Podcasts about start building

In the final installment of the Compounding Clinic series, Doc Danny explains why stability is the ultimate advantage for cash-based physical therapy clinics. Learn how recurring revenue, outcome-based plans of care, and long-term patient relationships create more predictable growth, stronger profitability, and a better quality of life for clinic owners. In This Episode, You'll Learn Why stability beats volume in clinic growth The biggest mistakes Danny would fix if starting over How the volume treadmill traps clinic owners Why recurring revenue changes business economics The importance of outcome-based plans of care Why 40% recurring revenue is a powerful benchmark How recurring revenue increases enterprise value The connection between business stability and personal freedom Why implementation matters more than information Key Takeaway The strongest clinics aren't built on constantly replacing discharged patients. They're built on systems that create stability, recurring revenue, predictable growth, and long-term patient relationships. Technology Spotlight Reduce documentation time and improve patient engagement with Claire AI. Start your free 7-day trial. Upcoming Training Learn how PT Biz uses Meta Ads to build compounding clinics with predictable patient acquisition and recurring revenue systems. Free Resource Join the PT Biz Part-Time to Full-Time Challenge More PT Biz Training Subscribe to PT Biz Training on YouTube Connect Physical Therapy Biz PT Entrepreneur Podcast

The wealth you want is often built in the choices no one else can see.In this solo episode of Life of And, Tiffany breaks down a financial framework that can change how you think about money, time, and the life you are building. Instead of only asking whether something fits your monthly budget, Tiffany challenges listeners to ask: does this decision make me money, save me time, or help me build something? That simple filter turns everyday choices, from childcare to subscriptions to cash sitting in an account, into a clearer way to protect your energy, grow your options, and support a more abundant future.This conversation is a practical reminder that looking successful and building real wealth are not the same thing. Tiffany shares personal examples from her own family's decisions, including investing in childcare, choosing public school, putting cash to work, and saying no to spending that only creates the appearance of success. Listeners will walk away with a more grounded way to evaluate financial choices, understand income statement versus balance sheet thinking, and take simple steps toward a life with more freedom, flexibility, and intention.What You'll LearnHow to tell the difference between income statement thinking and balance sheet thinkingWhy invisible financial choices can create more freedom, flexibility, and long-term wealthThree simple actions to help your money and time start working harder for the life you actually wantTimestamps:(00:00) Intro(02:12) The three purchases test(03:50) Income statement vs balance sheet thinking(07:52) How your balance sheet shows what you're building(10:12) Why a budget is not enough(11:52) When childcare becomes a time investment(15:20) The real cost behind family decisions(18:01) The trap of looking wealthy(18:17) What happens when you invest the monthly spend(23:47) How to get your cash working for you(29:20) The scoreboard that really matters(30:26) Three money moves to make nowLike this episode? Check out more in the series:https://youtu.be/h5tayXL1HxIhttps://youtu.be/MJLq7zdH2NU https://youtu.be/m3fnoNDOp-AFor more from Tiffany:Follow Tiffany on Instagram: https://www.instagram.com/tiffany.sauderLearn More: https://www.tiffanysauder.com Ready to build your own Life of And? Explore the program: https://www.tiffanysauder.com/Program Check out the apps and sponsor of this episode: Ready to Put Your Money to Work? Learn More Here: https://www.tiffanysauder.com/First-Internet-Bank Created in partnership with Share Your Genius www.shareyourgenius.com Learn more about First Internet Bank: https://www.tiffanysauder.com/First-Internet-Bank

On this inspiring episode of Authority on Demand Podcast (formerly Authors On Mission Podcast), host Danielle Hutchinson sits down with David Homan, USA Today bestselling co-author of Orchestrating Connection.David shares why authentic relationships are far more powerful than traditional networking and how intentional connection can create lasting opportunities, stronger communities, and greater impact.In this episode, you'll discover:• Why authentic connections outperform traditional networking• The 5 principles behind meaningful relationships• How the “Impact Ask” helps others support your goals• Why feedback and iteration are essential for growth• Practical ways to build stronger communities and opportunitiesTune in for valuable insights on creating relationships that matter and unlocking the power of connection.Connect with David Homan:Email: david@davidhoman.coLinkedIn: https://www.linkedin.com/in/davidrhoman/Instagram: https://www.instagram.com/the_connection_orchestrator/

Send us fan responses! Perfect credit is not the only way to get funded, and chasing “secret” documents won't save you if you can't show clean cash flow. We kick off with Dre's real progress, including how he climbed out of the 400s, learned what trade lines and utilization really do, and built enough confidence to teach the fundamentals back to other people.Then we get into the structure that makes lenders take you seriously: operating company versus holding company, why an LLC alone can still leave you exposed, and how private agreements change the game when you start moving money. We also walk through practical business credit building using net 30 vendor accounts, a DUNS number, and setting up a business address profile that matches your paperwork.The most important takeaway is the underwriting mindset. Alternative business lenders care about what hits your bank statements, how consistent your deposits are, and whether your invoices, receipts, and contracts can prove the story your transactions tell. If you want business funding, cash flow loans, merchant cash advance options, and a step-by-step path from credit repair to real approvals, this is the blueprint we use.Subscribe for more, share this with someone building from scratch, and leave a review with the one part you want us to break down next.https://donkilam.com FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://www.amazon.com/Cant-Touch-This-Diplomatic-Immunity/dp/B09X1FXMNQ https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

Timestamps : 00:00 — Introduction & Meet the Holistic Kids 01:31 — Introducing Dylan Gemelli: Wellness Revolutionary 03:13 — Dylan's Backstory: From Athlete to Prison to Purpose 07:19 — What Are Peptides? A Beginner's Breakdown 09:44 — Types of Peptides: Healing, Growth & Weight Loss 15:19 — Mind & Body for Kids: Dealing with Pressure & Bullying 20:13 — What Does "Being Healthy" Really Mean? 24:08 — How to Start: Building a Healthy Daily Routine 31:52 — Key Takeaways & Episode Recap In this inspiring episode of The Holistic Kids Show, hosts Zane, Adeelah, and Emad sit down with Dylan Gemelli — wellness revolutionary, biohacker, and host of the top-ranked Dylan Gemelli Podcast — for a conversation that's as real as it gets. Dylan opens up about his remarkable journey: from college athlete to prison, and then to rebuilding his life at 30 through the power of health, faith, and relentless self-education. He breaks down what it truly means to be healthy — and it goes far beyond the gym. In this episode, you'll learn: What peptides are and how they can support healing, muscle, gut health, and anti-aging (with beginner-friendly breakdowns of BPC-157, KPV, GHK-Cu, and more) Why spirit, mind, and body must all be in alignment for real health How kids and teens can protect their mental health in a world dominated by social media and screens The simple daily routine Dylan swears by — morning sunlight, gratitude, movement, and prayer Why weight loss shortcuts often do more harm than good How to stop caring about what others think — and why that's one of the most powerful health habits you can build Dylan's message is clear: health is a work in progress, humility is your superpower, and every hardship is just training for something greater. Key Takeaways: You are only as good as what you know today — stay humble and keep learning No one person is better than another; we all have something to offer Real health means spirit + mind + body working together Build a daily routine: gratitude, sunlight, movement, and quality sleep Forgive, release, and trust — your mental and spiritual health depend on it About Dylan Gemelli: Dylan Gemelli is a prominent figure in the fitness and biohacking world, known for his expertise in nutrition, cellular health, neuroscience, and anti-aging. His podcast consistently ranks #1 in Health & Fitness and top 20 overall on Apple Podcasts. Find him at dylangemelli.com or @dylangemelli on Instagram and YouTube. The Holistic Kids Show — where kids empower kids. Subscribe, leave a review, and help us build a healthier future for the next generation. Disclaimer: This podcast is for informational purposes only and does not constitute medical advice.   --- Learn more about Dr. Madiha Saeed at https://holisticmommd.com, or follow her on social media @HolisticMomMD

(SHOW OPEN): Start building the Jalen Brunson statue now because he has the Knicks three wins away from immortality.

Zero To Audience – https://www.marketingsharks.com/zero-to-audience-from-marlon-sanders/Zero To Audience – From Marlon Sanders – The Complete Platform-by-Platform Playbook for Building a Buyer-Ready Email List From ScratchHow To Build a Hungry, Buyer-Ready Email List From Scratch — Using 10 Proven Platforms That Are Giving Away Free Traffic Right Now — Even If You Have Zero Followers, Zero Budget, and Zero Idea Where to Start“Finally — A System That Reveals the Exact Nuances, Rules, and Hidden Tricks of Each Platform… So You Stop Wasting Time Doing the Wrong Things on the Wrong Channels and Start Building the Audience That Actually Buys”every single platform that can send you free traffic has its own hidden rules, hidden traps, and hidden “insider moves” — and if you don't know them, you will get ignored, banned, shadow-banned, or simply overlooked. No matter how good your content is.Post the wrong thing on Reddit — and a mob of strangers will destroy your reputation and ban your account in minutes. You'll never see it coming.Put a link in your YouTube Shorts description thinking it'll drive traffic to your list — and discover that YouTube killed that feature entirely in 2023. Millions of creators still don't know this. They're sending “link in the description” CTAs that point to nothing.Spend six months building a Facebook group to 5,000 members, go live… and have ONE person show up. (Sound familiar?)

Todd Gabler had spent 34 years working one side of the courtroom — every case for the defense. Then Eric Richins' family called about a civil matter and the phone records pulled in the first few weeks made staying in that lane impossible.Constant contact between Kouri Richins and a housekeeper with a criminal record and active drug court failures — in the months surrounding Eric's death. Law enforcement hadn't reached those records yet. Gabler flagged the pattern and kept going. Nearly 50 interviews. Multiple vehicles tracked. A body of evidence assembled that would eventually help break open a criminal investigation that had stalled. The behavioral question is what drives a career defense investigator to cross the line he's worked behind for three decades — and the answer is in what the records showed him.This is the first time Gabler has sat down to walk through the beginning of this case publicly — the call, the records, the moment the direction became clear. A conversation nobody else has had with the man who was inside this investigation before any charges were filed.That investigation ended with a conviction. What came after didn't end. Before sentencing, Kouri wrote a message that prosecutors filed with the court: "They picked the wrong one." "They haven't seen anything yet." She allegedly wrote a letter from jail instructing her brother to testify falsely. She's accused of witness intimidation. Her own thirteen-year-old told the court he's afraid she'll come for him if she's ever released.Eric Faddis walks through what someone serving life without parole can still do from behind bars — the mail, the calls, the proxies — and the legal tools available to protect the Richins family. No-contact orders, protective orders, corrections restrictions. Each addresses a different vector. Faddis identifies which gaps remain even when all of them are in place. Kouri Richins is locked up. The threat she represents hasn't been.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#KouriRichins #EricRichins #ToddGabler #LifeWithoutParole #EricFaddis #HiddenKillers #TrueCrime #ParkCityUtah #WitnessIntimidation #JusticeForEric

In this episode of the Life Insurance Academy Podcast, we dive deep into the habits, rhythms, and routines that separate struggling agents from agents who create real momentum in their business. If you've ever felt like you worked all day with nothing to show for it… this episode is for you. We break down the "Change Formula" and walk through the daily and weekly patterns that help agents stay consistent, recover from tough days, and build lasting success in life insurance sales. In this episode, you'll learn: • The 5 repetitions that create momentum • How to structure your daily workflow for production • Why your mindset and environment matter • How top producers recover from bad calls quickly • The importance of reviewing your activity and tracking your numbers • Why small "2-degree shifts" can completely change your business • How to avoid constantly restarting and finally build consistency Whether you're a brand-new agent or a seasoned producer trying to level up, this episode will help you create systems that lead to long-term growth and confidence. Want to join our LIVE coaching sessions every Thursday? Check the links below to learn more and get connected.

100,000 views and zero customers… or 300 views and three new clients. Which would you rather have? If you're tired of chasing likes that don't turn into leads, this episode will change how you think about social media forever.

Tiago Azevedo is the CIO of OutSystems, one of the largest low-code development platforms in the world. In this episode, he sits down with Matt Paige to talk about what it actually looks like to lead through the chaos of enterprise AI adoption, why the old playbook of re-architecting legacy systems is dead, and how his team is building agentic solutions that bypass the mess instead of trying to fix it.Tiago shares his philosophy that saying no to AI is the easy path, and that the real job of a CIO is to open the doors while learning to manage the risk. He breaks down why everything that isn't agentic is already legacy work, how his team uses AI to figure out where AI fits, and why companies should stop adding more fields and screens to broken systems and start building agents that do the work.The conversation also covers OutSystems' latest launch, OutSystems Mentor, which brings natural language vibe coding into the platform so users can describe what they want and build it conversationally. Tiago explains the architecture behind it, including how the platform combines probabilistic AI with deterministic code generation, one-click deployment, and built-in enterprise integrations.The episode closes with Tiago's advice for overwhelmed CIOs: identify the biggest problem your company needs to solve, feed it to an LLM with as much context as possible, and iterate from there. Think big, start small, scale fast.In this episode, you'll hear about:How Tiago approaches change management and AI adoption across a large organization. Why he believes everything non-agentic is already legacy. The "agents over apps" philosophy and what it means for enterprise systems. How OutSystems built Deal Mate, a team of agents that prepares sales reps for meetings. Why OutSystems achieved 40% automation in customer service after AI, up from under 10% before. The launch of OutSystems Mentor and what natural language app-building looks like inside the platform. The gap between a wow demo and enterprise-grade production. Why CIOs should try everything but be careful with divergence. Tiago's "think big, start small, scale fast" framework for AI transformation.Key Moments:01:17 — Tiago on the pace of change and what makes this moment unlike anything before06:20 — "Saying no is the easiest solution — managing the risk is the hard part"07:49 — Bypass the mess: why agents fill the gaps legacy modernization never could09:10 — "Everything that is not agentic is literally legacy work"10:15 — Use AI to figure out where AI fits: the meta approach to use cases11:30 — Deal Mate: the team of agents that prepares sales reps for meetings15:07 — "We were adding more fields to Salesforce when we should've been building agents"16:25 — Mark Zuckerberg building an agent to do his job17:23 — OutSystems' 20-year journey from visual development to agentic systems engineering19:58 — The deterministic magic behind OutSystems Mentor22:04 — One platform: infrastructure, integrations, UIs, agent skills, and deployment30:19 — 40% customer service automation with AI (vs. under 10% before)33:48 — How AI is augmenting, not replacing, engineering and product roles39:41 — "That's 2008 and this is 2026 — you have to change"41:27 — The wow factor vs. enterprise reality: why prototyping isn't the hard part46:17 — Tiago's advice: identify the biggest problem, feed it to an LLM, build the solution48:42 — "Think big, start small, scale fast"Key Links:OutSystemsConnect with Tiago on LinkedInMentioned in this episode:AI Opportunity FinderFeeling overwhelmed by all the AI noise out there? The AI Opportunity Finder from HatchWorks cuts through the hype and gives you a clear starting point. In less than 5 minutes, you'll get tailored, high-impact AI use cases specific to your business—scored by ROI so you know exactly where to start. Whether you're looking to cut costs, automate tasks, or grow faster, this free tool gives you a personalized roadmap built for action.

Hunting lions. Camping outdoors alone. Whatever happened to rites of passage? In this episode of the All Pro Dad Podcast, host Ted Lowe is joined by BJ Foster and Bobby Lewis to talk about why creating milestone moments matters for kids as they mature into adulthood. Why This MattersModern kids may be missing out on meaningful transitions into adulthood.Key Takeaways• Rites of passage help kids develop identity, courage, responsibility, and belonging.• Modern milestones often happen passively, but meaningful growth usually requires challenge and intentionality.• Kids build confidence when they overcome hard things and are recognized for their growth and maturity.Practical Tips for Dads1.    Ask yourself what kind of adult you want your child to become when they leave your home.2.    Create intentional experiences, challenges, or ceremonies that help shape courage, resilience, and responsibility.3.    Celebrate growth and maturity when your child overcomes something difficult or reaches a new stage of life.Important Episode Timestamps [00:00] Should Dads Be Intentional About Rites of Passage for Their Kids?[00:38] The Most Extreme Rites of Passage Around the World[07:47] Why American Kids Have Lost Their Rites of Passage[08:05] What a Real Rite of Passage Looks Like — and Why It Has to Be Personal[11:43] The Emotional Cost of Never Being Told You've Become a Man[15:46] What a Navy SEAL Taught Us About Why Rites of Passage[19:45] Ushering Kids Into Adulthood: Doing It With Them vs. For Them[21:40] The 3 Things Every Meaningful Rite of Passage Should Include[25:39] How to Start Building a Rite of Passage for Your Kid Right Now[26:20] This Week's Pro Move:Think about a rite of passage you can create for your child and take a step toward making it happen. Sponsor:The All Pro Dad Podcast is proudly brought to you by Family First, a nonprofit dedicated to equipping parents with resources to strengthen their families. Learn more at FamilyFirst.net.All Pro Dad Resources:Crafting a Rite of Passage For Your SonSusan Merrill: Sons' Rites of Passage Mark Merrill: The BlessingWe love feedback, but can't reply without your email address. Message us your thoughts and contact info!Connect with Us:Ted Lowe on LinkedInBobby Lewis on LinkedInBJ Foster on LinkedInSubscribe on Apple PodcastsGet All Pro Dad merch!EXTRAS:Follow us: Instagram | Facebook | X (Twitter)Join 200,000+ other dads by subscribing to the All Pro Dad Play of the Day. Get daily fatherhood ideas, insight, and inspiration straight to your inbox.This episode's blog can also be viewed here on AllProDad.com. Like the All Pro Dad gear and mugs? Get your own in the All Pro Dad store.Get great content for moms at iMOM.com

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KT Temple sits down with Kent Temple to break down what agents should really look for when joining a real estate team. From commission splits and lead generation to leveraging admin support and building a relationship-based business, this episode offers an inside look at what drives team success. Plus, the Temple Team announces they're officially hiring for the first time in over two years. 

Episode 239 of The Hitstreak, a podcast where we talk about anything and everything!  This week we are joined by Financial Architect, Investor, and Founder of Intentional Wealth and NextGen Legacy Group, Justyn Melendez!Episode in a Glance:In this episode of the Hitstreak, I get to talk with financial expert Justyn Melendez, exploring the importance of financial literacy and the role of a financial architect. We discuss the impact of childhood beliefs on money, the transition from physical to mental wealth, and the significance of surrounding oneself with successful individuals. The conversation also touches on the transformative effects of COVID on career choices and the necessity of sharing knowledge and experiences in the financial realm. The episode concludes with a role-playing exercise on financial conversations and a discussion on the true definition of financial freedom.Key Points:- Money is just a tool for good or bad.- Childhood beliefs shape our money mindset.- Understanding tax strategies is essential.- You must unlock the future version of yourself.- Financial professionals often have limited knowledge of broader strategies.- Unconscious spending habits can lead to financial mismanagement.- Building a supportive network can enhance financial success.- Financial freedom is defined by passive income supporting lifestyle expenses.About our guest: Justyn Melendez is a Financial Architect, Investor, and Founder of Intentional Wealth and NextGen Legacy Group, where he designs and deploys strategic wealth systems for individuals and business owners seeking to scale beyond traditional financial limitations. He focuses on capital allocation, investment structuring, and private market opportunities, with an emphasis on assets that generate cash flow, tax efficiency, and long-term equity growth. Through his work, Justyn has been directly involved in structuring and raising capital for high-value investment opportunities, positioning investors to participate in deals typically not accessible to the average individual. Rather than teaching conventional financial advice, Justyn challenges the way people think about money—shifting them from earn-and-save mindsets to strategic ownership, capital deployment, and cash flow optimization. He is also the founder of the Intentional Wealth Mastermind, a community designed for individuals committed to increasing their financial IQ, expanding their network, and building generational wealth through aligned action. Outside of business, Justyn serves as a Sergeant First Class in the United States Army, where his leadership experience reinforces his disciplined approach to execution, risk management, and long-term strategy. His mission is to help others operate with clarity and intention, build true financial independence, and create legacy-level impact.Follow and contact:Instagram: @melendezjustynNextGenLegacygroup.coSubscribe to Nick's top-rated podcast The Hitstreak on Youtube: ⁠https://www.youtube.com/NickHite⁠rFollow and Rate us on Spotify: ⁠https://spotify.com/NickHiter⁠Follow and Rate us on Apple Podcast: ⁠https://podcasts.apple.com/NickHiter⁠Follow and Rate us on iHeartRadio: ⁠https://www.iheart.com/NickHiter

The conversation delves into the wealth knowledge gap, the mindset required for wealth building, and the practical financial order of operations. It emphasizes the importance of taking deliberate steps toward financial stability as a mental health intervention.TakeawaysWealth building is a continuous process, not an event that happens after getting finances together.The financial order of operations is a proven sequence that works for anyone willing to follow them consistently.Chapters00:00 The Wealth Knowledge Gap05:18 Step 1: Know Your Number11:26 Step 7: Own Something That Appreciates16:45 Recap of Previous Episodes

Caleb and Brittany, focus on the transition from being a busy business owner to becoming a strategic leader who builds scalable systems. They emphasize the "automate, delegate, and eliminate" framework to help contractors reclaim their time and focus on high-level growth. They argue that entrepreneurs are often the primary bottleneck in their own companies and must undergo a mindset shift to fix systemic issues. Additionally, the discussion highlights various industry tools and resources, such as LMN and Cycle CPA, which provide the data and structure necessary for long-term success. Through candid dialogue, the Aumans advocate for extreme accountability and the implementation of standard operating procedures to move beyond daily chaos. Key Takeaways:  Perform a daily task audit to categorize activities into things you can automate, delegate to others, or eliminate entirely. Focus on your "one thing" each day by identifying and completing the most critical task that drives long-term progress before getting bogged down in minor details. Build scalable systems and clear processes to replace yourself in the day-to-day operations so the business can thrive without your constant presence. Adopt a growth mindset that accepts personal responsibility for business failures, recognizing that a company's success is limited by the founder's own capacity. Protect your most valuable resource—time—by cutting out low-value clients and administrative distractions that do not contribute to your ultimate goals. Connect with Auman Landscape

In this episode, Dave and community mentor Greg Fellman share five practical networking tips for production music composers, from building real relationships to following up and being ready when opportunities show up.Denver Composers Collective - https://www.facebook.com/groups/1433710441750662Sync Meetup Austin - https://www.facebook.com/syncatxWatch this episode on YouTube: https://youtu.be/MAHozCY7fRkSupport for the 52 Cues Podcast comes from ReelCrafter, the professional way to pitch your production music and know exactly when your cues are heard.Start your free trial at ReelCrafter.com/52Cues!Join the 52 Cues Community! – https://my.52cues.comIt's free to post your cues for feedback from the community, network with other composers, and ask questions about the industry!Plus, member subscribers get extra perks like workshops, livestreams,  cue breakdowns, live feedback sessions, hundreds of hours of video archives, and opportunities to submit to real music libraries.One-on-one coaching sessions and video critiques also available at http://52cues.com/coaching!Note: Links may be affiliate links which generate a small commission but at no extra cost to you!

When most people hear "dividend," their brain goes straight to stocks. That's understandable. And completely wrong when applied to whole life insurance. https://www.youtube.com/live/HPXaTnOOU4U That one assumption causes real problems. People chase companies with the highest declared dividend rate. They compare illustrations side by side and pick the bigger number. They make decisions based on a metric that, on its own, tells them almost nothing about how their policy will actually perform. This article gives you a clear picture of what whole life dividends actually are, what they're not, and what really determines whether your policy works for you over the long run. The conclusion is probably not what you'd expect: the most important factor isn't the dividend rate, the company, or even the policy design. It's your own behavior.For a deep dive into how dividends are calculated and the four biggest myths about dividend rates, see our earlier conversation with Perry Miller here. Table of ContentsKey TakeawaysWhat Whole Life Dividends Actually AreHow the Money Actually MovesNot Guaranteed, but Highly ProbableThe Coca-Cola AnalogyWhat Whole Life Dividends Are NotNot Stock DividendsNot a Simple Interest Rate on Your Cash ValueNot in Addition to the Guaranteed Interest RateHow Dividends Are Actually Allocated to Your PolicyThe Endowment RequirementWhy Younger Policyholders Get a Smaller ShareWhy Base Premium Gets Higher Crediting Than PUAsThe Direct vs. Non-Direct Recognition DistinctionWhy the Dividend Rate Is the Wrong Thing to CompareThe Factor That Matters More Than Any of This: Your Own BehaviorWhy Premium Consistency MattersWhy Loan Repayment Matters Just as MuchThe Bottom Line on BehaviorHow to Use Your Dividends StrategicallyStop Chasing the Rate. Start Building the SystemBook a Strategy CallFrequently Asked QuestionsWhat are whole life insurance dividends?Are whole life dividends guaranteed?How are whole life dividends different from stock dividends?Does a higher dividend rate mean a better whole life policy?What is the best way to use whole life dividends?What is direct vs. non-direct recognition in whole life insurance? Key Takeaways Dividends are return of excess premium. What happens between your payment and your dividend is capital management, not a refund. A 6% declared rate does not mean 6% cash value growth. Actual growth depends on Age, base-to-PUA ratio, and other policy design options. Loan activity can also affect results with direct recognition companies. The guaranteed interest rate is not separate but makes up part of the declared dividend. 2% guarantee plus 6% dividend does not equal 8%. Younger policyholders get less of the dividend pool. Older policyholders get more. Endowment math. Base premium gets higher crediting than PUAs because the company can count on it. Never compare direct and non-direct recognition illustrations without modeling loan activity in both. Your behavior matters more than the rate, the company, or the design. What Whole Life Dividends Actually Are For tax purposes, the IRS classifies whole life dividends as a return of excess premium. That label gets used against whole life all the time. "See? They're just giving your money back." It's not. If you paid $500,000 into a policy over twenty years and now you have $1.7 million in cash value, nobody just gave your money back. You have far more than you paid in. How the Money Actually Moves Insurance companies are extremely conservative in their projections. They overestimate mortality costs, overestimate expenses, and lowball what their investment portfolio will return. That's deliberate. It protects your money for the long run. The CIO deploys premiums into a portfolio that's roughly 75 to 85 percent fixed income: bonds, mortgage-backed securities, and some real estate. A small sliver sits in equities. The company pays death benefit claims, pays operating expenses, and sets aside money into reserves. Then the board declares how much of the remaining surplus goes back to policyholders. Three factors drive that surplus: investment performance against projections, operating expenses against budget, and actual mortality experience against actuarial estimates. Beat expectations on any of those, and policyholders share in it. Not Guaranteed, but Highly Probable Dividends sit outside the contractual promises; unlike the death benefit, the cash value growth, and the level premium, they're not guaranteed. But mutual companies have paid them consistently for over 100 years. Through recessions. World wars. The 2008 crisis. A decade of near-zero rates. They adjusted downward. They didn't vanish. The Coca-Cola Analogy Coca-Cola has excess profits because they charge more per can than they need to. That's how they fund dividends to shareholders. A mutual insurance company works the same way. It prices conservatively, manages capital, and returns the surplus. But here's the difference. As a policyholder of a mutual company, you're not just a customer. You're a part-owner. You participate in your company's profits. What Whole Life Dividends Are Not Not Stock Dividends Stock dividends are volatile, taxable in the year received, and are subject to cuts or elimination in a bad year based on economic factors that swing wildly.  Whole life dividends from mutual companies are non-taxable (classified as return of premium), built on actuarial science rather than market speculation, and backed by a stability track record that equity dividends simply can't match. Even during the financial crisis of 2008, when bond rates dropped and stayed down for over a decade, mutual companies adjusted their dividend rates. They didn't collapse. They didn't plummet to near zero. They adjusted. Not a Simple Interest Rate on Your Cash Value This is the misconception that causes the most confusion. If a company declares a 6% dividend, that does not mean your cash value grows by 6% that year. You can't just take 6% and apply it to your current cash value. There's a list of reasons why. That declared rate is gross, before administrative fees, before mortality costs, and before the actuarial mechanics that make your policy endow at age 120 or 121. The actual impact on any individual policy depends on the policyholder's age, the ratio of base premium to PUAs, other policy design options.  Additionally, if with a direct recongnition company, whether there are outstanding loans. Same rate but very different outcome depending on who you are and what you're doing with the policy. Not in Addition to the Guaranteed Interest Rate This trips people up constantly. They see a guaranteed interest rate of 2% and a declared dividend of 6% and assume they're getting 8% growth. That's not how it works. The guaranteed rate is already inside the dividend. The company guarantees it can make at least 2%. If it earns enough to support a 6% crediting rate, the additional performance above the 2% floor is what generates the dividend.  So the real outperformance is 4 percentage points and not 6 stacked on top of two. How Dividends Are Actually Allocated to Your Policy This is the part that goes beyond what most dividend conversations cover. And it matters if you want to understand what your dividend actually means for your specific policy. The Endowment Requirement Every whole life policy is contractually engineered to endow at age 120 or 121. That means your cash value and your death benefit will be equal at that point. This isn't a footnote buried in the contract.  It's the mathematical engine driving how dividends get allocated. The company has to make sure every policy's cash value reaches the death benefit by that endowment date, regardless of what the markets do along the way. Why Younger Policyholders Get a Smaller Share Contrast a 20-year-old and a 60-year-old. Both paying $10,000 per year into a whole life policy.  The same premium and the same declared dividend rate. They receive very different dividend credits. The 20-year-old has 100 years until endowment. That cash value has an enormous runway to compound. Less dividend is needed today because time does the heavy lifting.  The 60-year-old has only 60 years. Their cash value needs a bigger share of the dividend pool to close the gap between cash value and death benefit faster. Same rate but a very different allocation. And it's not unfair. It's contractual. The policy promises to endow at a specific age, and the actuarial math allocates accordingly. Why Base Premium Gets Higher Crediting Than PUAs Base premium is the portion you're contractually obligated to pay every year. The company knows it's coming. The CIO can plan investment decisions around that certainty and deploy capital with confidence. Paid-up additions are optional. You don't have to pay them. The Chief Investment Officer can't rely on PUA contributions the same way when making long-term decisions. There's a second factor too, with base premium, the death benefit relative to the premium amount is much higher.  A policyholder paying $100,000 in base premium might carry a death benefit of $800,000 or $1 million. That cash value has to close a gap of $700,000 to $900,000 by endowment.  But $100,000 of PUA premium might only buy $200,000 of death benefit, because it's already paid up. It only needs to grow by $100,000 over the same period. So the dividend has to work harder on the base side. More crediting goes there, especially in the first 20 to 30 years. If someone funds PUAs religiously for three decades and the PUA's death benefit grows to exceed the base death benefit, the crediting can equalize. But until then, base drives the dividend engine. The Direct vs. Non-Direct Recognition Distinction A non-direct recognition company credits the same dividend whether you've borrowe

Are you feeling like your ambition has outgrown the four walls of your organisation? Do you find yourself thinking "I don't want my boss's job" — and wondering what that means for your future? Are you curious about what it looks like to monetise the expertise you already have, without blowing up the career you've worked hard to build? In this episode, I'm sharing why your knowledge is far more portable and scalable than you've been led to believe. I explore why most professionals limit themselves to a single upward track inside one organisation, how to start seeing your existing knowledge and insights as valuable assets, and why building alongside your career - rather than walking away from it - is one of the smartest moves you can make right now. The way the job market is moving, with layoffs, restructures and constant change, waiting for your organisation to provide security is no longer a strategy. But here's the thing - you don't have to start from scratch. You already have the inventory. It's just about learning how to use it differently. What you'll learn: • Your expertise is already an asset: How to identify what you're already doing, saying and solving - and see it as the foundation for building beyond your role. • Building your safety net: Why creating other income streams and visibility outside your organisation isn't a luxury - it's an insurance policy for your career. • Starting small and building smart: Why one speaking opportunity, one piece of content, or one conversation outside your organisation is genuinely all it takes to begin. "Your ambition hasn't disappeared - it's just outgrown a single track. Now it's time to redirect it."Ready to Start Building? •  I'm opening up 10 spots for ambitious mid-career women who are ready to create additional income streams using the expertise they already have. We get started at the end of June. Head to LinkedIn, find me @Janine Esbrand, and send me a message with the word START to find out more.Send us Fan MailInvest in Yourself and Your Career:Community — Join our Network for mid-career women redesigning what's next in their careersCoaching — Join the Waitlist for The Portfolio Career Academy. Turn Your Expertise Into Multiple Streams of Income & Impact Through Building A Portfolio Career. Join The Waitlist Connect with me!Website: careerchangemakers.comEmail: podcast@careerchangemakers.comLinkedIn:  Janine EsbrandInstagram: @careerchangemakerspodcastCareer Change Makers on Apple Podcasts

In this episode we'll talk about:Why most people build for clarity of explanation instead of depth of impactThe difference between something that's easy to describe and something that's impossible to forgetWhy the most powerful work has always been felt before it was understoodHow chasing simplicity in messaging without depth behind it creates forgettable contentWhy the things that are hardest to explain are often the things that matter mostHow building from depth naturally creates the kind of work people can't walk away fromAnd more… CONNECT WITH ME…→ Instagram — @mattgottesman→ My Substack — mattgottesman.substack.com → Apparel — thenicheisyou.comRESOURCES…→ Recommended Book List — CLICK HERE→ Masterclass — CLICK HEREWORKSHOPS + MASTERCLASS:→ Need MORE clarity? - Here's the FREE… 6 Days to Clarity Workshop - clarity for your time, energy, money, creativity, work & play→ Write, Design, Build: Content Creator Studio & OS - Growing the niche of you, your audience, reach, voice, passion & incomeOTHER RELATED EPISODES:Faith Isn't Knowing the Whole Path… It's Taking the Next Honest StepApple: https://apple.co/3MB62IuSpotify: https://bit.ly/4rZw3RN

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Last episode, we opened the door to the world of gaming. This episode, we step into it. If video games are a massive part of student culture, how do we actually use that in ministry? We're getting practical—sharing how to start, structure, and lead a video game ministry in your context. From creating connection points to building community and discipling students in a digital space, this is all about turning gaming into a meaningful ministry tool. It's an uncharted mission field… but one worth stepping into.For more information, please visit embracetheawkward.com or follow us on Instagram  @theetapodcast ​

Most men will drift to the end of the year and wonder where it went. They'll be busy. They'll be grinding. But they won't be where they said they were going to be. Busy is not the same as moving forward — and if you don't have an anchor, you'll end up anywhere. In this episode, I break down the exact framework I use to get clear on who I want to become by December 31st — across business, health, relationships, and personal growth. This is not about motivation. This is about direction. Inside this episode: •Why most high-achieving men drift through the year without realising it •The difference between being busy and being intentional •Why you keep telling yourself "I'll be happy when I get to here" — and why it never works •The Anchor Method: How to stop drifting and navigate towards a clear end-of-year vision •The 5 Pillars framework: Health, Relationships, Personal Development, Business, and Fun •Why some goals are about hitting numbers and others are about hitting feelings •The "Time Machine" exercise: How to reverse-engineer the man you want to be •Why building a business around your life — not the other way around — is the real mission •How to show up fully present at home when your mind is still at work You can achieve all the success in the world. But if you are not intentional about the life you are building, you will wake up at the end of this journey and realise you were too busy to actually live it. Get clear on the man you want to become. Write it down. Lock it in.   14 Day Mission Sprint > message me the word READY on my instagrma page > https://www.instagram.com/jamesboardmanuk/  If you are ready to build that direction and reset your mission, join the 5 Day Mission Reset here:   https://consulting.boardmanjames.com/5daymissionresetdetails Let's get to work.

In this final installment of our three part series on resiliency, host Suzan Chin-Taylor welcomes back Jim Dodenhoff, founder of Silent Running. This episode moves beyond the theoretical, providing actionable steps for wastewater treatment plants (WWTPs) to transition from concept to a reality of energy independence and operational stability. Key Discussion Points:- Clarity Before Construction: The path to resiliency begins with analysis rather than immediate construction. A formal feasibility study allows for modeling various scenarios to avoid relying on guesswork.- The Pain and Suffering Audit: Jim recommends that teams summarize the last significant outage in a brief report. Understanding the true cost and operational impact of past failures helps justify the investment in future resiliency. - Data is Already On-Site: Most plants already possess the data needed for a feasibility plan without needing outside help initially. Facilities should benchmark annual electricity and gas usage using 15 minute interval data to identify specific vulnerabilities. - Identify Critical Loads: WWTPs must distinguish between critical loads, such as essential pumping, and systems that can be triaged or run at partial capacity during an emergency.- Control Your Destiny: With energy affordability becoming a leading driver for decision-makers, plants are increasingly looking toward distributed generation and microgrids to stabilize costs and reduce dependence on the traditional grid.- Smart Collaboration: There is a growing opportunity for WWTPs to partner with high-energy consumers, like data centers, to share resources such as water for cooling or alternative energy generation.Mentioned Progressive Agencies:- Orange County Sanitation District: Recognized for being on top of energy needs and co-locating with drinking water facilities. - Victor Valley Wastewater Treatment Plant: Noted for its progressive approach and innovation. - City of Phoenix: Highlighted for the Palo Verde project, where treated effluent provides makeup water for a nuclear plant.Connect with Jim Dodenhoff:Founder: Silent Running Email: james.dodenhoff@gmail.com LinkedIn: linkedin.com/in/jimdodenhoff/Website: silentrunning.bizI hope you find this episode as informative and as exciting as we have.Please let us know your thoughts about the episode!Connect with Suzan Chin-Taylor, host of The DooDoo Diva's Smells Like Money Podcast:Website: www.creativeraven.com | https://thetuitgroup.com/LinkedIn: https://www.linkedin.com/in/creativeraven/Email: raven@creativeraven.com Telephone: +1 760-217-8010Listen and subscribe here to your favorite platform:Apple Podcast - Google Podcast - Cast Box - Overcast - Pocket Casts - YouTube - Spotifyhttps://creativeraven.com/smells-like-money-podcast/ Subscribe to the Podcast:https://creativeraven.com/smells-like-money-podcast/Be a guest on our show:https://calendly.com/thetuitgroup/be-a-podcast-guestCheck Out my NEW Digital Marketing E-Course & Coaching Program just for Wastewater Pros:https://store.thetuitgroup.com/diy-digital-marketing-playbook-for-wastewater-pros#Resiliency #WastewaterTreatment #EnergyEfficiency #SustainableInfrastructure #Microgrids #RenewableEnergy #UtilityManagement #WaterIndustry #Sustainability #CleanWater #EnvironmentalEngineering #EnergyResiliency

This week, Brad challenges a hard truth: most people don't have a faith problem—they have a priority problem. Anchored in Psalm 119:1–16, the episode explores the difference between intending to follow God and actually building a life around His Word.Brad unpacks how Scripture repeats words like law, commands, and statutes to emphasize one central idea: a blessed, grounded life is built on alignment with God's Word—not accidental effort. Using the powerful example of codebreakers at Bletchley Park led by Alan Turing, he illustrates that access to a message isn't enough—what matters is understanding it and acting on it. Lives were saved because they didn't just hear the message—they built everything around it.The same is true spiritually. God's Word isn't just information—it's direction, warning, and life. But too often, it gets treated like optional reading instead of daily oxygen.Brad closes with a practical 7-Day Word Build Challenge: read Psalm 119:1–16 each day, memorize one verse, and actively apply it. The goal? Stop drifting and start building a faith that's rooted, intentional, and lived out daily.Big Takeaway: You don't drift into strong faith—you build it by anchoring your life in God's Word.

It's YOUR time to #EdUp with Hunter Davis, Chief Executive Officer, Sophia LearningIn this episode, sponsored by EdUp Leadership, the ​HigherEd PodCon​ II happening July 16 & 17, & the 2026 AcOps Conference July 29-31 by CoursedogYOUR cohost is Mark Milliron, President, National University  YOUR host is ⁠⁠Dr. Jodi Blinco How does a 25 year old nonprofit focused on equitable social mobility use coaching to help students unlock their potential & reach their goals across the full student life cycle?Why does re-enrollment coaching for stopped out students build trust with institutions through immediate tuition return before teaching them the coaching methodology?What makes coaching different from advising when students struggling to feed their kids at home or caring for ill parents never share the real barriers stopping them from success?Listen in to #EdUpThank YOU so much for tuning in. Join us on the next episode for YOUR time to EdUp!Connect with YOUR EdUp Team - ⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Elvin Freytes⁠⁠⁠⁠⁠⁠⁠⁠⁠ & ⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dr. Joe Sallustio⁠⁠⁠⁠● Join YOUR EdUp community at The EdUp ExperienceWe make education YOUR business!

Most leaders think "getting involved in the community" is about networking. It's not. It's about exposure, pressure, and behavior—how you show up when you're not the boss in the room. In this episode, Tammy J. Bond sits down with Keaton Senti to break down why leadership programs aren't just resume builders—they are leadership accelerators. From high school exposure to early career confidence, this conversation challenges how leaders think about growth, communication, and connection. If you're hiding behind your title, your email, or your Zoom screen… this one will hit. 4–6 Key Takeaways Leadership development doesn't start when you get the title—it starts with who you surround yourself with If you won't speak up in a room of strangers, don't expect to lead one Community involvement exposes your leadership gaps fast Bonding > team building  Your network is not your value—your behavior inside that network is Leaders who hide behind technology are creating communication breakdowns that they blame on others

Nepal has a massive, hidden business opportunity that most people are completely missing.   We always proudly call Nepal the land of spirituality. But have we ever thought about it as a serious, global business? While the rest of the world is making billions in the wellness and faith industry, we are holding back on combining our own culture with tech and startups mostly because people feel shy or awkward about turning tradition into a business.   In this episode of The Doers, we sit down with Nirajan Bom M. (Founder of Vedicfeed) and Jesson Adhikari (Founder of Yagyashala Nepal). They are actively mixing our ancient traditions with modern technology to build real, growing companies.   What we talk about in this episode: -How to turn traditional "Pujas" into professional, easy-to-book services. -Why the future of business is about selling "inner peace" and good experiences. -The shocking reality of how AI and technology might soon replace basic astrology predictions. -If you want to start a business or create something new, this episode will show you exactly how to find huge opportunities right inside our traditional culture.   Timestamps  00:00 Intro 02:42 - Nepal's Hidden Spiritual Economy   07:22 - The Business Model of Faith: Custom Pricing Tiers   11:40 - Nepal's Real Asset: Selling Peace and Energy to Tourists   14:57 - Why Entrepreneurs Ignore the Spiritual Market   18:12 - The Pricing Gap: Imported Wellness vs. Local Potential   21:54 - The Struggles of Building a Spiritual Startup in Nepal   23:12 - How India Branded Yoga (And What Nepal Missed)   25:17 - The Corporate Taboo: Hiding Beliefs for Public Image   30:42 - Breaking the Social Stigma Around the Spiritual Industry   38:12 - The Global Shift: From Religion to Mental Wellness   47:42 - Building Systems: The Story of Yagyashala and Vedicfeed   57:52 - The Role of Data and Logic in Modern Astrology   01:05:02 - Commercializing Culture: The Challenges of Monetization   01:13:04 - Tech Disruption: Will AI Replace Human Astrologers?   01:19:07 - Productization: Shifting from Services to Scalable Products   01:20:26 - The Experience Economy: Packaging Vibes and Inner Peace   01:25:57 - Connecting the Next Generation to Traditional Roots   01:30:30 - Normalizing Spirituality as a Mental Health Solution   01:38:51 - The Blue Ocean Strategy: Nepal's Ultimate Trump Card   01:42:42 - Advice for New Founders: Where to Start Building?   01:46:16 - The Mindset Hack: Finding Opportunity Outside Your Comfort Zone   01:48:42 - Closing Thoughts: Exporting Nepal's Culture to the World   _______________________________________________________________________________________________ If you love reading, don't miss our newsletter on Substack Link: https://substack.com/@doersglobal?    Want to join us live in the studio as an audience member? Fill out this form: https://forms.gle/xZi8yptyoxkkc6aa8    ✉ Reach out to us at partners@doersnepal.com  

Hey Friend, Welcome to the Start That Business Podcast, where Christians working a 9-to-5 get the clarity, strategy, and faith-first guidance they need to step boldly into their calling to start a service-based business without leaving their job yet. You launched. You did the hard work of getting your business off the ground. Now what? If you've found yourself back in perfecting mode, tweaking your website, adjusting your pricing, adding another system, this episode is your redirect. After launch, there are only two things that move the needle: leads and sales. Everything else is secondary until you have paying clients. In this episode, we break down why leads and sales are your top two post-launch priorities, what lead-generating and sales-generating activities actually look like for a service-based business, and how to stay in motion even while working a full-time job. By the end of this episode, you will know the two post-launch focus areas that drive revenue and keep your business moving forward long after launch day. I pray this blesses you. . Today's Episode Spotlight Join the Arise and Shine Prayer Call @ 5 am CST | 6 am EST Join the Arise and Shine 365 Challenge .

In this episode, we sit down with Oglah Gatamah, author of Breathless, for a deeply personal conversation about burnout, purpose, leadership, and what it really means to live a significant life. We explore how easy it is to chase titles, money, metrics, and recognition while quietly losing ourselves in the process.Oglha shares her journey from Kenya to the United States, her rise through corporate leadership, and the moment she realized that outward success had left her inwardly exhausted. We talk about the difference between what we do and the impact we have, how to uncover purpose through reflection and relationships, and why high achievers must be careful not to build the wrong life.We also discuss how purpose can shape families, businesses, and communities, plus the global impact of Oglah's foundation work in Kenya.We Talk About: [00:00] From Kenya to Corporate Leadership[05:10] When Success Leaves You Empty[17:23] A Powerful Exercise for Finding Your Purpose[21:55] How Do You Build a Business Around Impact?[27:29] Turning Personal Loss Into a Foundation for ChangeResources:Learn more at The Color of MoneyRead Breathless by Oglah GatamahFollow Oglah Gatamah on Instagram: @gatamah_oglahBecome a real estate agent HEREConnect with Our HostsEmerick Peace:Instagram: @theemerickpeaceFacebook: facebook.com/emerickpeaceDaniel Dixon:Instagram: @dixonsolditFacebook: facebook.com/realdanieldixonLinkedIn: linkedin.com/in/dixonsolditYouTube: @dixongroupcompaniesJulia Lashay:Instagram: @iamjulialashayFacebook: facebook.com/growwithjuliaLinkedIn: linkedin.com/in/julialashay/YouTube: @JuliaLashayBo MenkitiInstagram: @bomenkitiFacebook: facebook.com/obiora.menkitiLinkedIn: linkedin.com/in/bomenkiti/Produced by NOVAThis podcast is for general informational purposes only. The views, thoughts, and opinions of the guest represent those of the guest and not  Keller Williams Realty, LLC and its affiliates, and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.

Most investors spend their energy asking the wrong question. It's not which fund is best -- it's which combination of funds gets you to your actual goal at a cost and complexity level you'll actually maintain. Joe and OG break down the full index investing playbook: where to start, when to add complexity, what Wall Street calls indexing that really isn't, and the one number that should change how you think about your entire portfolio.What You'll Walk Away WithWhy the real argument for index investing isn't that nobody beats the market -- it's that you can't predict who will do it nextThe crockpot principle of index investing -- and why the self-cleaning oven analogy might be even betterWhy the S&P 500 and the total stock market index are closer than most people think -- and which one Joe is increasingly favoring for the long runThe $100,000 turning point: what changes about your investment strategy when the portfolio gets big enough to get scientificThe first two additions most Stackers should consider beyond their core index -- and why OG would actually add more than twoWhy mixing index funds from different companies can quietly undermine your diversification without you ever knowing itHow to replace the word "index" with "list" to instantly identify whether a product is actually doing what you think it isThe buffered ETFs, factor ETFs, and active ETFs that call themselves indexes -- and why most Stackers should walk right past themWhy you're not racing against the index -- you're on a road trip -- and what that shift in framing changes about every investing decisionThe season one recap from OG and Anna's financial planning basics series -- plus the free workbook that ties all seven episodes togetherWhy This Matters NowIn your 40s, the portfolio is finally big enough to matter -- and that's exactly when the temptation to complicate things gets strongest. New products, new strategies, and new buzzwords show up constantly, each promising a smarter approach. The investors who come out ahead aren't the ones who found the best fund. They're the ones who built something simple enough to maintain, scientific enough to optimize, and sturdy enough to hold through the moments when everything feels like it's falling apart.From the BasementJoe and OG dig into the full index investing playbook -- from the first fund a beginner should buy to the asset class combinations that actually improve long-term outcomes once the portfolio gets big enough to warrant it. OG and Anna close out their seven-week financial planning basics series with a full recap and the surprise release of a free downloadable workbook at stackingbenjamins.com/basicsguide. Doug arrives with Nolan Ryan trivia that connects strikeout records to index investing in a way that only the basement could pull off. Whether the analogy fully lands is a question best answered with your earbuds in.Resources MentionedThe Simple Path to Wealth by JL Collins -- referenced as the foundational text for beginner index investorsPrior interviews with JL Collins: Interview 1 and Interview 2Paul Merriman's annual asset class research -- referenced for data on adding small cap value and international to a core S&P portfolio; paulmerriman.comiShares -- referenced as an example of a consistent index fund family worth staying withinJP Morgan Guide to the Markets -- referenced in prior episode; available at jpmorgan.comStacking Benjamins Basics Guide -- free seven-episode workbook at stackingbenjamins.com/basicsguideStacking Benjamins Newsletter (The 201) -- weekly investing hot takes from Kevin Bailey at stackingbenjamins.com/201Stacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Meetups -- stackingbenjamins.com/badSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Most investors spend their energy asking the wrong question. It's not which fund is best -- it's which combination of funds gets you to your actual goal at a cost and complexity level you'll actually maintain. Joe and OG break down the full index investing playbook: where to start, when to add complexity, what Wall Street calls indexing that really isn't, and the one number that should change how you think about your entire portfolio. What You'll Walk Away With Why the real argument for index investing isn't that nobody beats the market -- it's that you can't predict who will do it next The crockpot principle of index investing -- and why the self-cleaning oven analogy might be even better Why the S&P 500 and the total stock market index are closer than most people think -- and which one Joe is increasingly favoring for the long run The $100,000 turning point: what changes about your investment strategy when the portfolio gets big enough to get scientific The first two additions most Stackers should consider beyond their core index -- and why OG would actually add more than two Why mixing index funds from different companies can quietly undermine your diversification without you ever knowing it How to replace the word "index" with "list" to instantly identify whether a product is actually doing what you think it is The buffered ETFs, factor ETFs, and active ETFs that call themselves indexes -- and why most Stackers should walk right past them Why you're not racing against the index -- you're on a road trip -- and what that shift in framing changes about every investing decision The season one recap from OG and Anna's financial planning basics series -- plus the free workbook that ties all seven episodes together Why This Matters Now In your 40s, the portfolio is finally big enough to matter -- and that's exactly when the temptation to complicate things gets strongest. New products, new strategies, and new buzzwords show up constantly, each promising a smarter approach. The investors who come out ahead aren't the ones who found the best fund. They're the ones who built something simple enough to maintain, scientific enough to optimize, and sturdy enough to hold through the moments when everything feels like it's falling apart. From the Basement Joe and OG dig into the full index investing playbook -- from the first fund a beginner should buy to the asset class combinations that actually improve long-term outcomes once the portfolio gets big enough to warrant it. OG and Anna close out their seven-week financial planning basics series with a full recap and the surprise release of a free downloadable workbook at stackingbenjamins.com/basicsguide. Doug arrives with Nolan Ryan trivia that connects strikeout records to index investing in a way that only the basement could pull off. Whether the analogy fully lands is a question best answered with your earbuds in. Resources Mentioned The Simple Path to Wealth by JL Collins -- referenced as the foundational text for beginner index investors; stackingbenjamins.com links to prior interview Paul Merriman's annual asset class research -- referenced for data on adding small cap value and international to a core S&P portfolio; paulmerriman.com iShares -- referenced as an example of a consistent index fund family worth staying within JP Morgan Guide to the Markets -- referenced in prior episode; available at jpmorgan.com Stacking Benjamins Basics Guide -- free seven-episode workbook at stackingbenjamins.com/basicsguide Stacking Benjamins Newsletter (The 201) -- weekly investing hot takes from Kevin Bailey at stackingbenjamins.com/201 Stacking Benjamins Vault -- stackingbenjamins.com/vault Stacking Benjamins Meetups -- stackingbenjamins.com/bad Learn more about your ad choices. Visit podcastchoices.com/adchoices

When is the right time to start hiring out tasks in your food blogging business? Erin Jensen teaches us when to start building a small team and how to make sure you hire the right people early on.   Erin created The Wooden Skillet in 2016 to have a creative outlet after long days working as an attorney and raising her young family. In the years since, Erin has built a team and steadily grown her website, social media presence, and most recently, Substack presence. Erin's main goal is to help women get excited to cook dinner with her easy and flavor-packed recipes. Erin is the recipe developer and food photographer for all of her recipes and has been featured on Kare11, Food52, FeedFreed, CountryLiving, Shape, Elle, Self, and The Plan To Eat Podcast.    Experienced food bloggers hit a ceiling when they try to do everything alone. This episode breaks down what it actually takes to hire, train, and retain the right people without burning out or losing control of your brand. It is a practical look at turning your blog into a real business with support systems that last.    Key Topics Discussed:   - Overwhelm is the clearest signal it is time to hire. - Start small with subcontractors before committing to hiring employees. - Trust and reliability matter more than prior blogging experience. - A simple task audit reveals exactly what to delegate. - Hiring locally can unlock efficiency in photo shoots and production days. - Long term team success comes from slow growth and consistent communication.   Connect with Erin Jensen Website | Instagram

Adam works with a client who was stressed trying to accomplish more, yet feeling overwhelmed, so Adam helps them to focus on building competence and skills rather than just focus on doing more and risking burnout.

In this episode, Dr. Shaniqua Nicole shares her journey from humble beginnings to managing multi-million dollar portfolios, breaking down what it really takes to build lasting wealth. She challenges the myth of overnight success, emphasizing that true financial growth comes from consistent habits, smart systems, and long-term thinking, not quick wins. The conversation dives into practical strategies like paying yourself first, leveraging tools like life insurance, and avoiding common traps fueled by social media hype. Whether you're an entrepreneur or working a 9–5, this episode reframes wealth-building as a disciplined, intentional process anyone can achieve.

What if the one thing you've been hiding… is the very thing that could build your entire life? In this episode, Kellan Fluckiger dismantles the illusion that strategy, tactics, or marketing hacks are the answer—and reveals the real truth: your story is the most powerful, profitable, and transformative asset you have. But only if you're willing to stop hiding.Key Takeaways:Why truth—not strategy—is what actually gets attentionThe foundation: love, listening, serving, and creatingHow hiding destroys your impact, income, and identity“Your story is currency” and how to use itThe “book to bank” concept: turning your story into $100KWhy your life experiences are not random—but formativeThe real reasons people stay silent (fear, shame, doubt, safety)What happens when you fully own your story (clarity, identity, authority)The chain reaction: clarity → direction → action → resultsHow to turn your personal journey into a business and impact

When Ashley Peek Gordon looked around the homeschool world and couldn't find what her family needed, she didn't keep searching. She built one. And what started as a small vision is now home to over 250 families in San Antonio, Texas. In this episode, we explore: What finally pushed Ashley to stop searching and start building...and what happened when she did Why "secular" and "progressive" don't always mean the same thing in homeschool spaces (and why that distinction matters) What it actually looks like to decolonize your curriculum and make learning culturally affirming Connect with Ashley: For the Culture Homeschool | IG | FB Secular Homeschool Revolution Podcast | IG Resources mentioned: Missed episode 117? Listen here

Hey Friend, Welcome to the Start That Business Podcast, where Christians working a 9-to-5 get the clarity, strategy, and faith-first guidance they need to step boldly into their calling to start a service-based business without leaving their job yet. If you're attracting leads but not converting them to clients, the problem might not be your offer; it might be what's happening (or not happening) between the opt-in and the sale. Your client experience doesn't begin at onboarding. It begins the moment someone says yes to your lead magnet. In this episode, we walk through how to create a Lead Journey Map, a practical, intentional plan for how you serve every lead from the moment they enter your world to the moment they become a paying client. This is a how-to episode designed to help you stop losing leads and start stewarding them with purpose. By the end of this episode, you will have a clear step-by-step process for building your own Lead Journey Map from scratch. I pray this blesses you. . Today's Episode Spotlight Join the Arise and Shine Prayer Call @ 5 am CST | 6 am EST Join the Arise and Shine 365 Challenge .

Starting a new role and tempted to buy an entirely new wardrobe overnight? Take a breath. Natalie breaks down what actually matters, what to buy first, and how to build a professional wardrobe that fits your environment and still feels like you.Episode Notes & Resources:Read more on our website: "How to Navigate Dress Codes at the Office: A Personal Stylist's Guide"Sign up for the BU Style monthly newsletter to get more style tips straight to your inbox. (I promise, we don't spam you every day . . . or even every week!) Submit your style questions to be answered in a future Nat Chat Follow Us:Follow the podcast on social media, and submit your questions by sending us a message here!@bustyle@natalie_tincherCheck out the website for more info at www.bu.styleSign Up for Nat's NewsletterRate, Review, & Subscribe to the podcast on Apple & SpotifyThis Podcast is brought to you by Upstarter Pods

Have you ever felt like no matter how many lists you make or how organized you get, you still can't catch up? The problem might not be your discipline or your planner. It might be that the productivity system you've been handed just wasn't built for your life. In this episode, Nicole introduces the concept of rhythm as a more realistic and sustainable alternative to the myth of work-life balance. She breaks down the three layers of rhythm (daily, weekly, and seasonal) and walks through three practical steps to start designing a rhythm that actually fits your life. If you've been feeling like you're failing, this episode will gently challenge that story and give you a new place to start. Enjoyed this episode? Join a network of like-minded women at http://cpamoms.com/start and get the support you need to build the practice you want.

Are you struggling with misaligned pricing strategies that leave money on the table? Many sales leaders find themselves caught between traditional seat-based models and what customers value. There's a better approach that can increase contract values by over 200% while simplifying your sales conversations. In this episode, Keith Bossier, VP of Sales at SDOCS, shares how his team transformed their entire pricing strategy from user-based to consumption-based models. His insights reveal practical steps for aligning pricing with genuine business outcomes that customers care about most. Keith breaks down the critical misalignments between marketing, sales, and customer success teams that drain revenue potential. He explains how removing traditional barriers—like eliminating SDRs entirely—can create more direct pathways to qualified prospects and accelerate deal cycles. Revenue Operations Framework for Growth Keith discusses implementing a comprehensive revenue operations program that aligns teams around shared goals. He shares how they restructured customer success roles to function more like account managers with implementation responsibilities, creating new revenue streams from existing accounts. The conversation explores building effective partner ecosystems without massive hiring sprees. Keith reveals how SDOCS signed over 50 new partners in 12 months by focusing on system integrators and technology partnerships that amplify reach efficiently. Learning from Sales Failures Keith opens up about a six-figure deal he lost early in his career—not because of product gaps, but because he failed to connect with the customer's real pain points. This experience shaped his entire approach to coaching sales teams, emphasizing empathy over feature presentations. He shares practical techniques for handling rejection and building team resilience. His approach focuses on understanding why deals don't close rather than simply pushing through objections, creating stronger connections with prospects. What You'll Learn: ●       How to transition from seat-based to consumption-based pricing models ●       Strategies for aligning marketing, sales, and customer success around revenue goals ●       Methods for building partner ecosystems that expand reach without adding headcount ●       Techniques for coaching teams to handle rejection and build resilience ●       Why slowing down in discovery can actually accelerate your sales cycles Keith's approach demonstrates that successful sales isn't about perfecting your pitch—it's about genuinely understanding what keeps your customers awake at night and positioning your solution as the bridge to their desired outcomes. Key Moments of This Episode 00:01:46 - Introduction to Keith Bossier and SDOCSKeith Bossier, VP of Sales at SDOCS, introduces himself and explains how his company provides document automation and e-signature solutions that help businesses accelerate contract processes and revenue collection. 00:03:44 - Personal Journey: Overcoming Heart Surgery ChallengesKeith shares his inspiring personal story of surviving two open-heart surgeries and how he's thrived despite health challenges, even competing in triathlons and half-marathons. 00:06:28 - Pricing Strategies in Volatile Market ConditionsDiscussion of current economic uncertainty and how companies must adapt to pricing models. Keith explains the shift from user-based to consumption-based pricing at SDOCS, resulting in significant contract value increases. 00:13:43 - Aligning Marketing, Sales, and Customer Success TeamsKeith addresses common misalignments between departments and shares three key strategies: aligning revenue responsibilities, creating cross-functional accountability, and focusing on lead quality over quantity. 00:17:56 - Customer Success as Account Management with ImplementationExploration of how customer success teams can function more like account managers with revenue responsibilities, requiring sales-minded professionals rather than traditional support staff. 00:29:45 - Building Effective Partner Ecosystems for GrowthKeith discusses partner-led growth strategies, including working with system integrators and technology partners to expand reach efficiently without hiring additional full-time employees. 00:37:02 Learning from Sales Failures: The Power of EmpathyKeith shares a pivotal early career loss that taught him the importance of understanding customer pain points rather than just showcasing product features, shaping his coaching philosophy. 00:41:57 - Building Resilience: Handling Rejection in SalesStrategies for helping sales teams manage rejection, including debriefing losses, celebrating progress milestones, and maintaining emotional equilibrium through the ups and downs of sales cycles. About Keith Bossier Keith Bossier has 20 years of experience in driving revenue growth and optimizing sales operations with a proven track record in diverse industries, Keith has delivered exceptional results and provided unrivaled solutions to customers worldwide. His expertise spans from go-to-market strategy to revenue optimization and practical strategies for sales success. He has significant experience in SaaS sales, having held key roles at Salesforce, NetSuite, and FIS, and holds a B.A. from DePaul University as well as an M.B.A. from the Quinlan School of Business, Loyola University Chicago. Follow Us On: ·         LinkedIn ·         Twitter ·         YouTube Channel ·         Instagram ·         Facebook Learn More About 9-1 FlyMSG Features Like: ·         FlyMSG LinkedIn Auto Comment Generator by Vengreso ·         FlyMSG AI Social Media Post Generator by Vengreso ·         FlyMSG Auto Text Expander by Vengreso ·         FlyMSG AI Grammar Checker by Vengreso ·         FlyMSG AI Sales Roleplay and Coaching by Vengreso ·         FlyMSG Paragraph Rewrite by Vengreso ·         FlyMSG Sales Prospecting Training for Individuals by Vengreso ·         LinkedIn Profile Makeover for Sales Teams ·         FlyMSG Enterprise Sales Prospecting Training Program Install FlyMSG for Free: ·         As a Chrome Extension ·         As an Edge Extension

Hey Friend, Welcome to the Start That Business Podcast, where Christians working a 9-to-5 get the clarity, strategy, and faith-first guidance they need to step boldly into their calling to start a service-based business without leaving their job yet. You can have the best service in your industry, but if the right people can't find you, you'll stay stuck, wondering why nobody's reaching out. Visibility isn't about going viral. It's about having a system that consistently puts you in front of the people who need what you offer. In this episode, we break down the 4-part visibility system every service-based business needs to attract new clients even while working a 9-to-5. By the end of this episode: You'll have a visibility blueprint that's practical, buildable, and designed for the early-stage entrepreneur who's tired of being invisible online. You will know exactly which parts of the 4-part visibility system you already have in place and which ones to build next so your ideal client can finally find you. I pray this blesses you. . Mentioned on Today's Episode EP 156 | 3 Real Strategies That Actually Attract Leads to Your Service-based Business .

Your website might be doing exactly what it was designed to do and still losing the sale. A static set of pages can't adapt to a buyer's real questions, can't hear hesitation in a follow-up, and can't guide someone through their own path to trust. We explore a different model: stop building brochure sites and start building a “mind” that captures your subject matter expertise and delivers it as a one-on-one experience. We dig into Google Labs Portraits as a practical preview of where AI customer experience is headed: an interactive representation of an expert that people can talk to, test, and learn from. From there, we connect the dots to custom GPTs and specialized AI assistants. When you “bake in” a knowledge base, define a role, and set clear prompts, you move from generic chat to a digital twin that teaches, coaches, and answers questions in your voice. That is not just better content marketing. It is a new interface for trust, lead generation, and conversion. We also make it real with business examples like a family law attorney who fields the same early-stage questions all day. A voice agent can handle the first hundred calls, deliver clarity on process and pricing, qualify fit, and then route the right people into scheduling and next steps. The big takeaway is simple: the companies that win will not just “have a website.” They will offer an AI-powered, personalized conversation that meets prospects where they are and scales the best part of the business owner, the expertise. If this sparks ideas, subscribe, share this with a friend who runs a service business, and leave a review so more people can find it. What would you clone first: your sales brain, your onboarding, or your customer support?Support the show

Hey Friend, Welcome to the Start That Business Podcast, where Christians working a 9-to-5 get the clarity, strategy, and faith-first guidance they need to step boldly into their calling to start a service-based business without leaving their job yet. If your content calendar is full but your client roster is empty, this episode is your wake-up call. Posting consistently without a strategy isn't marketing; it's busyness with a filter on it. In this episode, we break down the 3 User Attraction strategies from the book Nail Your Niche that every service-based business owner needs to understand before they start marketing. Whether you're pre-launch or post-launch with no traction, this episode gives you a clear framework to stop guessing and start attracting intentionally. By the end of this episode, you'll know which strategy feels most aligned with where you are right now and how to choose the right strategy based on your bandwidth, budget, and launch timeline. I pray this blesses you. . Mentioned on Today's Episode Nail Your Niche Book by Brian Ellwood EP118: Nail Your Niche (Without Second-Guessing): A Biblical Take On Finding Who You're Called to Serve .

Kemmy Safdie, founder of The Safdie Group, a business coaching and strategic advisory practice that helps business owners and entrepreneurs step back into the big picture so they can gain clarity, navigate challenges, and build with intention.Through high touch coaching, weekly strategy calls, and ongoing support, Kemmy works closely with founders and leaders to stop reacting to daily fires and instead empower their teams and businesses to function the way they were designed to.Now, Kemmy's experience balancing a demanding leadership role in New York City, building his coaching practice, and raising four boys highlights the reality of building a business while staying focused on the long term vision.And while helping entrepreneurs move beyond tunnel vision, especially around sales, he's guiding them to give every part of their business the attention it needs before small issues become costly problems.Here's where to find more:www.linkedin.com/in/kemmysafdie________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here:https://linktr.ee/unforgetyourself

Hey Friend, Welcome to the Start That Business Podcast, where Christians working a 9-to-5 get the clarity, strategy, and faith-first guidance they need to step boldly into their calling to start a service-based business without leaving their job yet. Are you holding back your lead magnet because something about it feels wrong, like you're tricking people or taking something that isn't yours? That feeling has a name, and it's a limiting belief that's quietly stalling your business before it even gets started. In this episode, we tackle the number one mindset block Christians face when it comes to User Attraction. The belief that creating a lead magnet is manipulative. Using the powerful story of Boaz and Ruth, we reframe everything because User Attraction isn't stealing, it's a value exchange. And when you create from a posture of generosity instead of fear, you don't just attract leads, you attract the right people. I pray this blesses you. . Mentioned on Today's Episode The ULTIMATE LinkedIn Profile Template by John Nemo .

Leave an Amazon Rating or Review for my New York Times Bestselling book, Make Money Easy! Check out the full episode: https://greatness.lnk.to/1771DM Chris Camillo has one message: stop grinding harder and start investing smarter. He turned $20,000 into $2 million in three years. He's not saying you'll do that. He is saying the math of compounding will absolutely turn every dollar you invest into $100 over time. And once you believe that, everything shifts. Suddenly a 50-cent coupon is worth clipping. Making coffee at home is worth it. Because it's not 50 cents anymore. It's $50. The wealth gap is solvable. The income gap isn't. That's the reframe that changes everything. Sign up for the Greatness newsletter: http://www.greatness.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In This Episode of Business Lunch: We explore the multifaceted role of an operator in a business, discussing how to define, find, and leverage operators at various organizational levels. They share insights on building effective operating systems, recruiting strategies, and the importance of clear role definitions for sustainable growth.Chapters:00:00 Understanding the Role of an Operator in Business00:40 Different Levels of Business Operators and Their Responsibilities03:25 Why Entrepreneurs Often Need an Operator Instead of a COO07:14 Defining the Job Description and Qualifications for an Operator14:22 How to Find and Recruit the Right Operator20:41 Common Mistakes in Hiring and Onboarding Operators25:47 Building an Operating System Before Hiring an Operator31:59 The Value of Networking and Content in Finding OperatorsConnect with me on social:TikTok: Check out my TikTok HereInstagram: Check out my Instagram HereFacebook: Check out my Facebook HereLinkedIn: Check out my LinkedIn HereSubscribe to my YouTube

#337: Dry January + finding inspiration in the group chat can lead to a compelling fresh start.In this week's episode of The Business of You series, I'm joined by the founders of Sensori. Three best friends who took their business idea out of the group chat and into the world. Built on their shared curiosity around wellness, Shanna, Ashlyn, and Darean built a fast-growing functional beverage brand.We talk about what it really looks like to build a business with your friends, the messy middle of figuring it out as you go, and why sometimes the smartest move is to move fast and trust that you'll figure the rest out along the way.From putting the first formulation on a credit card to raising their first round of capital and navigating the very real challenges of scaling a product business, this conversation highlights the what it actually takes to go from idea to execution without sugarcoating or glamorizing the early stages.This episode is for you if:You've thought about starting something with your friends and wondered if the idea in the group chat could become a real business.You're curious what it actually takes to launch a physical product.You want an honest look at funding a business and betting on yourself.You're interested in cutting back on alcohol.You want to understand how founders handle selling out of inventory.You want insight into scaling from DTC to retail and distribution.You're building a brand and trying to turn audience into revenue.Episode Links:To learn more about Sensori visit: https://drinksensori.com/Follow Sensori on Instagram: https://www.instagram.com/drinksensoriFollow Sensori on TikTok: https://www.tiktok.com/@drinksensoriRead Darean's pick, Blitzscaling: The Lightning-Fast Path to Building Massively Valuable Companies by Chris Yeh and Reid HoffmanSponsors:FP Movement: Visit fpmovement.com to shop their full line of activewear and workout gear.Nutrafol: For a limited time, Nutrafol is offering our listeners $10 off your first month's subscription and free shipping when you go to nutrafol.com and enter the promo code BALANCEDLES.Honeylove: Save 20% Off Honeylove by going to honeylove.com/LUCKY! #honeylovepodNuuly: Upgrade your wardrobe by subscribing to Nuuly. Nuuly is an incredible value at $98 for any 6 styles, and right now you can get $28 off your first month when you sign up at nuuly.com and enter code LUCKY at checkout.Square: Right now, you can get up to $200 off Square hardware at square.com/go/luckyConnect with Les:Ready to apply what you hear? Subscribe to the She's So Lucky Newsletter to get weekly episode guides and journal prompts: https://shessolucky.kit.com/newsletterSubscribe to The Lucky Playbook on Substack: https://lesalfred.substack.com/Follow Les on IG @lesalfredFollow She's So Lucky on IG @shessoluckypodFollow Les on TikTokFollow She's So Lucky on TikTokVisit our website at shessoluckypodcast.comThis episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.Produced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.