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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! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jennifer Ledwith. Founder of Scholar Ready, discussed how families can successfully prepare for college while minimizing or eliminating student loan debt. Drawing from her personal experience of graduating from college with minimal debt and her work helping students earn scholarships since 2004, she shared practical strategies for test preparation, scholarship acquisition, college planning, and financial decision-making. The conversation focused on the growing cost of higher education, the dangers of excessive student loan borrowing, and the importance of early planning for both students and parents. Purpose of the Interview The interview was designed to: Help families understand how to reduce college costs. Educate parents about scholarships, student loans, and financial planning. Explain the importance of test preparation in securing scholarships. Provide a roadmap for students seeking debt-free college graduation. Raise awareness about common misconceptions surrounding college affordability. Discuss how AI is affecting student preparedness and scholarship applications. Key Takeaways 1. College Planning Should Start Early Jennifer emphasized that waiting until a student reaches senior year can limit scholarship opportunities. The ideal preparation process begins during: Middle school Freshman year Sophomore year Junior year Early preparation creates more options and stronger scholarship opportunities. 2. Scholarships Require More Than Good Grades According to Jennifer, successful scholarship candidates typically excel in three critical areas: Academic performance Standardized test scores Strong personal essays Families often focus on only one area while neglecting the others. 3. Student Loan Debt Can Be Avoided A central message of the interview is that many students can significantly reduce or avoid debt through strategic planning. This includes: Applying for scholarships early Understanding college costs Preparing for admissions exams Making financially sound college choices Jennifer built Scholar Ready specifically to help students accomplish those goals. 4. The Cost of College Requires Serious Financial Planning Jennifer compared paying for college to buying a home. She explained that families often spend months preparing for homeownership but approach college with far less planning despite similar costs. Her advice is to treat college as a major financial investment that requires preparation and professional guidance. 5. Not Every Expensive College Is the Best Financial Choice One of the myths Jennifer seeks to dispel is that private or out-of-state schools are always unaffordable. She explained that: Some private schools offer generous scholarships. Some out-of-state schools offer competitive aid packages. The actual cost may be lower than local options after scholarships are applied. Families should evaluate net cost rather than sticker price. 6. Parents Need Education Too Jennifer stressed that college planning isn't just for students. Parents need a clear understanding of: Scholarships Financial aid Loan options College affordability Long-term financial consequences Scholar Ready offers classes specifically designed to educate parents throughout the process. 7. Student Debt Is Becoming More Complex The interview explored changes in student lending and how borrowing limits can impact families. Jennifer noted that many students and parents are increasingly turning to private loans when federal aid falls short, often creating larger financial risks. 8. AI Can Become a Crutch Jennifer expressed concerns about students overusing artificial intelligence tools for writing assignments. While AI can support brainstorming and editing, excessive reliance can weaken: Writing skills Grammar skills Critical thinking Test performance Students eventually face standardized tests where AI cannot help them. 9. Standardized Tests Still Matter Despite changes in admissions practices, Jennifer believes strong SAT, ACT, and PSAT scores remain valuable, particularly when competing for scholarship dollars. Test preparation continues to play a significant role in scholarship success. 10. Different Families Need Different Solutions Scholar Ready offers multiple service options because every family enters the process with different: Timelines Goals Budgets Academic needs Jennifer believes effective college planning must be customized rather than one-size-fits-all. Key Themes Debt-Free College The interview centers on helping students graduate without burdensome student loan debt. Education as an Investment Jennifer encourages families to view college planning as a long-term financial strategy rather than a last-minute decision. Parent Involvement Parents play a crucial role in preparing students emotionally, academically, and financially. Preparation Creates Opportunity Students who prepare earlier gain access to more scholarship opportunities and better outcomes. Financial Literacy Understanding the financial side of higher education is just as important as academic preparation. Notable Quotes On Her Mission "I wanted to help students do the same thing that I did, which was to graduate from college with little to no student loan debt." On Rising College Costs "The household incomes are not keeping up with the rising cost of college." On College Planning "We need to take that same approach when it comes to college." On Scholarships "The grades, the essays and the test scores have to be on point." On Private Schools "Don't apply to a school out of state, don't apply to a private college because those colleges are going to be too much. No, not necessarily." On Scholarship Strategy "Do not start there. Start at the college or university." On AI "They've been using AI as a crutch." On Standardized Testing "There is no AI on the test." On Preparation "We're starting early." On Student Success "I am trying to pour that into my younger students." Success Highlights Founded Scholar Ready in 2004. Helped students earn scholarships and reduce college debt. Built a nationwide educational services company. Developed programs for both students and parents. Expanded services to include test preparation, essay coaching, and college planning. Studied personal financial planning and became a Certified Financial Planner to better serve families. Bottom Line Jennifer Ledwith's interview provides a practical roadmap for families seeking a more affordable path to higher education. Her message is clear: the rising cost of college requires intentional planning, early preparation, and informed decision-making. Through scholarship strategies, academic preparation, parent education, and financial literacy, students can significantly reduce debt and increase their opportunities for long-term success. #SHMS #STRAW #BEST 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 podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

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! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jennifer Ledwith. Founder of Scholar Ready, discussed how families can successfully prepare for college while minimizing or eliminating student loan debt. Drawing from her personal experience of graduating from college with minimal debt and her work helping students earn scholarships since 2004, she shared practical strategies for test preparation, scholarship acquisition, college planning, and financial decision-making. The conversation focused on the growing cost of higher education, the dangers of excessive student loan borrowing, and the importance of early planning for both students and parents. Purpose of the Interview The interview was designed to: Help families understand how to reduce college costs. Educate parents about scholarships, student loans, and financial planning. Explain the importance of test preparation in securing scholarships. Provide a roadmap for students seeking debt-free college graduation. Raise awareness about common misconceptions surrounding college affordability. Discuss how AI is affecting student preparedness and scholarship applications. Key Takeaways 1. College Planning Should Start Early Jennifer emphasized that waiting until a student reaches senior year can limit scholarship opportunities. The ideal preparation process begins during: Middle school Freshman year Sophomore year Junior year Early preparation creates more options and stronger scholarship opportunities. 2. Scholarships Require More Than Good Grades According to Jennifer, successful scholarship candidates typically excel in three critical areas: Academic performance Standardized test scores Strong personal essays Families often focus on only one area while neglecting the others. 3. Student Loan Debt Can Be Avoided A central message of the interview is that many students can significantly reduce or avoid debt through strategic planning. This includes: Applying for scholarships early Understanding college costs Preparing for admissions exams Making financially sound college choices Jennifer built Scholar Ready specifically to help students accomplish those goals. 4. The Cost of College Requires Serious Financial Planning Jennifer compared paying for college to buying a home. She explained that families often spend months preparing for homeownership but approach college with far less planning despite similar costs. Her advice is to treat college as a major financial investment that requires preparation and professional guidance. 5. Not Every Expensive College Is the Best Financial Choice One of the myths Jennifer seeks to dispel is that private or out-of-state schools are always unaffordable. She explained that: Some private schools offer generous scholarships. Some out-of-state schools offer competitive aid packages. The actual cost may be lower than local options after scholarships are applied. Families should evaluate net cost rather than sticker price. 6. Parents Need Education Too Jennifer stressed that college planning isn't just for students. Parents need a clear understanding of: Scholarships Financial aid Loan options College affordability Long-term financial consequences Scholar Ready offers classes specifically designed to educate parents throughout the process. 7. Student Debt Is Becoming More Complex The interview explored changes in student lending and how borrowing limits can impact families. Jennifer noted that many students and parents are increasingly turning to private loans when federal aid falls short, often creating larger financial risks. 8. AI Can Become a Crutch Jennifer expressed concerns about students overusing artificial intelligence tools for writing assignments. While AI can support brainstorming and editing, excessive reliance can weaken: Writing skills Grammar skills Critical thinking Test performance Students eventually face standardized tests where AI cannot help them. 9. Standardized Tests Still Matter Despite changes in admissions practices, Jennifer believes strong SAT, ACT, and PSAT scores remain valuable, particularly when competing for scholarship dollars. Test preparation continues to play a significant role in scholarship success. 10. Different Families Need Different Solutions Scholar Ready offers multiple service options because every family enters the process with different: Timelines Goals Budgets Academic needs Jennifer believes effective college planning must be customized rather than one-size-fits-all. Key Themes Debt-Free College The interview centers on helping students graduate without burdensome student loan debt. Education as an Investment Jennifer encourages families to view college planning as a long-term financial strategy rather than a last-minute decision. Parent Involvement Parents play a crucial role in preparing students emotionally, academically, and financially. Preparation Creates Opportunity Students who prepare earlier gain access to more scholarship opportunities and better outcomes. Financial Literacy Understanding the financial side of higher education is just as important as academic preparation. Notable Quotes On Her Mission "I wanted to help students do the same thing that I did, which was to graduate from college with little to no student loan debt." On Rising College Costs "The household incomes are not keeping up with the rising cost of college." On College Planning "We need to take that same approach when it comes to college." On Scholarships "The grades, the essays and the test scores have to be on point." On Private Schools "Don't apply to a school out of state, don't apply to a private college because those colleges are going to be too much. No, not necessarily." On Scholarship Strategy "Do not start there. Start at the college or university." On AI "They've been using AI as a crutch." On Standardized Testing "There is no AI on the test." On Preparation "We're starting early." On Student Success "I am trying to pour that into my younger students." Success Highlights Founded Scholar Ready in 2004. Helped students earn scholarships and reduce college debt. Built a nationwide educational services company. Developed programs for both students and parents. Expanded services to include test preparation, essay coaching, and college planning. Studied personal financial planning and became a Certified Financial Planner to better serve families. Bottom Line Jennifer Ledwith's interview provides a practical roadmap for families seeking a more affordable path to higher education. Her message is clear: the rising cost of college requires intentional planning, early preparation, and informed decision-making. Through scholarship strategies, academic preparation, parent education, and financial literacy, students can significantly reduce debt and increase their opportunities for long-term success. #SHMS #STRAW #BEST 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 podcastSee omnystudio.com/listener for privacy information.

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! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jennifer Ledwith. Founder of Scholar Ready, discussed how families can successfully prepare for college while minimizing or eliminating student loan debt. Drawing from her personal experience of graduating from college with minimal debt and her work helping students earn scholarships since 2004, she shared practical strategies for test preparation, scholarship acquisition, college planning, and financial decision-making. The conversation focused on the growing cost of higher education, the dangers of excessive student loan borrowing, and the importance of early planning for both students and parents. Purpose of the Interview The interview was designed to: Help families understand how to reduce college costs. Educate parents about scholarships, student loans, and financial planning. Explain the importance of test preparation in securing scholarships. Provide a roadmap for students seeking debt-free college graduation. Raise awareness about common misconceptions surrounding college affordability. Discuss how AI is affecting student preparedness and scholarship applications. Key Takeaways 1. College Planning Should Start Early Jennifer emphasized that waiting until a student reaches senior year can limit scholarship opportunities. The ideal preparation process begins during: Middle school Freshman year Sophomore year Junior year Early preparation creates more options and stronger scholarship opportunities. 2. Scholarships Require More Than Good Grades According to Jennifer, successful scholarship candidates typically excel in three critical areas: Academic performance Standardized test scores Strong personal essays Families often focus on only one area while neglecting the others. 3. Student Loan Debt Can Be Avoided A central message of the interview is that many students can significantly reduce or avoid debt through strategic planning. This includes: Applying for scholarships early Understanding college costs Preparing for admissions exams Making financially sound college choices Jennifer built Scholar Ready specifically to help students accomplish those goals. 4. The Cost of College Requires Serious Financial Planning Jennifer compared paying for college to buying a home. She explained that families often spend months preparing for homeownership but approach college with far less planning despite similar costs. Her advice is to treat college as a major financial investment that requires preparation and professional guidance. 5. Not Every Expensive College Is the Best Financial Choice One of the myths Jennifer seeks to dispel is that private or out-of-state schools are always unaffordable. She explained that: Some private schools offer generous scholarships. Some out-of-state schools offer competitive aid packages. The actual cost may be lower than local options after scholarships are applied. Families should evaluate net cost rather than sticker price. 6. Parents Need Education Too Jennifer stressed that college planning isn't just for students. Parents need a clear understanding of: Scholarships Financial aid Loan options College affordability Long-term financial consequences Scholar Ready offers classes specifically designed to educate parents throughout the process. 7. Student Debt Is Becoming More Complex The interview explored changes in student lending and how borrowing limits can impact families. Jennifer noted that many students and parents are increasingly turning to private loans when federal aid falls short, often creating larger financial risks. 8. AI Can Become a Crutch Jennifer expressed concerns about students overusing artificial intelligence tools for writing assignments. While AI can support brainstorming and editing, excessive reliance can weaken: Writing skills Grammar skills Critical thinking Test performance Students eventually face standardized tests where AI cannot help them. 9. Standardized Tests Still Matter Despite changes in admissions practices, Jennifer believes strong SAT, ACT, and PSAT scores remain valuable, particularly when competing for scholarship dollars. Test preparation continues to play a significant role in scholarship success. 10. Different Families Need Different Solutions Scholar Ready offers multiple service options because every family enters the process with different: Timelines Goals Budgets Academic needs Jennifer believes effective college planning must be customized rather than one-size-fits-all. Key Themes Debt-Free College The interview centers on helping students graduate without burdensome student loan debt. Education as an Investment Jennifer encourages families to view college planning as a long-term financial strategy rather than a last-minute decision. Parent Involvement Parents play a crucial role in preparing students emotionally, academically, and financially. Preparation Creates Opportunity Students who prepare earlier gain access to more scholarship opportunities and better outcomes. Financial Literacy Understanding the financial side of higher education is just as important as academic preparation. Notable Quotes On Her Mission "I wanted to help students do the same thing that I did, which was to graduate from college with little to no student loan debt." On Rising College Costs "The household incomes are not keeping up with the rising cost of college." On College Planning "We need to take that same approach when it comes to college." On Scholarships "The grades, the essays and the test scores have to be on point." On Private Schools "Don't apply to a school out of state, don't apply to a private college because those colleges are going to be too much. No, not necessarily." On Scholarship Strategy "Do not start there. Start at the college or university." On AI "They've been using AI as a crutch." On Standardized Testing "There is no AI on the test." On Preparation "We're starting early." On Student Success "I am trying to pour that into my younger students." Success Highlights Founded Scholar Ready in 2004. Helped students earn scholarships and reduce college debt. Built a nationwide educational services company. Developed programs for both students and parents. Expanded services to include test preparation, essay coaching, and college planning. Studied personal financial planning and became a Certified Financial Planner to better serve families. Bottom Line Jennifer Ledwith's interview provides a practical roadmap for families seeking a more affordable path to higher education. Her message is clear: the rising cost of college requires intentional planning, early preparation, and informed decision-making. Through scholarship strategies, academic preparation, parent education, and financial literacy, students can significantly reduce debt and increase their opportunities for long-term success. #SHMS #STRAW #BEST 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 podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

An hour is a long time to spend telling a jury they've been played, but that's what Kevin Reddington did in closing arguments for Lindsay Clancy, the Duxbury, Massachusetts mother charged with strangling her three children — 5-year-old Cora, 3-year-old Dawson, and 7-month-old Callan — with exercise resistance bands inside the family's Summer Street home on January 24, 2023. His pitch to jurors: the prosecution manufactured a heartless, controlling caricature of a woman who was, according to the defense, drowning in psychosis.Reddington took particular aim at how prosecutors framed Clancy's suicide attempt. She allegedly jumped from a second-story window after the killings and is now paralyzed from the waist down — and Reddington argued the state tried to cast even that as manipulation rather than the desperate act it appears to be. That's a hard sell in front of twelve people who've heard the medical details.Then came the expert witnesses, and Reddington didn't hold back. He claimed the state's own experts brought credentials from entirely different worlds — one with a background hunting terrorists, another focused on juvenile offenders, a third who allegedly conflated schizophrenia with psychosis. None of that, he argued, adds up to real expertise on postpartum mental illness. His closing message was simple: reasonable doubt doesn't require jurors to know what happened inside Clancy's mind that day. It just requires the state to have failed to rule out psychosis, and he says they did.Clancy faces three counts of murder and three counts of strangulation, has pleaded not guilty, and is mounting an insanity defense built on severe postpartum psychosis and psychiatric overmedication. The case is in Plymouth Superior Court, and the jury's next move decides everything.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodDisclaimer This publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.Hashtags #LindsayClancy #DuxburyTragedy #PostpartumPsychosis #TrueCrime #PlymouthCounty #CoraDawsonCallan #InsanityDefense #KevinReddington #ClosingArguments #TrueCrimeToday

Value: After Hours is a podcast about value investing, Fintwit, and all things finance and investment by investors Tobias Carlisle, and Jake Taylor. We are live every Tuesday at 1.30pm E / 10.30am P.────────────────────── ⁠⁠⁠⁠⁠⁠⁠⁠⁠VALUE OPTIONS LETTER⁠⁠⁠⁠⁠⁠⁠⁠⁠ Three to five curated ideas every week — cash-secured puts, covered calls, and spreads on businesses we'd want to own at strikes we'd be willing to pay. Every trade includes the business thesis in plain English, the fair-value estimate and its key assumptions, the specific option trade with target premium, and the pre-identified exit criteria.Every idea reviewed and approved by an analyst before it hits your inbox.⁠⁠⁠⁠⁠⁠⁠⁠⁠valueoptionsletter.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠──────────────────────See our latest episodes at https://acquirersmultiple.com/podcastAbout Jake Jake's Twitter: https://twitter.com/farnamjake1Jake's book: The Rebel Allocator https://amzn.to/2sgip3lABOUT THE PODCASTHi, I'm Tobias Carlisle. I launched The Acquirers Podcast to discuss the process of finding undervalued stocks, deep value investing, hedge funds, activism, buyouts, and special situations.We uncover the tactics and strategies for finding good investments, managing risk, dealing with bad luck, and maximizing success.SEE LATEST EPISODEShttps://acquirersmultiple.com/podcast/SEE OUR FREE DEEP VALUE STOCK SCREENER https://acquirersmultiple.com/screener/FOLLOW TOBIASWebsite: https://acquirersmultiple.com/Firm: https://acquirersfunds.com/ Twitter: ttps://twitter.com/GreenbackdLinkedIn: https://www.linkedin.com/in/tobycarlisleFacebook: https://www.facebook.com/tobiascarlisleInstagram: https://www.instagram.com/tobias_carlisleABOUT TOBIAS CARLISLETobias Carlisle is the founder of The Acquirer's Multiple®, and Acquirers Funds®. He is best known as the author of the #1 new release in Amazon's Business and Finance The Acquirer's Multiple: How the Billionaire Contrarians of Deep Value Beat the Market, the Amazon best-sellers Deep Value: Why Activists Investors and Other Contrarians Battle for Control of Losing Corporations (2014) (https://amzn.to/2VwvAGF), Quantitative Value: A Practitioner's Guide to Automating Intelligent Investment and Eliminating Behavioral Errors (2012) (https://amzn.to/2SDDxrN), and Concentrated Investing: Strategies of the World's Greatest Concentrated Value Investors (2016) (https://amzn.to/2SEEjVn). He has extensive experience in investment management, business valuation, public company corporate governance, and corporate law.Prior to founding the forerunner to Acquirers Funds in 2010, Tobias was an analyst at an activist hedge fund, general counsel of a company listed on the Australian Stock Exchange, and a corporate advisory lawyer. As a lawyer specializing in mergers and acquisitions he has advised on transactions across a variety of industries in the United States, the United Kingdom, China, Australia, Singapore, Bermuda, Papua New Guinea, New Zealand, and Guam. He is a graduate of the University of Queensland in Australia with degrees in Law (2001) and Business (Management) (1999).

THIS is exactly how I would skyrocket Etsy sales in 2026!In today's episode, we're talking about the 7 Game-Changing Strategies to use in 2026 to blow up your Etsy shop and increase your sales, average order value, and listing quality score!Feeling stuck with your Etsy shop? Inside our Ultimate Etsy course and coaching program, we believe there's no one size fits all strategy. Every shop is different. That's why the first step is to book a call with our team so we can understand your goals, identify what's holding your shop back, and help you create a clear path to growth.

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! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed, Dr. Sonia Lewis. Founder and CEO of The Student Loan Doctor, LLC, an award-winning company that helps individuals navigate student loan repayment and debt management. The conversation explores America's student loan crisis, the long-term impact of educational debt, financial literacy, entrepreneurship, and Dr. Lewis's journey from higher education professional to nationally recognized business owner. At its core, the interview is both a discussion about the realities of student loan debt and an entrepreneurial success story about identifying a major problem and building a business around solving it. Purpose of the Interview The interview was designed to: Educate listeners about the student loan debt crisis. Explain how student debt affects long-term financial success. Highlight the unique challenges facing African American borrowers, particularly women. Introduce solutions and resources for student loan repayment. Share Dr. Lewis's entrepreneurial journey and business-building strategies. Encourage financial literacy and informed borrowing decisions. Key Takeaways 1. Student Loan Debt Is a Systemic Problem Dr. Lewis argues that the student loan crisis begins with the cost of higher education itself. Key points include: Student loans are one of the few major financial products available without traditional underwriting standards. New borrowers continuously enter the system, making loan forgiveness alone an incomplete solution. The problem is tied directly to the growing cost of college education. Higher education and student lending have become interconnected industries with few structural solutions. Bottom Line: The challenge is not just repayment. It is the broader system that continues producing new debt every semester. 2. Student Debt Impacts Major Life Decisions One of the strongest themes throughout the interview is how student debt affects adulthood. Dr. Lewis explains that borrowers often don't fully understand the consequences until they begin trying to: Buy a home Build credit Get married Start a family Launch a business Create long-term wealth Many borrowers discover that large student loan balances significantly limit financial flexibility and delay major life milestones. 3. African American Women Carry a Disproportionate Burden Dr. Lewis has dedicated much of her career to studying how student loan debt impacts African American women. She notes that: African American women earn more college degrees than many demographic groups. They often carry some of the highest student loan balances. Educational attainment does not always translate into proportional wealth building. Student debt often delays homeownership, entrepreneurship, and family financial growth. This issue became a central motivation behind her work and the creation of her company. 4. The Student Loan Doctor Was Built by Solving a Real Problem Dr. Lewis launched her business after recognizing that borrowers were not receiving adequate guidance from loan servicers. She initially: Worked a full-time job in higher education. Met clients in cafes and community spaces after work. Charged modest consultation fees. Studied federal student loan regulations extensively. Built expertise through years of financial aid and higher education experience. Eventually demand exceeded her full-time salary, allowing her to transition into entrepreneurship. Entrepreneurial Lesson: Find a major problem, become an expert in solving it, and deliver consistent value. 5. Solving Problems Creates Business Opportunities A powerful business lesson from the interview is Dr. Lewis's belief that successful entrepreneurs place themselves in the middle of a significant problem. After publicly sharing that she was the first African American woman-owned student loan repayment company, her story went viral. This exposure led to: National media attention Increased public awareness Thousands of inquiries Significant business growth Her success demonstrates the value of owning a niche and becoming the go-to expert in that space. 6. Financial Literacy Starts at Home While colleges play a role in educating students about finances, Dr. Lewis believes financial literacy begins much earlier. She emphasizes: Parents should teach money management. Young adults often receive loan refunds without understanding budgeting. Many borrowers arrive at college without financial education. Borrowing decisions should be tied to future earning potential. Her View: Financial decision-making skills must be developed before students begin managing significant amounts of money. 7. Education Must Connect to Career Outcomes Another important takeaway is the need to think strategically about degrees and career paths. Dr. Lewis encourages students and families to consider: Return on investment. Career demand. Income potential. Employment opportunities. Degree marketability. She notes that many borrowers accumulate debt for degrees without fully understanding how those degrees translate into sustainable careers. 8. Teaching Builds Trust A major factor in Dr. Lewis's success has been education-based marketing. She regularly provides: Free workshops Online classes Community education events Financial literacy sessions By teaching first and selling second, she establishes credibility and trust with potential clients. Notable Quotes On the Student Loan Crisis "Unless we make it free, free 99, in the United States of America, this is a trillion-dollar problem that really doesn't have a solution." On Life After College "When you go to buy a home, they'll say, well, you already have a mortgage. We can't give you another one." On Entrepreneurship "When you are an entrepreneur, you want to put yourself in the middle of a big problem." On Her Business Growth "There was no me before. People were shying away from this conversation." On Supporting Borrowers "We get right into the solution." On Student Loan Shame "It's the thing that plays in the back of your mind when no one else is around." On Building a Business "I only want to talk about having student loans. That's my lane." On Success "God be showing up in places that I haven't made it to yet." On Leadership "You cannot be an entrepreneur, a good business owner, a good leader if you don't have discernment about people." On Personal Growth "I believe in mentorship. I believe in investing in myself." Executive Summary Dr. Sonia Lewis's interview is both a financial education discussion and an entrepreneurial masterclass. She highlights how student loan debt has become a long-term barrier to wealth creation, particularly for African American women, while providing practical insight into why borrowers struggle and how they can move forward. Equally important, she demonstrates how identifying a widespread problem, developing deep expertise, and consistently educating others can create a highly successful business. Her overarching message is that informed financial decisions, strong mentorship, continuous learning, and strategic problem-solving are essential for both personal and professional success. #STRAW #BEST #SHMS 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 podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

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! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed, Dr. Sonia Lewis. Founder and CEO of The Student Loan Doctor, LLC, an award-winning company that helps individuals navigate student loan repayment and debt management. The conversation explores America's student loan crisis, the long-term impact of educational debt, financial literacy, entrepreneurship, and Dr. Lewis's journey from higher education professional to nationally recognized business owner. At its core, the interview is both a discussion about the realities of student loan debt and an entrepreneurial success story about identifying a major problem and building a business around solving it. Purpose of the Interview The interview was designed to: Educate listeners about the student loan debt crisis. Explain how student debt affects long-term financial success. Highlight the unique challenges facing African American borrowers, particularly women. Introduce solutions and resources for student loan repayment. Share Dr. Lewis's entrepreneurial journey and business-building strategies. Encourage financial literacy and informed borrowing decisions. Key Takeaways 1. Student Loan Debt Is a Systemic Problem Dr. Lewis argues that the student loan crisis begins with the cost of higher education itself. Key points include: Student loans are one of the few major financial products available without traditional underwriting standards. New borrowers continuously enter the system, making loan forgiveness alone an incomplete solution. The problem is tied directly to the growing cost of college education. Higher education and student lending have become interconnected industries with few structural solutions. Bottom Line: The challenge is not just repayment. It is the broader system that continues producing new debt every semester. 2. Student Debt Impacts Major Life Decisions One of the strongest themes throughout the interview is how student debt affects adulthood. Dr. Lewis explains that borrowers often don't fully understand the consequences until they begin trying to: Buy a home Build credit Get married Start a family Launch a business Create long-term wealth Many borrowers discover that large student loan balances significantly limit financial flexibility and delay major life milestones. 3. African American Women Carry a Disproportionate Burden Dr. Lewis has dedicated much of her career to studying how student loan debt impacts African American women. She notes that: African American women earn more college degrees than many demographic groups. They often carry some of the highest student loan balances. Educational attainment does not always translate into proportional wealth building. Student debt often delays homeownership, entrepreneurship, and family financial growth. This issue became a central motivation behind her work and the creation of her company. 4. The Student Loan Doctor Was Built by Solving a Real Problem Dr. Lewis launched her business after recognizing that borrowers were not receiving adequate guidance from loan servicers. She initially: Worked a full-time job in higher education. Met clients in cafes and community spaces after work. Charged modest consultation fees. Studied federal student loan regulations extensively. Built expertise through years of financial aid and higher education experience. Eventually demand exceeded her full-time salary, allowing her to transition into entrepreneurship. Entrepreneurial Lesson: Find a major problem, become an expert in solving it, and deliver consistent value. 5. Solving Problems Creates Business Opportunities A powerful business lesson from the interview is Dr. Lewis's belief that successful entrepreneurs place themselves in the middle of a significant problem. After publicly sharing that she was the first African American woman-owned student loan repayment company, her story went viral. This exposure led to: National media attention Increased public awareness Thousands of inquiries Significant business growth Her success demonstrates the value of owning a niche and becoming the go-to expert in that space. 6. Financial Literacy Starts at Home While colleges play a role in educating students about finances, Dr. Lewis believes financial literacy begins much earlier. She emphasizes: Parents should teach money management. Young adults often receive loan refunds without understanding budgeting. Many borrowers arrive at college without financial education. Borrowing decisions should be tied to future earning potential. Her View: Financial decision-making skills must be developed before students begin managing significant amounts of money. 7. Education Must Connect to Career Outcomes Another important takeaway is the need to think strategically about degrees and career paths. Dr. Lewis encourages students and families to consider: Return on investment. Career demand. Income potential. Employment opportunities. Degree marketability. She notes that many borrowers accumulate debt for degrees without fully understanding how those degrees translate into sustainable careers. 8. Teaching Builds Trust A major factor in Dr. Lewis's success has been education-based marketing. She regularly provides: Free workshops Online classes Community education events Financial literacy sessions By teaching first and selling second, she establishes credibility and trust with potential clients. Notable Quotes On the Student Loan Crisis "Unless we make it free, free 99, in the United States of America, this is a trillion-dollar problem that really doesn't have a solution." On Life After College "When you go to buy a home, they'll say, well, you already have a mortgage. We can't give you another one." On Entrepreneurship "When you are an entrepreneur, you want to put yourself in the middle of a big problem." On Her Business Growth "There was no me before. People were shying away from this conversation." On Supporting Borrowers "We get right into the solution." On Student Loan Shame "It's the thing that plays in the back of your mind when no one else is around." On Building a Business "I only want to talk about having student loans. That's my lane." On Success "God be showing up in places that I haven't made it to yet." On Leadership "You cannot be an entrepreneur, a good business owner, a good leader if you don't have discernment about people." On Personal Growth "I believe in mentorship. I believe in investing in myself." Executive Summary Dr. Sonia Lewis's interview is both a financial education discussion and an entrepreneurial masterclass. She highlights how student loan debt has become a long-term barrier to wealth creation, particularly for African American women, while providing practical insight into why borrowers struggle and how they can move forward. Equally important, she demonstrates how identifying a widespread problem, developing deep expertise, and consistently educating others can create a highly successful business. Her overarching message is that informed financial decisions, strong mentorship, continuous learning, and strategic problem-solving are essential for both personal and professional success. #STRAW #BEST #SHMS 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 podcastSee omnystudio.com/listener for privacy information.

Cliff May: Cliff May argues that Islamism is not being studied with the rigor that communism once received during the Cold War. He observes that many university Middle East studies departments, funded by foreign interests such as Qatar, have become Islamist adjacent. May highlights a recent Senate hearing on the Muslim Brotherhood where most senators failed to attend, fearing accusations of Islamophobia. This willful determination to ignore history allows the red-green alliance of far-left activists and Islamists to grow, posing a significant threat to democratic values. (7)

Recognize the 7 Mind Types - How Top Performers Speak Their Customer's LanguageMost salespeople treat every customer the same way. They use one pitch. One approach. One way of communicating. And it doesn't work for everyone.The problem isn't you. The problem is you're not reading the person in front of you. You're not recognizing their mind type.Today Sam sits down with Ridgely Goldsborough, a serial entrepreneur who's started forty-five companies, authored twenty books, and was Jim Rohn's voice in Latin America for decades. In this episode, Ridgely teaches you how to recognize the seven different mind types so you can adapt your communication and close more deals.What You'll Learn:The seven mind types and how to spot them instantly. The Giver loves to make a difference. The Connector values trust above all else. The Problem Solver needs data to make sense of things. The Innovator always wants a better way. The Perfectionist does things right. The Rebel challenges everything. The Master wants depth. Each one is wired differently. Each one communicates differently.Why knowing someone's mind type changes everything. Once you know their mind type, you know their communication keywords. Use those words and they respond as strongly as they respond to their own name. That builds trust. That closes deals.How each mind type has a superpower and a kryptonite. The Giver's superpower is causes. Their kryptonite is overcommitment. The Connector's superpower is trust. Their kryptonite is waste. The Problem Solver's superpower is solutions. Their kryptonite is paralysis when they don't have enough data. Every mind type is exceptional at something and struggles with something else. Knowing yours means you can play to your strength and manage your weakness.Why people who think like you are easy to work with, and why everyone else is difficult. When you don't understand someone's mind type, you clash. The Giver overwhelms the Connector. The Problem Solver frustrates the Innovator. The Perfectionist stifles the Rebel. But when you understand each other's mind type, everything changes.How your personal philosophy shapes which mind type you are. What you read, listen to, watch, and who you hang around with forges who you become. That determines your mind type. That determines how you communicate. That determines your results.Potential beats talent every single time. Someone twenty percent good making one hundred calls talks to twenty people. Someone fifty percent good making ten calls talks to five. Effort beats talent. Volume beats skill. The person willing to work is the person who wins.Why This Matters:If you're struggling to close deals, you probably already know how to sell. The problem is you're not reading the person in front of you. You're using the wrong approach for the wrong mind type. This episode teaches you to recognize the seven mind types so you can adapt your communication instantly. That skill changes your close rate.About Ridgely Goldsborough:Serial entrepreneur who's started forty-five companies. Author of twenty books. Studied alongside Jim Rohn as his voice in Latin America. Two master's degrees. Studied Buddhism, personal development, and human psychology. Now runs Local Market Dominator, helping contractors and home service businesses get found online and convert prospects into customers.Ridgely's Resources:Mind Types Framework and Communication Keywords List: Search "Mind Types" online or email Sam at sam@closeitnow.net and he'll send you everything Ridgely has created.Free AI and Online Visibility Audit: Go to https://www.localmarketdominator.com. Understand how people are finding you online and what happens when they do. Ridgely offers free audits on traffic and conversion for any business.Work with Sam:Website: https://www.closeitnow.netCoaching and training: https://www.closeitnow.net/coachingFacebook group: https://www.facebook.com/groups/closeitnowEmail: sam@closeitnow.netBook a call: https://calendar.app.google/KZH1j2Q1MAXTKbT38Three Ways to Work with Sam:One: On-site training. Half-day classroom plus half-day ride-alongs with your team.Two: Virtual training. Same frameworks, delivered remotely for teams or individuals.Three: The Build. Company scaling partnership with Doug C. Brown. You built the revenue. We help you build the business.Leave a Review:Five-star review on Apple Podcasts gets you a free one-hour coaching session with Sam. Message Sam with your review and you're in.Google Review Link: https://g.page/r/CbfnnDqTCwQdEAE/review

On this episode of Diabetes Connections In the news… Sanofi acknowledges an insulin shortage, a new oral therapy for type 1 moves along in research, could there be an actual, accurate, non-invasive CGM in the works, ADA conflict continues and a new documentary about Girl Scout cookies shines a spotlight on T1D. Don't miss our upcoming events! Moms' Night Out in Detroit and Seattle, Club 1921 in Charlotte and Phoenix: https://diabetes-connections.com/events/   Announcing Community Commericals! Learn how to get your message on the show here. Learn more about studies and research at Thrivable here Please visit our Sponsors & Partners - they help make the show possible! Omnipod - Simplify Life All about Dexcom  All about VIVI Cap to protect your insulin from extreme temperatures The best way to keep up with Stacey and the show is by signing up for our weekly newsletter: Sign up for our newsletter here Here's where to find us: Facebook (Group) Facebook (Page) Instagram Check out Stacey's books! Learn more about everything at our home page www.diabetes-connections.com   Transcript:  (Stacey Track) On this episode of Diabetes Connections In the news… Sanofi acknowledges an insulin shortage, a new oral therapy for type 1 moves along in research, could there be an actual, accurate, non-invasive CGM in the works, ADA conflict continues and I can't wait to tell you about Cookie Queens.. that's coming up right after this. (AD BREAK) Welcome! I'm your host Stacey Simms and this is an In The News episode.. where we bring you the top diabetes stories and headlines happening now. A reminder that you can find the sources and links and a transcript and more info for every story mentioned here in the show notes. We are still looking for your community commercials. These are 30–60 second audio spots created by members of the diabetes community to share: Events you're organizing: a fundraiser, walk, or local meetup Products you've created: maybe you've written a book, have a Substack, designed a T1D-friendly gadget, or launched a small business Helpful projects or resources: things you think others in our community should know about It's your chance to share what you're doing and help others get connected! Full instructions are on the website. While you're there please check out our events. We're turning toward fall and we have a lot going on – MNO and Club 1921.   Okay.. our top story this week: XX I want to talk about Cookie Queens! It might not sound like a hard news story.. but It's my show and I can't wait to watch this. This move follows four Girl Scouts ages 5-12 during cookie season. One of the girls has type 1 – they don't mention it in the trailer, but you can see her omnipod. Here's a clip:   Start the very beginning and stop after "I want to be a supreme court justice." (stop after the "oh..laughter" https://www.youtube.com/watch?v=nnSQS43Eil8   Viewers meet Ara from San Diego, CA (5), Shannon Elizabeth from El Paso, TX (8), Nikki from Chino, CA (9), and Olive from Charlotte, NC (12). Ara has Type 1 diabetes and is shown taking insulin, refilling her pump before bed, and determining with her dad how to sample the cookies she's selling while keeping her blood sugar levels safe. Thumbs down to the Hollywood reporter dot com. In their review they say.. "if this film were itself a baked good, Ara would need to be careful because one bite could cause hyperglycemia or even diabetic ketoacidosis. It's just that sweet." Cookie Queens comes out this month. https://www.hollywoodreporter.com/movies/movie-reviews/cookie-queens-review-prince-harry-meghan-markle-girl-scouts-1236484555/ trailer:   XX Supply issues for Lantus SoloStar pens being acknowledged by Sanofi. The company says it's experiencing "a period of intermittent supply due to increased demand. The company said the increase in demand is being driven by "broader market dynamics," but did not provide additional details. Sanofi said the situation is temporary and is expected to improve over the coming weeks. The company said Lantus U-100 vials and Toujeo U-300, which contain the same active ingredient, remain available. https://www.wral.com/news/local/common-insulin-pen-faces-supply-issues-amid-rising-demand-july-23-2026/ XX The University of Alabama at Birmingham startup TIXiMED Inc. has launched the next phase of clinical testing for a novel oral therapy for Type 1. For now called TIX100, a small-molecule drug designed to inhibit a protein linked to pancreatic beta-cell loss and diabetes progression. The new double-blind, randomized, placebo-controlled study will evaluate the drug's safety, tolerability and pharmacokinetics. Researchers will enroll 18 healthy participants across three dose cohorts at a single United States study site. Participants will receive either TIX100 or a placebo twice daily for 28 days, followed by a seven-day follow-up period. Six participants making up the first cohort have been successfully enrolled thus far. In addition to its potential use in Type 1 diabetes, TIX100 may have applications in Type 2 diabetes and obesity. A recent study found that the drug prevented weight regain and preserved lean muscle mass after discontinuation of GLP-1 therapies in preclinical models. https://www.uab.edu/news/research-innovation/startup-advances-novel-oral-type-1-diabetes-therapy-to-next-phase-of-human-testing XX Researchers at the University of California San Diego say they have developed and validated a Continuous Health Analyzing Ring Module (CHARM), a compact, fully integrated wearable smart ring capable of continuous real-time monitoring of multiple biomarkers in sweat. The wearable device can simultaneously measure up to four biomarkers, including glucose, ketone, uric acid, lactate, ascorbic acid, and alcohol, to provide real-time insights into metabolic health. The study is published in Nature Communications. They say CHARM device contains all necessary biomarker sensors, low-power electronics, and a flexible battery. The left compartment of the device is designed to draw sweat passively using an osmotic hydrogel, a soft polymer that creates a pressure gradient to pull fluid from the skin painlessly. The sweat is then analyzed by multiplexed electrochemical sensor arrays within the same compartment, leading to simultaneous and real-time tracking of four biomarkers at a time.   The right compartment of the device contains a flexible zinc-silver oxide rechargeable battery that supplies power for up to 12 hours of operation between charges. Biomarker information generated through sensors is wirelessly transferred to a connected Bluetooth-enabled device for real-time display The findings indicated that the device performed well in initial temperature, cytotoxicity, and on-body compatibility tests. It also demonstrated high analytical accuracy in preliminary studies involving healthy participants and individuals with type 1 diabetes, highlighting its potential for non-invasive metabolic monitoring. The calculated estimated sweat-based blood glucose concentration showed a mean absolute relative difference of approximately 13.7% against its corresponding blood concentration values.   The device needs further validation in diverse clinical settings and across large diabetic cohorts.   https://www.news-medical.net/news/20260727/Prototype-smart-ring-tracks-multiple-sweat-biomarkers.aspx   XX Hotter weather and rising temps appear to increase the short term risk for low blood sugar in adults with type 1. An analysis of more than 32 million continuous glucose monitor (CGM) readings from nearly 700 adults with T1D in the UK showed a 26% greater risk for hypoglycemia at a temperature of 25 °C (77 °F) than at 13 °C (55.4 °F). Hypoglycemia was defined as a glucose level < 3.9 mmol/L (70 mg/dL). The study included 679 individuals with T1D and 32,966,282 CGM readings collected between February 23, 2017, and August 8, 2024. Participants had a mean age of 46.4 years and a mean T1D duration of 23.7 years. The researchers observed strong seasonal patterns, with lower odds of hypoglycemia in late winter and early spring, followed by a peak during the summer. The lowest risk occurred on Mondays. The odds then increased over the course of the week and peaked toward the weekend, with a significant odds ratio of 1.14 on Saturdays compared with Mondays. Increases in hypoglycemia were observed during both hot and cold weather, but the association was stronger for heat. The net odds ratio was 1.26 at 25 °C compared with 13 °C.   https://www.medscape.com/viewarticle/when-temperatures-climb-hypoglycemia-risk-rises-type-1-2026a1000q4r XX Seven weeks after the expulsion of five diabetes experts from the American Diabetes Association conference, controversy continues. More than 200 members now calling for two ADA leaders to resign. In response, the ADA delivered its own message Tuesday, expressing appreciation for members' patience while a report is prepared.   The resignation demand, sent last week in an open letter to the ADA board of directors, calls for the removal of CEO Charles Henderson and chief scientific and medical officer Rita Kalyani. It also urges "an independent investigation into the events of the 2026 Scientific Sessions in New Orleans, a full apology to the five colleagues removed from the meeting, and the restoration of editorial independence at Diabetes Care," an ADA scientific journal.   https://www.statnews.com/2026/07/28/american-diabetes-association-fallout-researchers-expulsion/ XX XX Still to come, , a new link between diabetes and dementia, device updates, and why you might want to start rooting for the Red Sox..   XX New study says that people diagnosed with type 1 diabetes (T1D) before the age of 10 years had a 37% higher risk of developing all-cause dementia later in life than those diagnosed between ages of 18 and 30 years. These researchers used a Swedish national register of 43,440 individuals with T1D (mean age at cohort entry, 33 years; 44% women) Worth noting a couple of things.. the mean age in this study was 33 – so the people who were diagnosed under the age of ten would not have had access to current technology – no CGMs or AID systems. And while the study says it's 37% higher for the younger group, the actual rate was still very low. As always, I'll link to the study so you can learn more. My obvious bias here to look for a silver lining because I have a son who diagnosed with T1D at age 2.   https://www.medscape.com/viewarticle/type-1-diabetes-onset-before-age-10-tied-higher-risk-2026a1000pir XX Researchers have developed a machine learning model that uses routine clinical information to detect diabetes and distinguish between type 1, type 2, prediabetes, and diabetes caused by pancreatic disease. The model performed well in early testing, but researchers say it still needs to be validated in independent patient groups before it could be considered for use in diabetes screening or clinical care. It did not assess clinical utility, patient outcomes, or quality of life. https://www.news-medical.net/news/20260729/Researchers-train-AI-to-detect-diabetes-and-assign-four-diagnostic-labels.aspx XX Trinity Biotech and Latch Medical are teaming up to explore combining CGM with precision drug delivery technology for diabetes, obesity, and other metabolic conditions. The companies hope real-time glucose data from Trinity's CGM+ sensor could eventually help guide more personalized treatment decisions and medication delivery. Trinity's CGM+ is still in development, with a pivotal clinical trial planned for later this year. https://www.drugdeliverybusiness.com/trinity-biotech-collab-cgm-drug-delivery/ XX The FDA selects Dexcom as the first participant in a new digital health pilot that will exempt certain digital health devices from FDA premarket authorization requirements while collecting real world data through a complementary Medicare program. Dexcom, plans to implement an artificial intelligence-enabled glucose health program through the pilot. The program is intended to help screen for prediabetes and Type 2 diabetes. The company plans to integrate data from its sensors, including its prescription G7 CGM and its over-the-counter Stelo device, along with contextual health information such as nutrition, physical activity, sleep and stress. The FDA announced plans for the Technology-Enabled Meaningful Patient Outcomes, or TEMPO, pilot last year amid a broader push for adoption of digital health and wearables. It coincides with a new program by the CMS to fund the use of digital technologies for managing chronic conditions. https://www.healthcaredive.com/news/fda-names-dexcom-as-first-participant-in-digital-health-pilot/826215/ XX Medicare and Medicare Advantage beneficiaries now have access to the new MiniMed Flex insulin pump. Beneficiaries can now access the MiniMed Flex and its latest sensor portfolio, which currently includes the Simplera Sync sensor, a disposable, all-in-one sensor with easy two-step insertion. The company plans to roll it out with the Instinct sensor, made by Abbott, later this summer. It also added Abbott's dual glucose-ketone sensor (still investigational in the U.S.) to its portfolio this year. Flex picked up FDA clearance in March and the company announced the initial commercial rollout of the pump last month. https://www.drugdeliverybusiness.com/minimed-flex-pump-now-available-medicare/ XX Eli Lilly expands it's partnership with Resilience – the makers of the KwikPen device. Through the investment, Resilience will significantly increase U.S. production of Lilly's KwikPen injectable device for diabetes and obesity medicines. In February, Lilly won FDA approval for Zepbound in a multidose KwikPen device. The product includes four doses of the GLP-1/GIP receptor agonist, providing a month of treatment for obesity or overweight in one device. Resilience expects the KwikPen capacity expansion to create at least 400 jobs in the Cincinnati area. https://www.biospace.com/deals/lilly-and-resilience-invest-750m-in-diabetes-and-obesity-drug-device-supply XX Alex Cooper – the host of the top podcast Call her Daddy – announced she's been diagnosed with gestational diabetes.   "When I got this diagnosis, the first couple days, I was really hard on myself," the 31-year-old admitted. "It felt very isolating, like, as much as my family and my husband and everyone was there for me I just felt like, it's me on an island." She says she found an online community that's been helping. In sharing her experience, she hoped it would alleviate the stress. https://www.eonline.com/news/1434556/pregnant-alex-cooper-shares-isolating-gestational-diabetes-diagnosis XX Several amazing diabetes non profits are vying for big charity dollars from the Boston Red Sox. The IMPACT Awards provide Red Sox fans with the chance to nominate their favorite, most impactful nonprofit organization serving New England for their opportunity to win a grant from the Red Sox Foundation. In 2026, the IMPACT Awards will focus on organizations that are supporting research and providing awareness, advocacy, and services to people with diabetes. Check out all the charities and vote for your favorites – you've heard of so many of these I promise – at the link in the episode show notes, . https://www.mlb.com/redsox/community/red-sox-foundation/impact-awards?partnerId=redirect-bos-impact

The Geek of DFS Army reveals tips and tricks to help you win your 2026 fdraftkings NFL showdown lineups

Interview with Roger McIntyre, MD

Dr. Joseph Moore is a historian who spent a decade testing every financial strategy Americans have ever tried: he Airbnb'd every room in his house, bought land on the moon, founded a cryptocurrency, and invested in a startup that went to zero — to write How to Get Rich in American History: 300 Years of Financial Advice That Worked and Didn't. He started the project as a "lefty humanities professor" trying to prove the American Dream was a myth. Ten years of evidence later, he'd changed his mind completely. We're all about changing your mind when you know better. We get into why the boomer playbook of saving 10% for 40 years would have failed almost half the time since the American Revolution, why health insurance companies run under 3% margins while funeral homes and self-storage run 10-15%, and the five things that actually predict getting ahead. Joseph also tells the real story of how he got rich — including the tenant who turned out to be running a human trafficking operation out of his first rental property, and the two-block real estate bet that nearly bankrupted him before it made him a multimillionaire. The opportunity was never gone, it just takes longer to find than the get-rich-quick books tell you, and it won't be easy or passive. This is an optimistic view of America from a historian who did the research in books and in his own life. Order the book: https://www.amazon.com/How-Get-Rich-American-History/dp/0063464586 Subscribe to Joe's Substack: https://www.josephmoorebooks.com Quotes "You can make five to seven times as much money holding people's junk, throwing it away, or putting them in the ground than you can keeping them healthy." — Joseph Moore "Nothing will change your political opinion so much as having to make payroll." — Joseph Moore "The rungs on the ladder to success were sawed off by the people who went ahead of you." — Joseph Moore, on 19th-century complaints about opportunity in America "It's a despair industrial complex — there's no clicks for a journalist, no votes for a politician, and no tenure for academics like me if we tell you the world is getting better." — Joseph Moore   02:14 — Where Joseph starts when people ask him how to get rich, and why most finance books say the same thing in one page 04:19 — The famous "$10,000 in 1929 becomes $10 million" chart, and why it's a lie 06:39 — Becoming a historian: the musket that hooked him at 10, and the 2005 housing bubble he didn't see coming 08:46 — Selling the house right before 2008: "the last two people off the Titanic," and the decision to write the book 11:04 — Confession: "I'm a lefty humanities professor," and why making payroll changes your politics 13:14 — What changed his mind: the American Dream "myth" as unquestioned academic dogma 15:22 — Health insurance runs under 3% margins. Funeral homes and self-storage run 10-15% 17:33 — People have said "you can't get ahead anymore" since 1676 — and a 1984 bestseller predicting the middle class would vanish by 1990 19:52 — The "despair industrial complex" 22:03 — The five things that actually predict getting rich 24:26 — Marriage confounds everything 26:44 — Risk vs. gamble - how do you know the difference? 29:00 — Why index funds are for saving, not getting rich 31:10 — The first investment is in yourself  33:23 — Corporate career vs. entrepreneurship, and the P.T. Barnum quote about dentists 35:11 — Should you "buy a boomer's business  37:33 — Passive income as "financial pornography" 39:45 — How inflation killed real passive income  42:01 — Slow time vs. fast time, and the most boring year in American financial history (1953) 44:06 — Kim Basinger bought an entire Georgia town to build a movie studio. It happened — just decades late 48:45 — Entitlement culture: wages are up 30-50% since the 1970s and nobody believes it 50:56 — The question that stops academics cold: "Where'd you go to high school?" 53:16 — How Joseph actually got rich 1:00:15 — Practical advice if you're 45-55 with $100,000 and feel behind

Geologist Dr. Tim Clarey spent 13 years digging into rock layers from every continent on Earth, and what he found doesn't match what most people were taught in school. This conversation lays out the evidence that confirms the biblical timeline and events. Submit your question to our scientists: https://forms.gle/hAY8RNGHCPee4ZRU8 --- Join ICR's YouTube channel to get access to perks Join us on Patreon ... More...

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Today we're breaking down the biggest lessons from 5 of the most-listened-to podcasts in the world - Jay Shetty, Mel Robbins, Steven Bartlett, Alex Cooper, and Andrew Huberman  and how you can actually use them in your everyday life. Discipline, honesty, habits, boundaries... we're pulling out the real, usable takeaways so you don't have to binge 5 different shows to get them. If you've been wanting an episode packed with tools you can actually apply, this is the one.

She was on track for a career in law, studying at the London School of Economics and interning at some of Singapore's top law firms. But instead of becoming a lawyer, Frances Tan chose to chase music. At just 25, she's represented Singapore at the Commonwealth Song Contest, helped the country win the Public Vote, released her debut EP, published a book, and earned recognition on the international stage. So what made her walk away from a conventional career? And is her story part of a bigger shift in how Gen Z defines ambition, success and fulfilment? On The Agenda, Hongbin Jeong speaks with Singaporean Singer-Songwriter, Frances Tan, to find out more.See omnystudio.com/listener for privacy information.

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.Learn more about OVTLYR: https://youtu.be/TUCbD5KovlcIf you've ever jumped into a breakout trade only to watch it reverse almost immediately, this video is for you. Today we're breaking down one of the biggest debates in trading: are breakout retests really the best entries, or are most traders getting trapped? You'll see a detailed reaction to popular breakout strategies, plus a practical look at order blocks, support and resistance zones, volume, price action, and risk management that can help you make smarter trading decisions.Instead of chasing every move, you'll learn why patience matters, how to recognize stronger setups, and why protecting your capital is just as important as finding winning trades. There's also a great discussion on how OVTLYR tools can help visualize key support and resistance zones so you can trade with more confidence instead of relying on guesswork.✅ Why false breakouts happen and how to avoid them✅ The difference between support and resistance lines versus zones✅ How volume can confirm stronger breakout trades✅ Why the first retest often matters most✅ Simple trading lessons that can improve your decision-makingWhether you're new to trading or already have experience in the market, this breakdown is packed with practical insights you can start applying right away. Watch until the end because one small shift in how you view breakouts could completely change the way you approach your next trade.Subscribe to OVTLYR for disciplined trading strategies that actually make sense.

 Is the 2028 Global Financial Crisis inevitable?    After studying over 200 years of economic cycles and the 18.6-year land cycle, the data points to a massive shift coming for property investors.    In this video, Ben from Pumped on Property breaks down the historical data from the 1800s to today to show you exactly how the 'Winner's Curse' phase works and why 2028 is the date every investor needs to watch.     We aren't just talking about a crash - we're talking about how to thrive in it.    What we cover:    1. The 18.6-Year Real Estate Cycle explained.  2. Why 2026-2027 is the "Winner's Curse" period.  3. The 200+ years of data proving the 2028 GFC.  4. My 3-step strategy to protect your portfolio and buy the dip.  5. Why the "Global Reset" is an opportunity for prepared Aussie investors.    —    Thinking about buying an investment property in Australia in the next 3 to 12 months?     Then book your free strategy session here: https://www.pumpedonproperty.com/free-strategy-session     What can you expect from your free strategy session?    In your strategy session, we will discuss:    1. Where you are right now  2. Where you want to be long-term  3. What's been holding you back from achieving your property investment goals until now  4. Your next action steps     You'll walk away from the call with a clear plan in place and the confidence you need to invest in your next property.    —    

Jump in with us on Talk Cosmos this Sunday 28 JUNE at 1-2pm PDT for “ASTRO JAM MYSTERY CHARTS” Summer Solstice. Get ready for a unique online theatrical experience as we bring to life the dynamic interplay of planetary archetypes!ASTRO JAM involves eight astrologers personifying planets for an unknown ‘mystery' chart to express the chart's cosmic blueprint. Once revealed, everyone discusses how the chart related to the person or event.For our latest weekly episodes, subscribe to our newsletter on talkcosoms.com presented on YouTube, Facebook, radio, and podcasts!AMÉLIE GEBHARD: is a Berlin-based international consulting astrologer, writer, artist, speaker. She hosts a podcast, writes a monthly column for a German magazine.Trained in Psychological Astrology, Evolutionary Astrology, and AstroSynthesis. Certified by German Assn. of Astrologers. TheStarsWeAre.comISRAEL AJOSE: Dipl. Psych. of Astrology at Cntr. of Psych. Astrology, London with Liz Green. Intl. practitioner, consultant, teacher of astrology, tarot, philosophical & esoteric teachings include myth, occult, Kabbalah, shamanism, divination. Combines traditional, mediaeval, psychological, & Vedic techniques. School Certification program. AA 2025 Conf Speaker, Myth & Modernity. Past Pres., Astrological Lodge of London | https://sacredplanets.co.ukJEN SACHS: Certified Astrologer (AFA); Tarot Reader, Consultant, Speaker, Classes. Sunday weekly podcast host of Jen Sachs Astrology. Studied Spiritual Psychology, rooted in modern astrology, Jen incorporates traditional timing techniques. Website: Jensachsastrology.comJOLI KNOTT: Consulting astrologer, Reiki Master, teacher, & transformational coach for Bodhi Mindful. Studied both modern and Hellenistic astrology, now studying medieval Islamicate astrology. bodhimindful.comMARIE O'NEILL, MBA: Evolutionary Astrologer, life coach, & conference & webinar speaker, classes. Founder of Padma Life Coaching. Author of “and the Lotus Opened”. Co-hosts Kepler College YouTube series, “Let's Talk Astrology Business.” Distinguished Toastmaster (DTM). 7-yrs, Board of Dir, TEDx Sonoma Co. Wine Country Speaker member. PadmaLifeCoaching.comROBERT PACITTI: professional consulting astrologer. Specializes in vibrational and psychological techniques. Grand Pendragon in the Ancient Order of Druids in America & Dir. of the MAGUS Druid Gathering in Gore, VA. Co-Director of the Fractal Cosmos Vibrational Astrology Conf. Faculty for Centre for Relationships & Astrology. Consultations focus, Archetypal & Harmonic. Studying Vibrational Astrology with Linda Berry. Publ. Dec 2026, Deep Earth Astrology Tarot deck. Founder DeepEarthAstrology.comSEAN KELLEY: Speaker, Executive, Motivational Leadership. Focus on Digital Business since 1998. Worked with many world astrologers. Instrumental in 2000's driving business for Tarot.com. EvolutionaryAstro.comSUSIE COX: professional astrologer since 1971, interpreting over 55,000 charts. Astrologer 32 years, Canyon Ranch Health Resort; started their Metaphysics Dept, & appointed Master Astrologer, 2006. Authored eight books, including Intl. Directory of Astrologers, sold in 57 countries. Presents workshops in USA & Europe. SusieCox.comSUE ROSE MINAHAN: Evolutionary Astrologer Consultant, Writer, Speaker. Vibrational Astrology Student under Linda Berry, Dwarf Planet Univ. graduate; Kepler Astrology Toastmaster. Wine Country Speakers member. Founder Talk Cosmos, TalkCosmos.com, YouTube @TalkCosmos#TalkCosmos #AstroJam #astrology #SueRoseMinahan #JenSachs #JoliKnott #MarieONeill #SusieCox #RobertPacitti #SeanKelley #israelajose #astrologyofthesoul #PadmaLifeCoaching #DeepEarthAstrology #MagusGathering #Bodhimindful #InternationalDirectoryofAstrologers #SummerSolstice #AméliaGebhard #thestarsareweSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

#entrepreneur #africa #lagos #nigeria your next 100 paying clients: https://sales-scalemate.lovable.app/Join my book club/ Community: https://paulfoh.com/community/Read my newsletter: https://paulfoh.substack.com/Follow me on Linkedin: https://www.linkedin.com/in/paul-foh-60a09720/Follow me on Instagram: https://www.instagram.com/paulfoh/

Over the last eight years of Moonshots, we've explored the work of hundreds of authors, entrepreneurs, scientists, artists, educators, and innovators. We've studied creativity from every angle imaginable. We've looked at the habits of musicians, the methods of filmmakers, the thinking of scientists, the systems of entrepreneurs, and the practices of some of the most creative people who have ever lived.As we prepare to launch a new creativity series on Moonshots, beginning with Steven Kotler's *The Art of the Impossible*, I wanted to pause and reflect on what we've learned so far.What surprised me most wasn't how different these thinkers are. It was how often they arrived at the same conclusions.A legendary music producer, a bestselling novelist, the founder of Pixar, one of history's greatest physicists, an education visionary, and a pair of Stanford design professors all seem to be pointing toward the same set of principles.Creativity is not a gift possessed by a lucky few.It is a practice.It is a way of approaching problems, ideas, opportunities, and life itself.In this episode, I share eight creative practices that have had the biggest impact on my own work as a founder, advisor, podcaster, writer, speaker, software builder, and lifelong learner.The first lesson comes from Rick Rubin and *The Creative Act*. One of the most valuable ideas I've taken from Rick is the importance of showing up early and allowing ideas time to develop. Great work rarely appears on demand. Whenever I'm preparing a keynote, building a product, creating content, or solving a difficult client problem, I start earlier than I need to. I immerse myself in the work and then let it sit. I allow ideas to ferment. Some of my best work has emerged not from pushing harder, but from creating enough space for intuition and imagination to do their job.Elizabeth Gilbert's *Big Magic* offers another powerful reminder. Momentum is more important than perfection. I see perfectionism derail founders every week. They delay launches, delay decisions, delay customer conversations, and delay progress because they want everything to be perfect. The reality is that creative people create. They publish. They ship. They learn. Progress compounds. Perfection delays.Austin Kleon's *Show Your Work* reinforces this principle. Big achievements are usually the result of many small outputs shared consistently over time. Moonshots itself is a perfect example. The show didn't grow because of one viral episode. It grew because Mark and I showed up repeatedly for years. Small contributions, delivered consistently, eventually become meaningful bodies of work.Walt Disney reminds us to dream first and judge later. Too many ideas are destroyed before they have a chance to grow. Whether it's our own self-talk or feedback from others, premature judgement can suffocate creativity. Disney's genius was creating environments where imagination could run free before practicality entered the conversation. Creativity often requires us to suspend disbelief long enough to discover what might be possible.Ed Catmull, in *Creativity, Inc.*, extends this idea even further. He argues that unfinished ideas need safety. Great ideas rarely arrive fully formed. They emerge through discussion, experimentation, and collaboration. Teams that create psychological safety unlock more creativity because people feel comfortable sharing incomplete thoughts. Innovation depends on creating environments where ideas can evolve rather than be evaluated too early.Ken Robinson's work on *The Element* introduces one of my favourite questions. Rather than asking what your passion is, ask yourself what feels good. What activities energise you? What work absorbs your attention?

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Awarded the Medal of the Order of Australia for his contributions to plastic and reconstructive surgery, Dr Dilipkumar Gahankari has combined a distinguished medical career with more than two decades of humanitarian service. From providing free surgeries to tribal communities in India's Melghat region, a place by his own account is "hard to find on map," to responding to major disasters and emergencies in Australia and Asia, he reflects on the experiences that shaped his commitment to service and the impact of healthcare beyond the operating theatre.

JOIN HAMPTON:These episodes often come directly out of conversations happening inside Hampton, a private community for founders and CEOs with $3M+ in revenue or $10M+ exits. Members range from $5M net worth to billions. They wrestle with these same questions off the record. Apply at http://joinhampton.com/mw.HOW FOUNDERS ARE BUILDING WEALTH:How much do founders actually make, spend, invest, work, and keep in net worth? Hampton surveyed founders directly and put the answers into one report. Download it for free here: https://joinhampton.com/mw-wrEPISODE DETAILS:Most founders spend years learning how to make money. Almost none of them prepare for what their brain does once they have it.Henrik Cronqvist is a behavioral finance professor who trained under Nobel laureate Richard Thaler and has spent 25 years studying exactly that. His research has been cited over 7,000 times. He has studied 38,000 people to answer one uncomfortable question: how much of the way you save, spend, and invest is actually hardwired into your DNA?The answer will change how you think about every financial decision you make after an exit.This episode covers the science behind why the traits that made you a great founder may work against you as an investor, what actually happens in your brain the day the wire hits, and the one thing Henrik says every founder should do before making a single investment.TIMESTAMPS:00:00 — The traits that made you a great founder will make you a bad investor 01:45 — What is behavioral finance and why should founders care 04:35 — How Henrik got into this research (the Stockholm subway story) 06:39 — The 38,000 twin study: how much of your money behavior is genetic 10:56 — The first thing to do when the wire hits your account 12:49 — Loss aversion, performance chasing, and home bias explained 20:35 — Your personal mortgage predicts how you'll run your company's finances 30:08 — Why your brokerage app is designed to work against you 37:07 — Why founders feel depressed after selling (the science behind post-exit emotions) 47:14 — "I think I'm the exception" — and what the data actually says about that

Most people ignore this, but they really shouldn't... This reveals the #1 cause of social anxiety! More @ https://julien-himself.com Connect with Julien: Watch the episodes on YouTube Go deeper with Julien's online courses Follow Julien on Instagram Julien's TikTok Work with Julien directly

Send us Fan MailC4 Leaders – the ONLY nonprofit to utilize the pizza making process to create space for our companions to be seen, heard, and loved.   We work with businesses, sports teams, hospitals, churches…anyone looking to RISE TOGETHER.  We also write children's books and use the most amazing handmade, hand-tossed, sourdough pizza to bring out the best in each other.   Please check out c4leaders.org to support our important work. Season 6 Episode #17 LeAnn Flores is coming from Tampa, Florida.You can find LeAnn via her website vecinacafe.comLeAnn grew up in a home filled with unconditional love, laughter, sacrifice, and strong values. Her parents, who were youth pastors and hard-working young parents of four, modeled leadership not through titles, but through their actions. From them, LeAnn learned that true leadership is grounded in service, compassion, and unwavering commitment to others. These early lessons planted the seeds of purpose that would eventually grow into her lifelong mission.Inspired by the love and unity of her childhood neighborhood, LeAnn set out to create a space that would embody those same values: connection, mentorship, leadership, and love. A place where everyone—no matter their background—could find belonging, build relationships, and grow together.Those feelings, those principles, those values, and LeAnn's deep roots inspired her to create The Vecina Café – a nonprofit built by the community for the community.  The Venica Café's programs are dedicated to empowering individuals to achieve their personal and professional goals.  Through targeted training, mentorship, and support, The Café helps participants build confidence and skills to unlock their full potential…leading to fulfilling lives.TOTD – “Leadership is about empathy. It is about having the ability to relate to and connect with people for the purpose of inspiring and empowering their lives.” Oprah WinfreyBuild a habit - to create intention - to live your purpose!In this episode:Let's talk family and culture…guat-rican…What was life like growing up?Studied at USF with course work in the public relations and advertising fields..first generation….Parents have given you many gifts…which ones stand out the mostDadz in Motion program…is that where your nonprofit career startedPathway to SuccessFuture Film…DEAR FUTURE ME…Feeling you get when one of your former members…comes back and tells you how good life is…Plans for the future…Books you recommend?Legacy   

Most people ignore this, but they really shouldn't... This reveals the #1 cause of anxiety! More @ https://julien-himself.com Connect with Julien: Watch the episodes on YouTube Go deeper with Julien's online courses Follow Julien on Instagram Julien's TikTok Work with Julien directly

This week's Excess Returns Weekly Wrap breaks down the biggest investing lessons from our conversations with Cliff Asness, Andy Constan, Gene Munster, Doug Clinton, and Ben Carlson. Jack Forehand and Matt Zeigler discuss volatility, bubble regimes, AI infrastructure, private equity risk, investor behavior, and why doing nothing is often harder than it looks.Main topics covered:Cliff Asness on why volatility is not a perfect risk measure, but still matters for real investorsThe limits of defining risk only as permanent loss of capitalAndy Constan on why bubbles can feel low risk because they trend with low volatilityHow leverage, confidence, and investor behavior can inflate bubble regimesGene Munster and Doug Clinton on AI, electricity, data centers, hyperscaler CapEx, and energy demandWhy AI infrastructure constraints may affect whether the AI boom becomes a classic bubbleBen Carlson on Shark Week, vivid risks, and why investors often fear the wrong thingsCliff Asness on private equity, volatility laundering, and the illusion of smooth returnsAndy Constan on what active investors should do in bubble regimes and why mean reversion can failDoug Clinton and Gene Munster on AI job disruption, knowledge workers, and how to adaptBen Carlson on action bias, penalty kicks, and why doing nothing can be the hardest investing decisionTimestamps:00:00 Intro and the week's biggest investing clips03:37 Cliff Asness on volatility, risk, and permanent loss of capital10:16 Andy Constan on why low volatility can make bubbles more dangerous20:41 Gene Munster and Doug Clinton on turning electricity into intelligence25:11 Why AI power constraints may change the bubble debate30:39 Ben Carlson on Shark Week, vivid risks, and investor attention35:44 Cliff Asness on private equity and volatility laundering43:42 Andy Constan on alpha, sizing down, and trading in bubbles50:06 Doug Clinton and Gene Munster on AI, jobs, and knowledge workers57:55 AI blind spots, token subsidies, and old tech investing frameworks59:58 Ben Carlson on penalty kicks, action bias, and doing nothing01:04:45 Quant lessons in sports, the Knicks, and closing thoughts

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Ben Carlson joins Excess Returns to discuss his new book Risk and Reward and the biggest lessons investors can learn from market history. We cover how to think about risk, inflation, market timing, bear markets, lost decades, diversification, compounding and why surviving volatility is the key to building long-term wealth.Ben's Bookhttps://amzn.to/4dFHsQzBen Carlson on Xhttps://x.com/awealthofcsBen's Bloghttps://awealthofcommonsense.com/Main topics covered:Why risk is hard to define and always involves trade-offsHow vivid risks like sharks and headlines distort investor decision-makingWhy doing nothing can be one of the hardest parts of investingHow inflation should be viewed through personal finance, human capital and long-term investingWhy stocks can be an inflation hedge even if they struggle during inflation spikesWhy waiting for the market coast to clear often failsWhat the world's worst market timer teaches about saving and staying investedHow loss aversion shapes investor behaviorWhat the Great Depression, bear markets and 30-year returns teach about long-term investingWhy there is no perfect portfolio and the best strategy is one you can actually stick withTimestamps:00:00 Ben Carlson on why risk and reward are attached06:35 Doing nothing, action bias and better investing behavior11:51 Inflation psychology and lessons from the 1970s16:55 Why stocks can hedge inflation over the long run21:07 Why waiting for the coast to clear is a market timing trap26:30 Time horizons, loss aversion and portfolio behavior31:49 Government rescue, left-tail risk and unintended consequences35:54 Recessionary vs non-recessionary bear markets42:09 Why the stock market and economy can diverge47:24 Why compounding is about holding, not trading51:37 Starting valuations, lost decades and future returns55:40 Risk, reward and the biggest lesson for investors

Why do patients refuse statins backed by decades of data in millions of people yet eagerly inject peptides tested in fewer than 20? Emergency medicine physician and longevity practitioner Vikas Patel confronts this paradox head-on. In this episode, based on his KevinMD article "Why the FDA regulations on peptide therapy matter," he breaks down what compounds like BPC-157 actually promise, what the evidence really shows, and why the gap between anecdotal hype and clinical proof should concern both physicians and patients. You will learn how the erosion of trust in medicine through the COVID years fueled demand for unregulated therapies promoted on podcasts and social media, why physicians who take an absolutist stance risk pushing patients further from reliable guidance, and how reframing long-term statin data dramatically changes the risk conversation. Patel also shares his practical approach to meeting patients where they are without compromising scientific integrity, and why he believes at least a handful of popular peptides will eventually prove their worth if anyone bothers to study them. If you want to have smarter conversations with patients about peptide therapy and rebuilding trust, press play. Tune into our episode "2026 Cholesterol Guidelines: LDL goals, lipoprotein(a), and coronary calcium scoring," brought to you by Novartis Pharmaceuticals Corporation. For the first time in eight years, LDL cholesterol goals have changed, and preventive cardiologist Seth Baum says the new guidelines are a long-overdue course correction. He breaks down the new LDL targets for your highest-risk patients, why the LDL hypothesis should be retired in favor of the LDL fact, why lipoprotein(a) screening finally belongs in every patient's workup, what a coronary calcium score over 300 really means for how aggressively you treat, and how to talk to statin-skeptical patients without losing their trust. Listen now at KevinMD.com/cholesterol. VISIT SPONSOR → https://kevinmd.com/cholesterol Partner with me on the KevinMD platform. With over three million monthly readers and half a million social media followers, I give you direct access to the doctors and patients who matter most. Whether you need a sponsored article, email campaign, video interview, or a spot right here on the podcast, I offer the trusted space your brand deserves to be heard. Let's work together to tell your story. PARTNER WITH KEVINMD → https://kevinmd.com/influencer SUBSCRIBE TO THE PODCAST → https://www.kevinmd.com/podcast RECOMMENDED BY KEVINMD → https://www.kevinmd.com/recommended

The future of war has been evolving before our eyes in Ukraine, yet the west still plans to fight the last war. In this special episode, guest host Noah Smith (@noahpinion) and Brandon Anderson sit down with Yaroslav Azhnyuk (@YaroslavAzhnyuk), a serial tech founder who went from building PetCube to founding The Fourth Law, one of the world's most advanced AI-guided drone companies. Over two hours we cover the technology, tactics, and geopolitics of drone warfare, and why the modern battlefield has already left the West behind:* Yaroslav's personal history and the Ukraine war [00:01:04 – 00:14:01]* The modern drone tech stack: why FPV drones are the new god of war, the future of the rifleman, fiber optic vs. AI, five levels of autonomy, and the eight dimensions of the autonomous battlefield [00:14:01 – 01:05:13]* The geopolitics and economics of drones: China's manufacturing advantage, the drone race, Western defense readiness, countermeasures, and why the gap is widening [01:05:13 – 01:58:57]For those looking for Noah Smith's commentary, it really gets going around the 00:51:31 mark.Yaroslav Azhnyuk / The Fourth Law:* X: https://x.com/YaroslavAzhnyuk* LinkedIn: https://www.linkedin.com/in/yaroslavazhnyuk/* The Fourth Law: https://thefourthlaw.aiNoah Smith:* Substack: Noah Smith * X: https://x.com/noahpinionTimestamps00:00:00 Cold Open: China's 4 Billion Drones and the Cameras-to-Explosives Pipeline00:01:04 Introduction: Brandon, Noah Smith, and Yaroslav Azhnyuk00:05:41 From Tech Entrepreneur to Defense: PetCube, Brave One, and the D3 Fund00:10:42 The Ethics of Building Weapons: Dual-Use Technology and the Wolf at the Door00:14:01 The Tech Stack: Cameras, Autonomy Modules, Interceptors, and a Semiconductor Fab00:18:47 Fiber Optic vs. AI: The Radio Horizon Problem and $32/km Cable00:25:32 FPV Drones: The New God of War — 70–80% of Frontline Casualties00:28:28 The Five Levels of Drone Autonomy: From Terminal Guidance to Full Autonomy00:41:37 The Eight Dimensions of the Autonomous Battlefield00:45:32 AI Safety and the Morality of Autonomous Weapons00:51:31 The End of the Rifleman? Noah's 2013 Prediction vs. Battlefield Reality01:05:13 China's Manufacturing Advantage and Western Vulnerabilities01:24:21 Policy Advice for Western Defense: Defense Valley and the Widening Gap01:32:54 The Drone Race: Who's Ahead, Category by Category01:41:57 Countermeasures: Shotguns, Jammers, Lasers, and Fishnets01:58:19 The Wedding and Final Takeaway: Be Prepared for WarTranscriptCold Open: China, FPV Drones, and the New Warning SignYaroslav [00:00:00]: Think about this. Last year, Ukraine produced 4 million FPV drones. Ukraine is not the most industrious nation in the world. China can produce 4 billion of these FPV drones.Noah [00:00:10]: Would you say that right now China is now the supreme conventional military power on Earth, given its ability to manufacture and deploy drones in the quantity and quality that you just described?Yaroslav [00:00:20]: I don't think we have all the information to claim that but we cannot count it out, and that alone should be a big warning sign. As I say, at some point in my life I went from making cameras that fling treats to pets to cameras that fling explosives to the occupiers. So that's the short story. And when you think about what your nation, what your patriots are going through, you realize that's the only morally right thing to do is to fight back, and it is immoral not to fight back, and then the choice becomes very clear.Introduction: Yaroslav Azhnyuk, Petcube, and the Last Flight into KyivBrandon [00:01:04]: Welcome to Latent Space. I'm Brandon. I normally do science podcasts, but today we're going to do something a little bit different. I'm joined by Noah Smith of Noahpinion on Substack and Twitter. And he has lots of interesting things to say about drones. And as a guest, we have Yaroslav Azhnyuk, founder of The Fourth Law and several other, drone-related startups. To get started, it is February 23rd, 2022. You are running a pet startup. You're connecting pets with their owners. Let's go in just a little bit of background. How did you get started in tech, and what were you working on before the Ukrainian war started?Yaroslav [00:01:50]: Good to be here. Thank you. On February 23rd, late in the evening, 11:00 PM Kyiv time, my wife and I landed in Kyiv. Actually, then she was a fiance. We came from Lviv, where we were looking at a church, where our wedding should have taken place. And we got into this cab ride from the airport to our home, and the driver was like, “You crazy. Like, everyone's leaving Kyiv. Why do you come?” We're like, “What? Nothing's going to happen. Dude, chill.” And then obviously, eight minutes later, or eight hours later, the bombs fell in the city. It was quite surreal. We probably landed on the last flight that landed in Kyiv, or one of those last flights. My background, I'm a tech guy. Studied applied mathematics in Kyiv Polytechnics, born and raised in Kyiv. My parents are old PhDs from academia, and grandparents too. Like, everything, from linguistics to nuclear physics. And I'm an entrepreneur, so I've built a bunch of companies. Petcube is the one you were referencing. So I lived in San Francisco 2014 to 2020, building Petcube, which is one of the leading, pet device companies in the world, selling lots of pet cameras. And then, yeah, as I say, at some point in my life I went from making cameras that fling treats to pets to cameras that fling explosives to the occupiers. So that's the short story.February 24th: Leaving Kyiv as the Invasion BeginsNoah [00:03:28]: February 24th, I guess a few hours after you, go to check out your wedding chapel, what do you do?Yaroslav [00:03:37]: We had a plan for this situation. So my parents and family live in Kyiv, and we're like, “Okay, this has actually started. The worst has, come true.” And so we basically packed our belongings and got in the car and spent 17 hours driving west. And that was pretty sure most people in our audience watched at least one apocalyptic movie in their life, so that was exactly like that. Like, felt exactly like that. Missiles are falling. Like, there was smoke in Kyiv. Like, my dad and I went, like, to central part of the cities. It's probably, likeYaroslav [00:04:20]: 800 meters from presidential office, to pick some stuff up at his workplace. Because he's, like, the head of an academic institution, so he had to get some of the things with him. And super surreal. Like, the streets are empty. Like, the gas stations are out of gas. Like, we found some gas station. We didn't have, like, spare canisters with us, so we're like, We figured out, like, the car was diesel, so like, we figured out, if it's diesel, you can actually store it in plastic, canisters, and we bought some window wash for the cars. We poured it out of the canisters, and we poured the diesel into that. Yeah, so it was like that. And then, like, helping friends get out, like my friend and his dog. Like, we found Like, my brother was also, like, riding in a separate car. We found a place for my friend who didn't have a car. It was like, yeah, it was like, totally surreal. And we didn't know of course, and you didn't know this will last for so long. You didn't know whether Ukraine will be able to defend Kyiv. And it was like, yeah, very little information and very little insight into future.From Pet Cameras to Defense Tech: Building for Ukraine and the Free WorldNoah [00:05:42]: What are your thoughts with regards to how do you, defend, Ukraine? So you eventually start building drones Like, what is the process to get from there from where you were building, devices that connect owners with pets to building drones, and what other things did you do to help the war effort in the process?Yaroslav [00:06:07]: It's definitely non-trivial, right? Like, I didn't go, to I didn't get any, like, military education when I was a student. Like, normally, in Ukraine, you would, you would go to like, this military school even if you're getting higher education in any other, sphere. I decided to skip that which is like, an unusual way to go. And I never thought that I will be somehow engaged in a war effort. Like, what is war? Of course, wars are over. It's the end of history. So one thing you got to understand about, like, many Ukrainians and like, I guess, it's also true about most of the people I met here in the US, that your who you are in terms of your nationality is a big part of your identity. So when that gets under attack, it's something deeper than just the country you live in gets under attack, right? And I Day one, I figured I'm going to I'm going to fight back with everything I can, right? But I didn't think on day one that I'm actually going to do, weapons. And a bunch of things. We were reaching out to a number of American, congresspeople and senators, and basically advocating for support of Ukraine, for voting for lend lease, which has happened in May 2022, but didn't actually work as expected. We helped start, Brave One, which is now a very important defense innovation cluster, sort of like a DIU here in the US. We helped start, a fund called D3. It's like, it was started or co-started by Eric Schmidt, former CEO of Google. So a bunch of these odd things, but then eventually I was like, “Okay,”by 2023 it was obvious this thing, A is going to last a lot more time, and B, that the whole world is shifting and that there's going to be a new arms race, that the warfare is redefined by drones as platforms. And for the first time in history, you have a platform that is software defined, that can increase your battlefield capabilities, in a in a step change just overnight. So it's like if you were able to push a software update and get all of your Roman legionnaires a new helmet? That has never been possible before. It's the first time in the history of war this is possible. So all of that and many other things like, supply chain fragilization, and the impact that AI is going to have on all of this all these things have become evident to me in 2023, and it's like, “Okay, I should do what I do best, or what I know how to do best, start a tech company, and sort of leverage the global techno capitalist machine, to provide, defensibility to Ukraine and the free world.” So that's literally the mission of the company, increase defensibility of Ukraine and the free world. And then there was some sort of soul-searching and like, asking yourself. It's like, “Okay, am I Actually, I know nothing about weapons. Am I actually, like, ready to make, things that other people use to kill other bad people?”Yaroslav [00:09:36]: When you think about what your nation, what your Compatriots are going through And think about all the terror of places like Bucha, the occupied cities in the east and south, the abducted children, the raped women, all the economic damage that's being done, and the intention to destroy a whole nation, to genocide the people of Ukraine, you realize that's the only morally right thing to do is to fight back, and it is immoral not to fight back. And then the choice becomes very clear. And look, we're just passing the ammunition. We're not doing the actual job. The actual fighters and defenders and heroes are people in the armed forces. We're just support.The Moral Question: Weapons, Responsibility, and Fighting BackNoah [00:10:33]: I have so many questions. Actually, I know you seem to have a question. Do you want to ask anything?Yaroslav [00:10:38]: No, I'm just listening. Go ahead.Noah [00:10:40]: I do want to talk about, some of let's say, the moral issues, like you just said. You endYaroslav [00:10:50]: I think there are no issues there.Yaroslav [00:10:52]: What would an example of a moral question be in this case?Noah [00:10:55]: No, I mean Okay. As you just said, you are creating the tools, but others are using them.Noah [00:11:05]: I was maybe thinking of having this conversation later, but one of the questions is like, is it actually you are going to be building them for your homeland, which you are building it for your homeland, which is I think, very a strong morally defensible position, but this technology is not going to stay with you, right?Noah [00:11:26]: This you will probably be selling these to other people Yeah. So the future is really where the moral issues may come into playYaroslav [00:11:38]: The this question becomes, easier and more complete if we ask this not about a particular technology or particular weapon, if we think that this question actually applies to any kind of technology Right? So -Knife or fire. You can use knife to do surgery and save people's lives, or you can use it as a weapon to take people's lives.Noah [00:12:06]: Cut tomatoes, too.Yaroslav [00:12:08]: Cut tomatoes too.Noah [00:12:09]: Yes, knife.Yaroslav [00:12:09]: That's helpful.Noah [00:12:10]: In Japan, sword and knife, they, call the same word.Yaroslav [00:12:14]: It's like, it's with any technology. Large language models, right? Look at how powerful they are and yet they're available to anyone in North Korea or in Russia.Yaroslav [00:12:29]: That's one side of the argument. The other side is As a maker, what is your responsibility for how the tools you're creating, will be used? There's definitely some responsibility, right? Then How should the decision process look like? Should you, like, try to calculate all the possible scenarios before starting to work on something? Or do you create something that is needed now to save people's lives, and then think about, addressing the unwanted edge cases later? In ideal world where there's like, or okay, it's not ideal world. In a mythical world where there is some one governing party and it gets to decide everything, and there is no other country, that can, decide on their own, you could say, “Well, we need to calculate for all the consequences, and only then, maybe build this building, by replacing this park because, maybe we need this park in the city,”right? So that kind of situation. But when you're in a situation where you're in a forest, in front of a wolf, you first going to deal with the wolf that wants to eat you, and then you're going to go consult Greenpeace. So that's kind of situation that Ukraine is in.The Fourth Law, Odd Systems, and Ukraine's Drone StackNoah [00:13:59]: Enough. Because this is a tech podcast, I did want to spend some time talking about, sort of the tech in that you've developed and what you've been working on. So can you explain, I guess, first of all, like, the problem that you were trying to solve from a technical standpoint? And I think, and then maybe, like, go into some of the solutions and some of the design process that led you from designing, little laser-guided, guiding lasers with a with an iPhone versus Having drones.Yaroslav [00:14:34]: Like, it so happened, that my partners and I, we sort of So I started one company called The Fourth Law, and its goal was and is to Make, massively scalable on-drone autonomy. And then In parallel with that together with my, Petcube co-founders, partners, and friends, we started another company called Odd Systems Which, was focused on making thermal cameras. Cameras, thermal cameras are seeing thermal radiation and are used to see at night. And we're now sort of those companies are getting closer and closer together and we're probably going to merge them. And this group of companies is currently the leading, team in on-drone AI and thermal imaging on the Ukrainian battlefield, and Likely one of the leading, if not the leading in the world. So We have these, like, three sort of business units, which are cameras, drone autonomy, and drones. So the cameras and drone autonomy sell daytime and nighttime cameras and different types of drone autonomous modules to other drone manufacturers, over 200 drone manufacturers in Ukraine. And then the UAV, business unit sells the drones themselves to the armed forces of Ukraine, Ukrainian government. And there are different types of drones. Those are sort of front strike, as we call them, so those are sort of FPV strike drones and the bombers, and then interceptors. And there are different kinds of interceptors. We do Shahed interceptors and we do ISR interceptors. We don't do the deep strike-FPV Drones, Interceptors, and Battery-Powered WarfareNoah [00:16:32]: What's an ISR interceptor?Yaroslav [00:16:33]: ISR is stands for intelligence, surveillance, reconnaissance, and those are basically drones which are which, Russians are using to watch over positions and then communicate where, the targets are coming.Noah [00:16:48]: It's a reconnaissance.Yaroslav [00:16:48]: That's, the ISR is sort of a classical term for a for a reconnaissance drone.Noah [00:16:53]: Are all of these battery-powered drones that you just described? ‘Cause I know that the sort of deep strike drones still have, like Some sort ofYaroslav [00:17:01]: Internal combustion engine?Noah [00:17:02]: Internal combustion engine. Are all the things you're talking about battery-powered?Yaroslav [00:17:06]: What we're working on is all battery-powered, right? We don't do the deep strikes, right? And then in terms of autonomy-Noah [00:17:12]: You can catch a Shahed with a battery-powered thing. It's not Fast to catch.Yaroslav [00:17:17]: No, absolutely. Look, Shahed interceptor, like ours, it's called Zero, it goes up to 326 kilometers per hour.Noah [00:17:26]: For reference, how fast is a Shahed?Yaroslav [00:17:28]: Eight, like, in internal phase it could be 280, but in cruise phase it's, like, 220-ish.Yaroslav [00:17:36]: Yeah. And sorry, I'm not like you can convert that into miles if you're interested.Noah [00:17:41]: No, that's fine.Noah [00:17:41]: Multiply by two thirds or point six or something.Yaroslav [00:17:44]: That's easy. Yeah, I was saying that for autonomy modules, right, we, -We make systems, autonomous systems for frontline, for interceptors and some for deep strikes as well, and then different levels of autonomy. So from terminal guidance, which is like lasts 500 meters, give or take, to autonomous bombing, to autonomous target detection, to autonomous navigation and all of that across day and night, different terrains, different time of the year, different platforms like quadcopters and fixed wing, and maybe some other platforms. So it's quite a wide variety of products. We also have like our own simulation. We have our own training school for the war fighters. And we're about to start construction of two, semiconductor plants to make, sensors for thermal cameras. So that's super exciting for me as a computer science guy is Doing semiconductors. Super cool.Noah [00:18:49]: Like in terms of kind of core drone technologies, you basically are one is an FPV replacement without fiber optics, and the other isYaroslav [00:18:59]: YouNoah [00:18:59]: Signal tracking with interceptorsYaroslav [00:19:00]: With or without fiber optics. Fiber optics Is just like, sort of a communication module.Yaroslav [00:19:05]: You can, you can use classical analog, video link and radio link. Those would be two separate radios. You can do digital, or you can do fiber optic, and then fiber optic Has its own advantages but also adds weight and decreases, the distance and decreases, how fast you can, sort of turn and With a drone. Yeah.Noah [00:19:33]: Do you need AI for fiber optic drones?Yaroslav [00:19:36]: Like you can use AI for fiber optic drones. AI replaces a human, right? Fiber optic is making your communication link more resilient. So those are slightly different goals. Like if you want, you can have, AI controlling hundreds of fiber optic drones instead of having 100 operators for each.Fiber Optics, Radio Horizons, and Terminal GuidanceNoah [00:20:03]: I guess I thought that the key reason that people moved to fiber optic drones was for like electronic, countermeasures. Or I guess to counter those.Yaroslav [00:20:13]: I think that's a correct assessment from sort of a public awareness standpoint. In practice it's somewhat more difficult Because besides electronic countermeasures, you have these issues of a radio horizon For FPV drones, which means that asYaroslav [00:20:36]: I believe Earth is round Some people disagree. But basically if you fly a drone and you have a land station over here and a drone flying over hereYaroslav [00:20:49]: If your drone is flying high, you have good direct radio visibility. If your drone goes low, and usually, Russian infantry and vehicles, they're on the ground and you want to hit them, you need to go low. Lower you go, maybe you'll get behind a hill or behind a forest, and if you're far enough, you'll just get behind the curvature of the earth. You get into what's called a radio shadow. And then That is a real bummer because for the last, be it 60 or 20 meters, you won't be able to see anything and it will be very difficult to hit the target. So to counter that what-- And then the distances that these FPV drones, act on they're, they can be quite large. So for example, here in the US there was this drone dominance program competition, and in drone dominance the furthest distance was about 10 kilometers.Noah [00:21:44]: What was drone dominance? What was that competition?Yaroslav [00:21:47]: Drone, the drone dominance is a is a program started, by the US government, to accelerate the development of drone technology here in the US.Noah [00:21:57]: Got it. And the longest range thing they were using was 10 kilometers.Yaroslav [00:22:00]: Was 10 kilometers, right. In Ukraine, like if your drone doesn't fly at least 20, 25, it just, no one's interested in it, and the usual hits are happening. It was like, okay, many hits are happening between 30 and 40 kilometers, and that's what expected from a regular 10-inch, FPV drone. So at that distance, even at altitudes of like 60 to 100 meters, you might start losing, the link. So some of the earlier AI technology that was fielded in FPV drone was this terminal guidance technology. That was the first product that we ever, launched that helped you as an operator, once you see the target from two, three, 500 meters, you lock onto the target and then, it just, drives the drone towards the target no matter what, even after you lost the visual connection. So optic fiber solves that. However, if you want to go like 20 kilometers with optic fiber, that will add an extra three kilos, of useful weight to your drone. SoNoah [00:23:12]: ‘Cause the cable that you have to unspool as you go weighs.Noah [00:23:15]: It is heavy.Yaroslav [00:23:15]: At first, like the spool is about 800 grams, so a bit less than a kilo, and then, and then think about 10, 10 kilometer optic fiber is another kilo, something like that. That takes away from your useful mass and then now you have like, you need a 15-inch drone and it can only carry maybe one or two kilos of explosives if you want to go, 20 kilometers. If you want to go to 30 or 40, like 30 is probably max. 40 is like very problem problematic on optic fiber. And then the problem with optic fiber is it's actually getting super expensive. So and why? Because of all the data centers for AI. That's literally the same optic fiber-Noah [00:24:01]: We're running out of centersYaroslav [00:24:02]: That's being used there.Yaroslav [00:24:02]: Like when Ukrainians and Russians come to Chinese factories to buy the optic fiber, they're like, “We're out. We sold it out to the Americans.”? That's the craziest thing. So optic fiber went up in price from like, $4 per, kilometer to like, $32 per kilometer in a few months in the beginning of this year. And I'veBrandon [00:24:26]: Claude Code is stopping the Russian drone effort here.Yaroslav [00:24:30]: Ukrainian as well. Yeah.Brandon [00:24:31]: Ukrainian. But I read somewhere that the Russians had grown more dependent on fiber optic drones relative to the Ukrainians, and that's one reason why the Ukrainians have sort of regained the initiative in drones recently.Brandon [00:24:42]: How accurate's that?Yaroslav [00:24:43]: The Russians were the first ones to scale that. I think by as of now, Ukraine has caught up. I think, like, as of maybe three months ago, Ukraine is mostly caught up on fiber optic. Yeah.Brandon [00:24:57]: What percent of damage would you say is in terms of FPV drone damage would you say is now fiber optic versus, like autonomous?FPVs as the New God of War: Tanks, Artillery, and Cost per KillYaroslav [00:25:07]: For our, for our audience, I actually, I cannot answer that question. Like, it's like I know the answer, but I would not disclose that. But for our audience, I think another interesting fact is out of all the casualties on the front line Between 70 and 80% are done by FPV drones.Brandon [00:25:30]: FPV drones are the new weapon of universal weapon of warfare.Yaroslav [00:25:34]: It'sBrandon [00:25:35]: Land warfare, anywayYaroslav [00:25:35]: They used to say that artillery is a god of war because artillery used to cause, like 80% of casualties, and now On that ranking-Brandon [00:25:46]: FPVYaroslav [00:25:47]: FPV drones rule.Brandon [00:25:48]: FPV drones are the god of war.Yaroslav [00:25:51]: Sort of. Dethroned artillery. But it's not to say that artillery is not useful, is not needed. Like, all of these systems are needed. Maybe except cavalry, although Russians still use it. I know, have you seen the videos of Russians using mules and horses?Brandon [00:26:09]: What is the usefulness-Yaroslav [00:26:10]: It'Brandon [00:26:10]: Of a tank in the in the modern-Yaroslav [00:26:11]: That's where we need Greenpeace to say a word, but they're silent. Yeah.Brandon [00:26:15]: What's the use of a tank on the modern battlefield?Yaroslav [00:26:21]: It's diminishing.Brandon [00:26:22]: Diminishing.Yaroslav [00:26:22]: However, I think there might be technologies which will, revive the tank. Look, tank still provides you armor, and armor is important. Like, you still need to armor and firepower, right? Like, you can be an armor personal carrier that provides you, armor. The challenge that currently exists is armor is not very well protected against incoming drones. However, there are ways to do to protect it. We were previously talking about this before the podcast. The CEO of Rheinmetall, recently sort of ridiculed, Ukrainian drone industry, saying that like, there is nothing interesting there, no real innovation, no to stand Compared to like, Rheinmetall or Boeing, and it's all made by housewives. There was like, obviously a ton of memes about this people ridiculing the CEO of Rheinmetall. And one of the best quotes, I heard on this topic is from my friend, Alexey Babenko, who's, the head of and founder of VIARI Drone, which is one of the largest manufacturers of FPV drones. They're our partner. They're using our autonomy. So he said that the drones we manufacture in one day will be more than enough to destroy all the tanks Rheinmetall manufactures in a year.Yaroslav [00:27:52]: Then, yeah, cost-wise, of course, a drone is like, $500 and a Rheinmetall tank is what, probably 5 million-ish or maybe more.Brandon [00:28:00]: Don't mess with those housewives.Yaroslav [00:28:03]: Drone wives.Brandon [00:28:04]: Drone wives.Yaroslav [00:28:06]: That's it.Noah [00:28:06]: There's a classic saying that everyone always fights the last war.Noah [00:28:12]: Yet do How did So from your standpoint, how did we get to the point where tanks became irrelevant in at least for now In a matter of just a few years?Yaroslav [00:28:24]: Look, I think it's the same way, how do we get to the point that calculators become irrelevant?Yaroslav [00:28:31]: Now we have iPhones. Like, why would you need a calculator? Technology progresses and its influence grows non-linearly. It's all exponential. So I can tell you that full autonomy, when you put it on a drone Look, so if you, if you think about a tank and a like, it's not a direct comparison, but even, like, a drone and a artillery shell or like, sort of cost per kill, an artillery shell for 155 caliber, which is a standard NATO caliber Currently market price is about $4,000 per piece. So compare that to say, $400 per drone. That's 10 times more expensive. Account for the amortization of the artillery gun and for how vulnerable it is and what is the sort of tactical, capabilities it gives you as compared to a drone. You'll figure out that an FPV drone is maybe three orders of magnitude, more versatile, more useful, more capable than artillery and many of than a classic artillery. Many of Because there are different types of artillery. Not just, like, one 155. You have mortars, you have all that. But give or take, roughly three orders of magnitude maybe. Again, it doesn't have that firepower. It's not one-to-one comparison still.Yaroslav [00:29:53]: Now, take that FPV drone. When you put full autonomy on that FPV drone, which can be not very expensive, like systems that we're, producing are like, in hundreds of dollars of pure bombFull Autonomy: From Human Pilots to Smartphone-Directed Drone MissionsNoah [00:30:06]: Just interrupt. You said full autonomy Just a second ago you were saying that the autonomy here is guidance, right? It's not decision-making.Yaroslav [00:30:14]: No, I was I was saying that's the f-First and sort of easiest pieces of autonomy that was fielded by us. But if you, if you add full autonomy to a droneBrandon [00:30:24]: He, I think he's asking what does it can you, for the listeners, can you explain What the term full autonomy means?Yaroslav [00:30:29]: Basically, I think a good way to think about an FPV drone is like an iPhone of warfare. It's, like, very inexpensive, very mass producible, very versatile. You don't need a bunch of other things when you have a iPhone in your pocket. You don't have, need an MP3 player, you don't need a calculator, don't need other things. All right? So FPV drone is an iPhone. Or like, okay, Apple please don't sue me, is a smartphone. And then, when you add autonomy to it sort of becomes like Uber or ride sharing. Okay? So what it means is instead of actually being a trained pilot who has this complex remote controller device which requires a couple months of training to actually pilot the drone, and then having to pilot it for 30 minutes, flying towards the target, et cetera, et cetera, now you basically, you have your smartphone, you have a drone, you pick your smartphone, you say, “We are here. The bad guys are here. Go and get them.” And the drone goes up, flies in a given direction, localizes itself on the map, finds the dedicated area where they, the bad guys are supposed to be sees the bad guys, bombs them, return, like, watches, so does a damage assessment, returns back, sits down, and then you can pick it up and watch the video if you didn't have the radio link, right?Noah [00:31:59]: That's a bomber drone.Yaroslav [00:32:00]: That's full autonomy for a bomber drone, right?Noah [00:32:03]: You're saying that no human decision is made in this entire process?Brandon [00:32:06]: That's not, that's not what he's saying.Yaroslav [00:32:07]: A human decision was made at the beginning of the process-Noah [00:32:09]: I get it. I get itYaroslav [00:32:09]: The same way as you would fire an artillery.Yaroslav [00:32:12]: When you fire an artillery, you don't stop at like, 500 meters away from a target and ask it whether, you want to strike or not. That's exactly, a human decision is always made at some point. So when you do that's full autonomy, and such full autonomy is happening as we speak. And such full autonomy increases the capabilities of an FPV drone, which is already, like, three orders more powerful than an artillery shell. Full autonomy increases its capabilities by four orders of magnitude because now you can have 100 times as many people who can use it, because you don't need to train those people, and this is important. You can have 10 times, mission success rate, and you can have 10 times utility per drone because now instead of being one-way kamikaze, it's, it can be a bomber.Brandon [00:33:05]: Now wait, let's, you said 10 times mission success rate, which means that fully autonomous bomber drones succeed in their missions 10 times more often than human piloted bomber drones do. That's an important thing to know.Noah [00:33:17]: Maybe, to push back onBrandon [00:33:19]: They're super, they're superhuman. They're, they' 10X superhuman.Yaroslav [00:33:22]: They're not vulnerable to electronic warfare. They don't care about the radio horizon. They don't lose track during navigation. They are not susceptible to human error when, an artillery shell or other drone blows up besides you and you're like, “Hell no,”like, “I'm getting out of here.” Right? That doesn't happen to an autonomous drone. Like, all of those things. Like, we have, like, one of the brigades that's using our drones with just first level autonomy They literally said that their success rates-Brandon [00:33:53]: What's first level autonomy?Yaroslav [00:33:54]: First level autonomy is just the terminal guidance.Yaroslav [00:33:57]: By the way, we have video of that. We can watch that.Brandon [00:33:59]: Terminal guidance means a human gets it nearby and then the AI takes over.Yaroslav [00:34:03]: The human flies it all the way, like 30 kilometers towards the target, and obviously the target was probably given to that human by someone who's flying some ISR drone, some reconnaissance drone, right? So all the way to the target, and once you see the target from a distance of 500 meters, you do target lock, and from there drone flies autonomous. So just that feature alone, it has increased the guy's, his call sign is Grom, so it has increased his, mission success rate, like precision of mission, yeah, mission success rate from 20% to 71%, and it also increased his kill zone from three kilometers to 10 kilometers, which means there's certain area around the front line which is designated kill zone. Whenever enemy goes into that area, it's almost guaranteed to be to be destroyed by a drone. And then obviously the drones are not launched from like, the zero line. They're usually launched from like, minus 10 kilometer-Mission Success, Failure Modes, and the Five Levels of AutonomyBrandon [00:35:03]: What is a zero line?Yaroslav [00:35:05]: Zero line is sort of an imaginary line of control, of two conflicting forces.Brandon [00:35:14]: It's important to explain these things to a lot of the listeners who areYaroslav [00:35:17]: Thank you for askingBrandon [00:35:18]: Familiar with warfare.Noah [00:35:20]: Myself.Noah [00:35:20]: I'm one of those listeners.Brandon [00:35:20]: You said that level one autonomy, in other words just terminal guidance, just, like, human gets it to the finish line and then it goes over the finish line, increases mission success from 20 something percent to 71%, or something like that.Yaroslav [00:35:33]: Increases the kill zoneBrandon [00:35:34]: Increases the kill zoneYaroslav [00:35:34]: Three kilometers to 10 kilometers.Brandon [00:35:36]: Got it.Yaroslav [00:35:36]: On both parameters-Brandon [00:35:37]: What is full autonomy, dude? AndNoah [00:35:38]: Actually on real quick, can we define mission success and like, maybe in a way, what are the failure modes of missions?Brandon [00:35:44]: I have a guess what mission success is.Noah [00:35:46]: But I couldBrandon [00:35:47]: Get ‘em.Yaroslav [00:35:49]: No, but that's a very good question, in fact, because, even if you fly into the target, well, first the target can be damaged or destroyed. Those are two different modes. Then there can be different targets. A sole infantryman is one kind of target. A dugout where supposed there are some, enemies there is another kind of target, and a some mechanical equipment is another type of target. Radio emitting equipment, which, like, often, like, the targets that the military want to get more than anything else is the some enemy radio tower or something like that or some small radio dish that really makes life difficult in that area, in that combat area. So those are different targets, right? It can be destroyed, can be damaged.Then sometimes, the drone hits but doesn't explode. Like, that happens. And then, there are other failure modes. You didn't even reach the target because you were A jammed by electronic warfare; B, you lost the control over drone because of the radio horizon; C, you were jammed by a different type of electronic warfare that happens way before You hit the target area. It's, impacting your, video receiver. So like jamming on video or jamming on control are two different types of jamming. Then something malfunctioned on a drone, just a mechanical malfunction, maybe like a motor broke or like, whatever. So all of those are different failure modes. Yeah, or maybe you got lost, you're navigate navigating to your, to your target. That happens, too.Noah [00:37:41]: The Level one autonomy, basically you manage to point in a direction.Noah [00:37:49]: You go there, and then the last mile The drone taking over.Yaroslav [00:37:52]: We define this like, I define that but it sort of got picked up by the industry. We define five levels of autonomy. So level one is terminal guidance. It's what we just discussed. Level two is bombing. Level three is autonomous target detection and engagement decision. Level four is autonomous navigation. And level five is autonomous takeoff and landing.Noah [00:38:15]: Those are good things to knowYaroslav [00:38:16]: Those are five levels of autonomy. Now, if youNoah [00:38:19]: I have a question for you.Yaroslav [00:38:19]: Sorry. Like, let me finish withNoah [00:38:21]: SorryYaroslav [00:38:21]: Theoretical part.Noah [00:38:23]: What is Tesla running at right now?Yaroslav [00:38:25]: Tesla?Noah [00:38:25]: No, sorry.Yaroslav [00:38:26]: That's very good point. Like, it's exactly, it was inspired by the levels of self-driving autonomy.Noah [00:38:32]: Waymo's level five, right?Noah [00:38:35]: You just tell it where you want to go, it picks you up, and then you go there.Yaroslav [00:38:36]: I think, like, if you, if you look at the classic definitions of self-driving cars, Waymo is still, like, level four because it still requires even remote, but still, like, human control. It's like if Waymo gets in trouble, there is an operator who takes over and resolves this. So that would still be a level four. It doesn't map directly, but it's also five levels.Brandon [00:38:58]: Can I, can I interject a question here? In terms of an FPV drone that's like a suicide drone that'll just blow itself up killing something, how do what it hit? Like, does it, just transmit back, or do you sort of like, lose track of it and hope it hit? Like, what happens to that?Yaroslav [00:39:16]: That's a great question. SoBrandon [00:39:18]: You need another droneYaroslav [00:39:19]: Like, the current battlefield in Ukraine is saturated with different types of drones. So obviously you have all the FPV drones and last year alone, Ukraine manufactured about 4 million of these, and then Russia's maybe, like, 20% less than that. And for this year, the publicly voiced target was 7 million on Ukrainian side. So it's, like, serious numbers. We're getting in serious numbers here. And then besides those, there are different, reconnaissance drones, ISR as we call them, and there are sort of tactical level ISR where we, both Ukrainians and Russians usually use, Mavic, drone by DJI. And then there are a bunch of locally produced drones, which are sort of fixed wing drones that can stay in the air for much longer than Mavic, maybe, like, half an hour. And then, there are drones that can stay for many hours or even up to a day. And those drones have, are more expensive, have more expensive cameras, et cetera, et cetera. We hunt those drones that Russians launch. The Russians hunt our drones, and so on. But ideally, when you, are a group of soldiers operating an FPV, you'll have someone in your, company, or someone in your platoon who has an ISR asset that will do target designation for you. They'll say, “Oh, like, there's a Russian vehicle over there. Go and get him.”and you go there, you get it, and they're like, “Okay, confirmed.”Battlefield Surveillance and the Eight Dimensions of AutonomyBrandon [00:40:57]: Those guys are watching. They have their own drones in the sky.Yaroslav [00:40:59]: Target destroyed. They have, like, a carousel of drones because One Mavic cannot stay more than 30 minutes. ItBrandon [00:41:06]: They're constantly surveilling the battlefield.Yaroslav [00:41:07]: Almost every spot on the battlefield.Yaroslav [00:41:11]: It's not always the case. Sometimes you will not have a surveillance asset, so then you would launch another FPV just to confirm that there was a hit. Then if you see there was a hit and you're not sure if it completely destroyed, you maybe hit again for good measure.Brandon [00:41:26]: You double tap.Yaroslav [00:41:28]: That's how it works. But I was about to give you another sort of piece of taxonomy. So you have five levels of autonomy, right? Then you have sort of eight dimensions of autonomous battlefield. So what is eight dimensions? It's crucial to understand how autonomy evolves in a modern, battlefield environment. So dimension number one is level of autonomy. What are the capabilities that your asset has? Dimension number two is the platform you're operating on. So it can be a quadcopter, a fixed wing drone, different types of maybe, like, a long range drone or short range drone, but it can also be a missile. You can have autonomy even on an artillery shell or a ground vehicle or a sea vehicle. So all of those are different platforms. Level three would be domain. So it's ground to ground or ground to air as an intersection, or ground to sea or sea to air. They're all, like, all the nuances with different domains. Then level four, would be higher levels of autonomy, such as swarming, drone carriers, drone nests, et cetera.Brandon [00:42:39]: Now when you're saying level, you're talking about dimensions, not about-Yaroslav [00:42:42]: Sorry. YeahBrandon [00:42:43]: Autonomy levels. So dimension four.Yaroslav [00:42:43]: The dimension. Yeah, I used to say I was supposed to say dimension. I say dimension because each of them works with another, right? So you might have, like third level autonomy, fixed wing drone operating in land to air, and stuff like that right? And then operating in a swarm or operating from a nest. Right? Then you have, sort of dimension number five is environment. So is it day or night? Is it summer or winter? Is it, humid, cold, dry? What kind of target is it? Is your target hiding in a forest, or is it, behind a hill or within buildings? So all of that is environment. Then you have, dimension number six is command and control. How are you dealing with or like, tens of thousands of those assets around the battlefield? How are you coordinating that on the higher levels of command? How are you collecting data? All that.Yaroslav [00:43:44]: Dimension number seven would be infrastructure, so things like simulation, data collection tools, security, deployment mechanisms, et cetera. So all those systems have to be developed separately and integrate with all the others. And finally, dimension number eight is sort of distribution. Have you deployed 100 of these systems or 100,000 of these systems? Because those are two very different ballgames. So that now gives you a more broad overview of how autonomy propagates across the battle space.Targeting, Human Responsibility, and Rules of EngagementNoah [00:44:23]: As someone who has done machine learning and had gone out of distribution and had things, go horribly wrong, you were talking several of these, kind of axes of thinking about drone warfare seem like they could be very susceptible to some sort of distribution shift if you start making things autonomous.Yaroslav [00:44:41]: Like what?Noah [00:44:41]: I mean Well, first ofYaroslav [00:44:43]: If the I'm very interested Sort of sort of kinds of scenarios that you're thinking about.Noah [00:44:48]: Like the most obvious one is you, if I assume these are computer vision guided systems for at least the last mile, how do you ensure that oh, well, like you now have some fog roll in or something, and you, the drones just attack the wrong thing? Or maybe, it probably will not turn around and fly back and attack you, but youYaroslav [00:45:10]: Same, the same, the same question, how do you ensure that your mortar fire hits the right thing? Well, it's like mortar fire, give or take half a kilometer could be plus or minus. So maybe you fire one, and then you fire another. So drones are actually, much better in being precise in those scenarios. And I think, to your point, I think five to 10 years from now it will be immoral to use weapons without AI.Yaroslav [00:45:44]: ‘Cause weapons without AI will be more likely to cause, collateral damage or unwanted damage. Same way, it will be immoral to drive your own car manually on a public road because it's more likely to cause, unwanted damage.Noah [00:46:02]: Wow, I never considered that mightBrandon [00:46:04]: Really? That's definitely coming.Yaroslav [00:46:07]: Anyway.Brandon [00:46:07]: No, but that' I don't know, it's an obvious, an obvious thought. I agree with you.Brandon [00:46:12]: I, No, they, obviously they're not going to let you drive once most of the cars on the road are autonomous.Noah [00:46:17]: No, that one, don't I believe.Yaroslav [00:46:19]: No, I think you were you were talking about drones, right?Brandon [00:46:21]: The drones, right. Cool.Yaroslav [00:46:22]: The weapons, right?Brandon [00:46:23]: Friendly fire and collateral damage and stuff like that is all minimized with AI.Brandon [00:46:27]: Here's my question. Take all let's go to level six autonomy. Let's take all of the target selection. Let's take all the battlefield data, integrate it into one big AI, and have that big AI basically be in command of the battlefield And agentically do target selection.Yaroslav [00:46:44]: Be the general, right?Brandon [00:46:44]: It's a general. It's, you've cut humans out of the loop except maybe as dexterous robots, repairing drones and fastening things to drones or maybe something like that because you don't have those robots yet. How soon are we there? AI general.Yaroslav [00:46:58]: The most important thing to ask ourselves is who will be faster to that us or our adversaries?Brandon [00:47:07]: I assume us, but how fast will we be to that? I hope us.Yaroslav [00:47:11]: I hope so too.Brandon [00:47:12]: How fast can we Like when are we looking at that in terms of like horizons years?Yaroslav [00:47:18]: Like technically, it could be done now. The question is of course, there's, some engineering work to be done. The bigger challenge is deployment. Right? So okay, technically Like operation in Iran, right? They, the publicly, it was claimed that I think Palantir system was used for target designation, et cetera, et cetera. So it is not exactly as you say, the AI makes all the decisions, but basically AI goes through all the data you have, gives you these 1,027 different targets and says, “You-- To confirm, please press Okay.” And you look at the targets and you're like, “Yeah, sounds right. Press Okay.”so that's, I think that's where we are now already, or we were a couple weeks ago as we're recording this on April 10th. Another question is how massively deployable it is. Is it, like, every decision being made like that or is it, like, just some of the decisions made like that? And then different levels of command and control. There you have, like, the platoon, the company level, the battalion, et cetera, et cetera, et cetera. But the tricky thing here when we get into that territory, the tricky thing is If your enemy is getting advantage of being Thousand times faster than yourself by deploying such systems What do you do?Yaroslav [00:49:10]: You got to-Brandon [00:49:12]: The if the enemy is a thousand times faster than you at deploying those systems?Yaroslav [00:49:16]: Like, if enemy starts deploying level six autonomy, as you call And you have not started doingBrandon [00:49:22]: You're in troubleYaroslav [00:49:23]: Yes, exactly. So you have to catch up. So my point is that it is very important to think about the safety of these systems, but that thinking should not slow you down in developing them because they are critical for your existential, survival, right? And like, one person who doesn't think, doesn't get to think about the ethics of the war is a dead person. That person surely doesn't get to think about that.Brandon [00:49:52]: What would be the safety risk of such a system?Yaroslav [00:49:55]: Of course-Brandon [00:49:56]: Friendly fire?Yaroslav [00:49:56]: Just wrong decisions, right?Brandon [00:49:59]: I see.Yaroslav [00:49:59]: Maybe, these decisions-AI Command Decisions, Dead Zones, and Complex BattlefieldsBrandon [00:50:06]: Skynet AI decides it's going to useYaroslav [00:50:08]: No, these-Brandon [00:50:08]: Drone army to kill usYaroslav [00:50:09]: Decisions will not only be made about drones. They are likely to made about what the humans should do on your side as well. Then obviously some environments are more like Ukrainian-Russian war, where you haveBrandon [00:50:26]: It will have to choose to risk lives. It will have to choose to sacrifice human lives-Yaroslav [00:50:28]: Of courseBrandon [00:50:29]: On your side.Yaroslav [00:50:29]: Of course. And then some environments are just, like, dead, like, dead zones and there are no civilians there, or virtually no civilians close to the front line because, like, super dangerous. Everyone has evacuated from there. But there are other environments which are more like, okay, there's a counterterrorist operation. There's, like, a group of terrorists or a group of civilians. Or like, it's like the recent operations in Iran, I imagine that the US and Israeli forces do not want to harm civilians. They only targeted the military targets there, right? So in those situations, it's a different level of responsibility for that decision-making as well. And then there is just such a big variety of those military missions, and I'm not even, like, well-informed or well-educated in military science to tell you about all those scenarios. We would need to put some general besides me, and maybe a Ukraine general and American general would have told you very different stories about these things.Brandon [00:51:34]: Got it. Can I ask a few more questions? All right. So in 2013, I wrote one of my first, paid articles ever was about how the era of drones will change human society. I was just sitting around bored thinking about things.Yaroslav [00:51:54]: You were way ahead of your time.Brandon [00:51:55]: I said, I said, “The following will happen.”Yaroslav [00:51:57]: It's, this article is real. I've read it.Yaroslav [00:51:58]: It's actually-Brandon [00:51:59]: I said small autonomous, suicide drones, will cleanse the battlefield of human infantry. Human infantry will not be able to stand against swarms of AI-powered, suicide drones. That was I didn't even know about, like, AlexNet at the time, I think.Yaroslav [00:52:19]: You're just an avid sci-fi reader.Brandon [00:52:23]: I'm an avid sci-fi reader, but also, like, it's not Like, there will be a way to do that. It's a it's a nonlinear multidimensional search problem, and you get enough compute, you'll find some search algorithm that will get you there. And soBrandon [00:52:38]: I, yeah, I think that one sentence describes the bitter lesson right there.Brandon [00:52:41]: It's just like it's a multidimensional search space. You search it somehow. I don't know. Figure out some get a grad student-Yaroslav [00:52:47]: Sooner or laterBrandon [00:52:47]: To make a search algorithm.Brandon [00:52:48]: It's not that hard. Anyway, so but then, but I guess the point is The point is that human infantry on the battlefield will be will be gone at the end. I wrote that in 2013. Many people on social media laughed at me for that called me hysterical, said things like, “Electronic warfare will knock all the drones out of the sky.”like, “You need humans to hold ground.”that's something you still hear from a lot of people on social media today. I feel that this article that I've written has never been directionally wrong. It has gotten more and more right steadily over time, and that we're very reading the battlefield reports from Ukraine, where, human infantry are basically guy, like a few guys hiding in dugouts for months, and I'm not sure what they're doing.Yaroslav [00:53:35]: That's on Ukraine's side. On the Russian side, that's just like a zerg rush.Brandon [00:53:38]: The zerg rush, and then they just die. Then, but they have some guys in dugouts too, right? Like hiding in dugouts for months.Yaroslav [00:53:45]: They have. Yeah.Brandon [00:53:45]: Like, but that like, what are those guys doing in the dugouts? Are providing, like, frontline, like, reconnaissance? Like, what are they doing?Yaroslav [00:53:54]: If there is a guy in a dugout with some bullets and automatic weapon, the other guy cannot come and take the that dugout. That'Brandon [00:54:07]: I seeYaroslav [00:54:08]: They are they're establishing control over territory.Brandon [00:54:10]: I see. So that is so there still is a use for human infantry on the battlefield as of today.Yaroslav [00:54:15]: LikeBrandon [00:54:15]: How long will that last?Yaroslav [00:54:17]: I think it will last for a while. This is funny. There's this whole Layer of the modern culture, a modern Ukraine culture built around the war-related stuff. So there is this -Punk rock band, that is called SZC, I guess in English that would be. Which stands short for like a deserter or something like that. So anyhow, this band has a song titled “2030.” It's basically about the year 2030, and the war still goes on as like the whatever, third world war or whatever. And they basically, they, sang about the AI and like cyborgs and everything, but the simple infantry is still needed, and we're still, like, getting cold in those dugouts, and we're still doing our job. That's sort of the theme of the song. And it seems like that's actually what's going to happen. There areGround Robots, Simulation, and the Limits of World ModelsBrandon [00:55:30]: Ground robots will not replace humans in the dugouts soon.Yaroslav [00:55:34]: I'm very much interested in following the whole humanoid robot theme andBrandon [00:55:39]: What about like a dog robot?Noah [00:55:41]: Or just mobile controlled platforms or something.Brandon [00:55:44]: Spider robot, yeah.Brandon [00:55:45]: Everything evolves into a crab.Brandon [00:55:46]: You build a crab robot.Yaroslav [00:55:47]: A humanoid-Noah [00:55:48]: The carcinization of warfare.Yaroslav [00:55:51]: There is a lot of utility in humanoid robots because the world is designed around humanoids. So I would not, like, 100% disqualify the possibility that sometimes 10 years in the future, humanoid robots, will be actually fighting. So that's an actual Terminator kind of scenario.Brandon [00:56:14]: Yeah, in the first Terminator movie, you look at what they've got on the battlefield, they've got flying bomber drones and humanoid robots.Yaroslav [00:56:20]: Look, the cost of large language models of running them is getting so low, you can have basically an inexpensive computer running, what was a state-of-the-art model a year and a half ago, running it locally on a device with an open source model, which also means that the Chinese can have it, the Russians can have it, the North Koreans can have it, et cetera. So that is already possible. And with when we're looking at the acceleration of the neural nets, I would've, if not the acceleration of the large language models, I would've said that I don't think that humanoid robots will be able to be useful in the battlefield earlier than in 10 years. But if you account for the exponential, it might be five years or so. The problem with all of the autonomous systems, and it's like starts with self-driving cars and even with all the AI, like modern day AI agents, to make them really, useful, you have to solve such a long tail of edge cases, that it's really difficult to make them useful. Like we were promised, self-driving cars, what, like 2007, Sebastian Thrun and Google, and even before that all the challenges, everything. And Elon of course told us it's going to be one year from 2014, and now we still don't have self-driving Teslas everywhere. We have Waymos in SF and some other places, but they're still, like, not perfect. So I think, I expect something similar from self-flying drones and fully autonomous drones, and we saw that firsthand as with each level of autonomy that we're adding, there is a very wide distance between a prototype and something that is ready to be scaled to millions of units and something that has been scaled to millions of units. But the race with like AI coding tools is just insane. So things might accelerate very fast, faster than we can imagine.Noah [00:58:46]: I think your point is that with due to this long tail behavior Level one autonomy as you've defined it, is actually very natural. Like you basically are just solving an image recognition and tracking system.Yaroslav [00:59:02]: It's actually interesting that you say it that way, and I thought about this the very same way, and we have this joke that there are like 200 companies in Ukraine which are trying to solve last mile, targeting or terminal guidance. It seems like we're like the only company that actually solved that because even that problem-Noah [00:59:22]: I'm not saying it's, I'm not saying it's trivial, but it's at least something that you imagine given our current state.Yaroslav [00:59:26]: Like us and Eric Schmidt, like Eric Schmidt's companies are pretty good.Yaroslav [00:59:29]: Like, I actually have lots of respect to what they're doing, and they're, they have been practically influential and helpful on the battlefield, and they have good engineering.Noah [00:59:38]: I wasn't, I wasn't saying it's trivial. I'm just saying this is a something naturally adaptive based upon things that we know work, well. But some of the other domains that where you do have to make decisions and you have a long tail become much harder, and you worry about edge cases more.Yaroslav [00:59:57]: Like the more, the more complex behavior you're trying to simulate, the more edge cases there are right? The more ways to do it wrong there are. And then there are different approaches. It's like if you think about, if you read academic papers about robotics, right? You sort of the robot is represented as something that has the sort of sensor input, and then you have three, levels of sort of logics or decision-making, which are perception, planning, and control, and then you have actuators as output.So pre-neural nets, you would do perception output and control all with classic logics, right? Then, with AlexNet and computer vision, you could do perception with neural nets and the rest with logic. You cannot currently do each of those separately with neural nets, each of those separately with logics, or you can just have one huge neural net that just takes lots of sensory data. It's not just pixels. Could be sound, could be accelerometer, could be everything, as input, and just outputs the controls. And some of the self-driving car companies are doing that or like, experimenting between different ways of doing that. So you can also, like, think about that and the way you implement those features, also influences how much degrees of freedom the system would have, right? Like control, you can do it classical algorithmic control with common filters and PAD filter, PAD controllers, et cetera, or you can do a neural net, that was trained in a gym with a reinforcement learning, et cetera. And those would be two different behaviors of a system.Noah [01:01:53]: I-- Maybe my point was just much more high level. It'Yaroslav [01:01:56]: Or you can If you go even like, if you go high level, you can, you can like train to like have whatever, like Feifei Li and folks who are doing like physical, sortBrandon [01:02:08]: World modelsYaroslav [01:02:08]: World models, right, physical intelligence, they're trying to make these big models and sort of understand the world and then supposedly you have such model and you can tell a drone, “Okay, like, go over that hill and like, find the bad guys and then get them,”or “Make me a video, make me a photo of the guy smiling and get back to me.” Right? That's one way. Another way you have like these subsystems, like one is navigation, another is finding the person, another is like getting to them to take a photo. And those are again, very different behaviors. And then it's not that one is necessarily better than the other, and we might have more technological ability to do one or another. But all of those systems will exist. And then again, you should always keep in mind that it's only the not only the good guys that are developing these systems, the bad guys are developing these systems as well.China's Drone Supply Chain and the West's Manufacturing GapNoah [01:03:00]: I guess where I'm going with this back to Noah's original thought with the end of the end of the soldier. And so in order to replace-Brandon [01:03:10]: Or at least the end of the rifleman.Noah [01:03:11]: Or the end of the rifleman, yeah.Yaroslav [01:03:13]: I'm not seeing that very close, and it was like I'm, as much as I'm a lover of sci-fi and all of that and a technologist, the more I try to beYaroslav [01:03:27]: Like the I try to have certain humility about these things, and like the military, domain and there was just so much human history and blood and tears, dedicated to sort of understanding this art of war and perfecting it and so on. There is so much knowledge in there that I don't feel like I even started to comprehend, a lot of that. But one thing that I really understood is that even though drones are now making eighty percent of the casualties, you go to the actual officers, you talk to the actual, like, brigade commanders, corps commanders, and they explain to you, how all of it fits together, how when you're thinking about an operation that involves a couple thousand people to get this piece of land, out of the enemy's hands, deoccu deoccupy it, how it is so complex, it involves, dozens of different types of drones and then land operations and reconnaissance operations, psychological operations and then aviations and tanks and logistics and all kinds of these different assets. So modern warfare is really very complex, and the fact that the drones are the latest, coolest thing, and then the AI is latest, coolest thing, doesn't mean that now it's that and only that right? So yeah. Whoever's looking into that I think should realize that it's not just what the press talks about, that the reality is much more difficult, much more complex.Brandon [01:05:17]: Let's talk about China and China's manufacturing capabilities. So suppose that someone, like suppose the United States went to war with China. AndYaroslav [01:05:26]: I hope not.Brandon [01:05:27]: I hope not as well. And then but suppose that drones were very essential to that war of all the types of drones that we're talking about here, and that suppose that China said, “All right, well, you need X and Y and Z, to make those drones to fight us, and we control the production of X and Y and Z, so we're just going to cut you right off, and now you have no drones.”Brandon [01:05:47]: I know that a number of countries, including Ukraine and Taiwan, have been making moves to China-proof their drone productions that China couldn't do that. Examples of things they might be able to cut off might include rare earths, fiber optic cable that you were talking about before, various other things that where even if they don't control one hundred percent of the production, they control enough of the production that would be extremely expensive to produce it without relying on Chinese sources. Or the market's fragmented enough, et cetera. What do you see as China's key bottlenecks, and how easy are those to overcome in terms of China-proofing drone production in case of a war against China?Yaroslav [01:06:30]: Let me start with a saying that -Although China does not sell directly to Ukraine and it does sell directly to Russia, a lot of Ukrainian supply chains, they start in China, right?Yaroslav [01:06:49]: We're not in a conflict with China, and we would not want to be in a conflict with China. And we'd hope that China stays a neutral power between Ukraine and Russia and the US as well. That said, the scenario that you're describing, everything is much worse.Yaroslav [01:07:11]: Think about this. Last year, Ukraine produced four million FPV drones. Ukraine is not the most industrious nation in the world.Yaroslav [01:07:19]: China can produce four billion of these FPV drones.Yaroslav [01:07:23]: China can make them not drones with propellers, but fixed-wing drones, which go not forty kilometers far, but maybe two to three hundred kilometers inland.

Marc Rubinstein joins Excess Returns to explain what private credit, bank earnings, insurance balance sheets, fintech growth, and arbitrage firms reveal about the modern financial system. The conversation covers why private credit risks may not be systemic in the traditional banking-crisis sense, but still matter for investors because of redemption gates, hidden leverage, opaque structures, incentive conflicts, and correlations that can spike when markets are under stress.Marc Rubinstein on Xhttps://x.com/MarcRubyNet Interesthttps://www.netinterest.co/In this episode, we discuss:Why the Fed says private credit redemption risks are limited and manageableWhat Blue Owl's redemption gates reveal about private credit liquidityHow post-2008 bank regulation pushed risk into private credit, hedge funds, trading firms, and exchangesWhy banks and private credit firms are both competitors and collaboratorsThe “layer cake” of leverage connecting banks, private credit, and borrowersHow HSBC's loss tied to Atlas and MFS highlights hidden credit risksWhy insurance companies have become increasingly tied to private creditWhy rapid growth can be dangerous in financial businessesWhat bank earnings show about the gap between weak consumer confidence and resilient spendingWhy post-mortem reports from SVB, Credit Suisse, and other failures reveal what investors could not see in real timeHow Revolut became one of the most interesting fintech stories in global bankingWhy Marc calls this a potential golden age of arbitrageWhat Jane Street, public BDC discounts, private asset valuations, and geopolitical fragmentation tell us about market structureWhy investors may still be too anchored to the 2008 banking playbookWhere Marc sees risk and opportunity in financials, banks, Europe, and non-bank financial institutionsTimestamps:00:00 Private credit, hidden risks, and correlation spikes05:03 Why Blue Owl became a private credit warning sign10:20 How private credit grew after the 2008 financial crisis15:30 Banks and private credit as financial “frenemies”19:44 HSBC, Atlas, MFS, and the layer cake of leverage24:11 Apollo, Athene, insurance assets, and private credit incentives29:20 Why higher rates have not broken more of the financial system33:40 Bank earnings, consumer confidence, and resilient spending37:20 Why “I don't know” can be a powerful signal from bank CEOs41:46 Revolut and the ambition to build a truly global bank47:38 Why growth can be dangerous in finance52:19 Private assets, public BDC discounts, and arbitrage opportunities56:34 What investors misunderstand about banks today59:31 How Marc would think about financials as a long-short investor

Some of the most controversial discussions in health today involve whether certain anti-parasitic medications could play a role in integrative cancer care.     On today's show, we explore an emerging and debated area of research looking at three repurposed compounds being studied for potential cancer-support applications.     We break down how drugs like Ivermectin and Mebendazole are being investigated for possible effects on cancer cell structure, metabolism, and programmed cell death pathways.     You'll also hear why fenbendazole has gained attention in integrative circles, and what the current research actually does and does not show.     Most importantly, we discuss why these compounds are not stand-alone treatments, how they may fit into a broader integrative approach, and why medical supervision and proper context are essential.     So join me on today's Cabral Concept 3749 as we explore the science, controversy, and integrative perspective behind repurposed anti-parasitic research in cancer. Enjoy the show and let me know your thoughts!   - - - For Everything Mentioned In Today's Show: StephenCabral.com/3749 - - - Get a FREE Copy of Dr. Cabral's Book: The Rain Barrel Effect - - - Join the Community & Get Your Questions Answered: CabralSupportGroup.com - - - Dr. Cabral's Most Popular At-Home Lab Tests: > Complete Minerals & Metals Test (Test for mineral imbalances & heavy metal toxicity) - - - > Complete Candida, Metabolic & Vitamins Test (Test for 75 biomarkers including yeast & bacterial gut overgrowth, as well as vitamin levels) - - - > Complete Stress, Mood & Metabolism Test (Discover your complete thyroid, adrenal, hormone, vitamin D & insulin levels) - - - > Complete Food Sensitivity Test (Find out your hidden food sensitivities) - - - > Complete Omega-3 & Inflammation Test (Discover your levels of inflammation related to your omega-6 to omega-3 levels) - - - Get Your Question Answered On An Upcoming HouseCall: StephenCabral.com/askcabral - - - Would You Take 30 Seconds To Rate & Review The Cabral Concept? The best way to help me spread our mission of true natural health is to pass on the good word, and I read and appreciate every review!  

I Studied Nutrition and Still Made a Mess of Eating Snag your free Nutrition Self Check and Eat to Energize Menu!  What happens when a dietitian can't figure out her own body? In this episode, Jess gets honest about her personal journey with food — the parts that worked, the parts that didn't, and the discovery that changed everything. Jess traces her story from 90s fad diets and college bulimia, through a spiritual awakening abroad that helped her separate her identity from her appearance, to a decade of intuitive eating that served her well — until the demands of motherhood pushed her body past its limits. Years of fatigue, insomnia, and gut issues followed, and a perimenopause diagnosis finally prompted her to stop and ask a bigger question. The answer wasn't what she expected. Her nervous system had been running in sympathetic overdrive for years, quietly driving nearly every symptom she was experiencing. Learning to balance her sympathetic and parasympathetic nervous systems — and to value rest as much as activity — became the turning point. In this episode Jess also shares the three core beliefs that anchor her practice: The body is designed to be healthy when properly supported Most nutrition information is true, but not all of it is helpful for every person Food is deeply personal — and your nutrition plan should be too This is the story behind the Empowered Eating model, and an invitation to start your own journey. Topics covered: Fad diet culture and its impact Eating disorder recovery without formal treatment Intuitive eating — and its limits Nervous system health and digestion Perimenopause and listening to your body The Empowered Eating framework   Snag your free Nutrition Self Check and Eat to Energize Menu!  Learn more about working with Jess at jessbrownrd.com

Matt Spiegel and Laurence Holmes reacted to new Bears safety Dillon Thieneman's admiration for a Hall of Fame safety.

In the third hour, Matt Spiegel and Laurence Holmes reacted to new Bears safety Dillon Thieneman's admiration for a Hall of Fame safety. After that, Dan Patrick Show executive producer Paul Pabst joined the show live from Pittsburgh to set the scene of the NFL Draft and to share his takeaways from the first round.

Following her buzziest — and busiest — awards season yet, Chase Infiniti is starring in Hulu's The Testaments. Based on Margaret Atwood's novel of the same name, the TV series is a coming-of-age drama set in Gilead, 15 years after the events of The Handmaid's Tale. Chase sits down with Tom Power in the Q studio to talk about stepping into Margaret Atwood's world, what she learned on the set of One Battle After Another, and her love of Grease and K-pop choreography.

It's In the News! Every other week we bring you the top diabetes stories and headlines happening now. This week's top stories: stem cell reserach updates, the Pivot patch pump gets FDA approval, GLP-1 Resistance research moves forward, T1D kids in VA get a big win, time of day for exercise matters, and much more! Don't miss our 2026 events - Club 1921 and Moms' Night Out info here Announcing Community Commericals! Learn how to get your message on the show here. Learn more about studies and research at Thrivable here Please visit our Sponsors & Partners - they help make the show possible! Omnipod - Simplify Life All about Dexcom  All about VIVI Cap to protect your insulin from extreme temperatures The best way to keep up with Stacey and the show is by signing up for our weekly newsletter: Sign up for our newsletter here Here's where to find us: Facebook (Group) Facebook (Page) Instagram Check out Stacey's books! Learn more about everything at our home page www.diabetes-connections.com 

Paul Halpern introduces the contrasting early lives of George Gamow and Fred Hoyle. Born in Odessa, Gamowstudied under Alexander Friedmann, whose work on expanding universe models influenced Gamow's shift toward nuclear physics and quantum tunneling. After a dramatic attempted escape from the Soviet Union via a rubber kayak and later a successful departure through a scientific conference, Gamow reached the West. Meanwhile, in Yorkshire, Hoylewas shaped by his mother's cinema music, learning to read through silent film subtitles before pursuing physics at Cambridge. (1)JANUARY 1950

Four college students brutally murdered in Idaho. Follow the chilling timeline, investigation, and capture of Bryan Kohberger in this gripping true crime story revealing tragedy, fear, and justice unfolding today. Learn more about your ad choices. Visit megaphone.fm/adchoices

──────────────────────────────────────── [00:08:52] "No Tax on Tips" Is a Head Fake — Capped, Restricted, Payroll Taxes Still Apply IRS limited the policy to ~70 occupations, capped qualifying tips at $25,000, excluded mandatory service charges, and left Medicare and Social Security intact. Most tipped workers see minimal benefit. ──────────────────────────────────────── [00:23:19] Fertilizer Up 40-50% — Farmers Who Voted 75% for Trump Being Blindsided Urea up 50% at New Orleans. Farmers are cutting yields. Rollins: 80% bought before prices spiked — only 20% are being destroyed. Trump blamed the fertilizer monopoly. ──────────────────────────────────────── [00:35:04] Knight Played This on Election Eve 2020: Warp Speed Is a Military Surveillance Infrastructure Knight replays his November 2020 broadcast: Moderna's DARPA/CIA contract was 53 pages, almost entirely redacted. He said there is no safe vaccine in Warp Speed — it was infrastructure for totalitarian control. He was fired for this. ──────────────────────────────────────── [00:52:28] Trump Used the 1930 Smoot-Hawley Tariff Act to Subpoena a Reddit User Who Criticized ICE Federal prosecutors ordered Reddit to hand over data on a user who posted biographical details about an ICE agent. Legal basis: a 1930 customs law governing boat show sales. When challenged in court, the government withdrew — then returned with a secret grand jury. ──────────────────────────────────────── [00:59:12] Digital ID Bills Advancing — Pre-Collected Identity Will Eliminate the Need for Subpoenas Half of US states already require government ID for certain platforms. Zuckerberg told a court Apple and Google should verify every smartphone user at the OS level. Knight: digital ID eliminates subpoenas — identity is pre-collected, waiting. ──────────────────────────────────────── [01:29:07] Pfizer's Chief Toxicologist: Cancer Risk Studies Were Skipped — Reproductive Harm Was Never Studied Pfizer's former chief toxicologist testified to a German inquiry that cancer risk studies were skipped due to time constraints and the vaccine's impact on pregnancy was never studied — while the government mandated it for pregnant women. ──────────────────────────────────────── [01:38:59] Saudi Arabia Canceled the Petrodollar Agreement Two Years Ago — Forbes Just Reported It Saudi Arabia secretly ended the 50-year petrodollar deal two years ago. The dollar's global reserve share has fallen from 71% in 1999 to 57% today. China is now offering Gulf states the same security umbrella the US used in 1974. ──────────────────────────────────────── [01:43:35] Jeffrey Sachs: The US Has Diverted Trillions to War While Roads and Infrastructure Collapse Jeffrey Sachs: if you ask why roads don't work and living standards are declining, it's because we spend trillions on war. Trump lied every word about America first. They've squandered our wealth for the Zionist lobby. ──────────────────────────────────────── [01:47:58] Netanyahu Told Israel He Had Been Waiting 40 Years for This War Netanyahu told the Israeli people he had been waiting for this moment for 40 years. Knight: not a reaction to a threat — the execution of a decades-long plan whose real goal is the destruction of the Middle East. ──────────────────────────────────────── [01:53:22] Stable Coin Is a Retail-Level CBDC — Designed to Destroy Community Banks The White House stable coin plan uses retail customers to buy Treasury bonds foreign central banks no longer want. Eric Trump boasted community banks will disappear. Knight: same function as a CBDC, laundered through private companies. ──────────────────────────────────────── [01:58:39] Dershowitz Claims Credit for Telling Trump to Blockade the Strait — Which Was Already Closed Dershowitz boasted he advised Trump to blockade the Strait of Hormuz — already closed by Iran. Levin and Pollard are using identical talking points to push Trump toward nuclear weapons. ──────────────────────────────────────── [01:59:20] GOP Senator: Americans Can Handle Higher Gas Prices — It's for National Security Senator Roger Marshall told constituents to handle higher gas prices because it's for national security. Knight: national security is a code word for continuity of government — not peace or prosperity. ──────────────────────────────────────── Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silver For 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHT Find out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

──────────────────────────────────────── [00:08:52] "No Tax on Tips" Is a Head Fake — Capped, Restricted, Payroll Taxes Still Apply IRS limited the policy to ~70 occupations, capped qualifying tips at $25,000, excluded mandatory service charges, and left Medicare and Social Security intact. Most tipped workers see minimal benefit. ──────────────────────────────────────── [00:23:19] Fertilizer Up 40-50% — Farmers Who Voted 75% for Trump Being Blindsided Urea up 50% at New Orleans. Farmers are cutting yields. Rollins: 80% bought before prices spiked — only 20% are being destroyed. Trump blamed the fertilizer monopoly. ──────────────────────────────────────── [00:35:04] Knight Played This on Election Eve 2020: Warp Speed Is a Military Surveillance Infrastructure Knight replays his November 2020 broadcast: Moderna's DARPA/CIA contract was 53 pages, almost entirely redacted. He said there is no safe vaccine in Warp Speed — it was infrastructure for totalitarian control. He was fired for this. ──────────────────────────────────────── [00:52:28] Trump Used the 1930 Smoot-Hawley Tariff Act to Subpoena a Reddit User Who Criticized ICE Federal prosecutors ordered Reddit to hand over data on a user who posted biographical details about an ICE agent. Legal basis: a 1930 customs law governing boat show sales. When challenged in court, the government withdrew — then returned with a secret grand jury. ──────────────────────────────────────── [00:59:12] Digital ID Bills Advancing — Pre-Collected Identity Will Eliminate the Need for Subpoenas Half of US states already require government ID for certain platforms. Zuckerberg told a court Apple and Google should verify every smartphone user at the OS level. Knight: digital ID eliminates subpoenas — identity is pre-collected, waiting. ──────────────────────────────────────── [01:29:07] Pfizer's Chief Toxicologist: Cancer Risk Studies Were Skipped — Reproductive Harm Was Never Studied Pfizer's former chief toxicologist testified to a German inquiry that cancer risk studies were skipped due to time constraints and the vaccine's impact on pregnancy was never studied — while the government mandated it for pregnant women. ──────────────────────────────────────── [01:38:59] Saudi Arabia Canceled the Petrodollar Agreement Two Years Ago — Forbes Just Reported It Saudi Arabia secretly ended the 50-year petrodollar deal two years ago. The dollar's global reserve share has fallen from 71% in 1999 to 57% today. China is now offering Gulf states the same security umbrella the US used in 1974. ──────────────────────────────────────── [01:43:35] Jeffrey Sachs: The US Has Diverted Trillions to War While Roads and Infrastructure Collapse Jeffrey Sachs: if you ask why roads don't work and living standards are declining, it's because we spend trillions on war. Trump lied every word about America first. They've squandered our wealth for the Zionist lobby. ──────────────────────────────────────── [01:47:58] Netanyahu Told Israel He Had Been Waiting 40 Years for This War Netanyahu told the Israeli people he had been waiting for this moment for 40 years. Knight: not a reaction to a threat — the execution of a decades-long plan whose real goal is the destruction of the Middle East. ──────────────────────────────────────── [01:53:22] Stable Coin Is a Retail-Level CBDC — Designed to Destroy Community Banks The White House stable coin plan uses retail customers to buy Treasury bonds foreign central banks no longer want. Eric Trump boasted community banks will disappear. Knight: same function as a CBDC, laundered through private companies. ──────────────────────────────────────── [01:58:39] Dershowitz Claims Credit for Telling Trump to Blockade the Strait — Which Was Already Closed Dershowitz boasted he advised Trump to blockade the Strait of Hormuz — already closed by Iran. Levin and Pollard are using identical talking points to push Trump toward nuclear weapons. ──────────────────────────────────────── [01:59:20] GOP Senator: Americans Can Handle Higher Gas Prices — It's for National Security Senator Roger Marshall told constituents to handle higher gas prices because it's for national security. Knight: national security is a code word for continuity of government — not peace or prosperity. ──────────────────────────────────────── Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silver For 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHT Find out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-david-knight-show--5282736/support.

What happens after we die? After studying 5,000 near-death experiences, Dr. Jeffrey Long might have the answer... In this episode, Dr. Jeffrey Long, a radiation oncologist and founder of NDERF explains veridical perception, out-of-body awareness, and why consciousness may exist beyond the brain. The conversation explores science, spirituality, fear, and the meaning of life, including rare accounts of heaven and hell. This episode offers a grounded yet expansive look at what people report when they come close to death...and what it could mean for how we live. #jeffreylong #afterlife #consciousness #spirituality #nde #death #scienceandspirituality #podcast #alignpodcast #aaronalexander #neardeathexperience EPISODE #588 IS SPONSORED BY:

When she was eleven, she saw her sister in places her sister couldn't have been.A figure crossing a doorway. Bare feet outside her bedroom at night. Always brief. Always ordinary. It never spoke. It never approached. It simply appeared in the shape of someone familiar — and withdrew.She convinced herself it was childhood imagination.Decades later, in a different house, with a different child living under her roof, it happened again. This time, it wore her niece's face.It never tried to harm anyone. It just moved through the house like it was learning something. And the pattern was impossible to ignore.#AfterMidnightPodcast #ParanormalEncounter #MimicEntity #Doppelganger #ChildSpirit #SupernaturalActivity #UnseenPresence #ShadowFigure #IntelligentHaunting #TrueGhostStory #FamilyHaunting #SomethingInTheHouse Love real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access:

PREVIEW FOR LATER John Hardiedescribes the rapid growth of drone technology, noting how Ukrainianbattlefield experiences are being studied by NATO and the US for future conflicts. (5)UKRAINE WHEATFIELD

In this episode,Brock Johnson breaks down what he learned after studying 1,300 viral hooks and explains what actually works in 2026. Brock categorizes the most effective short-form video hooks, including pattern interrupt hooks, curiosity gap hooks, contrarian angles, bold claims, outcome-based hooks, and story-driven openings. Brock walks through how to structure the first three seconds of your Reels or TikToks to increase watch time and retention, and why certain hook formulas consistently outperform others. You'll see real examples of list hooks, comparison hooks, authority hooks, relatable openers, and direct address strategies that drive views. This episode focuses on practical frameworks you can use to write stronger hooks and improve performance on Instagram and TikTok. Watch On YouTube