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The World Cup 2026 qualifier between Italy and Estonia in UEFA Qualification Group I takes place on Friday 5 September at 20:45 CET at the Stadio di Bergamo. Carlo Garganese and Nima Tavallaey preview the big game. We look at the probable XIs, injuries and suspensions, and break down the game tactically before offering our predictions. Who do you think will win on Friday? Who will score? This is an extended clip from this week's free transfer deep dive episode of The Italian Football Podcast which is available on Spotify, Apple Podcasts and YouTube. To listen to this & all other full episodes of The Italian Football Podcast (and support the show), go to ⁠⁠⁠⁠⁠⁠Patreon.com/TIFP⁠⁠⁠⁠⁠⁠ OR now also available on ⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠ OR ⁠⁠⁠⁠⁠⁠YouTube Memberships⁠⁠⁠⁠⁠⁠ and sign up. Your support makes The Italian Football Podcast possible. Follow us: ⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠, ⁠⁠⁠TikTok⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Support us on⁠⁠⁠⁠⁠⁠⁠⁠ Patreon⁠⁠⁠⁠⁠⁠⁠⁠! UK university students pay almost £10,000 per year, and international students about four times the amount. Tuition fees have skyrocketed over the past generation. So has the number of higher-paying, international students attending. So where is all the money going? Has the quality of education improved with the cost? Have more staff been hired to cope with the workload? Or are existing staff being paid more to carry it? According to tutors at SOAS, PhD students are being exploited for cheap labour, and are often expected to work for free or without valid contracts. Meanwhile, growing profits are reportedly being used to shut down those pointing out injustice. This week, we investigate an unreported story that shines light on today's fractional labour movement, the commodification of education, and the paradoxes of economic migration. The episode is hosted and produced by Mathilda Mallinson (⁠⁠⁠⁠⁠⁠⁠@mathildamall⁠⁠⁠⁠⁠⁠⁠). The music is by⁠⁠⁠⁠⁠⁠⁠ @soundofsamfire⁠⁠⁠⁠⁠⁠⁠ Follow us on⁠⁠⁠⁠⁠⁠⁠ Instagram⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠ Bluesky⁠⁠⁠⁠⁠⁠⁠, and⁠⁠⁠⁠⁠⁠⁠ TikTok ⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of the Personal Finance Podcast,  we are going to talk about  this one move could save you thousands on an 11% loan.  Today we are going to answer these questions: Question 1: Should I stop overpaying my 11% loan and invest the difference instead? Question 2: How can I turn a $1,200/month truck stipend into a free vehicle every 3 years? Question 3: Should college students invest in a Roth IRA or focus on paying for school? Question 4: How do you rebuild your finances at 38 with 5 kids and $60K income? Question 5: Can I avoid the pro-rata rule when converting non-deductible IRA funds to a Roth? How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/  Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP  Visit www.functionhealth.com/PERSONALFINANCE or use gift code PERSONALFINANCE100 at sign-up to own your health. Delete Me: Use Promo Code PFP for 20% off! Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel  Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we sit down with Associate Producer Shelby Reilly (shelbyreilly711 on all socials) for a chat about what it takes to run this show, scheming on the road, the power of druids, the value of exposing kids to Native American Folklore, making your job a collaborative creative process, emotional support artistic endeavors, and trading secrets with the wind. Want to Adventure with us??? ⁠⁠⁠⁠⁠Join the Discord! ⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Follow us on Instagram⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Follow us on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

The tragic sinking of the RMS Lusitania in 1915 was a pivotal maritime disaster of World War I that claimed almost 1200 lives after a German U-boat torpedo struck the British ocean liner off the coast of Ireland. Part 1 of this 2 part series discusses the history of the Lusitiania as a luxury liner, political tensions as World War 1 began, and the events of the Lustiania's final voyage up until it was struck by a torpedo. Written, edited, and produced by Rich Napolitano. All episodes can be found at ⁠⁠⁠⁠⁠⁠https://www.shipwrecksandseadogs.com⁠⁠⁠⁠⁠⁠. Original theme music by ⁠⁠⁠⁠⁠⁠Sean Sigfried⁠⁠⁠⁠⁠⁠. Listen AD-FREE by becoming an Officer's Club Member ! Join at ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/shipwreckspod⁠⁠⁠⁠⁠⁠⁠⁠⁠ Shipwrecks and Sea Dogs Merchandise is available! ⁠⁠⁠⁠ ⁠⁠⁠https://shop.shipwrecksandseadogs.com⁠⁠⁠⁠⁠⁠⁠⁠ You can support the podcast with a donation of any amount at: ⁠⁠⁠⁠⁠⁠⁠⁠https://buymeacoffee.com/shipwreckspod⁠⁠⁠⁠⁠⁠⁠⁠ Join the Into History Network for ad-free access to this and many other fantastic history podcasts! ⁠⁠⁠⁠ ⁠⁠⁠⁠https://www.intohistory.com/shipwreckspod⁠⁠⁠⁠⁠⁠⁠⁠ Follow Shipwrecks and Sea Dogs ⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Follow on BlueSky⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Follow on Threads⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Follow on Instagram⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Follow on Facebook⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Follow on TikTok⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Personal Finance Podcast, we explore 12 data-backed reasons why working past traditional retirement age can boost your health, wealth, and happiness—from how postponing retirement preserves cognitive function and reduces mortality risk by 9-11%, to why social isolation from leaving work increases death risk by up to 77%, and how modern remote opportunities make it easier than ever to design lifestyle-friendly careers that keep you mentally sharp, socially connected, and financially secure well into your later years. Watch this episode on Youtube How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/  Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP  Visit www.functionhealth.com/PERSONALFINANCE or use gift code PERSONALFINANCE100 at sign-up to own your health. Delete Me⁠: Use Promo Code PFP for 20% off! Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel   Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Personal Finance Podcast, we break down the massive student loan changes hitting in 2025—why SAVE, PAYE, IBR, and ICR plans are being eliminated for new borrowers starting July 2026, how interest resuming on SAVE loans means balances could grow again, and why wage garnishment restarts in August 2025. We provide a 12-step action plan to pay off loans faster, including the biweekly payment hack that saves $1,000+ in interest, scripts to negotiate lower rates, and how to get $5,250 per year in tax-free employer loan assistance before these changes make escape even harder. ⁠Get the Student Loans GUIDE Here!  How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/  Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP  Visit www.functionhealth.com/PERSONALFINANCE or use gift code PERSONALFINANCE100 at sign-up to own your health. ⁠Delete Me⁠⁠: Use Promo Code PFP for 20% off! Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel  Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

 In this episode of The Personal Finance Podcast, we break down everything you need to know about HELOCs (Home Equity Lines of Credit)—what they really are, how they differ from traditional mortgages, and why the popular "velocity banking" strategy to pay off your mortgage faster delivers minimal benefits with maximum complexity. We explore the math behind using a HELOC to chunk down mortgage payments versus simply making extra principal payments, revealing that the supposed benefits are often overstated and come with significant variable-rate risks that could jeopardize your home. Get the HELOC Ultimate GUIDE Here! Watch this episode on Youtube. How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Visit www.functionhealth.com/PERSONALFINANCE or use gift code PERSONALFINANCE100 at sign-up to own your health. Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/   Links Mentioned in This Episode: 10 Home Renovations That Are Worth The MONEY! - Money Q&A Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel  Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Giovanni Leoni is on the verge of leaving Parma to sign for Premier League champions Liverpool. Nima Tavallaey and Carlo Garganese debate, discuss, and analyze a question on this topic sent in from patron/YouTube member. This is an extended clip from this weeks Q & A episode of The Italian Football Podcast available only to patrons on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon.com/TIFP⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube Memberships⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To listen to this & all other full episodes of The Italian Football Podcast (and support the show), go to ⁠⁠⁠⁠⁠Patreon.com/TIFP⁠⁠⁠⁠⁠ OR now also available on ⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠ OR ⁠⁠⁠⁠⁠YouTube Memberships⁠⁠⁠⁠⁠ and sign up. Your support makes The Italian Football Podcast possible. Follow us: ⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠YouTube⁠⁠, ⁠⁠TikTok⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

PSG and their coach Luis Enrique has made it clear they want to sell Gianluigi Donnarumma this summer to make room for Lucas Chevalier. Nima Tavallaey and Carlo Garganese debate, discuss, and analyze a question on this topic sent in from patron/YouTube member. This is an extended clip from this weeks Q & A episode of The Italian Football Podcast available only to patrons on ⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon.com/TIFP⁠⁠⁠⁠⁠⁠⁠⁠⁠ and on ⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube Memberships⁠⁠⁠⁠⁠⁠⁠⁠⁠. To listen to this & all other full episodes of The Italian Football Podcast (and support the show), go to ⁠⁠⁠⁠Patreon.com/TIFP⁠⁠⁠⁠ OR now also available on ⁠⁠⁠⁠Spotify⁠⁠⁠⁠ OR ⁠⁠⁠⁠YouTube Memberships⁠⁠⁠⁠ and sign up. Your support makes The Italian Football Podcast possible. Follow us: ⁠⁠⁠⁠Twitter⁠⁠⁠⁠, ⁠⁠⁠⁠Facebook⁠⁠⁠⁠, ⁠⁠⁠⁠Instagram⁠⁠⁠⁠, ⁠⁠⁠⁠YouTube⁠, ⁠TikTok⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of the Personal Finance Podcast,  we are going to talk about  how to Get Rich Buying Boring Businesses With Codie Sanchez  Today we talk to Codie Sanchez about buying boring businesses. Codie owns 26 businesses, is the founder of Contrarian Thinking, and has an incredible newsletter with over 110K Readers. We talk about: Carwashes  Laundromats  Mailbox Money  Vending Machines  How to get financing for deals  How to manage multiple businesses  And so much more! How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/  Connect With Codie: ⁠www.codiesanchez.com⁠ ⁠www.contrarianthinking.co⁠ Linkedin: @codiesanchez ⁠Twitter: @Codie_Sanchez⁠ ⁠Instagram: @codiesanchez⁠ ⁠TikTok: @realcodiesanchez⁠ Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel  Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

It's Stomp, Maddie, Murray, and RJ with your hip While You Were Sleeping content! This week we chat Chicago, TV training, Prince and the Poppers, Deep Dish Pizza, big ol lakes, and Road Trips. You know, just hang out's with the gang. Gonna be a great two months in this Windy City! Want to Adventure with us??? ⁠⁠⁠⁠Join the Discord! ⁠⁠⁠⁠ ⁠⁠⁠⁠Follow us on Instagram⁠⁠⁠⁠ ⁠⁠⁠⁠Follow us on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

Just after midnight on March 24, 1989, the oil tanker Exxon Valdez ran aground on Bligh Reef, in Prince William Sound, Alaska. Over 10 million gallons of crude oil spilled into the waters, killing hundreds of thousands of animals, and devastating the fragile ecosystem. This episode provides a detailed account of how this accident happened, and its ramifications. Written, edited, and produced by Rich Napolitano. All episodes can be found at ⁠⁠⁠⁠⁠https://www.shipwrecksandseadogs.com⁠⁠⁠⁠⁠. Original theme music by ⁠⁠⁠⁠⁠Sean Sigfried⁠⁠⁠⁠⁠. Go AD-FREE by becoming a Patreon Officer's Club Member! Join at ⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/shipwreckspod⁠⁠⁠⁠⁠⁠⁠⁠ Shipwrecks and Sea Dogs Merchandise is available! ⁠⁠⁠ ⁠⁠⁠https://shop.shipwrecksandseadogs.com⁠⁠⁠⁠⁠⁠⁠ You can support the podcast with a donation of any amount at: ⁠⁠⁠⁠⁠⁠⁠https://buymeacoffee.com/shipwreckspod⁠⁠⁠⁠⁠⁠⁠ Join the Into History Network for ad-free access to this and many other fantastic history podcasts! ⁠⁠⁠ ⁠⁠⁠⁠https://www.intohistory.com/shipwreckspod⁠⁠⁠⁠⁠⁠⁠ Follow Shipwrecks and Sea Dogs ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Follow on BlueSky⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Follow on Threads⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Follow on Instagram⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Follow on Facebook⁠⁠⁠⁠⁠ ⁠⁠⁠Follow on TikTok⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Personal Finance Podcast,  we are going to answer questions on this Money Q&A about  she's 64, broke, and wants to day trade - Here's What I'd Tell Her. Today we are going to answer these questions: Should my 67-year-old mom take a $100K lump sum pension or $720/month for life — and what should she do with her 401(k) and HSA? How does tax loss harvesting actually work — and is it worth doing? We found our dream home, but the seller won't move out for months. How do we buy the house without becoming homeless in the process? Why use a high-yield savings account for emergencies instead of a brokerage? And how do retirement rules actually work with Roth vs. Traditional contributions? My 64-year-old mom is thinking about day trading to catch up for retirement. She's been a single caregiver her whole life. What should someone in her position actually do to build financial security? I'm 47, contribute 15% to my 401(k), and have no Roth savings. Should I cut my 401(k) down to the match and start maxing out a Roth IRA to create tax-free income in retirement? How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/  Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel  Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Personal Finance Podcast,  we are going to talk about  how to invest $1 million,a simple strategy to invest a lump sum. How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/   Links Mentioned in This Episode: 10 Powerful Portfolio Strategies (And Which One is Right for You!) - Part 1 10 Powerful Portfolio Strategies (And Which One is Right for You!) - Part 2 How to Build Your Index Fund Portfolio (Choose The Best Asset Allocation for You) The Complete Breakdown of The 2-Fund Portfolio (The Warren Buffett Portfolio) Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel  Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Support us on⁠⁠⁠⁠⁠⁠⁠⁠ Patreon⁠⁠⁠⁠⁠⁠⁠⁠! Keir Starmer announced earlier this year that he would reduce the aid budget to 0.3% of national income, from 0.5%, to fund increased spending on defence. But according to the government's own impact assessment, Labour's deep aid cuts will hit children's education and reduce spending in women's health. Why are women worse affected by aid cuts? Because crisis is sexist. When disaster strikes, women are 14 times more likely to die than men. In Gaza, UN analysis showed close to 70% of verified victims over a six-month period were women and children. But women are also underrepresented in decision-making about how aid is distributed, and so the solutions rarely reflect this. In this episode recorded 2023, Media Storm partnered with the International Rescue Committee to platform the lived experience of women in disaster zones— not just as victims, but as leaders of solutions. The IRC makes a conscious effort to place women at the centre of emergency responses, and has connected us with pioneers in Yemen, Pakistan and the world's biggest refugee camp: Kakuma, in Kenya. We also hear voices from Afghanistan, Nigeria and North American indigenous communities, who reveal how conflict and climate change disproportionately impact women and girls. We were then joined in the studio by actress and Amnesty ambassador Nazanin Boniadi, to look at how a male-dominated mainstream media and Eurocentric headlines can hide the realities facing women of the world. We look at the unique case of Iran, where women have revolted following the state murder of Mahsa Amini in 2022, and the press' crucial role in fighting for human rights for everybody. The episode is hosted and produced by Mathilda Mallinson (⁠⁠⁠⁠⁠⁠⁠@mathildamall⁠⁠⁠⁠⁠⁠⁠) and Helena Wadia (⁠⁠⁠⁠⁠⁠⁠@helenawadia⁠⁠⁠⁠⁠⁠⁠)  The music is by⁠⁠⁠⁠⁠⁠⁠ @soundofsamfire⁠⁠⁠⁠⁠⁠⁠ Follow us on⁠⁠⁠⁠⁠⁠⁠ Instagram⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠ Bluesky⁠⁠⁠⁠⁠⁠⁠, and⁠⁠⁠⁠⁠⁠⁠ TikTok ⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of the Personal Finance Podcast,  we are going to talk about  the case for and against bitcoin. How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc. This episode is sponsored by Plaud https://www.plaud.ai/ — an AI wearable gadget that takes notes of meetings and calls. With Plaud, you don't have to take notes and make summaries anymore. Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Visit www.functionhealth.com/PERSONALFINANCE  or use gift code PERSONALFINANCE100 at sign-up to own your health. Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP  Links Mentioned in This Episode: Cryptocurrency 101: Should You Invest In Cryptocurrency? (Or is it a Horrible Investment!?) Ethereum 101: What is Ethereum? The Ethereum Price Prediction That Is Based on REAL Income! Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel  Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

In a very exciting episode, the girls sit down to chat with lifelong favorite author, Ally Carter. Ally shares her journey moving from YA to new adult books, why she loves writing spy romances, how her brain works to piece everything together, and more. Whether you grew up reading The Gallagher Girls, are now starting with The Blonde Identity, or are just getting introduced to Ally, this episode is one for everyone. Tune in to listen to Ally's brilliant mind and to hear what makes her books stand out amongst all the others. FOLLOW ALLY & PRE-ORDER: https://allycarter.com/ For ad inquires, please email partnerships@58ember.com Please note this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode. ⁠SHOP OUR MERCH⁠ -⁠ ⁠www.illreadwhatshesreading.com⁠ ⁠Follow us on Instagram: ⁠ ⁠Follow us on TikTok: ⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

We're back, baby!!! This week it's Murray, Jasmin, and RJ talkin bout Cactus Blossoms (the food), Hotel Life, Travel Trouble, Poisonous Shed Pests, Balcony Folk, The Kennedy Center, Tyler the Pelican, and a pitch for our working class revenge horror comedy "House Keeping". We're so glad to be back at it. Missed you all! Want to Adventure with us??? ⁠⁠⁠Join the Discord! ⁠⁠⁠ ⁠⁠⁠Follow us on Instagram⁠⁠⁠ ⁠⁠⁠Follow us on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

Support us on⁠⁠⁠⁠⁠⁠⁠ Patreon⁠⁠⁠⁠⁠⁠⁠! This week on News Watch: Spot the omissions and exaggerations in right-wing coverage of NHS doctors' strikes. Why are some outlets pushing misleading narratives, and what has it got to do with the wealth tax? We seek out the voices missing from The Telegraph's reports (doctors), and revisit our interview with trade union Secretary General Mick Whelan on how class works in our media. Next: Zohran Mamdani's been caught out by the New York Post… or has he? We look at the rampant Islamophobia surfacing after the mayoral candidate's Democratic nomination, and ask why anti-Muslim hatred is one of the most socially permitted forms of bigotry in the Western world. Plus - did you read about the Afghan data leak that endangered some 100,000 people living under Taliban rule? More likely, you read about the 'secret scheme' threatening covert immigration to the UK. Here's how the British press made it all about them. And Japan's far-right Sanseito party made unprecedented gains in Sunday's election. Journalist Shiori Clark reacts to their ‘Japanese First' campaign mantra, and the counter-movement behind Japan's first ever participation in World Refugee Week. The episode ends with Eyes on Palestine: Why does Sky News keep publishing Israeli army excuses for mass child killings as fact? The episode is hosted and produced by Mathilda Mallinson (⁠⁠⁠⁠⁠⁠@mathildamall⁠⁠⁠⁠⁠⁠) and Helena Wadia (⁠⁠⁠⁠⁠⁠@helenawadia⁠⁠⁠⁠⁠⁠)  The music is by⁠⁠⁠⁠⁠⁠ @soundofsamfire⁠⁠⁠⁠⁠⁠ Follow us on⁠⁠⁠⁠⁠⁠ Instagram⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠ Bluesky⁠⁠⁠⁠⁠⁠, and⁠⁠⁠⁠⁠⁠ TikTok ⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ever heard of a war reporter? You could probably even name a few… perhaps you've even seen them played on the big screen by Hollywood movie stars. Now tell us - have you ever heard of a fixer? Could you name a single one? This episode, Media Storm dives into the complex ethics and murky dynamics of war reporting with former foreign correspondent Phoebe Greenwood and Palestinian journalist and former fixer, Abeer Ayyoub. When mostly white, middle class, overseas journalists get more pay, more recognition, and more protection than local collaborators, but often take on less risk and work, is that any better than racism? Is there a value to detached, outsider perspectives, or an inability to truly understand the lived realities of war? How sinister is western bias in the context of foreign conflict? And what does it say when the story is more important than the people left behind to live it? From the abandonment of Afghan interpreters, to the overlooked mass murder of Palestinian journalists; from kidnaps in Tigray, to smuggler violence in Dunkirk - we look at the dark side of a profession that is rightly held in high regard for its services to truth, but whitewashed, glamourised, and little understood. You can buy Phoebe Greenwood's new novel, Vulture, here. The episode is hosted and produced by Mathilda Mallinson (⁠⁠⁠⁠⁠⁠@mathildamall⁠⁠⁠⁠⁠⁠) and Helena Wadia (⁠⁠⁠⁠⁠⁠@helenawadia⁠⁠⁠⁠⁠⁠)  The music is by⁠⁠⁠⁠⁠⁠ @soundofsamfire⁠⁠⁠⁠⁠⁠ Support us on⁠⁠⁠⁠⁠⁠ Patreon⁠⁠⁠⁠⁠⁠! Follow us on⁠⁠⁠⁠⁠⁠ Instagram⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠ Bluesky⁠⁠⁠⁠⁠⁠, and⁠⁠⁠⁠⁠⁠ TikTok ⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week, we look at the outcome of the case against Sean ‘Diddy' Combs in the US - and how evidence of domestic abuse, coercive control, and power dynamics were ignored and misunderstood with the help of our media. We also discuss those viral videos of fans queuing to see Chris Brown, a convicted abuser, on the same week he stands trial for Grievous Bodily Harm. After the break, welfare is taking a bashing on both sides of the Atlantic. But did you know the UK and US already fall far down the rankings when it comes to state benefits? Labour has been ridiculed for yet another ‘U-turn', as benefit cuts are reversed and Rachel Reeves' crying face is plastered on every front page. Is it the ableism of the U-turn coverage, or the sexism or the Reeves coverage, that'll win this week's media storm prize? We end with Eyes on Palestine - has the world had the wool pulled over its eyes by Netanyahu's "new aid plan"? The episode is hosted and produced by Mathilda Mallinson (⁠⁠⁠⁠⁠@mathildamall⁠⁠⁠⁠⁠) and Helena Wadia (⁠⁠⁠⁠⁠@helenawadia⁠⁠⁠⁠⁠)  The music is by⁠⁠⁠⁠⁠ @soundofsamfire⁠⁠⁠⁠⁠ Support us on⁠⁠⁠⁠⁠ Patreon⁠⁠⁠⁠⁠! Follow us on⁠⁠⁠⁠⁠ Instagram⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠ Bluesky⁠⁠⁠⁠⁠, and⁠⁠⁠⁠⁠ TikTok ⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

'What is a woman?' The question that has plagued British media and politicians over the past decade culminated in a Supreme Court ruling that declared ‘womanhood' was based on biological sex. Now, finally, WE KNOW WHAT A WOMAN IS. Headlines told us this was a historical moment for women and feminism, but with misogyny becoming more and more mainstream and male violence on the rise, what has the ruling actually achieved? Three months on, Media Storm compares the real-life impact of the Supreme Court ruling and the impact promised by the British press - and assesses whether this biological definition has brought clarity or chaos. Bridging the binary divide between cis and trans women presented in mainstream media, Helena and Mathilda are joined by Katy Montgomerie, YouTuber, metalhead, and trans rights activist. What is a woman? Why is this question so dominant in today's political climate? When did the obsession begin? Who has gained a lot… and who has gained nothing? The episode is hosted and produced by Mathilda Mallinson (⁠⁠⁠⁠@mathildamall⁠⁠⁠⁠) and Helena Wadia (⁠⁠⁠⁠@helenawadia⁠⁠⁠⁠)  Researchers: Lily Erwood and Teagan Gray The music is by⁠⁠⁠⁠ @soundofsamfire⁠⁠⁠⁠ Support us on⁠⁠⁠⁠ Patreon⁠⁠⁠⁠! Follow us on⁠⁠⁠⁠ Instagram⁠⁠⁠⁠,⁠⁠⁠⁠ Bluesky⁠⁠⁠⁠, and⁠⁠⁠⁠ TikTok Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week in the villa, wait, We mean on RAM! We're joined by Love Island USA Season 1 winner, Elizabeth Weber! Elizabeth gives us all the juicy behind-the-scenes details of Love Island: what it's really like in the villa, whether people actually fall in love, and yes, just how many bathrooms there are (you'll be shocked). We also dive into Elizabeth's life post-Island, including how she's built a career in social media and content creation. She shares how her experience in reality TV shaped her perspective, and how she's now empowering other creators through her business, Content Club, a platform and community that offers tools, tips, and support for influencers and aspiring content pros. Created and produced by Claire Donald and Tess Bellomo For more of our show, where to follow us, merch, and updates, go to our website ⁠⁠⁠here⁠⁠⁠ If you want to join our premium subscription channel for 3 bonus eps a month for $7.99, go ⁠⁠⁠here!⁠ Learn more about Elizabeth's Content Club ⁠HERE⁠ Follow Elizabeth on ⁠Instagram⁠ and ⁠TikTok Learn more about your ad choices. Visit podcastchoices.com/adchoices

You only get one shot at a first impression—and most of it happens before you even speak. In this episode, AJ and John break down the four science-backed factors that shape how people instantly judge your presence, confidence, and trustworthiness. Whether you're walking into a job interview, a networking event, or a first date, you'll get actionable strategies to control the room from the moment you walk in. From body language and clothing to the psychology of where you stand in a room, this episode reveals the subtle social cues that silently make or break your first impression. Stick around for the 5-minute upgrade challenge at the end to rewire your muscle memory and command attention effortlessly. What to Listen For [00:00:00] Why high-stakes moments make us hyper-aware—and how to stay grounded[00:01:06] Why it can take 10 interactions to fix a bad first impression[00:02:00] The body language science that explains how people judge you in 6 seconds[00:03:00] Why your health, energy, and confidence are silently being evaluated[00:04:27] The “Glow Up” effect: how working out boosts your presence[00:05:00] How to use the “Doorway Drill” to reprogram your posture and vibe[00:07:00] The power of enclothed cognition: how clothes impact your mindset[00:08:57] How style and grooming signal status—without saying a word[00:09:21] Why standing in the shadows destroys your social proof[00:10:44] The 4-step “First Impression Challenge” to prime your body and mind[00:11:00] Visual cue trick to make confident posture automatic[00:12:21] How to walk into any room like you own it A Word From Our Sponsors Tired of awkward handshakes and collecting business cards without building real connections? Dive into our Free Social Capital Networking Masterclass. Learn practical strategies to make your interactions meaningful and boost your confidence in any social situation. Sign up for free at ⁠⁠theartofcharm.com/sc⁠⁠ and elevate your networking from awkward to awesome. Don't miss out on a network of opportunities! Unleash the power of covert networking to infiltrate high-value circles and build a 7-figure network in just 90 days. Ready to start? Check out our ⁠⁠CIA-proven guide⁠⁠ to networking like a spy! Indulge in affordable luxury with Quince—where high-end essentials meet unbeatable prices. Upgrade your wardrobe today at ⁠⁠quince.com/charm⁠⁠ for free shipping and hassle-free returns. Ready to turn your business idea into reality? Shopify makes it easy to start, scale, and succeed—whether you're launching a side hustle or building the next big brand. Sign up for your $1/month trial at ⁠⁠shopify.com/charm⁠⁠. Need to hire top talent—fast? Skip the waiting game and get more qualified applicants with Indeed. Claim your $75 Sponsored Job Credit now at ⁠⁠Indeed.com/charm⁠⁠. This year, skip breaking a sweat AND breaking the bank. Get your summer savings and shop premium wireless plans at ⁠mintmobile.com/charm⁠ Stop needlessly overpaying for car insurance. Before you renew your policy, do yourself a favor—download the Jerry app or head to JERRY.com/charm Connect with quality therapists and mental health experts who specialize in you at ⁠www.rula.com/charm ⁠ Curious about your influence level?  Get your Influence Index Score today! Take this 60-second quiz to find out how your influence stacks up against top performers at ⁠⁠theartofcharm.com/influence⁠⁠. Resources from this Episode ⁠Speak, Memorably: The Art of Captivating an Audience⁠ Check in with AJ and Johnny! ⁠⁠AJ on LinkedIn⁠⁠ ⁠⁠Johnny on LinkedIn⁠⁠ ⁠⁠AJ on Instagram⁠⁠ ⁠⁠Johnny on Instagram⁠⁠ ⁠⁠The Art of Charm on Instagram⁠⁠ ⁠⁠The Art of Charm on YouTube⁠⁠ ⁠⁠The Art of Charm on TikTok⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

If you think good communication means saying more, think again. Emmy-winning journalist and executive coach Bill McGowan joins AJ and Johnny to reveal the science of saying less—but meaning more. From boardrooms to interviews, Bill has coached some of the world's top leaders (and celebrities) to craft compelling, unforgettable messages—and today, he's sharing the playbook. In this episode, you'll learn how to ditch jargon, avoid rambling, and master your “media moment.” Whether you're giving a presentation, going on a first date, or handling a tough question at work, this is your guide to sounding confident, concise, and charismatic under pressure. What to Listen For [00:00:00] Why overexplaining hurts your credibility[00:03:45] The power of “soundbite thinking” and how to master it[00:07:12] How to speak with authority—without sounding rehearsed[00:10:26] Why strong visuals beat fancy vocabulary in storytelling[00:13:19] The secret to controlling your body language under pressure[00:15:54] Why silence is one of the most persuasive communication tools[00:20:46] The “message box” framework used by media pros[00:26:17] How to be memorable when you only have 30 seconds[00:35:21] Why “smooth talkers” often come across as insincere[00:45:07] How to prep for tough questions without sounding scripted[00:54:32] Final advice: the three words to avoid in every presentation Episode Takeaways Brevity is credibility: People trust speakers who get to the point “Soundbite” training prepares you to be remembered—not just heard Strategic silence creates impact and signals confidence Storytelling drives emotional engagement more than stats ever can The best communicators speak with rhythm, not speed Being memorable isn't accidental—it's trained A Word From Our Sponsors Tired of awkward handshakes and collecting business cards without building real connections? Dive into our Free Social Capital Networking Masterclass. Learn practical strategies to make your interactions meaningful and boost your confidence in any social situation. Sign up for free at ⁠theartofcharm.com/sc⁠ and elevate your networking from awkward to awesome. Don't miss out on a network of opportunities! Unleash the power of covert networking to infiltrate high-value circles and build a 7-figure network in just 90 days. Ready to start? Check out our ⁠CIA-proven guide⁠ to networking like a spy! Indulge in affordable luxury with Quince—where high-end essentials meet unbeatable prices. Upgrade your wardrobe today at ⁠quince.com/charm⁠ for free shipping and hassle-free returns. Ready to turn your business idea into reality? Shopify makes it easy to start, scale, and succeed—whether you're launching a side hustle or building the next big brand. Sign up for your $1/month trial at ⁠shopify.com/charm⁠. Need to hire top talent—fast? Skip the waiting game and get more qualified applicants with Indeed. Claim your $75 Sponsored Job Credit now at ⁠Indeed.com/charm⁠. This year, skip breaking a sweat AND breaking the bank. Get your summer savings and shop premium wireless plans at mintmobile.com/charm Stop needlessly overpaying for car insurance. Before you renew your policy, do yourself a favor—download the Jerry app or head to JERRY.com/charm Connect with quality therapists and mental health experts who specialize in you at www.rula.com/charm Curious about your influence level?  Get your Influence Index Score today! Take this 60-second quiz to find out how your influence stacks up against top performers at ⁠theartofcharm.com/influence⁠. Resources from this Episode Speak, Memorably: The Art of Captivating an Audience Check in with AJ and Johnny! ⁠AJ on LinkedIn⁠ ⁠Johnny on LinkedIn⁠ ⁠AJ on Instagram⁠ ⁠Johnny on Instagram⁠ ⁠The Art of Charm on Instagram⁠ ⁠The Art of Charm on YouTube⁠ ⁠The Art of Charm on TikTok⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Most networking advice feels awkward, outdated, or downright useless—until now. In this episode of Social Intelligence, AJ Harbinger and Johnny Dzubak hand you three conversation frameworks that eliminate the stress of small talk and turn fleeting chats into lasting relationships. Whether you dread mixers or freeze up trying to sell your value, this episode walks you through one opener, one value exchange, and one graceful exit line that make you the most memorable person in the room. Plus, you'll learn why your follow-up rates are failing—and how to fix them in under 30 seconds. What to Listen For [00:00:00] The "name badge invisibility" feeling and why mixers cause anxiety [00:02:00] Starter Line Framework: Make observations that spark real conversations [00:06:00] Value Exchange Framework: Flip small talk into collaboration [00:08:30] How to offer value without sounding salesy or forced [00:10:30] Client story: How one line turned a stranger into a business partner [00:13:30] The Peak-End Rule and how to leave people remembering you fondly [00:14:30] Follow-up hack: 25% boost in memory with a two-line recap [00:16:00] This week's challenge: Run the loop—starter, value, exit—and DM your results Episode Takeaways People consistently underestimate how much others like them—this is called the liking gap Use context-rich openers that are novel and observational to stand out in any crowd Instead of pitching, build bridges with value recognition and small favors A clear, appreciative exit is often the most memorable part of the interaction The Peak-End Rule means people judge conversations by the emotional high point and ending Write down just two lines after a conversation to increase your recall and follow-up success Preparing just three lines before a mixer can turn dread into confidence Great networking isn't about working the room—it's about running the loop with intent Tired of awkward handshakes and collecting business cards without building real connections? Dive into our Free Social Capital Networking Masterclass. Learn practical strategies to make your interactions meaningful and boost your confidence in any social situation. Sign up for free at ⁠theartofcharm.com/sc⁠ and elevate your networking from awkward to awesome. Don't miss out on a network of opportunities! A Word From Our Sponsors Unleash the power of covert networking to infiltrate high-value circles and build a 7-figure network in just 90 days. Ready to start? Check out our ⁠CIA-proven guide⁠ to networking like a spy! Indulge in affordable luxury with Quince—where high-end essentials meet unbeatable prices. Upgrade your wardrobe today at ⁠quince.com/charm⁠ for free shipping and hassle-free returns. Ready to turn your business idea into reality? Shopify makes it easy to start, scale, and succeed—whether you're launching a side hustle or building the next big brand. Sign up for your $1/month trial at ⁠shopify.com/charm⁠. Need to hire top talent—fast? Skip the waiting game and get more qualified applicants with Indeed. Claim your $75 Sponsored Job Credit now at ⁠Indeed.com/charm⁠. Curious about your influence level?  Get your Influence Index Score today! Take this 60-second quiz to find out how your influence stacks up against top performers at ⁠theartofcharm.com/influence⁠. ⁠Negotiations Collective website⁠ ⁠Scott Tillema's website⁠ ⁠Scott Tillema on LinkedIn⁠ ⁠AJ on LinkedIn⁠ ⁠Johnny on LinkedIn⁠ ⁠AJ on Instagram⁠ ⁠Johnny on Instagram⁠ ⁠The Art of Charm on Instagram⁠ ⁠The Art of Charm on YouTube⁠ ⁠The Art of Charm on TikTok⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Murray, Maddie, Conner, and Cass pause to take in what an excellent year it's been. They also confront an Eldritch Horror that Conner has been growing at his dressing station. Maddie might rip your shoes off. Want to Adventure with us??? ⁠⁠Get Tickets to the Show Here! ⁠⁠ ⁠⁠Join the Discord! ⁠⁠ ⁠⁠Follow us on Instagram⁠⁠ ⁠⁠Follow us on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

It's Superfight! time. Strap in for Murray, Will, Conner, Maddie, and RJ to pit Angels against Sith against Jam Bands. It's violent. It's tactical. It's stupid. It's Superfight! Want to Adventure with us??? ⁠Get Tickets to the Show Here! ⁠ ⁠Join the Discord! ⁠ ⁠Follow us on Instagram⁠ ⁠Follow us on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

Trigger Warning: Talk about Extermination and Animal Loss. Nothing Graphic. But the episode is about dealing with, well, varmints. And lo did Diego, Murray, Stomp, Jasmin, and RJ talk about their experience with fauna that might be considered pests. Special appearance by Anjali Bhimani for some squirrel related trauma. Want to Adventure with us??? Get Tickets to the Show Here! Join the Discord! Follow us on Instagram Follow us on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

Let's be clear right off, the title isn't a euphemism. Micheal Fell's dog has many fans in his neighborhood. His dog is large. The kid's want to ride him. We're coming to the end of our time here at Stage 42, and Murray, Michael, Stomp, and Diego take a few minutes here to talk about the few moments in their lives that don't involve D&D. Murray is recording tunes, Diego is contemplating his wardrobe, Micheal is making dog appearances, and Stomp is going to Drag shows. Also, much discussion of what makes our brains tick, the birth of Tekki La Lorde, and stressful childhood board games. Want to Adventure with us??? Get Tickets to the Show Here! Join the Discord! Follow us on Instagram Follow us on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

Brendan Schaub recaps UFC 314 alexander Volkanovski vs Diego Lopes and talks why that card was amazing, why Bryce Mitchell looked really bad and Jean Silva looked incredible, why Yair Rodriguez vs Jean Silva should be next, why Paddy Pimblett is is the next global superstar, why Michael Chandler vs Conor McGregor is never happening, Paddy Pimblett vs Justin Gaethje being the best next match up and much more!TikTok - Learn more about TikTok's contribution to the U.S. economy at http://tiktokeconomicimpact.com/Progressive - https://www.progressive.com/Sure Shot - https://sureshot.com/ Use code Brendan for 10% OFFSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Brendan Schaub and Bryan Callen have a push up competition and discuss the importance of hair when it comes to looking youthful, their fantasy UFC fight match up, what their death row last meal would be, current events around the world and much more!TikTok - Learn more about TikTok's contribution to the U.S. economy at https://tiktokeconomicimpact.com/DraftKings - Download the DraftKings Sportsbook app and use code: FIGHTERHims - Start your free online visit today at https://hims.com/fighterMando - As a special offer for listeners, new customers get $5 off a Starter Pack with our exclusive codeO'Reilly Auto Parts - https://oreillyauto.com/FIGHTERTrue Classic - True Classic - Upgrade your wardrobe and save on @trueclassic at https://trueclassic.com/fighter ! #trueclassicpodJOYMODE - https://tryjoymode.com and enter code: Fighter at checkout for 20% OFF your first order or 30% OFF your subscriptionSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The guys talk Brendan's long time desire to milk something, Bryan's coyote story update, Brendan contemplating whether or not to neuter Donny, Bryan contemplating getting a facelift, scorpion and bee stings, this weekend's UFC 314 Volkanovski vs Lopes, Bryan in Naked Gun 3 with Leslie Nielsen, current events around the world and much more!TikTok - Learn more about TikTok's contribution to the U.S. economy at https://tiktokeconomicimpact.com/DraftKings - Download the DraftKings Sportsbook app and use code: FIGHTERPXG - Head over to http://pxg.com/tfatk to save up to 20% on your entire order.Simplisafe - Get 50% off your new SimpliSafe system with professional monitoring and first month free at http://simplisafe.com/fighterProgressive - https://www.progressive.com/JOYMODE - https://tryjoymode.com and enter code: Fighter at checkout for 20% OFF your first order or 30% OFF your subscriptionSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We've turned into an actual fan support podcast for a week or two!!! Murray, Stomp, Diego, RJ, and Jasmin answer questions from the Discord about the rehearsal process, keeping your various tracks straight, character creation, improv in general, and what kind of sandwich that guy over there is eating. Want to Adventure with us??? Get Tickets to the Show Here! Join the Discord! Follow us on Instagram Follow us on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

The boys are back and talk Bryan getting back into training with Lance Armstrong and Tim Kennedy, Brendan selling his house, people in Texas being so nice, Ways2Well, a coyote living under Bryan's house, current events around the world and much more!TikTok - Learn more about TikTok's contribution to the U.S. economy at https://tiktokeconomicimpact.com/TRUEWERK - Check out the full lineup and get 15 percent off your first order at https://truewerk.com/fighterDraftKings - Download the DraftKings Sportsbook app and use code: FIGHTERProgressive - https://www.progressive.com/JOYMODE - https://tryjoymode.com and enter code: Fighter at checkout for 20% OFF your first order or 30% OFF your subscriptionSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Brendan Schaub recaps UFC Mexico Brandon Moreno vs Steve Erceg and talks Bruce Buffer announcing the incorrect winner, Ilia Topuria stating he was promised a title shot from the UFC after vacating his belt, why Conor McGregor won't be returning to fight, Terence Crawford's take on Boxing vs MMA payouts, Colby Covington's beef with Paul Felder, and update on Cain Velasquez and much more.TikTok - Learn more about TikTok's contribution to the U.S. economy at http://tiktokeconomicimpact.com/Progressive - https://www.progressive.com/Sure Shot - https://sureshot.com/ Use code Brendan for 10% OFFSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Well, there's a spoiler right there in the title, but it's a fun new format this week. We made up yet another dumb game to play. Cassidy, Alex, and RJ get a song prompt from the Discord and spend a quick 30 minutes composing an original song. Turns out that this one is an Epic about storytelling becoming too real and the consequences of one's actions echoing throughout eternity. Also, it slaps significantly. Please enjoy. Want to Adventure with us??? Get Tickets to the Show Here! Join the Discord! Follow us on Instagram Follow us on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

Brendan Schaub recaps UFC London Sean Brady vs Leon Edwards and his time at Fight Companion with Joe Rogan, Eddie Bravo and Gordon Ryan, and talks Brady mollywhopping Leon, Conor McGregor running for president of Ireland, ONE Championship 172 where Rodtang KO'd Takeru and Tawanchai surprisingly got KO'd by Noiri, an update on Tom Aspinall vs Jon Jones and UFC possibly joining TNT Sports and much more.TikTok - Learn more about TikTok's contribution to the U.S. economy at http://tiktokeconomicimpact.com/DraftKings - Download the DraftKings Sportsbook app NOW and use code SCHAUBSHOWProgressive - https://www.progressive.com/Sure Shot - https://sureshot.com/ Use code Brendan for 10% OFFSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The usual gang is joined backstage by our newest guest star, Darin De Paul! We're talking self care and finding personal space in this wacky industry. Plus night time routines and the science of comedy. Want to Adventure with us??? Get Tickets to the Show Here! Join the Discord! Follow us on Instagram Follow us on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

The gang celebrates Brendan's birthday and talk their upcoming Texas plans, Brendan experimenting with blue scorpion venom, Conor McGregor's visit to Donald Trump and the White House, Bryan questioning if Sanaz actually baked the cookies she gave them, current events around the world and much more!TikTok - Learn more about TikTok's contribution to the U.S. economy at https://tiktokeconomicimpact.com/TRUEWERK - Check out the full lineup and get 15 percent off your first order at https://truewerk.com/fighterDraftKings - Download the DraftKings Sportsbook app and use code: FIGHTERProgressive - https://www.progressive.com/O'Reilly Auto Parts - https://oreillyauto.com/FIGHTERMagic Mind - http://magicmind.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The gang celebrates Brendan's birthday and talk their upcoming Texas plans, Brendan experimenting with blue scorpion venom, Conor McGregor's visit to Donald Trump and the White House, Bryan questioning if Sanaz actually baked the cookies she gave them, current events around the world and much more! TikTok - Learn more about TikTok's contribution to the U.S. economy at https://tiktokeconomicimpact.com/ TRUEWERK - Check out the full lineup and get 15 percent off your first order at https://truewerk.com/fighter DraftKings - Download the DraftKings Sportsbook app and use code: FIGHTER Progressive - https://www.progressive.com/ O'Reilly Auto Parts - https://oreillyauto.com/FIGHTER Magic Mind - http://magicmind.com/

Brendan Schaub talks his upcoming Fight Companion with Joe Rogan, this weekend's Leon Edwards vs Sean Brady in London, the controversial BJ Penn posts about his mother, UFC and Dana White beefing with ESPN, Jeremy Stephens return to the UFC, Islam Makhachev's team saying they're turning down a fight with Ilia Topuria, Brendan's inside scoop about the upcoming TV deal with the UFC and much more. TikTok - Learn more about TikTok's contribution to the U.S. economy at http://tiktokeconomicimpact.com/ Shopify - https://shopify.com/schaub DraftKings - Download the DraftKings Sportsbook app NOW and use code SCHAUBSHOW Progressive - https://www.progressive.com/ Sure Shot - https://sureshot.com/ Use code Brendan for 10% OFF

Ok. We're hungry this week. Diego, Maddie, Will, and Murray talk about hearty fare and family recipes. Seriously...we'll eat before next time. Want to Adventure with us??? Get Tickets to the Show Here! Join the Discord! Follow us on Instagram Follow us on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

The boys are back to recap UFC 313 Magomed Ankalaev vs Alex Pereira and discuss why this was the worst UFC card Brendan has ever witnessed in a while, the build up to UFC 314 Brendan and Bryan potentially competing in car jiu jitsu, current events around the world including Stylebender's ex having to pay half her savings to Israel in a court case, a naked woman on a plane, Kanye West claiming he was messaging with Joe Rogan and Rogan calling him out for being incorrect, incredible AI work from JunkBoxAi and much more! Progressive - https://www.progressive.com/ TikTok - Learn more about TikTok's contribution to the U.S. economy at https://tiktokeconomicimpact.com/ Magic Mind - http://magicmind.com/ JOYMODE - https://tryjoymode.com and enter code: Fighter at checkout for 20% OFF your first order or 30% OFF your subscription

Brendan Schaub recaps UFC 313 Magomed Ankalaev vs Alex Pereira and talks controversy with ESPN and UFC not allowing people to buy the PPV, how this affects Alex Pereira's income from PPV points, Lemos vs Lucindo being the worst fight ever, why Brendan believes Alex actually won the fight, current events around the combat sports world including Ilia Topuria teasing an unbelievable announcement, Paddy Pimblett's plan to fight Conor McGregor, Beneil Dariush possibly leaking Dustin Poirier vs Max Holloway 3, Alex Pereira firing back at his ex girlfriend's social media post about his loss and much more. MUD/WTR - Head to mudwtr.com and grab your starter kit today! Right now, our listeners get an exclusive deal—up to 43% off your entire order, plus free shipping and a free rechargeable frother when you use code Schaub. Progressive - https://www.progressive.com/ TikTok - Learn more about TikTok's contribution to the U.S. economy at http://tiktokeconomicimpact.com/ Sure Shot - https://sureshot.com/ Use code Brendan for 10% OFF

Arcadia is in trouble. The source code is corrupted and Queen Erika has been told by the Code Angels that only she can purify it. It's another episode of For the Queen because we freaked out about it super hard and Maddie and Diego wanted to play. It's techno flavors this time around. So, plug in and get downloaded. The cyberfire burns brightly for you. Want to Adventure with us??? Get Tickets to the Show Here! Join the Discord! Follow us on Instagram Follow us on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

The guys talk about Bryan's nose and what he would do for 25 million dollars, UFC 313 Alex Pereira vs Magomed Ankalaev, Brendan's triceps, Tiger's discovery of the show Baylen Out Loud, Trump meeting Zelensky, Bryan's love for Drake's new song, current events around the world and much more! TikTok - Learn more about TikTok's contribution to the U.S. economy at https://tiktokeconomicimpact.com/ Stash - Go to https://get.stash.com/fighter to see how you can receive TWENTY-FIVE DOLLARS towards your first stock purchase and to view important disclosures. DraftKings - Download the DraftKings Sportsbook app and use code: FIGHTER O'Reilly Auto Parts - https://oreillyauto.com/FIGHTER

This week Conner has a game for us to play. Over these two hours he, Will, Murray, Cassidy, and Aabria use the card flipping RPG "For The Queen" by Alex Roberts to tell the story of the Alabaster Empire. Ruled over by The Mask, an eternal queen forged by men into an instrument of domination, the Empire seeks to subjugate, subdue, and assimilate anyone who threatens their hard won peace. Aided by a zealous Bishop, a loyal soldier, and an ancient magician, she approaches the Onyx citadel to return their prodigal son and ask them to bend the knee or face destruction. Want to Adventure with us??? Get Tickets to the Show Here! Join the Discord! Follow us on Instagram Follow us on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

A MyTalk awards recap, Blake and Ryan work to remove the Baldoni lawsuit, and the potential fate of TikTok Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.