Podcasts about spending

In my conversation with Portia Louder, we explore a side of real estate investing that rarely gets discussed. How fast things can unravel, how gray areas quietly turn dark, and how a single path can change the course of an entire life.  Portia shares her deeply personal journey that challenges common assumptions about risk, responsibility, and what it really means to rebuild after everything falls apart. This is not about fear; it's about awareness, integrity, and making informed decisions before it's too late. Portia details her story in her book, "Living Louder," about her life experiences and the lessons she learned through suffering, faith, and rebuilding her life.  You can check out her book on Amazon here: https://a.co/d/bvqIIv5 Learn more about Portia and her story at www.PortiaLouder.com

Spending a few nights with family or friends can be a blast, but adapting to someone else's lifestyle can be tricky. So we're resharing three easy ways to be a good houseguest and put your hosts at ease.  To support more content like this, become an AARP member at aarp.org. And don't forget to subscribe for more tips and tricks to help make your life a little easier — and happier! 

As Christmas draws near, many of us feel the pressure to buy just one more thing—or worry the season won't feel special unless we spend more. Tight deadlines, emotional expectations, and last-minute sales create the perfect environment for impulse spending to quietly take over. But Scripture offers a wiser, more freeing way to approach giving—one rooted in love rather than pressure.Christmas brings out many good desires. We want our homes to feel warm, our families to feel loved, and our gatherings to feel joyful. Emotional spending happens when those good desires turn into pressure—internal or external. We begin asking questions like: What if this isn't enough? What will they think if I don't give something big? If I don't hurry, will Christmas feel incomplete?Emotional buying often peaks in the final days before Christmas, not because we're unwise, but because we're human. We feel the weight of expectations, the excitement of the season, and the fear of missing out. But perfect moments aren't purchased. They're created through meaningful time together—not merely expensive gifts.A Biblical Rhythm for GivingScripture invites us into a different rhythm. Jesus said, “It is more blessed to give than to receive.” He wasn't describing frantic shopping or panic-driven generosity, but joyful, intentional, heart-shaped giving.Paul echoes this in Colossians 3:2: “Set your minds on things above, not on earthly things.” Christmas giving becomes a spiritual act when it flows from love, gratitude, and thoughtfulness rather than pressure or panic.Many of the most meaningful gifts can't be boxed or wrapped—a handwritten letter, a shared meal, a family tradition, a long walk with an aging parent, or a prayer spoken over someone you love. These are gifts that shape hearts, not clutter closets.In the final days before Christmas, urgency often speaks louder than wisdom. The sale is ending. Shelves are empty. Shipping won't arrive on time. Suddenly, our giving comes more from fear than love.Proverbs 21:5 offers a timely warning: “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Hasty choices don't just strain our finances—they strain our hearts. They rob us of peace and shift our focus from Christ to consumption.You don't have to sprint your way into Christmas. You can choose a different pace.Four Practical Ways to Avoid Emotional Buying1. Pause before you purchase. Even a 30-second pause can interrupt an emotional decision. Ask yourself: Is this coming from love—or from pressure?2. Let your values set the tone. A healthy budget isn't restrictive—it's clarifying. It helps your spending reflect what matters most.3. Remember, generosity is more than money. Time, words, service, and presence are gifts money can't replicate.4. Let Christ—not culture—define Christmas. Before you buy, ask: Will this help us celebrate Jesus, or simply ease a momentary fear?When your giving aligns with faith rather than fear, Christmas becomes more meaningful—not less.The Freedom of Love-Led GivingMother Teresa captured this beautifully: “It's not how much we give, but how much love we put into giving.” You're not responsible for funding a flawless Christmas. You're responsible for loving the people God has placed in your life—and love doesn't require overspending.Christmas isn't a test of your financial ability. It's a celebration of God's generosity toward us. The angel didn't announce “great deals of consumer joy,” but “good news of great joy—a Savior has been born to you.” That's the center of Christmas, and the foundation of intentional giving.On Today's Program, Rob Answers Listener Questions:I'm 57 and have about $300,000 in a 401(k). I owe $133,000 on my mortgage and am considering using retirement funds to pay it off. My employer mentioned rolling over just enough to cover the mortgage into a pension plan. Is that possible, and what should I consider before proceeding?You previously shared a list of scholarships. I have a daughter who's a high school freshman and may attend Liberty University. Do you still have that scholarship list? How can we start preparing now?I'm 74, retired, and have about $25,000 in an IRA. I want to invest some in gold, but I also owe $13,000 on a high-interest credit card from home repairs. Is there a way to negotiate that debt for a lump-sum payoff? And since I live on a pension and Social Security and haven't filed taxes in four years, do I still need to pay taxes?I taught vocational trades in the Texas prison system and was told that ex-felons can't get a job until seven years after probation. Is that actually the law in Texas? And if so, how are people expected to support themselves during that time?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsFinding Your Scholarships (Faith and Finance Episode - August 14, 2024)Scholarships.com | Fastweb.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

New research from David Blanchett, head of retirement research at PGIM, challenges one of the biggest assumptions in retirement planning: that happiness in retirement depends on maintaining a constant—or even increasing—level of spending. ⬇️ Upon entering retirement, households experience a median consumption decline of about 20%. This drop is often viewed as a red flag in traditional financial planning models. However, Blanchett argues that this decline is not necessarily problematic, especially when you look at how financial well-being changes over time. ☎️ Then on our listener question, we hear from a 34-year-old investor who's been all-in on stocks since taking Dave Ramsey's advice early in their career. Now, they're wondering how and when to start easing into a more balanced portfolio with bonds.  We'll talk strategy, psychology, and sprinkle in some data on market highs that might surprise you. Resource: Article by John Manganaro from ThinkAdvisor: Spending Drops in Retirement, but Satisfaction Doesn't: Blanchett Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

Spending time outside can be surprisingly powerful for your health.In this episode, I'm joined by outdoor living expert Julie Beckwith to explore how outdoor spaces boost your mental, emotional, and physical well-being. From reducing anxiety to improving sleep and even supporting your immune system, the benefits go far beyond what you might expect.Julie also shares practical, budget-friendly ideas for creating your own outdoor sanctuary—even if you live in a city, don't have a yard, or don't live in sunny SoCal like me.With a passion for blending nature with wellness, Julie educates homeowners as well as employers on the transformative power of outdoor spaces. Drawing from experience, she offers practical insights into creating outdoor sanctuaries that boost mental, emotional, and physical well-being.Julie is an inspiring speaker, captivating audiences with her knowledge on the health benefits of outdoor living. She offers actionable tips to help individuals and employers design, budget for, and maximize their outdoor spaces. Julie's approachable and engaging style makes her a sought-after speaker for events, conferences, and workshops focused on home improvement, wellness, and lifestyle enhancement.https://www.linkedin.com/in/julie-beckwith-aa0686315/https://www.facebook.com/profile.php?id=100090364213008https://livingonthepatio.com/Tune in each week for practical, relatable advice that helps you feel your best and unlock your full potential. If you're ready to prioritize your health and level up every area of your life, you'll find the tools, insights, and inspiration right here. Check out Esther's website for more about her speaking, coaching, book, and more: http://estheravant.com/Buy Esther's Book: To Your Health: https://a.co/d/iDG68qUEsther's Instagram: https://www.instagram.com/esther.avantEsther's LinkedIn: https://www.linkedin.com/in/estheravant/Learn more about 1:1 health & weight loss coaching: https://madebymecoaching.com/coaching

John Canzano interviews Oregon State AD Scott Barnes, about football, the new hire at OSU, spending in the Pac-12 and more. Subscribe to this podcast. Read JohnCanzano.com

Spending thanksgiving on a boat of virgins

In this episode of Excess Returns, we sit down with Adrian Helfert of Westwood to discuss how investors should be thinking about portfolio construction in a market shaped by artificial intelligence, high levels of concentration, shifting interest rate dynamics, and evolving economic signals. The conversation covers how AI-driven capital spending is changing return profiles across markets, why traditional investing rules are breaking down, and how investors can balance growth, income, and risk in an uncertain environment. Adrian shares his framework for understanding return drivers, his views on market concentration and valuation, and how to think about diversification, macro risk, and income generation going forward.Main topics covered• How Westwood frames portfolio construction around capital appreciation, income, and event-driven returns• Why AI spending is both a major opportunity and a growing existential risk for large companies• The sustainability of market concentration and what it means for future returns• Whether higher interest rates really hurt growth stocks the way investors expect• How massive data center and AI capital expenditures could translate into productivity gains• The case for market broadening beyond the Magnificent Seven• Why traditional recession indicators have failed in recent cycles• How inflation, labor markets, and Federal Reserve policy interact today• Rethinking the classic 60/40 portfolio and the role of private markets• Using covered calls and active income strategies to manage risk and generate yieldTimestamps00:00 Introduction and near-term opportunities versus long-term risk02:40 Capital appreciation, income, and event-driven investing framework06:30 Have markets structurally changed to support higher returns09:30 Intangible assets, AI, and margin expansion10:20 The scale of AI and data center capital spending13:00 Productivity gains and return on investment from AI16:00 AI as both opportunity and risk for companies19:30 Market concentration and diversification concerns23:30 Will market leadership eventually broaden25:30 Growth stocks, duration, and interest rates29:30 International diversification and global investing33:30 Why recession indicators have failed39:00 Inflation outlook and Federal Reserve policy46:00 Rethinking the 60/40 portfolio53:00 Enhanced income strategies and covered calls59:00 One investing belief most peers disagree with

In a time when loneliness is becoming a public health crisis, author Rhaina Cohen says friendships aren't just nice to have — they're essential to your health and happiness. She challenges the assumption that biological and romantic relationships matter most, exploring how close platonic bonds (when given real intention and commitment) can profoundly strengthen your life. (This conversation, hosted by TED's Whitney Pennington Rodgers, was part of an exclusive TED Membership event. TED Membership is the best way to support and engage with the big ideas you love from TED. To learn more, visit ted.com/membership.) Hosted on Acast. See acast.com/privacy for more information.

Every December, something subtle happens in Christian homes. Decorations go up. Schedules fill fast. Spending increases. Stress creeps in. And somewhere in the middle of all the activity, Jesus can quietly move from the center to the edges. Most Christian men would say they believe Christmas is about Christ. Yet belief and practice do not always line up. The real question is not what we say Christmas means, but what our lives show. Keeping Christ in Christmas starts with an honest look at how we spend our time, money, attention, and spiritual energy during this season. If Jesus walked into our homes in December, would He recognize what we are celebrating? Luke 2:10–11 tells us exactly what Christmas is about. “Do not be afraid. I bring you good news of great joy that will be for all the people. Today in the town of David a Savior has been born to you; he is Christ the Lord.” That announcement did not come with shopping lists, packed calendars, or pressure to perform. It came with worship, awe, and obedience. The farther we drift from that truth, the harder keeping Christ in Christmas becomes. The Lie That Keeps Men Spiritually Confirmed One […] The post Keeping Christ in Christmas appeared first on UNCOMMEN.

CONGRESSIONAL SPENDING AND THE REVERSE MIDAS TOUCH Colleagues Dave Hebert and Peter Earle. Hebert and Earle argue that Congressional spending exacerbates problems in education and healthcare by subsidizing demand while restricting supply through regulations. They contend politicians prefer "showy" supply-side interventions, like drug busts, over effective policies because the politics of appearing effective outweigh the economics of actual affordability. NUMBER 16 1936 FDR

The holiday season is the most wonderful time of the year, but it's also the most expensive. Between gifts, food and travel, people can end up spending a lot of money this year. The Financial Times' consumer editor Claer Barrett explains why people are feeling the pinch this season and what they can do about it. Mentioned in this podcast:Economists warn of flaws in US inflation reportFT Financial Literacy and Inclusion CampaignFind Claer Barrett on TikTok and Instagram Note: The FT does not use generative AI to voice its podcasts Today's FT News Briefing was hosted and edited by Marc Filippino, and produced by Mischa Frankl-Duval and Victoria Craig. Our show was mixed by Kent Militzer. Additional help from Michael Lello. The FT's acting co-head of audio is Topher Forhecz. The show's theme music is by Metaphor Music. Hosted on Acast. See acast.com/privacy for more information.

A Garden Chat with Don TitmusGreg Peterson and Don Titmus reconnect for a November Garden Chat focused on reviewing the ethics and principles of permaculture and how they apply beyond gardening into daily life. Drawing from decades of hands-on experience in arid and temperate climates, they explore observation, working with nature, stacking functions, and regenerative design. The conversation weaves together philosophy, practical examples from Phoenix and North Carolina, and reflections on how a Permaculture Design Course (PDC) can fundamentally reshape how people think and live.Our Guest: Don Titmus grew up in London and at age 16 spent 4 years being trained in horticulture through an apprenticeship and a college course. From there he continued landscaping in his hometown until he moved to Arizona in 1981, where he worked in landscaping and then starting his own business in garden maintenance. In 2003 he attended a Permaculture Design Course, which was life-changing for Don. He knew right away that this was the path he'd been waiting for, and later attended two Permaculture Teacher Trainings.Key Topics & EntitiesPermaculture ethicsPermaculture principlesObservation and designWorking with natureElements and stacking functionsZones (including Zone 0 / self-care)Regenerative and edible landscapesDrylands permacultureRainwater harvestingPerennial systemsPermaculture Design Course (PDC)Bill MollisonDavid HolmgrenUrban Farm PodcastBee Oasis (Mesa, AZ)Key Questions AnsweredWhat is permaculture, in simple terms?Permaculture is the art and science of working with nature—observing natural systems and designing human habitats that align with ecological patterns rather than fighting them.What are the core ethics of permaculture?Care for the earth, care for people, and care for the future (often expressed as sharing surplus). These ethics guide every design decision and ensure long-term sustainability and reciprocity.Why is observation considered the foundation of permaculture design?Spending time observing land, climate, wildlife, and human patterns prevents costly mistakes and reveals opportunities to work with existing energy flows rather than against them.What does it mean that “the problem is the solution”?Challenges—such as excess heat, water runoff, or waste—often contain the seeds of their own solutions when reframed through thoughtful design.How do elements and stacking functions create resilience?Each element in a system (trees, chickens, compost, water systems) should serve multiple functions, increasing efficiency, reducing waste, and strengthening connections across the whole system.What is a Permaculture Design Course (PDC), and who is it for?A PDC is a globally recognized 72-hour introduction to permaculture principles and design, tailored to local bioregions and intended to transform how participants think about land, community, and life systems.Why take a PDC in your own bioregion and in person?Local courses address climate-specific realities, and in-person learning builds community, shared experience, and deeper understanding through hands-on practice.How can permaculture principles apply beyond gardening?Permaculture offers a framework for life—informing health, relationships, work, energy use, and even practices like yoga—by emphasizing connection, care, and intentional design.Episode HighlightsPermaculture as a life framework, not just a gardening...

Spending time with Karen Wickerson feels like opening a quiet doorway into the wisdom of the animals who walk beside us. Karen is an animal telepath, a former clinical counselor, and the author of Listen to Your Animals: They Know More Than You Think. Her connection to animals began when she was three years old and realized she could communicate with them. As she grew older, she learned to silence that gift because the people around her didn't understand it, until her soul eventually pulled her back toward the work she was meant to do.Karen shares how she reached a point in her counseling career where she knew she was “about to hit the wall” and feared she might make a severe mistake with a family. That moment pushed her to plan her exit and step toward a life that aligned with her true calling. It led her to a trek to Mount Everest base camp with asthma and only 70 percent lung capacity, a journey that taught her the power of moving forward even half an inch at a time.We explore how she connects with animals across distance, how she reads their unique energy signatures, and what she has learned about their emotional worlds. Karen describes what really happens when animals cross over and how they often explain it as simply taking off a coat they no longer need. She also shares stories about grief, soul agreements, and the ways animals guide their humans through important life decisions.Karen's work is a reminder that our animals are not just pets. They are teachers, companions, and wise, sentient beings who understand far more than we often realize.Key Reflections• Animals communicate through energy, emotion and intention.• Our relationships with them are true partnerships that often stretch across lifetimes.• When an animal passes, its essence remains connected to us.• The choices we make at the end of their life are guided and never wrong.Links and ResourcesKaren's website: https://karenwickerson.comInstagram: https://www.instagram.com/karenwickersonanimaltelepath/Karen's Book: Send us a text Support the show✨ Join My TEDx Spokane Journey! Get early updates, BTS moments, and reflections as I prep for TEDx Spokane.

In this episode, Dr. Rena Malik, MD is joined by Dr. Matthew Davenport to explore the true value and risks of whole body MRI scans and other imaging tests. Together, they address widespread misconceptions about early cancer detection, the potential for overdiagnosis, unnecessary invasive procedures, and the psychological harms incidental findings can cause. Listeners will learn how to make informed, evidence-based decisions about medical imaging, prioritize lasting health habits, and understand the evolving role of new technologies like artificial intelligence in radiology. Become a Member to Receive Exclusive Content: renamalik.supercast.com Schedule an appointment with me: https://www.renamalikmd.com/appointments ▶️Chapters: 00:00:00 Introduction 00:00:43 Full Body MRI Scans Explained 00:03:12 Overdiagnosis and Incidental Findings 00:06:14 Cancer Detection Myths 00:10:33 Physical and Psychological Harms 00:18:29 Real Patient Case: Imaging Gone Wrong 00:24:17 Spending for Health: Better Alternatives 00:30:59 Imaging Advances and AI 00:53:12 Prostate MRI Screening 01:17:05 Lessons, Value, and Personal Insights Go to https://www.cozyearth.com and use coupon code RENA to get up to 40% off! Stay connected with Dr. Matthew Davenport on social media for daily insights and updates. Don't miss out—follow him now and check out these links! LinkedIn profile: https://www.linkedin.com/in/matthew-davenport-md-mba-037184286 Work profile: https://medschool.umich.edu/profile/2315/matthew-s-davenport Most relevant article: https://www.ajronline.org/doi/10.2214/AJR.22.28926 Next event is grand rounds speaker at Stanford: https://med.stanford.edu/radiology/education/grandrounds/2025-26.html#january Let's Connect!: WEBSITE: http://www.renamalikmd.com YOUTUBE: https://www.youtube.com/@RenaMalikMD INSTAGRAM: http://www.instagram.com/RenaMalikMD TWITTER: http://twitter.com/RenaMalikMD FACEBOOK: https://www.facebook.com/RenaMalikMD/ LINKEDIN: https://www.linkedin.com/in/renadmalik PINTEREST: https://www.pinterest.com/renamalikmd/ TIKTOK: https://www.tiktok.com/RenaMalikMD ------------------------------------------------------ DISCLAIMER: This podcast is purely educational and does not constitute medical advice. The content of this podcast is my personal opinion, and not that of my employer(s). Use of this information is at your own risk. Rena Malik, M.D. will not assume any liability for any direct or indirect losses or damages that may result from the use of information contained in this podcast including but not limited to economic loss, injury, illness or death. Learn more about your ad choices. Visit megaphone.fm/adchoices

“I was underworked, underpaid, depressed… and when I got fired, it saved my life.” That's how Princess Dior opens this raw, inspiring, and unbelievably honest conversation on Inside the Vault. What started as a pandemic layoff turned into a multimillion-dollar empire built on hustle, heart, and a willingness to bet it all on herself.In this episode, Ash Cash sits down with Princess Dior — entrepreneur, educator, visionary — as she breaks down how she went from a $5,000 investment to making her entire yearly salary in 60 days. But this isn't a highlight reel. It's the real-life story behind the glow-up.Princess talks about: • How she escaped a 9–5 that drained her and found a mentor who changed everything • Building a business with bad credit and no capital • Scaling from two rental cars to a 100-car fleet using other people's assets • Losing $30K in trucking — and why that failure sharpened her as a CEO • Helping over 500 people repair their credit and unlock $20M in funding • Using credit as a down payment on generational wealth • Why recurring revenue > “fast money” • Turning a helicopter into a six-figure passive income stream • The shift from six figures to seven — and who you must become to sustain it • How she's teaching youth and athletes to avoid the financial traps she's seen • Why she refuses to gatekeep wealth, information, or opportunityThis is not a podcast about money — it's a conversation about mindset, identity, and elevation. It's a blueprint for anyone who's tired of playing small, tired of guessing, and ready to invest in themselves the way life invested in their potential.If you've ever felt stuck between who you are and who you're becoming, Princess Dior's story will push you forward.Inside the Vault with Ash Cash — the #1 money mindset show in the world.TIMESTAMPS00:00 — Fired, depressed, and the moment everything changed 02:02 — Turning a last $5K into life-changing skills 03:15 — “Get rich slowly… it lasts longer.” 04:52 — Growing up in Compton & a mother who hustled for her 07:11 — The pandemic that forced a pivot 08:12 — Making her yearly salary in 60 days 09:47 — Why investing in a mentor was the turning point 10:58 — Credit myths: What people get wrong 12:10 — How to start a business with bad credit & no money 13:45 — The beauty of recurring income 15:03 — “Credit isn't debt, it's a down payment on wealth.” 16:32 — How her Mogul Talk community was born 17:57 — OPM: Using other people's money the right way 19:50 — The real blueprint to $100K–$500K in funding 21:18 — Top 3 low-overhead, high-cash-flow industries 22:30 — Scaling from nothing to a 100-car fleet 24:48 — From bad credit to private jets & helicopters 27:12 — Real estate, restaurants, and building long-term assets 28:40 — The trucking business failure that nearly broke her 30:18 — Why daily cash flow matters more than big deals 31:40 — Helping single moms, former felons & first-gen homeowners 32:58 — Legacy, Nipsey inspiration & “champagne problems” 33:55 — Six to seven figures: Becoming a different person 35:20 — Spending money to grow money 36:45 — AI's impact on business & why entrepreneurs must adapt 38:30 — Working with youth, NIL athletes & avoiding financial traps 40:41 — Helping parents without going broke 42:07 — Her most powerful OPM plays 43:30 — Fixing your credit TODAY (step-by-step) 45:15 — What's next: financial literacy in schools & nonprofit vision 47:01 — Growing up protected — and why she protects others now 48:37 — Leaving LA for Atlanta & how environment changed her life 50:15 — “If you have value, you can win in any room.” 52:00 — Her challenge: funding, age corps, digital products & more 54:00 — AI vs. mentorship: The real difference 55:20 — The truth about million-dollar launch days 58:00 — Community, consistency & mind-stretching rooms 1:00:14 — Where to find Princess Dior 1:01:22 — Closing out the VaultAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

As a teenager, Jack Kehoe was so consumed by drugs and alcohol that he once boarded a mission-trip bus drunk and stoned. But by the end of that trip, he'd encountered God in a way that rerouted his entire life. This week, Jack sits down with Nate Dewberry to share where that new path has taken him — from a loving marriage that inspired the “Called for More” podcast to an unforgettable year-long mission trip in South America. Along the way, Jack has collected hard-won insights that speak directly to men, whether you're navigating marriage or learning to lead yourself well in singlehood.Segments/chapters0:00 Opening prayer/Intro1:59 What's holding men back from going all in for God?8:53 Jack's journey out of addiction and into faith18:38 Important people who helped Jack grow on his faith journey24:21 Reflections on singlehood and marriage35:42 Spending a year as a traveling missionary couple in South America41:29 Overcoming a porn addiction with the help of other menVisit The Redeemed's website for downloadable discussion question sets, show notes, inspirational articles, more resources, or to share your testimony.Join our Exclusive Newsletter: Signup today and be the first to get notified on upcoming podcasts and new resources!The Redeemed is an organization giving men from all backgrounds a supportive, judgment-free environment, grounded in Christian love without demanding participation in any faith tradition, where they can open up about their challenges, worries, and failures—and celebrate their triumphs over those struggles. Have a redemption story? Share your redemption story here. Interested in being a guest on our podcast? Email Nate@theredeemed.com Follow The Redeemed on Social Media: Podcast YouTube Facebook Instagram LinkedIn Twitter

Wendy Glaister drops some serious knowledge bombs on us about staging your home, whether you're trying to sell it or just impress those holiday guests you secretly dread. First things first: we all want our homes to look like they belong in a magazine, but Wendy reminds us that it doesn't mean we need to remodel everything and blow our budgets. Instead, she emphasizes the power of a good clean and a fresh perspective—think of it like trying on someone else's glasses for a moment. We dive into the nitty-gritty of decluttering, sprucing up those dusty corners, and even the psychological impact of greenery in your space—because who doesn't want a fern to cheer the place up? So grab your broom and maybe some faux plants, because we're about to transform your home into a place that's not just livable, but downright lovable!Takeaways:Staging your home isn't about making it look like a magazine; it's about understanding what buyers want and making smart, cost-effective choices.If you're selling your home, putting on a fresh coat of paint is great, but don't forget to clean up all the clutter and make your space feel inviting and welcoming.Lighting can totally make or break a room—ditch the overhead lights for softer lamps that make your home feel cozy and lived-in, not like a hospital ward.When staging, think like an Airbnb guest: declutter, clean, and make it feel like a place someone would want to stay in, not just a house they are visiting.Companies mentioned in this episode:MarshallsTJ MaxxHGTVConrad SanchezWendy Glaister InteriorsThanks for listening to Around the house if you want to hear more please subscribe so you get notified of the latest episode as it posts at https://around-the-house-with-e.captivate.fm/listenIf you want to join the Around the House Insider for access to the back catalog, Exclusive Content and a direct email to Eric G and access to the show early https://around-the-house-with-e.captivate.fm/support We love comments and we would love reviews on how this information has helped you on your house! Thanks for listening! For more information about the show head to https://aroundthehouseonline.com/Information given on the Around the House Show should not be considered construction or design advice for your specific project, nor is it intended to replace consulting at your home or jobsite by a building professional. The views and opinions expressed by those interviewed on the podcast are those of the guests and do not necessarily reflect the views and opinions of the Around the House Show.Mentioned in this episode:Need Holiday Gift Ideas? Check out our new ones at AroundtheHouseonline.com Looking for quick gift ideas for Christmas or the Holidays? Check out our latest gift guide at https://aroundthehouseonline.com/holiday-ideas/

$MU earnings surprised me. Again - earnings for AI are REALLY good. But the spending continues to bring the market down. Plus these 2 REITS will pay you to start out 2026 - solid plays found using scanners. THESE SALES END SOON: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TRENDSPIDER HOLIDAY SALE - Get 52 trainings for the next year at 68% off. Become a Trendspider master! ⁠⁠⁠⁠⁠⁠SEEKING ALPHA BUNDLE - Save over $100 and get Premium and Alpha Picks together ⁠⁠⁠⁠⁠⁠ALPHA PICKS - Want to Beat the S&P? Save $50 ⁠⁠⁠⁠⁠⁠Seeking Alpha Premium - FREE 7 DAY TRIAL ⁠⁠⁠⁠⁠⁠SEEKING ALPHA PRO - TRY IT FOR A MONTH ⁠⁠⁠EPISODE SUMMARY

A debate about parents boasting online at Christmas took an unexpected turn, when mum Sarah revealed the STAGGERING amount of money she has spent on her kids this Christmas. This has to be heard to be believed!

Complex accounts that give users a tax break result in billions lost for consumers. Advice on Flexible Spending Accounts: rules, what the funds can be used for, grace periods, and solutions to not lose money, with the CEO of Florida-based daylii, Nick Dimauro

In this episode of Between Product and Partnerships, Cristina Flaschen speaks with Mike Gelber, Chief Product Officer at Impiricus, about his career path and the experiences that shaped his approach to product leadership in healthcare. Mike's background spans finance, ad tech, and healthcare, and his move into product reflects a steady pull toward roles that combine technical depth with proximity to real users. Throughout the conversation, he shares how those experiences influenced the way he approaches product decisions, partnerships, and growth in a regulated environment.From Finance to Product ThinkingMike began his career at JP Morgan, where he quickly gravitated toward building tools that made work more efficient. Teaching himself to automate tasks introduced him to software development and revealed the leverage technology could provide. That curiosity led him into ad tech, where working closely with customers helped him connect system design with real usage. Over time, product became the natural intersection between building technology and understanding how people actually work.Why Founding a Company Accelerated His GrowthStarting a company brought Mike closer to customers and everyday decision-making. Choices carried immediate consequences, which sharpened his sense of focus and sequencing. The experience also exposed him to areas of the business that are often distant from product roles, shaping a broader understanding of how products are built, sold, and sustained over time.Lessons from Building and Exiting LassoMike reflects on building Lasso and guiding it through growth before its acquisition by IQVIA. A defining lesson from that journey was the importance of validating demand early. Proving value through direct execution helped guide product direction and informed how he now thinks about product-market fit. That experience reinforced the importance of grounding decisions in real usage rather than assumptions.Joining ImpiricusAfter the acquisition, Mike joined Impiricus as Chief Product Officer. He initially questioned whether SMS could be an effective channel in healthcare. Spending time with the product in real-world settings changed that perspective, particularly as he observed how clinicians interacted with it during day-to-day work. Those experiences helped clarify the product's role in supporting healthcare providers.Defining Success in Healthcare ProductMike describes success at Impiricus through outcomes and experience. Pharmaceutical partners measure impact through prescribing behavior, while healthcare providers encounter fewer barriers when supporting patients. The most meaningful signals come from moments where the product quietly fits into existing workflows and reduces friction without drawing attention to itself.Timing, Integration, and RelevanceThe conversation returns often to timing. Mike explains how Impiricus uses data and integrations to engage healthcare providers when support is most relevant. This approach allows the product to fit naturally into clinical workflows, which is critical in environments where attention is limited.Looking AheadMike shares what's next for Impiricus, including the launch of a new product called Ascend and continued momentum following recognition on Deloitte's Fast 500 list. As the company grows, the focus remains on staying close to healthcare providers and maintaining the product principles that shaped its early success. Cristina closes the episode by reflecting on how Mike's journey illustrates how product leadership evolves inside regulated industries.

Today's guest won't surprise you if you read the introduction to Rich Girl Nation, which recollected the 2018 event that made me think personal finance might not be solely for people with brown bananas and pocket protectors. Lindsey Stanberry, founding editor of Refinery29's Money Diaries turned media entrepreneur, joins me for the penultimate episode to talk about: Why most conversations about money are really about time What she learned about our culture from monitoring the Money Diaries comments section Leaving a job, even when it means sacrificing financial security for emotional security What's really driving our “obsession with FI/RE” The dark side of optimization Subscribe to my weekly newsletter: ⁠⁠⁠⁠⁠⁠⁠https://moneywithkatie.com/newsletter⁠⁠⁠⁠⁠⁠⁠ Get your copy of Rich Girl Nation, one of Barnes & Noble's Best Business Books of 2025:⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.moneywithkatie.com/rich-girl-nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Transcripts, show notes, resources, and credits at: https://moneywithkatie.com/the_mwk_show/lindsey-stanberry-judge-hide-admit/ — Money with Katie's mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs. Learn more about your ad choices. Visit megaphone.fm/adchoices

Every decision comes with risk. The question is: which risk are you willing to tolerate, and why?There's the risk of betting on yourself - going all in, building something that's yours, and seeing what's possible.And there's the risk of going back - spending your days dedicated to someone else's business, constantly wondering if you should actually be working for yourself.Both are risks. But only one of them lets you build something that's truly yours.In this episode, I'm breaking down how to make this decision with clarity. Because here's what I've learned: most people aren't actually choosing between independence and a full-time job. They're hedging. Playing it safe. Saying yes to work that pays the bills but doesn't light them up. Spending time dreaming about the escape hatch back to corporate life.I'm asking you to be honest: have you really given independence the shot it deserves? Or have you been holding back?You don't have to commit your entire life to your business yet. But you do need to give yourself permission to go ALL IN for 12 months. To get the support you actually need. To replace your old salary and build something that's yours.It's time to go all in on your purpose and build a revenue engine to sustain it.If you're ready to stop hedging and start building, join me in my Advanced Mastermind, GROW Independent. This is a cohort of 10 professionals dedicating 1 full year to creating a business aligned to purpose and building the marketing and sales engine to sustain it.The doors are open NOW.Sign up here: https://coachdonohoe.com/grow-independent_________Royalty Free Music from Tunetank.com Track: Urban Legend by Musical Bakery https://tunetank.com/track/3362-urban-legend/

Jen Gaster: How she sold her business to her team (and kept the tax bill at zero)Jen Gaster launched HR Heads in 2008 at the height of the financial crisis with a six-month-old baby and zero income security.17 years later, she runs three brands, 22 people, and just completed an Employee Ownership Trust (EOT) transaction.Tax-free exit, 5-year payout. The employees own the business when the mortgage is paid off.One week after they completed the deal, Rachel Reeves changed the rules.EOT payments are now taxable for anyone doing it after the budget.Jen got in just in time.But here's what makes this story different.She built the business with her husband Rupert. Same office but separate brands and working processes (They've literally only attended one client meeting together in their entire lives!)This week on The RAG Podcast, Jen tells the full story.We cover:Starting a business during the 2008 financial crash with a babyWorking with your spouse without destroying your marriageWhy she admits "I don't think I'm a brilliant man manager"The EOT transaction and how they structured a tax-free exitHow Rachel Reeves' budget changed the rules one week after they completedWhy legacy mattered more than a trade saleThis isn't about building an empire.It's about a founder who wanted to reward the people who built the business with her and managed to do it without a tax bill.If you've ever wondered whether there's another way to exit, this episode has the blueprint.__________________________________________Episode Sponsor: AtlasAdmin is a massive waste of time. That's why there's Atlas, the AI-first recruitment platform built for modern agencies.It doesn't only track CVs and calls. It remembers everything. Every email, every interview, every conversation. Instantly searchable, always available. And now, it's entering a whole new era.With Atlas 2.0, you can ask anything and it delivers. With Magic Search, you speak and it listens. It finds the right candidates using real conversations, not simply look for keywords.Atlas 2.0 also makes business development easier than ever. With Opportunities, you can track, manage and grow client relationships, powered by generative AI and built right into your workflow.Need insights? Custom dashboards give you total visibility over your pipeline. And that's not theory. Atlas customers have reported up to 41% EBITDA growth and an 85% increase in monthly billings after adopting the platform.No admin. No silos. No lost info. Nothing but faster shortlists, better hires and more time to focus on what actually drives revenue.Atlas is your personal AI partner for modern recruiting.Don't miss the future of recruitment. Get started with Atlas today and unlock your exclusive RAG listener offer at https://recruitwithatlas.com/therag/__________________________________________Episode Sponsor: HoxoEvery recruitment founder is investing in LinkedIn.Spending thousands on Recruiter licences.Building connections. Posting content. Growing networks.But here's the question almost no one can answer:How much revenue is LinkedIn actually bringing into your business?Most founders have thousands of connections but no clear process to turn that attention into cash.That's the problem we solve.At Hoxo, we help recruitment founders build predictable revenue systems on LinkedIn, not just noise or vanity metrics.Our clients are turning LinkedIn into £100K–£300K in new billings within months, using their existing networks and a simple repeatable process.To show you how it works, we've created a short training video exclusively for RAG listeners.In less than 10 minutes,...

Near the end of the year, many practice owners scramble to buy new equipment just to lower their tax bill. But is that "last-minute" purchase actually hurting your bank account? In this episode, we break down why rushing into year-end spending can cripple your cash flow and how to navigate the complex rules of Section 179 deductions without getting flagged by the IRS.We also dive into the administrative "must-dos" that keep your practice compliant. We'll discuss the current 1099 reporting requirements (and the upcoming relief in 2026), how to unlock tax-free reimbursements for home rentals and mileage, and the critical deadlines you cannot afford to miss this January.Upcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory

Holdups remain for quick movement on a Senate spending package. A GOP health bill is headed for the House floor, though it doesn't extend ACA credits. The Senate is set to vote on the NDAA today. Kristina Karisch has your CQ Morning Briefing for Wednesday, Dec. 17, 2025.

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse  ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 - Introducing Dave01:10 – Why most Vegas statuses died in 2024–202502:00 – What to do if you've completely fallen off the merry-go-round02:40 – MGM temporary tier matches & why timing matters03:30 – Venetian ↔ Pechanga reciprocal match explained04:40 – How onward matching actually creates value05:00 – Rio match & pop-up Vegas promos example05:50 – Why airline & hotel status won't restart casino matching06:40 – Spending your way to Caesars Diamond (credit cards & hacks)09:40 – Is the status merry-go-round still worth it in 2026?10:50 – Atlantic City loop, Wynn nights & cruise value13:20 – Can casino status still unlock airline or hotel perks?15:10 – What replaces the merry-go-round in 202618:00 – International airline status matches (real power move)25:00 – Best resources to find matches before they disappearYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelYou can find Dave at:➤ MilesTalk (website): https://milestalk.com/➤ MilesTalk Facebook Group: https://www.facebook.com/groups/MilesTalk/➤ Twitter / X: https://x.com/MilesTalk➤ Instagram: https://www.instagram.com/milestalk/ ➤ Threads: https://www.threads.com/@milestalk Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

It's Tuesday, December 16th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson Chinese Communists arrested 18 pastors over evangelism online Chinese Pastor Ezra Jin and 17 other pastors have been arrested by Chinese Communist authorities on charges of using illegal information networks. Translation? Putting the Gospel message on Zoom is now illegal in China.   The pastors are facing three years in prison.   A pastor's wife described the situation on the Christian Broadcasting Network. WIFE: “China opened the door for the Western society and then grow their economy. I grew up from that period of time. So, I thought we weren't gonna be put in jail because of our Christianity or our faith.” Chinese officials convicted liberty advocate Jimmy Lai Not surprisingly, those Chinese communists have convicted Hong Kong's pro-liberty advocate, Jimmy Lai, with conspiracy to collude with foreign forces. It's a charge that could put him in prison for life. This was the highest profile case since Hong Kong was turned over to the communists in 1997, and Hong Kong's democratic elections halted in 2020. China to eliminate out-of-pocket expenses for childbirth China is planning to eliminate all out-of-pocket medical costs for childbirth with the hopes of encouraging more births. China's fertility rate is dismal, hovering around 1.0. In fact, Chinese deaths have outnumbered births for three years in a row now. The countries with the lowest fertility rates in the world are Hong Kong, China, Taiwan, South Korea, Singapore, Ukraine, and Chile. Two Muslim men killed 16 Jews in Sydney, Australia On Sunday, two Muslim men, a father and son, have been identified as suspects in the killings of 16 people at a Jewish celebration of Hannukah in Sydney, Australia on Bondi Beach, reports the Associated Press. That's the worst mass shooting in Australia since the Port Arthur massacre of 1996 where 35 people were killed and 23 were injured. Providentially, a bystander of Muslim background, 43-year-old Syrian fruit shop owner, Ahmed Al-Ahmed, happened on the scene. He tackled and disarmed one of the gunmen during the deadly massacre, preventing further carnage.  Ahmed was shot in the shoulder and arm while hiding behind a tree after confronting the gunman. Australia's Prime Minister Anthony Albanese is promising “tougher gun laws” in response. Actor Rob Reiner and wife allegedly killed by son Director and actor Rob Reiner and his wife Michele were found dead Sunday, apparent victims of foul play at their home in Los Angeles, reports The L.A. Times. Sadly, Rob Reiner was an atheist, as was his father, Carl Reiner — another famous movie director.   Rob Reiner will be best remembered in the political realm for his leftist views, especially in his opposition to California's Proposition 8, and efforts to introduce homosexual marriage to the state and the country. At last report, Rob and Michele's son Nick, age 32, has been taken into custody by the Los Angeles Police Department, charged with the murder of his parents. He has a long history of drug addiction. Exodus 21:15 speaks to this sort of crime, as do Jesus's words in Matthew 15:4: “And he who strikes his father or his mother shall surely be put to death.” Little Sisters of the Poor vs. Obamacare continues After 14 years, Little Sisters of the Poor, comprised of Roman Catholic nuns, continues to object to the Obamacare mandate to provide coverage for abortifacients for their organization.    Back on July 8, 2020, the Supreme Court ruled 7–2 in favor of the Little Sisters, upholding federal rules that exempted religious organizations from the contraceptive mandate. But now, Pennsylvania and New Jersey have refused to drop their efforts to take away the Little Sisters' protection in the lower courts. Last August, a rogue federal district court in Philadelphia ruled against the Little Sisters and vacated the religious exemption rules that had protected them.  The case is in appeal to the Third Circuit Court. Bill Clinton unresponsive to Congressional subpoena over Epstein GOP House Oversight Committee Chairman James Comer announced he will initiate contempt of Congress proceedings against Bill and Hillary Clinton. At issue is the Clintons' decision to ignore the committee's subpoenas issued back in August, in relation to investigations of the Jeffrey Epstein sex trafficking scandal. Epstein visited the White House 17 times in 1993 after Bill Clinton's inauguration. Artificial Intelligence: Time Magazine's “Person of the Year” Time Magazine's Person of the Year goes to Artificial Intelligence or rather, the architects of AI. Spending on Artificial Intelligence development has increased from $40 billion to $400 billion in just the last ten years.  Nvidia's stock has increased 60-fold, while Microsoft and Alphabet, Inc. have increased 7-fold over the same timeframe. Kirk Cameron advocates unbiblical theology of annihilationism Actor and Christian celebrity Kirk Cameron suggested in his recent podcast that hell is not forever — a departure from the long-held position of an eternal punishment for those who do not trust Christ, reports The Christian Post. CAMERON: “Eternal judgment or eternal punishment doesn't necessarily mean that we are being tormented and punished forever and ever, every moment for eternity. It means that the punishment we deserve is irreversible. It's permanent; it's eternal. You're dead. You've been destroyed. You have perished. You're gone, and you're never coming back.” This theological position is called annihilationism, a belief that all damned humans and fallen angels – including demons and Satan -- will be totally destroyed and their consciousness extinguished. CAMERON: “I actually think this is a really good argument for annihilationism. Just because the righteous go to eternal life, which is the gift of God, not that the wicked are granted an eternity of punishment. The punishment of the wicked is final. It is irreversible.” Rev. Al Mohler, President of Southern Baptist Theological Seminary in Louisville, Kentucky, called the admission “sad.” And in his words: “The admonition to confess Christ or risk non-existence just doesn't pass the New Testament test, and there is a good reason it doesn't work in a sermon either. The stakes are just too low, and the fires of hell hold no eternal consequence.” At the final judgment, as recorded in Matthew 25: 41-43, Jesus said to those on His left hand: “Depart from Me, you cursed, into the everlasting fire prepared for the devil and his angels: for I was hungry and you gave Me no food; I was thirsty and you gave Me no drink; I was a stranger and you did not take Me in, naked and you did not clothe Me, sick and in prison and you did not visit Me.' … And these will go away into everlasting punishment, but the righteous into eternal life.” Imprisoned fathers reunited with daughters at dance And finally, the “God Behind Bars” organization links local churches to prisons, and reunites families, especially children with their incarcerated parents or grandparents.   This Christmas season, the organization sponsored its first Father-Daughter Dance at the Angola Louisiana State Penitentiary.    Twenty-nine fathers were reunited with their daughters that night, many of whom had not seen their daughters for years — some over a decade. The ministry calls these events "moments of restoration … and the Gospel in motion." Close And that's The Worldview on this Tuesday, December 16th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

What if every dollar you're already spending in your business could pay for first-class flights, five-star hotels, and luxury travel experiences—without opening dozens of credit cards? In this episode of The Root of All Success, Jason Duncan sits down with Julia Menez, founder of Geo Breeze Travel, a former actuary turned travel strategist who teaches entrepreneurs and high-income professionals how to turn everyday spending into unforgettable travel experiences. Julia has been featured by CNN, The New York Times, Money Magazine, and Business Insider, and her work has inspired over 400,000 followers to travel smarter—not harder. In this conversation, we cover: ✈️ The biggest myths about points & miles that cost entrepreneurs real money

Get $10 Off at BRUNT with code: SALTY  at https://bruntworkwear.com/salty  #bruntpod In this episode of Pinch My Salt, we start by reflecting on what it felt like sitting down with 3x World Champion Tom Curren. Not a highlight reel interview, but a rare, quiet, sometimes uncomfortable conversation with one of surfing's most mysterious figures. We talk about why Tom is so hard to interview, his humility, his long pauses, and why being in the room with him feels completely different than talking to any other surf legend.From there, the episode opens up into classic Pinch My Salt territory — Christmas chaos, working at church during December, bizarre real-life encounters, and the strange contrast between everyday stress and the calm that surfing brings. We dive into surf and skate culture, Pinchy Clippies, Bam Margera sightings, skating debates, dog surfing, and why certain moments still feel magical in action sports.The conversation also drifts into surf philosophy, why surfing can feel psychedelic, how waves carry meaning, and why the soul of surfing matters more than clips, algorithms, or industry trends. It's part reflection, part comedy, part cultural therapy — the kind of episode that could only happen after talking to Tom Curren.#PinchMySalt #SurfPodcast #Surfing #SurfCulture #SkateCulture #TomCurren #SterlingSpencer #SurfComedy #ComedyPodcast #SurfTalk #CoreLord #SurfCommunity #ChurchLife #ChristmasChaos #HolidayPodcast #BamMargera #Skateboarding #WestPeak #SoftTop #TwinFin #Shapers #SurfHistory #Pensacola #GulfBreeze #YouTubePodcast #PodcastClips #FunnyPodcast #SurfingLife #SkaterOfTheYear #ChrisJoslin

Most entrepreneurs skip reflection altogether. They're busy, tired, and ready for a fresh start. But if you don't pause to reflect, you repeat the same mistakes. You carry old habits into a new season. You build goals on top of unclear patterns. Reflection is where leadership starts. It's where clarity lives. It's simple, but not easy. In this episode, Danielle walks you step-by-step through the Year-End Reflection Framework built into the Kickstart system. It's the tool that helps you understand what worked, what didn't, and where you can step more fully into your CEO role next year. Your Year-End Reflection Framework: At Kickstart, reflection is built into everything we do. It's part of the Kickstart Framework, the same system Danielle uses to run her own business every single year. Review Your Revenue Start with your total revenue for the year. Compare it to last year, then review month-by-month. Ask yourself: Which months were your strongest? What contributed to that success? Which sales/marketing efforts created reliable results? During slower months, what changed? Were you consistent or did you pivot too soon? Real growth happens when you stick with what works long enough to see the results. Reflect on Profit & Net Income Profit tells the truth about your business's health—not just what came in, but what stayed. Consider: Were profit margins healthy (10–15% after payroll)? What supported profitability this year? If profits decreased, what shifted? And remember: Profit doesn't matter if it costs you your energy, well-being, or sustainability. Examine Your Expenses Look at your total expenses year-over-year and month-by-month. Ask: What purchases supported your goals? Which investments truly helped you grow? Where did spending align—or misalign—with your intentions? Was spending driven by confidence, or by fear and FOMO? Spending isn't bad. It's information. It reveals your priorities, patterns, and beliefs. Also reflect on: What purchase made you most proud? What helped you step more fully into your CEO role? 4. Evaluate Your Cash on Hand Cash isn't everything… but it is stability and choice. Review: Cash this year vs. last year Cash month-by-month Whether changes align with the season you were in (growth vs. optimization) How many months of expenses you have saved (aim for 1–3 months) If you're not there yet, start small—even $50 a week builds momentum. Cash gives you freedom to make thoughtful, empowered decisions. 5. Look at Debt & Owner's Draws This is where clarity really clicks. Debt payments and owner's draws don't show on your P&L, but they dramatically impact cash. Ask yourself: Did I pay myself consistently? Does my compensation match my effort? Did I take on or pay off debt intentionally? Your goal is balance: Pay yourself. Manage debt. Build savings. All at once, sustainably.   Topics Discussed: (00:00) Intro: Why Year-End Reflection Matters & the Year-End Reflection Framework to Use (01:20) What Kickstart Clients Receive in Their Snapshot (01:53) Year-End Reflection Framework: Review Your Revenue (05:42) Year-End Reflection Framework: Reflect on Profit & Net Income (07:53) Year-End Reflection Framework: Examine Your Expenses & Spending Patterns (09:50) Promo Break: Kickstart's "Check Your Books" Service (11:02) Spending That Builds You as a CEO & Brings Joy (13:37) Why Cutting All Expenses Isn't the Answer (14:17) Year-End Reflection Framework: Evaluate Cash on Hand & Creating Stability as a CEO (18:30) Year-End Reflection Framework: Debt, Owner's Draws & Where All the Cash Really Went (20:34) Your Role as CEO: Consistency & Ownership (21:36) Outro: Like, Share and Subscribe!   Resources: Check Your Books | kickstartaccountinginc.com/checkyourbooks  CFO Services | https://kickstartaccountinginc.com/the-cfo-solution/   Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

This episode with Tim Rexius is summarized in 3 statements:Micro-influencers beat mega-celebrities. Custom AI agents beat manual processes. Early adapters beat late responders.Don't waste golden nuggets! Get ahead of the 97% with this episode - https://tinyurl.com/business-launch-with-ai***Know what Type of Business suits you first at https://quiz.franchisewithbob.com/rg - and COPY THE RIGHT BUSINESS FOR YOU!***WHO IS AXEL?  A business consultant. A real estate investor. A mentor. Avid Tesla fan & investor. AI in the Age of Abundance thought leader. His wife's gardener.

Amy talks to the host of ‘How to Money’ Joel Larsgaard talking about dollar stores and whether you get more when you spend more.See omnystudio.com/listener for privacy information.

Ep. 5514 of The Morning Show with Preston Scott covers a wide range of headline-making issues, including government spending without oversight, cultural flashpoints dominating Capitol Hill, de-banking by major financial institutions, executive orders versus lasting law, and the growing affordability crisis hitting American families. Preston also weighs broader political strategy, election-year priorities, and why many Americans feel Washington is failing to address kitchen-table concerns.In the third hour, Preston sits down with U.S. Congresswoman Kat Cammack of Florida's 3rd District for her final visit of the year. They dive deep into her USA Act to force accountability in federal spending, bipartisan resistance to reform, runaway debt, protecting women's spaces, codifying executive actions, and what Republicans must do now to keep their majority and restore fiscal discipline.Topics DiscussedThe USA Act and accountability in federal spendingCongressional resistance, earmarks, and the national debtCultural and legislative debates in CongressExecutive orders, de-banking, and codifying policyAffordability, infrastructure, and election-year prioritiesToday's guests include:Congresswoman Kat Cammack (R-FL-3)Follow the show on Twitter @TMSPrestonScott.Check out Preston's latest blog at wflafm.com/preston.

'Tis the season to talk about peace, love…and drama. We discuss the dynamics of spending the holidays with family when you're in a relationship, how to navigate the in-laws, what most couples are doing (and not doing), and our controversial opinion on spending every holiday with your partner. We also talk about family estrangement, our feelings on "Life is too short to fight with your family," and how to work through some of these hard situations. Then we share some of our listeners' hilarious/traumatic holiday experiences with partners' families that truly shocked us. And before we get into the topic, we're debating two polarizing shower behaviors, and Rayna has a big announcement! Enjoy!  Follow us on Instagram @girlsgottaeatpodcast, Ashley @ashhess, and Rayna @rayna.greenberg. Visit girlsgottaeat.com for more. Thank you to our partners this week: Aura Frames: Get $35 off the bestselling Carver Mat frame at https://auraframes.com with code GGE. Article: Head to https://article.com for a beautiful new sofa, dining table, or bed.  Skims: Shop our favorite pajamas at skims.com. Rocket Money: Cancel your unwanted subscriptions and reach your financial goals faster at https://rocketmoney.com/gge. Storyworth: Get $10 off or more at https://storyworth.com/gge. 

Fear is part of the game, but it does not get to decide your future.In this episode, Todd Toback shares five real fears he faced on his path from sending handwritten letters and using fax machines to building a multi-million-dollar wholesaling business. He talks about feeling unprepared, leaving a six-figure job, spending real money on marketing, hiring a team, and stepping into completely new asset classes. Each fear became a turning point that pushed him toward greater growth.If fear has been holding you back, this episode is your reminder that confidence comes after you take action, not before it.---------Show notes:(0:50) Beginning of today's episode(1:09) Todd sets up the 5 fears he had to overcome in real estate(1:42) Fear #1: Not having the right tools (handwritten letters, no CRM, no systems)(3:52) Taking imperfect action and closing his first deal without contracts or funding lined up(4:25) How one phone call led to a $40,000 payday(5:09) Fear #2: Quitting a high-paying job and stepping into the unknown(6:23) How surviving a market crash made Todd a stronger investor(7:33) Fear #3: Spending real money on marketing(8:32) Turning $7,500 in mailers into a $38,000 deal(9:55) Fear #4: Hiring people and building a team(11:20) Why not hiring is actually more dangerous than competition(12:34) Fear #5: Investing in new asset classes outside of single-family homes(13:50) Defining “no-brainer” deals to reduce risk and fear(15:07) Dan Sullivan's 4 Cs: Commitment, Courage, Competence, Confidence(18:01) Why confidence only comes after you jump----------Resources:Dan Sullivan – The 4 Cs FrameworkBook referenced: Multiple Streams of Income by Robert AllenTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

If you're nearing retirement and uneasy about the math, you're not alone. Don and Tom tackle the uncomfortable reality that most near-retirees haven't actually run the numbers—and many won't like what they see when they do. Drawing on Vanguard data and real-world client experience, they break down three practical ways to shrink a retirement gap: working longer (but not necessarily full-time), thoughtfully tapping home equity, and spending less before and during retirement. 0:06 Opening and the retirement gap problem 0:52 Podcast platforms, Apple vs Spotify, and Don's short-story empire 4:08 How TRM ranks among investing podcasts and why that still feels surreal 5:24 Vanguard data: only 40% of near-retirees are on track 6:51 Kids, money, and why retirement math gets uncomfortable fast 7:51 Strategy #1: Working longer (and why part-time can be powerful) 9:41 Purpose, boredom, and the underrated psychology of retirement 10:00 Strategy #2: Home equity as a retirement resource 11:12 Downsizing, renting, HELOCs, and reverse mortgage trade-offs 13:05 Strategy #3: Spending less—before and during retirement 14:29 Reverse mortgage costs, limits, and real-world implications 17:01 Social Security timing and when immediate annuities actually help 18:40 Inflation risk, fixed income streams, and practical trade-offs 19:02 Listener Q: AVGE vs DFAW and understanding underlying holdings 21:48 Listener Q: Aggressive Roth portfolios intended for heirs 25:30 Listener Q: Washington 529 plans and GET vs traditional 529s 27:32 Listener Q: Quantum computing (short answer: no) 28:59 Sector investing, AI hype, and why diversification wins Learn more about your ad choices. Visit megaphone.fm/adchoices

Respectful cheating?! In this wild new episode of The Pour Podcast, we tackle "The Game's" shocking take on cheating, relationships, and all things chaotic! We pod solo this week, unpacking the Michigan Coach Scandal, the art of "respectful cheating," societal double standards, and how power dynamics play into scandals. From hilarious debates to jaw-dropping truths, it's a deep dive into the messiest headlines and personal stories. Want exclusive content and more laughs? Join us on Patreon and subscribe for updates! Dive into the comments and let us know: Are you Team Respectful Cheating, Team Faithful, or Team Disrespectful Chaos? Don't miss the wild ride—hit subscribe and be part of The Pour Horsemen community! Follow the crew: @ThePourHorsemen @ShyThugg | @HardbodyKiotti | @Phi1TheDon | @LebronaldPalmer I @yo.dj.silk I @armourie.official Production Crew @TheJohnSims | @1Kharyy Shot at @TheHiveHouston Hurt At Work? Contact our partners at https://crockett.law for all of your legal needs. @bankonbriantx is ready to help. Join our Patreon for more exclusive content: https://www.patreon.com/thepourhorsemen By supporting us, you're not just a listener but a valued part of our community. Use our Code POUR at Bluechew.com for your discount. Follow The Pour Horsemen on Instagram @thepourhorsemen and email at thepourhorsemen@gmail.com. CHAPTERS: 00:00 - Intro 03:17 - Michigan Football Coach Scandal 17:29 - Women's Responsibility in Relationships 31:24 - The Game 35:45 - Spending on Christmas Gifts 39:40 - Worst Gift Experiences 49:20 - Personal Heroes and Influences 56:25 - Tips for Christmas Shopping 59:17 - Outro

Most school owners aren't losing money because of one major expense.They're losing money in the quiet places—the small operational habits, the unspoken “just this once” purchases, and the daily micro-decisions no one sees.These are money leaks—and they drain profit, capacity, and emotional bandwidth far more than leaders realize.In this episode, Chanie shares a short but powerful clip from HQ member Nikki, who took the Money Leaks Diagnostic and used one simple rhythm—not an overhaul—to cut her supply costs by 50% in 90 days.But the deeper transformation is even more important:She stopped carrying the financial stress alone.Her team stepped into real ownership.Her assistant director found confidence she hadn't trusted in herself for years.And the entire school strengthened its financial gear.This episode is a reminder that financial health is deeply connected to culture, leadership, and operational rhythms—not just spreadsheets.If you want a school that runs with more clarity, less reactivity, and stronger team buy-in, this conversation will open your eyes to what's possible.What You'll Learn in This EpisodeWhy most schools lose money through leaks, not large expensesHow simple rhythms—not complex systems—create predictable financial stabilityThe connection between financial health and team cultureHow to establish a supply baseline that restores clarity and reduces wasteWhy teachers and support staff play a role in every single gear, including financialsHow ownership develops when leaders stop holding everything aloneThe emotional relief that comes from shifting financial responsibility from “me” to “we”Key Insights for School Leaders1. Money leaks are leadership problems, not budgeting problems. They're symptoms of unclear rhythms, inconsistent expectations, and leaders carrying operational details alone.2. Stability is built through small, predictable systems. Not dramatic overhauls—just rhythms your team can trust and repeat.3. Every team member influences your financial gear. When teachers understand usage, they naturally make different decisions.4. Ownership grows when leaders step back. Nikki's story shows how powerful it is when a leader stops rescuing and starts equipping.Memorable Quotes“Most leaders don't need more money. They need fewer leaks.”“You don't fix financial stress by working harder—you fix it by installing a rhythm that everyone can follow.”“Every person in your building is part of every gear. Financial health is a team sport.”“Relief doesn't come from overhauling your school. It comes from sharing the weight.”Why This Matters for Your SchoolA school with constant money leaks will always feel behind—financially, emotionally, and operationally. When you strengthen this gear:✓ Your team takes more ownership✓ Your spending becomes predictable✓ Your systems stabilize✓ Your culture strengthens✓ Your leadership becomes lighterThis isn't about cutting corners.It's about aligning your people, your systems, and your rhythms so your school can breathe again.Take the Next StepIf you want to identify your biggest leaks and begin plugging them immediately:Take the Money Leaks Diagnostic schoolsofexcellence.com/moneyleaksThis diagnostic will show you exactly where money is slipping through the cracks — and give you a clear starting point for strengthening your school's financial

Roundup of the Week's Top Stories in Economics and FreedomBlack Friday Spending Surges 8% on DebtSkilled Worker Shortage hits 1 MillionJapan Nears Debt CrashFed Admits it Lost $1 Trillion$2.5 Trillion in Welfare — Most of it Fraud Read the full article "$2.5 Trillion in Welfare — Most of it Fraud" at https://www.profstonge.com/Visit our Sponsor: Monetary MetalsEarn 5% to 12% interest on your physical gold and silver, paid in physical gold and silver.Visit our Sponsor: CoinKiteProtect your Bitcoin with an Ultra-Secure Hardware WalletDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show

Global IT spending is projected to reach its highest level in 30 years, driven primarily by investments in artificial intelligence (AI) and cloud services. According to a report from the International Data Corporation, spending on hardware, software, and IT services is expected to rise by 14%, marking the fastest growth rate since 1996. However, the benefits of this spending surge are not being realized by Managed Service Providers (MSPs), as hyperscalers dominate the market by building extensive AI infrastructure and integrated platforms. This shift in control raises questions about the future value proposition for MSPs, who may find themselves increasingly marginalized.Small businesses are experiencing hiring challenges despite a reported increase in job growth plans. The National Federation of Independent Business Jobs report indicates that 33% of small business owners have unfilled job openings, with 19% planning to create new jobs in the next three months. However, 56% of these businesses attempted to hire in November, with half citing a lack of suitable candidates. Compounding this issue, federal statistical agencies are facing significant staffing and budget cuts, leading to a decline in the availability of reliable economic data. This erosion of data could hinder small businesses' ability to make informed hiring and investment decisions.In a notable leadership change, Jim Siders has been appointed CEO of Shield Technology Partners, an IT services platform focused on integrating AI with operational expertise. Siders aims to enhance service delivery through AI innovations, positioning Shield as a vital resource for businesses in sectors like construction and healthcare. This move reflects a broader trend of IT services being restructured as AI-driven platforms rather than traditional roll-ups, emphasizing the importance of operational discipline and clean data in leveraging AI effectively.The episode highlights a concerning trend in corporate spending on AI, where companies allocate 93% of their budgets to technology and only 7% to the people who will utilize it. This imbalance can lead to a decline in trust among employees and an increase in the use of unapproved AI tools, complicating compliance and operational efficiency. For MSPs and IT service leaders, the key takeaway is the necessity to shift focus from merely adopting technology to fostering a disciplined approach to AI integration, emphasizing governance, workflow redesign, and clear decision-making boundaries to ensure that clients can navigate the complexities of AI effectively. Four things to know today00:00 Global IT Spending Hits 30-Year High as AI and Cloud Investments Accelerate, IDC Reports05:24 Small Businesses Plan More Hiring but Still Can't Find Qualified Workers, NFIB Reports08:33 Shield Names Former Palantir CIO Jim Siders CEO as It Builds an AI-First IT Services Platform With OpenAI and Thrive11:19 Deloitte: Lopsided AI Spending, Declining Trust, and Shadow AI Signal a Growing Management Failure This is the Business of Tech.     Supported by:  https://saasalerts.com/mspradio/

Brian Coulton and Ed Parker discuss Fitch's Global Economic Outlook, reviewing where the world economy stands at the close of 2025 and key trends for 2026, from AI-driven investment and resilient U.S. equities to China's sharp investment slowdown.

Welcome to today's ICYMI, where we kick off the week with a quick game-changing tip from one of our guests that you might have missed. Spending can be hella stressful heading into the holiday season, and if you're struggling with debt or with setting up realistic financial goals for the coming year, this is a must-listen reminder for overcoming financial stress and toxic money patterns.A healthy money mindset is the missing ingredient for a lot of people's financial security. So we're throwing it back to this sustainable financial advice from finance coach Nicole Stanley on dealing with debt, setting realistic money goals, and her own journey to get debt-free. Nicole Stanley is the Founder & Head Financial Coach of Arise Financial Coaching. After battling crippling financial anxiety in her early twenties, Nicole enrolled in her first personal finance course and made changes to go from 30K in debt to building over a quarter-million in net worth for her family at age  27. Arise Financial Coaching has now served over 600 clients and has been featured in TIME, Yahoo Finance, & CNET.Listen to our full episode with Nicole here.Tune in every Monday for an expert dose of life advice in under 10 minutes.Follow Nicole:On Instagram: @arise.financial.coachingArise Financial Coaching Sign up for our monthly adulting newsletter:teachmehowtoadult.ca/newsletter Follow us on the ‘gram:@teachmehowtoadultmedia@gillian.bernerFollow on TikTok: @teachmehowtoadultSubscribe on YouTube

John Chang shares a solo market update from ICSC New York City, outlining what he's hearing from top researchers and brokers across the retail real estate world. He breaks down why uncertainty and slower job growth are stretching decision-making, while consumer debt headlines look less alarming when viewed against income levels, savings/money market balances, and delinquency trends. He also highlights tailwinds from millennials moving into prime earning/spending years and notes retail's leadership in the NCREIF total return index. Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Visit bestevercrypto.com today to get started and earn up to $2,500 in bonus crypto. Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Living in greener neighborhoods is linked to significantly fewer hospitalizations for mental illness, including depression, anxiety, psychosis, and dementia A global analysis of 11.4 million cases found that just a small increase in vegetation density reduced mental health hospital admissions by 7% Urban residents experienced the strongest benefits — cities with more parks and tree-lined streets saw 13% fewer psychiatric hospitalizations Researchers discovered that the ideal balance for mental well-being is when about half your surroundings are green; both too little and too much vegetation reduce benefits Spending at least 30 minutes a day in moderate greenery, walking outdoors, or adding plants to your home helps lower stress hormones, boost focus, and improve emotional resilience

“Spending time in hell is not my idea of something that one should do,” says poet Lorna Goodison, yet she immersed herself there for years to create her extraordinary modern Jamaican translation of Dante's Inferno. We are thrilled to offer this conversation between Pádraig and Lorna, recorded as an online component of the Greenbelt Festival in England in 2025. She reads from her work, and together, they discuss Lorna's inspiration for her underworld undertaking, how she found her Virgil, and why she calls The Inferno “bitter, necessary medicine for now.”   We invite you to subscribe to Pádraig's weekly Poetry Unbound Substack, read the Poetry Unbound books and his newest work, Kitchen Hymns, or listen to all our Poetry Unbound episodes.  Caribbean poet Lorna Goodison was born in Kingston, Jamaica. She was appointed Poet Laureate of Jamaica in 2017. In 2018, she received a Windham-Campbell Literature Prize, and in 2019 she was awarded the Queen's Gold Medal for Poetry.Find the transcript for this show at onbeing.org. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

My goal in this episode is for you to walk away knowing your ideal deep dopamine habits.  Those little things you do that make you feel fulfilled and happy and like you are making progress in the ways that you want to.    You know that feeling after you've been on your phone for 45 minutes scrolling or flipping through tabs and you look up and feel kind of empty? Like your brain is tired but you didn't actually do anything? That's cheap dopamine. It's the quick hit. The fast fix. The thing that feels good in the moment but leaves you drained and unfocused. Now imagine the opposite.    You go for a walk, lift weights, write something meaningful, finish a book, or work on something that's important to you. It's not flashy. It doesn't give you the instant rush. But it gives you something way better… calm, clarity, and long-term satisfaction. That's deep dopamine. And today we're talking all about how to stop chasing the quick hits and start training your brain to love the good stuff.     I could not do this without planning my weeks every Sunday… I physically couldn't! Here's the system I created & use & love!  To plan your days and your life with intention…  https://howtobeawesomeateverything.com/pages/2-0weeklyhabitsandplanningsystem   What Dopamine Really Is Dopamine is a neurotransmitter. It's often labeled as the pleasure chemical, but it's more about motivation and drive. It plays a key role in what gets your attention and what keeps you engaged. Every time your brain anticipates a reward, dopamine is involved. It's what makes you chase something, whether that's a cookie, a workout, a new follower, or a big goal. It's not the dopamine itself that's the problem. It's where you're getting it from and how often. If you constantly flood your brain with quick and easy sources of dopamine, you make it harder to get motivated for the slower, more meaningful things. Andrew Huberman explains it this way: dopamine is not about the pursuit of happiness, it is about the happiness of pursuit. He also teaches that dopamine is a currency. We are always spending it, and when we use it on things that require no effort, we get very little return. But when we invest it in things like a hard workout or a creative project, the return is stronger and lasts longer. He emphasizes that dopamine is what drives us to act, to seek, to pursue… it is not simply about feeling good. It's about staying in forward motion.   What Is Cheap Dopamine Cheap dopamine comes from fast, easy sources that take very little effort and offer very little reward long term. Some examples of cheap dopamine: Scrolling social media Watching endless TikToks or YouTube videos Snacking out of boredom Clicking for likes or notifications Gossiping or complaining Online shopping for things you don't need Checking your phone over and over without purpose These things feel good in the moment, but often leave you feeling worse later. It's like junk food for your brain… sweet, salty, addictive, and ultimately unfulfilling. Studies show that excessive exposure to short-form content or fast dopamine triggers can lead to decreased attention span, mental fatigue, emotional numbness, and a decreased ability to feel reward from slower, more meaningful tasks. Huberman also talks about dopamine stacking... when you stack multiple sources of cheap dopamine together, like scrolling while snacking while listening to background noise. This overstimulates the reward system and makes it harder for your brain to enjoy simple or quiet activities. You become desensitized, and what used to bring joy now feels flat. That's the cost of too much cheap dopamine.   What Is Deep Dopamine Deep dopamine is the kind of reward your brain gets from actions that require effort, presence, or skill. It builds over time and leads to a longer-lasting sense of fulfillment. Examples of deep dopamine: Strength training or physical exercise Reading a book Writing or creating something Deep, uninterrupted work Learning a new skill Spending intentional time with people you love Completing a long project Volunteering or contributing in a meaningful way These habits take more focus and often feel slower, but they leave you with a sense of momentum and pride. You don't crash after them. You build from them. When you choose deep dopamine, you're making a longer-term investment in your mental clarity, emotional resilience, and sense of purpose. You start feeling calm instead of anxious, proud instead of overstimulated, and you strengthen your ability to focus and follow through. Huberman explains that deep dopamine is often tied to effort. It's the system that rewards you after doing something hard, not something convenient. And that's what makes it powerful. The satisfaction comes from knowing you earned it.   Why This Matters The more often you go for quick, cheap dopamine, the more your brain becomes desensitized to it. Over time, you stop getting the same hit from a scroll or a like, and your baseline dopamine levels drop. It's harder to feel motivated. Harder to feel joy. Harder to stay focused. You might feel like you need constant stimulation to avoid feeling bored or anxious. But when you flip that script and start choosing deep dopamine more often, your brain rebalances. You regain your ability to enjoy slow progress. You stop needing quick distractions and start enjoying the quiet confidence that comes from doing things that matter to you. Research shows that daily engagement in physical activity, creative work, or focused learning helps restore natural dopamine cycles, improve mental clarity, reduce stress, and increase emotional stability. Huberman explains that one of the fastest ways to rebalance your dopamine system is to temporarily reduce cheap dopamine triggers and replace them with effort-based rewards... even small ones. The shift doesn't require massive lifestyle changes. It starts with awareness, then small swaps, and finally momentum.   How to Train Yourself to Choose Deep Dopamine Recognize the patterns. When you feel the urge to scroll, pause and ask yourself what you're looking for. Are you bored? Anxious? Trying to avoid something else? Replace, don't just remove. If you're going to stop scrolling, have something better ready. A walk. A good podcast. A book. A 10-minute workout. Make a plan ahead of time. Don't wait until you're tired and distracted to decide what matters. That's when the cheap dopamine wins. Give yourself permission to enjoy effort. Deep dopamine often comes with friction. It's not always fun in the beginning, but the payoff is real and lasting. Set up your environment to support better choices. Turn off notifications. Put your phone in another room. Put your workout clothes or journal somewhere visible. Celebrate your wins. When you choose deep dopamine over cheap dopamine, take a second to notice how it feels. Reinforce that feeling. Huberman reminds us that the brain changes based on what it's exposed to regularly. Choosing deep dopamine isn't about perfection. It's about consistently reminding your brain what fulfillment actually feels like. The world is full of cheap dopamine. It's built into our apps, our habits, and even our conversations. But you don't have to live in reaction mode. You can train your brain to want the things that give you long-term growth and peace instead of short-term distraction. Start by noticing. Then start swapping. Choose things that challenge you, ground you, stretch you, and make you proud. It won't always be easier in the moment, but it will always be more fulfilling. That's how you create a life that actually feels good to live... one deep dopamine choice at a time.