Podcasts about Simplicity

How much of your business was designed by you, and how much of it came from watching what worked for somebody else? In this episode, I'm getting into the concept I've been circling all year, which is personalizing your business model before you buy another strategy.  Nearly every "proven system" on the market is somebody's personality and strengths turned into a process, and when you buy the process without checking whether the person behind it resembles you at all, you end up running your business on willpower. I'm walking through why two completely opposite launches both worked this year, where the income roller coaster comes from, and the three functions of your business that can be personalized to how you're wired. I'm also sharing the two questions I run every new strategy through before I spend money on it, including the four-hour webinar I sat through for a program I decided not to buy. If something in your business has felt off lately and you haven't been able to name what it is, this conversation will give you language for it and a way to decide what stays, what goes, and what you never should have bought in the first place. Timeline Highlights [01:19] – Coming back from the summer interview series and why I pulled myself off the content cycle for six weeks [03:20] – The concept I've been diving into all year, and the offer I built that made money without fitting me at all [05:32] – Two launches at opposite ends of the price spectrum, and what they prove about what's working right now [09:02] – Why the thing that's working isn't a specific model, and what it is [13:03] – The four-hour webinar I watched for a program I decided not to buy, and the discernment behind that call [19:01] – Every proven system is somebody's personality and strengths turned into a process [20:26] – Why the coach teaching daily video and the mentor who refuses sales calls are both teaching themselves [23:57] – Where the income roller coaster comes from, and why willpower is the mechanism [27:15] – The three core functions of your business that can all be personalized to you [38:22] – The two questions to run before you buy another strategy, course, or coaching program [45:49] – The free personalization panel on August 12 with Megan Yelaney, Heather Sager, and Linda Sidhu Top Quotes from the Episode "Every proven system you can buy is somebody's personality and strengths turned into a process. The real question is whether that process fits how you're built." "If you try to run a system that doesn't match you, it runs on willpower, and willpower always runs out before the revenue does." "Those income swings are a design problem, and no amount of discipline is going to fix a model that was built for somebody else." "Almost any business model you've ever heard of is working for somebody right now. What's left to figure out is which one is working for you." "The strategy has to fit your average day. Your best day is not the one you'll be living most of the time." "I had close to a 40K month in July while barely showing up online, because the business runs on assets that compound instead of a schedule that demands I perform." "Simplicity is what scales. Complexity is usually the thing draining your revenue while you're busy adding more to fix it." Links & Resources Take the "What's Your CEO Type?" Quiz Free personalization panel, August 12 at 12:30 PM ET, with Megan Yelaney, Heather Sager, and Linda Sidhu: https://go.lauraschoenfeld.com/personalization  If this episode resonated with you, follow the podcast, leave a review, and share it with someone who's ready to build a business that actually fits their life.

In this episode, Heather continues her coaching series by bringing you inside a real coaching session with Elevate member Ashley Smith of Ashley Anita Photography. You can explore Ashley's beautiful work at https://ashleyanitaphotography.com/. Ashley has a creative idea to attract more clients through a signature session, but she's feeling stuck before she even begins. Together, she and Heather simplify the challenge, uncover the thoughts creating hesitation, and shift the focus from selling to serving. If you've ever had a great idea but talked yourself out of sharing it, this episode will help you move from overthinking to confident action. Key Takeaways:    Complicated thoughts create inaction. Simplifying the problem makes it much easier to move forward. Treat your ideas like experiments. You don't need certainty—you just need a willingness to test and learn. Don't let your current audience determine your future results. Growth begins when you start sharing consistently, not when you reach a certain follower count. Service is more powerful than selling. When you genuinely believe your offer helps people, marketing feels natural. Belief changes your energy. Confidence in yourself, your client, and your offer makes your message more compelling. One clear offer is more effective than endless overthinking. Simplicity creates clarity for both you and your clients. Marketing doesn't have to feel pushy. Inviting people to something valuable is an act of service. Consistency builds momentum. Committing to share your offer repeatedly gives it a chance to succeed. Abundance creates better decisions. When you aren't relying on one strategy to save your business, you can market with confidence instead of desperation. Action creates evidence. You'll never know what works until you're willing to put your idea into the world. How many incredible ideas have you talked yourself out of before anyone else had the chance to see them? The biggest obstacle to your next client may not be your marketing; it may be your thinking. One simple mindset shift can turn hesitation into action and ideas into opportunities. Press play and discover why simplifying the problem is often the fastest path to results. How to Support the Podcast: Subscribe to the podcast on iTunes or wherever you listen to podcasts. Please like, share, and leave a review. If you like the content, please share with your friends by posting on social media so that we can reach and impact more people. Join our next free coaching workshop: www.getcoachedbyheather.com Connect: Heather Lahtinen: Website, Facebook, Instagram   

"Know your stuff, practice, and then just do it and be there."How do you explain complex ideas without losing your audience? The challenge isn't knowing more—it's helping others understand. For Marketplace host Kai Ryssdal, great communication comes from making difficult topics accessible while holding people's attention. In this episode of Think Fast, Talk Smart, Ryssdal joins Matt Abrahams to discuss how to simplify complex information without oversimplifying it, conduct interviews that feel like genuine conversations, and communicate with confidence under pressure. From asking better questions to earning your audience's trust, Ryssdal shares practical techniques for staying present when the stakes are high.Key Takeaways:Complex ideas become powerful when they're easy to understand. Great communicators don't just share information—they translate it into clear, engaging messages that help others learn without sacrificing nuance.Preparation gives you the freedom to be present. The more thoroughly you prepare, the easier it becomes to listen, adapt, and communicate with confidence when the conversation takes an unexpected turn.Activity:Rewrite for clarity. Take an email, presentation, or document you've already written and revise it for someone with no background in the topic. Remove jargon, simplify explanations, and make sure every sentence helps your audience understand your message.Episode Reference Links:Kai RyssdalEp.220 Prep Like a Pro: Communication Confidence, Clarity, and Comedy Connect:Premium Signup >>>> Think Fast Talk Smart PremiumEmail Questions & Feedback >>> hello@fastersmarter.ioEpisode Transcripts >>> Think Fast Talk Smart WebsiteNewsletter Signup + English Language Learning >>> FasterSmarter.ioThink Fast Talk Smart >>> LinkedIn, Instagram, YouTubeMatt Abrahams >>> LinkedIn Chapters:(00:00) - Introduction (00:59) - Making Complex Ideas Clear (02:24) - Find Your Communication Rhythm (03:30) - Keeping People Listening (04:38) - Better Introductions (05:50) - More Conversational Interviews (08:49) - Getting Conversations Back on Track (10:23) - Communicating Through Uncertainty (12:23) - Managing Speaking Anxiety (14:22) - Recovering from Mistakes (15:39) - Staying Curious (16:42) - When Your Mind Goes Blank (18:05) - The Final Three Questions (21:35) - Conclusion ********Thank you to our sponsors.  These partnerships support the ongoing production of the podcast, allowing us to bring it to you at no cost.With LinkedIn Hiring Pro, you can hire with confidence, knowing you're getting the best talent for your needs. Get started by posting your job for free at linkedin.com/fast

Episode Summary:In this message from the Fruit of the Spirit series, we look at patience through the words of Jesus in Matthew 11:28-30. Patience is not simply waiting on someone else; it is steadiness, endurance, and perseverance as we walk with Jesus. For anyone who feels tired, worn out, or burned out, Jesus offers a better rhythm: come to Him, rest with Him, learn from Him, and live freely and lightly. This episode invites us to recover spiritual patience by practicing solitude, Sabbath, simplicity, and a slower pace of life.Main Scripture:Matthew 11:28-30Mark 2:27Big Idea:Patience grows as we learn to live at Jesus' pace through solitude, Sabbath, simplicity, and slowing down.In This Episode:Patience is deeper than waiting; it is steadiness, endurance, and perseverance in the life God has given us.Jesus names a progression we often ignore: tired, worn out, and burned out.When we are tired, we need rest; when we are depleted, we need to be refilled.Solitude helps us hear God again when the noise of the world has become too loud.Sabbath teaches us that real rest is part of discipleship, not a distraction from it.Simplicity helps us trust what God has already placed in our hands instead of trying to carry what does not fit.Slowing down helps us stop missing what God is doing now because we are rushing toward what is next.Reflection Questions:Where have I reduced patience to simply waiting on others instead of learning steadiness with Jesus?Am I tired, worn out, or burned out? What signs have I been ignoring?What is one thing I may need to say “no” or “nope” to so I can live by what God has laid out for me?What noise is keeping me from hearing God clearly?When was the last time I simply sat with God and rested?Where am I trying to complete God's assignment with someone else's method?Where am I rushing so fast toward tomorrow that I am missing what God is doing today?Next Steps:Spend intentional time alone with God this week before letting the noise of the world speak first.Build real rest into your rhythm instead of waiting until you are depleted.Practice saying “no” to one thing that does not fit God's priorities for your life right now.Choose simplicity in one area of your schedule, ministry, or finances.Slow down enough to enjoy the ride and notice what God is doing now.Walk with Jesus in the unforced rhythms of grace, trusting that He will not place anything heavy or ill-fitting on you.Closing Line:Listen in, share this message with someone who needs rest, and subscribe to keep walking through the Fruit of the Spirit with us.

It's officially Sorted's Money Month - and we have a special guest in to celebrate! In this episode of Money Made Simple, Liv sits down with Kate Hannah from Te Ara Ahunga Ora Retirement Commission - the team behind Sorted.org.nz, to unpack what financial resilience really means, and why it's about much more than just having enough money.With cost-of-living pressures still biting, Kate explains why an emergency fund is the foundation for getting your finances sorted. She shares the research on how Kiwis are feeling, why young people are being hit hardest, and how small, achievable steps are the real key to building a buffer. They also talk through Sorted's brand new Buffer builder app, launching for August's Money Month - linked below!This episode covers:What financial resilience actually means, and how it's more than just having enough cashWhy an emergency fund is the foundation everything else is built onThe research on how Kiwis are really feeling about their finances right nowWhy young people are among the hardest hit, and how to start when money is already tightWhether the "$1,000 rule" is a good, genuine goal to start withThe power of small, achievable steps and building a "saver" identityHow Sorted's new Buffer builder app uses open banking to make saving almost automaticResources mentioned in this episode:- Sorted Buffer builder app – free emergency savings app to make saving automatic, available on Android and Apple- Sorted – free, independent tools, guides and calculators from the Retirement Commission: https://sorted.org.nz- Sorted Retirement Navigator – helps you plan how to draw down your savings in retirement: https://sorted.org.nz/tools/retirement-navigator/- Sorted Mortgage Calculator – includes a first-home-buyer mode for planning your first mortgage: https://sorted.org.nz/tools/mortgage-calculator/- Sorted Smart Investor – compare KiwiSaver and Managed Funds on fees, returns and more: https://smartinvestor.sorted.org.nz- Money Matters 2025: The Power of Emergency Savings (Retirement Commission research paper)You will come away from this episode armed with the small steps you can take to start building your financial safety net. Whether you are just starting out or topping up an existing buffer, there are free, independent tools to help you meet money where you are at.---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.

Gugs Mhlungu chats to Kumbi Mtshakazi, Resident motoring enthusiast, about Volkswagen's strategy to streamline its model range to remain competitive. They discuss what this means for consumers, how the rise of Chinese car brands is reshaping the market, and whether a simplified lineup can help VW maintain its competitive edge. Gugs Mhlungu gets you ready for the weekend each Saturday and Sunday morning on 702. She is your weekend wake-up companion, with all you need to know for your weekend. The topics Gugs covers range from lifestyle, family, health, and fitness to books, motoring, cooking, culture, and what is happening on the weekend in 702land. Thank you for listening to a podcast from 702 Weekend Breakfast with Gugs Mhlungu. Listen live on Primedia+ on Saturdays and Sundays from 06:00 and 10:00 (SA Time) to Weekend Breakfast with Gugs Mhlungu broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/u3Sf7Zy or find all the catch-up podcasts here https://buff.ly/BIXS7AL Subscribe to the 702 daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

JOIN PATREON FOR EARLY UNCENSORED EPISODE RELEASES: https://www.patreon.com/JulianDorey CLIPPERS DISCORD: https://discord.gg/8QmWEKJ3BT (***TIMESTAMPS in Description Below) ~ Zachary Foust is a real estate executive and viral economics expert on social media. ZACH's LINKS: IG: https://www.instagram.com/zachary.loft/?hl=en YT: https://www.youtube.com/@ZachFoustShow/videos WEBSITE: https://zachary-loft-shop.fourthwall.com/ FOLLOW JULIAN DOREY IG: https://www.instagram.com/julianddorey/ X: https://x.com/juliandorey JULIAN YT CHANNELS - SUBSCRIBE to Julian Dorey Clips YT: https://www.youtube.com/@juliandoreyclips - SUBSCRIBE to Julian Dorey Daily YT: https://www.youtube.com/@JulianDoreyDaily - SUBSCRIBE to Best of JDP: https://www.youtube.com/@bestofJDP ****TIMESTAMPS**** 0:00 - Joe Kent, Kiriakou, Zach's Army & Afghanistan Days 10:00 - Prison Kingpins, Afghan Ping Pong, Bin Laden 20:18 - Bin Laden Doubts, Tribalism & the Debt Society 29:46 - Inflation NEVER Stops, 2008, & Federal Reserve 39:52 - Reserve Requirements Hit 0%, Rothschilds, Friedman & Bernanke 57:20 - Telecom Bill 1995, Lutnick & JP Morgan's Bailout 1:09:22 - A French Warship K*LLED the Gold Standard, BlackRock 1:18:40 - Capitalism Changed in 2008, Jenga & Epstein 1:31:18 - Collective Apathy & Neutered Millennials 1:40:45 - Homesteading, Simplicity & Why Law Reform Comes First 1:50:31 - Zach's Check List: Antitrust & Single Issue Bills 1:55:26 - Skits, the Rothschilds, 1837 & August Belmont 2:04:20 - Epstein, Liquid Funding & Larry Fink's CDO 2:15:20 - Clinton's Testimony, Nat Rothschild & Erika Kirk 2:28:15 - Christianity HIJACKED, Masons & Love Thy Neighbor 2:38:22 - Thomas Massie's Primary, Cult of Personality & Money 2:52:02 - Critiquing Israel ≠ Antisemitism, Social Media Warfare 2:58:28 - Zach's Work CREDITS: - Host, Editor & Producer: Julian Dorey - COO, Producer & Editor: Alessi Allaman - https://www.youtube.com/@UCyLKzv5fKxGmVQg3cMJJzyQ - In-Studio Producer: Joey Deef Julian Dorey Podcast Episode 456 - Zach Foust Music by Artlist.io Learn more about your ad choices. Visit podcastchoices.com/adchoices

(Insight Meditation Society - Retreat Center)

Kevin Nuber started with an IMO / FMO called LifePro Financial Services in 2004 where he worked for 20 years and helped the company build, scale, and ultimately capitalize the business. As a stock holder, he was able to experience the problems a business faces and what it was like to ultimately capitalize. Now Kevin partners with financial advisors who want to stop being product sales people and instead want to become confident business owners and build a business bigger than just themselves.Learn More: https://www.kevinnuber.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-kevin-nuber-financial-advisor-development-consultant-with-simplicity

Discover the four energies of peace within the Sacred Heart — and how Simplicity, Stability, Surrender, and Stillness can bring lasting peace.This episode continues our series unpacking The Freedom Transmissions by Carissa Schumacher. This installment covers “The Chambers of the Sacred Heart” (pages 67–76), exploring the four energies that make up the Sacred Heart and how each one can transform your daily life.What if peace wasn't something you had to search for, but something you could embody every day? In The Freedom Transmissions, Yeshua teaches that the Sacred Heart is the gateway to your divine self — the place where peace, balance, and freedom begin. It's the bridge between the horizontal (our every day life) and the vertical (spirit, the divine).In this episode, we explore Simplicity, Stability, Surrender, and Stillness — the four energies of the Sacred Heart. These energies already live within you; your role is to illuminate and embody them.What You'll Hear in This Episode* What the Sacred Heart is — and why it's the foundation for spiritual peace* How Simplicity clears chaos and restores inner ease* Why Stability is essential for embodying the Divine* The deeper meaning of true Surrender (and how it's different from passivity)* How Stillness opens the doorway to Divine Grace* Practices to integrate these energies into your choices, relationships, and daily rhythmContinuing the SeriesThis episode follows Ep. 4 — The Three Veils and Seven Imbalances of the Mind, Part 2, which lays out the illusions we're working to lift. If you haven't listened yet, that's the natural starting point before this one.Something to Ponder“The Sacred Heart is the gateway to your divine self — the place where peace, balance, and freedom begin.”✨ Want to go deeper?If you're drawn to exploring this work in community, you're invited to join the waitlist of Foundations of The Freedom Transmissions Book Study — an 8-session guided experience designed for clarity, integration, and shared reflection..If you're ready for a new way of living — one rooted in peace, balance, and authenticity — this is where the journey begins.Resources & Links* Read The Freedom Transmissions by Carissa Schumacher* Listen to my earlier conversations with Carissa: Carissa Schumacher on Channeling Yeshua and Creating The Freedom Transmissions and How The Freedom Transmissions Guides Spiritual Awakening* Subscribe to my Substack Hold the Light with Laurie Gunning GrossmanIf this episode resonates, please follow the podcast, leave a review, and share it with a friend who's ready for their own spiritual shift.Stay Connected

SummaryMany people say they don't have time to lose weight or take care of their health. In this episode, Chase and Chris explain why it often isn't just about time. Sometimes it's about being mentally exhausted, overwhelmed, or expecting too much from yourself.They talk about the difference between having time and having the energy or capacity to use it well. They also explain why you don't need long workouts, perfect meal prep, or complicated plans to make progress. Small habits like walking, tracking your food, eating more protein, and planning ahead can make a big difference.The conversation also covers how to spot where your time is really going, why maintenance is still a huge win during busy seasons, and how building simple habits now makes future weight loss much easier. If you've been waiting for life to slow down before focusing on your health, this episode will challenge that mindset and help you take action today. Register for our Fat Loss Simplified Masterclass: CLICK HEREChapters(00:00) Why "I Don't Have Time" Is So Common(03:05) Time vs. Capacity: Understanding the Real Challenge(07:05) Why Partial Effort Still Counts(14:58) Fat Loss Takes Less Time Than You Think(20:48) Where Your Time Is Actually Going(26:17) Why Finishing Your Priorities Feels Better(28:00) Creating More Margin in Your Life(34:11) The Highest Return Habits for Fat Loss(37:46) Your Time Audit Challenge(39:52) Personalized Fat Loss and the Power of Simplicity(40:52) Fat Loss Simplified Masterclass InvitationSUBMIT YOUR QUESTIONS to be answered on the show: https://forms.gle/B6bpTBDYnDcbUkeD7How to Connect with Us:Chase's Instagram: https://www.instagram.com/changing_chase/Chris' Instagram: https://www.instagram.com/conquer_fitness2021/Facebook Group: https://www.facebook.com/groups/665770984678334/Interested in 1:1 Coaching: https://conquerfitnessandnutrition.com/1on1-coachingJoin The Fit Fam Collective: https://conquerfitnessandnutrition.com/fit-fam-collective

Kevin Nuber started with an IMO / FMO called LifePro Financial Services in 2004 where he worked for 20 years and helped the company build, scale, and ultimately capitalize the business. As a stock holder, he was able to experience the problems a business faces and what it was like to ultimately capitalize. Now Kevin partners with financial advisors who want to stop being product sales people and instead want to become confident business owners and build a business bigger than just themselves.Learn More: https://www.kevinnuber.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-kevin-nuber-financial-advisor-development-consultant-with-simplicity

(Insight Meditation Society - Retreat Center)

(Insight Meditation Society - Retreat Center)

Seemingly in balance to our episode with Kwame Christian on big swings, we need to talk about small starts!  Making decisions about size, scope, and scale of our cafes can set us up for success or it can set us up for disappointment. I see this play out time and time again where people over commit to something and bite of more than they can chew. This leads to al sorts of downstream issues. Today on Shift Break we will be talking about the mentality of starting small in all aspects of your business and why it makes all the difference for the sustainability of what you create.   REGISTER NOW FOR THE SUMMER WEBINAR SERIES!  Build a Stronger Coffee Shop: One Step at a Time Great coffee shops don't happen by accident. They are built by hiring the right people, training them well, and leading them with clarity and consistency. In this live three-part Summer Webinar Series, Chris Deferio shares the practical systems and coaching insights that have helped coffee businesses build stronger teams, healthier cultures, and more resilient operations. Each webinar includes: Live instruction and Q&A PDF workbook One hour of virtual consulting for each live attendee Lifetime access to the recording Register for the individual sessions that fit your current needs, or scroll down to save 20% when you bundle the last two in our series.  REGISTER NOW FOR THE SUMMER WEBINAR SERIES!    Sign up for 1:1 CONSULTING AND COACHING If you are a cafe owner and want to work one on one with me to bring your shop to its next level and help bring you joy and freedom in the process then email chris@keystothshop.com OR... book a free call now to talk about working together https://calendly.com/chrisdeferio/30min    Related episodes: 443: Keep Your Communication Simple! w/ Author Ben Guttmann Keep Systems Simple! SHIFT BREAK! The Best Strategy is Simplicity

What is new in the personal life of Pat Flynn? What is his doctoral dissertation about? How does he respond to some critiques of divine simplicity from Dr. William Lane Craig? Has he thought about the ethics of performing rock music? Dr. Pat Flynn joins us for an office hours chat about these topics and more. Like what you're hearing? Support the show -> https://www.classicaltheism.com/support

Are you tired of dealing with bloating, heartburn, gas, acid reflux, and other digestive issues? In this video, Prof. Spira breaks down one of the most important principles in Arnold Ehret's Mucusless Diet Healing System: proper food combining. Most people eat as if the stomach is a garbage disposal, throwing together meat, bread, fruit, dairy, desserts, drinks, and random foods all in the same meal, then wondering why digestion feels heavy, acidic, and chaotic. This video explains why cleaning up your diet is not only about what you eat, but how you combine foods, when you eat them, and how much space you give your body between meals. Prof. Spira shows why fruit should be eaten by itself, why combination salads matter, why drinking with meals can interfere with digestion, and why dietary organization is a major part of the Transition Diet. If you've ever felt like your stomach is overloaded after meals, this video will help you understand why simplicity, timing, and proper food combinations can make such a major difference. Inside this video, we cover: * Why your stomach is not a garbage disposal * How bad food combinations can contribute to bloating, gas, and heartburn * Why fruit should be eaten by itself * How to structure a two-course transition meal * Why combination salad is a foundation in the Transition Diet * Why meal timing and spacing matter * Why drinking with meals can disrupt digestion * How the no breakfast plan fits into Ehret's system * How dietary organization supports long-term transition Stop throwing everything into your stomach and expecting clean digestion. Nature works through simplicity, order, and proper timing. Book a clarity call for Transition Diet Bootcamp: https://live.mucusfreelife.com/bootcamp-apply Join the Mucus-Free Life Membership: https://go.mucusfreelife.com/join-ytc Join the newsletter: https://bit.ly/mfl-fb-join Disclaimer: This content is for educational purposes only and is based on Prof. Spira's study and practice of Arnold Ehret's Mucusless Diet Healing System. It is not medical advice. Always consult a qualified professional before making changes related to your health.

Over the past few years, it seems our mates across the ditch have been attracting more and more Kiwis. Last year alone, over 70,000 New Zealand citizens left the country - the highest annual total on record. For a lot of people, it seems like a no-brainer: higher wages, better job prospects and a better standard of living. But does that still hold up? Is Australia still the obvious choice for Kiwis looking for a better deal? Chief Economist at Simplicity, Shamubeel Eaqub has been crunching the numbers and joins the show.

On today's episode of the Illumination by Modern Campus podcast, podcast host Shauna Cox was joined by Darren Cooke to discuss how universities can build collaborative innovation ecosystems and translate research into meaningful real-world impact.

We dive into Chapter 9 of Roland Allen's "Spontaneous Expansion of the Church," https://oneworldmissions.com/media/PDF/Books/TheSpontaneousExpansionOfTheChurch.pdfA huge thanks to Seth White for the awesome music!Thanks to Palmtoptiger17 for the beautiful logo: https://www.instagram.com/palmtoptiger17/Facebook Page: https://www.facebook.com/thewayfourth/?modal=admin_todo_tourYouTube: https://www.youtube.com/channel/UCTd3KlRte86eG9U40ncZ4XA?view_as=subscriberInstagram: https://www.instagram.com/theway4th/ Kingdom Outpost: https://kingdomoutpost.org/My Reading List Goodreads: https://www.goodreads.com/author/show/21940220.J_G_ElliotPurity of Heart is to Will One Thing: https://www.religion-online.org/book/purity-of-heart-is-to-will-one-thing/ Thanks to our monthly supporters J Phillip Mast Laverne Miller Jesse Killion ★ Support this podcast on Patreon ★

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3645: Bob Lotich explores practical ways to reduce financial complexity by streamlining accounts, eliminating unnecessary debt and expenses, simplifying investing, and focusing on the habits that matter most. His advice shows how fewer financial obligations and distractions can lead to greater control, less stress, and more freedom in everyday life. Read along with the original article(s) here: https://www.becomingminimalist.com/simplify-finances/ Quotes to ponder: "Debt doesn't just cost you money, it also makes life more complicated." "Confusion is never a sound position from which to simplify your financial life." "Implementing just a few of these changes can go a long way toward simplifying your financial life." Episode references: SeedTime: https://seedtime.com/ Chase Sapphire Preferred: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred Learn more about your ad choices. Visit megaphone.fm/adchoices

Sometimes when we try and fix a customer problem, we bump into the discovery that we are making things confusing, and complicated for customers. How cool would it be if a team of employees were to go out and look at every aspect of the business, and uncover other opportunities to exchange complication with simplification? This could be a fun summertime project. Simplicity is admired by most customers.Support the show

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3645: Bob Lotich explores practical ways to reduce financial complexity by streamlining accounts, eliminating unnecessary debt and expenses, simplifying investing, and focusing on the habits that matter most. His advice shows how fewer financial obligations and distractions can lead to greater control, less stress, and more freedom in everyday life. Read along with the original article(s) here: https://www.becomingminimalist.com/simplify-finances/ Quotes to ponder: "Debt doesn't just cost you money, it also makes life more complicated." "Confusion is never a sound position from which to simplify your financial life." "Implementing just a few of these changes can go a long way toward simplifying your financial life." Episode references: SeedTime: https://seedtime.com/ Chase Sapphire Preferred: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3645: Bob Lotich explores practical ways to reduce financial complexity by streamlining accounts, eliminating unnecessary debt and expenses, simplifying investing, and focusing on the habits that matter most. His advice shows how fewer financial obligations and distractions can lead to greater control, less stress, and more freedom in everyday life. Read along with the original article(s) here: https://www.becomingminimalist.com/simplify-finances/ Quotes to ponder: "Debt doesn't just cost you money, it also makes life more complicated." "Confusion is never a sound position from which to simplify your financial life." "Implementing just a few of these changes can go a long way toward simplifying your financial life." Episode references: SeedTime: https://seedtime.com/ Chase Sapphire Preferred: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred Learn more about your ad choices. Visit megaphone.fm/adchoices

A straight life policy is simply the base of a whole life insurance contract: a level premium that never changes, a guaranteed death benefit, and guaranteed cash value. If you've been researching Infinite Banking, it's the same permanent insurance you've already been learning about, just under an older name. People run into "straight life" or "ordinary life" partway through their research and wonder if it's something different, something worse, or a red flag. It isn't. There's a second layer of confusion too: a straight life annuity is a completely different product, and we'll clear that up here as well. https://youtu.be/_2HpkNg68LY Below: what the term means, the three guarantees behind it, how it compares to limited pay, term, and universal life, and why its simplicity is a strength. Straight Life Is Just Whole Life: Here's Why the Name ExistsDo You Really Have to Pay the Premium Forever?The Three Guarantees of a Straight Life PolicyWhy the Premium Can Stay LevelStraight Life vs. Limited Pay: How Long Should You Pay?The Basic Trade-OffFinding the Balance PointTwo Cautions Worth KnowingHow Straight Life Compares to Term and Universal LifeStraight Life vs. TermStraight Life vs. Universal LifeStraight Life Insurance vs. a Straight Life Annuity (They're Not the Same)How the Payout WorksWhy the Simplicity of Straight Life Is a Feature, Not a FlawWhat "Straight" Really MeansThe Real Trade-OffIs a Straight Life Policy Right for You?Frequently Asked QuestionsWhat is a straight life policy?What type of premium does a straight life policy have?Is straight life insurance the same as whole life insurance?What is the difference between a straight life policy and a straight life annuity?Does a straight life annuity have a death benefit?What is the difference between straight life and limited pay?Why is straight life better than universal life for Infinite Banking?What are the three guarantees of a straight life policy? Key Takeaways A straight life policy (also called ordinary life) is the guaranteed base of a whole life insurance contract, not a separate or inferior product. It carries three guarantees: guaranteed death benefit, guaranteed cash value, and a guaranteed level premium. The base premium must be paid, but there's real flexibility in how, including dividends, cash value, and policy loans. The trade-off is slower early cash value in exchange for more guaranteed death benefit and often larger dividends over time. A straight life annuity is an entirely different product: an income stream for life with no death benefit. Straight Life Is Just Whole Life: Here's Why the Name Exists Straight life and ordinary life are older names for the same thing: the guaranteed base component of a whole life contract. Over decades of doing this work, we've seen "ordinary life" used far more often than "straight life." So why does the name carry a whiff of something negative? Because it predates the modern emphasis on cash value accumulation. When people used to think about whole life, they thought about this: straight, level payments for the rest of your life, a death benefit at the end. Nobody was talking about cash value or accessing capital along the way. Against today's marketing, that sounds bare-bones. But the product does exactly what it was designed to do. It provides a permanent death benefit for your entire life at a guaranteed premium rate. Yes, cash value accumulates within the design, and yes, you can access it. That's just not why it was built. If you've been learning about Infinite Banking, you've probably heard that policies are typically structured with a base premium plus paid-up additions (PUAs). Paid-up additions are extra payments that push more of your dollars toward cash value and less toward death benefit. A straight life policy is that same base contract without the PUA rider. Not a scam. Not a lesser product. It's the foundation. Nelson Nash himself, the founder of Infinite Banking, owned all base policies of the kind that used to be called ordinary life, and he used them his entire life. Do You Really Have to Pay the Premium Forever? This is the fear critics lean on. They'll say a straight life policy locks you into paying premiums for life with zero flexibility. And there's a kernel of truth in it: the base premium does contractually need to be paid, one way or another. The nuance is in that phrase "one way or another." There's real flexibility in how the base gets paid, because you can pay it internally, from the values already inside the contract: Use a dividend to pay or offset some of the base premium Use the cash value directly Borrow against your cash value with a policy loan Surrender previously purchased paid-up additions to cover it There's also an automatic loan provision you can elect when setting up the policy. If a premium isn't otherwise paid, a policy loan covers it automatically. And as a final option, one we don't recommend but which sits right there in the contract, you can elect what's called reduced paid-up. That lowers the death benefit to a point where the policy is fully paid up, and no further premiums are due. So no, you're not trapped. As we like to say around here, you don't have to pay the premium. You get to pay it. And even in a season where you can't, you have options, and several of them are very good ones. The Three Guarantees of a Straight Life Policy Think about what you're doing when you use whole life insurance for Infinite Banking. You're replacing a banking function you'd otherwise get from a bank, and banks guarantee your deposits, even if those guarantees rest on thinner ice than most people realize. If you're going to replace something that has guarantees, you want guarantees. Straight or ordinary whole life is the only permanent life insurance product that guarantees all three of the following. Not indexed universal life, not variable universal life, not universal life. Only whole life. 1. Guaranteed death benefit. The insurance company will pay the stated death benefit as long as the contract stays in force. Nevertheless, it can actually increase if your dividends purchase paid-up additions that increase the insurance in the contract, but it will never fall below what's illustrated. 2. Guaranteed cash value. Your policy has a cash value floor based on guaranteed interest, and that floor never drops, even if no dividends are ever paid. If your guaranteed cash value reaches $300,000, it will never be less than $300,000. One clarification: your accessible cash value can be reduced by an outstanding policy loan, since the loan is a lien against the policy. But the actual guaranteed cash value doesn't fall. 3. Guaranteed premium. The required premium will never be raised or lowered to keep the contract in force. Level, predictable, straight. Why the Premium Can Stay Level How can the premium stay level when the real cost of insuring you rises as you age? Because the insurance company averages the cost of insurance across your entire lifetime. It's lower than your true cost early on and higher than your true cost later, held flat the whole way through. Universal life works differently: the cost of insurance climbs every year as you age. One honest nuance, because full transparency matters here. Whole life contracts do contain a provision allowing the insurer to raise mortality costs in a catastrophic scenario, think a world war or devastating pandemic, up to a stated maximum. It exists so the company can keep its promises rather than go out of business. We've never seen a company invoke it.  Even through COVID, the CSO mortality tables didn't rise. And if it were ever triggered, universal life costs would rise far more. In practice, your premium does not increase year over year. Straight Life vs. Limited Pay: How Long Should You Pay? Both of these are whole life. The difference is the payment window. The Basic Trade-Off Straight life spreads your premiums across the full contract period. Modern contracts mature at age 120 or 121 (they used to run to 100 or 105). So a 60-year-old buying straight life is spreading the total cost over 60 years, which makes each year's premium relatively small. Limited pay compresses that same total cost into a shorter window: 10, 20, 30, or 40 years. Condense the payments, and each year's premium is larger. But the insurance company gets your money sooner and can compound it sooner, which means faster access to cash value for you. Compressing the schedule can even mean paying slightly less in total for the same death benefit. So the trade-off runs like this. Longer pay: smaller annual premium, slower early cash value. Shorter pay: bigger annual premium, faster capitalization. Finding the Balance Point Where's the balance? We tend to use policies in the 30 to 40 year pay range, because that window balances premium size against early cash value reasonably well. We're careful to frame this as a balance point, not a benchmark. A 25-year-old and a 60-year-old repositioning capital have completely different capacities to fund a policy, which is exactly why you need a strategist and not just information. Two Cautions Worth Knowing One caution on very short pay periods. Say you complete a limited-pay policy funded over just 10 years and love it so much you want more insurance in year 11. That contract is closed. You can't add to it. And if health problems have shown up by then, you may not qualify for a new one. A longer pay period, with the option to elect reduced paid-up later, preserves your flexibility. A brief note on MECs, since they come into this decision. A Modified Endowment Contract (MEC) is a policy that's been funded too quickly relative to its death benefit, which strips away life insurance's tax advantages. A pure base straight life policy doesn't run into MEC conc

We dive into Chapter 8 of Roland Allen's "Spontaneous Expansion of the Church," https://oneworldmissions.com/media/PDF/Books/TheSpontaneousExpansionOfTheChurch.pdfA huge thanks to Seth White for the awesome music!Thanks to Palmtoptiger17 for the beautiful logo: https://www.instagram.com/palmtoptiger17/Facebook Page: https://www.facebook.com/thewayfourth/?modal=admin_todo_tourYouTube: https://www.youtube.com/channel/UCTd3KlRte86eG9U40ncZ4XA?view_as=subscriberInstagram: https://www.instagram.com/theway4th/ Kingdom Outpost: https://kingdomoutpost.org/My Reading List Goodreads: https://www.goodreads.com/author/show/21940220.J_G_ElliotPurity of Heart is to Will One Thing: https://www.religion-online.org/book/purity-of-heart-is-to-will-one-thing/ Thanks to our monthly supporters J Phillip Mast Laverne Miller Jesse Killion ★ Support this podcast on Patreon ★

Scripture: Matthew 6:28-34; Series: Unforced Rhythms; Speaker: Monte French, Senior Minister

This week, Andrew and Jay dive into one of the most overlooked competitive advantages in business: simplicity.Inspired by Stuart Brand's The Maintenance of Everything, they explore why every system naturally drifts toward chaos, and why leaders should must eliminate it.Along the way they discuss why simple systems outperform complicated ones over the long run, the surprising leadership lessons hidden in Waffle House's infamous order system, how unnecessary complexity creates maintenance nightmares, hiring for curiosity instead of just qualifications, why great communication always requires a closed loop, and the difference between patient hiring and slow hiring.Here's the insane Waffle House video they discuss.

In Acts 2 we see a picture of a Church that most of us long to be like. In this message we examine some of the qualities of that church and are challenged to become like it.

Hello, Beautiful...I'm so grateful you're here with me. Maybe life becomes easier when we stop trying to make it so complicated. This calming guided meditation helps you embrace simplicity, reduce stress, and move through your day with more flow and ease. Allow yourself to settle into a gentler rhythm. Love,

Maui, USA Event - March 7, 2000. A teaching on the simplicity of real presence, exposing the many ways that longing, hope and desire can come between you and what you love the most. Dialogues with John de Ruiter bring you into your heart, and into the depths of your being, where the meaning of life opens up in awareness.    For more information about John de Ruiter go to www.johnderuiter.com

This week I talk about rediscovering the humble yellow legal pad after years (and hundreds of dollars) sunk into fancy notebooks and fountain pens. Then a piece by Kashmir Hill about discovering an AI-generated biography of herself for sale on Amazon that she never authorized or was contacted about, and a recommendation for the summer drinks series on Cocktails with Suderman.Plus this week's Automation of the Week: using Claude's Canva connector inside my Friday Wrap-Up skill to auto-generate the dated episode artwork while the video renders.Links:Ampad Gold Fiber Legal PadsI Got Slopped (The New York Times)Want to Feel Rich? Drink a Pineapple Cocktail (Cocktails with Suderman)Leave feedback at https://streamlinedfeedback.comIf you enjoyed this, consider joining my newsletter at https://streamlined.fm/wrap. You'll get an additional Automation of the Week, as well as regular emails on how to approach building systems that help you take time off, worry-free.View the episode transcript (00:00) - On My Mind: The Simplicity of Yellow Legal Pads (03:36) - Recommended Reading: AI and the Illusion of Shortcuts (06:55) - Something Fun: Crafting a Pineapple Cocktail (08:27) - Automation of the Week: Generating Episode Artwork ————Streamlined Solopreneur helps overwhelmed coaches, consultants, and service providers build systems so their business doesn't depend on them. Each week, Joe Casabona shares one practical idea — a system, tool, or strategy, with AI doing the tasks, not the thinking — to help you beat overwhelm, get your time back, and run your business without sacrificing the rest of your life, or your health.Looking for a place to start? Download the Solopreneur Systems Starter Kit: the 4 systems every solopreneur should have, the simplest way to set them up, plus the exact tools, automations, and AI prompts you need. No guessing. Get it free at https://streamlined.fm/kit.Connect with Joe on LinkedIn: https://www.linkedin.com/in/jcasabona/

What if your coworking website could become one of your biggest revenue drivers? That's exactly what Eyal Lasker, Founder and CEO of Flexspace AI, is helping operators do. While many operators focus almost entirely on filling offices, Eyal believes one of the biggest opportunities for growth is optimizing everything else: meeting rooms, day passes, event space, virtual mail, and other on-demand products. In this episode, we explore why treating your website like an e-commerce platform—not just an online brochure—can dramatically increase both revenue and profitability. We talk about: Why meeting rooms are one of the most underutilized assets in coworking How online booking removes friction and creates new revenue opportunities Why great photography has a direct impact on conversion rates The surprising booking patterns operators are missing, including how many reservations happen the same day How dynamic pricing can increase revenue by balancing price and booking volume Why repeat on-demand customers become some of the highest-value users over time The role AI is playing in revenue optimization and pricing decisions Why operators should think about their websites as e-commerce engines instead of digital brochures One insight that really stood out: "Simplicity is hard to build, but it's what drives conversion." The easier you make it for someone to discover, book, and pay online, the more opportunities you create to monetize the space you already have. Resources Mentioned in this Podcast: Eyal Lasker on LinkedIn Flexpace AI website Everything Coworking Featured Resources: Masterclass: 3 Behind-the-Scenes Secrets to Opening a Coworking Space Coworking Startup School Community Manager University Follow Us on YouTube    

Send us Fan MailIn this episode, Matt and his wife, Lisa, share insights on marriage, gender dynamics, personal growth, and the importance of understanding each other's perspectives. They explore how vulnerability, communication, and support strengthen relationships and foster mutual respect.marriage, gender dynamics, communication, personal growth, relationships, therapy, understanding, support, vulnerabilityKey  TopicsThe importance of giving the benefit of the doubt in relationshipsUnderstanding male and female perspectives and socializationThe impact of support, fun, and shared interests in marriageThe role of vulnerability, communication, and empathyBalancing individual identity with partnershipSound Bites"Man space is being infiltrated. Welcome back.""There's just an audience in your head.""Sometimes I feel like I've abandoned my gender."Chapters00:00 Introduction and Trip to New Orleans01:08 Reflections on New Orleans and Jazz02:02 Is New Orleans Worth Visiting?03:23 Alligators and Riverboat Tour Experience04:46 Understanding Each Other's Inner Worlds06:28 The Audience in Your Head During Recording08:11 Personal Benefits of Listening to the Podcast09:23 Insights from Relationship Assessments10:40 Loneliness and Support in Marriage12:22 Relating to Men and Women's Experiences14:02 Understanding Male and Female Socialization15:02 The Value of Curiosity and Empathy16:23 Marriage as a Partnership of Identity and Support18:01 The Challenges of Being a Therapist Partner20:32 Balancing Work, Identity, and Support21:57 The Impact of Socialization and Comparison24:06 The Power of Perspective and Assumptions26:03 The Importance of Support and Validation27:59 Understanding and Diffusing Conflict30:03 Decision-Making and Inclusivity in Relationships31:51 The Simplicity of Women's Needs34:05 The Impact of Socialization on Women's Self-Perception36:03 The Role of Trust and Mutual Respect37:56 Eliminating Competition and Comparison39:50 Supporting Each Other's Individuality41:46 The Balance of Worry and Confidence44:03 Marriage Advice and Building Fun45:52 The Power of Giving the Benefit of the Doubt48:08 The Importance of Seeing Each Other's Best and Worst49:58 Supporting Each Other's Identity and Joy52:02 The Value of Shared Experiences and Fun53:51 Closing Remarks and Next EpisodeSpread the word! The Manspace is Rad!!

What happens when you finally achieve the success you worked so hard for, but still feel exhausted, disconnected and unsure of what comes next? In this episode, Ambrosia Carey sits down with hairstylist, life coach and retreat host Misty Jayne to unpack the hidden emotional cost of success in the beauty industry. Misty shares how paying off $48,000 of debt transformed her relationship with money, gave her the confidence to become an independent hairstylist and eventually led her to help other beauty professionals move beyond burnout, hustle and the pressure to constantly achieve. Together, they explore financial literacy for hairstylists, fear of success, decision fatigue, overconsumption and why creating more space, not adding another goal, may be the key to building a life that genuinely feels like your own. Take 50% of a GlossGenius Premium Plan for 2 months with code SUCCESSFUL Find more about Misty's Retreat HERE Join our Free 10 Day Business Challenge Key Takeaways: 1. Earning more money doesn't automatically create financial stability. 2. Financial literacy and a clear plan can give hairstylists the confidence to make major career decisions without operating from survival mode. 3. Becoming an independent hairstylist isn't automatically the path to more money, freedom or fewer working hours. 4. The instant gratification hairstylists receive behind the chair can make long-term goals and delayed rewards feel especially difficult. 5. Familiar stress can feel safer than unfamiliar peace, and how that keeps us trapped in patterns we say we want to escape. 6. Fear of success, judgment and outgrowing the expectations of others can quietly sabotage personal and professional growth. 7. So many successful hairstylists reach burnout after building the career, salon or business they thought would make them happy. 8. Decision fatigue, overconsumption and constant exposure to other people's advice can disconnect you from your own voice. 9. Simplicity often becomes the goal after success, and how to separate what you genuinely want from what you believe you "should" pursue. 10. Creating white space, changing your routine and stepping away from constant productivity can restore clarity, creativity and connection. 11. Discomfort is part of meaningful change, and small, intentional choices can help you build a life that feels more peaceful and sustainable. 12. Misty's Costa Rica retreat is helping experienced beauty professionals disconnect from outside expectations and reconnect with themselves. Enjoy 15% off our favorite skincare line, Pharmagel with code SSA15 If you prefer video, find us on YouTube! Find us on Instagram & Tiktok :)

By all accounts, the Naroditsky Memorial was a touching tribute to the legendary streamer, educator and grandmaster Daniel Naroditsky. This week I welcome three guests to share their stories from the memorable event in Charlotte. Popular Chessable author and coach FM Dalton Perrine reflects on the lessons and memorable experiences of the tournament. Dalton also shares chess improvement insights from his excellent Chess Chatter newsletter and discusses Chessalyz, the AI-powered chess improvement platform he co-founded. Following Dalton, GM Eugene Perelshteyn and NM Mike Mahoney return to the podcast for an update on the "Chess Rocky" story. They discuss Mike's results after months of training for the event, along with unforgettable stories from the tournament, including their encounter with legendary GM Vasyl Ivanchuk. As always, I enjoyed hearing the stories and lessons from Dalton, Eugene and Mike, and I think listeners will find plenty to learn from their experiences. 00:04 Introduction and Background 01:01 The Narodzki Memorial Tournament Experience 04:01 Learning from Danya's Speedruns Mentioned: Chessbase India- Naroditsky Memorial Coverage https://www.youtube.com/playlist?list=PLL2unSfeOdoM Chessbase India Interview with Danya's Mother: Daniel Naroditsky's mother shares heartfelt message to the chess community 06:53 Atmosphere and Community at the Tournament 10:04 Performance and Reflections on Games 13:01 Simplicity in Chess Improvement 16:02 Chessalyze: The AI-Assisted Coaching Platform 22:12 Future of Chessalyze and User Feedback 27:57 Advice for Ambitious Club Players Mentioned: Survive and Thrive: How to Blunder Less and Defend Better https://www.chessable.com/survive-thrive-how-to-blunder-less-and-defend-better/course/80629/ 34:00- Upcoming Tournaments and Projects Thanks to Dalton for joining! Here is how to keep up with him: Chess Chatter Blog Chessalyz.ai DaltonPerrine.com 38:00 GM Eugene Perelshteyn and NM Mike Mahoney join me Mentioned: Ivanchuk is here, GM Steven Zierk Sindarov-Woodward 2026 https://www.chess.com/events/2026-naroditsky-memorial-masters-rapid/03/Sindarov_Javokhir-Woodward_Andy IM Sagar Shah-Mahoney 2026- https://lichess.org/study/IgNM0rNc/ZiaxROGi 48:32 The Pressure of Competition: In-Person Challenges 54:37 Reflections and Future Aspirations 55:00- Thanks to Eugene and Mike for joining! You can keep up with Eugene via his Substack, https://eugeneperel.substack.com/ If you would like to help support Perpetual Chess via Patreon, you can do so here: https://www.patreon.com/c/perpetualchess Learn more about your ad choices. Visit podcastchoices.com/adchoices

One of the striking features of the desert tradition is the extraordinary seriousness with which the Fathers speak about the conscience. Modern readers can easily mistake conscience for little more than an inner feeling, a private moral opinion, or an emotional sense of guilt. The Fathers know nothing of this reduction. For them, the conscience is something infinitely more profound. It is the hidden sanctuary where God quietly addresses the human heart. It is the place where divine love first encounters human freedom. This explains why they are far less interested in outward accomplishment than in the movements of the heart. God does not merely examine what we do. He examines why we do it. The Evergetinos reminds us that fasting, vigils, prayer, psalmody, almsgiving, and hospitality are all good by their very nature. Yet these same holy works can become empty when they spring from vanity, fear, ambition, or the longing to be admired. The act itself may appear beautiful before men while the heart quietly seeks itself rather than God. The Fathers understand something that remains deeply relevant in every age: the human heart possesses an astonishing ability to hide its motives even from itself. For this reason the spiritual life demands something more than discipline. It demands truthfulness. St. Isaac the Syrian brings the matter to its deepest point when he writes that virtue is not primarily found in many bodily labors but in “a heart rendered most wise by its hope in God.” Everything begins here. The body may perform countless good works, but unless the heart is slowly purified, those works cannot bear their full fruit. This is not because God is difficult to please. It is because God desires not our performance but our communion. Throughout these passages one senses that the conscience is not presented as an accuser waiting to condemn us but as a faithful companion seeking to preserve our freedom. St. Isaiah calls it our guardian. St. Mark tells us that whoever wishes to heal the soul must first learn to obey it. Abba Agathon goes so far as to say that the monk should never allow his conscience to accuse him in anything. Such words can easily be misunderstood. The Fathers are not asking us to become scrupulous or anxious. Nor are they inviting us into endless self-analysis. Rather, they are describing the gradual restoration of an inner harmony in which thought, desire, intention, and action become one. This harmony is one of the great signs of healing. The image preserved in the Gerontikon is especially beautiful. The conscience is compared to a spring. If one continually digs deeper, the water becomes clearer. If one fills it with earth, the spring is slowly destroyed. How often this happens almost unnoticed. The first compromise rarely appears serious. One ignores a small prompting toward kindness. One excuses an act of impatience. One refuses an invitation to forgiveness. One silences an uncomfortable truth because it interferes with a cherished attachment. None of these seems decisive. Yet every refusal places another handful of earth into the spring. Eventually the water grows cloudy. Not because God has withdrawn. But because we have gradually lost the ability to hear Him. The opposite is equally true. Every small act of obedience clears the water a little more. Every hidden act of honesty enlarges the heart. Every quiet surrender to truth makes the conscience more luminous and more peaceful. Here we begin to see why the Fathers connect conscience so closely with spiritual knowledge. Knowledge of God is not merely the accumulation of theological ideas. It is born from a heart that has become transparent enough to recognize His presence. This is where desire and conscience meet. Much of our suffering arises because our desires have become divided. We seek God while simultaneously clinging to lesser loves that promise security, recognition, or control. The conscience gently exposes this division. It does not shame us for having desires. Rather, it patiently teaches us which desires lead toward life and which quietly imprison us. The conscience is therefore one of God's greatest gifts to the wounded heart. It protects wonder. For wonder can only flourish where there is truth. A heart that continually ignores its deepest convictions gradually becomes cynical. It begins to distrust goodness because it has learned to distrust itself. But when a person begins again to live honestly before God—even imperfectly—a different kind of vision slowly emerges. Gratitude becomes possible. Simplicity returns. One discovers that obedience does not diminish freedom but restores it. The Fathers never separate conscience from hope. Even when it reproves us, its purpose is always restoration. Its voice is not that of an executioner but of a physician. It wounds only in order to heal. Perhaps this is why the saints possessed such extraordinary peace. They did not become holy because they never struggled. They became holy because they refused to make peace with falsehood. They listened to the quiet voice within before it became drowned out by louder voices. Little by little the conscience became not merely a judge of their actions but a window through which they learned to behold the face of Christ Himself. In an age filled with noise, distraction, and endless external judgments, the Fathers quietly invite us back to this hidden sanctuary. There, beneath all our fears and ambitions, God still speaks. And every time we answer that gentle voice with sincerity, the spring becomes clear again. --- Text of chat during the group: 00:01:19 Fr. Charbel Abernethy: Page 49 paragraph 9 00:01:58 Fr. Charbel Abernethy: https://www.philokaliaministries.org/post/philokalia-ministries-summer-retreat 00:02:37 Fr. Charbel Abernethy: https://www.philokaliaministries.org/post/a-new-book-from-city-a-desert-press 00:07:50 Bob Čihák, AZ: P 49, # 9 00:13:18 Fr. Charbel Abernethy: Page 49 paragraph 9 00:16:01 Nancy Pagan: Hello  everyone. New here 00:16:25 Jacqulyn Dudasko: Reacted to "Hello  everyone. New here" with

In this episode, Maria Fontana shares why simplicity is one of the most powerful business and life strategies available. If you're constantly overthinking, second-guessing yourself, or searching for the next answer, this conversation is for you. Learn how to reconnect with your intuition, quiet the noise, make better decisions, and build a business and life that actually feels aligned. Whether you're a founder, entrepreneur, CEO, or ambitious leader, you'll discover why clarity doesn't come from doing more—it comes from trusting yourself. Helping founders find clarity when success creates complexity. ⬇️ Free weekly insights for foundershttps://open.substack.com/pub/...If you are a founder or business owner who has built something significant and you are exhausted, overwhelmed, and privately carrying something that nobody in your current world is positioned to address honestly — I want to hear from you. Not to sell you something.To have a real conversation about whether what I do is exactly what you need right now.The Unfiltered Room Private Audio Feed is where this conversation continues.Apply at mariafontana.comOr email me directly. maria@mariafontana.com I read and respond to everything personally because that is the only way I know how to do this work.MF

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

Caleb opens sharing a slideshow of his trip to Malawi and gives an impassioned plea to the Sr High out of Psalm 32. You do not want to miss this!

We dive into Chapter 7 of Roland Allen's "Spontaneous Expansion of the Church," https://oneworldmissions.com/media/PDF/Books/TheSpontaneousExpansionOfTheChurch.pdfA huge thanks to Seth White for the awesome music!Thanks to Palmtoptiger17 for the beautiful logo: https://www.instagram.com/palmtoptiger17/Facebook Page: https://www.facebook.com/thewayfourth/?modal=admin_todo_tourYouTube: https://www.youtube.com/channel/UCTd3KlRte86eG9U40ncZ4XA?view_as=subscriberInstagram: https://www.instagram.com/theway4th/ Kingdom Outpost: https://kingdomoutpost.org/My Reading List Goodreads: https://www.goodreads.com/author/show/21940220.J_G_ElliotPurity of Heart is to Will One Thing: https://www.religion-online.org/book/purity-of-heart-is-to-will-one-thing/ Thanks to our monthly supporters J Phillip Mast Laverne Miller Jesse Killion ★ Support this podcast on Patreon ★

Tony brings more than thirty years of experience to a thoughtful conversation about what makes homeopathy both enduring and effective. Drawing from his own journey into the profession, he reflects on the mentors, historical moments, and educational developments that shaped homeopathy in the UK while making the case for keeping its core principles simple and accessible. We also explore different prescribing approaches, the role of awareness in healing, and why understanding the character of each remedy matters more than getting lost in complicated theories. Tony closes by sharing the materia medica resources he values most and encouraging practitioners to build a strong foundation in the essentials of homeopathy. Episode Highlights: 02:13 - Tony's Early Influences and Experiences 10:02 - The State of Homeopathy in the 70s 14:16 - The Influence of George Vithoulkas 19:37 - Tony's approach in teaching materia medica 23:06 - The Spectrum of Remedies 25:55 - Case Taking and the Role of Insight 28:16 - The Challenge of Complexity in Homeopathy 32:09 - Polypharmacy vs. Classical Homeopathy 35:55 - The Importance of Transparency in Prescribing 39:49 Best Materia Medica Books 44:17 Heart Sing Advice About my Guests: Tony is one of the most experienced lecturers in the UK. He witnessed the resurgence of homeopathy in the late '60s and '70s and studied with Thomas Maughan, a leading figure and major influence on modern homeopathic thought. After travelling to India, Tony returned to teach yoga before beginning his homeopathic practice in 1982. He later studied Transpersonal Psychotherapy with Ian Gordon Brown and, in the mid-'80s, was among the group of students who studied under George Vithoulkas, the world-renowned Greek teacher and practitioner. Tony is known for bringing the Materia Medica to life, weaving his extensive clinical experience into his teaching. He continues to lecture at colleges and conferences worldwide. If you would like to support the Homeopathy Hangout Podcast, please consider making a donation by visiting www.EugenieKruger.com and click the DONATE button at the top of the site. Every donation about $10 will receive a shout-out on a future episode. Learn more about CHE Australia and its homeopathy training programs: https://chehomeopathy.com.au/ Join my Homeopathy Hangout Podcast Facebook community here: https://www.facebook.com/groups/HelloHomies Follow me on Instagram https://www.instagram.com/eugeniekrugerhomeopathy/ Here is the link to my free 30-minute Homeopathy@Home online course: https://www.youtube.com/watch?v=vqBUpxO4pZQ&t=438s Upon completion of the course - and if you live in Australia - you can join my Facebook group for free acute advice (you'll need to answer a couple of questions about the course upon request to join): www.facebook.com/groups/eughom                

To join Monday's workshop click WORKSHOP. Hi Friends, I've been going live on Instagram every morning at 9:00 a.m. Pacific, and today we talked about how clutter is preventing you from living your best life. Our souls are wired for growth. We aren't meant to wake up, go to work, come home, manage piles of stuff, and repeat the same day over and over. We're meant to explore, create, connect, and live fully. So why is it so hard to let go? Because your survival brain wants what's familiar, even if what's familiar is exhausting. Clutter isn't just physical. It's often a nervous system that has learned chaos feels safer than change. Join Me Live I'd love to meet you at my FREE one-day workshop on Monday, July 20. To join Monday's workshop click WORKSHOP. We'll uncover the hidden block that keeps you feeling like you're always decluttering but never getting anywhere, and I'll share a simple way to move forward without overwhelm. And if you're on Instagram, come join my 30 Days to Simplicity series! I'm going live every morning, 9am Pacific,  sharing practical mindset shifts and encouragement to help you create more space in your home and your life. Find me at @amber.cammidge on Instagram and let me know you heard about it on Episode 377, I can't wait to say hello.       Amber Cammidge is the founder of Declutter Your Chaos,  host of the Declutter Your Chaos podcast, with more than 1.5 million downloads, hundreds of raving reviews, and the creator of the Mindful Method for decluttering. She helps women stop fighting their clutter by understanding the psychology behind it. Blending behavioral science, neuroscience, practical decluttering strategies, and mindfulness - informed by her training in Mindfulness-Based Stress Reduction (MBSR) - Amber teaches that your home isn't just where you live - it's where you practice becoming the person you want to be. Her work is about far more than organizing a house. It's about creating space for clarity, confidence, and a life that feels like your own.    

Brad Stulberg is a bestselling author, performance coach to founders & elite athletes, and researcher on sustainable excellence, well-being, and behavior change. His new book, The Way of Excellence: A Guide to True Greatness and Deep Satisfaction in a Chaotic World, is a New York Times and USA Today bestseller. He's also the author of The Practice of Groundedness and Master of Change, and co-author of Peak Performance — books that have sold more than 500,000 copies and been translated into 20+ languages. He's on faculty at the University of Michigan, co-hosts the podcast excellence, actually, and writes regularly for the New York Times, with additional work in The Wall Street Journal and The Atlantic. He coaches founders, executives, and elite athletes — and has spent over a decade studying what actually separates world-class performers from people who just perform intensity.(02:00) Untangling worth from work(03:18) Mountains and passion(05:47) Clean fuel vs dirty(07:17) Simplicity over optimization(10:01) Stress rest growth cycle(11:14) Rest as the work(15:10) Digital Sabbath reset(18:33) Reclaiming focus(23:27) Dopamine fast reality(25:52) Excellence requires intimacy(29:15) Attention and mastery(32:57) Progress plateaus and curiosity(36:26) Learning mindset in sports(37:58) Steve Kerr values and perspective(40:50) Identity house minimum dose(45:15) Mental toughness responding(48:08) Nature nurture fit grit(51:39) Testosterone status and masculinity(56:05) Closing thanks and where to findBrad's websiteBrad's Instagram, Twitter, and SubstackThe Jitterbug phone

To join Monday's workshop click WORKSHOP. Hi Friends, I've been going live on Instagram every morning at 9:00 a.m. Pacific, and today we talked about how clutter is preventing you from living your best life. Our souls are wired for growth. We aren't meant to wake up, go to work, come home, manage piles of stuff, and repeat the same day over and over. We're meant to explore, create, connect, and live fully. So why is it so hard to let go? Because your survival brain wants what's familiar, even if what's familiar is exhausting. Clutter isn't just physical. It's often a nervous system that has learned chaos feels safer than change. Join Me Live I'd love to meet you at my FREE one-day workshop on Monday, July 20. To join Monday's workshop click WORKSHOP. We'll uncover the hidden block that keeps you feeling like you're always decluttering but never getting anywhere, and I'll share a simple way to move forward without overwhelm. And if you're on Instagram, come join my 30 Days to Simplicity series! I'm going live every morning, 9am Pacific,  sharing practical mindset shifts and encouragement to help you create more space in your home and your life. Find me at @amber.cammidge on Instagram and let me know you heard about it on Episode 377, I can't wait to say hello.       Amber Cammidge is the founder of Declutter Your Chaos,  host of the Declutter Your Chaos podcast, with more than 1.5 million downloads, hundreds of raving reviews, and the creator of the Mindful Method for decluttering. She helps women stop fighting their clutter by understanding the psychology behind it. Blending behavioral science, neuroscience, practical decluttering strategies, and mindfulness - informed by her training in Mindfulness-Based Stress Reduction (MBSR) - Amber teaches that your home isn't just where you live - it's where you practice becoming the person you want to be. Her work is about far more than organizing a house. It's about creating space for clarity, confidence, and a life that feels like your own.    

In a world that constantly tells us to do more, buy more, and complicate more…What if the real advantage is simplicity?This week on ALLSMITH, Bryce sits down with longtime friend, entrepreneur, inventor, father, and founder of Pipebell Fitness, Kaili Hunt, for a conversation about building products with purpose, creating businesses that solve real problems, and why the greatest innovations make movement more accessible—not more complicated.From launching Pipebell Fitness to navigating fatherhood, entrepreneurship, and an ever-changing fitness industry, Kaili shares the lessons that shaped his journey and why the best businesses aren't built around products—they're built around people.Together, Bryce and Kaili explore innovation, resilience, leadership, community, and the pursuit of a meaningful life. Whether you're building a business, raising a family, coaching others, or simply trying to become a better version of yourself, this conversation offers practical wisdom and timeless perspective.Because the strongest foundations are often the simplest.Fitness is the vessel.Life is the adventure.⸻Highlights• The story behind Pipebell Fitness and the problem it was created to solve.• Why simplicity is one of the greatest competitive advantages in fitness and business.• How innovation starts with curiosity and a willingness to think differently.• The realities of entrepreneurship that rarely make social media.• Fatherhood, perspective, and redefining success.• Building products that remove barriers and invite more people to move.• Why trust is more valuable than attention.• Lessons learned through failure, resilience, and betting on yourself.• The future of strength training and functional fitness.• How community creates lasting transformation.• Building a business that serves people before profits.• What legacy really looks like.Follow Kaili Hunt for insights on entrepreneurship, fatherhood, fitness, and innovation.Instagram: @kailihuntpipebellfitnessFollow Pipebell Fitness to learn more about their innovative approach to strength training and discover tools designed to make movement more versatile, approachable, and enjoyable.Instagram: @pipebellfitness⸻About ALLSMITHALLSMITH is a lifestyle design company built around one simple belief:Fitness is the vessel. Life is the destination.We exist to help people become the kind of person capable of building the life they desire through movement, mindset, meaningful relationships, and intentional living.Whether you're looking to become healthier, stronger, more resilient, or simply more fulfilled, ALLSMITH provides the coaching, community, and conversations to help you get there.Here's how we serve our community:• 1-on-1 Coaching — Personalized in-person and remote coaching focused on movement, mindset, nutrition, recovery, accountability, and sustainable lifestyle change.• The ALLSMITH Podcast — Weekly conversations with world-class leaders in fitness, business, medicine, adventure, military, and personal development.• The ALLSMITH Newsletter — Practical insights, stories, and actionable tools delivered each week to help you intentionally design a beautiful life.• ALLSMITH Apparel — Built for adventure. Worn with intention. More than clothing, it's a reminder to honor your word, embrace adversity, and become who you're capable of becoming.• Community Events — Group workouts, sauna and cold plunge nights, live events, adventures, and meaningful conversations designed to bring incredible people together.At ALLSMITH, we're not just building stronger bodies.We're building stronger humans.⸻Support Our PartnersA special thank you to BUBS Naturals for supporting the ALLSMITH mission.BUBS creates NSF Certified for Sport® collagen, creatine, hydration, MCT oil, and wellness products trusted by professional athletes, military operators, and everyday people committed to living healthier, stronger lives.Their commitment to quality, service, and adventure aligns perfectly with everything we believe at ALLSMITH.When you support the brands that support ALLSMITH, you help us continue producing meaningful conversations like this one.⸻Join The CollectiveIf this conversation inspired you, challenged your perspective, or encouraged you to think differently, we'd love your support.Subscribe to the ALLSMITH Podcast on YouTube, Spotify, or Apple Podcasts.Leave a five-star review to help us reach more people with these conversations.Share this episode with a friend, coach, entrepreneur, parent, or someone who could benefit from hearing Kaili's story.Follow along for more coaching, conversations, adventures, and inspiration:Bryce → @therealbrycesmithALLSMITH → @allsmithcoKaili Hunt → @kailihuntpipebellfitnessPipebell Fitness → @pipebellfitnessVisit http://ALLSMITH.co to explore:• In-person & Remote Coaching• The ALLSMITH Podcast• The Weekly Newsletter• Premium ALLSMITH Apparel• Community Events• Brand Partners• Lifestyle Design ResourcesRemember…Fitness is the vessel.Community is the catalyst.Adventure is the reward.Keep showing up.Keep honoring your word.Keep building a beautiful life.See you in the next episode.Thank you for Listening! Learn more below.ALLSMITH IG ALLSMITH YouTubeBryce Smith IG

Episode: 1660 Simplicity, complexity, and Shakespeare.  Today, Seattle Actor Megan Cole is here to talk about complexity, simplicity, and Shakespeare.

Josh Dean summarizes Kelly Johnson's 14 rules, emphasizing simplicity and speed. These principles required small teams and minimal paperwork to innovate effectively. Before passing away in 1990, Johnson witnessed a final emotional flyover of his iconic Blackbird, marking the end of a legendary aviation era. (12)1962

Most investors think they're buying the same thing when they choose a target date fund—but two people who bought 2025 target date funds 15 years ago could have 40% different returns today. Same target year, wildly different outcomes. The culprit? Fund families structure these "simple" investments in dramatically different ways, and most investors never look under the hood. Key Topics Discussed Passive Investing vs Active Financial Planning (00:03:30) Cody explains why you should be a passive investor but an active financial planner in your own life, noting that 95% of active investors underperform broad index funds over time. Understanding Target Date Funds (00:08:15) How target date funds work as default 401(k) options, automatically shifting from aggressive to conservative allocations as retirement approaches along a predetermined glide path. Surprising Differences Between Target Date Funds (00:18:45) The revelation that identical retirement target years can produce vastly different outcomes depending on fund family—differences in international exposure, bond types, and allocation strategies compound over time. Comparing Fidelity, Schwab, and Vanguard Target Dates (00:24:00) Detailed breakdown of how three major fund families structure their target date index funds differently, with varying philosophies on diversification and risk management. The Hidden Costs of Target Date Funds (00:32:20) Analysis showing target date index funds cost 35% to 400% more than purchasing underlying index funds directly. Fidelity's target date index fund, for example, is four times more expensive than buying Fidelity's component funds separately. Static Allocation Funds Explained (00:38:10) Introduction to balanced funds that maintain constant allocations (like 60/40 stocks/bonds) regardless of your age or proximity to retirement. Target Maturity vs Constant Maturity Bond Funds (00:42:30) Deep dive into how target maturity bond funds differ from traditional bond index funds—all bonds mature in the same year, converting to cash automatically without requiring you to sell anything. The Seven-Year Bond Strategy (00:48:15) Cody's approach to determining bond allocation: calculate seven years of planned spending and hold that percentage in bonds. If you'll withdraw $40,000 annually from a $1 million portfolio, hold 28% in bonds ($280,000) and 72% in stocks. Bond Ladders and Behavioral Finance (00:55:00) How target maturity bond funds overcome psychological barriers to spending in retirement by eliminating the need to "sell" assets—bonds simply mature into cash when you need it. Simplicity vs Complexity in Portfolio Design (01:02:30) Cody shares his personal eight-fund retirement portfolio strategy, explaining why something that appears complex can actually feel simpler from a behavioral perspective. Notable Quotes Mike Piper, CPA (quoted by Cody Garrett, CFP®): "There is no perfect portfolio, but there are countless perfectly fine portfolios." Rick Ferri, CFA (quoted by Cody Garrett, CFP®): "The perfect portfolio is the one you're going to stick with. Maintaining discipline is the hardest part of investing." Cody Garrett, CFP®: "Once you understand what a target date fund is, you no longer need one." Cody Garrett, CFP®: "Investing is like a bar of soap. The more you touch it, the less there is." Brad Barrett: "Success in personal finance and investing comes down more to behavior, vastly more to behavior than it comes down to any type of knowledge or intelligence." Key Takeaways Review your 401(k) fund lineup and sort by expense ratio to identify the lowest-cost index fund options available to you If your 401(k) lacks low-cost index funds (under 0.10% expense ratio), contact your plan administrator to request they be added to the fund lineup Calculate how much money you plan to spend from your portfolio over the next seven years to determine your appropriate bond allocation Visit Morningstar.com and review the portfolio tab of any target date funds yo…