Podcasts about starting

Martin Weiss and Monse Balanos open the show discussing why it feels like Groundhog Day with the 49ers after WR Ricky Pearsall was ruled out for the season after opting to get surgery. Every year the team deals with more injuries than other teams and they haven't drafted well since 2020 and don't have much depth. Next, Martin and Monse discuss whether or not Fernando Mendoza should start right away for the Raiders after it was announced Kirk Cousins would likely be the starter in Week 1. The Sports Court follows before Martin and Monse give their MLB Trade Deadline predictions and why JJ McCarthy isn't going to beat out Kyler Murray for the Vikings QB job. See omnystudio.com/listener for privacy information.

Federal contracts often go to first-time vendors who never had the experience listed in the job description, and the fastest path in is a short, targeted proposal that answers one buyer's actual concern. David Rambhajan, a Service-Disabled Veteran-Owned Small Business founder who built and later sold an industrial construction company after starting with a $9,000 loan from his mother, walks through the sharpshooter framework he used to land his first role with zero skills, zero experience, and zero education on paper. What you'll learn in this episode: The 200-300-500 yard framework for pacing a federal pursuit so you stop groveling and start closing The exact cold-call script David used after a written rejection to earn a real conversation with the decision-maker Why offering to work one week free flipped a "not a fit" rejection into a job offer inside the same week How David used a $9,000 loan to start a construction company and which certifications he pursued first The mistake most new contractors make with certifications, and what to do instead of chasing them for their own sake Chapters: 0:00 - Sponsor read and the 70 places federal contracts hide 0:48 - The 200-yard rejection letter that started everything 1:35 - Cold-calling the marketing manager at 300 yards 3:05 - Building the proposal at Kinko's and hand-delivering it 4:40 - The one-week free-work offer that closed the job 5:55 - Landing the job and taking over the boss's role in a year 7:19 - Starting the construction company with a $9K loan from mom 8:10 - Getting SDVOSB and 8(a) certified, and the lesson ten years later Mindy gives you the federal opportunities, agency signals, recompete intel, and pursuit briefs that tell you not just what contracts exist, but which ones to chase and how to win them. Sign up for free Daily Alerts and get opportunities delivered to your inbox before the day starts.

PPP 817 – Fantasy Baseball Starting Pitchers To Add And Drop – 8-1-26 The Plus Pitch Podcast with Jake Crumpler from Pitcher List, reviewing all Fantasy Baseball starting pitchers for today's and tomorrow's games, and outlining which pitchers from yesterday are worth grabbing off the waiver wire. Stay on top of everything with Nick's daily Starting Pitcher Roundup article, SP Streamer Rankings article, and weekly updates of the Top 100 Starting Pitchers at PitcherList.com. Join Our Discord & Support The Show: PL+ | PL Pro - Get 15% off Yearly with code PODCAST Proud member of the Pitcher List Fantasy Baseball Podcast Network Join Our Discord & Support The Show: PL+ | PL Pro - Get 15% off Yearly with code PODCASTProud member of the Pitcher List Fantasy Baseball Podcast Network Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

August is officially Gaming History Month here on FOX on Games! Starting this Monday and running every weekday all month long, we are launching an epic retrospective covering the milestones that shaped the industry. In Week 1, we lay the foundation with pioneer games from Pong to Super Mario Bros. Week 2 explores the machines, tracing the rise of the arcade, the 1983 video game crash, and the salvation of the home console. Week 3 puts the gloves on with the brutal console wars between Nintendo, Sony, and Microsoft, plus the rise of PC gaming and esports. Finally, Week 4 examines the software that changed everything—from Doom to World of Warcraft—before assessing the interconnected reality of modern gaming. Tune in every weekday to explore the decades of digital entertainment that built a $200 billion global giant. In-Episode Links & Resources: Main Podcast Page: https://radio.foxnews.com/podcast/fox-on-games/ Best Place to Start: New to our historical retrospectives? Catch up on our foundational analysis of the gaming landscape here: https://megaphone.link/FOXM9094923257 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Lisa is entering a significant new stage of life following her recent retirement. As a single woman living alone, she seeks help adjusting to this transition.  Got a dilemma? Call 1-800-DR-LAURA / 1-800-375-2872 or make an appointment at DrLaura.com Follow on social media: Facebook.com/DrLaura Instagram.com/DrLauraProgram YouTube.com/DrLaura Join the Dr. Laura Family!! >> Receive my weekly newsletter, perks, and more! Sign up now, it's FREE > DrLaura.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What's up, everybody? It's Tom Bilyeu here:If you want my help...STARTING a business: join me here at ZERO TO FOUNDER: https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20showSCALING a business: see if you qualify here.: https://tombilyeu.com/callGet my battle-tested strategies and insights delivered weekly to your inbox: sign up here.:https://tombilyeu.com/**********************************************************************If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you.**********************************************************************FOLLOW TOM:Instagram: https://www.instagram.com/tombilyeu/Tik Tok: https://www.tiktok.com/@tombilyeu?lang=enTwitter: https://twitter.com/tombilyeuYouTube: https://www.youtube.com/@TomBilyeuPaleovalley: 30 for $36 https://bit.ly/PaleovalleyITOpusClip: Explore Agent Opus at https://agent.opus.pro/exploreQuince: Free shipping and 365-day returns at https://quince.com/impactpodWhatnot: Download the Whatnot app today and get free shipping on your first order.ATT Business: Switch to AT&T Business at business.att.comEthos: Get a free quote at https://ethos.com/impactSurfshark: Go to https://surfshark.com/bilyeu or use code BILYEU at checkout to get 4 extra months of Surfshark! Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription orderIncogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact Pique: 20% off at https://piquelife.com/impactNetsuite: For the first time ever you can try NetSuite Next for free. If your revenues are at least in the seven figures, go to https://NetSuite.ai/Theory. Built for every industry. Ready for every boardroom.Mamdani sat down with Jon Stewart and made democratic socialism sound like libraries and fire departments. We break down why that framing collapses the second you look at what DSA policy actually says versus how it gets marketed. We get into the rent freeze experiment that already ran in New York, the difference between a social safety net and seizing the means of production, the perverse incentive problem, and why the people this movement celebrates should set off alarm bells. Plus the aggressive-agreement trap: where the left is right about helping workers, and where the branding hides something very different.Tom reacts to a viral Fox News interview with a national co-chair of the DSA—a clip so extreme he initially assumed it had to be a setup. Joining Tom is Drew as the two go point by point through the DSA platform laid out on air: abolishing the Senate, replacing the presidency and Supreme Court, abolishing ICE, opening borders with amnesty, defunding the Pentagon, abolishing prisons, and bringing most large corporations under government ownership. Tom argues this is communism unmasked, and explains why America's founders deliberately built a republic with checks and balances to protect citizens—even from a president they hate—drawing a stark contrast with what happens under unchecked power in places like China and Iran. The conversation then digs into the deeper engine Tom sees behind radical leftism: an ideology rooted in resentment and an "overproduction of elites"—young people loaded with debt and taught that virtue means finding how you're oppressed. Drew pushes the economic angle hard, arguing that a generation locked out of the capitalism ladder, priced out of housing, and drowning in household debt has little reason to defend a system that isn't working for them. Together they wrestle with inflation, minimum wage, NIMBYism, and whether you can defuse the ideological bomb without first fixing the economy. A candid, combative breakdown of one of the most consequential political fault lines in America. Tom takes on Mayor Mamdani's plan to launch five city-owned grocery stores in New York—a $70 million, taxpayer-funded endeavor promising a core basket of goods at 30% below retail. Joining Tom is Drew, who pushes back and presses on the specifics as the two work through why running a grocery store is one of the hardest businesses on earth, operating on razor-thin 1 to 3% margins. Tom walks through the economics step by step: even zeroing out rent, taxes, and profit, a 30% discount on core goods leaves an unavoidable gap—one the taxpayer has to close. He explains how artificially low prices distort the market, put upward pressure on surrounding stores, and threaten to drive local bodegas out of business (who are already suing). Drawing on his own experience selling into Walmart with Quest, Tom lays out the "kingmaker" dynamic and the Vlasic Pickle cautionary tale to show how a state-backed buyer would inevitably bully distributors and suppliers down the chain until someone—often the lowest-paid worker or farmer—absorbs the loss. He points to real-world failures in Baldwin, Florida; Erie, Kansas; and a questionable case in Atlanta, and connects it all to the DSA's July program calling for food, energy, medicine, and transportation to be run "not for profit." The core question Tom leaves you with: what are the odds a government bureaucrat runs a grocery store better than Walmart? His answer is blunt—zero.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour Fears.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour Fears.

PPP 817 – Fantasy Baseball Starting Pitchers To Add And Drop – 8-1-26 The Plus Pitch Podcast with Jake Crumpler from Pitcher List, reviewing all Fantasy Baseball starting pitchers for today's and tomorrow's games, and outlining which pitchers from yesterday are worth grabbing off the waiver wire. Stay on top of everything with Nick's daily Starting Pitcher Roundup article, SP Streamer Rankings article, and weekly updates of the Top 100 Starting Pitchers at PitcherList.com. Join Our Discord & Support The Show: PL+ | PL Pro - Get 15% off Yearly with code PODCAST Proud member of the Pitcher List Fantasy Baseball Podcast Network Join Our Discord & Support The Show: PL+ | PL Pro - Get 15% off Yearly with code PODCASTProud member of the Pitcher List Fantasy Baseball Podcast Network Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Alden Gonzalez joins Buster Olney to discuss Hunter Greene's name being floated on the trade market, the abundance of starting pitching available, the real reason the Los Angeles Dodgers would want Tarik Skubal, why MLB would love Skubal on the Dodgers, the Angels finally realizing they're not close, and the Washington Nationals looking to extend Foster Griffin. Then, the voice of the New York Yankees Michael Kay stops by to discuss stirring his tea with the arm of his glasses, his food peculiarities, Yankees' triage trade deadline strategy, the need for a right-handed catcher and a swing-and-miss reliever, why New York would be loathe to trade top prospect George Lombard Jr., and the Yankees' rotation mowing down opposing hitters. Next, Sarah Langs plays The Numbers Game. Later, Buster answers your questions during Bleacher Tweets. 0:00 Welcome 3:54 Alden Gonzalez joins the show 4:32 Reds Hunter Green on trade block 9:07 Starting pitching will be an available  10:20 All eyes are on Tarik Skubal 19:00 MLB secretly rooting for Skubal to the Dodgers 21:48 Foster Griffin talking contract extension with Nationals 23:22 Angels listening on players more this year 26:40 Michael Kay joins the show 27:13 Michael used the arm of his glasses to stir his tea 29:06 Michael's terrible eating habits 30:56 Where are the best chicken tenders? 31:29 How the Yankees should approach the deadline? 34:42 Don't trade George Lombard Jr. 36:05 Yankees can make the World Series right now 39:00 Rating Michael Kay's weirdness 40:10 Sarah Langs plays The Numbers Game 41:17 Bleacher Tweets EMAIL THE SHOW: BleacherTweets@gmail.com REACH OUT ON X: #BLEACHERTWEETS Follow The Baseball Tonight Podcast on… YouTube: https://www.youtube.com/playlist?list=PLHeL6O-A-ASmSMwbSCFvPKEq1Cslo_lrw Spotify: https://open.spotify.com/show/5FG6xCcd338SgZjZ9urHRI Apple Podcasts: https://podcasts.apple.com/us/podcast/baseball-tonight-with-buster-olney/id137699414 Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Durutti Column. Arca. MOLIY. Host Stephen Thompson chats with Olive Kimoto of member station KCRW in Los Angeles about their favorite albums out Friday, July 31. Plus, a handful of NPR Music writers and critics offer their personal picks in the lightning round.The Starting 5(01:34) Album No. 1- The Durutti Column, 'Renascent' (08:49) Album No. 2- Arca, 'XXXXX'(17:20) Album No. 3- DOMi & JD Beck, 'WHO ASKED?'(22:17) Album No. 4- Shearwater, 'The New World'(29:13) Album No. 5- MOLIY, 'BADDIES

Tickets for Lawntrepreneur Academy LIVE 2026 are officially on sale! In this episode, Liz and I break down everything you need to know about this year's event, why we believe it's going to be our best one yet, and how one day in the right room can completely change the trajectory of your business. We cover the incredible speaker lineup, networking opportunities, Sunday Masterclasses, and what you can expect when you join 300+ contractors in Novi, Michigan this November. If you're serious about growing your business, leading your team better, and surrounding yourself with people who are building something bigger, this is the event you don't want to miss. In this episode: Why Lawntrepreneur Academy LIVE continues to grow every year Meet the 2026 speaker lineup What you'll learn from industry-leading business owners Friday night networking and Saturday's full-day conference Sunday Masterclass options with Sam Gembel or Pat Murray & Ken Demeer Who should attend and why bringing your team is worth it How to grab your tickets before they sell out Event Details Event: Lawntrepreneur Academy LIVE 2026 Date: Saturday, November 7, 2026 Location: Vibe Credit Union Showplace (formerly Suburban Collection Showplace), Novi, Michigan Attendance: 300+ lawn and landscape business owners Includes: Friday night networking, Saturday conference, outdoor demos, catered lunch, afternoon snack, and actionable business training Sunday Masterclasses: Optional sessions with Sam Gembel or Pat Murray & Ken Demeer (sold separately) Featured Speakers: Mark Bradley, Mike Arnold, Pat Murray, Ken Demeer, Steve Wheatcroft, Jerry Schill, Joshua Brecht, plus Brian & Liz Fullerton as hosts. 

Starting A Vending Machine Business: How Matt Miller Built Passive Income From Scratch Discover how to start a vending machine business and build reliable passive income with entrepreneur Matt Miller on this episode of Join Up Dots. If you have been searching for practical business ideas that let you escape the corporate grind and build sustainable wealth, this interview reveals how everyday observations can spark a profitable enterprise. Learn how to identify unconventional business opportunities, overcome economic hurdles, and take the leap into entrepreneurship. Whether you are looking for fresh startup inspiration or a proven model for financial independence, this conversation delivers actionable insights to help you build a better business and life. Listen now to Join Up Dots, subscribe for more episodes, and share this episode with anyone looking to build a better business and a better life. #Entrepreneurship #PassiveIncome #VendingMachineBusiness #StartABusiness #BusinessIdeas #MakeMoney #WealthCreation #FinancialFreedom #LifestyleDesign #SmallBusiness #BusinessGrowth #StartupLife #JoinUpDots #SelfEmployed #BusinessOwner

Alden Gonzalez joins Buster Olney to discuss Hunter Greene's name being floated on the trade market, the abundance of starting pitching available, the real reason the Los Angeles Dodgers would want Tarik Skubal, why MLB would love Skubal on the Dodgers, the Angels finally realizing they're not close, and the Washington Nationals looking to extend Foster Griffin. Then, the voice of the New York Yankees Michael Kay stops by to discuss stirring his tea with the arm of his glasses, his food peculiarities, Yankees' triage trade deadline strategy, the need for a right-handed catcher and a swing-and-miss reliever, why New York would be loathe to trade top prospect George Lombard Jr., and the Yankees' rotation mowing down opposing hitters. Next, Sarah Langs plays The Numbers Game. Later, Buster answers your questions during Bleacher Tweets. 0:00 Welcome 3:54 Alden Gonzalez joins the show 4:32 Reds Hunter Green on trade block 9:07 Starting pitching will be an available  10:20 All eyes are on Tarik Skubal 19:00 MLB secretly rooting for Skubal to the Dodgers 21:48 Foster Griffin talking contract extension with Nationals 23:22 Angels listening on players more this year 26:40 Michael Kay joins the show 27:13 Michael used the arm of his glasses to stir his tea 29:06 Michael's terrible eating habits 30:56 Where are the best chicken tenders? 31:29 How the Yankees should approach the deadline? 34:42 Don't trade George Lombard Jr. 36:05 Yankees can make the World Series right now 39:00 Rating Michael Kay's weirdness 40:10 Sarah Langs plays The Numbers Game 41:17 Bleacher Tweets EMAIL THE SHOW: BleacherTweets@gmail.com REACH OUT ON X: #BLEACHERTWEETS Follow The Baseball Tonight Podcast on… YouTube: https://www.youtube.com/playlist?list=PLHeL6O-A-ASmSMwbSCFvPKEq1Cslo_lrw Spotify: https://open.spotify.com/show/5FG6xCcd338SgZjZ9urHRI Apple Podcasts: https://podcasts.apple.com/us/podcast/baseball-tonight-with-buster-olney/id137699414 Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this thought-provoking episode, Pastor Daniel McKillop and Randy dive deep into the meaning of true friendship through the lens of Scripture and real-life experience. Starting with the familiar story from Mark chapter 2, they unpack what it really means to be a friend—and how genuine friendships are much deeper than simple social media connections. Are thousands of Facebook friends the same as a handful of true, biblical friends? Why do we crave more "friends" and what does it cost us? Discover how social media has redefined friendship, and why making pieces of yourself available to everyone could leave you empty. The hosts also discuss the importance of having friends who bring out the best in you—those who actually help you get closer to Christ, not just support your ambitions or desires. Drawing practical lessons from “Dunbar's number,” they show how Jesus Himself modeled circles of relationship: from the 5,000 followers to His inner circle. The episode also explores “lameness”—not just physical, but emotional and spiritual limitations—and why you need friends who can help bring you to healing, not just enable your weaknesses.

We've got a very special guest this week on the #GRINDcast. Starting life as an illegal immigrant in Florida, battling opiate addiction as a young man, ⁨@Thomasproco⁩ managed to go from rock bottom to a highly successful Top Executive Coach at the Andy Elliot Group.

Ben Criddle talks BYU sports every weekday from 2 to 6 pm.Today's Host: Ben Criddle (@criddlebenjamin) and Co-Hosts: (ronthe3manweav)Subscribe to the Cougar Sports with Ben Criddle podcast: Apple Podcasts: https://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id99676

BSJ's Greg Bedard reacts to what he saw from the Patriots on Day 6 of Training Camp. Greg reacts to the monster day from Patriots QB Drake Maye and discusses the continued improvement of the connection between Maye and A.J. Brown. Greg Bedard Patriots Podcast on CLNS Media is Powered by:

In this episode, we introduce Camden Bucey's new book, Defending Our Hope: An Introduction to Christian Apologetics, and trace its development from an adult Sunday school class at Hope Presbyterian Church to a twelve-lesson Reformed Academy course and now a beautiful hardcover volume. Camden and Ryan Noha explain why the book is intended as an accessible on-ramp to a distinctly Reformed approach—one grounded in the doctrines of God, revelation, and humanity rather than an imagined realm of neutral reasoning.The conversation returns again and again to the living hope of 1 Peter 1:3 and the call of 1 Peter 3:15. Christian apologetics is not chiefly about winning arguments or mastering a script; it is about bearing faithful witness to Jesus Christ, who lived, died, and rose for our salvation. Because the power belongs to God and works through his Word, ordinary believers can speak the truth in love with gentleness, respect, and genuine confidence.Chapters00:00 Introduction01:04 Introducing Defending Our Hope02:12 Upcoming Reformed Forum events04:03 The story behind the book04:28 The book and course as an accessible on-ramp07:58 Formed through the local church13:28 Apologetics in the community21:57 Friendship, community, and everyday witness24:31 Ordinary Christians and the hope within us27:09 The apologetic context of 1 Peter 3:1530:04 Always prepared—with gentleness and respect31:37 The living hope of resurrection33:39 Apologetics and evangelism34:39 Why doctrine determines apologetic method41:28 Scripture as the self-attesting Word of God50:09 Starting anywhere in God's world52:36 Faithful witnesses who tell the truth60:56 Using the book with the free Reformed Academy course62:30 Further study and ordering information65:42 Closing remarksResourcesEpisode resources and Defending Our HopeFree Reformed Academy course: Defending Our HopeReformed Forum bookstoreMentioned in this episode:Join Us In Person: Four Upcoming Reformed Forum EventsBefore today's episode, Camden Bucey shares four opportunities to gather with Reformed Forum in person over the coming months: Apologetics and Evangelism Seminar — August 4–5, 2026, Greenville Presbyterian Theological Seminary, Taylors, SC. Camden Bucey and Carlton Wynne lecture on apologetics and evangelism for the pastor at the GPTS Summer Seminar. Details: https://reformedforum.org/event/apologetics-and-evangelism-seminar-greenville-sc/ Discovering Christ in All of Scripture — August 28–29, 2026, Cahaba Park Presbyterian Church, Birmingham, AL. A Friday evening and Saturday morning seminar exploring how every part of Scripture reveals God's redemptive plan in Jesus Christ. Details: https://reformedforum.org/event/birmingham-alabama-seminar/ 2026 Annual Theology Conference — September 25–26, 2026, Lakeland Church, Gurnee, IL. The Covenant of Grace: One Savior, One People, One Purpose, featuring Dr. G. K. Beale. Early-bird pricing ends August 31. Register: https://rf26.reformedforum.org/ Christ the Center 1000th Episode Celebration — February 19–20, 2027, Hilton Austin, Austin, TX. A live recording of episode 1,000, a shared dinner, and conversations with longtime friends of the ministry. Details: https://reformedforum.org/event/christ-the-center-1000th-episode-celebration/ Seats are limited — register today at https://reformedforum.org/events

He went from boiling plain pasta for dinner to quitting his teaching job and becoming one of Dubai's most recognised food bloggers. This conversation will make you hungry. Faisal joins the pod to talk about how he built his food page from scratch in Abu Dhabi, what it actually took to go full-time as a content creator with a young family, and why he believes Dubai has the best food scene in the world. Along the way we get into the hidden restaurants he genuinely rates, the moment he made dua at the Kaaba and went viral shortly after, and what raising your palate really means when you are eating professionally. Key topics: - Starting a food diary page with 200 followers and scaling it to a full-time income in under two years - Teaching in the UK versus the Gulf, the salary differences and why he could not go back - His top three restaurants right now and what makes each one special - How fasting most weekdays by accident turned into a deliberate routine - Cultural differences in healthcare, raising kids abroad, and building a life without family nearby - The dua he made at the Kaaba and the viral moment that followed

In this episode of The Reformed Brotherhood, Tony Arsenal delivers a rich expository sermon on James 5:1–6, one of the most striking prophetic passages in the New Testament epistles. Drawing on the Jewish literary and cultural context of James's original audience — Jewish Christians scattered from Jerusalem by persecution — Tony unpacks why this text is not a blanket condemnation of wealth, but a devastating judgment oracle against those who hoard riches and oppress the vulnerable. Along the way, he explores the eschatological weight of accumulated wealth, the theology of God's omniscient justice, and the stunning comfort available to the suffering believer. The episode closes by returning to James's thesis: that trials of every kind, including economic oppression, can be counted as joy because of who God is and what He has done in Christ. Key Takeaways James is a deeply Jewish book written to a specific audience — Jewish Christians dispersed from Jerusalem by Saul's persecution, not a general audience of wealthy or Gentile believers. The prophetic "Come now" signals a judgment oracle, not a direct address — James is not rebuking wealthy members of his congregation, but pronouncing eschatological judgment on oppressive landowners using a technique common in Amos, Malachi, and Micah. Hoarding wealth is not morally neutral — it is self-condemning — The corroded gold and moth-eaten garments are not just symbols of decay; they serve as legal evidence against those who refused to use their wealth for God's glory and the good of others. Withholding wages from laborers constitutes a form of murder — In the ancient world, depriving workers of their wages could literally cost them their lives. James draws on Old Testament law to frame predatory economic exploitation as a capital sin. God sees and hears the cries of the oppressed — The wages of defrauded workers "cry out" to the Lord of Hosts, echoing the blood of Abel in Genesis 4. God's justice is not passive or delayed out of ignorance — it is certain and coming. Matthew 25 reframes Christian mercy as care for the body of Christ — The sheep-and-goats judgment is not a general humanitarian mandate, but a specific call to care for persecuted brothers and sisters — and to recognize that mistreating them is mistreating Christ Himself. Trials are counted as joy through the doctrine of imputation — Suffering is not stripped of its pain, but it can be moved from the loss ledger to the profit column because God uses adversity as the instrument of sanctification and glorification. Key Concepts The Prophetic Address: Who Is James Actually Talking To? One of the most common misreadings of James 5:1–6 is assuming James is directly rebuking wealthy Christians in his own congregation. Tony Arsenal corrects this by grounding the passage in its literary and historical context. James employs a well-established prophetic technique — seen in Amos, Malachi, and Micah — of addressing an absent party in order to pronounce judgment on them, while simultaneously comforting those who overhear the oracle. His audience is the dispersed, impoverished Jewish Christians who fled Jerusalem under Saul's persecution. There were almost certainly no wealthy landowners in the room. The "Come now, you rich" is a judgment declaration directed outward, designed to assure the suffering poor that God has seen their oppressor and will act. Far from being a proof-text for radical poverty, the passage is a pastoral comfort wrapped in prophetic fire. Corroded Gold as Legal Evidence Against the Soul James's claim that gold and silver have "corroded" is deliberately shocking — and theologically precise. Gold, uniquely among metals in the ancient world, does not corrode. By saying it has already corroded, James is not making a metallurgical claim but a moral and eschatological one. The accumulated, hoarded wealth of the oppressor has lost its purpose. It sits idle while workers starve, and in doing so it becomes evidence — a legal witness — against its owner in the court of divine justice. Tony draws a direct line between this image and Jesus's teaching in the Sermon on the Mount about treasures stored on earth being subject to moth and rust. Both brothers — Jesus and James — appear to be drawing on the same shared wisdom, likely rooted in the same household and the same mother's instruction. Unused wealth does not just fail to help others; it actively indicts its holder. Counting It All Joy: The Accounting Logic of Sanctification Tony closes the sermon by returning to James 1:2 — the thesis statement of the entire letter — and unpacking the word "count" as an accounting term, directly related to the doctrine of imputation. Just as righteousness is reckoned to the believer in justification, so suffering can be reckoned as joy in sanctification. This is not a call to pretend pain isn't real, or to perform contentment. It is a theological reframing: what belongs in the loss column of the ledger can, by faith, be moved to the profit side — not because the trial was pleasant, but because God is sovereign, good, and working all things toward the believer's conformity to the image of Christ. The oppressor means their wickedness for evil. God means it for glory. The supreme example is the cross itself — the only truly innocent man, suffering the worst evil ever committed, for the redemption of His people. Memorable Quotes The corrosion of that gold serves as evidence for the condemnation of those who are harming you — and the corrosion of this wealth is an indication of the corrosion of their very souls. He sees your pain. He sees your suffering. He sees your victories even when no one else is celebrating them. He sees you — and that should be a great source of comfort. Imputation is an accounting term. And when we count it all joy, we're taking what should be a red line in the loss ledger — what should be an expense — and we're able to move it to the profit. Not because it didn't hurt, and not because we wanted it to happen, but because our God is good enough to not rob us of the chance to be sanctified. Full Transcript Tony Arsenal: Come now, you rich, weep and howl for the miseries that are coming upon you. Your riches have rotted and your garments are moth-eaten. Your gold and silver have corroded, and their corrosion will be evidence against you and will eat your flesh like fire. You have laid up treasure in the last days. Behold, the wages of the laborers who mowed your fields, which you kept back by fraud, are crying out against you, and the cries of the harvesters have reached the ears of the Lord of hosts. You have lived on the earth in luxury and in self-indulgence. You have fattened your hearts in the day of slaughter. You have condemned and murdered the righteous person. He does not resist you." It's always a little, uh, strange to sort of jump into the middle of a series, and, um, you know, Wes is one of the most competent preachers that I know personally, so I trust that he has given you a good and satisfying overview. Uh, but I don't feel like I would be doing my responsibility if I didn't at least touch on a few things, uh, related to the, the intro to James that I think is relevant for this particular passage in a way that maybe is not relevant for the rest of the book. So some of this I hope is review, I, I anticipate is review, but I think it's worth, uh, touching on. James, as you know, is the, the half brother of Jesus. He was the leader of the Jerusalem church, and specifically he was sort of the figurehead of the Jewish church as a whole. Um, the Jewish church was the only church for the very early part of the church's growth. There were always, uh, Gentile believers. Even in the Old Testament, there were Gentiles who trusted in the Lord of Israel and the God of Israel. They were often called God-fearers. They rarely converted all the way to Judaism, but they were sort of seen as an attachment to the Jewish people. They didn't participate in all of the blessings of the Jewish people, but they did participate in most. They often had the same kind of protection. They were in a form of covenant with God. Um, they were able to worship and offer sacrifices. The temple itself had a whole portion of the temple dedicated called the Court of Gentiles, specifically for these Jewish worshipers. And as the church spread, primarily through persecution, which we'll touch base on here in a minute, as the church spread out from Jerusalem into Judea and Samaria, and ultimately to the ends of the earth, it took on a, an increasingly Gentile Greek flavor. As more and more primarily initially Greek converts came into the church, and then of course, as it spread to other sort of non-Hellenistic lands, other, other types of people, other nations, other people groups joined the church, the scriptures which-- the New Testament we receive primarily from Paul, at least in terms of the epistles, um, also began to take on a more Gentile flavor. Not because Paul was a Gentile, but because Paul was ministering primarily to Gentiles What we'll see here is that James is a very Jewish book. I'm sure that along the way there's been several kinds of things pointed out to you to show that, but I wanna show a couple things that not only establish James as the author, James the brother of, of Jesus, but also root the, not only the author, but the audience in a distinctly Jewish Christian, uh, context. So you don't have to turn there, I'll read this, but in Acts, uh, 15, which is the, the great Jerusalem Council, uh, we read this. It says, "With the following letter..." So the, the council meets, they make a decision about what k- what parts of the Jewish law were going to be commended to and recommended, uh, and required for the Christian believers, the Gentile Christian believers, and when they're done, they send this letter to all of, all of the churches. And it says, "With the following letter, the brothers, both apostles and the elders, to the brothers who are at, of the Gentiles in Antioch and Syria and Cilicia, greetings." Now, I don't know about you, but I always sign my emails the same way, right? I've got, like, my work signature that I have to use, that the, the hospital makes me use with all the proper formatting and colors and fonts, but I always have the same signature. Mine is very simple. I just say, "Thanks," right? I just sign it as, "Thanks," above my signature, and I'm sure you all have that sort of characteristic way you sign a s- sign an email, or maybe it's the way you say goodbye at the end of a phone call. My father-in-law always says, "So long," which is a phrase you don't hear very often, so it's very distinct to him. We all have these little tells in our communication that sort of tip off who they're from. If you turn quickly back over to James 1, so just flip the page, uh, to the left here, he starts his letter by saying, "James, a servant of God and of the Lord Jesus Christ, to the 12 tribes in the dispersion, greetings." It's the only two letters in the New Testament that we have where the author identifies himself, sends to a sort of generalized audience, and then signs it, "Greetings." Now, James, the brother of Jesus, was the leader of the Jerusalem Church. He was the leader of the Jewish ch- the Jewish Church in general, and he signed the letter coming from the Acts Council as sort of the presiding minister. If, if we were, y- you might call them, like, the moderator of your business meeting, or we would call them the moderator of our presbytery or our session in the Presbyterian context I come from. He was the one who sort of, like, presided over there, and so the letter that went out to the churches was signed in his name and written, drafted by him. So we see this characteristic way that the letter is addressed with this final word, "Greetings," which is not used frequently in the New Testament We also see when we look at the language carefully that the audience of this, uh, of this letter, it's debated and there are good arguments, but i- in my opinion, it's very clear that the audience of this letter is not Jewish Christians in general or, uh, Jews who have not yet converted. There are some people who would say that 'cause they're called the 12 tribes. But instead it is the Jewish Christians who originally dwelled in Jerusalem and were sent out into the countryside after the persecution that was started primarily by Saul. If you look at Acts, Acts 1 which is, uh, the passage where Saul begins to persecute the church or where Saul kinda comes on the scene as the persecutor of the church, there's a couple distinct, um, distinct linguistic markers we should touch base on. Starting in verse one it says, "And p- Saul approved of his execution. And there arose a day-- that day a great persecution against the church in Jerusalem. They were all scattered throughout the region of Judea and Samaria, except the apostles. Devout men buried Stephen and made a great lamentation over him. But Saul was ravaging the church and entered the house after house. He dragged off men and women and committed them to prison." When we look at this and we compare it to that, uh, again, that first verse of James where he says to the ones who are scattered, we see that there's a pretty strong linguistic parallel that tells us that the people he has in mind for this letter, the people he's addressing, are the same people who were dispersed or scattered out of Jerusalem in the persecution. When he says to the 12 tribes in the dispersion, that word dispersion is not really a translation. It's what we call a transliteration. So it's not like we've taken a word and sort of given it an English word. We've just changed the word, the letters over to English letters. In Greek, the word is diaspora, dispersion, and in, uh, Acts 1, the verb used to, to sort of describe this scattering of them is diaspero. And it is a picture of scattering seed. This is what a farmer would do. So it's not even the normal word we would use when someone is fleeing persecution. It's this idea that God has scattered Christians out into the world, in this case by persecution. He scattered them out into the world to be planted. A lot of this is where we get phrases from Tertullian about the blood of the martyrs is the seed of the church. Now, why does this matter? As I mentioned, we often think in Gentile categories when we're reading the New Testament, and for good reason. One, we're all, all Gentiles, I'm presuming. I, I don't, I don't think-- I think I mentioned this last time, and no one came up and corrected me. I don't think anyone here is ethnically Jewish with ancestry that they're directly aware of, you know, where they trace their lineage directly back. Europe is a, a big amalgamation of just about everything, so most of us probably have a smattering of different ethnicities. But none of us are ethnically Jewish to the idea that we would, uh, identify as such in the same way. And even if we were, we've been raised and grown up in a Gentile context. We live in the West. We have-- We think in different categories. And what's more is most of the New Testament is written primarily to Gentiles by someone who is ministering to Gentiles. So Paul uses a fair amount of, of Hebraisms or things that are related to the Old Testament. Of course, he's explaining the Old Testament, and he makes ample reference to the Old Testament because that is the word of God, and it is profitable for our teaching, our correction, our reproof, and ultimately for our, our sanctification. But he uses metaphors and language in a way that is not common to the Israel context that Jesus and James and Peter and the other apostles were raised in. We don't have time to go there, but there's even some metaphors that Paul uses that are actually used the opposite way in, uh, in the more Hebraic Jewish, uh, epistles we have. One example that comes to mind is, um, Paul looks at the concept of milk, and that's not necessarily a good thing, right? It's not a bad thing, but it's what immature believers use, right? They can't handle the meat of the Bible. They have to be given the milk of the gospel before they can progress to the meat. In the Book of Hebrews, which I don't think was written by Paul, and in other places, Peter uses milk as a way to talk about nourishment, right? We think of the land flowing with milk and honey. Milk was not seen as some sort of substandard food that was only for babies. It was seen as, like, the richest, best thing that you could eat. We all have a linguistic environment that we grow up in. We all have a shared vernacular. You know, if I say something like, "You can't get there from here," everyone knows what that means. Obviously, you can get there from here, but you have to take this circuitous route. We know what that means. I think if we went around the room, we probably would find that there is this shared language. And then if we took individual families, we'd find that even within those families, there's further narrowing down of sort of like inside jokes and words that are used in ways that are not necessarily the same as others So when we read James, or when we read the letters of Peter or the letters of John, we should default to thinking more along the lines of comparing them to the words of Christ in the Gospel, first and foremost, and then to the Old Testament before we start to think about them necessarily comparing them to Ja-- or to Paul or to other kind of first century Hellenistic literature. That's not, of course, to say that Paul and James contradict. I'm sure that we went through a long explanation with much detail when you got to James chapter two, which is, of course, the most famous example. Paul uses the word justification or justify in a legal sense to make or to declare someone to be righteous. It's the verdict that the judge delivers, and it communicates the status. It actually performs what it says. When the judge says, "I find you not guilty," it changes your status from being potentially guilty to being cleared of all charges. Paul uses it slightly differently. He's not using it in the sense of to make someone righteous or to declare them righteous. He's using it to say they've been shown to be righteous. They've been validated. They've been vindicated. And if we get that mixed up, that's the source of all sorts of confusion. So when we come to this passage, and we'll get there, I promise, when we come to this passage, we have to understand some of the metaphors and the language that's being used draws from an existing body of shared cultural language that is foreign to us and is in some ways foreign to the rest of the New Testament, apart from what we see in the Gospels And it's important to remember, and this is why it's so key to land, that the audience of this letter is the persecuted, poor Jewish Christians who probably had a fairly comfortable life, relatively speaking, living in Jerusalem. These are city folks. These are people that live in Jerusalem or farm into the fields immediately around Jerusalem. They were established. They owned land. They probably had family that they had to leave, and now they're scattered out into the country with nothing. They're sent out into the world with no jobs, no family connections, no social welfare. Because they've left the Jewish faith, at least from the perspective of the Jews, they can't even go to their Jewish brothers and sisters and rely on the hospitality that's required in the law of Moses This is so important when we think about how James opens the letter and delivers what I think is his thesis statement. "Count it all joy, my brothers, when you face trials of every kind." Trials like not knowing where the next meal is gonna come from, not knowing where the next roof over your head is, not being sure you can feed your children. We all face real trials and tribulations in our life. Some of them are related to our faith, and some is just the fallen human condition in the fallen world we live in. But we're talking here about a totally different category of, uh, trial and persecution than most of us hopefully will ever experience That brings us to our actual passage now. James opens up this section with a linguistic marker that signifies this is a change in topic. He says, "Come now," or another way to translate it might be, "Now listen. Listen up." When my son is doing something that, uh, I need him to stop or I need to give him instructions, I hold him by his shoulders and I say, "Look at my eyes. I want your eyes right here. Look at my eyes." That's what Paul is doing. He's stopping and he's interrupting the flow of language. This shows us this is a new topic and a new audience. James is not speaking to rich Christians in his audience. First, 'cause there likely weren't any rich Christians directly in his audience. Remember, these are the, the poor Christians scattered out into the Judean countryside, into Samaria He's using a technique that's really common in the prophets. It's common in Jesus, where he's addressing the people who are not really listening as a way to establish that they will be judged, to hold them accountable, but also to comfort those who are hearing the message. This is a form of prophetic address. We see this in Amos, where he's chastising the Jewish leaders. Uh, in Malachi and Micah, this happens. Malachi is primarily, at least initially, is primarily, uh, a book that is railing against the rich leaders in Jerusalem who had oppressed their own brothers and sisters. The chances that those Jewish cr- uh, Jewish leaders were reading his prophecy or hearing his prophecy is pretty slim. So he was addressing a different group to establish the judgment that he was proclaiming on another party. Jesus does this when he says like, "Woe to you, scribes and Pharisees." There were probably scribes and Pharisees in the audience there, but he wasn't just talking to the people in front of them. He was pronouncing a judgment oracle, a judgment prophecy on all people who fit that category, and James is doing the same thing here James is not opposing wealth generally. Sometimes James is used as kind of a New Testament example to justify the idea that we should all be poor and wear shabby clothing and walk around barefoot and dirty all the time. Right? This is a key passage that's used, uh, in parts of the church that really emphasize sort of a poverty-based lifestyle. Think of like the wandering monks of the Middle Ages or the, the, um, sort of more radical exclusionists that exist even in our day. I remember when I was in college, I was really enamored with this figure named Shane Claiborne. Some of you have probably heard of him, and I remember I was so impressed because he, he didn't buy new shoes. He just cut new shoes out of duct tape and put them back together. Now, there's some, you know, there's some rugged, uh, rugged get-it-done-ness that, uh, I think us, uh, New Englanders can appreciate, but God does not call us to wear duct tape shoes, at least not universally. I'm not gonna comment on whether he calls Shane Claiborne to do that. I also don't think Shane Claiborne does that anymore. Um, some of us he may call to a lifestyle of poverty in association with a mission field or in association with a specific calling. He does not call us generally to be poor or to not gain wealth What he is opposing here is the refusal to use wealth appropriately for God's glory and the accumulation of wealth just for wealth's sake We'll see that as we unpack the language here a little bit. He establishes that he's not just talking about the earthly hoarding of wealth, as though somehow the very act of accumulating wealth was itself the problem. What he's doing is he's pronouncing an eschatological judgment on those who hoard wealth and use it to oppress others. We see here he says, "Come now, you rich, and weep and howl for the miseries that are coming upon you." Th- that word weep and howl, those are li-- those are words that are most commonly used in prophetic literature to describe the final cry of anguish. Think about the weeping and gnashing of teeth that Jesus talks about. This is the language he's using. He's talking about the final estate of those who refuse to submit their wealth to God He says, "Your riches have rotted and your garments are moth-eaten. Your gold and silver have corroded, and their corrosion will be the evidence against you and will eat your flesh like fire. You have laid up treasures in the last days." Now, remember what we said. We, we should read this not in light of some general wisdom, although it is general wisdom that if we accumulate wealth, it tends to not actually go well for us if we're not utilizing it in God-honoring ways. But we should read this in light of the most obvious connection, his big brother, Jesus, who taught his people, "Do not lay up for yourselves treasures on earth, where moth and rust destroy, where thieves break in and steal, but lay up for yourselves treasure in heaven, where neither moth nor rust destroys, where thieves do not break in and steal. For where your treasure is, there your heart will also be." To maybe land this linguistic, uh, this linguistic connection a little more, I don't know, vibrantly, I'm gonna speculate a little bit. So if you don't like it, then you can disregard it. This is not God's Word. This is a speculation. I can just imagine little Jesus, little nine-year-old Jesus, and probably little six or seven-year-old James and the rest of their siblings, and there's quite a few of them. And we have Joseph, uh, who maybe at this time was still living, although probably not. We know he was living until Jesus was later, you know, 12, he was still around, but we don't know exactly when he left the picture. But he was a carpenter, and he was not, probably not overly wealthy. Uh, they had had to pick up and move, you know, cross-country anyways. They-- We don't know exactly where they were from initially, but they went to Bethlehem, and then they returned to Nazareth. They probably didn't have a lot. There were a lot of mouths to feed and only one business. They didn't have a farm. They didn't own livestock that we know of. I can just imagine a time when little J- little James or one of his sisters was frustrated about the fact that they didn't have anything. And I could picture Mary getting down and going, "Do not store up treasures in, in, uh, in heaven or on Earth. It's all gonna waste away." The same way we might tell our children kind of a, a moral kind of story. Sometimes we have this picture, last time I was here I, I spoke on Philippians 2, we have this idea that Jesus was somehow like Superman, that he, he was just pretending to be a normal human most of the time. As it touches his humanity, as, as we think about Jesus as a human, he had a, his own human set of thinking faculties, his own human knowledge. He grew in wisdom and stature is what Luke teaches us. Well, where did he get some of this wisdom? There's a good reasonable argument to be made that some of the pr- more proverbial type sayings that we see in Christ, that they actually come from the wisdom of his mother and father. And a really good reason to believe that is James relies on the same exact, uh, sort of proverbial wisdom to l- land his point. He doesn't create his own metaphor, he goes back to, at the very least we can say he goes back to the words of Christ. That's a very safe position to take. But this is the shared linguistic context that they both grew up in And he says, "You've done this in the last days." Now, the, the phrase last days in the Bible, uh, in the New Testament generally refers to the time period from Christ's resurrection to his return. We, for a lot of reasons, think about it as kind of like that climactic end period in time. Depending on your, your persuasion, maybe this is when the Antichrist comes, or maybe this is before or after, or maybe during the time when the church is raptured. But in either case, we think of that sort of last period in time before Christ finally comes back. But the New Testament writers are really talking about the entire duration, from Christ's resurrection to his return is what they're referring to. But it does have in view this idea that we are in the last times. The, the final judgment is not necessarily strictly something that's out there in the future. We are living in the last days now, and so what we do and what we say and, and how we worship and if we worship is eschatology. It is the theology of the last times He also positions this as though this is a universal thing going on with those who hoard wealth. This is a very shocking image. Um, we have very good ways to preserve things in our modern world, right? We have ways to m- to make, uh, stainless steel that won't rust, or at least won't rust quickly. But most things in the ancient world, even most precious metals, corroded. Um, I remember when I was growing up, there was this project in my hometown. I lived in a, a little town called White Bear Lake in, in, um, Minnesota, although little is relative. It's pretty big compared to most of what we have out here. And I remember when I was maybe 12 or 13 years old, they had this big building project to build this brand-new, beautiful lakeside pavilion in the center of town, and it w- just gleamed in the sun. It was so gorgeous, and it was made of copper, and everybody loved it, and two years later, it was bright green. I think it's still bright green. I think they figured out it wasn't worth repairing, so they, they just, they just make sure it doesn't keep getting worse, and at some point, I'm sure they either have or will tear it down. But the one metal in the ancient world that didn't do this was gold. It's part of why gold is such a durable measurement of wealth is because it doesn't wear out. It doesn't corrode. It's very soft. It's very easy to damage it, which is why we don't build statues out of it, or we don't build, uh, buildings out of it usually, but it didn't corrode. So when James says here, "Not only your silver, which tarnishes and corrodes, but your silver and gold have corroded." Not are corroding, but have corroded. The rich hearer of this is probably, you know, sitting around like Scrooge McDuck with a pile of gold coins thinking, "Ah, it looks pretty good to me." And what James is saying is, "No, no, no. No, it's corroded. It's eating away at your heart. It's lost its value because you refuse to use it, and so it sits in a pile doing nothing for no one, except serving to further your own condemnation." This is such a crazy, shocking situation that the insanity of not using your wealth, period, the insanity of sitting on your wealth in the ancient world is going to serve as a form of evidence justifying the condemnation of these wicked fools And further, the corrosion of this wealth is an indication of the corrosion of their very souls. There's something about money. I was-- When I was here a couple times before, I preached one of the wealth passages out of Ecclesiastes, and there's something about money that has a unique way of really, really wrecking us. Either we don't have it and we want it, or we have it and we don't wanna lose it, or we have it and we don't spend it wisely. It seems like there's an infinite number of ways to screw it up. And we landed last time that the gospel is good news because with the nearly infinite ways of screwing it up, we're going to screw it up. But the one way that he talks about screwing it up here is hoarding it and sitting on it and not using it Moving on into verses four and five, James moves us now to a more sort of temporal register. He starts out by talking about what wealth is and what it's doing and how it will ultimately affect the entire life and eternity of those in his targeted audience, those he's proclaiming this prophetic, uh, judgment against. But in verse four, he moves back to the behaviors that are being, uh, being engaged in to show the state of these people's souls. He says, "Behold, the wages of the laborers you, who mowed your fields, which you kept back by fraud, are crying out against you, and the cries of the harvesters have reached the ears of the Lord of Hosts. You have lived on the earth in luxury and in self-indulgence. You have fattened your hearts in a day of slaughter." James here points at the, at the behaviors that show this hoarding behavior, and he does it for a number of reasons. One, he needs to call out sin. That's part of the role of a Christian, and especially a leader or a minister in the church, is, um, to not only call out sin in the body of, of Christ, but in a, I think a very particular way, and there's all sorts of, uh, all sorts of theological controversies flying on around about Christian nationalism and other associated things. Some of it is just the spirit of the age. Um, post-COVID, there's a, a real strong sense that our government has failed us and we need to replace it with something else. But there is a, a true way, and I, I think some of those things are a little misguided, but there's a true way that the church, particularly her leaders, should be speaking to the culture around us, and yes, even to the government, to proclaim the truth of God into a wicked and godless culture. This might take the form o- of a m- minister who goes to a town hall meeting to speak out against a gambling association that's going to be forming, or a, an elder in the church or a deacon in the church who goes to speak to, uh, to the city hall or to the state legislature about the wickedness of abortion and about what we see it does to women's lives when they are fooled into thinking that this is the right thing for them. Again, the church is not the state, and the state is not the church, and we should be very careful not to cross those lines for all sorts of reasons. But we as a culture, as a Christian culture, in the United States particularly, have lost sight of our responsibility to speak truth in all circumstances to those in power So James is doing that, of course. But even more so, this is a way that he establishes for his direct audience, for the Jewish poor Christians who have been scattered in this diaspora, in this dispersion. He looks at them in a sense and says, "I see you. I see what's happening to you." And as God's representative, as his chosen voice for this message, as his inspired author, God sees you too This goes back again, the first two chapters of James serve as kind of a thesis statement and table of contents for the whole book. We get an idea of what may have been happening, the actual, uh, acts that were being engaged in, in, in chapter two verse six, he says, "You have insulted the poor. Is it not the rich who are exploiting you? Are they not the ones who are dragging you into court? Are they not the ones who are slandering the noble name of him to whom you belong?" James has in mind here a form of predatory land purchasing, where the rich were sort of sweeping up property. They were sweeping it up, and then they were charging probably exorbitant prices to those who would lease the land to try to eke out a living. Does that sound at all like any of our current context, right? When's the last time any of us have tried to buy a house and found anything reasonable? Well, a large part of that is that there are big companies that are scooping up all the land and buying all the, the developments. Now, I'm not commenting on those particular situations. I don't know those people. I don't know their hearts, and some of those things actually are doing good things for the community. But we're familiar with this idea of someone who will purchase a resource, who will then jack the price up in order to turn a profit on it. I'm not opposed to turning a profit. Y- y- yeah, it takes money to run a business, and you have to, you have to recuperate those funds if your business is going to survive. But there's a, there's a way that that can be done that is a predatory act These rich landowners were getting fat on those that they were victimizing In our, in our modern world, we tend to think of someone who is overweight as unhealthy, for good reason, right? Too much weight, and I say that with someone with a little too much padding around the middle, so no, no judgment on this, but too much weight is not healthy, right? We hear that from our doctors, that there's a healthy weight range and there's an unhealthy weight range. In the ancient world, obesity was not the concern, right? Malnutrition was the concern. And so when you see, uh, a king in the Old Testament who's, who's noted to be fat, that's not always negative. Sometimes it is, but he's noted to be fat or he's noted to be large. Even the word for glory, I'm sure you've heard this before, the word for glory in the Old Testament has to do with being heavy. So this idea of weightiness or, um, being able to eat enough to actually gain weight instead of being thin was seen as a good thing, but not when you use it as a way to victimize other people. A person who gathers wealth honestly and enjoys it, that's, that's Proverbs right there. That's the Book of Ecclesiastes in its sort of positive sense, is that we, when we accumulate wealth and we use it for God's glory, it's perfectly okay for us to also use it for our enjoyment. God wants us to enjoy the fruit of our labor. But when we accumulate wealth and use it as a way to gain power over someone and to abuse them, that is what James is railing against here And ultimately, with the audience that James is writing to, this is a form of murder. This is why he says, "You have fattened your hearts in the day of slaughter." Because a person who can't feed their family in the Old Testament or in the New Testament era was likely to see them die. There are not a ton of people in modern America that are starving to death on the streets. It's not to say it doesn't happen. It's not to say that there's not things like food insecurity or malnutrition, but there are, there are plenty of places people can go to get their basic food needs met. It was not like that-- It's not like that in most of the world now, and it certainly was not like that in the ancient world. And so a, a landowner who again refuses, we're talking about the Jewish landowners, refuses to obey the Jewish law to leave some leftovers for the poor, and instead gleans all the way to the corner so that they can turn a little bit of extra pro-profit, is not only sinning against the Old Testament law, but is committing murder in the strictest sense by refusing to preserve the life of these poor, uh, Christians who are destitute And again, James is encouraging his readers here that the Lord has not ignored their plight. We can think back to the Book of Habakkuk, where Habakkuk basically lodges a lawsuit against God, saying, "You are not paying attention. You're not doing your thing. You're not being faithful to your covenant." And God says, "Let me show you how faithful to my covenant I am. The Chaldeans are on the way." And Habakkuk is like, "Whoa, wait a second here. That's not what I had in mind." God sees the oppression of the poor. He knows when His people are targeted. He knows when children are abused or when widows are ignored. He knows when the government does something to shut down a church, or when the medical institution refuses to acknowledge your personal rights. He sees those things, and He's not ignorant, and He's not static. He's not sleeping on those things. The purpose here is to comfort the oppressed by showing that God is not ignorant of what has happened to them. Just two quick Old Testament examples that use similar language. In Genesis 4, we read of Cain and his murder of Abel, and in verse eight it says, "Cain spoke to Abel his brother, and when they were in the field, Cain rose up against his brother Abel and killed him. Then the Lord said to Cain, 'Where is Abel your brother?' He said, 'I don't know. Am I my brother's keeper?' And the Lord said, 'What have you done? The voice of your brother's blood is crying out to me from the ground.'" Numbers, uh, 35 verses 30 says, "If anyone kills a person, the murderer shall be put to death on the evidence of witnesses, but no person shall be put to death on the testimony of one witness. Moreover, you shall accept no ransom for the life of a murderer who is guilty of death, but he shall be put to death. And you shall accept no ransom from him who has fled to the city of refuge, that he may return to dwell in the land before the death of the high priest. You shall not pollute the land in which you live, for blood pollutes the land, and no atonement can be made for the land except for the blood that is shed in it, except by the blood of the one who shed it." There's a rich history in the Old Testament of language of inanimate things, land, blood, wealth, other kinds of things that give testimony to God in some way, and specifically of these inanimate, uh, impersonal things testifying to the sin of the people that dwell around them. Even Christ says, "If these people do not worship me, the rocks will cry out." Now, the rocks are not literally crying out, although it certainly would be within God's power to make the rocks sing. But Christ is not saying in that passage that the rocks are going to form mouths and begin singing Hosanna or whatever song they might have been doing. What he's saying is that the very rocks themselves give testimony to the glory and goodness of God. So even if the people around here fail to do so, the entire rest of creation is doing so, and that is what James is saying here. My dear brothers and sisters scattered in the dispersion who have nothing, and in society's eyes are nothing, some of you are facing persecution. Some of you will be killed for your faith, but God sees because the wealth that is being accumulated on the breaking of your own backs is crying out. The corrosion of that gold serves as evidence for the condemnation of those who are harming you We often want justice in the moment. I think we always want justice in the moment, don't we? I think it's a really hard discipline to say, "That person wronged me, but I'm okay letting God sort it out." That is a hard pill to swallow, but it is often the pill that we have to take. It's the medicine that God uses to further our justification, our j- our, uh, excuse me, our sanctification Paul says, you know, "Do not take vengeance. Let the Lord do that." We can trust, and this is where the comfort of this passage comes for us, brothers and sisters, we can trust that when we are wronged, that when someone has done something to us that is a violation of God's law, that that sin will be punished. Now, when we're dealing with other Christians, that sin has already been punished, and so it is not, it is not appropriate for us to hold onto that and to take vengeance. That's what the parable of the unmerciful servant is all about If I as a Christian refuse to forgive my brother and sister when they've wronged me, it's me saying that I'm a better judge of their sin and I'm a better executioner than the Lord is when he punished that sin on the cross. But that sin was not atoned for when we're talking about unbelievers. When we're talking about those who will ultimately end their earthly life and find themselves waking up in flames, that sin has not been atoned for, and so God will have his justice, and we will have our justice. We won't turn there, but in Revelation, we're familiar with the passage, I think it's chapter six, where the martyred saints are under the throne and they say, "How long, O Lord?" Well, God doesn't answer their question, but he gives them new clothes. When Job cries out and he's, he's saying, "I don't understand why this is happening. Why are you targeting me, God? Why, why are you a hunter with your arrows in my liver?" God doesn't tell him why, but he says, essentially, "I'm God and you're just going to have to trust me that this is right." We see a very similar, uh, kind of situation here when we think about when, uh, when Abraham, uh, when God tells Abraham what he's about to do to Sodom and Gomorrah, and then Abraham negotiates, apparently negotiates with God, uh, trying to secure the salvation of the city for the sake of the righteous. And we read starting in verse 20 of chapter 18, he says, "The Lord said to, to Abraham," he says, " 'Because the outcry against Sodom and Gomorrah is great and their sin is very grave, I will go down to see whether they have done altogether according to the outcry that has come to me. If not, I will know.' " God is always seeing and investigating the sin of people We're, we're teaching my son, August, the children's catechism, which is a, a great resource. Um, and one of the questions is, "Can you see God?" And the answer is, "No, but he always sees me." Now that may feel at first to some people like a little bit of a heavy-handed answer, but knowing that God sees us is not just there to correct our sin. It should do that, right? Even the secret sins we commit in the dark when, when we're not being watched by anyone else, even, even those God sees. But do you know what else He sees? He sees your pain. He sees your suffering. He sees your victories even when no one else is celebrating them. He sees your progress. He sees you, and that should be a great source of comfort Now this passage, especially verse six, can be a little bit hard to apply because although we're the targeted audience, we're not the target of the judgment oracle. So I think what we have to do, we have to, we have to think about this in light of the way that God talks about the judgment of unbelievers in other places in the scripture, and how that helps us to understand kind of what our, what our status is. If you'll take your Bibles and open to Matthew chapter 25, I think the, um, the account here of the goat and sheep judgment, uh, is instructive for us Starting in verse 31, it says, "When the Son of Man comes in his glory and the angels with him, he will sit on his glorious throne. Before him will be gathered all nations, and he will separate people one from another as a shepherd separates the sheep from the goats. And he will place the sheep on his right, but the goats on the left. Then the King will say to those on his right, 'Come you who are blessed by my Father, inherit the kingdom prepared for you from the foundation of the world. For I was hungry and you gave me food, I was thirsty and you gave me drink, I was a stranger and you welcomed me, I was naked and you clothed me, I was sick and you visited me, I was in prison and you came to me.' Then the righteous will answer him saying, 'Lord, when did we see you hungry and feed you or thirsty and give you a drink? When did we see you a stranger and welcome you, or naked and clothe you? And when did we see you sick or in prison and visit you?' And the King answered them, 'Truly I say to you, as you did it to one of the least of these my brothers, you did it to me.' Then he will say to those on the left, 'Depart from me for you for, uh, depart from me, you cursed, into the eternal fire prepared for the devil and his angels. For I was hungry and you gave me no food, I was thirsty and you gave me no drink, I was a stranger and you did not welcome me, I was naked and you did not clothe me, I was sick and in prison and you did not visit me.' Then they also, uh, they also will say, answer saying, 'Lord, when did we see you hungry or thirsty or a stranger or naked or sick or in prison, and not minister to you?' Then he will answer them saying, 'Truly I say to you, as you did not do it to one of the least of these, you did not do it to me.' And these will go away into eternal punishment, but the righteous into eternal life." Now, this passage is sometimes understood as a general command to feed the poor or the sick, or to visit those in prisons, or any of the f- the sort of mercy ministry things that, that, um, are mentioned here. And those are all things that Christians should do, right? We should be engaged in, um, in mercy ministry to the poor, to those who are destitute. We should be mindful and thoughtful of those who have needs around us. What this passage is teaching, though, is not a general command to feed all people, but a specific command to care for your brothers and sisters in Christ when they have a need He doesn't say to the righteous, "You did these to everyone." He says, "Whatever you did to the least of these, my brothers, you did it to me." All of the things that are listed here, the, the six mercy ministries that are listed by Christ here, are things that persecuted Christians were suffering at the time, persecuted Jew- Jewish Christians, and that would be common experiences for, for Jewish Christians and for all persecuted Christians. Right? They're hungry. They don't have food. Our diaspora Jewish Christians don't have land to farm, and even if they're able to scrape together enough funding to lease out a farm, they're being, uh, they're being totally overwhelmed by the cost of that. The sort of homeowners association dues of these pyramid schemes that were going on in the first century, they were so exorbitant that it wasn't even subs- subsistence farming. Christians were being thrown in, uh, in prison. They didn't have enough money to replace their clothes when it wore out. They couldn't have access to clean water. We take clean water as such a, such a basic thing, and it's so easy. You just turn on the tap, or you just go to the store and you buy a bottle of $7 water. It wasn't like this in the first century. If you didn't have a well, you didn't have water, unless you had someone who cared enough to share this precious resource with you. And so what Christ is saying to, to his people, both in the immediate audience on the Sermon on the Mount, uh, and in this, the Olivet Discourse here, what he's saying to his people is when someone in the body of Christ does not have what they need, the body of Christ should step up and make sure that that is the case, that they take care of that person. And likewise, he's saying to those who are not a part of the body of Christ, "Depart from me, I never knew you." Now, the intro to this, why it sometimes is called a parable, is the sheep and the goats. We sometimes go way too far into the arena of comparing the behavior of sheeps with the behavior of the people here, right? Sheep are nice, they're affable, they listen to you. In reality, from what I understand, sheep are pretty dumb and can be very stubborn, right? And then we, we read and we go, "Goats are stubborn, they're rebellious, they're not really good for anything." Well, there's a reason people have goats on farms. They, they can be stubborn, right? They can be destructive, but they also serve a purpose. So the point here is not that sheep are good and goats are bad. The point is that sheep are not goats and goats are not sheep. And, uh, another point that comes with this is sheep don't become goats by behaving like goats, and goats don't become sheep by acting like sheep. I have some friends that will tell you they have very affectionate, friendly, lovable goats, right? I'd, I would... If I could get my kids one of those little pygmy goats that everybody loves, I would do that, 'cause they can be very kind, very sweet, and they're very smart. But they're not sheep. And if you read this passage carefully, this fact that those who are taken to the right are, are in fact taken to the right is not because they fed the poor. It's not because they ministered to Christ by feeding the least of these. They did those things because they were part of the kingdom The King says to those on His right, "Come, you who are blessed by my Father, inherit the kingdom prepared for you from the foundation of the world." The sheep on the right were always going to be the sheep on the right. They were predestined according to the counsel of God's will before all time to live and walk in good works. That's just Ephesians 2 there. That's also just James 2 there. You have faith, I will show you my faith by my works. This is evidence language, loved ones Likewise, the ones who are told to depart into eternal darkness were also predestined not to inherit this kingdom. No kingdom was prepared for them before the foundation of the world. They have no inheritance. They have nothing. They will end up in the state that they are trying to impose on these poor Jewish Christians. They will end up in the state that they may be trying to impose on some of us in this room And for the final verse here in, in chapter five, in verse six here, there's a lot of discussion and debate in the commentaries about who the identity of this righteous one is. It says, "You've condemned and murdered the righteous person, he does not resist you." Now, some commentators will take the fact that this is the singular righteous person, that he has been murdered and h- was condemned, and will take this as a reference to Christ. And that would, would make good sense, right? The Jewish, the wealthy Jewish landowners, the wealthy Jews in Jerusalem who per- who persecuted and cast out, um, the Christians, they were in the same group of people who condemned and murdered Jesus And at least at the time of writing this, and in many ways in our own day, God is not necessarily resisting them. He's allowing them to store up judgment for the coming day of wrath There are others who will take this as sort of the hypothetical singular, right? The righteous one or the righteous person is this, uh, representative hypothetical person that represents all of the persecuted Christians. And so it's more like saying, um, to the, the wealthy landowners who are persecuting Christians, "You have condemned and murdered the Christians, the righteous people, and we do not resist you." Now, at the end of the day, it's, it's always good to have good, sober, well-intentioned, text-based debates about what the Bible means. We can and we should try to convince others, uh, when we think they're wrong about what the scripture means. So that's not what I'm saying here. But in many ways, which of those two perspectives it actually is doesn't change the interpretation of this passage. Like we read in Matthew 25, like we read in Acts 9 when Christ comes and confronts Saul, what you do to God's people, you are doing to Christ himself. What you do to the body, you have done to the head. It's a little bit weird to say that when I stub my toe, I injure my head, but that's true, right? I don't injure my toe as though it's some separate piece. It's not like I'm a Lego man where I can just swap out a hand that gets cracked and put it back on. When I injure my toe, I injure myself. My whole body is injured even though it's specific to a part of my body. When you-- when someone persecutes you, when they, uh, try to extort your wealth, your funds, when they try to harm your body, when they try to take away your children, all things that are happening not just out there in the world, but in our country, even in our own region. When they try to tell you that because you don't wanna play a basketball game, that you can't play sports at all. When a city taxes a portion of a church's property because they don't think it's being used for religious purposes, they are doing that to Jesus Christ himself, and God will not be mocked This should call us both to faithfulness and to encouragement How people treat Christ or how people treat Christ's people, including how we trust, tr- uh, treat Christ's people, shows us what we think about Christ. The people who take care of the church do so because they love God, and they do it out of a regenerated heart that already loves God. And the people who hate the church do it because they hate Christ, and they do it out of their wickedness and out of their wicked heart This brings us back again to the thesis statement of James. "Count it all joy, my brothers, when you meet trials of various kinds, for you know that the testing of your faith produces steadfastness. And let steadfastness have its full effect, that you may be perfect and complete, lacking in nothing." And then he says later in that, uh, first chapter in verse nine, "Let the lowly brother boast in his exaltation, and the rich in his humiliation, because like the flower of the grass, he will pass away. For the sun rises with its scorching heat and withers the grass; its flower fails, and its beauty perishes. So also will the rich man fade away in the midst of his pursuits. Blessed is the man who remains steadfast under trial, for when he has stood the test he will receive the crown of life, which God has promised to those who love him." Now, you're all coming up to the end of James here. Um, we probably have two, two more sermons, I would guess, and the rest of this chapter is reinforcing this. It's unpacking for the immediate audience and therefore for us, it's unpacking that although the rich have their punishment coming to them, that likewise our consolation, our comfort from Christ is also coming to us. He closes the whole letter out, he returns to his thesis statement to say, "I'm not going to pretend that the trials you're going through are joyful, but you can count it all joy." You can reckon it, you can impute it as joy, my brothers and sisters. You can put it in the joy column instead of the t- the pain column, right? We had discussion about the beautiful word imputation in the announcements and scripture reading in the beginning here Imputation is a, is an accounting term. And when we count it all joy, we're taking what should be a red line in the, in the loss ledger, right? We're taking what should be an expense, and we're able to move it to the profit. We're able to move it to the positive side, not because it didn't hurt and not because we wanted it to happen, but because our God is good enough to not rob us of the chance to be sanctified When we are oppressed and opposed, those who are oppressing and oppose us mean it for evil, just like Joseph's brothers, uh, and Pharaoh, and all sorts of wicked men in, in the Old Testament and in our own world. Pilate, Herod, you mean, you name it in the Bible, this applies. They meant their wicked acts for wicked things, but God, rich in mercy, works all things for the good of those who love Him and are called according to His purpose. And what is that purpose? That we might be transformed into the image of Christ so that Christ may be glorified and He may be the firstborn among many brothers. When we face trials and suffering of every kind, it leads us to our sanctification and to our ultimate glorification. We do not earn those things. We don't sanctify ourselves any more than we justify ourselves, or that any more than we will glorify ourselves or will raise ourselves from the dead. That is all God's work from start to finish. But God does use these things that He brings us through as a way to bring about that work It's like he bends us over the hammer, over the anvil of trials, and he hammers us until we become a sharp sword in the hand of, in his hand. Or he polishes us with a rough cloth until we become a smooth, beautiful gem, right? Think of any number of refining things that need to be done. It always involves, if the thing was, uh, was a person, it always involves something that would hurt a little bit. It always involves a little bit of damage to wear away the impurities. Our sanctification and our glorification is no different than that. He uses adversity. He uses the wicked actions and intentions of, of evil men and women. He uses those things to glorify us. So although we should never, uh, we should never seek those things, right? You don't have to go and make yourself the soft target to the wicked people. It's okay to keep your head down. There's nothing wrong with that. The Jewish Christians were probably doing their best to keep their heads down most of the time, and that's fine. There's not any words in scripture about being a coward if you don't, if you don't put a target on your back. But your target is gonna get there eventually, and that's not a bad thing. We can welcome that. We can count it as joy because of who God is and what he's done. The supreme act of suffering, the supreme act of, of evil happened to the only innocent person there ever was, and it happened to him for us.  this episode is available below.

It's been a while, so I'm sharing a little life update! In this episode, I catch you up on what life has looked like over the past few months, including: Starting my new job and why it's been such a good fit for this season A baseball-filled summer and learning to embrace the chaos Recovering from a back injury and how my fitness routine has completely changed My evolving thoughts on work, "freedom," and cycle syncing Family updates, fall plans, and what's next for Living in Sync It's an honest conversation about embracing the season you're in, letting go of perfection, and trusting that life doesn't have to look the way you once imagined to be really, really good. Follow Me on Instagram Reference Episode About Self Employed vs. W2 If I forgot a link just message me on the gram! 

Send us Fan MailEmily Elek is one of the most respected and prolific figures in American pony hunter sport — a trainer, breeder, and program builder whose Stonewall Ponies in Ixonia, Wisconsin has become one of the largest and most recognized pony operations in the country. While attending the University of Wisconsin at Madison, where she majored in zoology, she helped establish the school's equestrian team and competed in the open equitation divisions and the Cacchione Cup. That combination of academic rigor and hands-on equestrian leadership was a preview of the career she would build. While Elek was still in school, her mother purchased 38 acres that would become Stonewall Farm in Ixonia, Wisconsin — and what began as family land became the foundation of one of the Midwest's most significant equestrian programs. Today, Elek operates one of the largest pony leasing, sales, breeding and training operations in the country, taking a holistic view in developing ponies and riders for lifelong success. Her breeding program has produced generations of competitive hunter ponies, and her leasing model has long been recognized as one of the most thoughtful and accessible in the sport. Her stated goal — to produce top quality ponies while allowing kids to have the same opportunities she had — is evident in the reach and structure of Stonewall's program, which sends ponies to riders across the country and annually fields one of the largest strings at USEF Pony Finals. At Pony Finals, the Stonewall show team competes on average about 20 ponies in barn and has leased or sold annually up to 100 other competing ponies. Beyond the ring, Elek has emerged as a genuine voice in the governance and structure of pony sport. She has written and spoken publicly about the format and future of USEF Pony Finals, advocating for changes that prioritize partnership between pony and child rider — a perspective shaped by decades of watching young riders develop through the division she has dedicated her career to. As a horsewoman, she has said she is most proud of her older ponies that are still out there teaching kids how to ride — proof, in her view, of a strong foundation and good care when a horse or pony is happily working in their late teens and twenties. Emily Elek is, in every meaningful sense, one of the great stewards of the pony world — a professional whose program has launched countless junior careers and whose commitment to accessibility and quality in equal measure has made Stonewall Ponies a name that resonates from the Midwest circuit to the championship rings of Kentucky.Lily Bisson is a Maryland-based equestrian, horse farm owner, and nonprofit founder whose response to one of life's most difficult diagnoses became a gift to an entire community. An avid foxhunter with clubs in Maryland and an amateur eventer at local venues, Lily owns a horse farm in Clarksburg, Maryland — a life built entirely around horses and the tight-knit community that surrounds them. She was diagnosed at 40 with breast cancer during her first routine mammogram, a moment that would change the trajectory of her life in ways she could not have anticipated.When she joined a few online support groups for women with breast cancer, most didn't quite fit. "It was the women in my local horse community who truly understood," she said. That realization planted a seed. During her recovery from a double mastectomy, while she couldn't ride, Bisson launched Gallop For Life, a 501(c)(3) nonprofit organization — channeling the energy she could not put into the saddle into something that would reach far beyond her own barn.Gallop For Life is a grassroots organization that sends equestrian-themed gift baskets to newly diagnosed women across the country, each basket handmade by Meredith Ingram, one of the group's survivors. While the support group is specific to breast cancer, the charity sends baskets to women diagnosed with any type of cancer. What began as one rider's determination not to face a devastating diagnosis alone has grown into a national network of horsewomen supporting each other through the hardest rides of their lives. Among the organization's future initiatives is establishing a financial aid process specifically targeted to help horse professionals who are self-employed — jockeys, farriers, and trainers — who need assistance during treatment.The reach of Gallop For Life has extended into the hunt field as well. In 2024, the "Chase for the Cure" brought together members of five different hunts, with all proceeds benefiting the charity — a testament to how deeply Bisson's mission has resonated across the equestrian community she has always called home. Gallop For Life's mission is to stand beside every equestrian woman battling cancer, providing the support and assistance they need to navigate through the challenging journey — because horsewomen, as Lily Bisson knows firsthand, are fiercely strong, independent, and far less likely to ask for help than they are to need it.Sally Batton is one of the most accomplished and innovative coaching minds in American collegiate equestrian sport — a hunter-jumper educator, author, clinician, and institution builder whose career spans four decades and touches every level of the sport from first grade through Division I athletics. She served as the head coach of the Dartmouth College Division I Varsity Equestrian Team for thirty years, coaching dozens of riders to regional, zone, and national titles — a tenure that established her as one of the most respected figures in the IHSA universe and one of the most effective developers of the complete equestrian athlete in the collegiate space. She is the past Intercollegiate Horse Shows Association National Steward, was presented with the IHSA Lifetime Achievement Award in 2013 in recognition of her contributions and leadership within the organization, and in 2020 was inducted into the inaugural class of the IHSA Hall of Fame — a distinction that places her among the founding pantheon of the organization's most celebrated contributors. Batton is a certified instructor with both the United States Hunter Jumper Association and the American Riding Instructor's Association, and in 2008 was named ARIA Instructor of the Year. She holds an Equestrian Studies degree from Lake Erie College and a master's degree in Communications from Fairleigh-Dickinson University. Her contributions extend well beyond the show ring and the coaching box. Batton is the Founder and President of the Athletic Equestrian League, an organization which offers horsemanship education and competition opportunities to riders from first grade through adult, and she hosts the Athletic Equestrian Riding in College Podcast. In 2023, her training tool invention, the Sally Batton Pommel Blocker, was launched by Correct Connect, the industry leader in rider training aids. As an author, she co-wrote The Athletic Equestrian and Equicize, both Horse & Rider Books publications written alongside co-writer Christina Keim — books that have found devoted audiences among coaches and competitive riders at every level for their practical, biomechanics-based approach to developing strength, suppleness, and position in the saddle. Today, Sally travels all over the United States, including Alaska and Hawaii, teaching clinics to riders of all ages and levels — bringing a career's worth of insight and methodology to every corner of the country where someone wants to become a better rider.Raegan Comeaux is a Louisiana-based hunter-jumper trainer, USEF licensed official, USHJA credentialed coach, curriculum developer, and founder whose career represents one of the most comprehensive visions of equestrian education currently operating in the American hunter-jumper world. She has been showing in the hunter-jumper discipline since the age of 8, and her professional life has been built entirely around transforming that lifelong passion into structured, accessible, high-quality equestrian education for riders at every level. A graduate of Louisiana Tech University with a degree in Animal Sciences with a specialty in Equine Science and a minor in Business and English, Comeaux brought both academic rigor and practical expertise to the facility she built alongside her mother from the ground up. Starting wittheplaidhorse.comThank you so much for joining us today on the Plaidcast. This podcast is a labor of love, and every single episode exists because of this incredible community of riders, trainers, barn managers, parents, and horse lovers who show up in the barn, in the ring, and right here with us.At The Plaid Horse, our commitment goes far beyond the show ring. We believe deeply in the power of literacy and education and that every rider, at every level, deserves access to knowledge, stories, and ideas that make them a better horseperson and a better human being. Reading matters. Learning matters. And the stories we tell each other in this sport matter more than we sometimes realize.Whether you are a junior rider picking up your first copy of The Plaid Horse  Magazine, a professional trainer looking for inspiration, or someone who simply loves horses and everything this world stands for then this community is for you. You belong here.We build this together. Every article, every episode, every conversation is an opportunity to learn something new, to feel less alone in the challenges of this sport, and to be reminded of why we fell in love with horses in the first place.Until next time, keep reading, keep learning, keep riding, and remember that the horse world is better when we build it together. I will see you at the ring!

In the second hour, Dave Softy Mahler chats with Bret Boone about Bryan Woo’s issues on the road this year and the mental struggle with it, the Mariners at the trade deadline and players from the Padres they could go after, then Jackson Felts rejoins the show to discuss Softy’s confidence in Woo tonight before reacting to a new WNBA controversy.See omnystudio.com/listener for privacy information.

Sean Salisbury, former NFL quarterback and the host of Unpaved, joins Afternoon Drive on The Fan. He talks about where Deshaun Watson stands in the Browns organization, how Todd Monken could get Watson over the hump, quarterbacks with the most to prove around the league, and more.

They debate whether Deshaun Watson's massive contract will force the Cleveland Browns to start him over Shedeur Sanders. The conversation covers Jimmy Haslam's perspective on team success, training camp battles at left tackle involving Dawand Jones and Spencer Fano, and the potential pitfalls of a two-quarterback system. 01:03 - Jimmy Haslam's Comments 02:31 - Watson vs Shedeur Sanders 04:19 - NFL Daily Analysis 07:16 - Roster Competition Battles

Ever wondered if your greenhouse control system is actually helping—or if it's leaving you in the dark about your energy bills? I've been there, and that's exactly what we dig into in this episode.Joining me are Neda, CEO and co-founder of Microclimates, and Gretchen, Executive Director at the Greenhouse Lighting and Systems Engineering Consortium at Cornell, whose combined expertise covers everything from cutting-edge environmental controls to energy efficiency in controlled environment agriculture. Neda has an extensive background in developing technologies that empower growers with actionable data, while Gretchen brings years of research experience with leading universities and utility-backed initiatives in optimizing greenhouse lighting and automation.This episode unpacks the real-world findings from the CalNEX Project—a first-of-its-kind scientific study focused on the impact of smart environmental monitoring and controls in California greenhouses. We compare “smart” and “smarter” systems, revealing surprising industry gaps in environmental data collection, misunderstood overhead costs, and how simple steps can lead to significant energy savings and business sustainability.Beyond the results, we chat about practical steps for adopting automation without ripping out your current systems, new open-platform sensor trends, the reality (and future) of AI in controlled ag, and why a phased, data-driven approach will be key for small and large growers alike. If you're daunted by all the talk of sensors, integration, or AI, consider this the guide to understanding what actually matters—and what you can do today.Curious if you're missing an easy win in your farm's energy management, or want a reality check on all the AI hype? Tune in now and turn your environmental data into your biggest asset!Thanks to Our SponsorsCEA Summit East - https://indoor.ag/cea-summit-east-2025/Indoor AgCon - https://indoor.ag/Key Takeaways00:00 Discussing the CalNEX Project findings03:17 Smart Controls Project achievements07:52 Improving greenhouse energy efficiency10:34 Energy consumption misconceptions12:57 Diverse systems in cannabis farming19:10 Automating greenhouse light management22:22 Operational impacts in construction projects25:40 Consulting on greenhouse tech needs27:50 Discussing phased approach for innovations29:57 Phased approach to AI implementation35:51 Parental influence on IT security37:02 Adopting AI and Automation Tools41:17 Starting with basic crop monitoring43:32 Indoor farming control techniques46:39 Year of retrofits and opportunities49:46 Appreciating industry partnershipsTweetable Quotes"Our job is to complement what's already there. The projects Gretchen mentioned, every site had something different… Our job wasn't to go in and just say, rip everything out for this control study and start over because we want to collect the data. It was really to take a look at what do you currently have, how can we complement that with adding more environmental insight, environmental visibility to that operation, and is there a way that we can integrate what you currently have?" "I'd say the biggest surprise and biggest lesson was that they didn't have enough environmental visibility. A lot of these operations had maybe one temperature humidity sensor hanging in the middle of the room representing the entire greenhouse or a section of the greenhouse. Your control system is only as good as the information it's taking in, like the input, right?""If you don't have the thousands of data points, if you can't summarize the trends, if you can't make any recommendations and alerts, and you can't generate those reports based on the thousand data points, how is this AI going to actually get to know you?... First of all, we have to step back and say, are operators actually collecting data? We already said early on in this conversation they are, but they don't have enough environmental visibility, which means they actually are not collecting enough data."Resources MentionedWebsite - www.microclimates.comYouTube - https://www.youtube.com/@Microclimates-IncInstagram - https://www.instagram.com/microclimatesFacebook - https://www.facebook.com/microclimates.incLinkedIn - https://www.linkedin.com/company/microclimatesLinkedIn - https://www.linkedin.com/in/gschimelpfenig/Resource Innovation Institute - https://resourceinnovation.org/ Microclimates - https://microclimates.com/ Priva Control Systems - https://www.priva.com/Ritter Greenhouse Automation - https://rittergreenhouse.com/Connect With UsVFP LinkedIn - https://www.linkedin.com/company/verticalfarmingpodcastVFP Twitter - https://twitter.com/VerticalFarmPodVFP Instagram - https://www.instagram.com/direct/inbox/VFP Facebook - https://www.facebook.com/VerticalFarmPodSubscribe to our newsletters!AgTech Digest - https://agtechdigest.comThe Indoor Farmer - https://www.indoorverticalfarm.com/Horti-Gen Insights - https://www.hortigeninsights.com/

On Friday's show: Starting today, Texas is banning hemp products containing certain intoxicating cannabinoids. We find out what will still be legal, what will not, and how it's affecting businesses.Also this hour: We learn what a recent investigation by the Texas Observer tells us about when and why school districts across the state choose to have students ages 10-12 arrested for on-campus incidents and discuss how school leaders make those decisions.Then, we break down The Good, The Bad, and The Ugly of the week.And Houston singer/songwriter Kam Franklin performs live in studio.https://www.youtube.com/watch?v=9TfaXAf-JcE&t=445s

Starting the morning off with God is the key to strength and success in your day!Join me in praying the Catholic morning offering, as well as hear meditations, learn about the saint of the day,  and hear today's Scripture readings from Holy Mass.To sign up to receive a daily email of the Morning Offering through The Catholic Company, go to https://www.morningoffering.com/Excerpts from the English translation of The Roman Missal © 2010, International Commission on English in the Liturgy Corporation. All rights reserved.The Morning Glory Consecration Prayer is excerpted from "33 Days to Morning Glory:  A Do-It-Yourself Retreat in Preparation for Marian Consecration" by Michael E. Gaitley, MIC, © 2011 Marian Fathers of the Immaculate Conception of the B.V.M., p. 137.If you have any comments, please email me at Deanna.pierre25@gmail.com.Support the show

PPP 816 – Fantasy Baseball Starting Pitchers To Add And Drop – 7-31-26 The Plus Pitch Podcast with Nick Pollack from Pitcher List, reviewing all Fantasy Baseball starting pitchers for today's and tomorrow's games, and outlining which pitchers from yesterday are worth grabbing off the waiver wire. Stay on top of everything with Nick's daily Starting Pitcher Roundup article, SP Streamer Rankings article, and weekly updates of the Top 100 Starting Pitchers at PitcherList.com. Join Our Discord & Support The Show: PL+ | PL Pro - Get 15% off Yearly with code PODCASTProud member of the Pitcher List Fantasy Baseball Podcast Network Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jeff and Tom discuss potential trade scenarios once the dust from the quarterback battle settles.

Jeff and Tom go over the pros and cons of Shedeur or Watson winning the starting quarterback job.

As I have been working on my book “The UN-WOW,” I've been talking to a lot of people in experience design and experience management about whether or not my idea for the book makes sense. Two things have emerged from these conversations. First, people generally are very supportive of the principles behind The UN-WOW. It seems that people see a lot of opportunity in exploring more mundane aspects of everyday life for design opportunities. It has been great to hear that vote of confidence as I work on the project, and people being excited to hear more about it as it is coming together. The second thing to emerge is that on a certain level, none of this experience design work should be that hard because our goals are pretty simple. At its foundation, we ideally are trying to make life better for our design audiences. Whether it is user, customer, patient, employee, student, client, or any other experience design space, we want to improve the experiences that people have (regardless of whether these experiences are mundane or metamorphic).  How we create these experiences, and the scale that it is done, becomes the work of the designers. What should be easy becomes more challenging when other organizational priorities take over. Organizations can become fixated on outcomes that run counter to the goals of experience designers. Caring about customers, employees, users, and others can be seen as a luxury when the only focus is profitability. Thus, many experience designers feel frustrated when trying to do their work, running into barriers that either minimize the scope of their work, or completely block it from happening. Leaders may want to talk about being human-centered, but don't necessarily see the need to treat people like human beings. To talk about the challenges and opportunities, I welcome Tamar Cohen to the Experience by Design studios. Like many people in experience design, Tamar had a very non-linear path to her work. Starting out as an Art History major, she worked in galleries and auction houses. She found herself at Citibank for 16 years, applying the skills she acquired from art history to her work in customer experience. She also shares her work leading other companies like Zoetis as the Head of Global Customer Experience Strategy and at Travelers as VP of Employee Experience. We talk about the importance of connecting employee experience and customer experience, making your employees your first customers. We also talk about the importance of ethnographic research to understand the full employee and customer journeys.   We also discuss her new project with Michael Lowenstein as well as work with James Killian (both former guests on ExD). She describes what she calls the Halo Effect, which includes conducting qualitative research based on the Four E's Framework: educate, empower, engage, and energize. Her company HaloEffect works by diagnosing the human system first, working with organizations and leadership to put people first. Again, a simple idea that companies struggle executing, which Tamar tries to help them accomplish. It was a great conversation about the importance of employee experience (especially in relation to customer experience), how to lead with a people-first strategy, and how even a degree in Art History can lay the foundation for better experience designs.  Tamar Cohen on LinkedIn: https://www.linkedin.com/in/tamarcohen HaloEffect: https://www.myhaloeffect.com/

July 2026 Sustainable Stock and ETF Picks. Includes articles on the top sustainable pharmaceutical companies, clean energy ETFs, and more! By Ron Robins, MBA Transcript & Links, Episode 169, July 31, 2026 Hello, Ron Robins here. Welcome to my podcast episode 169, published on July 31, 2026, titled "July 2026 Sustainable Stock and ETF Picks." Now, before I begin, I want to apologize if my voice at any time sounds a little rough! This podcast is presented by Investing for the Soul. Investingforthesoul.com is your go-to site for vital global, ethical, and sustainable investing mentoring, news, commentary, information, and resources. Remember that you can find a full transcript and links to content, including stock symbols and bonus material, on this episode's podcast page at investingforthesoul.com/podcasts. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, and I don't receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal any investments I have in the investments mentioned herein. I have a terrific crop of 27 articles for you in this podcast! Note: Sometimes companies are covered more than once. Now with so many articles to potentially cover, I've chosen 4 to quote from. Titles and links to the other 23 can be found on the webpage for this podcast edition. ------------------------------------------------------------- 1) Top 10: Sustainable Pharmaceutical Companies from sustainabilitymag.com I'm beginning this podcast with an article that reviews an industry that is controversial for some ethical and sustainable investors. Nonetheless, the sponsor of this industry analysis needs to be considered. The title of the article is: Top 10: Sustainable Pharmaceutical Companies from sustainabilitymag.com. It's by David Weston. Here is some of his analysis. "Here we present the pharmaceutical companies leading in corporate responsibility, innovation and dedication to a healthier, increasingly sustainable future. 10. Boston Scientific (BSX) Founded: 1979 HQ: Marlborough, US Net Zero Target: 2050 In the short term, it aims to achieve a 46.2% absolute reduction in Scope 1 and 2 emissions by 2030 – compared to a 2019 baseline. By 2050, it wants to achieve a 90% absolute reduction. 9. UnitedHealth Group (UNH) Founded: 1974 HQ: Eden Prairie, US Net Zero Target: 2050 UnitedHealth Group is working to source 100% of its energy from renewable sources and reduce Scope 1 and 2 emissions by 60% by 2030. 8. Danaher (DHR) Founded:1969 HQ: Washington, DC, US Net Zero Target: 2050 Danaher's 2025 Scope 1 and 2 emissions were 30% lower than the 2021 baseline, with 70% of the electricity consumed in its operations drawn from renewable sources. 7. Elevance (ELV) Founded: 1944 HQ: Indianapolis, US Net Zero Target: 2030 Elevance Health… uses 100% renewable electricity, and encourages suppliers to adopt science-based targets… Its initiatives include energy and water efficiency, responsible waste management and low-carbon commuting. 6. Medtronic (MDT) Founded: 1949 HQ: Minneapolis, US Net Zero Target: 2045 Medtronic aims to have 75% of its suppliers backed by science-based targets by 2030… Medtronic also wants to reduce absolute Scope 1 and 2 GHG emissions 52% by FY30 from a 2020 base year. Top 5... 5. McKesson (MCK) Founded: 1833 HQ: Irving, US Net Zero Target: Reduce direct GHG emissions by 50% by 2032. It aims to reduce direct GHG emissions by 50% by 2032 from a 2020 base year. 4. Bayer (BAYN) Founded: 1863 HQ: Leverkusen, Germany Net Zero Target: Before 2050 By the end of 2029, it targets a 42% reduction in Scope 1 and 2 emissions from a 2019 baseline. Strategies include… transitioning to 100% renewable electricity. 3. CVS Health (CVS) Founded: 1963 HQ: Woonsocket, US Net Zero Target: 2050 In 2021, CVS Health emerged as a global leader by securing SBTi validation for its net zero targets… The company is targeting 50% renewable electricity by 2040. 2. Haleon (H6G.SG) Founded: 2022 HQ: Weybridge, UK Net Zero Target: 2040 Haleon uses 100% renewable electricity across its production facilities. 1. Thermo Fisher Scientific (TN8.F) Founded: 2006 HQ: Waltham, US Net Zero Target: 2050 Thermo Fisher Scientific… interim targets including a 50% reduction in greenhouse gas emissions from 2018 levels and 80% renewable energy use by 2030." End quotes. ------------------------------------------------------------- 2) Riding the Green Wave: Clean Energy ETFs Benefiting from etftrends.com Now the case for green energy is clearer than ever, and this article offers reasons for it and what investments to look at. It's titled Riding the Green Wave: Clean Energy ETFs Benefiting from etftrends.com. It's by Ryan Schloesser, and here are some quotes from his article. "Following a multi-year slump in clean energy ETF performance, geopolitical tensions sparking global energy security concerns and energy demand from AI data center projects have driven clean energy investment in 2026… (Starting with) Gains in (3) Global Clean Energy (ETFs) 1. iShares Global Clean Energy ETF (ICLN) tracks the performance of the S&P Global Clean Energy Index… (The) iShares Global Clean Energy ETF has climbed over 20%, and has received inflows of $507 million so far in 2026. 2. Fidelity Clean Energy ETF (FRNW) tracks the Fidelity Clean Energy Index, targeting global companies that derive at least 50% of their revenues from renewable energy. The fund has seen a return of 17.3% and inflows of $60 million this year.  3. Invesco Global Clean Energy ETF (PBD) follows the performance of the WilderHill New Energy Global Innovation Index… (The) Invesco Global Clean Energy ETF has climbed 19% and recorded inflows of $6.5 million in 2026.  Capturing the North American Energy Shift (are the following 4 funds) 1. Invesco WilderHill Clean Energy ETF (PBW) tracks the WilderHill Clean Energy Index… The fund has climbed 20.6% this year with outflows of -$305.2 million as surging Treasury yields and potential interest rate hikes pressure smaller-cap holdings.  2. First Trust NASDAQ Clean Edge Green Energy Index Fund (QCLN) tracks the NASDAQ Clean Edge Green Energy Index targeting North American companies across the green value chain… The fund has grown 27.2% this year and received inflows of $110 million.  3. ALPS Clean Energy ETF (ACES) and 4. (the) ALPS Electrification Infrastructure ETF (ELFY) both provide North American exposure to the clean energy sector. (The) ALPS Clean Energy ETF tracks the CIBC Atlas Clean Energy Index… Focusing more on the electrification infrastructure component of the clean energy transition, (the) ALPS Electrification Infrastructure ETF tracks the Ladenburg Thalmann Electrification Infrastructure Index, providing exposure to the companies physically supplying electricity and grid infrastructure. This year, the funds have returned 5.4% and 22.7%, with inflows of $12.8 million and $58.6 million, respectively.  (And 2) Pure Play (Funds with) Exposure to Solar and Wind 1. Invesco Solar ETF (TAN) offers concentrated exposure to a portfolio of companies involved in the global solar value chain by tracking the MAC Global Solar Energy Index. 2. First Trust Global Wind Energy ETF (FAN) tracks the ISE Clean Edge Global Wind Energy Index. (The) Invesco Solar ETF has returned 14.7% with inflows of $536.1 million in 2026, while (the) First Trust Global Wind Energy ETF has risen 21.8% and recorded inflows of $62.8 million over the same period." End quotes. ------------------------------------------------------------- 3) 3 AI Infrastructure Stocks That Could Double by 2027 from finance.yahoo.com Many ethical and sustainable investors are heavily invested in the AI sphere. So as an homage to them, I have this recent article titled 3 AI Infrastructure Stocks That Could Double by 2027 from finance.yahoo.com. It's by Will Healy at fool.com. Here's a bit of what he says in his article. "1. Nvidia (NVDA) trades at a P/E ratio of 31, which is actually less than the S&P 500 average of 32. This has occurred as Nvidia's revenue grew by 85% yearly in the first quarter of fiscal 2027 (ended April 26). When also considering the 211% profit increase for the same period, the earnings multiple would arguably appear low even if Nvidia's stock price were to double. 2. CoreWeave (CRWV) As one of the leading neocloud companies, CoreWeave has drawn increased attention. Amid the potential for massive stock gains, huge losses and rapidly rising debt levels have soured some investors on this company… CoreWeave has Nvidia as an investor and a partner. That gives the company capital and access to Nvidia's latest technology, giving CoreWeave a competitive advantage. 3. Meta Platforms (META) Facebook parent Meta Platforms is in the process of transitioning into more of an AI-oriented enterprise. The company pledged to spend between $125 billion and $145 billion in capital expenditures (capex), most of which will probably go to building more AI infrastructure… Indeed, the 26% forecasted revenue increase for 2026 is a slowdown from Q1. Nonetheless, that would put downward pressure on an already low P/E ratio if the stock price stayed the same. Moreover, if Meta's AI inspired more confidence, its current valuation indicates the stock price could double without making Meta an expensive stock." End quotes. ------------------------------------------------------------- 4) Top Wind Energy Stocks to Add to Your Portfolio for Solid Long-Term Returns -- from Zacks.com Lastly, I have this article covering a sector that most of you are concerned with. It's titled Top Wind Energy Stocks to Add to Your Portfolio for Solid Long-Term Returns -- from Zacks.com. It's by Avisekh Bhattacharjee. Here are some quotes from his article. "(Note that this is) an updated edition of the May 28, 2026 article. 1. NextEra Energy (NEE - Free Report) is a public utility holding company engaged in the generation, transmission, distribution and sale of electric energy. The Zacks Rank #2 (Buy) company's competitive energy business, NextEra Energy Resources LLC ('NEER'), is a leading generator of wind energy globally. 2. Duke Energy (DUK - Free Report) is a premier utility service provider offering efficient power and energy services. The Zacks Rank #2 company is currently focused on expanding its scale of operations, implementing modern technologies at its facilities as well as enhancing its renewable generation portfolio by investing heavily in infrastructure and expansion projects. 3. American Electric Power (AEP - Free Report) is a public utility holding company, which, through directly and indirectly owned subsidiaries, generates and transmits electricity. Wind forms a part of the company's broader strategy to diversify its generation portfolio and lower carbon emissions… The Zacks Rank #2 company is expanding its regulated renewable asset base. 4. Vestas Wind Systems (VWDRY - Free Report) is a renowned designer, manufacturer, installer and service provider for wind turbines across the globe. To capitalize on rising demand for renewable power, the company emphasizes wind capacity expansion, technological advancement and sustainable energy development… In June 2026, the Zacks Rank #2 company secured five new orders to deliver wind turbines in Germany." End quotes. ------------------------------------------------------------- 23 more articles from around the world with Sustainable Investment Picks for July 2026. 1. Title: This Solar Power Stock Still Has a Bright Future from barrons.com. By Avi Salzman. 2. Title: Solar Beats Coal for the First Time: 3 Dividend Stocks to Buy Now from fool.com. By Reuben Gregg Brewer. 3. Title: 3 Consumer Staples Stocks Riding The Fairtrade Spending Trend from simplywall.st. Reviewed by Sasha Jovanovic. 4. Title: 1 Nvidia-Backed AI Infrastructure Stock to Buy Hand Over Fist Right Now from fool.com. By Dave Kovaleski. 5. Title: Top 10: Wind Power Companies from energydigital.com. By James Darley. 6. Title: This AI Infrastructure Company Has a $638 Billion Backlog and Is Trading Near an 18-Month Low from fool.com. By Matt Frankel, CFP®. 7. Title: 3 Green Investment Stocks Backed By Copper, Biofuels And Solar Demand from simplywall.st. Reviewed by Sasha Jovanovic. 8. Title: Forget Nvidia: This Infrastructure Upstart Is The Real Backdoor AI Winner from fool.com. By Leo Sun. 9. Title: 3 Stocks to Buy on the AI Infrastructure Sell-Off from fool.com. By Geoffrey Seiler. 10. Title: This ESG ETF Owns Google and Intel but Won't Touch Meta, and It's Up 22% in a Year from finance.yahoo.com. By Michael Williams at 24/7 Wall St. Continuing 12. Title: 3 Alternative Energy Stocks Investors Are Watching After The Oil Shock from simplywall.st/. By Sasha Jovanovic. 13. Title: ENVX Stock Soars at Yahoo: Is This the Next Big Environmental Investment?! From catalogo.cpal.edu.pe/. By CPAL. 14. Title: Buy 3 High-Flying Alternative Energy Stocks to Tap AI Data Center Boom from Zacks.com. By Nalak Das. 15. Title: 1 Growth Stock That's Pulled Back 39% and Looks Worth Buying Aggressively Right Now from theglobeandmail.com. By Sneha Nahata at fool.ca. 16. Title: 3 Green Energy Stocks to Buy in July from finance.yahoo.com. By Joel South. 17. Title: 2 AI Infrastructure Stocks That Could Outperform NVIDIA from zacks.com. By Tirthankar Chakraborty. 18. Title: ESG Investors: Why This Dividend ETF Is a Top Pick from ca.finance.yahoo.com. By Baystreet.ca. 19. Title: AI Infrastructure Will Mint More Millionaires Over the Next Decade: 3 Stocks to Buy Right Now from fool.com. By Leo Sun. 20. Title: AI Stocks Investment Strategy 2026: Top Picks & Market Analysis from intellectia.ai. By Jason Huang. 21. Title: 3 Climate Finance Stocks Linked To The World Bank Green Funding Push from simplywall.st. Reviewed by Sasha Jovanovic. 22. Title: BE vs. PLUG: Which Alternative Energy Stock Looks More Attractive? From zacks.com. By Tanuka De 23. Title: 4 High-Growth AI Infrastructure Stocks to Buy for Long-Term Gains from zacks.com. By Anirudha Bhagat. ------------------------------------------------------------- Ending Comment These are my top news stories with their stock and fund tips for this podcast, "July 2026 Sustainable Stock and ETF Picks." Please click the like and subscribe buttons wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And do click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these tumultuous times! Contact me if you have any questions. Thank you for listening. Again, I want to apologize for my voice sounding, at times, a little rough! My next podcast will be on August 28th. See you then. Bye for now. © 2025 Ron Robins, Investing for the Soul

What does it take to rebuild after failure?In this episode of Beating the Odds, Mike Dewey sits down with Shai Mauth, founder of Poké Shack, to discuss an entrepreneurial journey that spans three countries, multiple businesses, bankruptcy, the 2008 recession, and launching a restaurant just as the COVID-19 pandemic shut the world down.Shai shares how he grew up in a family of entrepreneurs, why he has always funded his businesses with his own savings, the lessons he learned from failed partnerships, and how persistence helped him build two successful Poké Shack locations in Illinois. Along the way, he offers practical advice on hiring, customer service, restaurant operations, and why learning from failure is one of the greatest advantages an entrepreneur can have.Whether you're starting your first business or navigating challenges in an existing one, this conversation is packed with real-world lessons about resilience, adaptability, and betting on yourself.In this episode you'll learn:Why failure can become your greatest business advantageHow to start a business with limited capitalLessons from surviving the pandemic as a restaurant ownerThe realities of hiring and managing employeesHow DoorDash impacts small restaurant businessesWhy customer experience matters more than everAdvice every aspiring entrepreneur should hearListen now and discover how Shai Mauth truly beat the odds.

On this episode of Impact Theory with Tom Bilyeu, we dive into the complex and rapidly shifting dynamics of Japan's economy and why the entire world—especially investors—needs to pay close attention. Jeff Snider and guest Andre Jik unpack the unraveling of Japan's legendary economic resilience, explaining how decades of low interest rates created a global liquidity engine now threatening to go into reverse. The conversation explores the cascading impact of Japan's monetary moves, from the yen carry trade to the unprecedented pressures forcing Japanese wealth to return home. We break down the psychology driving economic decisions, the looming possibility of authoritarian interventions, and why changes in Japan's bond and currency markets could send shockwaves through everything from US Treasuries to your own retirement account. Whether you're a market watcher or just trying to understand how faraway headlines can hit your wallet, this episode builds a mental map for navigating one of the most important—and misunderstood—economic stories of our time.Quince: Free shipping and 365-day returns at https://quince.com/impactpodWhatnot: Download the Whatnot app today and get free shipping on your first order.ATT Business: Switch to AT&T Business at business.att.comEthos: Get a free quote at https://ethos.com/impactSurfshark: Go to https://surfshark.com/bilyeu or use code BILYEU at checkout to get 4 extra months of Surfshark!Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription orderIncogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact Pique: 20% off at https://piquelife.com/impactNetsuite: For the first time ever you can try NetSuite Next for free. If your revenues are at least in the seven figures, go to https://NetSuite.ai/Theory. Built for every industry. Ready for every boardroom.Sign up for my AI Masterclass: https://tombilyeu.com/ai-masterclass?utm_campaign=TBS-Livestream&utm_source=youtube&utm_medium=social Check us out wherever you get your podcasts:Spotify:https://open.spotify.com/show/1nARKz2vTIOb7gC9dusE4b?si=a8daffd2bf1f48fdApple: https://podcasts.apple.com/us/podcast/tom-bilyeus-impact-theory/id1191775648Do you need my help STARTING a business? Join me here inside ZERO TO FOUNDER: (https://tombilyeu.com/zero-to-founder)Get the exact systems, mindset shifts, and principles that built a $1B brand delivered straight to your inbox every week. Subscribe for free (https://tombilyeu.com)Check out our Video game - Project Kyzen: (https://projectkyzen.io/)Catch Me Streaming on Twitch - (https://twitch.tv/tombilyeu)Link to IT discord: https://discord.gg/TZKJ2etPbTTom's Favorite Things List: https://amzn.to/41Ftt7eFor Business inquiries: connect@impacttheory.comFOLLOW TOM:Instagram: https://www.instagram.com/tombilyeu/Twitter: https://twitter.com/tombilyeuYouTube: https://www.youtube.com/@TomBilyeuSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Rob Ward exited Quad Lock last year for half a billion dollars. He never took a cent of outside investment to build it, was profitable every single month from day one, and ran the business with a skeleton team for years while competitors burned cash chasing scale. His first product got ripped off. His second became the thing everybody with a phone mount on their bike, car, motorcycle, or desk knows by name. This is his third appearance on the Foundr Podcast across a decade, and the first since the exit. In this interview, Rob breaks down the three-gate model he now uses to diagnose why DTC brands break, why he deliberately pulled his own face out of Quad Lock's content years before selling, and the single biggest myth he says destroyed a generation of e-commerce companies. What you'll learn in this interview: • Why "scale will fix our unit economics" is the biggest myth in DTC - and what it actually does instead • The three-gate model: first-order profitability, cash-back time, and LTV ratio - and how to know which gate you're failing • Why he built an ecosystem instead of a hero product - and how $200 of mounts creates real lock-in • How hiring painfully slowly kept Quad Lock profitable every single month it existed • Why he deliberately stopped putting his face in the brand's content - and how that decision protected the half-billion exit • The gross margin number he'd insist on if he started again today • Why the customer with the higher AOV today isn't always the one worth acquiring • How they used retail to extend reach without breaking the DTC model • What the private equity deal actually changed - and why the money never even entered the business • The three separate emotional hits of exiting: the first sell-down, the full sale, and the last day If you're bootstrapping a DTC brand, trying to fix unit economics that don't quite work, or thinking about what makes a business actually sellable one day, this conversation will fundamentally change how you think about lock-in, margins, and building something bigger than yourself. SAVE 50% ON OMNISEND FOR 3 MONTHS Get 50% off your first 3 months of email and SMS marketing with Omnisend with the code FOUNDR50. Just head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://your.omnisend.com/foundr⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to get started. WANT TO GROW YOUR BRAND WITH META ADS? Join the Foundr Operators Waitlist → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://foundr.com/operators⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ HOW WE CAN HELP YOU SCALE YOUR BUSINESS FASTER Learn directly from 7, 8 & 9-figure founders inside Foundr+ Start your $1 trial → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.foundr.com/startdollartrial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ PREFER A CUSTOM ROADMAP AND 1-ON-1 COACHING? → Starting from scratch? Apply here → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://foundr.com/pages/coaching-start-application⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ → Already have a store? Apply here → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://foundr.com/pages/coaching-growth-application⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CONNECT WITH NATHAN CHAN Instagram → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/nathanchan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/nathanhchan/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CONNECT WITH ROB WARD Instagram → https://www.instagram.com/robyward/ LinkedIn → ⁠⁠https://www.linkedin.com/in/robwardau/ Website → https://www.quadlockcase.com FOLLOW FOUNDR FOR MORE BUSINESS GROWTH STRATEGIES YouTube → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/2uyvzdt⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.foundr.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/foundr/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/foundr⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.twitter.com/foundr⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/foundr/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Podcast → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.foundr.com/podcast⁠

What happens when you walk away from something you've spent nearly a decade building? For many entrepreneurs, starting over feels like failure. For Myra, it became the beginning of her biggest breakthrough. In this inspiring episode of the CEO Glow Show, Sheila Bella sits down with Myra, internationally recognized educator, founder of Guru Sugaring Academy, and creator of Swwon Summit, to discuss the courage it takes to rebuild after a major career pivot. After leaving the company she'd devoted nearly ten years to, Myra found herself questioning everything. But instead of letting disappointment define her, she leaned into her experience, trusted the community she'd built, and created something even greater—a global academy with educators around the world, a thriving education platform, and her own beauty conference. Together, Sheila and Myra talk about entrepreneurship, resilience, community, leadership, family, and why sometimes the greatest opportunities only appear after one door closes. If you've recently experienced a setback, career change, business failure, or unexpected pivot, this conversation is the reminder you need that your next chapter may become your greatest one. Sometimes starting over isn't the end of the story. It's where the real story begins.  

Eric Field of Big Door Home Buyers joins us to share how he has successfully built his real estate wholesaling business! Eric jumps right in by explaining how he got into wholesaling and how he scaled his business! He provides tactical advice on marketing, wholesaling overhead expenses, and estimating rehab costs. Eric shares wholesaling horror stories and his biggest lessons learned from underwriting mistakes. He closes with an outlook on fine tuning his business to further propel growth! If you enjoy today's episode, please leave us a review and share with someone who may also find value in this content! ============= Connect with Mark and Tom: StraightUpChicagoInvestor.com Email the Show: StraightUpChicagoInvestor@gmail.com Properties for Sale on the North Side?  We want to buy them. Email: StraightUpChicagoInvestor@gmail.com Have a vacancy? We can place your next tenant and give you back 30-40 hours of your time. Learn more: GCRealtyInc.com/tenant-placement Has Property Mgmt become an opportunity cost for you? Let us lower your risk and give you your time back to grow. Learn more: GCRealtyinc.com ============= Guest: Eric Field, Big Door Home Buyers Link: SUCI Ep 356 - Frank Montro Link: SUCI Ep 253 - Jeff Nydegger (Kendall Partners) Link: Never Split the Difference (Book Recommendation) Guest Questions:  02:05 Housing Provider Tip - Do not skip final walkthroughs and do them on closing day! 03:37 Intro to our guest, Eric Field! 12:33 Starting a wholesaling business. 22:03 Effective marketing strategies. 30:45 Overhead expenses for wholesaling. 34:13 Crazy wholesaling stories! 41:39 Eric's biggest underwriting mistakes. 51:26 Tips for estimating construction costs. 54:16 Business outlook for Big Door Home Buyers. 55:28 What is your competitive advantage? 55:45 One piece of advice for new investors. 56:10 What do you do for fun? 56:24 Good book, podcast, or self development activity that you would recommend?  56:50 Local Network Recommendation?  56:26 How can the listeners learn more about you and provide value to you? ----------------- Production House: Flint Stone Media Copyright of Straight Up Chicago Investor 2026.

Travis Chappell joins David Guttman for a deeply personal conversation about growing up in a highly restrictive religious environment, finding the courage to question long-held beliefs, and ultimately forging his own path. Travis shares how leaving behind the only life he'd ever known led him into sales, entrepreneurship, and podcasting—and why independent thinking has been one of the greatest drivers of his personal and financial success. On this episode we talk about: Growing up in a fundamentalist religious community and overcoming groupthink The difficult decision to leave a predetermined career path in ministry How door-to-door sales became the unexpected gateway to entrepreneurship Rebuilding relationships and creating a powerful network from scratch Why questioning assumptions and thinking independently leads to greater freedom and opportunity Top 3 Takeaways The most important decisions in life should come from your own values—not from expectations placed on you by family, institutions, or society. Personal growth often begins by asking difficult questions and being willing to challenge beliefs you've always accepted as truth. Your network, skills, and career can all be rebuilt. Starting over is difficult, but it also creates opportunities to build a life that's authentically yours. Notable Quotes "I am the only person who has to wake up with me every single day." "Accept truth wherever you find it. Truth is never afraid of questioning." "Release yourself from the path other people chose for you and start asking, 'What do I actually want?'" Connect with Travis Chappell: LinkedIn: https://www.linkedin.com/in/travischappell/ Instagram: https://www.instagram.com/travischappell/ Other: https://travischappell.com/ A Word from Our Sponsors: - Visit DrinkAG1.com/TMM to get a free AG1 Travel Case with 7 free AG1Travel Packs in your Welcome Kit with your first AG1 subscription order while supplies last.  - Go to Leesa.com for 25% OFF select mattresses (through August 23, 2026) PLUS get an extra $50 off with promo code TMM, exclusive for my listeners  - To learn more about Mode Mobile and its investor community, go to https://invest.modemobile.com/travismakesmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Starting over is one of life's most challenging experiences. Whether it follows the end of a relationship, divorce, job loss, rejection, grief, or another major life transition, it can leave people feeling lost, uncertain, and overwhelmed. In this episode of 10 Minutes to Less Suffering, listeners are invited to see these moments from a different perspective. This inspiring conversation explores how emptiness is not the end of the story. It is the space where healing begins and new possibilities can emerge. This episode is for anyone rebuilding after a breakup or divorce, coping with grief or loss, facing a career change, recovering from rejection, feeling stuck, or searching for greater peace during times of uncertainty. It will also resonate with anyone who wants to develop emotional resilience, embrace change with more confidence, and create a life filled with greater hope and possibility. If you are standing at the beginning of a new chapter and wondering how to move forward, this episode offers hope, perspective, and practical tools to help you trust the journey.  Topics: starting over, life transitions, healing after loss, grief, divorce recovery, relationship healing, career change, emotional resilience, uncertainty, fear, anxiety, personal growth, mindfulness, self improvement, new beginnings, finding purpose, embracing change, Maybe Practice Lastly, you can also follow me on Instagram, Facebook, TikTok, Twitter, and LinkedIn. If you are interested in my work, please check out my books, The Gift of Maybe: Finding Hope and Possibility in Uncertain Times (including a new audiobook), A Year Without Men: A 12 Point Guide To Inspire and Empower Women and my new Audiobook,  Maybe Everything Is Okay, A Parent's Guide To Less Stress and Worry. Also you can check out my new Maybe Cards: A Path to Stress-Free Living or my new digital Maybe Journal. Above all, my heartfelt hope is that this podcast has supported your journey of personal growth, helped shift your mindset, reduce stress, built emotional resilience, and brought you less suffering and more joy, clarity, and peace.      

With Josh Tomolak, Vice President of Independent Advisor Services, Diamond Consultants Louis Diamond and Josh Tomolak unpack today's IBD vs. RIA landscape, explaining what has changed, where each model excels, and how to determine which path best supports the business you want to build. In Summary The independent wealth management landscape has changed dramatically, making the decision between an independent broker dealer (IBD) and an RIA more nuanced than ever before. Louis Diamond welcomes Diamond Consultants' Vice President of Independent Advisor Services, Josh Tomolak, for a practical discussion of how the independent space has evolved, what truly differentiates the IBD and RIA models today, and how advisors can evaluate which path best aligns with the business they want to build. The Storyline Not long ago, the decision to become independent was relatively straightforward. Advisors either remained with a traditional firm or pursued independence through one of a limited number of models. Today, the conversation is far more complex. Independent broker dealers have significantly expanded their capabilities, offering stronger technology, larger transition packages, greater flexibility, and even pathways to RIA ownership. At the same time, the RIA ecosystem has matured into a sophisticated marketplace supported by multiple custodians, outsourced service providers, institutional capital, and enterprise platforms that rival many of the industry's largest firms. As these developments have unfolded, the traditional distinctions between an IBD and an RIA have become less obvious. Advisors evaluating their options are no longer simply asking whether they should become independent—they're asking which model best supports the clients they serve, the business they envision, and the lifestyle they want to create. In this Industry Update, Louis and Josh unpack the realities behind the IBD vs. RIA decision. They discuss where the two models overlap, where meaningful differences still exist, and why factors like service, technology, economics, operational responsibility, enterprise value, and long-term optionality often matter more than labels alone. Whether you're considering changing independent firms, launching your own RIA, or simply want a better understanding of how the independent landscape has evolved, this conversation provides an objective framework for evaluating today's choices—and preparing for tomorrow's opportunities. Topics Covered Independent Broker Dealer (IBD) vs. RIA models The evolution of supportive independence Technology investments across the independent space Transition support and advisor mobility Capital solutions and recruiting economics Business formation and enterprise value Launching an independent RIA Multi-custodial platforms and open architecture Minority investments and succession planning Future trends shaping advisor independence > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why are already-independent advisors reconsidering their current model? (5:27) Josh explains why service, technology, economics, and growing optionality are causing advisors to reevaluate their existing affiliations. How have independent broker dealers and RIAs become more alike? (19:28) Louis and Josh discuss the growing convergence between the two models and why the distinction is becoming less obvious than many advisors assume. What really separates an IBD from an RIA? (25:04) A practical discussion of autonomy, compliance, flexibility, custody, economics, and advisor experience. What misconceptions keep advisors from launching an RIA? (36:29) Josh outlines the “Four Pillars” of launching an RIA and explains where advisors tend to either overestimate or underestimate the operational realities. Which advisors thrive most in each model? (33:12) The conversation explores why there isn't a universally “better” model—only one that's better aligned with an advisor's goals. What trends are quietly reshaping independence? (42:13) Minority investments, enterprise value, business formation, and changing revenue models may have an even greater impact than advisors realize today. Key Takeaways Independence has evolved from a destination into an ongoing strategic decision. Independent broker dealers have significantly improved technology, transition support, economics, and flexibility. The RIA ecosystem has matured into a highly sophisticated marketplace with broad outsourcing and support options. Choosing between an IBD and an RIA should begin with long-term business objectives—not industry perceptions. Building a valuable business depends more on business structure and scalability than simply growing assets. Advisors considering independence should evaluate models with an open mind rather than relying on outdated assumptions. The next decade will likely bring continued convergence between independent business models. https://youtu.be/jHDVso2TsmQ Quotable Moments “The question is no longer, ‘Do I want to go independent?' The question is, ‘What kind of independence makes the most sense for my clients, business, and goals?'” “Business formation is far more important than assets under management.” “The way you build your business will ultimately determine how valuable that business becomes.” “Everything in an RIA is going to cost you either your time or your money.” FAQs Is there still a meaningful difference between an IBD and an RIA? Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Why are more independent advisors changing firms today? Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Is launching an RIA easier than it used to be? Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. Does every entrepreneurial advisor belong in the RIA model? No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. What matters more: assets under management or how the business is built? Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. What's the biggest mistake advisors make when evaluating independence? Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Related Resources IBD vs. RIA Comparison Guide IBD vs. RIA Revisited: Two Independent Pathways for Advisors to Consider NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and goals?” Josh shares what he’s seeing across the landscape, the misconceptions that continue to shape advisor thinking and the factors that matter most when evaluating the next chapter of an independent business. There’s a lot to discuss, so let’s get to it. Josh, thanks for joining me today. Joshua Tomolak: Thanks for having me, Louis. It’s a real privilege to have come. This is a full circle moment for me going from being a student of your podcast, to working alongside you, to being a guest. So I appreciate you having me. Louis Diamond: Amazing. I’m excited for this one too, because you have a fresh and in the weeds perspective that a lot of our guests simply don’t have. So why don’t you start off, you spend your time helping advisors evaluate independence every day. So working with advisors who are already independent, for the most part. And to me, it feels like the independent space has really evolved dramatically over the last decade. I mean, this podcast is really the epicenter of that to prove that out, but give us a little background on your past roles in the space and then we can get into what you’re seeing right now. Joshua Tomolak: Yeah, I’d be happy to. So I took a very non-traditional path into wealth management. I spent a decade as a deep sea Navy diver, and upon completing my service there, I ended up working for TD Ameritrade. And in my role there, I spent about six years doing nothing but helping financial advisors explore the RIA space, whether that was to join or partner with an RIA, sell to an RIA, or in most cases, launch their own RIA. And one of the things that I ultimately came to terms with is it’s just not the right model for everybody. While I’m a huge advocate for it, we would often lose business to the major broker-dealers of the world. And at the time, I really didn’t understand why. In the last six years at Diamond Consultants has been a very interesting purview into what a lot of the broker-dealers have done and are doing to make themselves more RIA-ish and be very compelling to the right advisor. Louis Diamond: Perfect framing. Your background is incredibly germane to the folks you work with. So let’s start off with the softball here. What are you seeing right now? Joshua Tomolak: It’s not so different than the rest of the industry, the wirehouses, the regional firms, things of that nature, that if you took 10 firms, they’re all likely to go different directions, even if they were identical practices. That could be… A third would go from an independent broker-dealer to another independent broker-dealer. Certainly the supported RIA space is growing every day and has created a lot of very fun and unique solutions for advisors, very customized and curated. And then I think there’s still a lot of really great sophisticated teams and individual contributors that are making the decision to go hyper entrepreneurial and launch their own individual RIA. So the movement’s really all over the board from my perspective. Louis Diamond: It does feel like it’s no longer independence is an alternative option or it’s on the fringes. It’s very front and center whether for breakaways, which is a big topic on our podcast, but in general, the infrastructure has become much, much more sophisticated today than ever before. Advisors have way more tools in their toolbox to serve clients, whether in the private markets or through technology. And it’s no longer that if an advisor’s independent, they’re in the minor leagues where they don’t have the same ability to serve clients like they did if they’re at a big bank or a private bank or a wirehouse. Do you agree? Joshua Tomolak: I absolutely agree. And I’m reminded of a question I got one time from a great team that I worked with in New York. They asked me, “Are there really more options than ever before? Because all we see is one firm selling to another.” And I think that’s a really great point. There’s far less broker dealers on the street than there were even five years ago. But for every Commonwealth, for example, that sells to an LPL, up pops three or four really cool private equity-backed, sophisticated RIA platform firms that are built to service their own unique advisor base. Louis Diamond: I think that’s right. Sitting on the sidelines, sitting on top of everything going on in the industry, I feel like capital is always an interesting topic forever. If an advisor wanted to move within the independent world or break away from a big firm to go independent, the only way to get capital was to go to an independent broker dealer. So we still see that, but I feel like today between all these minority acquisition opportunities, we’re seeing firms acquire practices at time of transition, which is somewhat new. There’s debt solutions, recruiting deals are way up for firms that are paying forgivable loans. RIAs now would, in some cases, will pay a forgivable note. What are you seeing there as far as the availability of capital and just deals in general? Joshua Tomolak: It’s a great question and I didn’t want to take the low-hanging fruit, but capital’s been a huge innovation, I guess, in the last five years I’d say. Just to give you rough quotes, please don’t hold me to it, but traditional transition broker-dealer deals were five years ago, 40 to 60% of Trailing Twelve revenue today are somewhere between 90 and 120%, sometimes north of that for the right team. That’s really meaningful money for the team that is thinking about foregoing a wirehouse deal, for example. I’d also say a lot of these firms are getting hyper-creative in how they solve for capital. The minority investment piece that you mentioned is very interesting. We’re seeing a lot of privatized forgivable notes in the RIA space where third-party or private lenders are basically lending the money and the RIA is making the payments on that forgivable note as long as the advisor is affiliated with them. So there’s been a recognition among the RIA space to get away from the, “Oh, they just took a check” type of mantra, and to say, “Look, I understand there are capital needs. These people are taking a risk. We need to solve for that.” So we’ve seen a lot of that in the marketplace. Louis Diamond: Very interesting. I think another thing financially, and then we’ll keep the train moving, that I know I’ve seen, and maybe you can weigh in if you’ve seen the same, is the cost to an advisor or a business owner to join an independent BD or to join an RIA has come way down, probably in part because of Schwab going to zero on trading. That’s been a catalyst. But it feels like we used to say independent BDs were expensive relative to the RIA world. And in some cases, they certainly could be. And if you’re at scale, maybe you can pick up a point or two being in the RIA world versus a BD. But when you have some of these BDs that have a basis point admin fee or no admin fee at a certain size and the payouts I feel like are similar, maybe have gone up a little bit, but it’s more so like the administrator fees, the platform fees, the program fees. Anyone who’s not in that world, it’s like, “What are you talking about?” But basically the way that these broker-dealers make money, it seems like there’s been a pretty big differential in the exchange of value where advisors now get more services, better technology, get more money to join them and get it at a lower cost. Do you agree? Joshua Tomolak: I absolutely agree. I think that maybe that’s one of the larger changes that we’ve seen, and it’s probably one of the benefits from a lot of the industry consolidation on that independent broker-dealer side. The economies of scale of these folks have allowed them to increase their tech spend, increase their service capacities all while offering it to the advisors at a cheaper price. And when I was at TD Ameritrade, one of the biggest pitches was the idea of a 100% payout and you control the fixed expenses, your technology compliance, et cetera. But what’s changed is that broker-dealers are pretty darn comparable on the expenses. All of those admin fees and things you mentioned will still exist, but they’re on a much smaller scale. And I think the question a lot of advisors are asking is, “Am I getting congruent value from my broker-dealer for what I pay for?” And while that answer might’ve been no a couple years ago, today the answer is more often yes. Louis Diamond: Yeah, I would agree. A lot of times we work with advisors who are starting an RIA or affiliating with an RIA or going to a BD and they see how big the deals are in the independent BD world and the payouts are really high and the fees are relatively low. And honestly, it is a hard decision or calculus to make, like, “How does it make sense for me to turn down this extremely lucrative deal when my ongoing economics are going to be somewhat similar in the BD world versus in the RIA space?” I think it’s just an interesting dynamic and we’ll get more into that distinction. One of the stars of the show right here is we’ve seen a ton of advisor movement across the industry. Our annual advisor transition report said that in 2025, over 11,000 experienced advisors changed firms, which is a large number. A lot of those numbers are within the independent world. So advisors who are 1099 through a BD or through an RIA transitioning to another platform or organization or starting an RIA. So why do you think we’re seeing so many advisors reconsider their current firm or their platform or their broker-dealer today than in years past? Joshua Tomolak: It’s a jarring number. 11,000 is definitely a significant amount of advisor movements. To me, it comes down to a few things, but I will say that it’s almost always a conglomeration of pushes and pulls. Pushes being inherent frustrations with your status quo, pulls being the new sexy, shiny things that you see in the marketplace that could be really impactful for your business. To me, it typically comes down to one of three things, at least on the push front, that drives advisors to movement. Service being number one, technology being number two, and economics being number three. And if we were just going to unpack those, I think service being, “Can you call somebody that knows your business, that knows your name? Are you getting the correct answers? Are you being pushed through a phone tree? And even if you’re not doing it, is it taking up a meaningful amount of time of your staff’s free time?” On the technology front, there’s very significant tech spends happening in the industry right now. I think Raymond James and LPL reported, for example, they spent 500 million in 2025 on a tech spend. So advisors are going to the places that are making their life easier. People are looking for a mechanism to really scale their business without having to add staff and a lot of expenses to the bottom line. And technology is just the fastest, most efficient way to do that most times. And then economics, certainly a lot of advisors and teams have built phenomenal businesses and they’ve made a great living without really stressing out about the economics. And they eventually get to a point in their business where what they were giving up as a million dollar producer is far different than what they’re giving up as a $4 million producer. And back to the congruent value, it perhaps stops to make as much sense. Louis Diamond: Well said. I always say when the cost-to-value ratio is out of whack, that’s when advisors sit up and take notice. And not to name names of firms, but there definitely are firms that are more expensive. And even if you look at how much a wirehouse or a Ed Jones advisor paid their firm, it’s like, “What got me here is not necessarily what’s going to get me there.” And while the name on the business card, the resources were incredibly impactful, and I’m so grateful for what my firm, my broker-dealer did for me when I was just starting or when I was smaller. Now the business is bigger, I rely upon different resources or I don’t need the firm as much. So I’d rather plow the cost savings either into income for myself or invest it in areas that are most germane to my business. And it’s usually when that kind of light bulb moment goes off, that’s one of the major pushes that cause advisors to evaluate other options. So I agree with you, those are the major push factors, but then what are the pull factors? What are the major advancements or changes across the independent space that’s causing advisors to say, “Hey, okay, I might have some frustrations, but at the same time, I also need to find something that’s more than marginally better than the firm I’m at. Otherwise, why am I going to go through the hassle, take the risk, et cetera? So what are some of the pull factors that advisors are latching onto today? Joshua Tomolak: Sure. And I might say with one final push factor, there’s a straw that breaks the proverbial camel’s back when you’ve been told for however many years that this change or that change is coming down the pipeline and it never happens. And it translates well into the pull factors is do they do what they say they’re going to do? The talking points really for the pull factors are exactly the same. So the counterpoint to service is perhaps having a direct relationship with the chief compliance officer at a firm or having a dedicated service representative that knows their stuff inside and out and can get you the answer even if they don’t know it off the top of their head. Having the technology to rebalance a household in two clicks instead of two hours. In economics, I think it’s really a transparency of economics. We’ve both worked with some really significant firms that have looked at their P&Ls and said, “where the heck is the money going?” And we’ve looked at the same P&Ls and said, “I have no idea,” because it’s so convoluted. People are happy to pay for good service, good technology, good products, but they just want to know where the money’s coming from. So I think it’s a yin and yang. The same things that they’re the push are often the pull. Louis Diamond: Definitely. I’ll give you a couple other from my perspective. I’ll say first specific to the independent BD world, and then we’ll dive into the RIA, I think it’s a little bit different. But I think some other will say innovations or changes that are causing advisors to really perk up and listen and really make the case to themselves that life will be better at this new organization than the status quo or staying put. We’ve seen major advancements in transition support, whether it’s being able to do a transition without a shred of paper, being able to… I mean, we’ve seen some independent advisors move their entire book within two weeks, which never would’ve happened before. So the firms that I’d say are playing offense, the larger firms that are winning, they have insane headcount around transitions and are always investing in technology, whether now on the AI front or in general. And we’ve seen transitions, they’re never easy. So that’s not a comment to say it’s easy, but a lot of the friction, a lot of the manual work has been taken away, which is massive. You definitely mentioned the significant technology spend. I mean, just the innovations going on across the industry. There’s definitely some firms that are laggards on technology and others that are light years ahead, whether because their tech is more integrated or they’ve built out their platform to be more, we’ll say modular, to plug in different third-party softwares where an advisor can really customize and create their own tech stack. I think there’s been some changes on compliance. It used to be if you’re at an independent BD, you had to be the OSJ by yourself or you had to roll up under an OSJ. But now most BDs offer home office supervision, so a big friction or pain point is taken away. And then I’ll give you a bridge to talk about what we’re seeing on the RIA side. But we’ve also seen, I would say, a real blurring of the lines between what you would traditionally think of as an independent broker dealer versus what was an RIA. So whether it’s an internal pathway where it’s like, “Start off on our independent BD platform, get the big deal, get the support, but then you can ditch that and just use this as a custodian or you can sell the business to us when you want to retire and convert to W2.” So in that vein, transitioning internally to an RIA, give me the same points like, “What are the major advancements or changes you’re seeing on the RIA side today?” Joshua Tomolak: I love that you said that because it’s been one of the most interesting changes to watch. Independent broker dealers becoming more like RIAs, and to your point, being more flexible, having more optionality, a more curated experience in some cases. And in many cases becoming closer to independent broker dealers with some of these massive shops that we’ve seen be created over the last five years that now have hundreds, if not thousands of advisors. To your question on the internal RIA slide as we sometimes call it, this really didn’t exist many places a few years ago. And I think it’s been created as both originally a retention tool in many places for the advisors that were with a major independent broker dealer and they ultimately wanted to have their own ADV and their own RIA. And the firm didn’t want to lose all the assets to an independent custodian so they gave them the green light to… And it’s ultimately became a sales tool in many cases. Just to use a couple of examples across the industry, I mean, Raymond James has Raymond James Custody Services, which has attracted a lot of really sophisticated teams. I know Wells Fargo Finance done something similar and even the counterparts over at Cetera and Osaic are trying to do the same thing. So it’s a recognition in my view that we want to keep the best talent possible. And if these folks are ultimately going to go RIA anyway, it’s less about the money and more about the flexibility and control that it offers them. So what can we do to keep those folks on board? And rightfully so, a lot of senior management of these firms have said, “Let’s not lose these teams. It’s going to be a lower margin business for us, but at the rate that they’re growing, it’s going to pay off in the long run.” Louis Diamond: Well said. RIAs are now more mainstream. And some of these RIAs, they’re either resembling independent BDs or I would even go so far to say the valuations that are even publicly available on some RIAs is definitely having people take notice. I mean, Cerity Partners recently raised capital at an over $8 billion reported valuation. Crescent was well over a billion. Firms like Mariner, Creative Planning, Mercer, Wealth Enhancement Group, and there’s many that I’m missing, are all worth a couple billion dollars or more and growing. Do you think that’s had an impact on the legitimacy or the staying power of the RIA model? Joshua Tomolak: Oh, absolutely. There’s no doubt about it. I mean, those groups that you mentioned and many more are winning some of the biggest teams on the street. I mean, if you pull up a run-of-the-mill advisor hub article, for example, you’ll see as many of those RIAs win significant businesses as you will their broker-dealer counterparts, partially in my opinion, due to the massive valuations these firms are fetching. And it’s much more of a partnership in the sense that joining a Crescent or a Wealth Enhancement Group, as you mentioned, you’re a part of a boutique group of maybe a couple of hundred very sophisticated high-producing advisors all playing under the same banner, all rowing in the same direction, and that creates substantial growth. Louis Diamond: Exactly right. I think two other things to me that’s driving the legitimacy or the growth of the RIA segment, there’s so many different outsourcing solutions that have popped up, whether it’s more of a… We’ll say a bundled or a package outsourcing solution through firms like Dynasty and Sanctuary. LPL has done a ton with having a shared services outsourcing model. So you have those. But you also have, I mean, probably 10 different firms I could think of that can be an outsourced chief compliance officer. You have tons of marketing agencies that specialize in helping RIAs. You have all these FinTechs popping up to support the RIA space. Really, it’s like anything and everything can be outsourced now. And even the big Wall Street banks like UBS, Merrill, et cetera, they’re attempting to sell and distribute product into the RIA space. Venture funds, private equity funds, anyone you talk to is trying to get a piece of the RIA space, which means there’s more product and platform availability than ever before. And I think it’s massive because one, it’s a catalyst for teams who say, “I love everything about the RIA world. I just don’t want to do it on my own,” or, “I don’t know where to start.” But also it means that they can look their clients in the eye and say, “Hey, not only do I have the same stuff that I had for you at XYZ firm, I can actually do more for you.” And even if you look at what the custodians are doing on the lending side now, Schwab owning a bank is massive and being able to facilitate mortgages, securities-backed loans, things that didn’t really exist in the past. I think it’s a very exciting time for advisors either that are independent or are considering the independent space because you have all these choices and it’s really like, “Choose your own adventure. Give me your top five things you want.” I’m sure it exists and we can find it and make it happen. And I don’t think we’d have the same confidence in that statement 5, 7, 10 years ago. Joshua Tomolak: I couldn’t agree more. That’s such a huge development is the marketplace of third party vendors in any kind of capitalism environment. There’s problems that people encounter and there’s really smart people that are trying to make a lot of money that go to market to solve them. And we’ve seen a ton of that over the last few years. Louis Diamond: Exactly right. Yeah, it’s like also… If an advisor looks around and says, “Hey, this is what I want,” and it doesn’t exist, oftentimes that’s a light bulb moment to be like, “Okay, I’ll go build it. I’ll do it on my own.” Whether it was Stewart Partners when they launched a number of years ago or Hightower, Dynasty, et cetera. They were all started by people that said, “Hey, I see a big gap in the ecosystem. Let’s create a business and raise capital to go solve it and then deliver this service to other like-minded advisors or business owners.” Honestly, it’s a treat to be able to watch all this happen in real time. We probably should have laid the groundwork with this next question, but I think it’s an important one. What’s the difference between a independent broker-dealer and an RIA? Really basic foundational. It sounds like the lines are blurred. There’s probably a lot of similarities. Advisors are successful in both. It’s not like one’s better than the other. How would you explain the differences, if a client of ours asked, “What’s the difference between an independent broker-dealer and IBD versus an RIA”? Joshua Tomolak: Get into the core of it. Again, the lines are blurred, and I’ll stay very high level on the strategic differences, but I like to use this example. I drive a Toyota Tundra. Really like the truck, gets me from A to B. Now, if I were getting to a point where I wanted a new vehicle, if I were to go get another Toyota Tundra because I really like a lot of aspects of it, but I want the one with the bigger screen and the bigger tires and the power seats, and I have rolled down windows because I have a fear of drowning. But if I want a lot of the bells and whistles, but I want to keep the foundation, that’s what I align to a independent broker-dealer to independent broker-dealer. You like the foundation of everything all under one roof. You like a lot of the resources, but you have some meaningful frustrations and you want to see if another provider in the market can solve for those or you can upgrade. If I instead, Louis, decided that I wanted a sports car or a Jeep Wrangler or something, I would be looking at a different category altogether. That’s how I articulate the platform space. They provide the same services and support in many cases that an independent broker-dealer does, think of marketing and a tech stack and regulatory oversight and a fellowship in a community, but they’re built on an RIA TC registered chassis. They’re typically far more customized so you can shop the street to get a lot more of the things that you like, though you are walking away from maybe some of the things that you’ve liked in the independent broker-dealer model. So I guess that’s the highest level I might explain it, just a little bit more minutia in any broker-dealer is going to be a FINRA registered, FINRA member broker-dealer. So they’re subject to the FINRA rules, which basically means it’s the compliance interpretation of those rules that they have to follow. So LPL’s rules may be slightly different than Cetera’s than Ameriprise’s because it’s based on their interpretations of the rules. In the RIA space, everybody really operates on the fiduciary standard. So it’s just a different lens that from a compliance standpoint, business is looked at. And a lot of people would make the argument that it’s just easier to get things done when you’re looking at something from that lens. I might’ve gone too compliance nerd on you there, but I’d be curious what you think some of the major differences are. Louis Diamond: Yeah, I think that’s right. I mean, it sounds like if you’re in the RIA world in some capacity that you as the advisor or business owner are going to have a little bit more control and autonomy and flexibility. One, do you think that’s true? And what are the reasons why that is? Is it platform? Is it strictly just compliance is easier? What are the different ways that an RIA would have more or less flexibility than someone who’s with an independent BD? Joshua Tomolak: Yeah, I think it’s overwhelmingly true, but it certainly depends on your business. Within most RIA platforms, you’re going to be one of a couple dozen, maybe a couple hundred, where you’re going to have people within that firm that really know your business. So the experience in getting things done is much less about, “Can I do this,” or, “Can I not do this?” And it’s, “Louis, I understand you asked for this. We’re going to run into these issues, but let’s figure out how to get to yes.” So it’s far more curated by people that are not operating on black and white rules and can actually figure out how to get to yes for your business. The other thing I would say is that most significant RIA platforms have multiple custodial options. So many times you’ll see as few as two or as many as five. So if an advisor or a team is trying to bring on a new piece of business or do something creative, that might be something they can use a different custodial relationship to accomplish. It might be something that Goldman Sachs does really well but is in its infancy at Fidelity, or it might be international business that’s approved on Pershing’s platform but not Schwab’s platform. So the RIA partner that you’re with can really look at those custodians agnostically and say, “What’s the best home for this business? What’s the best way to get this done for Louis?” There’s a couple examples of where I see the flexibility in practice. Louis Diamond: Yeah, I think one more too would be the concept of being able to shop the street. I’ve heard it described as becoming a buy-side advocate for your clients versus being a professional seller. So meaning, if I’m affiliated with an RIA or I’m operating my own RIA, there’s no selling away like there is at a wirehouse or at certain BDs. So if I have a client who’s trying to get a $10 million loan for a new building that they’re breaking ground on, if I’m at UBS, Merrill, Morgan Stanley, captive to a BD, I can go to my firm and say, “Hey, this $10 million loan, here it is. What are the terms? What are the rates? Will you take on this business?” And the firm will say, “Yes. No. Yes, here are the terms. Here’s the caveats, et cetera.” But it’s a very closed market process and an advisor has to live and die by what their firm says. Versus in the RIA world, it’s, “Okay, I have relationships with nine different banks and I can go to these different banks and private credit funds and whoever and really create either an option process for my client or really just help them in a fully agnostic open way.” And we see the same thing when it comes to alternative investments. No one at a wirehouse, let’s say, is complaining that they don’t have enough alts that they can offer clients. Those firms have done an amazing job with really boiling the ocean and having tons and tons of options for private investments, hedge funds, et cetera. But if you’re in the RIA world, you can take it to the next level and say, “Hey, this $3 million startup company that my friend is starting, I’m going to help them raise capital,” or, “My client wants to get a syndicate of investors together to have a direct investment into a qualified opportunity zone fund that they’re starting. Let’s do it when we can advise on it.” So it really expands what an advisor is able to do on behalf of clients. Like to me, that’s the most interesting or exciting part of the RIA model. You can get some of that within the BD world, but to me, when an advisor’s business becomes more sophisticated as far as what their end client’s needs are, it tends to translate better to the RIA world than the BD world. Not to say there aren’t ultra-high net worth focused advisors at BDs, but because of that additional flexibility, autonomy, customization, et cetera, that speaks more RIA. So again, absolutely not down at all on the independent BDs because I think there’s a massive home for them. Josh, let me turn it back to you. I’m rambling now. Give me the pitch for an independent BD. What are the things that are misperceptions that people have? What are the advantages that an independent broker dealer like an LPL or a RayJ or a Cetera have over RIAs or over other models in general? Joshua Tomolak: Absolutely. And I’d say I’ve learned more over the last six years from some of your ramblings than most people learn in an MBA course, so keep doing what you’re doing. But it’s funny being in this position now, having spent so much time sort of selling against the IBD model within TD Ameritrade, but what I’ve learned is it’s a good home for everybody. And a lot of times the advisors that they’re entrepreneurial enough where they like having their name on the door, but they’re not so entrepreneurial where they want to build everything out themselves, that’s where the independent broker dealers absolutely kill it. Their economics have gotten to a point where they’re really competitive. They offer transition capital that isn’t even going to be comparable in the RIA space unless you’re selling a minority share of your business. And you mentioned LPL, or we could really list all of the major ones, there’s not a department that they don’t have. It could be as nuance as finding 403(b) payroll slots or it could be as mainstream as fixed income or setting up events. There are all kinds of really neat departments that these all under one roof independent broker dealers have invested in. And a lot of times they make an effort to make you very much aware of all of the support because most people don’t use it. So I would say for the advisors that are looking to get their improved Toyota Tundra, then you can get probably 70 or 80% of what you want within the independent broker-dealer world. And you can also keep 20 or 30% of the stuff, maybe more that you really liked at your previous firm. So I think that’s where it really shines. I sometimes call it an incremental change rather than a transformational change. But for many advisors, incremental is really good enough if you get to keep the familiarity of how you’ve been doing business for the last 20-some years, but you’re able to get net improvement on the things that were really bothering you. Louis Diamond: Well said. Something that I’ve seen that’s been… I guess this could be either pro or con depending upon the advisor, but with some broker dealers, letting an advisor co-brand with them or really having a real consumer-facing brand, whether it’s, “I’m a franchise owner with Ameriprise,” or, “I’m independent through Raymond James,” or, “Running my own practice through Wells Fargo FiNet,” or, “I’m independent with Northwestern Mutual.” There’s definitely some brand cache or brand familiarity with some of those firms that may or may not be the same if you’re in the RIA world. So I would agree there’s a lot to like about the independent BD world and there’s a fit for people that is absolutely better with independent BDs than on the RIA side. Even if some people would say RIA is better, we’re cleaner, I wouldn’t say that. To me, it’s all about what an advisor’s goals are and then matching that up with what these firms do. And there’s never a perfect option. I jokingly say, “If there was a perfect firm, we wouldn’t be in business.” Every firm has their advantages or disadvantages. And depending upon where an advisor’s coming from, their style of business, their pain points, that’ll match up really well with on firm or one type of firm or one model than the other. Let’s pivot a little bit to the RIA world. A lot of your comments have been more about advisors affiliating or joining RIAs, this whole supportive version of independence concept. But what about advisors who want to go and start their own RIA? Either they’re leaving a captive firm and taking the entrepreneurial route and starting their own firm, or they’re leaving an independent BD to go start their own RIA. What do you see as some of the biggest misconceptions that advisors have about that move? Joshua Tomolak: That’s probably my favorite topic because there are the most misconceptions I think in this space. Louis Diamond: I’d agree. Joshua Tomolak: And I would say there’s 9 out of 10 conversations that I have with advisors and teams, they start off with the launching an RIA in mind or at least RIA curious and they want to understand what’s out there. And probably less than half the time do these folks end up actually launching their own RIA, which is okay because the ones that do are massively successful and they know they’re dang sure that’s exactly what they want to do. I think it gets a little bit romanticized sometimes that they’ll say, “Oh, I’ll just give Schwab a call,” or, “I’ll just give the custodian a call,” as if they were shopping independent broker dealers. That’s fine. You can do that and they will help you, but there’s quite a bit more to think about. And it’s not, in my opinion, the same as evaluating independent broker dealers. If it’s all right, I was taught the four pillars of the RIA model. I can go through that with you really quickly. So the way to think about the RIA space is in four pieces. And shout out to a friend, Eli Suarez, that taught me this years ago. The first pillar… Thinking of four pillars on a bar stool, if you will. The first one being administration. And this is your compliance, this is setting up your ADV, your LLC, all of your business formation documents. The second piece being technology, what do you actually want to use? Because the benefits of the broker-dealer world and the supported independent world is they’ve already built it for you. They’ve already paid for it and scraped their knees building it. In this case, you have to. And for some people, that’s really exciting to source financial planning software and portfolio management software and your CRM and tax software, et cetera. For some people, it just sounds like a huge headache. The third pillar being custodians. I have them third because you want to make sure that the right custodian can integrate properly with the technology that you’ve sourced that you’re passionate about. And then ultimately transition. What does a transition really look like? What are my legal and regulatory requirements? How does this work? What are the timelines? Things of that nature. So I guess I would say in closing that if those four things are things that you really want to own, then you’re in a really good position to consider an RIA launch. What do you think, Louis? Louis Diamond: I think that’s a great framework to break it down. Not just be like, “Okay, I can tolerate that,” or, “My team can do it,” but I think you have to be pretty excited about rolling up your sleeves and customizing and doing it yourself because in our experience, there’s a nominal differential between the economics of running your own RIA versus affiliating with an RIA or going to an independent BD. All the extra work and responsibility, you’re not really going to make it up, at least on the front end, on a higher net payout. So it has to be more about what the model means to you and having a vision that you don’t think anyone else can accomplish other than yourself. And looking at that crazy ever-expanding Michael Kitces’ FinTech map and there’s 500 different logos on it and being like, “Yes, that’s what I want. I want to go through this. I want to pick the seven pieces of my tech stack that work for me,” rather than getting, “Here’s the tech stack, take a demo, you like it, you don’t like it, take it or leave it.” To me, the two biggest misconceptions people have about the RIA world is one, “I’m going to have to be a full-time chief compliance officer,” and just that compliance is this boogeyman, this terrible, scary thing. In some ways it is. But the reality is most, especially startup RIAs will fully outsource compliance to a firm or they’ll hire a compliance consultant or firms that are big enough even will hire a CCO or repurpose someone on their team to be CCO. But compliance is much more streamlined and simpler than BD compliance. And ultimately, it’s compliance that’s being built for your business rather than compliance that’s being built for a publicly traded multinational company that supports 20,000 financial advisors. So I think compliance is always a big misconception. It’s definitely what a lot of firms will pry upon when they’re saying like, “Oh, you’re going to own all the legal and regulatory requirements. You could, but it’s definitely not a requirement.” And then I think another one is folks sometimes underestimate and overestimate the operational burden and how much work it is to start an RIA. Sometimes people just… They’re perfect for the RIA world, that’s their goal, but they get stopped in their tracks. They don’t really know what to do. But what we’ve seen, we said it earlier with so many different outsourcing solutions and different service providers that have popped up, if you have the fire in your belly to go build something, it doesn’t mean you’re doing it by yourself. I mean, that’s what firms like ours do. The custodians are very helpful. On the flip side though, I have seen advisors chasing payouts say, “Hey, I’m just going to go start an RIA because I want to make another 1 to 3%,” or whatever it comes to and they drastically underestimate what it really takes to build a successful firm. Joshua Tomolak: Exactly right. I think that’s my favorite one, Louis, overestimating and estimating the operational burden there is you could have the same conversation with two teams and it can go the completely different direction. Louis Diamond: Josh, let’s wrap here. I got one more question for you that I think is an exciting one, but give me three key trends or storylines that most people don’t know about or aren’t talking about that you’re passionate about or that you’re sharing with advisors or counseling today. Joshua Tomolak: Sure. This is the free advice portion. And I’ll tell you what, Louis, if it’s all right with you, I’ll give you two and I would love to hear one from you as well. The first one I’ve seen in both the independent broker-dealer and RIA space is the minority investor concept. A lot of folks will talk about the idea of taking chips off a table and starting to partially monetize your business. I think that’s all important, but what I’ve found is that a lot of advisors really want their partner, whether it’s an RIA broker dealer to help them grow. And that could be with M&A opportunities, that could be with traditional recruitment of advisors, that could be building a business plan. But the minority investment part really helps accelerate that for a lot of businesses because all of a sudden, not only are you cashing out a small part of your business, but you’ve just created an ally with the parent entity, it is now much more likely to help you grow in that capacity because they’re insulated from it and they profit when you profit. So I think it’s easy to be shortsighted and say, “Well, my equity’s going to keep growing. Why would I sell you a piece of this?” But I counsel folks often to really think about what that long-term strategic partnership is and making somebody a real equity partner rather than just a vendor that provides you with technology and regulatory coverage. The other one I’d say is that… And this one’s really important to me, that business formation is far more important than your assets under management. Said a different way, the way you build your business is going to make your business far more valuable than the number of dollars underneath your name. And what I mean by that is, just to use an example, a sophisticated, well-built, centralized, scalable and repeatable business, whether it’s an RIA with a broker-dealer that is going to fetch a far higher M&A multiple than a OSJ that’s five times the size that just has a bunch of 1099 independent advisors underneath the umbrella. What we’ve seen in the M&A space is that if you’re going to shell out 50, 60, $80 million for somebody’s business, you want to know that you have this business for the long term. So I would certainly counsel people that have been around maybe far longer than me to take a look at how you’re building this and put together a business plan on what those next 10 years should look like and not necessarily fall into the trap where your only revenue source is the override that you receive from a firm and then you in turn pay to the advisors on your team. Louis Diamond: Well said. I really like that line. We’d probably do a whole episode on what are the tips and tricks for building a business with the end in mind? Like the Covey quote, “Begin with the end in mind.” Transitions are like… They’re a bear. I mean, there’s no way to sugarcoat it. Advisors, when they hear transition, if you ask them, “Don’t think about it, give me your reaction.” “Terrible, risky, a lot of work. I’ll never do it again. My friend did it and it was terrible. What if my clients don’t come?” It’s all these negative emotions. And in many cases, I don’t blame an advisor because it is a big act. But to me, if someone is weighing making a transition, whether a wholesale business model change going from being an employee to being independent, going from being an advisor at an independent BD to starting an RIA, or even going independent BD to independent BD, it’s an opportunity if you rise to the occasion to build with this next act with intentionality. So whether it’s restructuring compensation for your team, converting people from 1099 to W2, putting in place new workflows, changing how investments, instead of it being each individual advisor doing investments to more of a centralized model, cleaning up workflows, really investing in data, investing in AI. It’s something that I think, again, we can have a whole episode on it, but I think it’s a great one. Build the business the right way. And obviously, businesses that are larger, theoretically, sell for more, but we’ve certainly seen businesses that are half the size of a larger one sell for a similar amount or more because they did all the right things and the larger one did the things that really turn off a buyer or detract from a valuation. Let me give you one more and tell me if you agree, but I think we’re in this moment when Altruist, the upstart, a new kid on the block custodian, they launched a basically tokenization of cash in a way to automatically agentically source or sort cash to the highest yielding money market. And you’re like, “This is fricking wonky. Louis, why are you telling us this?” I think this is an important one just to keep a watchful eye on. I have no idea how this is going to shake out, but really the biggest way that independent BDs or even custodians like Schwab and Fidelity really make money, it’s not on their overrides from practices or the admin fee or the custody fee. It’s really on net interest margin. So how much the broker-dealer or the firm is making on client cash and brokerage accounts relative to what they’re paying out the client. It’s essentially like free margin to these firms. And this concept, I think, has massive potential for disruption for the business model. Again, I don’t know what it’s going to look like, whether it means platform fees that are instituted at all these firms, whether it means certain models would be more beneficial than others, whether it means nothing’s going to change, which is probably the right answer given this industry. But it’s something to keep a watchful eye on just if your firm institutes a new platform fee or there’s a fundamental way in which your firm can no longer make money. How are they going to make it up? Are they now going to be uncompetitive? They’re not going to have as much scale or profits to invest in the platform. Is it going to cause even more consolidation in the industry? So to me, that’s the one pretty under the radar, pretty wonky storyline that I don’t think enough people are talking about, but has the biggest possibility for disruption across their space than anything I’ve seen in a while. Joshua Tomolak: Sure. That’s the whole iceberg. Not a lot of people are talking about it. It’s not poking out of the ocean, but it’s going to be continuously brought up. I think it’s a question that a lot of advisors are going to have to ask these firms. And at the end of the day, the firms aren’t the bad guys. They have to make money too to provide a quality product. So where the money comes from matters. Louis Diamond: Exactly. Josh, this has been awesome. I learned a lot talking with you and just having your objective consulting hat on what I think are really the differences between IBD and RIA and some of the key trends and storylines to watch has been instrumental. I’ll also give a plug that on our website and we’ll link to it in the show notes, we have a really helpful one-page reference guide going through the differences between independent BDs or IBDs and RIAs. So feel free to click on it. We’ll make sure it gets in your inbox. Josh, thanks again for joining us today. Joshua Tomolak: Yeah, thanks for having me, Louis. It was a pleasure. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibilities seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I stay or Should I Go? is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and go

Do you ever feel like you've reached an age where you're supposed to have your entire life figured out? In this episode, I sit down with jewelry designer Ann Chikahisa to talk about reinventing yourself at ANY age and becoming more of who you actually are. Ann shares how an unexpected divorce after 22 years of marriage led her to rediscover herself and create meaningful talismans for hope and healing. We also talk about breaking the rules around aging and personal style, embracing imperfection, and getting comfortable being uncomfortable. Get ready to trust who you're becoming and remember there's no expiration date on becoming the woman you want to be. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Zazzle - Save 25% on your first order today at http://Zazzle.com with code EARN. Monarch Money -  Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Wealthfront - Join the million-plus people already building long-term wealth with confidence by heading to wealthfront.com/earn. Indeed - Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Momentous - If you want to try Momentous Signature Spec Creatine, head to livemomentous.com and use code EARN for up to 35% off your entire first order. HIGHLIGHTS 00:00 How to give yourself permission to become the woman you want to be. 03:00 Why wearing what makes you feel powerful can completely change how you show up. 06:30 Ann's styling secret for making the simplest outfit feel extraordinary. 10:00 Why reconnecting with your creativity can lead you to a completely new career path. 15:30 What is a talisman and how can it help you hold an intention? 22:30 The ritual Ann uses to embody strength before doing something that scares her. 27:00 What Wabi Sabi can teach you about embracing imperfection. 29:45 The 3 things Ann wishes she could give her younger self. 31:15 The intentions that helped Ann rebuild her identity after divorce. 35:00 How to stay grounded and flexible when you're navigating a major life transition. 37:00 How to turn an intention or feeling into something that reminds you who you want to be. 41:45 Where to find your best ideas when you need more creativity. 43:00 Why reinvention has no age and your best years can still be ahead of you. 47:30 The mindset that helps you keep growing even when it feels uncomfortable.  RESOURCES Get $25 off your Ann Chikahisa jewelry purchase with code MEANING at checkout HERE! Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow glōci: @getgloci Follow Ann: @chikahisastudio Earn up to 4.30% APY with Wealthfront's high-yield cash account for a limited time: https://wealthfront.com/earnThis experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The host of Earn Your Happy podcast, Lori Harder (“Media Partner”), is not a client of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY.Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Fees & Eligibility requirements may apply to certain checking features. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Product images are for illustrative purposes and do not reflect individual experiences, account balances, or performance.

#ChrisDistefano #StandUp #Comedy UNCUT WILD CONTENT GO HERE

In this episode, I sit down with Chris from PostcardMania to discuss why so many business owners hesitate to invest in marketing, how to overcome that mindset, and what it takes to build a predictable pipeline of quality leads. We also dive into why education is at the heart of PostcardMania's mission, why direct mail continues to deliver incredible results, and practical marketing strategies you can use to grow your business with confidence.

Mackey, Judd and Thor dish some Football Takes! Topics include Kirk Cousins starting for the Las Vegas Raiders over Fernando Mendoza, Tony Romo in hot water after a DWI, and the Kyle Shanahan crash somehow not being reported for weeks... See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

People are calling the new ChatGPT Voice their “AGI moment.”

Tune in as the team discusses: Organizing documents and property records with Google Drive Managing deal pipelines, workflows, mailings, and documents through LG Pass Pulling and preparing mailing lists with Zample Using county GIS systems, LandID, DataTree, and Parcel Review for due diligence Evaluating a property's usability, viability, visibility, and “buy-ability” Tracking buyer leads with Trello or a dedicated CRM such as Follow Up Boss Collecting down payments and managing notes through GeekPay Using AI to create training manuals, analyze expenses, research markets, and improve sales calls Avoiding shiny-object syndrome before building consistent deal flow Starting with simple tools and adding automation as the business grows TIP OF THE WEEK Mark Podolsky: Use AI to review bank and credit card statements for duplicate subscriptions, unnecessary tools, and costly overages—but keep your technology focused on a clear business outcome.Scott Bossman: Keep the horse in front of the cart: prioritize mailing, buying, marketing, and selling before investing time in complicated automation.Mike Zaino: Never prepare sales documents based only on a buyer's promise. Collect a payment first to confirm commitment.Jon Burnett: The best CRM is the one you consistently use. Start with a notebook or Trello, then upgrade when your lead volume justifies it. WANT MORE? Enjoyed this episode? Dive into more episodes of AOPI to discover how to build real passive income through land investing. UNLOCK MORE FREE RESOURCES: Get instant access to my free training, a free copy of my Bestseller Dirt Rich Book, and exclusive bonuses to accelerate your land investing journey—CLICK HERE "Isn't it time to create passive income so you can work where you want when you want, and with whomever you want?"

Eric Cohen is joined by SportsLine experts Sia Nejad, Jason Sobel and Josh Mullenix to dish out their best bets for the Rocket Classic. (2:00) Sobel is back, and Sia hits a live outright on Jackson Koivun(7:14) Storylines this Week(16:55) First Round Leaders(23:36) Tournament Matchups (and Charlie Hull's savage lottery prank on her caddie)(34:06) Finishing Positions(43:36) EC's Do Not Bet List(46:13) Outrights(55:01) Longshots & Parlays(1:05:05) One & Done(1:09:58) Best Bets for the Rocket Classic#SportsBetting #Gambling #Betting #PGATour #EarlyWedge #GolfPicks #GolfOneandDone #RocketClassic

Trail runner, writer, and BRCA1 gene carrier Sara Aranda grew up watching breast and ovarian cancer devastate the women in her family and ultimately lose her mom while she was in college. This week, she brings us her story–what it was like choosing prophylactic mastectomy and bilateral salpingo‑oophorectomy in her mid‑30s, going from FKT‑strong to surgical menopause overnight, and the collision of relief and grief that follows. Sara shares how she used a massive “lowest to highest” FKT and a prayer run for missing and murdered Indigenous women as both metaphor and preparation, how she's navigating hormone therapy, sleep, body composition, bone worries, and shin splints, and why she wants other medically and/or surgically menopausal athletes to know they are not alone.Sara Aranda is a creative writer, trail runner, and coach who is passionate about craft, community, and challenging perceived notions of language and body, notably what it now means for her to be an athlete in surgical menopause. From adventure storytelling to posting too much on Strava to sweeping run club runs to attempting FKTs, she is both young and menopausal, and still very much full of dreams. Past accomplishments include receiving a Notable Mention in the Best American Essays 2019 anthology, placing 1st Female at the Colossal Vail 50/50 55K, setting 22 FKTs, and receiving the Spirit of No Man's Land Award at No Man's Land Film Festival for her 2025 film, Ofrenda.Join us at Feisty Fest September 18-20, 2026: https://feisty.co/events/feisty-fest/Join the Feisty Strong STRONG Club: https://feisty.co/training/strong-club/ and use code:  HITPLAY15 to save 15%Sign up for our FREE Feisty 40+ newsletter: https://feisty.co/feisty-40/Learn More about our 2026 Feisty Events, including Bike Camps and Cycling Trips: https://feisty.co/events/Follow Us on Instagram:Feisty Menopause: @feistymenopauseHit Play Not Pause Facebook Group: https://www.facebook.com/groups/807943973376099Support our Partners:Midi Health: You Deserve to Feel Great. Book your virtual visit today at https://www.joinmidi.com/Previnex: Get 20% off your order with code FEISTYBRAIN at https://www.previnex.com/ Wahoo: Use the code FEISTY2026 to get a free Headwind Smart Fan (value $300) with the purchase of a Wahoo KICKR RUN at https://shorturl.at/WVhdr