Podcasts about spending

With one tap, one swipe, or one click, you can buy almost anything instantly. Although  convenience feels normal, it's quietly changing how we relate to money.In this episode, I name something I see behind so much overspending, debt, and stalled savings. It's something I call frictionless spending, there's seldom a pause when we spend anymore because of how our money systems have become more convenient.Join in as I walk you through what frictionless spending actually is, how it fuels spending shame, and why so many people feel confused about where their money went even when they never considered themselves overspenders. I talk about how tools like credit cards, digital wallets, one-click ordering, and buy-now-pay-later remove the natural speed bumps that once provided us with spending pauses.In this episode, you'll learn how to add  intentional friction back into your spending so you can slow down, stay aware, and keep more money in your account.If you've ever felt frustrated by spending that seems to happen on autopilot, this episode will help you see what's really going on and how to interrupt the cycle without shame.Episode Highlights:[03:10] What frictionless spending actually means[06:55] How spending shame forms after the purchase[10:40] Why modern money tools remove natural pauses[14:25] The connection between frictionless spending and debt cycles[18:50] Why adding friction is not the same as restriction[22:30] Simple ways to slow spending without depriving yourself[27:10] How friction helps you save, pay off debt, and invest fasterTune into this episode of Money Files to learn how frictionless spending quietly drains your money, fuels shame, and how adding simple pauses can help you stay in control and build trust with yourself around money.Get full show notes and the episode transcript: https://wealthovernow.com/how-frictionless-spending-quietly-drains-your-bank-account/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending planMini ​Series ​​On The ​Four ​Reasons ​That ​You ​Are ​Stuck ​With ​Your ​FinancesJoin me Wednesday, February 25 at 12:00 PM ET to learn how to budget for the last time

European leaders and military chiefs make the case for increasing defence spending. A former head of the British military tells us investment is needed across the board, and that Europe is – and must be - able to defend itself without the US. Also in the programme: Israel's cabinet votes in favour of beginning a process of land registration in the West Bank, a move condemned by Palestinians as ‘de-facto annexation'; and a row breaks out over potential cheating in the curling - at the Winter Olympics.(IMAGE: Dutch Navy ship Johan de Witt heads to Arctic for NATO exercise, Den Helder, Netherlands - 16 Feb 2026/ CREDIT: Dingena Mol/EPA/Shutterstock)

NetSuite: Download the Demystifying AI Guide for FREE at https://netsuite.com/iced The League. Find someone in yours. Apply today. https://www.theleague.com/ Gusto: Try Gusto for FREE for 3 months at https://gusto.com/ICED ZocDoc: Check out Zocdoc and stop putting off those doctors appointments. Go to https://zocdoc.com/ICED to find and instantly book a top-rated doctor today. Follow @JasonTheWeenie Add us on Instagram: https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan Apply for The Index Membership: https://entertheindex.com/ Official Clips Channel: https://www.youtube.com/channel/UCeBQ24VfikOriqSdKtomh0w For sponsorships or business inquiries reach out to: tmatsradio@gmail.com For Podcast Inquiries, please DM @icedcoffeehour on Instagram! Timestamps: 00:00:00 - Intro 00:01:30 - Making money in college 00:05:51 - Why he stayed in school 00:08:06 - Parents accepting his streaming career 00:11:48 - Did he always believe he'd succeed? 00:16:02 - Sponsor - NetSuite 00:17:22 - Is streaming harder than a 9–5? 00:28:07 - Mental toll of streaming 00:31:00 - Sponsor - The League 00:32:22 - Streamers vs YouTubers income 00:37:21 - FaZe business and fallout 00:44:19 - Major income opportunities 00:48:28 - Island stream expectations 00:54:59 - Income breakdown and biggest day 00:58:37 - Sponsor - Gusto 01:00:10 - Sponsor - Zocdoc 01:01:21 - When he felt rich 01:17:59 - Investment breakdown 01:19:26 - Confidence, dating, and insecurity 01:28:10 - Rapid-fire questions 01:33:08 - Would he quit for $20M? 01:34:52 - Streamer tier list *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Hi Mamas, Download my free guide: ✨ ChatGPT Prompts Made Simple for Moms ✨ This week, we're continuing our mini money mindset series, and today's episode is all about awareness — not restriction, guilt, or perfection. If you've ever felt like money stress sneaks up on you… If you've ever opened your bank app and thought, “How did that happen?” If you've ever added things to cart when you were tired, overwhelmed, or just done… You are not alone. In this episode, we break down the quote: “You must gain control over your money or the lack of it will forever control you.” — Dave Ramsey And we talk about what that really means for busy working moms juggling careers, kids, and everything in between. In this episode, we cover: Why most overspending happens on autopilot How awareness creates control… without cutting joy Why money systems matter more than willpower The difference between being restrictive and being intentional

I dig into the Kentucky Auditor's report that found over $133 million in questionable spending by the Beshear administration. The report found issues with:

Things got completely unhinged on the Carton Show as Craig Carton and Chris McMonigle break down the biggest question in baseball…If Steve Cohen can spend like the Los Angeles Dodgers, why hasn't he WON like them with the New York Mets?

Things spiral FAST on the Carton Show as Craig Carton and Chris McMonigle bounce from serious Mets talk to absolute chaos.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Chris explains why foreign policy and government spending matter more than headlines about jobs or markets. From 9/11 and military spending to rising debt, inflation, taxes, and Social Security concerns, he breaks down how Washington's decisions directly affect your investments, purchasing power, and financial future.

SBS Finance Editor Ricardo Gonçalves speaks with Alex Pikoulas from Munjarra Capital about the day's market action including the latest profit results and the turn around in the tech sector; plus Anthony Walker from SP Global Ratings after the IMF warned Australian states to reign in spending.

SBS Finance Editor Ricardo Gonçalves speaks with Alex Pikoulas from Munjarra Capital about the day's market action including the latest profit results and the turn around in the tech sector; plus Anthony Walker from SP Global Ratings after the IMF warned Australian states to reign in spending.

Farm & Ranch Director Sarah Heinrich shares details on a a recent report: See omnystudio.com/listener for privacy information.

Episode 277-Three-Round Burst of GOFU’s Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode Transcript Page – 1 – of 11 Gun Lawyer — Episode 277 Transcript SUMMARY KEYWORDS GOFUs, New Jersey gun laws, vampire rule, sensitive places, unlawful possession, pretrial detention, federal injunction, carry permit, gun transport, Second Amendment, gun rights, legal advice, gun ownership, gun regulations, gun safety, gun culture. SPEAKERS Speaker 2, Evan Nappen, Teddy Nappen Evan Nappen 00:17 I’m Evan Nappen. Teddy Nappen 00:19 And I’m Teddy Nappen. Evan Nappen 00:21 And welcome to Gun Lawyer. So, you know our show here, one of the things that is very, very famous about our show are GOFUs. And GOFUs, as my listeners know, are Gun Owner Fuck Ups. The idea with GOFUs is these are real cases, actual things that happened. They are expensive lessons that people learn, and that you, the listener, get to learn for free. And of course, we always do the GOFU at the end of the show, whatever this week’s GOFU may be. But suddenly I’ve been pounded with GOFUs, and they’re very important. And I said, you know what? We’re going to do a three round burst here of some really important GOFUs, including what I want to begin with by telling you about this actual case. It illustrates just how insane New Jersey is and what every law-abiding gun owner could, in fact, face. Evan Nappen 01:32 Of course, I’m not using any names, but this is an actual situation that occurred. And some things, looking at the situation that the, and not just necessarily a mistake that the gun owner did, but something that hit me as extremely important for every New Jersey gun owner to make sure they do. There’s a very simple thing that is very important that could be critical between whether or not they hold you in jail or release you. We’re going to get to that from this story so you’ll learn this secret, so that you don’t end up in this GOFU situation. Spending days or weeks incarcerated for nothing, because that’s what the Gulag does, as you know. This is a case that wraps it all up into that. Evan Nappen 02:39 So, here’s this guy who comes into New Jersey, and he’s at a mall. Now, as you may know, the mall is not, in and of itself, a sensitive place, right? Those of us who have familiarized ourself, which hopefully all of you have, with these “sensitive places”. A mall is not, per se, a sensitive place. Now, there can be rules regarding malls where they say, hey, no guns in the mall. We don’t want guns, you know. And any Page – 2 – of 11 private property, whether open to the public or not, can have a prohibition privately saying we don’t want any guns here. In the same way they could say, we don’t want any dogs. We don’t want any bare feet. You know, things like that. The property owner has certain control. But if there is such a sign, if there is such a statement by a property owner, then if you come on to that property and they don’t want you on that property for a reason such as that. They can’t say, hey, we don’t allow minorities on our property. You know, they can’t. You can’t have racial discrimination in a place open to the public. But you can have other restrictions. Evan Nappen 04:07 Now, I happen to personally think that firearms should be viewed as a civil right and in the same category as discrimination, because it is a civil right. But that’s not currently how the law is. So, if a private entity prohibits gun, says no guns, then if you still go on that property and you’re specifically told to leave and don’t, then you’re what’s known as a defiant trespasser. So, what we’re talking about is trespassing, but trespassing is not a sensitive place violation. Sensitive place violations are specific gun law violations that create a certain place that becomes a prohibited area under the law to carry a gun, even if you have a permit to carry. So, this person is in the mall and apparently gets approached by mall security, who has allegedly dogs that can sniff gunpowder. Believe it or not, they’re out there. Apparently, he’s approached and they say, we think you have a gun. Please leave. And he does. No problem. He was asked to leave, and he leaves. Evan Nappen 05:30 After leaving, while in his car, driving, he gets stopped by police. More than even one because, oh, there’s a gun, right? Because, obviously, security called it in, I guess, at some point, and he was stopped. He is stopped for violating, in their minds, the sensitive place prohibition under Section 24 under Chapter 58 of the sensitive places. And what is that? What is that sensitive place that they believe he’s in violation of? Oh, New Jersey’s version of the vampire rule. The vampire rule is that you need permission before you go onto any private property. That is the issue that’s before the United States Supreme Court. The Hawaii, you know, the Woolford case in front of SCOTUS. We’re waiting for a decision. Evan Nappen 06:43 Now, Hawaii had the law just like New Jersey. The only difference is New Jersey’s vampire rule case saying that you can’t go on to private property, whether open to the public or not open to the public, you cannot go on any private property in New Jersey unless you first have permission to carry your gun there. In other words, they needed to have a sign, you know, that says we love guns. You know, basically, guns welcome. You know, guns permitted. Essentially, a sign. Or you got specific permission from the property owner before you enter the property. Hence the vampire rule. You know, as long as you don’t invite the vampire in to your place. That’s where that comes from. Evan Nappen 07:34 Well, New Jersey’s vampire rule, to impose this, you need permission first, before you can go on private property, even private property open to the public, has been found and was found unconstitutional in the Koons versus Platkin case. In Koons. And in that case, as you may recall, Judge Bump found it was unconstitutional and put an injunction on that section, saying it is unenforceable. It’s Page – 3 – of 11 unconstitutional. That any private property that is open to the public, you’re allowed to bring your gun on unless it’s otherwise a sensitive place. So, you know, if you want to go into a 7-11 with your carry gun, you can. It’s open to the public, even though it’s privately owned by 7-11. Now, if you want to go to a private residence, a private place that’s not open to the public, then you do need advanced permission for that. If you go into even your friend’s house, your friend needs to be able to say, yeah, you have permission to have your gun at my house. But not open to the public. Evan Nappen 09:00 So, the mall is open to the public. The mall is not a per se sensitive place. Yet, in this case, the basis for stopping and arresting this man or woman, I won’t even tell you what the sex is, the basis for the arrest is an alleged violation of the sensitive place section for which there is a federal injunction against enforcement. Then because somehow there’s this belief that if you are in violation of sensitive place, you’re also unlawfully carrying even though you have a carry permit, which makes absolutely no sense. There’s no logic to that. He’s charged with unlawful possession of a handgun without a carry permit, even though he has a carry permit. And, of course, with those gun charges, off to the Gulag you go. So, you are arrested, and you are put in jail. Evan Nappen 10:16 Now, the Gulag kicks in, where there’s 48 hours in which the prosecutor gets to decide whether to seek pretrial detention. It is solely within the discretion of the prosecutor. And if the prosecutor decides to seek pretrial detention, you’re going to be held for another five days before there’s a hearing when we can actually argue to get you out. And with the new law that was just signed by Murphy, they can get an additional five days to make sure that the gun is operable, to get an operability report, which is irrelevant to the charges anyway. So, by this arrest, you actually have the opportunity to be incarcerated basically for two weeks, guilty of nothing. Evan Nappen 11:08 What happened? Well, luckily, I got a call very quickly. When this person was in jail, loved ones got a hold of me. And this is on a Saturday, my friends, on a Saturday. Yeah. They do these on Saturday. They just hired me in time that I was able to get onto the court hearing 15 minutes before that first 48 hour time period, for that very first hearing where there’s no argument. The prosecutor either is going to say we’re seeking pretrial detention or not, but at least I could get on. And, lo and behold, I get on, and the prosecutor, big shock, is seeking pretrial detention, which means he’s going to be held or she is going to be held another five days or so, to have that hearing. It may be longer if they’re going to go for the operability nonsense, too. Teddy Nappen 12:11 Doesn’t Bergen County always seek pretrial detention? Evan Nappen 12:16 Well, it’s not just Bergen. And let me say this isn’t necessarily even Bergen, by the way, Teddy. But most counties have a policy of just automatically seeking pretrial detention on most gun cases. So, that’s not a big surprise. But what happens is, in this 48 hour period here, we still have the court appearance. But there’s nothing an attorney officially can do, because the prosecutor is given the sole Page – 4 – of 11 discretion. The prosecutor says, well, it’s gun charges with the Graves Act. Because, of course, the seriousness of the charge is second degree. You’re looking up to 10 years in State Prison. You’ve got a minimum mandatory three and a half years with no chance of parole. So, because of the seriousness of that offense and the Graves Act and it’s guns, we’re going to seek pretrial detention. Evan Nappen 13:13 And the court says, you know, Mr. Nappen, do you have anything that you want to add? And I say, and here’s exactly what I did them. I said, look, I understand how much discretion the prosecutor has here. Normally, we just have to wait until the hearing in order to argue. But I have to say, and I make it clear here. I say, look, my client not only had a permit to carry and why the state can’t access it, you know, they took his wallet and he can’t get to his wallet. And for whatever reason, there’s some glitch in them trying to get it out of the State Police. I don’t know why, but the very basis for his arrest was for a law for which there is an injunction, a federal injunction, that’s been upheld even by the Appeals Court. So, you have law enforcement violating a federal court injunction and charging and utilizing a statute that is enjoined from being enforced. Evan Nappen 14:19 So, in complete violation of that injunction, I make it clear that that is what is going on here with someone who has a permit, who has the lowest scores on the PSA of a one, one, that’s the lowest you can get. The PSAs are your flight risk and danger risk that they calculate into whether you’re to be released. Now they’re looking to hold them for another five to 10 days to even try to get them argued out. And at that point, the court officer actually says, well, counselor, there’s no argument here at this level. You’ll have to argue, you know, at the hearing when it gets scheduled. And I said, look, I’m not arguing anything. I said, do you know what I’m doing? I’m putting the State on notice as to the civil rights violation taking place on my client. At which time, the prosecutor says, look, we haven’t even had a chance to talk, and I said, no, we haven’t. I just got hired and got on here 15 minutes ago. Well, let’s talk. I said, okay. Evan Nappen 15:24 We had a private conference, and when we came back, I’m happy to say that the prosecutor withdrew their motion for pretrial detention. My client got out of jail that day, and now we will fight these charges. I’m extremely confident in how that fight is going to go as well. So, folks, what are the takeaways? Look at the risk you’re running. Look at the utter and complete failure of the Attorney General of New Jersey to inform law enforcement as to the changes in the law by these court actions. Why are the police charging an offense which has been enjoined? Police should know better, but I’ll tell you what else. The Attorney General should be instructing, the way they’ve done so many other times on so many other things, to all law enforcement, explaining how that sensitive place has been enjoined. And how on public property, it is not a sensitive place where you need prior permission under the vampire rule. This hasn’t been done. So, you have what is essentially a false arrest taking place. Evan Nappen 17:06 You have a system designed to incarcerate gun owners. It is outrageous, and you need to know that this what you’re up against. So, what do you need to do to protect yourself? Where’s the GOFU aspect? Well, let me tell you something that would be really important. Here’s what everybody should Page – 5 – of 11 do. Make sure your carry permit, make sure your gun licenses, are also, copies are given to your loved ones. People you can count on. Because if you get incarcerated and your wife or your parents or your brother is calling me and if they can get me copies of your carry permit or gun license that you otherwise can’t access, I can get that to the prosecutor. There doesn’t have to be a dependency for somehow getting it out of the State Police in time. Or finding it in some wallet that’s been confiscated and held in evidence in some other place, in some other room, somewhere else. That can be of great assistance, immediate assistance, in addressing your arrest and avoiding further gulaging of you. So, make sure. The takeaway is to make sure that folks that care about you, that would be the people you would go to if you had a problem, that they can provide and have access to copies of your gun licenses. That would be incredibly important. The other thing is make sure you have an attorney that you can get a hold of right away. An attorney that can come to your aid, argue, to get you out on a Saturday where time is of the essence. Those are the takeaways that are critical from this experience. Evan Nappen 19:08 Let me tell you, the GOFU has taken on a life of its own, and I’m glad about it. I have here a listener who sent a GOFU that they wanted to make our other listeners aware of, and I appreciate that. They asked that I not use a name, but here’s the GOFU letter. It says, I have a GOFU for you. It’s important for people to know to do this, so please share it on your show. This past fall, I planned a trip to Western New York to visit my family. I have a New Jersey PTC, also a PA PTC. I really like to have my gun along on trips with the highway driving. So, I asked a few guys at the shooting range what I should do with the gun when I got to New York state line. They told me to stop at a rest stop before I enter the state, put the unloaded gun in a car safe, and I should be good. That’s what I did. When I reached my destination, I told my family I had brought it, since they like guns, and they absolutely freaked out. They told me, the police would arrest me. It was illegal to bring a gun into a destination in New York. I better bring it in the house and keep it hidden. And hide it really well on the drive back. They really got me worried. So worried, in fact, I couldn’t get to sleep. So, I checked New York gun laws, and sure enough, she was correct. I was scared and felt terrible. I was incriminating my family members. Needless to say, the gun and the safe box and its cable were very hidden on the way back. I was careful not to break any speed limits. You can sum it up this way, but my takeaway is you have to do your own research before you take your gun out of state. Otherwise, you might end up in jail, and I’m very thankful that I didn’t. Evan Nappen 20:50 This is very true. State lines mean something. Now, here’s where the GOFU was. The GOFU was not following Title, 18, 926A thoroughly. That’s the federal preemption that lets you transport interstate. You have to be going from one place where you lawfully can possess and carry to another place. Your end destination has to be a place where you can lawfully possess and carry. Since New York does not recognize New Jersey’s permit or Pennsylvania’s permit, and unless you have a New York non-resident permit, that will not cover you. So, bringing your cased and unloaded gun into New York, now you’re possessing a handgun in New York, and you don’t have the protection of federal preemption. That’s the problem. Page – 6 – of 11 Evan Nappen 21:42 And it is a GOFU. This person is absolutely right. Make sure you know the laws. Make sure you clear it with counsel, so that you do not end up a GOFU. Because if that person had been stopped in New York with that handgun while in New York, they would face dire consequences. So, know the gun laws. Know the state laws. Do your research. Best bet? Well, you can always ask me, that’s one thing you want to do. Get my book, New Jersey Gun Law. I’ll shamelessly plug my book right now, because right in my book is a chapter on how to properly interstate transport, right in there on transportation of guns. What you need to know. Go to EvanNappen.com and get your copy of my book, New Jersey Gun Law. It’s the bible of New Jersey gun law. That’s the kind of stuff you need. That’s the kind of information you must have. That’s what you need to do. You cannot take these things lightly, because the consequences can be dire, and we see it. So, I appreciate this GOFU. I appreciate it being pointed out. These are real people experiencing the horrors of gun laws that are designed to ruin people’s lives and to turn law-abiding citizens into criminals. To oppress our Second Amendment rights. That’s all these laws do. You’ve got to protect yourself, folks. Learn from these tips and learn from these cases so you don’t become the next GOFU. Evan Nappen 23:16 Hey, let me tell you about our friends at WeShoot. WeShoot is an range indoor range in Lakewood, New Jersey. The range where Teddy and I both shoot. We love WeShoot. Great training. Great range facilities. Great pro shop, and a great bunch of folks. This week they’re running some great specials. They have the Chiappa Rhino 60DS, which is a futuristic revolver with its low bore access design. It’s kind of cool. It delivers, you know, reduced recoil because of that and fast follow up shots. They’ve got a Mossberg Gold Reserve Sporting shotgun. It’s an over and under, built for clay and field. It has engraving, premium walnut, and it’s competition ready. It’s a beautiful gun. Check out the Mossberg Gold Reserve Sporting. They also have a Springfield Prodigy Comp gun, comp gun. A modern double-stack 1911-style performer. It has an integrated compensator, and it’s optics ready. It has serious speed for duty or competition. Check out that Springfield. And you can also check out Sarah Sablom. She is on the hunt for a perfect carry gun. You can check out one of these WeShoot girls there. Go to weshootusa.com for their great website with amazing photography. They’re running great deals. They look forward to helping you and making you part of the WeShoot family. Go to weshootusa.com. Evan Nappen 25:05 Let me also mention our friends at The Association of New Jersey Rifle & Pistol Clubs, who just recently, through my friend and colleague, Dan Schmutter, argued in the Coons case at the Appellate level. And we’re looking good. I’m cautiously optimistic. And that’s your Association at work in the courts, fighting the Carry Killer bill. They’re also fighting the assault firearm ban and the large capacity magazine ban. You need to be a member. Go to anjrpc.org. Make sure you belong to your state Association. They are the gun rights defenders for New Jersey. You’ll get a great emails of what’s going on. You’ll get the alerts. You’ll know that you’re part of the solution and helping to fight the gun rights oppressors in New Jersey. Go to anjrpc.org and join today. Teddy, what do you have for us today in Press Checks? Page – 7 – of 11 Teddy Nappen 26:08 Well, as you know, Press Checks are always free, and this is something I want people to understand. We cannot take our foot off the gas when it comes to fighting the good fight for our rights. Because, look, we have had a lot of great victories when it comes to Second Amendment, to the conservative movement, and to getting the word out there, thanks to Alternative tech. But the Left are slowly trying to crawl back their power. What do I mean by that? Well, our friends at Bearing Arms did an article. Cam Edwards says, NBC decided to give a platform to the anti-gun activists. (https://bearingarms.com/camedwards/2026/02/10/nbcs-today-show-gives-anti-2a-activist-platform-for-propaganda-n1231508) Oh, gee, what a shocker! Teddy Nappen 26:59 It was Nicole Hockley out of the Sandy Hook Promise. You know, another one of Bloomberg’s groups who called in to demonetize online influencers in the 2A space. You know, someone like you and I, Dad. You know, people like a Brandon Herrera or Grantham, Mr. Gunzing. You know, any individual who is a pro-gun influencer they want to demonetize. That’s their call to action. I love the framework that she abuses in this. Sandy Hook and the group called Untargeting Kids, a call for platform transparency, putting parents back in charge of firearm safety. You know, whenever I hear the Democrats try to say, we need to stand on parents rights, it’s always comes down to oh, when it comes to firearm safety. But, you know, when it is hardcore pornography being offered to children, oh, that’s fine. Or, you know, a drag queen story hour. Oh, that’s fine. But oh no, when it comes to firearms, we need to give it back to the parents. So, they were trying to, yeah, they were trying to run this experiment, testing YouTube accounts mimicking a nine to 14 year old. Evan Nappen 28:21 Wait. Are you telling me that the Left are hypocrites? Teddy Nappen 28:26 Oh, well, as the saying goes. Evan Nappen 28:28 I don’t know about that. Teddy Nappen 28:30 As the saying goes, they only have double standards, or they would not have any standards at all. Evan Nappen 28:37 Exactly. Teddy Nappen 28:39 That’s how it always is with them. Whenever you see the term parental rights, you can see in the very corner, TM. It’s their version. Not when it comes to gender ideology, not when it comes to abortion, not when it comes to any other thing, but parents rights, TM. That’s their abuse of the language. Did you ever hear the word Democracy, TM. Or Second Amendment, TM. That is their version. Not what we know to be fact and truth. It’s their version. But anyways. So, they ran this experiment, which, you Page – 8 – of 11 know, these experiments can easily be debunked just by the abuse of algorithms. But whatever. We will say, for the sake of argument, we will say this data is true. So, they ran this experiment, and then 14 year old received 1300 firearm-related video recommendations after watching video games and movies that included firearm content. So, you know, a kid watches a bunch of Let’s Plays on Call of Duty, and then all a sudden, he gets a breakdown of an unboxing of a ACOG scope or something stupid. It’s one of those where they’re trying to make this argument, this very weak argument, on saying, oh, these videos are being monetized to target advertising, targeting our children. So, if a kid is interested in firearms, what is the problem with that? Why? He gets bombarded with tons of movies on all forms of graphic violence that goes into that. Then all of a sudden, it comes up with ad on any other influencer regarding firearm breakdown, because that’s the goal. They want you to get engagement. That’s it. And then I love this one. 54% of boys from 10 to 17 report sexually charged firearm content. Now, they do not define what sexually charged firearm content is. Evan Nappen 30:40 What is sexually charged firearm content? What is that? Teddy Nappen 30:43 It’s called we made it up! Because they love to just define terms. Evan Nappen 30:52 They just threw sex with guns, and don’t define it. Teddy Nappen 30:55 Correct. It’s just, and by the way, they don’t list any of the materials that was reviewed by the bots. Evan Nappen 31:02 Wait, it sounds like ammosexuality. Teddy Nappen 31:05 I know. Yeah, it is the hopalosexual all over again. Evan Nappen 31:10 What is that? That’s really interesting. Teddy Nappen 31:12 Yeah, and they don’t list any of the video game content that was reviewed. It doesn’t list any of the movies reviewed or the TV shows. Oh, because they don’t want to show the sexually graphic material that is pushed by the Left. You know, that’s why, you know, ask them. Evan Nappen 31:28 They should list it. They should list all that so that we could carefully review it, Teddy. Teddy Nappen 31:32 Well, unfortunately. Page – 9 – of 11 Evan Nappen 31:34 All these sexual . . . Teddy Nappen 31:37 I know, right? I love, and then she goes on where they’re forming the sense of self-identity that the get, that getting, they’re getting content that is talking about firearms makes you powerful. Firearms makes you sexually attractive. Firearms are the way to solve your conflict. Firearms are used to solve very certain conflicts. You know, when defending yourself against a rapist or a pedophile. You know, in certain situations, it’s a very good solution. It’s not a magic wand, but it solves certain issues. But there’s more. They like to always equate, like, oh, why do you need a gun? Because your penis is small? Like, it’s one of the small ones. Like, it’s that. They always do that. We’re like, what does that have to do with the aspect of your rights to defend yourself? Like that is the goal that they always try to play. And then she goes off on this whole thing of, we need to demonetize this. We need to review this content and look at the algorithms of YouTube transparency on firearms. And there must be. We need to sense. It goes. This long-winded conversation is just, we need to have time to deletion for videos for unsafe handling of firearms. What’s unsafe? Oh, there’s a firearm in the video. It’s just that. It’s just we need it. That censorship is not our goal, though. Yes, it is. Evan Nappen 33:06 I’ll tell you what. Here’s where I’ll take them up on it. Before any movie or TV show where a gun is improperly handled, you know, shows produced by all these major media producers, just have a warning. Just the way they warn about profanity, and they warn about smoking. Put a warning that says “unsafe firearm use is in this movie”. Unsafe firearm use. Do you know how many times we’ll see that? Because the Left media is the largest actual demonstrator of unsafe and unlawful use of firearms. It’s not conservatives. It’s the opposite. And so, let’s see those warnings. That way people suddenly say, wow, look how many times firearms are abused, used improperly and used illegally in the movies? I mean, if you can warn about smoking, you should be able to warn about that. Just put it. Don’t, don’t, don’t suppress it. Don’t try to have prior restraint or ban it, the showing of any of these movies. Just put the warning up front, and let people see just what’s being promoted by Hollyweird. Teddy Nappen 34:33 Well, and also, Hollyweird promotes all the sexual deviancies, where they push it on children. Where you have, you know, children have access to now hardcore pornography all across the internet, thanks to YouTube. Thanks to social media. Like, the level of it’s so disingenuous. Making this argument that we need to protect our children. Except when it comes to the LGBTQAI+ in schools, when it comes to all the other things that they want to sexually groom children. But, oh, firearm content, that’s the issue. When you get down to it, this is what they want. They want the 2019, they want the Biden Administration censorship. Where, right here, out of the House Judiciary Committee where the chairman approves and shows, oh, Google was pressured by the Biden administration to censor Americans. (https://www.pbs.org/newshour/politics/zuckerberg-says-the-white-house-pressured-facebook-to-censor-some-covid-19-content-during-the-pandemic) Page – 10 – of 11 Evan Nappen 35:30 That’s right. This is a really good point. They went after our First Amendment rights, just like the Second Amendment, and we lived through a period of Government censorship attempts that, when you look back, it was, it’s absolutely disgusting, what they pulled and what they were able to accomplish, even in achieving it, Teddy. It’s just insane. You would never think that could happen in America, because originally, the Left was for free speech. The Free Speech Movement was the Left, and now that’s no longer the case. They want the opposite. They don’t want free speech. Oh, hell no. But it used to be part of what true liberals, not today’s progressive, totalitarian liberals want, so-called. No, the classic liberal was absolute free speech, true, and they’ve abandoned that. They’ve abandoned it. Teddy Nappen 36:41 Well, it comes back to the idea of what the Left always does. They have no moral framework. The idea of, oh, what feels good? What is the cultural shift? What is the shifting ideology currently? Where you now have these massive purity tests on the Left, and that’s why they’re in a shooting war against each other as to who controls the party. But to even highlight this fact, Mark Zuckerberg said and admitted to the White House, yeah, I was pressured by the White House to censor people during Covid, over Covid 19 content. Doctors admitting all the false information that was out there. Bring that up. Completely censored off of Facebook, off of YouTube, all these platforms. X. You remember, you remember the Twitter files. Musk is releasing them weekly, showing the insidious combination of Government and censorship on the public square. This is what the Left wants. They are so upset that they have lost their ministry of truth. You remember that push? Evan Nappen 37:51 And they want to, right, and they want to use the same techniques to oppress the Second Amendment. It’s all part of the game plan. Teddy Nappen 38:02 Yeah. Evan Nappen 38:03 Well, Teddy, I appreciate you pointing this out, and I’m sure our listeners do as well. Let me tell you, we had a three round burst for GOFUs, and we only got two of the rounds out. Let me end here with the GOFU number three. And again, we saw this in action. These are actual cases, actual realities. I had a fellow client give me a call and say, hey, they were in court and they didn’t have counsel. Their guns were taken in an allegation of a so-called domestic violence, in which everything got dismissed. But there was an outstanding criminal charge that’s unfounded and going to the court. The so-called victim does not want to proceed. Does not want to proceed. So, what does the prosecutor do? The prosecutor tells this person, look, we’re going to downgrade this to a noise ordinance. Okay? So, it’s no longer in the category of domestic violence. If it stayed in that DV category, it makes you the equivalent of a convicted felon under federal law, and you’re banned from guns. The prosecutor said this way, with it as a noise ordinance, you’re fine. You’ll be perfectly fine. This will not affect your gun rights. Page – 11 – of 11 Evan Nappen 39:52 Now, this is a person who doesn’t have a lawyer. Who’s listening to the prosecutor, who is telling them they can plead this down to an ordinance. When the State’s key witness does not want to proceed and knows that the allegations that were made were not true and knows that it needs to be dropped. So, normally, the thing is, dismiss it straight out, because the complainant, the complaining witness, is not going to be real good for your case here. Okay? We all kind of see that, and it needs to go. But instead, the prosecutor is trying to convince this person to take this ordinance and pay a fine, get an ordinance hit, and saying that it won’t affect their gun rights. Evan Nappen 41:02 Here’s the deal, folks. It does affect your gun rights. You see, when a prosecutor says it doesn’t affect gun rights, that prosecutor is not representing you. They’re representing the State. They’re representing the Government. And if you don’t have counsel to explain to you the actual ramifications and you try to believe this, you know, however well intentioned it may have been, they failed to mention here that, yeah, it’s not a per se disqualifier, meaning, like being a convicted felon or having a conviction for domestic violence, sure, where you’re just out of the box. You’re done. But the reality in New Jersey is that if you plead to even this dopey ordinance for noise, you now have a conviction for an ordinance that started out as a domestic violence charge. Then when you try to apply to get a new pistol purchase permit or renew your carry permit or do a change of address on your Firearm’s ID Card, they go, oh, public health, safety, and welfare. That’s what they’re going to use to deny your application. Public health, safety, and welfare. Based on character, temperament. You know, I call that disqualifier the all-inclusive miscellaneous weasel clause, because that’s where the abuse of discretion comes in. And if you were to fall for this, oh, plead to the ordinance, it won’t affect your gun rights. Wait and see. Because now that comes up on your record and it links to the original charges, those police reports and all. And you ended up taking a plea, which has this appearance that you were guilty of something, and that’s why you pled. It sure as hell can affect your gun rights. So, friends, the takeaway is this. The GOFU is when you’re dealing on any criminal charge, make sure you have counsel that understands the gun laws and don’t try to rely on what a prosecutor may be telling you about how your rights will or won’t be affected. Evan Nappen 43:20 This is Evan Nappen and Teddy Nappen reminding you that gun laws don’t protect honest citizens from criminals. They protect criminals from honest citizens. Speaker 2 43:30 Gun Lawyer is a CounterThink Media production. The music used in this broadcast was managed by Cosmo Music, New York, New York. Reach us by emailing Evan@gun.lawyer. The information and opinions in this broadcast do not constitute legal advice. Consult a licensed attorney in your state. Downloadable PDF TranscriptGun Lawyer S5 E277_Transcript About The HostEvan Nappen, Esq.Known as “America's Gun Lawyer,” Evan Nappen is above all a tireless defender of justice. Author of eight bestselling books and countless articles on firearms, knives, and weapons history and the law, a certified Firearms Instructor, and avid weapons collector and historian with a vast collection that spans almost five decades — it's no wonder he's become the trusted, go-to expert for local, industry and national media outlets. Regularly called on by radio, television and online news media for his commentary and expertise on breaking news Evan has appeared countless shows including Fox News – Judge Jeanine, CNN – Lou Dobbs, Court TV, Real Talk on WOR, It's Your Call with Lyn Doyle, Tom Gresham's Gun Talk, and Cam & Company/NRA News. As a creative arts consultant, he also lends his weapons law and historical expertise to an elite, discerning cadre of movie and television producers and directors, and novelists. He also provides expert testimony and consultations for defense attorneys across America. Email Evan Your Comments and Questions  talkback@gun.lawyer Join Evan's InnerCircleHere's your chance to join an elite group of the Savviest gun and knife owners in America.  Membership is totally FREE and Strictly CONFIDENTIAL.  Just enter your email to start receiving insider news, tips, and other valuable membership benefits.   Email (required) *First Name *Select list(s) to subscribe toInnerCircle Membership Yes, I would like to receive emails from Gun Lawyer Podcast. (You can unsubscribe anytime)Constant Contact Use. Please leave this field blank.var ajaxurl = "https://gun.lawyer/wp-admin/admin-ajax.php";

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 1964: Steve Chou debunks the myth of relentless hustle by revealing his own "lazy" approach to launching a thriving online business. Through personal stories and practical mindset shifts, like spending money to create commitment and ignoring fancy equipment, he shows how progress is possible even without motivation, goals, or perfection. Read along with the original article(s) here: https://mywifequitherjob.com/the-lazy-mans-guide-to-starting-a-successful-online-business/ Quotes to ponder: "Most of the successful people I know aren't superheroes. They are just regular people who have made the simple choice to get up off their butts and start something without regard to failure." "Equipment doesn't matter. You and your content matter. You don't need anything else." "You might be shaking your heads that $200 isn't a lot of money but that's not the point. Spending money can do profound things to your psyche and often times this is how I get myself off my butt."

The Deal You Never Knew Existed. Subscribe to our Newsletter: https://theultimatepartner.com/ebook-subscribe/ Check Out UPX: https://theultimatepartner.com/experience/ In this deep dive, Jay McBain reveals the harsh reality of the “28 Moments” in a modern B2B buying journey, using a multi-million dollar SAP deal at AstraZeneca as a wake-up call for vendors. He explains how traditional marketing leads are failing in the “decade of the ecosystem,” where trusted partners like NTT and SoftwareOne are winning deals in “light blue” partnership moments months before a customer ever downloads an ebook. If you aren’t visible in the seven-layer stack or collaborating with the partners who hold the customer’s trust, you aren’t just losing the deal—you're losing the entire market. https://youtu.be/NO-P6X2dTAo?si=8e_sVesqvwaC0M-E Key Takeaways Most vendors lose major deals without ever knowing a transaction was even taking place. The average considered purchase involves 28 distinct moments of research and influence before a sale. Trusted partners often close the deal in the “middle moments” months before the money is actually spent. Traditional marketing leads (MQLs) are often too “flimsy” compared to deep partner-led relationships. Winning in the ecosystem requires being part of a “seven-layer stack” of integrated technology and services. Data-sharing platforms like Crossbeam and Workspan are now essential to seeing the “invisible” pipeline. If you're ready to lead through change, elevate your business, and achieve extraordinary outcomes through the power of partnership—this is your community. At Ultimate Partner® we want leaders like you to join us in the Ultimate Partner Experience – where transformation begins. Key Tags: 28 Moments, Jay McBain, Ecosystem Strategy, AstraZeneca SAP Deal, Seven Layer Stack, B2B Buying Journey, Partner Ecosystem, NTT, SoftwareOne, Channel Strategy, Buyer Intent, Informa TechTarget, Collaborative Selling, Crossbeam, Partner Tap, Workspan, Marketplace Tracking, Co-selling, Tech Integration, Revenue Architecture, Pipeline Growth, Trusted Advisor, Digital Transformation, SAP Optimization, Microsoft AWS Competition. Transcript: [00:00:00] Jay McBain: So if you’re a vendor trying to get into that seven layer stack and you don’t have that relationship, or you don’t have the knowledge that NTT or software one is going in, this will have been a deal that would’ve never hit your pipeline and you’ll have no knowledge. So you will have lost this deal without knowing there was a deal. [00:00:19] Vince Menzione: We’ve been talking 28 moments, but you have a slide. I thought we’d spend some time here because, you know, every conversation with you is about 28 moments, but you finally took the time to analyze one of your deals or one of the deals that was going on with one of your clients and come up with the 28 moments. [00:00:36] Vince Menzione: I thought we’d spend a little time here because this journey slide is a wake up call. Uh, it’s, it’s, it’s all around. Why, why we need to think about all of those. Points we need to think about communities and analysts and marketplaces and proof of concepts and architecture and everything else. I thought maybe you’d take us through this a little bit. [00:00:53] Vince Menzione: ’cause this was for a client, AstraZeneca, by the way. This was, uh, if you don’t know this, ICI Americas was the precursor of mm-hmm. AstraZeneca. It was the first SAP customer in North America. [00:01:03] Jay McBain: Nice. I did [00:01:04] Vince Menzione: not know that. That’s why Microsoft and SAP both headquartered. In that area, near nearby, that client. [00:01:10] Vince Menzione: That’s, uh, news, new news. [00:01:11] Jay McBain: And by the way, this is an SAP deal we’re looking at. Yeah. Uh, so two things here. One is that, um, while I was declaring the decade of the ecosystem, you know, spending time with you and Boca, in between that time we got acquired. Canals, which was Latin for channel, got acquired by oia, part of Informa TechTarget, part of this bigger informa company, which is a Fortune 100 company outta the uk. [00:01:32] Jay McBain: Fantastic. You know, we’re part of this massive organization that is really around buyer intent. How, you know, a tech target and, uh, running hundreds of magazines like Information Week and Computer Week that customers and partners read running hundreds of events, the biggest events on the planet. [00:01:49] Vince Menzione: Crazy [00:01:49] Jay McBain: in B2B, like Black Hat and all these things are run by [00:01:52] Vince Menzione: Yeah, [00:01:53] Jay McBain: informa. [00:01:53] Jay McBain: So it’s got this massive mountain of data. About the 28 moments. So when you start to think if you’re a CMO and you start to think about the early moments, you, you think about somebody reading an ebook or, um, going to a, a webinar or going onto a LinkedIn live just like this one. Yeah, going to a major event and getting a pair of socks from you. [00:02:13] Jay McBain: Um, but anything early in the journey. These are the m qls. These are the things that I need enough of them to be credible before I hand them over to my sales team. ’cause I don’t wanna be laughed out of the room. Hey, they read an ebook. They must, AstraZeneca must be buying millions of dollars of stuff. [00:02:27] Vince Menzione: Traditional marketing lead. [00:02:29] Jay McBain: Traditional marketing lead. So they’re a bit nervous about sharing that. And then later on, the sales motions, the demos and all the progression of the sales. This was the two decades before us, the decade of sales, decade of marketing. But the 28 moments, just to take a step back, if you haven’t heard, it is just a considered purchase. [00:02:46] Jay McBain: It’s about psychology, human psychology. When you go and buy a car, second most expensive thing that you will purchase you on average will go through 28 moments getting ready for that purchase. Some people go through two moments and they just drive to the Cadillac dealership to see Larry, who’s been selling Cadillacs to the family for 80 years. [00:03:04] Jay McBain: Yep. Some people spend 58 moments. That’s probably me. [00:03:07] Vince Menzione: That’s you, a, [00:03:08] Jay McBain: you know, going through all the depreciation, watching every YouTube video, you know, going to the end of the earth. But the average is 28. So you start to think about this, this is the same buying a car considered purchase, that you would buy a million dollars in software. [00:03:21] Jay McBain: From Microsoft or SAP. So when you look at these moments, you start to think, you know, how is you before you buy that car, downloading the invoice price, downloading this month’s backend rebates. Should I buy it in January? Should I buy it in February? All these decisions you make before you get to that dealership, you’re smarter than the salesperson, smarter than the sales manager. [00:03:39] Jay McBain: You know what 5,000 people bought the car for within 50 miles of you? I mean, you’re just so smart. You actually don’t need the dealership anymore. Just Carvana to me, hand me the keys. Exactly. But now in buying technology, hardware, software services, customers are getting this smart. And here’s all the moments they take to get this smart. [00:03:57] Jay McBain: But the thing we always had in mind in this decade of the ecosystem was the 96% there are trusted people. Yeah. Spending decades building that trust that come in in critical moments. They’re not marketing moments, they’re not sales moments. They are fully partnership moments. Yeah. And they’re on this slide in light blue. [00:04:15] Jay McBain: So if you were to look at this deal and, and somebody in marketing is finding these eBooks and webinars and they think there might be something, AWS got a direct hit on their website. So there’s something brewing at AstraZeneca. It, it might be in, it’s a big pharmaceutical company, so you’re probably spending millions of dollars if something’s brewing. [00:04:31] Jay McBain: Yep. But guess what? At the same time, in December on this six month journey. Partners come in with five different paid projects, consulting, advisory design projects, and in this case it was NTT software one, Yash and uh, ISV was there. Yep. But NTT won three different. Deals right at that critical stage. It wasn’t Accenture, it wasn’t Deloitte, NTT at this particular department of AstraZeneca had spent the decades building those relationships. [00:04:58] Jay McBain: So they were the one, and they won critical part of this. And so that’s when the deal is won. And it’s not at April when the money’s being spent. Yeah, it’s, it’s not in March when a couple more ISVs joined the mix, that seven layer stack that solves this particular problem, it was right there. So if you’re a vendor trying to get into that seven layer stack and you don’t have that relationship, or you don’t have the knowledge that NTT or software one is going in, this will have been a deal that would’ve never hit your pipeline and you’ll have no knowledge. [00:05:30] Jay McBain: So you will have lost this deal without knowing there was a deal, which makes up again, the majority of your tam. [00:05:34] Vince Menzione: Yeah. [00:05:35] Jay McBain: But what if I did have this agentic ability to see this deal coming, and I’m a cybersecurity company, I’m just competing for layer five of the deal, but I know that it’s all happening in December. [00:05:46] Jay McBain: So the two things that jump out on this particular slide is one, they don’t just show up in December. [00:05:51] Vince Menzione: Yeah, [00:05:51] Jay McBain: this went closed one in their Salesforce CRM in August, September, well, before the customer ever read an ebook. So now you’re not dealing with a flimsy MQL. You’re dealing with a couple of great, you know, top partner 1000 sized firms. [00:06:09] Jay McBain: One of them is a partner, 30 firm. [00:06:11] Vince Menzione: Exactly. [00:06:12] Jay McBain: That is absolutely going into and earning hundreds of thousands of dollars in services to guide the customer to a millions of dollars in purchase. And, and you can imagine in that boardroom. With A CMO saying, Hey, I got this stuff here. And the head of channels or partnerships saying, no, no, this is real. [00:06:32] Jay McBain: Here’s the names, faces, and places. Yeah. And here’s how it’s happening. And this is exactly, this is the Gantt chart, this is the show up, this is the project, this is the outcome. This is exactly how it’s playing out. Now if I could go back and the board and the C-suite should be asking us, well, how many more deals like this can you see? [00:06:50] Vince Menzione: Yeah. [00:06:51] Jay McBain: If our TAM is, you know, how many billions of dollars? Could you double our pipeline by seeing more of these middle moments? And if we got a couple of months to spend with these partners before they get in front of the customer, could they build more of our portfolio into the deal so we’re not just layer five, maybe we’re layer three and layer five. [00:07:10] Vince Menzione: This slide screams at me. Integr Tech integration Cha. A partner channel integration of tech, uh, whether it’s Crossbeam, whether it’s Partner Tap, whether it’s work span, or any of these other technologies, tackle any of these technologies that are tracking marketplace, that are tracking partner to partner, co-selling. [00:07:30] Vince Menzione: Getting the integration points. The only way to really understand the situation here, because this is a multinational company. Yeah. It’s being touched at all PO points around the globe. And to understand who’s calling who, who’s influencing who, and getting a real view, you know, a uber view of what that looks like is super important. [00:07:47] Jay McBain: It is. And you know, if I’m trying to sell like a cross beam or partner tab or work span or something into my executive team, I’m just showing them this slide. [00:07:54] Vince Menzione: Exactly. [00:07:54] Jay McBain: Would you like to know about this deal? Like you see, October is the start of the timeline here. Would you like to know about this deal in August, September? [00:08:00] Vince Menzione: Yep. [00:08:01] Jay McBain: Would you like to know about it automatically? Again, we’re not waiting for somebody, a human in a cubicle to go fill out a form. We’re not waiting for them to call somebody at our in, in a cubicle at our company. Yeah. We’re literally age genically sharing platforms, and so when this triggers that AstraZeneca and now triggers in our CRM system as well, our team on AstraZeneca gets notified and it gets notified in September before the 28 moments even starts. [00:08:27] Jay McBain: This, the power of this, of doubling, tripling your pipeline and then winning a bigger yield, a bigger percentage of that pipeline. This is the holy grail of our industry, and no one’s gonna get to a hundred percent. You’re not gonna have a hundred percent of your tam covered by your pipeline. No one’s gonna win a hundred percent of that. [00:08:43] Jay McBain: But again, we only have to be 10 or 20% better than our competitors and we need to start moving on this now. [00:08:50] Vince Menzione: So your imperative for the partners here, well everyone watching here today, I mean, this screams to me build your ecosystem strategy in such a strong and succinct way. What else would you say to them? [00:09:00] Jay McBain: I mean, the second thing that jumps out, you see two AWS direct touches here. This is something that this would be inbound. This AWS would see this deal in their pipeline. [00:09:09] Vince Menzione: Yeah. [00:09:10] Jay McBain: Because the customer came to them. AWS lost this deal. Crazy. So Microsoft won this deal. I, I mentioned Microsoft outgrowing AWS Yeah. [00:09:19] Jay McBain: ’cause in this particular case, NTT and Software One and Yash came in with Microsoft. Yeah. To solve an SAP optimization, Microsoft, and, you know, seven layer deal. So whether you’re in AWS, whether you’re in Microsoft, whether you’re anywhere else in this industry, you’re thinking like, you’re not gonna probably overtake what happens in December. [00:09:39] Jay McBain: These are the most trusted, smartest people in the room. And whatever happens in those projects is the seven layer stack the customer’s gonna buy in March, April. So I, I start to think about this and go, I need to win. ’cause NTT has a wonderful relationship with AWS. [00:09:55] Vince Menzione: They do, [00:09:56] Jay McBain: I mean, partner of the year level. [00:09:57] Jay McBain: I mean, they’ve got 10,000 people certified. I mean, there’s just a, you know, there’s no one at AWS that, um, you know, would take a, a loss here because it’s a wonderful relationship. And Software One, they [00:10:09] Vince Menzione: go back to Microsoft actually 30, 40 years though they do. They were Dimension data before that. Yeah. [00:10:14] Vince Menzione: And they have the long hit Legacy And Software One. Software one as well. You, [00:10:19] Jay McBain: you know, well Software one is Microsoft’s biggest reseller, uh, in Europe. And now with Crayon, you know, one of the biggest in the world. So I would be nervous if I was looking at this and saw Software one coming in with NTT and watching these things take place if I were able to see this back in September, October and work with these companies. [00:10:38] Jay McBain: That’s where kind of Microsoft came into the picture. And this never hit Microsoft’s pipeline. No Microsoft salesperson ever worked on it, but millions of dollars came to Microsoft. Yeah. Uh, out of this deal. So there are examples of where Microsoft gets touched and AWS wins the deal. So this isn’t meant to say that it happens in every case, but it’s meant to say data rules the future, and agent ai, the ability to plumb in these boxes. [00:11:00] Jay McBain: Working with Informa tech, target people that can plumb in the boxes for you with third party data, helping you with the light blue boxes. We gotta be obsessed over these light blue boxes. [00:11:11] Vince Menzione: It’s incredible. The Ultimate Partner Winter Retreat is gonna be here in the Boca Studio. This is the third year that we’re gonna be here in Boca. [00:11:21] Vince Menzione: This is always a favorite of our community members, our executive members, our sponsors and speakers. We’ll all be here in the studio, which is a really intimate setting. We can see upwards of 40, 50 people. Uh, we’ll be hosting an incredible dinner at the Boca Resort overlooking the golf course. That’s an incredible property and, uh, we’d love to have you join us. [00:11:45] Vince Menzione: Thank you for being part of the ultimate Partner community, and I hope to see you this year at one of our events. Thank you.

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The central development addressed is the disconnect between rising overall IT spending and the declining channel share for MSPs and IT partners. Dave Sobel, in discussion with an industry analyst, highlights a reduction in indirect channel participation—from over 75% to a projected 66.7% in 2026—primarily due to the concentration of AI infrastructure investment among the largest technology firms. These hyperscalers and their associated CapEx do not translate into traditional channel opportunities, restricting partner involvement to areas outside large-scale AI data center buildouts.Supporting data point to a technological industry projected to reach $6.07 trillion in customer spend, growing at 10.2%, compared to significantly lower world GDP growth. However, almost none of the rapid AI-related CapEx from companies like Nvidia and Google flows down to channel partners, who instead rely on client-facing managed services, advisory, and security service work. The increasing complexity of customer demand—such as the shift toward managed security (15% growth) and AI services (35.3% compounded growth)—further pushes MSPs to focus on services surrounding the core product, rather than on direct product resale or thin margin opportunities.A significant operational shift within the channel also emerges: the distinction between “influence” and “execution” partners. Vendor programs increasingly recognize partner contributions outside of transactional resale, such as co-selling, advisory contributions, and services attached before or after the point of sale. This trend is reinforced as platforms move toward “point systems” and indirect revenue attribution, redefining how MSPs measure channel health and partner value in a more complex, multi-partner environment.For MSPs, IT providers, and decision-makers, the key operational implications are clear. Traditional growth through seat expansion is less reliable as hiring softens, and managed services must focus on multiplier opportunities—profitable service revenue attached to each dollar of product sold. Capturing value requires adapting to changing program structures, emphasizing trusted advisor roles, and collaborating effectively with adjacent partners. Near-term investment in understanding and building pre-sales AI and security services, and tracking evolving vendor economics, is essential for navigating the new realities of partner participation, risk allocation, and long-term business health.

Daniel Lam discusses the volatility in technology stocks, the interaction between capex spending and monetisation, and areas for investors to be focusing upon.Speaker: - Daniel Lam, Head of Equity Strategy, Standard Chartered BankFor more of our latest market insights, visit Market views on-the-go or subscribe to Standard Chartered Wealth Insights on YouTube.

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 3457: Jackie Beck reveals how impulse spending isn't just about shopping sprees, it includes any unplanned expense that can quietly derail your financial goals. By identifying emotional triggers and using practical strategies like delaying purchases, avoiding temptation, and planning for fun, you can stay in control of your money and still enjoy life guilt-free. Read along with the original article(s) here: https://www.jackiebeck.com/what-you-may-not-know-about-impulse-spending/ Quotes to ponder: "Impulse spending adds up, and keeps you from your real goals if you let it get out of hand." "Remember that a good deal isn't a good deal if you don't already have the money for it." "There's nothing quite so freeing as saying 'I've got $150 this month to spend on anything I want.'" Episode references: FTC Consumer Advice – Unwanted Mail, Calls, and Email: https://consumer.ftc.gov/articles/how-stop-junk-mail Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Markowski discusses the current state of the financial world, focusing on the job market, the impact of tariffs on small businesses, the budget deficit, government spending, and immigration reform. He emphasizes the need for a realistic approach to economic issues and critiques the political narratives surrounding them. McFadden also highlights the importance of small businesses in job creation and the challenges they face due to economic policies.

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 3457: Jackie Beck reveals how impulse spending isn't just about shopping sprees, it includes any unplanned expense that can quietly derail your financial goals. By identifying emotional triggers and using practical strategies like delaying purchases, avoiding temptation, and planning for fun, you can stay in control of your money and still enjoy life guilt-free. Read along with the original article(s) here: https://www.jackiebeck.com/what-you-may-not-know-about-impulse-spending/ Quotes to ponder: "Impulse spending adds up, and keeps you from your real goals if you let it get out of hand." "Remember that a good deal isn't a good deal if you don't already have the money for it." "There's nothing quite so freeing as saying 'I've got $150 this month to spend on anything I want.'" Episode references: FTC Consumer Advice – Unwanted Mail, Calls, and Email: https://consumer.ftc.gov/articles/how-stop-junk-mail Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3457: Jackie Beck reveals how impulse spending isn't just about shopping sprees, it includes any unplanned expense that can quietly derail your financial goals. By identifying emotional triggers and using practical strategies like delaying purchases, avoiding temptation, and planning for fun, you can stay in control of your money and still enjoy life guilt-free. Read along with the original article(s) here: https://www.jackiebeck.com/what-you-may-not-know-about-impulse-spending/ Quotes to ponder: "Impulse spending adds up, and keeps you from your real goals if you let it get out of hand." "Remember that a good deal isn't a good deal if you don't already have the money for it." "There's nothing quite so freeing as saying 'I've got $150 this month to spend on anything I want.'" Episode references: FTC Consumer Advice – Unwanted Mail, Calls, and Email: https://consumer.ftc.gov/articles/how-stop-junk-mail Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3456: Marjolein Dilven shares nine practical strategies to stay motivated and stick to your budget without feeling deprived or overwhelmed. From paying yourself first to using vision boards and rewarding progress, these tips are designed to help you build momentum toward your financial goals while enjoying the journey. Read along with the original article(s) here: https://radicalfire.com/stick-to-your-budget/ Quotes to ponder: "Pay yourself first. If you have savings or debt payoff goals, pay those things first." "If you're feeling deprived by your budget, you will be more likely to break with it." "Don't be the person that buys the cookies and tries to train their willpower attempting not to eat them." Episode references: You Need a Budget (YNAB): https://www.ynab.com Learn more about your ad choices. Visit megaphone.fm/adchoices

I'm back with my friend and colleague Sabine Hossenfelder for another episode of “What's New in Science”. I think this is one of my favorite dialogues that we have had. Spending time with Sabine was a nice chance to step away from my physics lecture series for a bit. I know many of you have been enjoying the lectures, so don't worry, they'll be back soon. In this episode, we covered the kind of science news I like best: ideas you can argue about and results that make you recalibrate. Sabine opened with describing a clever proposal that future fusion reactors might double as axion dark matter factories, producing a flux of very light, weakly interacting particles through neutron-lithium reactions in the shielding. That led to a discussion about what people mean by “axions,” why particle physicists tend to be more particular about the term, and why I'm always more interested in dark matter candidates that were invented to solve an actual problem, not just to fill a cosmological gap. From there we jumped to quantum mechanics at the edge of common sense, with a Vienna experiment showing interference from a cluster of thousands of atoms, and a friendly disagreement about whether “collapse” is a real physical process or just the wrong way to talk about what quantum mechanics is doing.We also talked about AI and math, including the recent swirl of claims about machines proving famous open problems, what was hype, what was rediscovery, and what might genuinely be changing in how mathematicians search the landscape. Then we went from equations to extinction, with a fascinating new approach using space dust and helium isotopes to argue that life may have started rebounding after the Chicxulub impact far faster than people had assumed. Sabine brought a surprising example of string theory mathematics finding a practical use in modeling biological networks, and we ended with biology proper in two very different moods: a sobering study in mice suggesting lung tumors can hijack vagus nerve signaling to suppress local immune responses, and then a lighter result about dogs learning words from overheard human conversation at roughly toddler level. My dog Levi, who many of you have seen on the podcast, was asleep next to me while we talked about it, which felt like the right way to end.As always, thank you for your continued support, and I hope the changing of seasons brings you good time with friends and family.As always, an ad-free video version of this podcast is also available to paid Critical Mass subscribers. Your subscriptions support the non-profit Origins Project Foundation, which produces the podcast. The audio version is available free on the Critical Mass site and on all podcast sites, and the video version will also be available on the Origins Project YouTube. Get full access to Critical Mass at lawrencekrauss.substack.com/subscribe

Start feeling strong and healthy today- with 100+ of amazing women: https://brittany-pearson-0916.mykajabi.com/joinus-c314ce99-4585-4cae-b251-ccae6f397184/PERSONALIZED WORKOUT OPTIONS: found at the bottom of this page: https://www.healthycatholicmoms.com/services/Start losing fat NOW with this FREE guide: https://mailchi.mp/fbd438cb9e15/free-macro-downloadTry my FREE 3 Day Pregnancy Workout Challenge here: https://mailchi.mp/3544a2978243/threedaypregnancyprogramGet the FREE GUIDE to Exercising Postpartum!https://mailchi.mp/4e93de16eeaf/q047rmh7veMy pregnancy and postpartum programs are ALWAYS available right here:https://www.healthycatholicmoms.com/services/Shop Healthy Catholic Moms merch here! Mugs, shirts, and more...https://www.healthycatholicmoms.com/shop/Join my email list here: https://www.healthycatholicmoms.com/____________________________________________________________________________________Schedule a 30 minute coaching call with me here:https://www.healthycatholicmoms.com/services/____________________________________________________________________________For recipes, workouts, and tips- follow me on:Instagram: https://www.instagram.com/healthycatholicmoms/Facebook: https://www.facebook.com/healthycatholicmomsEmail: brittany@healthycatholicmoms.com

If there were no spending, there would be no need for investments. No portfolios. No Monte Carlo simulations. No withdrawal strategies. No Social Security timing debates. Because the entire purpose of money in retirement is spending. To find links and resources mentioned in today's podcast, visit SoundRetirementPlanning.com and click on Episode #468. When you work with Parker Financial, our advisors use the Retirement Budget Calculator — a powerful retirement planning tool developed by our firm — to design, test, and refine your retirement plan. It's now used exclusively within our advisory process to help deliver more precise and personalized outcomes. At Parker Financial, we build well-crafted retirement and investment strategies grounded in academic research and financial science — designed to give you clarity, confidence, and freedom as you move into and through retirement. Don't leave your future to chance. Take the first step toward a sound retirement. Schedule your complimentary discovery session today by visiting Parker-Financial.net. Let us help you make the most of your retirement years.      

HOUR 3 - We get back on track to discuss the Giants’ lack of major offseason spending and what it means for 2026. Then we dive into a heated debate: should you recline your seat on an airplane? Plus, don’t miss our reaction to the hilarious new NBA All‑Star Game commercial.See omnystudio.com/listener for privacy information.

HOUR 3 - We get back on track to discuss the Giants’ lack of major offseason spending and what it means for 2026. Then we dive into a heated debate: should you recline your seat on an airplane? Plus, don’t miss our reaction to the hilarious new NBA All‑Star Game commercial.See omnystudio.com/listener for privacy information.

This Lightning Round segment of the OmniTalk Retail Fast Five, sponsored by the A&M Consumer and Retail Group, Mirakl, Ocampo Capital, Infios, Quorso, and Veloq, closes out the show with rapid-fire takes on luxury travel, Valentine's Day spending, and one very unexpected McNugget caviar moment. From the continued boom in luxury hotels to billions in Valentine's retail projections and the internet's obsession with fast food meets fine dining, Chris Walton and Anne Mezzenga, joined by Shoptalk's Joe Laszlo, keep things moving with quick hits and strong opinions. ⏩ Tune in for the full episode here: https://youtu.be/mvfY4BAy_2c #RetailLightningRound #RetailCulture #LuxuryTravel #ValentinesDay #McNuggetCaviar #ConsumerTrends #RetailNews #OmniTalk

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 3456: Marjolein Dilven shares nine practical strategies to stay motivated and stick to your budget without feeling deprived or overwhelmed. From paying yourself first to using vision boards and rewarding progress, these tips are designed to help you build momentum toward your financial goals while enjoying the journey. Read along with the original article(s) here: https://radicalfire.com/stick-to-your-budget/ Quotes to ponder: "Pay yourself first. If you have savings or debt payoff goals, pay those things first." "If you're feeling deprived by your budget, you will be more likely to break with it." "Don't be the person that buys the cookies and tries to train their willpower attempting not to eat them." Episode references: You Need a Budget (YNAB): https://www.ynab.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Lawmakers scrutinize executive branch spending while crafting new two-year budget, why Kentucky's university professors say state lawmakers are once again attacking tenure, a new report looks at the actions of FCPS' superintendent, and the state makes another appeal to the Trump administration for federal help following yet another deadly storm.

In this conversation, Dwayne Roberts discusses the five essential habits of Jesus that are crucial for spiritual growth, particularly for men. He emphasizes the importance of solitude, prayer, engagement with scripture, trust in God's love, and accountability. Each habit is explored in depth, highlighting how they shaped Jesus' identity and mission, and how they can be applied in contemporary life for personal development and spiritual alignment. Takeaways The habits of Jesus were deliberate disciplines. Solitude is essential for spiritual renewal. Prayer anchors our sense of purpose. Engagement with scripture shapes decision-making. Trusting in God's love alleviates anxiety. Accountability is vital for spiritual growth. Men often seek impact without intimacy. Jesus modeled clarity and discipline in his life. Spending time alone with God is transformative. These habits are crucial for following Jesus as disciples. Chapters 00:00 Introduction to the Five Habits of Jesus 02:25 The Importance of Solitude 05:26 Prayer as a Centering Practice 06:43 Saturation in Scripture 07:00 Trusting in God's Love Learn more Visit: https://www.dwaynehroberts.com/movinnercircle

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 3456: Marjolein Dilven shares nine practical strategies to stay motivated and stick to your budget without feeling deprived or overwhelmed. From paying yourself first to using vision boards and rewarding progress, these tips are designed to help you build momentum toward your financial goals while enjoying the journey. Read along with the original article(s) here: https://radicalfire.com/stick-to-your-budget/ Quotes to ponder: "Pay yourself first. If you have savings or debt payoff goals, pay those things first." "If you're feeling deprived by your budget, you will be more likely to break with it." "Don't be the person that buys the cookies and tries to train their willpower attempting not to eat them." Episode references: You Need a Budget (YNAB): https://www.ynab.com Learn more about your ad choices. Visit megaphone.fm/adchoices

When high earners ramp up their spending while low earners pull back, that's a symptom of a "k-shaped" economy. But what about middle-income households? New evidence shows the middle class is also struggling in comparison to the wealthiest Americans. It's sort of like a K shape within a K shape. After that: Newer firms are more likely to offer work-from-home options, Opera America has financial reasons for splitting from The Kennedy Center, and we check in with a few small businesses ahead of an upcoming inflation report.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

When high earners ramp up their spending while low earners pull back, that's a symptom of a "k-shaped" economy. But what about middle-income households? New evidence shows the middle class is also struggling in comparison to the wealthiest Americans. It's sort of like a K shape within a K shape. After that: Newer firms are more likely to offer work-from-home options, Opera America has financial reasons for splitting from The Kennedy Center, and we check in with a few small businesses ahead of an upcoming inflation report.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

The Rebel News podcasts features free audio-only versions of select RebelNews+ content and other Rebel News long-form videos, livestreams, and interviews. Monday to Friday enjoy the audio version of Ezra Levant's daily TV-style show, The Ezra Levant Show, where Ezra gives you his contrarian and conservative take on free speech, politics, and foreign policy through in-depth commentary and interviews. Wednesday evenings you can listen to the audio version of The Gunn Show with Sheila Gunn Reid the Chief Reporter of Rebel News. Sheila brings a western sensibility to Canadian news. With one foot in the oil patch and one foot in agriculture, Sheila challenges mainstream media narratives and stands up for Albertans. If you want to watch the video versions of these podcasts, make sure to begin your free RebelNewsPlus trial by subscribing at http://www.RebelNewsPlus.com

In this jam-packed news and earnings episode, Simon and Dan dig into the hyperscaler AI spending arms race—and what it could mean for shareholders. They break down Alphabet’s blowout quarter (surging Cloud growth, stronger engagement from AI-powered search, and a push to “own the transaction layer” online), but also debate the market’s unease as buybacks take a back seat to massive capex plans. They then unpack why S&P Global got punished despite only a slight miss, and discuss which parts of the business could be most exposed to AI-driven disruption (while also noting the durability of the ratings moat). Next, they touch on Allied Properties REIT after a brutal drop tied to equity issuance and weakening leasing trends. The episode wraps with Amazon’s strong AWS momentum and accelerating infrastructure buildout, a candid look at Lightspeed’s worrying sequential slowdown and its growing merchant cash-advance/lending exposure, and Spotify’s margin and free-cash-flow surge—plus the competitive threat from YouTube Premium as pricing converges. Tickers of Stocks Discussed: GOOG, AMZN, SPGI, AP-UN.TO, LSPD.TO, SPOT Watch the full video on Our New Youtube Channel! Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Asset Allocation ETFs | BMO Global Asset Management Sign up for Fiscal.ai for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Aim is a full time freelance model from Australia! I had a fantastic time learning more about some of her intense methods: Her tours can be up to FIVE months long! Spending a week at a time in a country, state or province.  Aim is also very talented in other ways too: she is quite versed in secluded location remote shooting, requiring her to bring a camera, laptop, tripod and internet hot spot so that photographers can sit comfortably in their homes while capturing epic artistic nudes in nature places around the world. Her process is so fascinating! Check out Aim here: Http://www.instagram.com/aim.model and all her links are at http://www.linktr.ee/aim.model 

Max and Q cover the latest happenings in the world of Bitcoin, privacy and much more. AOBApple FTFLetter 4 from Keonne15k sigsNEWSWrench attacks coming to the USAMore attacks in France - #2Alby launches SandboxStartwithBitcoin.comCitrea mainnet liveOffgrid.cashUmbrel ProUPDATES/RELEASESBisq Mobile v0.4.0Bisq2 v2.1.9Mostro v1.1.0 betaIgloo Desktop v1.0.3LNBits v1.4.2Peach 0.69 (325)StartOS v0.4.0-alphaZeus v0.12.3EDUCATIONBTC Sessions Aqua tutorialBTC Sessions Nunchuk tutorialLearn about V2 transportHELP GET SAMOURAI A PARDONSIGN THE PETITION ----> https://www.change.org/p/stand-up-for-freedom-pardon-the-innocent-coders-jailed-for-building-privacy-tools DONATE TO THE FAMILIES ----> https://www.givesendgo.com/billandkeonneSUPPORT ON SOCIAL MEDIA ---> https://billandkeonne.org/VALUE FOR VALUEThanks for listening you Ungovernable Misfits, we appreciate your continued support and hope you enjoy the shows.You can support this episode using your time, talent or treasure.TIME:- create fountain clips for the show- create a meetup- help boost the signal on social mediaTALENT:- create ungovernable misfit inspired art, animation or music- design or implement some software that can make the podcast better- use whatever talents you have to make a contribution to the show!TREASURE:- BOOST IT OR STREAM SATS on the Podcasting 2.0 apps @ https://podcastapps.com- DONATE via Monero @ https://xmrchat.com/ugmf- BUY SOME STICKERS @ https://www.ungovernablemisfits.com/shop/FOUNDATIONhttps://foundation.xyz/ungovernableFoundation builds Bitcoin-centric tools that empower you to reclaim your digital sovereignty.As a sovereign computing company, Foundation is the antithesis of today's tech conglomerates. Returning to cypherpunk principles, they build open source technology that “can't be evil”.Thank you Foundation Devices for sponsoring the show!Use code: Ungovernable for $10 off of your purchaseCAKE WALLEThttps://cakewallet.comCake Wallet is an open-source, non-custodial wallet available on Android, iOS, macOS, and Linux.Features:- Built-in Exchange: Swap easily between Bitcoin and Monero.- User-Friendly: Simple interface for all users.Monero Users:- Batch Transactions: Send multiple payments at once.- Faster Syncing: Optimized syncing via specified restore heights- Proxy Support: Enhance privacy with proxy node options.Bitcoin Users:- Coin Control: Manage your transactions effectively.- Silent Payments: Static bitcoin addresses- Batch Transactions: Streamline your payment process.Thank you Cake Wallet for sponsoring the show!MYNYMBOXhttps://mynymbox.ioYour go-to for anonymous server hosting solutions, featuring: virtual private & dedicated servers, domain registration and DNS parking. We don't require any of your personal information, and you can purchase using Bitcoin, Lightning, Monero and many other cryptos.Explore benefits such as No KYC, complete privacy & security, and human support.(00:00) INTRO(00:57) THANK YOU FOUNDATION(01:38) THANK YOU CAKE WALLET(02:43) Drowning in Guiness(10:00) Pardon Samourai Updates(12:52) Scottsdale Wrench Attack(16:06) Kidnapped in Isere(21:22) Alby Launches Sandbox(25:44) Startwithbitcoin.com(27:02) Citrea is Live(29:16) Offgrid DOT Cash(36:44) Umbrel Aluminium(45:54) BOOSTS(49:35) Mostro 1.1 Beta App(50:32) Igloo Desktop(52:46) BTC Sessions Aqua Tutorial(53:46) BTC Sessions Nunchuk Tutorial(54:32) Peter Wuille on V2 Transport(55:53) THANK YOU MYNYMBOX

Spending more time together can save your marriage! Greg and Erin Smalley describe how prioritising your spouse, finding better ways to connect in the bedroom, and keeping open hearts are essential keys for a lifelong, loving marriage!

This week on Back to the 80s Radio, it's just Toscano — and a deep dive into what made the 80s more than just a decade. It was the experience. Walking into Blockbuster.Spending an hour in the mall. Getting lost with a Thomas Guide on your lap.Choosing a VHS tape and committing to the night. In a world built on convenience, we revisit a time built on participation. If you've ever missed the ritual, the anticipation, or the feeling of being fully present — this one's for you.Become a supporter of this podcast: https://www.spreaker.com/podcast/back-to-the-80s-radio--5883226/support.

In the spirit of Valentine's Day, we're talking about how to build a stronger financial partnership - from financial date nights and shared accounts to the subtle social norms that still influence modern couples. Today's guest is Dr. Emily Garbinsky, professor at Cornell's Johnson School of Business, whose work explores how couples make financial decisions, how pooling money affects relationship satisfaction, and what really happens when one partner earns more than the other. Learn more about Dr. Garbinsky's research here. Hosted on Acast. See acast.com/privacy for more information.

904. Laura reviews strategies to resist impulsive spending so you can save more money and achieve your financial goals faster.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this edition of Hollywood's Headlines, the guys break down an Olympic gold medalist apologizing for cheating on his girlfriend during a post-win interview. They also cover Jaxson Hayes getting sued by a person in a mascot suit he shoved recently, noting the irony that the lawyer has previously prosecuted Hayes. Finally, they discuss California's massive $350 million spend on OnlyFans last year, with Los Angeles leading the nation.

Most money stress isn't about income, it's about how money flows. In this episode, John Kennedy, CFP® breaks down the difference between spending up and spending down, why budgeting often feels frustrating, and how small system changes can create real clarity. He shares a simple framework for managing cash flow and building habits that actually stick. If you've ever felt like you're earning enough but still wondering where your money went, this episode will help you reset the way you think about spending.   Resources mentioned: Free Financial Online Course: YourMoneyStory.app Live Webinar on Feb. 17th - Your Money Flows: Bringing Order to Your Daily Budget    00:09 The Real Problem: Money Psychology 02:14 Spending Up vs. Spending Down 05:21 The Power of Cash Flow Management 05:57 Implementing the Three-Account System 08:15 Join Our Free Online Course

Kara and Scott break down the Super Bowl ads, and the backlash over Bad Bunny's halftime show. Then, they look at what's next for crypto, as Bitcoin and major tokens plummet. Plus, Amazon and Big Tech continue their AI spending spree, Trump throws his support behind the Nexstar–Tegna merger, and Kara has a message for Jeff Bezos. Watch this episode on the ⁠⁠Pivot YouTube channel⁠⁠.Follow us on Instagram and Threads at ⁠⁠@pivotpodcastofficial⁠⁠.Follow us on Bluesky at ⁠⁠@pivotpod.bsky.social⁠⁠Follow us on TikTok at ⁠⁠@pivotpodcast⁠⁠.Send us your questions by calling us at 855-51-PIVOT, or email Pivot@voxmedia.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

If you've ever made a purchase you instantly regretted — or wondered why you keep impulse spending even though you "know better" — this episode is for you. In this masterclass-style episode, Paige walks you through her three core pillars for going from impulsive spending to intentional spending — without restriction, guilt, or rigid rules. You'll learn why impulse spending isn't actually about the thing you're buying, how urgency and dopamine hijack your decision-making, and what it really takes to slow down your purchases in a world designed to make you buy now. This episode breaks down the practical tools and the emotional work required to become someone who spends with purpose, clarity, and confidence — even when emotions are high and logic feels low.

HOUR 1: How much are you spending on Valentine's Day? full 2349 Tue, 10 Feb 2026 20:00:00 +0000 qKml3ISlJ2R2q3Z9sl8ROH5ZcJTifAEJ news The Dana & Parks Podcast news HOUR 1: How much are you spending on Valentine's Day? You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News False https://player.amperwavepodcasting.com?

Ready to stop paying more than you have to? New customers can make the switch today and for a limited time, get unlimited premium wireless for just $15 per month. Switch now at https://mintmobile.com/sidetracked. Sidetracked Socials: https://www.instagram.com/thesidetracked.podcast/ https://www.tiktok.com/@thesidetracked.podcast Listen to SIdetracked here: https://podcasts.apple.com/us/podcast/sidetracked-podcast/id1710039593  https://open.spotify.com/show/1FkUEPEXY8WDKUdcF357zr?si=025380ecaede4b0d9 Andrew: https://www.instagram.com/andrewtmi/?hl=en https://www.tiktok.com/@andrewtmi https://www.youtube.com/@AndrewTMI Jenna: https://youtube.com/@JennaJeeTV?si=H3VWtUhA03DfBS-m  https://www.instagram.com/jenelise/