Podcasts about spending

Who makes you feel completely understood in the way you work?Spending time with people who share your Working Genius types can give you energy, joy, and the relief of feeling fully understood. In episode 118 of the Working Genius Podcast, Patrick Lencioni and Cody Thompson explain why these pressure-free interactions act like a “personality spa,” allowing you to enjoy your natural gifts without needing to produce a result. They also offer practical ideas for finding your people and creating restorative experiences at work, at home, and in your friendships.Topics explored in this episode:(00:00) The Relief of Being UnderstoodPat introduces the idea that Working Genius diversity is valuable, but occasionally being around people with the same genius types can be deeply restorative.Cody explains that recharging does not always require unplugging from everything because people can regain energy by plugging into the right relationships and activities.(03:09) Using Your Genius Without PressurePat and Cody describe how shared Discernment allows them to evaluate movies, sports, rules, and ideas simply for the enjoyment of thinking together.They explain that a “personality spa” creates permission to play with a genius without being responsible for executing the ideas that emerge.(06:33) Building Your Own Genius PlaydatePat describes the freedom people experience when they spend time with someone who shares both of their geniuses and does not require them to edit themselves.Cody shares his idea for a “minnow tank,” where entrepreneurs could bring half-formed ideas for others to discern and galvanize without the pressure of a formal business pitch.(09:44) Feeling Seen at Work and HomePat imagines companies creating lunches for employees with matching Working Genius combinations so they can share experiences, feel understood, and positively commiserate.Cody and Pat discuss how shared genius types can create connection in friendships, marriages, and families while still producing potential blind spots.(12:24) A New Way to Recover From BurnoutCody explains that burnout often comes from the type of work a person is doing rather than simply the amount, making genius-aligned conversations a meaningful source of renewal.Pat and Cody encourage people to find a Working Genius doppelganger, schedule a pressure-free “spa date,” and share what they discover from the experience.This episode of The Working Genius Podcast with Patrick Lencioni is brought to you by The Table Group: www.tablegroup.com. We teach leaders how to make work more effective and less dysfunctional. We also help their employees be more fulfilled and less miserable.The Six Types of Working Genius model helps you discover your natural gifts and thrive in your work and life. When you're able to better understand the types of work that bring you more energy and fulfillment and avoid work that leads to frustration and failure, you can be more self-aware, more productive, and more successful.Take the assessment today to discover your natural gifts and thrive at work: https://workinggenius.me/aboutSubscribe for more content from Patrick Lencioni @PatrickLencioniOfficialStay Connected with Patrick LencioniLinkedIn: https://www.linkedin.com/in/patrick-lencioni-orghealthInstagram: https://www.instagram.com/patricklencioniofficialTikTok: https://www.tiktok.com/@patricklencioniofficialX: https://x.com/patricklencioniThe Working Genius Podcast with Patrick LencioniApple: https://workinggenius.me/appleSpotify: https://workinggenius.me/sptfyYouTube: https://workinggenius.me/wgytBe sure to check out our other podcast, At The Table with Patrick Lencioni, on Apple Podcasts (https://tablegroup.me/apple), Spotify (https://tablegroup.me/sptfy), and YouTube (https://tablegroup.me/youtube).Let us know your feedback via podcast@tablegroup.com.This episode was produced by Story On Media: https://www.storyon.co.

Carl Quintanilla and Jim Cramer led off the show with another day of oil prices rising in reaction to the U.S.-Iran conflict. Brent jumped above $100 per barrel for the first time since May, after Iran-backed Houthi rebels claimed that they attacked Saudi Arabian tankers on the Red Sea. President Trump responded with a warning to Iran and the Houthis on Truth Social. Alphabet and Tesla saw their shares take a hit — as the tech giants' respective plans for AI spending overshadowed quarterly results. Also in focus: Elon Musk on Tesla capex and SpaceX; What Nvidia CEO Jensen Huang told Axios about the future of capex;  IBM lowers guidance; Airline stocks tumble on results hurt by rising fuel costs; Earnings movers from Comcast to ServiceNow.   Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Plus: OpenAI says two of its models hacked a company in a cybersecurity test gone wrong. And U.S. data-center operator TECfusions plans to go public. Danny Lewis hosts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

AI investment is reshaping the global outlook. In part one of this economic roundtable, our panel explores where the momentum is strongest — and where investment still needs to catch up.Read more insights from Morgan Stanley.----- Transcript -----Seth Carpenter: Welcome to Thoughts on the Market. I'm Seth Carpenter, Morgan Stanley's Global Chief Economist and Head of Macro Research. Michael Gapen: And I'm Michael Gapen, Chief U.S. Economist. Chetan Ahya: And I'm Chetan Ahya, Chief Asia Economist. Jens Eisenschmidt: And I'm Jens Eisenschmidt, Chief Europe Economist. Seth Carpenter: And today is going to be our third quarter economic roundtable taking a wide-angle view on the global economy and all the key forces shaping our outlook and the economy. Seth Carpenter: It's Monday, July 20th at 10am in New York Jens Eisenschmidt: And 4pm in Frankfurt. Chetan Ahya: And 10pm in Hong Kong. Seth Carpenter: Since our last roundtable in April, the global economy has continued to face all sorts of shocks, a mix of resilience and friction. Inflation pressures have not disappeared. Energy and geopolitical risks have come up, they've receded, they've come back, they've receded all over the place But there is one underlying source of momentum that we have to talk about. And that is the AI-driven CapEx cycle. Michael, let me turn to you because the U.S. is a real focal point of all of this. Tell me a little bit about where Morgan Stanley Research is thinking about hyperscaler CapEx. How big it is? And then for you, when you think about the U.S. economy, just how big of a driver is it for what we're looking for in the U.S.? Michael Gapen: Yeah, we continue to revise higher our estimates for hyperscaler and AI-related CapEx in the U.S. economy. We were thinking a little over a trillion for 2027. Now we're more like 1.2 - 1.3 trillion, maybe as high as 1.4 trillion in 2028. So, the level of hyperscaler spending continues to keep rising. The growth rate and its effect on the economy is likely to slow. But as you noted, it's still a major driver of momentum in the U.S. You would look at that headline number and think, "Wow, that's, you know, 3.5 percent or so of GDP. Must be a massive source of momentum for GDP growth." But roughly about 60 percent of that hyperscaler CapEx spending goes to items like computers and peripherals, equipment spending categories that have a very, very high import content. We still get a significant number that AI CapEx is probably contributing around 40 basis points to growth this year. Be a similar-sized amount perhaps next year.So, for an economy that's growing somewhere a little bit above 2 percent right now, maybe closer to 2.5 percent next year, that's a non-trivial amount. We just have to remember it's fueling growth around the world, just not here in the U.S. Seth Carpenter: Yeah, that's a really great point because I have seen some estimates where people say, "Well, if it wasn't for AI CapEx, the U.S. economy wouldn't have grown at all." And that's clearly wrong, as you point out. But U.S. imports are necessarily exports from somewhere else. And, Chetan, if I can pull you into the story then, U.S. firms are buying a lot of AI-related equipment from Asia. What does that mean in your part of the world? And in particular, I'm thinking about Korea, Taiwan, and maybe some other economies in Asia. What's the critical story there? Chetan Ahya: So, for Asia, this has definitely been a big boon. If you look at Asia's exports, they have been booming, and particularly for the ones which are exporting semiconductors to the U.S. They are seeing semiconductor exports growing by 90 percent. And when we go back in time and compare Asia's semiconductor exports, it's very tightly linked to the U.S. IT CapEx. And it's not surprising when Mike Gapen mentions about the imports going up. It's on the other side, helping Asia's exports quite meaningfully. So, so far, we've seen this benefiting Korea, number one, Taiwan, and also Japan. All these three are big beneficiaries of U.S. AI CapEx. And of course, also not just U.S., but the other countries which are doing any little amount of CapEx on AI front, that's also helping these three economies in the region. Seth Carpenter: You've been doing a lot of work, Chetan, recently about how much the story can actually broaden out, that the AI CapEx cycle has really contributed to Asian growth, but it doesn't tell the whole story that there's a broader industrial cycle. Can you give us a little bit of a flavor of that story? Chetan Ahya: That's right, Seth. So, we are actually highlighting that there is a CapEx and industrial super cycle that is underway in Asia, and there are four components to this story. AI and semiconductors CapEx, which we just briefly discussed. Number two is energy. Number three is defense. And number four is industrial supply chain onshoring related CapEx. I know that everybody still thinks that AI is the most important part of this story, but when I give you the numbers and the breakup of that... So, for Asia, AI and semiconductor companies CapEx is about $380 billion in 2026, but energy CapEx is going to be $900 billion. So, this is a far broader story than just AI for Asia. Seth Carpenter: Mike, let me come back to you and to the U.S. then. So, isn't the growth story also broader than that as well domestically? So, what's going on in terms of consumer spending in the U.S., and is there a broader CapEx story in the U.S. as well? Michael Gapen: I would say, is it broader than that? I think maybe you could argue also it's narrower than that. Here's what I mean by that. As I noted AI CapEx contributing about 40 basis points to growth, it's certainly underpinning equity valuations in the U.S. and underpinning strong wealth creation. So about [$]180 trillion in household net worth in the U.S. About [$]55 trillion of that has been created in just the last five years alone, underpinned in part by AI-related spending and optimism about future profitability. That's really supported spending by upper income households. So, I think it's both investment-led and consumer-led, but they're inextricably linked. So, the positive for the U.S. is that it's providing a lot of resilience. The negative component of that is it feels like momentum in the U.S. is narrowly driven. Jens Eisenschmidt: Let me maybe jump in here from Europe to provide some perspective from the other side. So, I think it's a fair summary to say that AI investment is not yet, or maybe will never get there, dominating the business cycle. What we do have instead is an unusually consumption-driven expansion. That has to do not so much with an extraordinary strength of consumption, but more of an absence of other factors. Now, prospectively looking forward, we think the fiscal expansion might help lifting us a little bit. And then it is really the debate how much AI investment can arrive in Europe. For now, I would say it's probably a factor of 20 that separates European investment plans from the plans we know that exist for the U.S. Seth Carpenter: Let me stick with you then in Europe because you brought up fiscal as one of the factors going on here and where it's going… You and your team recently wrote a blue paper talking about what the outlook is for fiscal policy in Europe, and in particular, we had this era of cheap debt. Interest rates in Europe were low, at times negative. It was super easy to borrow. Not as much happened then. There's been a shift towards more fiscal expansion at the same time that interest rates have gone up, causing the cost of debt to go up. Feels like there's a lot of push and pull going on. Can you unpack for us a little bit what was in that paper you wrote, what's going on with fiscal policy in Europe, especially in Germany? And what it might mean over time for Euro-area countries? Jens Eisenschmidt: Yeah, so I think fiscal policy in Europe really is looking at a regime shift. So, there is this very famous, probably in the U.S. even more so than here, notion that the Europeans have built a very comfortable welfare state. And that's true if you just look at the accounting from a GDP perspective. It's close to 50 percent that, you know, budgets are actually extended on welfare spending. And now you have three structural headwinds for any type of fiscal spend. So, one is aging related costs, you mentioned it already. Defense spending has to increase significantly, and the interest rate costs will also rise significantly. All of that means there will be very hard choices to be made. The one thing that actually could help here is growth. Growth is the one thing that's, for now at least, missing, at least in comparison to the U.S. It's probably half what we expect, what the U.S. colleagues think is in stake for the U.S., and a quarter or even less than that of what is there in Asia. So, growth is really the key, the solution, the answer to everything in Europe. More growth than just 1 percent, which is potential, would help solving that fiscal challenge. For now, it looks really, really like an uphill battle. Returning to Germany, it's the one country that has a very good fiscal starting position. They are pushing a lot but they're to some extent pushing a string. So, even with the German huge fiscal package, given that private sector investments so far are absent, doesn't get us a ton of growth. Seth Carpenter: Chetan, maybe I'll come back to you before we close part one of this roundtable. The AI CapEx cycle started with AI, broadened out further. How long do you expect this cycle to last? How durable can it be? And how might it compare to previous CapEx cycles? Chetan Ahya: Yeah, Seth. So, we think this will be a multi-year CapEx cycle. And when we are thinking about the duration of the cycle, there are two things that I would keep in mind. Number one is that most of the drivers that we just discussed – the CapEx on AI, energy, defense, and industrial supply chain onshoring related investments – these are all structural drivers. So, we think these are going to continue for some more time. At this point of time, we have the visibility for this cycle to be lasting for three-four more years. And then the second point of framework that I would keep in mind is that the corporate balance sheets are in a pretty good shape. So, when you are thinking about the leverage in the private sector, you can look at both households and the corporate sector balance sheet. But since the cycle is CapEx driven, we are looking at the corporate balance sheets, and they are in a pretty good shape. Across the region, corporate debt to GDP is below where it was in 2019. Seth Carpenter: Mike, let me, let me wrap up quickly with you. We talked about AI, AI CapEx. For now, that's a very strong demand story. When are we going to see a supply side of things coming from AI? Are you already seeing a big contribution to GDP and growth from productivity coming from AI? Michael Gapen: We are, but not outside of the high-tech sectors, and we're seeing limited, what I'll call labor market restructuring of tasks and occupations beyond high AI-exposed occupations. So right now, everything is still very isolated I think maybe as we get into 2029 and beyond, so as Chetan says, we probably have a three to four-year super cycle here around a build-out phase. Then we might see some of that broader-based diffusion to other non-tech sectors in the economy. Seth Carpenter: All right, Jens, for you, let's wrap up here. So, what is the state of play for the build-out in the CapEx cycle for AI in Europe? Jens Eisenschmidt: Yeah, it's very early stages. As I said before, we really; we connected to all the industry experts or analysts covering the sector and the total plans are a factor of 20 below what we see in the U.S. by just the seven hyperscalers. So, I would say very fragmented, very small, in general. Not only AI. I think the one thing I would be looking at for any type of sign of revival, sign of growth is investment. The second would be investment. And you can guess what the third would be… Investments in the core countries. That's really what we need to see, and we haven't seen much in Germany or France on this front. Seth Carpenter:That's a great place for us to stop today. We talked about the real side of the economy, AI, CapEx, trade. Tomorrow we're going to come back, and we'll talk about how that growth outlook affects inflation. And once you start talking about growth and inflation, you got to talk about policy, and that's where we'll be tomorrow. Mike, Jens, and Chetan, thank you for joining today. And for the listeners, thank you for listening. Be sure to tune in tomorrow for Part 2 of our conversation. And I have to say, if you enjoy this show, please leave us a review wherever you listen, and share Thoughts on the Market with a friend or a colleague today.

Merriam-Webster's Word of the Day for July 21, 2026 is: dog days • DAWG-DAYZ • plural noun Dog days is a plural noun that refers to the hottest time of the year, which in the northern hemisphere is usually between early July and early September. Dog days can also refer to a period of stagnation or inactivity suggestive of hot, sultry weather when it can be difficult to summon the energy required for hard work. // Spending the day at a swimming hole has always been the perfect relief for the dog days of summer. See the entry > Examples: “When the dog days of summer were at their fullest, my new friends and I often played scrub baseball at Cameron Street School. We also rode our bicycles all over the south end.” — Gary Baldwin, The Peterborough (Ontario) Examiner, 19 July 2025 Did you know? Idle hands may be the devil's workshop, but let's be serious: when it's stiflingly hot outside, who among us isn't tempted to shirk work to go lie doggo in the shade somewhere? Such is the desire of many a creature—not just dogs (or lexicographers)—during the dog days of summer. If you're curious about how dogs got singled out in this expression, we might say it was in the stars. The dog in dog days is the Dog Star, aka Sirius, the star that represents the hound of the hunter Orion in the eponymous constellation. The star has long been associated with sultry weather in the northern hemisphere because it rises simultaneously with the sun during the hottest days of summer.

This week on That Was Us, we're beyond excited to welcome cinematographer Yasu Tanida, the visionary behind the distinctive look of This Is Us. Yasu takes us behind the camera to reveal how he helped create the show's signature visual language, from its soft and nostalgic aesthetic to the intimate handheld style that made viewers feel like they were living alongside the Pearson family. In this episode, Yasu chats about: * How he developed the iconic visual style of This Is Us and why the show was designed to feel like a memory * The handheld camerawork and lens choices that helped create intimacy with the Pearson family * Working to “detune” lenses and create the soft, dreamy glow seen throughout the series * The role color palette, framing, and composition play in creating the show's nostalgic tone * Why the camera often sits outside rooms, quietly observing the characters * Collaborating with the lighting team to create beautiful images * The technical considerations of lighting different skin tones * His philosophy that actors and story always come first * Creating efficient lighting setups that allow scenes to flow naturally * Spending time in the editing room with Dan Fogelman to learn the visual “language” of the show and refine his storytelling instincts * How he pushed the signature This Is Us look even further on Paradise and other projects And a friendly reminder, you can catch new episodes of That Was Us every Monday, a day early, exclusively on Hulu. Available on Spotify, YouTube, or wherever you get your podcasts on Tuesdays like usual! That Was Us is produced by Rabbit Grin Productions. Music by Taylor Goldsmith and Griffin Goldsmith. ------------------------- Support Our Sponsors: - Thanks to Article for sponsoring this podcast! Article is offering our listeners $50 off your first purchase of $100 or more. To claim, visit https://www.article.com/discount/twu and the discount will be automatically applied at checkout. - Get a $49 annual membership with promo code podcast at https://www.shipt.com/offer. Terms apply. - Explore viral bestsellers and products of healthier hair of ALL types from Bask and Lather. Go to https://baskandlatherco.com and use code TWU for 20% off. -------------------------

SEND ME A TEXT MESSAGE NOWI'm asking a question that should be easy to answer, but somehow nobody in Washington wants to. Whatever happened to the Republican Party that built its entire identity around fiscal responsibility? After decades of hearing lectures about deficits, government spending, and living within our means, suddenly ninety-five billion dollars is treated like pocket change. Either the math changed…or the message did.Then it gets even stranger. One of the most revealing comments wasn't hidden behind closed doors. It was said out loud. When lawmakers were asked how this massive spending would be paid for, the response was so breathtakingly honest that it may have exposed what this debate has really been about all along. If you've ever wondered whether political principles actually have expiration dates, you won't want to miss this conversation.Then I turn my attention to Senator John Fetterman and the growing speculation that he may walk away from the Democratic Party altogether. After watching his votes, interviews, and public positions over the past couple of years, I have a very different reaction than many Democrats probably expect. Let's just say there won't be any desperate pleas for him to stay.This episode isn't about left versus right. It's about consistency, credibility, and whether principles still matter when the people in power are the ones writing the checks. If politicians are going to spend years preaching one thing and then practice the exact opposite, somebody ought to point it out.If you're tired of political double standards, selective outrage, and watching yesterday's talking points disappear the minute they're no longer convenient, then this episode is for you. Sometimes the most revealing stories aren't about what politicians say. They're about what they suddenly stop saying. Welcome to another episode of A World Gone Mad.You can send me your opinions and comments at: WolfPackTalks@gmail.comIf you've enjoyed the podcast and found it informative, and maybe got a laugh or two, then please contribute to keeping this podcast around. I'm not backed by Corporate media. There is no outside money other than my own wallet so if you could please contribute to the GoFundMe below even a small donation makes a difference.https://gofund.me/5d9a419efAWorldGoneMadPodcast@gmail.com

We are coming off a great weekend, which started with a live podcast taping with all of you!  I was blown away by the energy in the room, and can't thank you all enough for coming out.  I get into your calls and we have one for the ages.  She flew across the country to meet someone for the first time, and ended up spending the weekend with his parents.  The story truly shook me, and I can't wait for a follow up. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What does 42 actually look like? According to Carla and Dex... it's acupuncture appointments, spending way too much money on skincare, arguing about hot dogs for ten minutes, refusing to go anywhere that starts after 8 PM, and finally realizing that peace is worth protecting. This birthday episode starts with laughs but quickly turns into one of those conversations that sneaks up on you. The hosts talk about aging, health, dating, friendships, boundaries, money, career decisions, and the freedom that comes from finally knowing who you are. They compare what excited them in their twenties versus what brings them joy now, debate whether dating gets easier or harder with age, and imagine what they hope life looks like forty years from now. It's funny. It's honest. And it's the kind of conversation that reminds you getting older doesn't mean becoming less you just become more yourself. In This Episode Why getting older feels more freeing than scary The wellness habits they're actually investing in now The surprising things that become exciting in your late 30s and 40s Dating standards that change with age Why boundaries get easier the older you get Spending money on health vs. spending money on everything else Career advice they wish they had followed sooner The future they're intentionally building—not just hoping for What peace looks like in this season of life Plenty of laughs about birthdays, hot dogs, Botox, and why nobody wants plans that start after 8 PM Memorable Moments The birthday conversation that turns into a reflection on aging. A hilarious debate over the "right" way to eat a hot dog. Why morning routines have become sacred. The reality of dating when you actually know what you want. Imagining life 40 years from now—and what really matters by then.     CONNECT WITH US ON SOCIAL MEDIA: CARLA WILMARIS | DEX

In this episode of the Earn and Invest podcast, host Doc G interviews Jesse Mecham, founder of the highly popular financial software YNAB (You Need A Budget), to discuss his upcoming book, Never Worry About Money Again. The conversation centers on a radical shift in Mecham's philosophy: abandoning the word "budget" in favor of mastering intentional spending. Learn more about your ad choices. Visit megaphone.fm/adchoices

BOOK YOUR 1:1 ALIGNMENT CALLFINAL SPACES FOR 1:1 COACHINGRepurpose Ai: Streamline your content creation and repurpose effortlessly with ⁠Repurpose Ai⁠.Later Content Scheduling: Simplify your social media strategy with ⁠Later⁠.Flodesk: Elevate your email marketing with Flodesk – get 50% off your first year using ⁠this link⁠.Other Resources:Submit a question to be featured on the podcast and receive live coaching! Send a voice note or fill out the⁠ question form⁠.Where To Find Us:Instagram:⁠ @sigma.wmn⁠TikTok:⁠ @sigma.wmn⁠Newsletter:⁠ Subscribe here⁠Threads:⁠ @sigma.wmn⁠In Part 2, we unpack the hidden business mistakes that can quietly cost women business owners thousands when growth is happening without the right strategic oversight. From staying a sole practitioner for too long, to overspending on contractors, to making decisions without fully understanding the financial implications, this episode looks at the risks that often sit beneath the surface of business growth.We explore why business structure matters more than many women business owners realise, especially when revenue is increasing and responsibilities are expanding. What feels like keeping things simple can sometimes create unnecessary tax pressure, financial inefficiency or long-term complications. We also look at the costly mistakes that happen when support is brought in too soon, too vaguely, or without knowing what good support should actually look like.Tune in to hear:The risks of staying a sole practitioner for too long.Why overspending on contractors can quietly drain your business.How to avoid getting ripped off by support you do not actually need.Why strategic oversight matters when making financial and operational decisions.Find the Complete Show Notes Here → ⁠https://sigmawmn.com/podcast⁠In This Episode, You'll Learn:Why staying a sole practitioner for too long can create financial and tax-related problems.How to recognise when contractor support is unnecessary, premature or overpriced.What can go wrong when business decisions are made without strategic oversight.Why understanding what to look for in contractors can protect your time and money.How stronger business structures and sharper decision-making support long-term profitability.Themes & Time Stamps:0:00 – Introduction: mistakes business owners make without a consultant0:36 – Why this series: consulting is more than social media & marketing2:25 – Mistake #1: Staying a sole trader too long instead of incorporating4:06 – The accountant who failed to act — and the $100K tax debt5:21 – How she paid off nearly six figures in 14 months6:51 – Lesson: don't stay loyal to contractors who aren't delivering8:13 – Sole trader vs. company structure: talk to your accountant8:50 – Budgeting advice: running on 70% toward debt & investing9:35 – Mistake #2: Spending money on contractors you don't need10:24 – When to hire a VA (and when NOT to)11:00 – Getting ripped off by contractors — and how to spot it11:44 – Mistake #3: Doing things that are illegal or against regulation12:44 – Why the "boring" structural stuff matters most13:20 – Wrap-up: leave a review & request more episodes

How Doom scrolling steals our focus and creates despair. Spending too much time scrolling through sensationalized news and negative social media posts may lead to you questioning the meaning and purpose of life. Use your own dog for anxiety relief 30-second free guide ServiceDogPro.com! Joanne's Book to help families talk aboutEmotions:Super Dog Helps Boys Fears https://podcast.feedspot.com/anxiety_podcasts/ https://podcast.feedspot.com/us_psychology_podcasts/ sts/

Send us a text with feedback, questions, or topics of interest!If you've been struggling with money, the High Angelic Guides came through with perspectives that will completely reorganize your money story: how they see your bank account, why spending is not losing, and how to attract the perfect amount of money exactly when you need it.This is a live channeled wealth transmission from the High Angelic Realm, the crystalline whispers of truth, for the souls who are ready to release the inherited lack program for good and step into their role as stewards of wealth on the planet.✦ IN THIS WEALTH TRANSMISSION, YOU'LL LEARN ✦

I love Rock Fest. I miss being there. I had such a great time. But man, am I glad to be home and poop in my own toilet, shower in my own shower, and sleep in my own bed. Jean's out this morning as she went to AC/DC last night in Madison. So, I ran a couple of the interviews we recorded while in the radio booth at Rock Fest including my conversations with the Autumn Kings, Kami Kehoe, and Story of the Year! In the news this morning, the explosive diarrhea has been traced back to some lettuce, the WI DNR extends their air quality advisory until noon today, David Crowley is back in the race for Governor of WI after getting an endorsement from Tony Evers, a man drowned in the Chippewa River after fleeing from police, and a start-up company is taking orders on survival pods! In sports, the Brewers restart the regular season with a sweep of the Marlins, Spain beats Argentina to claim the World Cup title and they got PAID by FIFA…which might be why they're trying to sell all that grass from the field in New Jersey(which isn't going over too well in the Garden State). Let you know what's on TV & streaming today/tonight and talked about the most-watched series on Netflix from the last four years. Plus, is Darius Rucker calling it a career? Today happens to be the anniversary of the release of the original "Neverending Story" movie…which lines up nicely with this story about a pony that almost suffered the same fate at Artax, but was rescued by a fire department in PA. And speaking of nice saves, check out this guy who used his own vehicle to stop a runaway vehicle in Washington. Elsewhere in the world of sports, Joey Logano gets his first win of the NASCAR season, Connor Bedard gets a contract extension, Cam Skattebo scares Giants fans by trying to do a flip at FanFest, Saquon Barkley's house gets robbed, Conor McGregor talks about the injuries he sustained during his last fight, and apparently…Madison Square Garden keeps a list of artists that may be difficult to deal with. In today's edition of "Bad News with Happy Music", we had stories about a guy in Texas who just got his 12th OWI, a #FloridaMan who tried switching seats with his passenger after getting pulled over, a guy who fell into the tank of a porta potty and had to be cut out by a fire department, a woman who got busted with drugs hidden all over & in her body, a woman who was driving around naked with a bunch of drugs & guns in her car.See omnystudio.com/listener for privacy information.

As lawmakers look toward the August recess, several of the year's biggest policy debates remain unresolved. Budget issues, pending nominees and early discussions about another reconciliation bill are all competing for attention on Capitol Hill. Here with an update on where things stand, is Loren Duggan, Deputy News Director for Bloomberg Government.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Cold openWelcome to the Treatment Funhouse…First room. Guy in a jumpsuit, “We gotta strap ya in.” He waves at a chair. “Safety,” he says in a bored voice.So you sit. You really want… something… different in your miserable life.[Brief music]Suddenly he snaps manacles on your wrists. Then behind you he grabs a blowtorch…[music]IntroThis is AutisticAF Out Loud, Season 7, episode 1. Today, I find moments of joy… after some brutal ones.Like Leonard Cohen sang in Suzanne, “among the garbage and the flowers.”I'm Johnny Profane. Startled awake. Taking a new direction. And writing a neurodivergent autobiography… out loud.Content note: Mentions abuse, trauma, suicidality... and dark humor.Just one autistic elder's voice. Raw.3 fragments from my free archive, autisticaf.me… I'll tell you more at the break.[music]Welcome to the Treatment FunhouseBeing trapped in the medical model of autism for decades?Imagine an elaborate carnival funhouse… the kind that's a maze. You gotta find your way out. But…This one's got a horror theme.The sign outside… “23 Mirrored Rooms That Will Change Your Life… Forever!”Never saw that before.So you stand in the long wait line. That, naturally, doubles back on itself. Many times.Finally, you belly up to the barker's ticket window. Start to scan the price board.“125 bucks?” You cry out.“You wanna change yer life, kid? Whatchya think it would cost?”So you sigh. You think…You need… different. You fork over.First room. Guy in a jumpsuit, “We gotta strap ya in.” He waves at the chair. “Safety,” he says in a bored voice.So you sit. You really want… well, something… different in your miserable life.Suddenly, he snaps manacles on your wrists. Then behind you, he grabs a blowtorch.You see this scene reflected in all the mirrors. In detail. Enhanced by all your grisly memories.You protest. “What the actual fuck.”“Trust me. This is the latest research. Sure as hell gonna change your life.” That smile. Thin. Cold. Professional. “We got paying customers outside. Lined up. Waiting to get inside. You in… or out.”You reflect on your miserable life. You nod.Then he slowly, methodically works you over. A light burn here. Another there. Starting at your feet. Working upwards.You scream. You cry. You plead. You evade. You bargain. Not a word out of Jumpsuit Guy.And… the only way you can block out the terror reflected in those mirrors?Close your eyes…He finishes. He unshackles you. Helps you up as you tremble. Guides you efficiently to the door.“Next room. Room of Knives. Yer gonna love it,” he laughs.“Just 22 to go.” Leans in… conspiratorially. Whispers in my ear…“Wait til the Meds room. Everybody talks about the Meds Room.”Beat.“If you make it there.”musicInterludeOkay, then. A fun little… metaphor. Now… some dark reality. Family… and professionals… tossed off what I was going through in my late teens as “immaturity.” Something I'd age out of. Totally ignoring all the red danger flags of the coming disaster.Quick side note. Some folks wrote you couldn't read articles. Multiple platform problems… demands you subscribe… pestering friends, even if they used a“free” link.I heard ya . So, I built my free personal archive at autisticaf.me. No paywall. No ads to piss ya off. All free & shareable… on me.You'll find more pieces like this next one… there. — The Autistic Treatment Funhouse, Room of ExamsThey Called It Immaturity. They Missed Everything.Content note: This is the tough one I mentioned. With the brutal flowers.Look, first of all… This is not the beginning of a poor-me story.This is a story of how I found moments of joy… and darkness… in my autistic life. Like Leonard Cohen sang in Suzanne, “among the garbage and the flowers.”But I found dark humor... every where.1972 was a hell of a summer… Room 1I first sought a diagnosis at 19. Following suicide attempt #1.I was driving after dark. Which I wasn't supposed to do… new family rule.See, I'd damaged our car the week before, making a hasty turn into our driveway near Jumping Deer Road in Katonah. Hit the damn stone wall on the way in.This was Westchester County, NY. Local code only allowed a nano break between the 18th-Century stones guarding our yard. Colonial heritage or something… masking slave labor.I'm in the doghouse. With parents already skeptical about letting me go to college. Not “mature” enough.Yet, when the hood and fender are finally fixed? They drop me off on a muggy, hazy June night. Out in the boonies at the old Amawak Service Center on Route 202.“Pick it up and bring it home. No side stops.” Then they instruct me, “Be… careful.” Rolling their collective 4 eyes.I pull out, then wait. The light's gotta change at the 4-lane intersection with Route 35 before I can head home.The light turns green. I go into a weird space in my head. There's… there's some reason I shouldn't turn left… yet… But I watch myself shrug, flick my signal switch, and turn. Right into two lanes of accelerating traffic coming right at me.Don't remember much more. Just the red, don't-turn-yet-idiot arrow. Staring at me brightly… through the windshield that used to be there.I survived. That classic, white 1965 Mustang… didn't. Barely street legal, 271-horse V8 under the hood. Maybe the most collectible American car of all time.A hand-me-down gift to our family from my father's father. Who bragged, “I had to jew the dealer down from 5 grand,” back when he bought it new in '65. A lot of money then.Um, things got tense at home.“You are responsible for your own actions. You are the cause here.”Parental meeting time.“Uh, I don't know what happened.” I couldn't stand these “meetings.” So many in my childhood. This was maybe the worst of all.“I don't know. It… it... just happened.”Making my parents even more furious. These were avid Ayn Rand readers. And my grandfather? He slept beside an orderly nightstand. Mein Kampf tucked tightly in its tidy drawer. My dead father's voice echoes coldly in my mind still. “You are responsible for your own actions. You are the cause here.” But, I stumble on. Making things worse… in my way.“Something's wrong. I don't know what. I'm having horrible visions. Hitting people with the car as I drive by. Hitting their bodies… bones…” I trail off. Into stony silence, I say, “And now something weird happened. I think… I think… maybe I should see a doctor…”Next thing I know, I'm sitting in front of a Westchester County caseworker. Cuz my parents felt a psychologist or private therapist cost too much.I had no idea what I was feeling… much less why.The intake experience was horrific.I felt… badgered.She called it… delicately. “Maybe the accident looked like an attempt to… maybe… harm yourself?” But she continued with a sledgehammer.“I know you have a secret you want to tell me.” Rinse, repeat… Rinse, repeat…I wanted so badly to please her. But had no idea what I was feeling… much less why.Worse yet? There were things I didn't want to tell her. Darker than the physical or sexual abuse she was probably check-listing. Things a traumatized kid might do… himself.I never went back. I told my parents I was uncomfortable talking to her.My dad rocked back in his dark, maple, Early American dining room chair. “Fine. That's your choice.”He paused. Looking directly at my mother as he said to me, “I can see you won't speak to this counselor. I see no reason to look for another for you to talk to. Your decision.”And that was that.We were all dying for freedom.Finally at 63, a psychologist specializing in autism gave me another name, Alexithymia.He said a lot of autistics can know something is wrong. But not know what. And baptized me, Autism Spectrum Disorder… with a side of ADHD.2016 was a good year. A damn fine year.But 1972 was a summer from hell.The last US troops shipped home, fleeing Viet Nam. Palestinians massacred Israelis at the Olympics. My father died that August. The week after he molested me for the last time.We were all dying for freedom.[music]Cuz… if you don't know us… how ya gonna love us.InterludeOkay. Here's the last frag I toss… today. Let's end with joyful moments. Among the dark. Let's end with survival.See, I'm giving you these fragments of my life…Cuz… if you don't know us… how ya gonna love us.And this is part of me, too…[music]I Don't Think I Had a “Personality” as a KidI was busy finding Infinity in a burnt-off ant leg…This one brings home the stakes.The moments of joy along the way… that drew a line under what could have been. Not if they fixed me. But maybe what all of our children could be.If we just listen to them. And support what they say they need.“What are you doing…?”My mother's voice was sharp.I'm lying spreadeagled on the backyard grass, face down.“I've called you three times.” Annoyed. “WHAT are you doing…?”I don't know it in Second Grade… But I have difficulties shifting attention when I'm lost in thought…I try to focus my ears…Then think back,review my short-term memory,and replay the last few moments.Trying to hear and translate anything she might have said while I'm in my private thought bubble…Already at 7, this process of “rehearsing” or “rewinding the tape” to interpret what's going on? It's an automatic, constant routine when I'm around… well, people.Checking for verbal mistakes, missed cues… Just trying to understand, what's going on…?So I'm still trying to sort it out,choose words carefully to explain,clearing my throat,moving my sleeping tongue,loosening my jaw,getting ready to speak…“HEY! WHAT ARE YOU DOING?!”“Umm… Nothing…?” Close as I come to a lie at that age.I've been lying in the grass for an hour or so, exploring with my new magnifying glass.See, there was this great hobby shop in Johnson City. It had all kinds of cool science “toys.” And I had saved my 50-cent allowance for weeks to buy a “Real, hand-held, magnifying glass  —  made with ALL-METAL handle!!”I was entranced.Examining grass leaves, dew drops, and…Ants.Dozens of ants. One after another.Legs.Antennae.Mandibles.Eyes.Guiltily burning off the occasional leg with focused sunlight…Endless fascination…I was in the flow…“Okay. Whatever you are doing…” I wait for the command I know will end my timeless bliss… “Stop doing it. It's time for lunch.”I sigh. Roll over.And. Trudge. In.Hardly sounds like abuse, right…..??Imagine that last, delicious dream you're enjoying as you drowse in a warm snuggly bed… when you don't have to get up…My autistic joys are hard to explain to another person.Pretty much ANY non-autistic person.And trying to… drags me into Deep Philosophical Waters…Imagine that last, delicious dream you're enjoying as you drowse in a warm snuggly bed on a lazy Saturday morning when you don't have to get up…And someone screams, “GET UP!”Eyes pop open. Instantly. You're so startled, for a minute… you have no idea where you are, what you're doing, the time of day, the season…Now… imagine that… if you can…Every. Damn. Day. Many, many, MANY times a day… Every single day of your childhood.Torture.Being startled out of the flow? It's like that.Capisce? Ya dig? Feel me?That's as close as I can think of to explain my moments of autistic flow.Or, better yet, my autistic joys.That same joy you seeon an autistic kid's faceas he dances endlesslyin a sprinkler in the sun…If I had to guess, this is precisely what Being in the Moment, in the Now, maybe even Zen Satori…Mean.Gradually as I aged, these blissful moments became fewer and fewer…Now, that's all preamble to what I really wanna talk about…Here's the deal on Flow…I think that's where I spent most of my time as a young kid.When I wasn't interacting with family, a few schoolmates, parents, one teacher a year… the few humans I let into my life back then.And that time alone… Endlessly exploring, learning, feeling, being… was…Wordless delight.Gradually as I aged, these blissful moments became fewer and fewer… further and further and further apart… nearly gone…First, I was forced into a school system… That I was clearly not wired for.Rigid.Lockstep.Regimented.Regulated.BORING.No Free Time.To simply… explore.Later, of course, it got MUCH worse. Jobs, relationships, finances… Life in Modern Adult America.Like when I founded Unix World magazine. I was so high on the concept and the joy of process… My inner vision won us awards our first year. Western Publishing Association Best New Publication and Best Issue. Beating out Macworld and PC World.Yeah. We won awards. A couple months after I was fired from my own mag. Fired because… in my autistic mind… the game was Create the Most Amazing Publication… Ever.But the whole time, the world was shouting that it was Make the Most Money You Can… Right Now.Snake eyes. I lost.My natural state, left alone to my own devices? Wandering from moment to moment of… fascination.Now, I have some personal speculation to get off my chest.First… I don't think I had a native personality when I was a kid…At least not as bell-curve average humans understand a personality.My natural state, left alone to my own devices? Wandering from moment to moment of fascination. No motivations. No intentions. No (verbal) thought…So… I was either happy exploring in the fields… or with my chemistry set in the basement… or catching polliwogs in Spring pools…Or I was forced to don my “personality.”In other words,the language,facial expressions,body language,polite responses,social lies,and predictable actionsthat humans think of as “personality”…and that social contact demands.Which is so natural for most humans, they aren't even aware of it.Even though they must have it from me… to feel safe.But, for me, “personality” was likebeing dragged out of my comfy pajamas,forced intothe worst, most cumbersome, restrictive, awkward, embarrassing winter coat,ear muffs,muffler,heavy snow boots,and mittensyour mother ever stuffed you intoto shove you onto that bus to kindergarten…And “personality” still is suffocating. Today. In my 70s. Ten years after diagnosed as autistic and ADHD.Especially, “fun times”… They're the real killers.Parties.Intimate conversations…Shudder... Family holidays? So nightmarish, I wrote the 7-page narrative poem sneaking my mother's creepy g-d on high.These are all times I must adopt my “personality.” You know, to survive. No matter how much “fun” they're supposed to be.What pros call “masking”? Really nothing more than exhausting habits of behavior & speech. That I must shroud myself in. Like an embalmed mummy. Just so it's easy for other humans… to feel “comfortable” around me.Not an essential Self. Just, ya know, “personality.”Certainly not me. Nothing comfortable about it.I'm going to hazard a guess.Which may be narcissistic delusion… Flow seems awfully close to what the Buddha described as experiencing “no-self” vs. the “conditioned mind.”From at least age 2 on, I clearly remember lucid dreaming and long periods of time spent without verbal thought of any kind. Just perceiving, in awe and wonder…EVERYTHING.Until I had to interact with humans. Any humans. Even those I was required… to “love.”And donning the “personality”? The joy collapsed. Fast as a quantum waveform when you try to measure it. Not into pain…Collapsing into an all-absorbing effort.Intellectualizing every word,gesture,tone of voice of my own…Then interpreting all those of each and every human I was with at the time…and THEN determining precisely the right word,tone of voice,facial expression,and body attitude to project back…all at the same timeTo avoid being in trouble.Because I was… Bad.And I had to protect everyone around me from that.Every. Single. Second…And even at a young age, a growing sense of the need to protect others…From me.Because I was different. Because I hurt people without understanding. Because I acted as if I were “arrogant”… etc., etc.Like two divorces. Cuz I could be amazing for 3 to 6 months. Caring. Fun as hell. Then fall into deep depressions and work burnouts. Cuz I couldn't handle that much intimacy. Hell, that much time alone with another human…Because I was… Bad.And I had to protect everyone around me from that.Every. Single. Second… That I am with another human.Except very young children. And of course, animals… Since I was… 4 years old.Now since diagnosis, I found a few tricks.In 2019 when I first started writing about my autism, I was all about lists. Trying to “help” others. Took me a year or two to realize we are… every one of us autists… different. Different lives. Different needs and goals. Different survival skills.So I'm only an “expert” on my own life. Even if I am the only expert on that there is.Your mileage certainly will vary.But for me? My autistic life is not about “getting better.” Or fixing me. It's about knowing who I truly am. And what I truly need. Doing what I can to meet those needs.Then being… me.So I moved to the Country…Living in the trailer across the courtyardFrom my third, loving wifeWhere I can reduce sensory overload.Reduce the number of humans I talk with To only folks I feel comfortable around.And stopped failing at jobs I was never built to do.But I… now… can pursue those things that have brought me joy since childhood.Spending unstructured, unmeasured time on any of my passions…walking in the wildest Nature I have access to,baking bread,fermenting pickles,gardening,deep-focus while replaying a favorite movie… that seventh time,illustrating,writing,playing music,researching world events….so, so many others.When I pursue a “special interest”… alone? Sometimes it's nearly orgasmic… In fact, I've redefined my understanding of my passions.They're not a forbidden pleasure. A shameful quirk. Something I “waste time on” when there's nothing more important to do.They are my gateway to Bliss, Satori, Oneness… Maybe even whatever God is… or Isn't…I'm not talking toxic positivity. My autistic joys aren't some advanced spiritual state I've achieved in my 70s. And now, suddenly… I'm here to tell you how to make everything okay. And talk you into buying your 5th NEW self-help system on the way out the door.But my joys are moments of love and happiness sprinkled through most of my days. Between meltdowns and burnouts. And some average life.They are my reason for Being.There are just NOT 7 Easy Things that Successful Autistics Do…That Will Change My Life Forever.There's just living complex… and in the end… wild autistic life.being old & autistic ain't so bad.losing inhibitions.some of which protected me from…Life.freedom turns out to be pain…and joy…in superposition.until maybe they annihilate you.Notes from the bardobefore the bardoI learned a lot that Spring afternoon on the lawn in Johnson City.I saw Infinity in a burnt-off ant leg.And, eventually… I went for it.[music]OutroNow you know. So... there ya go.This project is consuming me. In that good, auDHD passionate way. Cuz your response keeps me going.If it meant something to you… I bet you know someone else it will mean something to. Share it.Everything's free at autisticaf.me. For everyone. On me.Stay weird.Stay fierce.Stay alive. * If this 3 fragments grabbed you… binge them all in order here: The Book: Frag by Frag.Click to get the next frag in your inbox free. Plus a PDF of my chapbook. To support my work, consider a paid subscription.These fragments are from my upcoming autobiography, Autistic Noir: My Life is My Art, arriving Fall 2026.I'm building a book out loud. Fragment by fragment. Just like I lived it.The Next ActDon't trust a corporate algorithm's decision about whether you get to see the next excerpt or not.Join my Substack for free… and the next fragment comes straight to your inbox. And you get a free digital download of my complete poetry chapbook.* Unlock the next act for free.Why I Write My AutobiographyI'm only an expert on my own life. Born 1953, diagnosed at 63. Your mileage will vary.Individual minority voices speaking truth out loud? They build bridges to mainstream readers. Think Malcolm X. Think Maya Angelou, Think Janet Mock's Redefining Realness.This Fall, I hope to deliver that kind of impact, that power with My Autistic Life is My Art. For our neurodivergent community.Since 2019 I've published a quarter of a million words. Over half the size of the Lord of the Rings trilogy.Gotta be a pony somewhere in that shit. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit johnnyprofaneknapp.substack.com/subscribe

This week's Money Diary is for anyone who's ever felt like their relationship with money was shaped long before they earned their first paycheck. Growing up, money was always part of the conversation in her house. But not in a good way. She watched her mum give up career opportunities, financial independence and choices, while money was treated as something that belonged to someone else. And without realising it, she carried those lessons into adulthood. Spending became freedom. Saving felt impossible. And for years, she bounced between worrying about money and avoiding it altogether. At 31, things look very different. She's earning around $130,000 a year in mining recruitment, has built her savings to $60,000, started investing, and is on track to hit $90,000 in savings by the end of the year. Not because she's perfect with money, but because she finally realised that financial security isn't about restriction. It's about choice. We chat about growing up in a household where money created tension, the spending habits that took years to unlearn, the pressure to buy property when everyone around you seems to be getting ahead, and why she's determined to create financial independence for herself, even while in a loving long-term relationship. This conversation felt like such an important reminder that your money story doesn't have to end where it started.SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Let me tell you a little secret about me. There's almost nothing in this world I love more than a four-scoop sampler from my Handel's Homemade Ice Cream. And if you're thinking I'm just being another melodramatic “content creator” seeking attention…think again! My now wife (then girlfriend) literally joked early in our relationship about “if I loved her more than Handel's” because that was such a high measuring stick. But all joking aside, the biggest issue is that my lactose-intolerant wife and my first love (aka Handel's) you know since I grew up in Youngstown, Ohio haven't gotten along! Handel's Homemade Ice Cream is beautifully old school in the most indulgent way possible…and unfortunately that meant lacking delicious non-dairy options. Well, to my surprise…I just read about Handel's partnering with Oatly, utilizing their full fat Oatmilk in three new indulgent non-dairy ice cream flavors this summer. So, I guess now my only problem is that I live in Southeast Houston…and the closest Handel's location is about an hour away!

Knowing how much income you'll need in retirement is a key variable in determining how much you need to have saved before you stop working. But what many people believe about how spending progresses over the course of retirement is wrong. Host Robert Brokamp speaks with David Blanchett, the head of retirement research at Prudential Financial and a portfolio manager for PGIM, about what the data shows about real-life retirement spending. Topics covered include: -Why retirees may not need as much inflation protection as is commonly recommended-Healthcare expenses: the retirement wildcard-Why the reality of retirement spending could result in a higher withdrawal rate-Other factors that suggest retirees could withdraw more than the “4% rule” Host: Robert Brokamp, CFP®, EAGuest: David Blanchett: Ph.D., CFP®, CFAEngineer: Bart Shannon, Kristi Waterworth Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The New Labour old boy was at one time a front runner to lead his Party. But after a scandalous resignation from Gordon Brown's Cabinet, it seemed his political career was over…until now. James Purnell grew up between France and Guildford. Spending his teenage years at the fee-paying Royal Grammar School, he was known for his distinctive Parisian style and ‘Rupert the Bear' trousers. A fan of the theatre, golf, and student politics, he began establishing a network that would prove fruitful for a high-flying career. This continued at Oxford - where he studied Politics, Philosophy, and Economics - and spent summers interning with up-and-coming Labour politician, Tony Blair. His career took off early - serving as a councillor in Islingon, Head of Corporate Planning at the BBC, and then Special Advisor to the prime minister all in his 20s. In 2001, he was elected MP for the northern seat of Stalybridge and Hyde, and soon climbed the ranks of government, serving as a minister in Gordon Brown's government. Purnell weathered storms and scrutiny, before generating a scandal of his own: a failed coup against the prime minister, resigning from the cabinet in 2009. Now, after decades out of Westminster - with top jobs at the BBC, University of the Arts London, and a corporate advisory and lobbying firm under his belt - he's back. Andy Burnham, James Purnell's former flatmate and football buddy, will become prime minister on Monday. And he's invited his old friend back as his Chief of Staff. What will the so-called ‘Ant and Dec of New Labour' do when they take the reigns of government next week?Production: Presenter: Becky Milligan Producers: Tom Gillett, Ellie House Production Coordinator: Maria Ogundele, Siobhan Reed Sound: Neil Churchill Editor: Justine LangArchive: FA TV

Join Us for DealMachine Unveiled: https://www.dealmachine.com/unveiled Damon Lines runs Sellers Advantage, a Southern California wholesaling company that spends over $1 million a month on real estate marketing. In this episode, he breaks down how that budget gets split across TV, radio, billboards, mail, and PPC, and why some channels lose money for months before they pay off. He also shares what building a 23-person team taught him about scaling marketing without losing control of the results. KEY TALKING POINTS: 0:00 - An Overview Of Damon Lines' Business 0:46 - Branding Across Markets 1:51 - How The Partnership Formed 6:53 - The Foreclosure Auction Model 12:45 - Selling The Company & Going Direct-To-Seller 14:57 - TV Costs & Marketing Mix 20:41 - Team Structure 22:09 - Scaling Too Fast & Systems 26:50 - Fox Appearances & LA Market 31:01 - What Buyers Do With Deals 34:58 - Damon's Investing Strategy 39:57 - Advice For Beginners 41:42 - Where To Find Damon 43:54 - Outro LINKS: Instagram: Damon Lines https://www.instagram.com/damonlines/   Website: Sellers Advantage https://www.sellersadvantage.com/   Instagram: David Lecko https://www.instagram.com/dlecko   Website: DealMachine https://www.dealmachine.com/pod   Instagram: Ryan Haywood https://www.instagram.com/heritage_home_investments   Website: Heritage Home Investments https://www.heritagehomeinvestments.com/ 

In this episode, Carl introduces a simple practice that can transform your relationship with money—one spending decision at a time. Since spending is our most frequent interaction with money, he suggests treating it as a daily practice rather than something to do on autopilot. For the next 30 days, every time you spend money, pause for three seconds and simply notice what happened, approaching it with curiosity instead of judgment. Carl explains why this small habit of awareness can quietly reshape not only how you spend, but how you relate to money itself.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

Daniel Sperry, of the KC Star, joined The Drive to recap all the moves that Sporting KC had made recently in hopes to improve the roster.

Getting TOO CLOSE to wild animals in National Parks? The final word on how far away to be. See omnystudio.com/listener for privacy information.

About 139,000 Nevadans currently have suspended driver's licenses, many of them because of unpaid traffic fines. But the suspensions meant to push people toward compliance are largely backfiring. Then, the LVCVA just approved a $100 million sponsorship payment to F1 through 2037 and handed its CEO Steve Hill more than $800,000 in annual pay and bonuses. Are Las Vegans seeing their tax dollars distributed properly? Host Jesse Merrick digs into those stories with Nevada Current reporter Michael MJ Lyle and journalist Naoka Foreman. And in our members-only bonus segment, Boulder City's fight against a federally approved data center is heating up — the team explains why this battle is likely bigger than many people realize. Learn more about the sponsors of this Friday, July 17th episode: Foundation for Women's Leadership & Empowerment Want to get in touch? Follow us @CityCastVegas on Instagram, or email us at lasvegas@citycast.fm. You can also call or text us at 702-514-0719. For more Las Vegas news, make sure to sign up for our morning newsletter. Learn more about becoming a City Cast Las Vegas Neighbor at membership.citycast.fm. Looking to advertise on City Cast Las Vegas? Check out our options for podcast and newsletter ads at citycast.fm/advertise.

Rebecca Walser talks about why she believes markets are selling off tech as Friday's trading session continues that weakness in the sector. She discusses CapEx concerns surrounding hyperscalers like Alphabet (GOOGL) and Microsoft (MSFT), while highlighting sectors she sees having strong AI momentum. Rebecca also talks more about her expectations for the earnings season ahead. ======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored by CNBC's Jill Schneider. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Former Democratic Governor Gary Locke told a statewide economic summit that Washington's legislature has "no budget discipline," warning that one-time money is being locked into permanent programs with no plan to sustain them — even as the state faces a projected budget deficit. https://www.clarkcountytoday.com/opinion/video-ex-governor-locke-criticizes-washingtons-out-of-control-spending/ #WashingtonState #GaryLocke #Olympia #StateBudget #FiscalPolicy #AWB #WashingtonPolitics #BudgetDeficit #GovernmentSpending #Politics

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With all the AI weakness rattling Wall Street, Charles Schwab's Joe Mazzola says investors will be watching hyperscaler earnings more than ever. However, he adds that the macro picture is "pretty good" right now, showing that the inflation ascension is slowing and offering reprieve to tech. Kasey McCurdy takes a closer look into hyperscaler CapEx and explains why the Big Tech trade isn't as "binary" as some may expect. He talks about how investors can rebalance their portfolio as tech volatility persists. ======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

#287: Chris and Brad Barrett revisit "Die With Zero" and confront how much harder Bill Perkins' ideas are to live than to agree with. They dig into when frugality flips from superpower to liability, the maximizer's struggle to let go, optimizing for the perfect Tuesday over the once-a-year trip, and giving money to your kids while it still matters. Brad is the co-host of the ChooseFI podcast and co-author of Choose FI: Your Blueprint to Financial Independence. Link to Full Show Notes: https://chrishutchins.com/die-with-zero-revisited-brad-barrett/. Partner Deals Gelt: ⁠Skip the waitlist on personalized tax guidance to maximize your wealth Fabric: ⁠Affordable term life insurance for you and your family Thrive Market: ⁠30% off your first order of organic groceries + a free $60 gift Bilt Rewards: ⁠Earn the most valuable points when you pay rent MasterClass: ⁠Learn from the world's best with 15% off For all the deals, discounts and promo codes from our partners, go to: ⁠chrishutchins.com/deals Resources Mentioned Brad Barrett: Website | X Book: Choose FI: Your Blueprint to Financial Independence Podcast: The ChooseFI Podcast Newsletter: The ChooseFI Newsletter The Tuesday Project Books & Articles Die With Zero: Getting All You Can from Your Money and Your Life The Tail End by Tim Urban The Skill of Spending | Mr. Money Mustache Tools The Big Ass Calendar Copilot Money ATH Podcast Ep #68: Hosting Cocktail Parties, Building Relationships, Museum Strategies and Friends Newsletters with Nick Gray Ep #189: Beyond the 4% Rule: Smarter Strategies for Financial Independence with Karsten Jeske Ep #282: Saving Money and Optimizing is My Kryptonite Ep #285: Why Net Fulfillment Beats Net Worth with Bill Perkins Best Cards Page Newsletter AMA: Submit Questions Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (02:14) Revisiting "Die With Zero" Four Years Later (06:50) Is Intentional Frugality a Superpower? (08:48) Where Chris Still Struggles to Spend (15:04) The Psychology of Spending (19:53) Maximizer vs. Satisficer: What Are You Optimizing For? (23:35) Matching Your Effort to the Season of Life You're In (25:04) How to Let Go When You Want to Do Everything (31:50) Optimizing for Lasting Happiness (37:23) Don't Run Away From What Lights You Up (38:43) What Are You Actually Chasing More Money For? (44:01) What Are You Really Saving For? (45:46) Giving Money to Kids (and Causes) While It Still Matters (50:40) Hedging Retirement Risk by Moving, Not Working Longer (53:00) Fear Wasting Your Life More Than Running Out of Money (57:52) Chris's Vision for a Family Summer Camp (01:02:36) Building a Time-Bucket List of One-Off Dreams (01:03:44) The Case for Doing "Nothing" on a Trip (01:04:23) Chris's Three Main Takeaways (01:06:23) Lowering the Barrier to Real-Life Connection (01:09:55) Defining Net Fulfillment For Yourself Connect with Chris ⁠⁠Newsletter⁠⁠ | ⁠Membership⁠⁠ | ⁠X⁠⁠ | ⁠Instagram⁠⁠ | ⁠LinkedIn⁠⁠ Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you have the opportunity to spend an extended time travelling - like an entire year - I say, grab it! In this episode I chat with three people who’ve had the good fortune to stay away from home for a year, for very different reasons and in many varied parts of the world - what they have in common is that these experiences were very impactful and meaningful. I chat first with Riana Ann-Canning who explained the first time she spent an extended period living abroad, on a youth mobility visa in the Czech Republic. Next, Amy Willis describes a fascinating year on a digital nomad program which saw her move countries each month. Finally, Jonty Crane tells me about his year spent volunteering in the little-touristed nation of Timor-Leste. Links: Riana Ang-Canning - https://teaspoonofadventure.com/ Amy Willis from Ker & Downey https://kerdowney.com/ Amy's Instagram - https://www.instagram.com/amynwillis/ Jonty Crane - https://jontytravels.com/ Exploring Timor - https://www.exploringtimor.com/ Join our Facebook group for Thoughtful Travellers - https://www.facebook.com/groups/thoughtfultravellers Join our LinkedIn group for Thoughtful Travellers - https://notaballerina.com/linkedin Sign up for the Thoughtful Travellers newsletter at Substack - https://thoughtfultravel.substack.com Show notes: https://notaballerina.com/396 Support the show: https://thoughtfultravel.substack.com/See omnystudio.com/listener for privacy information.

AI spending is still powering parts of the market, but IBM's warning raises a bigger question about whether companies can keep funding the boom without cutting elsewhere.Chuck Zodda and Marc Fandetti break down why a flood of stock and bond issuance is testing investor appetite, how IBM's earnings warning highlights the pressure AI spending is putting on older software and consulting businesses, and why hyperscalers may eventually need to prove that AI can replace labor rather than simply assist workers. They also discuss ASML's stronger outlook, why the Magnificent Seven have struggled despite earnings growth, what to watch for if data center spending slows, and Todd Lutsky's explanation of what the Medicaid application process really requires.

Is Wall Street chasing the wrong side of the AI boom?Peter Boockvar, Chief Investment Officer at OnePoint BFG Wealth Partners, joins Maggie Lake to explain why the real bubble isn't artificial intelligence itself—it's the massive capital spending fueling the AI race.In this wide-ranging conversation, Boockvar discusses why investors should be cautious about semiconductor stocks, how China's rapidly advancing AI and memory-chip companies could pressure profit margins, and why he believes the market is entering a new phase where stock selection matters more than simply owning the hottest sector.Peter also explains why rising real interest rates are sending an important message, why government debt and deficits are becoming a bigger concern for markets, and why he continues to view gold as an attractive long-term investment despite its recent pullback.Whether you're investing in AI, technology, precious metals, or the broader market, this conversation offers valuable insights into the risks—and opportunities—that could shape the next phase of the investment cycle.

Philosopher Stefan Molyneux discusses female spending on this 10 July 2026 livestream, showing how women burn money on clothes, makeup, eating out and travel while piling up debt in low-return college fields.Sources: https://fdrurl.com/femalespendingGET FREEDOMAIN MERCH! https://shop.freedomain.com/SUBSCRIBE TO ME ON X! https://x.com/StefanMolyneuxFollow me on Youtube! https://www.youtube.com/@freedomain1GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/FREEDOMAIN2026

Markets are balancing strong earnings expectations with rising geopolitical tensions, higher oil prices, and persistent inflation concerns. Plus, AI investment, hyperscaler spending and sector rotation continue shaping market leadership as earnings season begins. Later, investors watch Fed testimony, inflation data and corporate outlooks for clues on interest rates, consumer demand and the next move for stocks. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Reaching financial independence is supposed to be the goal—but what if you get there and realize the real skill isn't earning or saving, but learning to spend? And what if the metric for business success has nothing to do with revenue growth and everything to do with protecting your nervous system? Key Topics Discussed Introduction and the Hidden Curriculum 00:00:00 Brad introduces the concept of life's hidden curriculum—essential lessons never explicitly taught but crucial to building extraordinary lives, including the question extraordinary people consistently ask: "What am I missing, and how could this be useful to me?" Redefining Business Success 00:08:00 Diania explains her counterintuitive decision to keep the EconoMe Conference capped at 500 attendees despite selling out 9+ months in advance, redefining success around maintaining a calm nervous system rather than maximizing revenue or scaling. Enoughness and Simplifying Life 00:15:00 A discussion about determining "enough" in business, friendships, and life overall. Brad shares why he chose not to scale ChooseFI to Dave Ramsey levels, and both explore the power of intentional constraints. The Tuesday Project 00:22:00 Brad introduces his framework for designing FI around what your ideal average Tuesday looks like—waking without an alarm, taking walks in green space, accessing amenities on foot—rather than focusing solely on extraordinary experiences. Daily Routines and Time Abundance 00:30:00 Diania shares her 4-5 AM morning routine, one-meeting-a-day philosophy, and how she structures days with intention and flexibility to protect both productivity and mental space. The Skill of Spending in FI 00:42:00 Both hosts examine the challenge of learning to spend money intentionally after reaching FI, including examples like grocery delivery services and making purchases without the scarcity-driven research habits that got them to FI. From Scarcity to Abundance 00:55:00 Diania reveals how her annual spending increased from $60K to over $100K—all on discretionary categories like health, relationships, generosity, and travel—while caring about money less than ever. She shares her recent $29K car purchase and why FI as a goal became irrelevant once the journey transformed her life. Values, Idealism, and Materialism 01:08:00 A deep exploration of understanding true values versus social programming, the realization of not actually wanting the status symbols you thought you did, and how reducing materialism creates space for idealism. Health and the Better Body Challenge 01:18:00 Diania details her transformative six-month fitness accountability challenge requiring 5 weekly workouts, 70,000 steps per week, daily protein goals, and data uploads—with a $100/week fine for missing targets. Backing Yourself Into a Corner 01:32:00 Discussion about public accountability, understanding what motivates you personally, and intentionally creating circumstances that ensure follow-through on worthy goals. Notable Quotes Brad Barrett: "A lot of people who consistently build extraordinary lives ask, what am I missing, and how could this be useful to me?" Diania Merriam: "Success is a calm nervous system for you personally." Diania Merriam: "I'm not looking for followers. I'm not looking for customers. I really look at them as my peers." Diania Merriam: "My risk has flipped from running out of money to running out of time. I am much more willing to waste money than to waste time." Diania Merriam: "The less materialistic I am, the more idealistic I get to be." Key Takeaways Identify one area where you're using scarcity mindset despite financial security and experiment with an abundance-based decision Design your Tuesday Project: write down what your ideal average Tuesday would look like in FI and identify what's preventing that now Audit your attention: identify what's stealing your focus in ways that don't align with your values and set one boundary Consider joining an accountability group for a goal…

Whether you're feeling guilty about overspending or guilty about not spending enough, shame around money can get in the way of your goals. In this episode, Marielle Segarra talks with certified financial planner Lauryn Williams about how to address financial guilt and align your spending with your values.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitSee pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

(00:00) Just in News flash! A bison in Yellowstone attacked a 65 year old, Gemelli lit his house on fire?! (00:16:22.99) Bill Koch from the Providence Journal joins the show to talk about all things surrounding the Red Sox. (00:30:25.07) Ryan Johnston shares how much money he likes to spend time while traveling compared to Wallach. Please note: Timecodes may shift by a few minutes due to inserted ads. Because of copyright restrictions, portions—or entire segments—may not be included in the podcast.CONNECT WITH TOUCHER & HARDY: linktr.ee/ToucherandHardyFor the latest updates, visit the show page on 985thesportshub.com. Follow 98.5 The Sports Hub on Twitter, Facebook and Instagram. Watch the show every morning on YouTube, and subscribe to stay up-to-date with all the best moments from Boston's home for sports!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Amazon Kindle Scribe feels just like writing on paper and helps keep pages of notes organized and easy to read. Get yours here https://amzn.to/4peFOKQ What's the #1 money habit that separates winners from losers? What stops the thousand small cuts you're making every single day that you refuse to see? Caleb Hammer has reviewed thousands of financial disasters on his show Financial Audit, and he's breaking down the tactics that separates people who build wealth from people who stay stuck forever. From collections to car loans to OnlyFans subscriptions, he's seen it all. And in this episode, he's pulling back the curtain on what actually works, what's killing your future, and why most people would rather look rich than be rich. In this episode, you'll learn: Why 40% of Americans can't afford a $400 emergency and how not having an emergency fund starts the debt snowball that destroys everything The 50/30/20 rule: 50% needs, 30% fun, 20% investing, and why people think Caleb is stingy when he's actually telling you to spend a crazy amount on fun once you cut the BS The real difference between people who change and people who don't: action words versus future words, and why I'm gonna means nothing if the documents show you aren't doing it now ___________ (00:00:00) Introduction: Budgeting Is the Snowball That Starts Every Financial Disaster (00:00:52) The Red Flags: Collections, Repos, and the Death by a Thousand Cuts (00:06:14) The OnlyFans Economy: Loneliness, Parasocial Relationships, and Paying Indian Telemarketers (00:08:00) The Average American Is Broke: 40% Can't Handle a 400 Dollar Emergency (00:10:54) Budget or Die: The One Non-Negotiable Rule That Changes Everything (00:12:01) The 28 Dollar Lunch Debate: Avocado Toast, Death by a Thousand Cuts, and Owning Your Choices (00:13:45) Housing, College, and Health Care: The Three Things Actually Screwing Gen Z (00:19:38) The Car Trap: Why Americans Justify 1000 Dollar Payments for Grocery Runs (00:23:27) Dave Ramsey Is Wrong: The 1000 Dollar Emergency Fund and the 6% Withdrawal Myth (00:26:33) Bill Gates Doesn't Know the Price of Rice-A-Roni: The Disconnect of Wealth (00:27:45) The 100K Investment Blueprint: Target Date Funds, Index Funds, and Killing High-Interest Debt First (00:29:19) Pokemon Cards, Tulip Mania, and NFTs: Why Speculation Always Ends the Same Way (00:30:58) The Dumbest Investments: Gold Mines in Uganda, CDs, and Risk-Averse Spending Addicts (00:34:21) The SpaceX IPO: Trillion Dollar Valuation, NASDAQ Rule Changes, and Betting on Elon (00:37:43) Caleb's Origin Story: From Negative 90K in Debt to 250K Net Worth in Six Years (00:41:34) The Five-Step Blueprint: Budget, Find Your Market Fit, Kill Debt, Emergency Fund, Invest 20% (00:42:58) The 50-30-20 Rule: 30% on Fun Is Not Stingy, It's Generous as Hell (00:48:05) War Stories: The Streamer Who Made Two Cents a Month and Still Wouldn't Quit (00:50:49) The Car Defense: Why People Fight to the Bone Over a 40K Net Gain (00:51:31) Breaking Someone's Frame: The Kids Argument and the N-Word Incident (00:54:36) The Action Test: I'm Gonna Versus I Am—How to Tell If Someone Will Actually Change (00:55:28) 28,000 Dollars in Debt Paid Off in 12 Months: The Financial Audit Success Rate (00:56:29) The Anchor Problem: When One Partner Drags the Other Down Financially (00:57:24) Couples Therapy, Prenups, and When to Walk Away from Financial Disaster (00:58:07) Underrated Purchases and Mint Chocolate Chip: The Flavor That Tastes Like Mouthwash (01:00:59) The Money Rule Caleb Struggles to Follow: Spend More and Take a Vacation (01:02:01) Hammer Elite: 110,000 Subscribers and Building a Premium Content Empire (01:02:54) Political Audits: Governors, Senators, and Why Newsom Said No (01:04:27) The Federal Debt Crisis: Pentagon Audits, Social Security Cuts, and the 25% Haircut in Five Years (01:04:57) Centrist Economics, Right-Wing Coded Jokes, and Why Both Parties Suck at Spending (01:09:27) The Final Word: Every Day You Wake Up, You Choose to Be a Retard or Not—Choose Wisely ___________ MORE FROM BIGDEAL

Whether you're feeling guilty about overspending or guilty about not spending enough, shame around money can get in the way of your goals. In this episode, Marielle Segarra talks with certified financial planner Lauryn Williams about how to address financial guilt and align your spending with your values.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitSee pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

In this episode, Emily interviews Richard Coca, a 3rd-year PhD student at Boston University. Richard breaks down his budget, detailing his top five largest expenses: rent, groceries, eating out, hobbies, and social spending. He rents a bedroom and private bathroom in a shared home convenient to public transit in East Cambridge, and the higher rent is offset because he does not own a car. Richard has developed two intensive hobbies since starting grad school: running and stand-up comedy. To participate in those hobbies, he spends on race entry fees, shoes, and drinks and meals at venues. Richard used to overwork and be much more frugal; he now spends more on his hobbies, eating out, and friends, but he's still reaching his goal of maxing out his Roth IRA every year. He feels mentally and physically healthy and is happy with his work-life balance.

Spending a few months at her grandparents' house seemed like a welcome escape from everything happening at home. But a quiet Christmas Eve changed that when she was awakened by the sound of someone crying just outside her bedroom window.By morning, she was ready to convince herself she'd imagined it—until her grandfather casually mentioned hearing it too.That should have been the end of the mystery. Instead, it became the beginning.Because the more she asked questions, the more it seemed everyone in the family knew something... and no one was willing to tell her what it was.#RealGhostStory #ParanormalEncounter #UnexplainedVoices #CryingInTheNight #HauntedHouse #FamilySecrets #SupernaturalExperience #ThingsThatCantBeExplained #ParanormalActivity #WhatDidGrandpaKnow Love real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access:

After an earlier feature project collapsed, filmmakers Amanda Drexton, Michael A. Drexton, and Samantha Westervelt decided to stop waiting for permission and make Sour Party with the people, locations, equipment, and lived experiences already available to them. They discuss financing and shooting the microbudget comedy, surviving festival rejection, finding a distributor, budgeting for post-production, and campaigning through Decentralized Pictures until Steven Soderbergh selected the film to receive his support and the “Steven Soderbergh Presents” credit. In this episode, No Film School's GG Hawkins and guests Amanda Drexton, Michael A. Drexton, and Samantha Westervelt discuss... Turning the collapse of a planned feature into the motivation to make Sour Party Expanding earlier short-film ideas into a female-led Los Angeles buddy comedy Writing around the actors, locations, equipment, and personal experiences they already had Financing the production with a small-business loan, credit cards, deferred rates, and community support Moving quickly from the first draft to production rather than waiting for outside permission Shooting an 80-minute feature over approximately 19 days with mostly 12-hour production days Navigating festival rejection before premiering at the Chattanooga Film Festival and winning its Audience Award Building relationships with filmmakers and festival supporters who helped champion the movie Choosing a smaller distributor that offered accessibility, communication, and flexibility Why a distribution agreement does not necessarily include a minimum guarantee or a marketing budget Applying for Steven Soderbergh's Decentralized Pictures grant to secure prints and advertising support Spending months campaigning through the platform's community-based voting process Pulling the film from its scheduled release after Soderbergh selected it and offered to present the movie Setting up a collection account to manage investors, deferred payments, points, residuals, and revenue distribution Planning for post-production costs, including music licensing, legal work, sound, color, deliverables, and distribution expenses Negotiating music licenses when the production could not afford the initial quoted prices Learning to consider production logistics while writing future projects The importance of collaborators whose different skills combine into a shared creative vision Why filmmakers should view their careers as a long game rather than measuring success by age Building the soundtrack around Samantha's former band, Egg Drop Soup, and other local female artists How DCP Plus aims to offer independent filmmakers a more transparent distribution option Why audience reviews, word of mouth, and communal viewing remain important for microbudget films Memorable Quotes: “We're not waiting for permission. So we just did it.” — 05:37 “My big advice is just do it. You'll figure it out. You're going to make mistakes. Just do it. And also, do not forget about post.” — 32:39 “The best negotiation tactic is to just actually not have the money.” — 33:27 “Your community is your superpower.” — 43:41 Guests: Amanda Drexton Michael A. Drexton Samantha Westervelt Resources: Sour Party on IMDb Sour Party is scheduled to be available July 24 on digital rental platforms, including Amazon, Apple, Fandango at Home, DirecTV, and DCP Plus. Find No Film School everywhere: On the Web: No Film School Facebook: No Film School on Facebook Twitter: No Film School on Twitter YouTube: No Film School on YouTube Instagram: No Film School on Instagram

Are you actually spending too much, or does it just feel that way because of where you live? In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench break down a new budget benchmarking tool that compares your spending to households like yours using real government data, regional cost-of-living adjustments, fair market rents, childcare costs, and local pricing. They explain the difference between cost of living and affordability, compare high-cost and low-cost cities, and show how housing, transportation, and income all impact your path to financial independence. You'll learn how to benchmark your own budget, identify areas where you may be overspending, and use data, AI, and your own transaction history to make smarter financial decisions. Whether you live in a high-cost city or a low-cost market, this episode will help you optimize your spending, increase your savings rate, and reach financial independence faster. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/ Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney  Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney We believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's show asks one of the trickiest questions in personal finance: when does a good habit go too far? Saving is great. Cutting expenses can change your life. Earning more can open doors. But what happens when you optimize so hard that you accidentally squeeze the joy out of the whole plan? Joe, Doug, Diana Merriam from EconoMe, New York Times financial writer Paulette Perhach, and Doc G from Earn and Invest dig into the messy middle between YOLO and never spending a dime. Plus, Doug brings hockey trivia, the panel talks odd jobs, and everyone tries to define what "enough" actually means. You'll see very quickly why this episode is an integral part of greatest hits week!What You'll Walk Away WithWhy reducing expenses works best when it removes waste -- not when it turns your life into a deprivation contestDiana's throw-pillow test: how to ask whether you actually want something or just inherited the idea that you're supposed to want itThe difference between frugal and cheap -- and why ironing hotel toast or stealing dealership coffee might be a sign you've crossed the lineWhy Doc G says saving money is only useful if it eventually becomes fuel for the life you want to liveThe case for "YOLO responsibly": automate the saving first, then give yourself room to spend without turning every purchase into a morality playWhy high savings rates can be powerful in your 20s -- especially when friends turn frugality into a shared goal instead of social isolationPaulette's reminder that money habits aren't just math; ADHD, dopamine, entrepreneurship, and self-compassion can all change how saving feelsWhy earning more often matters more than cutting more -- and how Diana's denied raise helped push her toward building her own thingDoc G's hospice-doctor warning: nobody gets to the end wishing they had worked more nights and weekends to hit a slightly bigger net worthWhy Coast FI may be the healthier goal for some people: save enough to create options, then stop tolerating work or lifestyles that no longer fitThe guardrails idea: avoid both extremes -- wasting your future and wasting your presentWhy This Matters NowIt's easy to turn personal finance into a scoreboard: lower expenses, higher savings rate, bigger income, faster FI date. But the real goal isn't winning the spreadsheet. It's building a life that feels secure, flexible, and worth living while you're still living it. This conversation is a reminder to use money as a tool, not a dare.From the BasementJoe Saul-Sehy gathers a rare Friday card table with Diana Merriam, Paulette Perhach, and Doc G to talk about saving too much, spending too much, working too hard, and finding the middle before the middle finds you. Doug is salty about not going to FinCon, the panel debates FIRE extremes, someone brings up homemade Gatorade, and the trivia question involves hockey nets. No word yet on whether Mom has removed the throw pillows upstairs.Resources MentionedMrStingy.com -- "Too Much of a Good Thing: Taking It Too Far"Diana Merriam -- EconoMe Conference; economeconference.comDiana Merriam -- Optimal Finance DailyPaulette Perhach -- pauletteperhach.comPaulette Perhach -- New York Times personal finance writing, including ADHD and moneyDoc G / Jordan Grumet -- Earn and Invest podcastDoc G -- Wealth with PurposeThe Fioneers -- referenced in the lifestyle design conversationFrugalwoods -- referenced during the throw-pillow/minimalism discussionStacking Benjamins Newsletter, The 201 -- stackingbenjamins.com/201Stacking Benjamins Community, The Basement -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Mary Kissel. NATO's New Vigor and the European Defense Dilemma. Mary Kissel discusses NATO's renewed urgency following Russian aggression in Ukraine. While front-line nations like Poland exceed spending targets, many Europeans have historically relied on the U.S. defense umbrella to fund social welfare states. She warns that Putincontinues to test NATO's unity at the margins. (5)

A.M. Edition for July 7. As President Trump heads to Turkey for a NATO summit, Brussels Bureau Chief Daniel Michaels says the alliance is rushing to find replacements for the bombers, warships and soldiers that Washington says member nations can no longer rely on in a crisis. Plus, Democratic Party leaders urge Graham Platner to quit the Maine Senate race, a key path to winning a Senate majority in November. And as SpaceX joins the Nasdaq-100, WSJ markets reporter Hannah Erin Lang says investors in index trackers are exposed to Elon Musk's rocket company whether they like it or not. Daniel Bach hosts. Sign up for the WSJ's free What's News newsletter. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.