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Why do only 9% of people and companies grow stronger during crises? According to Harvard Business School professor and author Ranjay Gulati, the answer isn't intelligence—it's courage. In this episode, AJ and Johnny unpack what it means to act in the face of fear, not in the absence of it. Drawing from decades of research and Ranjay's new book The Soul of Courage, the conversation explores why we're hardwired to freeze under uncertainty, how the most courageous people “resource” themselves to act, and what separates bold leadership from reckless risk-taking. From stories of NASA pilots and nuclear engineers to everyday professionals stepping up under pressure, this episode is a masterclass in practical courage—how to develop it, share it, and lead with it when everything's on the line. What to Listen For [00:01:38] Why 91% of companies retreat in recessions—and 9% win [00:03:06] The psychology of “loss avoidance” and our addiction to safety [00:05:00] The difference between risk and uncertainty—and why the brain freezes [00:07:08] The Fear Equation: redefining courage as action in the face of fear [00:08:44] The Stanford snake experiment and building a “can-do” mindset [00:11:00] How domain mastery and belief from others fuel self-efficacy [00:14:47] Bold vs. reckless: Aristotle's timeless lesson on measured risk [00:18:54] Courage is not a solo act: the importance of your “support squad” [00:24:32] The link between deep purpose and enduring courage [00:26:31] How to “act your way into knowing” when data is unclear [00:30:03] The science of calm—rituals that regulate fear and focus [00:33:05] Rewriting your personal story to unlock courage [00:38:38] How charisma inspires collective courage in others A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠⁠⁠⁠⁠⁠⁠⁠unlockyourxfactor.com⁠⁠⁠⁠⁠⁠⁠⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠⁠⁠⁠⁠⁠⁠⁠artofcharm.com/intel ⁠⁠⁠⁠⁠⁠⁠⁠for a social intelligence assessment and discover exactly what's holding you back. If you've put off organizing your finances, Monarch is for you. Use code CHARM at ⁠monarch.com⁠ in your browser for half off your first year.  Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠⁠⁠⁠⁠⁠⁠⁠makeheadway.com/CHARM ⁠⁠⁠⁠⁠⁠⁠⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? 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 Save more than fifty percent on term life insurance at ⁠⁠⁠⁠⁠⁠⁠⁠SELECTQUOTE.COM/CHARM⁠⁠⁠⁠⁠⁠⁠⁠ TODAY to get started  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. Episode resources: ⁠⁠RanjayGulati.com⁠ ⁠How to Be Bold⁠ 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

We drove home from this Colleen Hoover adaptation with many regrets. Don't forget to ⁠⁠⁠⁠⁠⁠⁠⁠⁠check out our Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠ for TV reviews and retro movie reviews ⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to us on Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Bluesky⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Letterboxd⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on TikTok⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever wonder why some people light up a room the moment they walk in? That's not luck — it's aura. In this episode, AJ and Johnny unpack the science and strategy behind building an authentic magnetic presence. From making people feel good in your company to inviting them into your passions and showing up fully present, you'll learn the repeatable steps that make others naturally gravitate toward you. Drawing from behavioral psychology and emotional intelligence research, they share how to master attention, turn validation into connection, and transform your energy into influence. Whether you're leading, dating, or networking, this episode gives you the blueprint for developing a presence that people remember — and want more of. What to Listen For [00:00:00] What “aura” really is — and how it's built [00:00:40] Why attention is the first step to influence [00:01:16] Turning any attention — even negative — into opportunity [00:02:08] The first pillar: make people feel good around you [00:02:34] Science of emotional validation and active responding [00:03:46] Emotional intelligence vs. being “just nice” [00:05:10] How to respond when others struggle or fail [00:06:08] Second pillar: invite people into your passions [00:07:21] Why hosting beats talking — and builds closeness fast [00:08:53] The “power of the invite” and how reciprocity builds aura [00:09:43] Third pillar: presence is the new status signal [00:10:50] The posture and body language that kill your aura [00:11:42] Final recap: feel good, share passion, stay present A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠⁠⁠⁠⁠⁠⁠unlockyourxfactor.com⁠⁠⁠⁠⁠⁠⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠⁠⁠⁠⁠⁠⁠artofcharm.com/intel ⁠⁠⁠⁠⁠⁠⁠for a social intelligence assessment and discover exactly what's holding you back. Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠⁠⁠⁠⁠⁠⁠makeheadway.com/CHARM ⁠⁠⁠⁠⁠⁠⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? 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 Save more than fifty percent on term life insurance at ⁠⁠⁠⁠⁠⁠⁠SELECTQUOTE.COM/CHARM⁠⁠⁠⁠⁠⁠⁠ TODAY to get started  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. 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

Survivors of genocide in Gaza have called on the global community to launch criminal prosecutions of Western media professionals who they say carry blame for the murders of their colleagues, families and other victims of Israeli conquest. Is criminal prosecution possible? Would it even be fair? We put these questions to Palestinian and Western journalists, legal experts and other witnesses, to take the conversation about media complicity – which has featured on the podcast repeatedly over the past two years – to its next step. Where there is complicity, shouldn't there be accountability Guests include Palestinian journalists Ahmed Alnaouq and Abubaker Abed, US journalist Katie Halper, Israeli anthropologist Jeff Halper, Norwegian frontline medic Dr Mads Gilbert, and professor of law Penny Green. This episode was recorded at the Gaza Tribunal in Istanbul, a people's trial collating evidence alleging crimes against humanity in Palestine. Subscribe to our ⁠⁠⁠Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Follow your hosts 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

Join the community built to help you master your money, stay accountable, and reach financial freedom.

Join the community built to help you master your money, stay accountable, and reach financial freedom.

Most networking advice tells you to “be nice” — but nice is forgettable. In this episode, AJ and Johnny reveal the three hidden signals spies use to win rooms, open doors fast, and build influence without small talk. You'll learn how to spot the leader signal (who really runs the room), the wish signal (what someone quietly wants), and the fence signal (what they're protecting). These micro-signals determine who gets remembered, trusted, and invited back. Whether you're trying to close a deal, land a promotion, or make your next event actually count, this episode gives you the tactical networking playbook used by elite operators in high-stakes situations — and shows you how to apply it in everyday life. What to Listen For [00:00:00] Why “being nice” fails and signals win rooms [00:00:25] The 3 hidden signals spies use to build influence [00:01:31] Leader, Wish, Fence — shortcuts to real connection [00:02:39] Real-world payoffs: sales, promotions, influence [00:03:16] How reading signals makes you memorable [00:04:10] The Leader Signal — spotting who really decides [00:05:29] The Wish Signal — catching emotional “tells” [00:07:27] The Fence Signal — respecting what's guarded [00:08:44] How to make a powerful “tiny ask” [00:09:41] Why correct reads build trust instantly [00:10:11] Tactical takeaways and playbook for your next event A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠⁠⁠⁠⁠⁠unlockyourxfactor.com⁠⁠⁠⁠⁠⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠⁠⁠⁠⁠⁠artofcharm.com/intel ⁠⁠⁠⁠⁠⁠for a social intelligence assessment and discover exactly what's holding you back. Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠⁠⁠⁠⁠⁠makeheadway.com/CHARM ⁠⁠⁠⁠⁠⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? 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 Save more than fifty percent on term life insurance at ⁠⁠⁠⁠⁠⁠SELECTQUOTE.COM/CHARM⁠⁠⁠⁠⁠⁠ TODAY to get started  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. 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

Join the community built to help you master your money, stay accountable, and reach financial freedom.

What if the fastest way to future-proof your career isn't networking — it's owning your story? In this episode, AJ and Johnny sit down with Goldie Chan, Forbes columnist and founder of Goldie Builds, to unpack how personal branding creates opportunities long before résumés do. Goldie shares how she went from shy creator to “The Oprah of LinkedIn,” why introverts have a unique advantage in today's attention economy, and how anyone can build a personal brand without dancing on camera or posting every day. This conversation breaks down the simple, repeatable steps to make your digital footprint work for you. Whether you want to get noticed by recruiters, stand out in your field, or create more leverage in your career, this episode gives you the framework to build visibility and credibility on your own terms. What to Listen For [00:00:00] Goldie's unexpected journey from introvert to LinkedIn icon [00:02:15] Why your digital footprint matters more than your résumé [00:04:42] How 800 daily videos built a global brand [00:08:30] Overcoming “Cringe Mountain” and posting your first piece of content [00:13:20] Why personal branding gives you career leverage [00:18:45] How to start with just one post a month [00:24:30] The secret power of Employee Generated Content (EGC) [00:31:05] Why introverts can thrive in personal branding [00:36:42] Goldie's three steps to showing up authentically online [00:42:18] How to build visibility without burning out A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠⁠⁠⁠⁠unlockyourxfactor.com⁠⁠⁠⁠⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠⁠⁠⁠⁠artofcharm.com/intel ⁠⁠⁠⁠⁠for a social intelligence assessment and discover exactly what's holding you back. Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠⁠⁠⁠⁠makeheadway.com/CHARM ⁠⁠⁠⁠⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? 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 Save more than fifty percent on term life insurance at ⁠⁠⁠⁠⁠SELECTQUOTE.COM/CHARM⁠⁠⁠⁠⁠ TODAY to get started  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. Episode resources: ⁠⁠⁠Goldie Chan's LinkedIn Personal Branding for Introverts 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

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We watched Netflix's adaptation of The Twits with our kids and discovered that the deep disappointment of an adaptation of something you love can happen very early in life. Don't forget to ⁠⁠⁠⁠⁠⁠⁠⁠⁠check out our Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠ for TV reviews and retro movie reviews ⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to us on Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Bluesky⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Letterboxd⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on TikTok⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever had a five-minute conversation that felt like you'd known someone for years? That's not luck — it's a loop. In this short, high-impact episode, AJ and Johnny break down the 90-second formula for instant connection. You'll learn how to spot subtle “bids” for attention, validate emotional cues, and shift conversations from surface-level small talk to real trust and rapport. This isn't networking fluff — it's a science-backed conversational loop you can use in meetings, dates, sales calls, or social events to turn polite chats into powerful relationships. Whether you want to build influence, deepen trust fast, or simply stop missing connection opportunities, this episode gives you a repeatable framework to make conversations stick. What to Listen For [00:00:00] The 90-second loop for instant connection [00:00:31] Why polite conversations fall flat [00:00:52] What a “bid” is and how to spot it [00:02:06] How validation lowers threat and builds trust [00:03:14] The “we” bridge — shifting from me vs. you [00:04:51] Real-world example: meeting someone new at an event [00:07:21] Using the loop in client and sales conversations [00:09:20] Emotional signals to listen for (and mirror) [00:11:24] How “we statements” build subconscious connection [00:12:32] The micro step — why small, soon, and specific wins [00:14:14] Common mistakes that break connection [00:16:38] Final recap: Spot. Validate. Bridge. Micro step. A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠⁠⁠⁠⁠unlockyourxfactor.com⁠⁠⁠⁠⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠⁠⁠⁠⁠artofcharm.com/intel ⁠⁠⁠⁠⁠for a social intelligence assessment and discover exactly what's holding you back. Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠⁠⁠⁠⁠makeheadway.com/CHARM ⁠⁠⁠⁠⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? 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 Save more than fifty percent on term life insurance at ⁠⁠⁠⁠⁠SELECTQUOTE.COM/CHARM⁠⁠⁠⁠⁠ TODAY to get started  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. 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

Funding, for one thing. Political frontmen, for another. The question is why? Money trailing into Far-Right groups connects European aristocrats with US Christian evangelicals and Russian propagandists. Together, these vastly different interest groups support joint campaigns undermining migrant rights with one hand, and abortion rights with the other. Connecting the dots between them, is a debunked White Supremacist conspiracy theory called ‘The Great Replacement'. It argues that White Europeans and Americans are being deliberately seditiously replaced by non-white migrant populations, and that the solution is not just closing borders, it's forcing up White birth rates— and forcing down abortions. Sian Norris is an investigative journalist exposing these dirty money trails, and she joins us on Media Storm. She says that while wealthy European aristocrats, hardline American Christians and Russian disinformationists may seem very different on the surface, each is incentivised to subscribe to a fascistic mythic past in which White people were superior to others and women's bodies were controllable and for childbirth. As a result, absurd and extremist worldviews have entered mainstream politics. How normalised is White Supremacism today? How does it threaten women's bodily autonomy? How have legacy news outlets helped to make extremism mainstream? This week's episode brings together the different fights against two far-right frontiers: immigration and abortion. Subscribe to our ⁠⁠Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! 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

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What if the secret to modern influence was 2,000 years old? In this episode of Social Intelligence Brief, AJ and Johnny uncover Cicero's three-step formula for magnetic persuasion—a framework so powerful it once stopped riots and still drives billion-dollar pitches today. Drawing on ancient rhetoric, neuroscience, and modern leadership psychology, they reveal how to frame problems, layer reasoning, and close with intensity—the timeless skills behind every great communicator. From Roman courts to boardrooms, you'll learn how to turn logic into emotion, guide attention like a conductor, and leave any audience moved to act. Whether you're leading a meeting, pitching investors, or navigating conflict, this episode shows you how Cicero's forgotten formula can help you speak with conviction—and influence with integrity. What to Listen For [00:00:00] How Cicero turned chaos into persuasion—his 3-step model [00:01:12] Why structure—not charisma—is the key to attention [00:02:10] Step 1: Frame the problem to define reality [00:03:22] The modern VP example—how framing shifts energy and focus [00:04:00] Step 2: Layer your reasons (fact → value → emotion) [00:05:12] The neuroscience of stories and why emotion seals logic [00:06:10] Step 3: Close with intensity, not volume [00:07:05] The psychology of endings—why the close is all people remember [00:08:10] The 3-question test for persuasive clarity [00:08:40] Final recap: Frame it. Layer it. Close it. A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠⁠⁠⁠unlockyourxfactor.com⁠⁠⁠⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠⁠⁠⁠artofcharm.com/intel ⁠⁠⁠⁠for a social intelligence assessment and discover exactly what's holding you back. Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠⁠⁠⁠makeheadway.com/CHARM ⁠⁠⁠⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? 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 Save more than fifty percent on term life insurance at ⁠⁠⁠⁠SELECTQUOTE.COM/CHARM⁠⁠⁠⁠ TODAY to get started  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. 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

Sir Ernest Shackleton (1874–1922) was an Anglo-Irish explorer best known for his daring Antarctic expeditions during the Heroic Age of Polar Exploration. Born in County Kildare, Ireland, and raised in London, Shackleton first ventured south with Robert Falcon Scott on the Discovery Expedition (1901–1904), before leading his own journeys aboard Nimrod (1907–1909) and Endurance (1914–1917). Though he never reached the South Pole, his leadership during the Endurance expedition—when his ship was crushed by ice and he led all 28 men to safety—earned him lasting fame as a model of courage, resilience, and leadership under pressure. Shackleton died of a heart attack in 1922 while preparing for another Antarctic voyage, and was buried on South Georgia Island, where his legacy as one of history's greatest explorers endures. 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

Sir Ernest Shackleton (1874–1922) was an Anglo-Irish explorer best known for his daring Antarctic expeditions during the Heroic Age of Polar Exploration. Born in County Kildare, Ireland, and raised in London, Shackleton first ventured south with Robert Falcon Scott on the Discovery Expedition (1901–1904), before leading his own journeys aboard Nimrod (1907–1909) and Endurance (1914–1917). Though he never reached the South Pole, his leadership during the Endurance expedition—when his ship was crushed by ice and he led all 28 men to safety—earned him lasting fame as a model of courage, resilience, and leadership under pressure. Shackleton died of a heart attack in 1922 while preparing for another Antarctic voyage, and was buried on South Georgia Island, where his legacy as one of history's greatest explorers endures. 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

This week your Media Storm hosts Mathilda and Helena answer all your questions - from hellish headlines to book recommendations to life with or without a fringe. Some current affairs are covered, including the Manchester synagogue attack and an update on the flotilla detainees. But we also dive into personal, professional and even philosophical questions. Plus, we even put on our Agony Aunt hats and advise on listener dilemmas: from trying not to look like a ‘conspiracy-theory-nut', to taking on teachers at your children's school. We didn't have enough time to cover all your questions so there will be a Q&A PART TWO very soon, we promise. If you want to submit a question, you can do so by signing up to our ⁠Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! 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

Join the community built to help you master your money, stay accountable, and reach financial freedom.

What if confidence wasn't in your head, but in your posture? In this episode, AJ and Johnny unpack the science of body language and embodied cognition—how standing tall, opening your chest, and taking up space sends powerful signals to your brain and to everyone around you. Backed by psychology research, they show how posture isn't just a reflection of mood—it actively creates it. You'll discover why slumped shoulders and “phone posture” leak low status, while upright, expansive body language instantly boosts mood, confidence, and presence. From the “doorway drill” to quick body checks, AJ and Johnny share practical tools to reset your default signals so you project confidence in every meeting, date, or social interaction—before you even say a word. What to Listen For [00:00:00] Why posture changes your mood, confidence, and signals [00:01:19] How unconscious slumping leaks insecurity—and how body checks fix it [00:02:48] The epidemic of phone posture and desk work destroying confidence [00:03:13] Embodied cognition: how your body teaches your mind to feel safe or defeated [00:04:04] Research: upright posture increases self-esteem, mood, and processing speed [00:04:28] Power posing and why expansive body language boosts risk tolerance [00:05:16] The posture loop: stand tall, make eye contact, take up space, smile [00:06:03] The doorway drill: reset your posture every time you walk through a door [00:07:04] Client story: how Jim rewired his posture with reminders and changed his default [00:07:43] Why confidence is easier to control through body language than thoughts A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠⁠⁠unlockyourxfactor.com⁠⁠⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠⁠⁠artofcharm.com/intel ⁠⁠⁠for a social intelligence assessment and discover exactly what's holding you back. Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠⁠⁠makeheadway.com/CHARM ⁠⁠⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? 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 Save more than fifty percent on term life insurance at ⁠⁠⁠SELECTQUOTE.COM/CHARM⁠⁠⁠ TODAY to get started  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. 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

Compra tu boleto para el clásico Dallas Trinity FC vs Club America femenil AQUÍ. En este episodio, Ana, Fer y Coach Luisa Rodríguez se sientan a decir todas esas cosas que nadie se atreve a preguntar sobre la vulva, pero que TODAS pensamos:

In this episode of The Personal Finance Podcast, Andrew answers 15 listener questions ranging from Solo Roth 401k strategies and crushing $117,000 in student loans to whether a 19-year-old should build credit and how to pass brokerage accounts to your kids without tax headaches. He covers retirement account drawdowns, traditional versus Roth decisions based on tax brackets, why high-fee mutual funds usually lose to ETFs, and whether you should sell when investments jump 15%—delivering straight answers to the money questions keeping you up at night. Today we are going to answer these questions!  Solo ROTH 401K: should I max out ROTH employee side before employer pre-tax side? Or split? How long can I leave my 401k in Fidelity before needing to roll it over to a new employer's plan?If I haven't maxed out my Roth IRA, would it still make sense to open a brokerage account? I've maxed out my IRA for the past 3 years. Should I contribute more to my 457B? How can I pay off $117k of high interest student loan debt and stay motivated? Should I start a Roth IRA for my grandkids now or start them an index fund? They're 5. I'm 19 with $20k+ invested, should I start building credit? I have 2 investments — mutual fund (high fee), ETF (low fee). Both high return, should I stop the mutual? How should I go about drawing down accounts when I begin retirement? At age 30, approx what income does it make sense to invest in traditional vs Roth 401k? Should I “lock profit” every time my ROI hits >15%? Or should I leave it? (Reinvesting will 3% fee) How do you pass on a taxable brokerage account to your son? We're coast FI. Should I just do 401k until employer match and add to brokerage as a bridge?Why money market over HYSA for high yield earners? 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 DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc  Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.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/  Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!    Links Mentioned in This Episode: 10 Ways to Prevent Identity Theft (and What to Do if it Happens to YOU!) How to Protect Your Finances Online (And Prevent Getting Scammed!) How to Protect Your Finances Online (Right Now!) 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

On February 12, 1983, Signalman 3rd class Scott Baxter was on board the USS Jack Williams and participated in the search and rescue mission for the SS Marine Electric. Scott Baxter retired from the US Navy as a Signalman Chief Petty Officer, and I had the opportunity to speak with him about that cold, February morning and other memorable moments from his career.  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

Are we drowning in psychobabble? In this episode, AJ and Johnny sit down with psychotherapist and author Joe Nucci to debunk the viral mental health myths dominating social media. From the overuse of “trauma” and “gaslighting” to the idea that everyone needs therapy, Joe exposes how pop-psychology has blurred the lines between real treatment and trendy jargon. They dig into why therapy has become a status symbol, how diagnoses are being misused as identity labels, and the dangers of weaponizing terms like narcissism in dating and relationships. Joe also explains what gaslighting actually is (and why it can't happen in a single argument), and how social media is encouraging unhealthy identity-seeking through mental health labels. Whether you've rolled your eyes at overused buzzwords online—or wondered if you're guilty of using them yourself—this conversation will help you cut through the noise, spot real red flags, and separate genuine mental health wisdom from misleading myths. What to Listen For [00:00:22] Defining psychobabble—why using therapy language as weapons is so common [00:03:23] Why we crave explanations—and how psychobabble gives false certainty [00:04:52] Myth #1: “Everybody needs therapy”—why it's not true [00:07:36] How therapy turned into a status symbol and dating requirement [00:12:59] Is more intimacy always better? Why therapy shouldn't replace real connection [00:17:18] Myth #2: “Everyone has trauma”—the real definition of trauma vs. pop culture [00:25:39] Myth #3: “Your diagnosis is your identity”—why labels aren't the end point [00:32:30] How “awkward” became “neurodivergent”—the dangers of expanding definitions [00:36:25] Why “everyone's ex is a narcissist” has become toxic for relationships [00:46:25] The real definition of gaslighting—and why it takes time, not one fight [00:52:01] How true gaslighting destroys self-trust and why casual misuse is harmful [00:53:36] Where to find Joe's book Psychobabble: Viral Mental Health Myths and the Truths That Will Set You Free A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠⁠unlockyourxfactor.com⁠⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠⁠artofcharm.com/intel ⁠⁠for a social intelligence assessment and discover exactly what's holding you back. Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠⁠makeheadway.com/CHARM ⁠⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? 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 Save more than fifty percent on term life insurance at ⁠⁠SELECTQUOTE.COM/CHARM⁠⁠ TODAY to get started  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. Episode resources: Joe Nucci Psychobabble 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

In this episode of the Personal Finance Podcast,  we are going to do a Money Q&A  about should you pay off debt or invest first. Today we are going to answer these questions: Question 1: Should I build my emergency fund to $20,000 first, or start paying down my mortgage and investing at the same time? Question 2: Is my bonus payoff plan the best option, or should I prioritize my 12% personal loan or Roth IRA contributions instead? Question 3: Should I use my $8,000 tax refund to max out my Roth IRA this year, or finish building my 3-month emergency fund first? Question 4: What are the best books and resources for someone getting started with real estate investing, especially in rental properties? Question 5: Should I sell my current home and use the equity for a down payment and student loans, or keep it as a rental — and how does the FHA assumable loan factor in? Question 6: [Placeholder for your next listener question] 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 DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc  Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.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/  Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!    Links Mentioned in This Episode: The 1-3-6 Method For Building & Managing Your Emergency Fund 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 episode was originally published in August of 2024.The bulk carrier SS Marine Electric went down on February 12th, 1983, 30 miles off the coast of Virginia during a severe winter storm. The World War 2 era ship had been been deteriorating for years and suffered from rust, corrosion, failed pumps, and faulty safety features that the ship's owners, Marine Transport Lines had neglected to repair. Only 3 out of 34 crewmembers survived the wreck. Many Coast Guard reforms were developed as a result of this tragedy, including the formation of the US Coast Guard rescue swimmer program. 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

Why do some people command instant respect without saying a word? In this episode, AJ and Johnny reveal the four high value signals that separate quiet authority from desperate posturing. Respect isn't about aggression, volume, or proving you belong—it's about presence. With research from Harvard and Frame Strength studies, they unpack how calmness, cooperation, congruent body language, and responsibility change the way people see you in any room. You'll learn why calm authority beats dominance, why spotlighting others actually raises your own status, and how subtle shifts in posture and eye contact project confidence before you speak. Through client stories and science-backed insights, AJ and Johnny show how these hidden behaviors flip the script—turning you from overlooked to magnetic. What to Listen For [00:00:00] Why respect isn't about dominance but presence [00:01:20] Calm authority as the strongest frame in any room [00:02:08] Why cooperation—not competition—earns lasting respect [00:02:34] How spotlighting others signals leadership [00:02:48] Congruent body language and stillness as confidence cues [00:03:31] Why intentional goals erase nervous energy [00:04:37] Taking responsibility as the ultimate trust builder [00:06:05] Client story: Shane's promotion after flipping competitive signals [00:06:47] Low value vs. high value: notice me vs. I notice you [00:07:50] Weekly challenge: practice one high value signal per day [00:08:13] How the Influence Index reveals your default signals A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠⁠unlockyourxfactor.com⁠⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠⁠artofcharm.com/intel ⁠⁠for a social intelligence assessment and discover exactly what's holding you back. Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠⁠makeheadway.com/CHARM ⁠⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? 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 Save more than fifty percent on term life insurance at ⁠⁠SELECTQUOTE.COM/CHARM⁠⁠ TODAY to get started  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. 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

In this episode of The Personal Finance Podcast, Andrew shatters the biggest lie about millionaires—that they're born rich or got lucky—by revealing that 80% built their wealth from scratch, with teachers, engineers, and regular folks who never earned six figures proving you don't need a trust fund to win with money. He exposes how real millionaires actually live: driving Hondas instead of BMWs, using coupons, and putting 17% of their income into boring index funds while everyone else chases get-rich-quick schemes that keep them broke. This episode cuts through all the financial noise to show you the four simple habits that create 80% of millionaire results, proving that building wealth isn't about being smart or lucky—it's about doing a few basic things consistently while everyone else gets distracted by shiny objects. Watch this episode on Youtube Get The 80/20 Millionaire 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 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  Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!    Links Mentioned in This Episode: A Masterclass on Investing in Individual Stocks with Brian Feroldi 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

Trigger Warning: This episode contains discussion of suicide and sexual assault. Please take care while listening. Ellee Duke grew up the picture-perfect Mormon girl, but after moving to Nashville for a record deal at 18, she began to question everything. Her story includes a relationship that turned abusive and the church's poor response, family struggling to make sense of her faith transition, and a lot of processing, healing, and reclamation through music. Join the Girlscamp: After Dark Patreon account ⁠here for two bonus episodes per month and more. For more Girlscamp content follow along on ⁠Instagram⁠, ⁠TikTok⁠ and ⁠YouTube⁠. For ad inquiries please email girlscamppodcast@gmail.com. Ellee Duke on Spotify Ellee Duke on Instagram Ellee Duke on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

The Serie A match between AC Milan and Napoli takes place on Sunday 28 September at 2045 CET at San Siro in Milan. 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? Who will score? Do you want to buy tickets for a Serie A match but don't know how? Well, Live Football Tickets is THE best place to find Serie A tickets. Tickets are often available for as little as £25, and sometimes for even less. Buying from LiveFootballTickets.com is totally secure and they even offer a 150% refund guarantee on ticket authenticity. So if you want to watch Juventus, or Inter, or Milan or Napoli, OR if you want to join Nima at a Pisa vs Lecce relegation dogfight, then Live Football Tickets is for you. To buy tickets to any Serie A match, simply click ⁠⁠⁠⁠LiveFootballTickets.com⁠⁠⁠ This is an extended clip from this week's free 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

Kim Wall was a fiercely independent journalist whose reporting spanned the intersections of identity, gender, culture, social justice, and global politics. Her life was tragically cut short in August 2017 when entrepreneur Peter Madsen brutally murdered her on board his submarine UC-3 Nautilus, which he built himself. Links mentioned in the episode: Kim Wall Memorial Fund: https://www.iwmf.org/programs/kim-wall-memorial-fund/ Remembering Kim Wall: https://www.rememberingkimwall.com/ A Silenced Voice, by Ingrid and Joachim Wall: https://www.amazon.com/Silenced-Voice-Life-Journalist-Wall/dp/1542018110 My guest for this episode is Alfred Dockery from Blue Ridge True Crime. https://www.BlueRidgeTrueCrime.com. 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

What if your emotions weren't problems to fix, but signals to guide you? Dr. Marc Brackett, founding director of the Yale Center for Emotional Intelligence and author of Permission to Feel and Dealing with Feeling, joins AJ and Johnny to break down why most of us were never taught real emotional regulation—and how to finally build it. Marc shares the RULER framework (Recognize, Understand, Label, Express, Regulate) and explains why emotional regulation is less about suppression and more about awareness, vocabulary, and strategy. From the “emotional budget” that gets depleted by sleep loss and stress, to the critical difference between anxiety, stress, and fear, this conversation reframes emotions as tools for better decision-making, relationships, and performance. If you've ever felt overwhelmed, mislabeled your emotions, or struggled to manage reactions in parenting, work, or conflict, this episode gives you practical science-backed steps to regulate instead of ruminate. What to Listen For [00:00:00] Why we're programmed early to self-sabotage and mismanage emotions [00:01:09] Why most of us were never taught emotional regulation—and why it matters [00:03:33] How emotions secretly drive decision-making, relationships, and health [00:04:59] The concept of an “emotional regulation budget” and why sleep, food, and stress deplete it [00:06:57] Why scheduling wellbeing time is as important as scheduling work [00:11:15] Why 80% of students dropped out of Marc's mindfulness study—and what it reveals about achievement culture [00:16:24] Why there's no such thing as a “bad” emotion and how reframing anxiety changes everything [00:23:15] The real difference between anxiety, stress, and fear—and why labeling matters [00:27:16] Parenting and co-regulation: how to model emotional regulation for kids [00:31:03] How childhood programming and self-talk sabotage our ability to cope [00:39:37] Building emotional vocabulary: inside the How We Feel app with 500+ emotion words [00:46:17] What to do when you're “flooded” and overwhelmed in conflict [00:48:55] The RULER framework explained: recognize, understand, label, express, regulate A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠unlockyourxfactor.com⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠artofcharm.com/intel ⁠for a social intelligence assessment and discover exactly what's holding you back. Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠makeheadway.com/CHARM ⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? 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 Save more than fifty percent on term life insurance at ⁠SELECTQUOTE.COM/CHARM⁠ TODAY to get started  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. Episode resources: MarcBrackett.com Dealing with Feeling 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

In this episode of The Personal Finance Podcast, Andrew exposes how credit card companies profit from keeping you trapped in 20-25% interest debt that can stretch a $10,000 balance into decades of payments, then reveals his tactical 6-step plan to eliminate that debt in under a year using balance transfer cards and finding just $875 monthly through expense cuts and side hustles. He breaks down why this isn't just about math but about reclaiming your peace of mind, your relationships, and hundreds of monthly dollars that can finally build wealth instead of enriching credit card executives. This episode delivers the exact roadmap to break free from the financial stress that's stealing your sleep and your future, with real strategies you can implement immediately. 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  Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Relevant Episodes: 10 Rules For Using and Maximizing Credit Cards! How to Master Credit Cards (and Beat The Banks!) How to Choose The Best Credit Card (Plus The Exact Credit Cards I Use!) 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

What if laughter wasn't just fun—but a social superpower? In this episode, AJ and Johnny unpack the science of laughter and why it's one of the strongest signals of connection, trust, and influence. Far more than a reaction to humor, laughter is a primal bonding mechanism that makes you more memorable, likable, and magnetic. They break down why people laugh even when nothing's funny, how laughter spreads through mirror neurons, and why it's one of the easiest ways to shift group dynamics in your favor. With insights from research in psychology and evolutionary biology, plus client stories, AJ and Johnny reveal how to use laughter as a tool—not a trick—for stronger relationships, better networking, and higher social intelligence. What to Listen For [00:00:00] Why laughter evolved as a bonding tool, not just a reaction to humor [00:01:12] The contagious effect of laughter and how mirror neurons spread emotion [00:02:43] Why people laugh to signal belonging—even when nothing is funny [00:04:11] The role of laughter in reducing tension and disarming conflict [00:06:05] Client story: how one simple laugh shifted a networking event [00:07:39] Why “fake laughter” still works to open doors [00:09:02] The difference between laughing with and laughing at—and why it matters [00:10:48] Laughter as a high-value signal of confidence and comfort [00:12:26] How to strategically use laughter to strengthen influence [00:13:57] Weekly challenge: practice laughter as a connector, not a performance A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠⁠⁠unlockyourxfactor.com⁠⁠⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠⁠⁠artofcharm.com/intel ⁠⁠⁠for a social intelligence assessment and discover exactly what's holding you back. Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠⁠⁠makeheadway.com/CHARM ⁠⁠⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? 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 Save more than fifty percent on term life insurance at ⁠⁠⁠SELECTQUOTE.COM/CHARM⁠⁠⁠ TODAY to get started  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. 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

In this episode of The Personal Finance Podcast, Andrew reveals five side hustles that could replace your day job income with real businesses that solve actual problems: how a $75,000 roll-off dumpster setup can generate $300,000+ annually, why job site cleaning requires minimal investment but locks you into $50,000-$100,000 contracts with single contractors, how AI implementation consulting lets you charge $200-$500 per hour with zero startup costs, the profit potential of mobile fuel delivery to fleets and marinas, and how selling mattresses by appointment nets $400 profit per 20-minute meeting by cutting out retail overhead. Each includes real startup costs, profit margins, and scaling strategies that could transform your financial future. 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  Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!  Links Mentioned in This Episode: 5 Side-Hustles That Can Turn into a Full time Income! 5 Side-Hustles That Can Turn into a Full time Income! (Part 2) 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 bonus episode is a companion to Episode 86, Sea Shanties and Tall Ships with Captain Tom Kastle. Please enjoy these three tracks: 1) Cold Winds 2) Rolling Home (Live) 3) The Bigler Please visit https://www.tomkastle.com for more about Captain Tom. 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

Tom Kastle has been a singer and folk musician for decades, traveling the world, collecting and performing maritime songs and stories, and captaining sailing ships on the Great Lakes. Onstage, he has performed theatrical roles ranging from musicals to Shakespeare and played a political pundit with the legendary Ed Asner in God Help Us! Tom is currently developing and touring two, one-man plays. For more about Captain Tom Kastle, please visit https://www.tomkastle.com. 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

Why do some people make every conversation better? Pulitzer Prize–winning journalist and author Charles Duhigg (Supercommunicators, The Power of Habit) returns to reveal the science behind connection that anyone can learn. In this conversation with AJ and Johnny, Charles explains why “super communicators” aren't extroverts or natural charmers—they're people who consistently use a handful of skills that make others feel smart, heard, and valued. From NASA astronaut interviews to speed dating experiments, Charles shares practical techniques like “looping for understanding,” perspective-getting, and callbacks that transform awkward or tense moments into genuine connection. Whether you're navigating conflict with your boss, strengthening friendships, or reconnecting with someone after years apart, these tools will help you communicate with intention, build trust, and leave every conversation stronger than when it started. What to Listen For [00:00:00] What makes a “super communicator” and why it's not charisma [00:01:22] The Dartmouth study on “high centrality” people who make teams gel [00:03:08] Why the best leaders ask instead of tell [00:04:19] Communication as a skill—not a personality trait [00:07:38] Laughter as a social signal, not just humor [00:09:34] Why friendships at work predict happiness and retention [00:15:14] How to start tough conversations with clarity and intention [00:23:05] Proving you listened: the power of looping for understanding [00:26:01] Why understanding each other matters more than agreeing [00:33:27] Three steps for navigating difficult conversations (deep question, declare intention, acknowledge discomfort) [00:42:24] How callbacks drive connection—from speed dating to parenting [00:45:55] Charles' daily practice for staying connected and curious A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠⁠unlockyourxfactor.com⁠⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠⁠artofcharm.com/intel ⁠⁠for a social intelligence assessment and discover exactly what's holding you back. Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠⁠makeheadway.com/CHARM ⁠⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? 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 Save more than fifty percent on term life insurance at ⁠⁠SELECTQUOTE.COM/CHARM⁠⁠ TODAY to get started  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. Episode resources: Charles Duhigg Supercommunicators: How to Unlock the Secret Language of Connection 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

This week Murray and RJ get into it. By it, I mean some pretty silly BS. We had a few discussions on Discord in our " Side Questions" channel that escalated past the usual ice breaking hypothetical nonsense. So, we're relitigating Centaur Cumberbuns, the pros and cons of becoming a Vampire (classic rules), and the culinary viability of various pokemon, among others. If you've got opinions, well, pop off. We're ready. 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

Why do some people rise effortlessly while others go unnoticed? Toby E. Stuart, Leo Helzel Distinguished Professor of Business Administration at UC Berkeley's Haas School of Business, joins AJ and Johnny to reveal how social status—not just talent—shapes careers, opportunities, and success. Drawing from decades of research on social networks and status dynamics, Toby explains why recognition compounds like interest, why affiliation often matters more than merit, and how “anointing” can quietly decide who wins in today's winner-take-most world. From Nobel Prizes to Michelin stars to online platforms like Yelp, Stuart uncovers the paradox of prestige: success is as much about who endorses you as what you achieve. He also explores the dark side of status—scams, pressure to maintain it, and the loneliness of reaching the top. If you've ever felt overlooked despite strong results, this episode exposes the hidden rules of the status game and how to finally play it smarter. What to Listen For [00:00:00] Why affiliation and endorsements boost status more than raw merit [00:01:17] The Matthew Effect: small early wins snowball into long-term success [00:03:14] How identity shapes evaluation—Lord Rayleigh's “voodoo science” story [00:06:05] Achieved vs. ascribed status and why both determine outcomes [00:08:32] Algorithms as modern gatekeepers of status [00:13:16] Why “anointers” now include platforms like Instagram, LinkedIn, and Yelp [00:17:26] How status transfers through networks like kinetic energy [00:23:25] The rise (and risk) of gaming the status system [00:27:42] The hamster wheel of high status: pressure, scrutiny, and imposter syndrome [00:33:42] Why authentic friendships become harder at the top [00:40:29] The future of status in the age of AI and algorithms A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠unlockyourxfactor.com⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠artofcharm.com/intel ⁠for a social intelligence assessment and discover exactly what's holding you back. Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠makeheadway.com/CHARM ⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? 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 Save more than fifty percent on term life insurance at ⁠SELECTQUOTE.COM/CHARM⁠ TODAY to get started  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. Episode resources: TobyStuart.com Annointed 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

In this episode of The Personal Finance Podcast, Andrew answers eight questions on tax strategies and retirement planning, covering when investment moves trigger taxes (depends on account type), tax loss harvesting for high earners, why the 75-80% retirement income rule uses pre-tax numbers but you should plan more conservatively, strategic Roth 401k timing in lower tax brackets, a TransUnion data breach affecting 4.4 million Americans, income thresholds where traditional 401ks beat Roth options (24-30% marginal rates), saving for kids' expenses using the five-year investment rule, emergency fund storage as rates drop, and comprehensive pension planning beyond just relying on guaranteed payments. Today we are going to answer these questions: Do you get taxed when moving money from one investment to another inside the same account? How does tax-loss harvesting work? Most retirement rules I've seen state that you want 75 to 80% of your pre-retirement income. Is that before or after taxes? Should you max out a Roth 401(k) in the first quarter of the year because of the lower marginal tax rate? At what annual income should someone avoid a Roth 401(k) and do traditional for tax purposes? Putting money away for kids' wedding, cars, etc.—for when they get older. HYSA or brokerage? What are the best high-yield ways to store an emergency fund? How to plan for retirement with a pension?   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  Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!    Links Mentioned in This Episode:  tax loss harvesting,  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

Do you avoid conflict—or use it to grow your influence? In this episode, AJ and Johnny share a science-backed framework for conflict resolution that transforms tense moments into opportunities for trust and leadership. Drawing on John Gottman's research on relationships and Google's Project Aristotle findings on high-performing teams, they reveal why conflict isn't a problem to eliminate—it's a chance to deepen respect and build long-term influence. You'll learn a step-by-step system to handle everyday workplace and relationship conflicts without burning bridges: lead with value, accept responsibility, show empathy, and present solutions that create buy-in. With stories from clients like Marcus, a consultant at BCG, AJ and Johnny show how mastering conflict resolution can make you the person others turn to when stakes are high. If you've ever felt conflict-averse, this episode gives you practical tools to stay calm, confident, and in control. What to Listen For [00:00:00] Why avoiding conflict costs you influence [00:00:56] How conflict avoidance limits your “career chessboard” moves [00:01:27] The science of conflict: shifting from “me vs. you” to “us vs. the problem” [00:02:43] The High-Value Conflict Framework explained [00:03:28] Step 1: Lead with value to disarm defensiveness [00:03:54] Step 2: Accept responsibility without weakness [00:06:23] Step 3: Use empathy and “we” language to build trust [00:07:26] Step 4: Present options, not ultimatums [00:09:18] Why well-resolved conflicts create stronger bonds [00:11:03] Client story: how Marcus became the go-to conflict solver [00:11:29] Why mastering conflict is the ticket to influence A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠unlockyourxfactor.com⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠artofcharm.com/intel ⁠for a social intelligence assessment and discover exactly what's holding you back. Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠makeheadway.com/CHARM ⁠and use my code CHARM for 25% off. Ready to turn your business idea into reality? Sign up for your $1/month trial at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Need to hire top talent—fast? 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 Save more than fifty percent on term life insurance at ⁠SELECTQUOTE.COM/CHARM⁠ TODAY to get started  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. 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

In today's episode of The Personal Finance Podcast, we will talk to Derrick Kinney about Money Expert Why You Should Give Before You're Rich . He reveals why starting with generosity unlocks exponential wealth growth, sharing how a burned-out manufacturing owner increased sales 20% in three months by connecting his business to funding an overseas schoolhouse. Kenny breaks down his "Good Money Framework" that flips traditional financial advice by using purpose as motivation, explains why Harvard research shows spending even $5 on others creates measurable brain satisfaction that spending on yourself can't match, and provides his 30-minute daily income strategy that helped clients earn $25,000+ raises by focusing on company value creation rather than begging for standard cost-of-living increases. Plus, Kinney introduces his Simple Teen Success program addressing the communication crisis where 80% of teens avoid talking to adults, sharing proven scripts for engaging adults at Target encounters and sporting events that unlock scholarships, internships, and opportunities most teens never access. 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  Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!    Connect with Derrick Kinney: Simple Teem Success Website Success For Advisors Website Derrick Kinney Website Linkedin Facebook Instagram 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

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

In this episode of The Personal Finance Podcast, we break down the Wealth Flywheel system—a framework for building assets that generate exponential momentum through cashflow reinvestment, covering how real estate rentals, subscription businesses, and dividend stocks create self-sustaining wealth machines that start slow but eventually replace your active income. We explore 15+ different flywheel types from single-family rentals to franchise ownership, walk through the 5 phases every flywheel goes through from ignition to freedom, and provide the exact 8-step blueprint to calculate your financial independence number, automate your wealth gap, and stack multiple flywheels until they generate enough passive income to achieve financial independence. Get The Wealth Flywheel 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 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  Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!    Links Mentioned in This Episode: Your First Million Is The Hardest (Here is How to Do it!) How to Buy Then Build a Business with Walker Deibel How to Invest More Outside of Retirement Accounts, 529 Strategies, & Dividend Growth - 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

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

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