Podcasts about TMI

A Mediocre Time with Tom and Dan — Episode Notes Episode: "Feathers and Bubbles" Hosts: Tom and Dan | Guest: Seth Petruzelli Sponsors / Ad Reads JustCallMoe.com — recording studio sponsor read at the top of the show; also plugged later as the presenting sponsor of the upcoming Tom and Dan Cruise. The Bart Marek Team (Bart Marek and Crystal Vann) — two full-time, experienced Florida realtors based in Clermont, offering "two-for-one" service for buying or selling; a personal testimonial about them helping sell a family member's house in St. Augustine; barttherealtor.com, call or text either agent directly. Fairvilla Megastore — sexual wellness superstore with multiple locations, described as having modern/high-tech products, costumes and lingerie for Halloween, Fairvilla University online educational courses, and a discreet "Secrets Hideaway" section; fairvilla.com. Don Mealy Chevrolet (Clermont) — longtime advertiser; contact GM JC Harrelson and mention Tom and Dan; plugged for Corvettes, trucks, and used vehicles, with a personal note about owning a Silverado and Traverse from them; DMChevy.com. Segment Rundown Cold open, grooming talk — Tom and Dan welcome Seth Petruzelli to the couch and razz him about his beard and blow-dried hair; a tangent on straighteners vs. blow-dryers leads into a bit about their wives' expensive Dyson hair tools. Recent celebrity deaths — The hosts run through a rough week of deaths, including Tim Curry, Dolly (referenced briefly), and the voice actor of Optimus Prime, riffing darkly on average lifespan. Seth's chronic chaos — Running bit that Seth is perpetually running late or juggling a crisis; today it's his dog and a vet appointment, plus it's revealed to be Seth's birthday. Seth's dog and Disney cruise — Seth brought his dog Rocky (a different Rocky than Tom's) on set; talk turns to Seth boarding him for four nights while Seth takes his first vacation in two and a half years, a Disney cruise with his wife and daughter Vera. Tom's dog Rocky and pet talk — Tom shows off his own dog Rocky on stream, admits he's been neglecting him since focusing on his young daughter, and the group jokes about pushing Tom's son Tommy toward wanting a dog or cat despite Tracy's reluctance. Karate class standards slipping — A tangent from the dojo talk about how kids today can't finish basic requirements (like a brown belt or three months of consistent training), tying into a broader "everything is getting weaker/no consequences" complaint, including schools making gym-class changing rooms optional now. Locker room embarrassment nostalgia — The hosts and Seth swap stories about being self-conscious getting undressed in front of others as kids and in a pro arena-football locker room as an adult. Seth's MRI/health update — Seth shares that he got a full-body MRI, compared it to one from two years prior, and got mostly good results except his prostate being "large side of normal." Seth's dojo being demolished — Seth explains his dojo's building is being torn down and he must vacate by November; he's negotiating a new space, planning to use students to help move (in exchange for food/drinks), and reflects on a black belt who's been especially helpful. Should Seth do a GoFundMe? — Debate over whether it's in good taste for a business to crowdfund when forced out by demolition, referencing a nearby business owner doing the same; jokes about a bikini car wash and a "GoFundMe vs. crowdfund" distinction (charity vs. general fundraising). The actual dojo car wash fundraiser — Dan recounts attending a real car-wash fundraiser for the dojo, paying more than requested because the kids did a thorough job. Daughter's Taco Bell complaint — Dan tells a story about his daughter filing an online complaint after Taco Bell repeatedly forgot part of her order. Joke about Seth's finances — Riffing on the idea that no one will donate to a GoFundMe for someone with a lakeside mansion, a boat, and a nice car, including a bit about trading in a BMW for a Hyundai. Dojo move logistics and mock fundraiser pitch — More detail on moving costs (a mirror company hired just to transport dojo mirrors, a dumpster for old equipment); the group jokingly pitches an absurd "buy a black belt" crowdfunding tier system, with Seth explaining the real distinction between an official ranked black belt and a "junior/in-house" one. AI in podcast production — The show discusses no longer paying a human for intro songs/jingles, now using AI for notes and occasionally songs (though they still do some manual ones too), and debate the line between AI convenience and "authenticity" compared to corporate radio. Prostitution sting debate — Sparked by 49ers owner Jed York's prostitution-sting arrest and a local Altamonte Springs sting ("Operation Midnight Heat," 37 arrests), the hosts argue undercover prostitution stings are a poor use of police resources compared to focusing on predators of minors, and make the case for regulating/legalizing sex work. Caller: Concrete Mike, prostitution talk — Concrete Mike calls in about hiring escorts for parties in the past; the call is plagued by a bad phone connection and cuts out repeatedly before the hosts move on. GTA 6 leak coverage — Detailed rundown of hacker "Cyber Leak's" leaked GTA 6 footage (starting August 18), new gameplay features (six-star wanted system, stamina and car-gas meters, a karma system, Red Dead-style bullet-time aiming), a leaked nudist-area clip, and a somber aside about how hyper-realistic "living a second life in a game" can feel. GTA franchise money talk — The hosts look up that the GTA franchise has made $11 billion total, with GTA 5 alone earning $815 million in its first 24 hours; confirmed November 19, 2026 release date for GTA 6. Caller: "J Volvo" — A young-sounding caller who turns out to be a 40-year-old Marine and brown belt calls in as a bit, pitching a "Fit Tom Fridays" 5K fundraiser idea for Seth's dojo; the hosts jokingly induct him as a rookie "cop" character and enjoy the surprise live call. New "Stage" Rock Band reboot — Discussion of an upcoming Rock Band-style rhythm game launching in December, with nostalgia about old Rock Band parties, and a broader riff on short attention spans/endless content (dating apps, streaming, mobile games) making it hard for any single game to hold interest. Six Flags roller coaster aneurysm story (teaser + full segment) — After a break, the hosts cover two women who suffered brain aneurysms riding Six Flags' X2 roller coaster, show POV footage of the ride's uniquely independently-spinning carts, and speculate (semi-jokingly) about the physics/anatomy behind why it happened. Flatulence and bathroom health talk — A crude tangent connecting back to Seth's MRI story, where he and the others discuss holding in gas, bowel habits, and general bathroom TMI. Voicemail: grandma question (Amedeus, Fort Myers) — A caller references a past on-air comment and asks which grandmother the hosts would rather "embarrass" in front of; leads to a riff on generational/cultural stereotypes about tougher vs. softer grandmothers. Voicemail: convenience store "big black mama" story (Debary Joe) — A caller shares a heartfelt/funny anecdote about a stranger's kindness at a gas station after a rough day, prompting brief pushback from a host about the framing of the story. Mad honey discussion — Seth explains he bought "mad honey" (a hallucinogenic honey from Nepal) and plans to have his wife try it first; the hosts detail its origins, effects, dangerous dosing risks, its history as an ancient biological weapon, and its recent viral popularity via a Joe Rogan clip. Nepal flooding aside — A brief, more serious detour about real disaster footage of catastrophic flooding in Nepal that circulated online. Psychedelics and mental health tangent — Talk shifts to Kratom, mushrooms, microdosing, and studies on psilocybin therapy for PTSD/anxiety; Seth admits he's more afraid of a mushroom trip than he ever was fighting professionally (referencing his MMA background against opponents like Kimbo Slice and Bob Sapp). Voicemail: adult content from caller "Mike" — A caller shares an explicit story from his younger years about hiring escorts for group parties at his house; the hosts summarize and react without repeating graphic detail. Voicemail: workplace exorcism question (BDM, Jacksonville) — A caller asks if anyone has heard of a business getting an exorcism, sparking a broader discussion about corporate superstition (feng shui, sage smudging, "energy"), with the hosts drawing a line between supernatural belief and legitimate ideas like attitude/mindset affecting outcomes. Voicemail: "Pure Pod" gadget — A caller points out that a produce-washing gadget advertised online is basically a vibrator; the hosts confirm the device is a real product marketed to skirt platform rules around selling sexual wellness items. Voicemail: old photo in ski resort system — A caller shares that a modern ski resort pulled up his decades-old childhood lift-ticket photo from a previous owner's records, leading to a discussion about how far back companies' digital recordkeeping goes and some personal skiing stories from the hosts. Dojo move update and wrap-up — Seth gives a final update: staying within a 3-mile radius under the new name "Soto Dojo," reviewing a lease, and dealing with a landlord dispute over alleged unpaid utility charges/liens the show insists were never billed properly. Studio/podcast future plugs and cruise pitch — The hosts float building a future glass-walled studio, mention recent released interviews (Patrick Warburton, Lorenzo Lamas), and give a detailed pitch for the upcoming Tom and Dan Cruise, including perks, cost, and booking details, before signing off. Key Dates / Plugs Mentioned November 2026 — Seth must vacate his current dojo location due to the building being demolished. November 19, 2026 — GTA 6 release date (confirmed unchanged despite ongoing leaks). December (2026) — New "Stage" Rock Band-style rhythm game launches. Ongoing — Seth relocating his dojo to a new spot within a 3-mile radius, tentatively named "Soto Dojo"; lease still being finalized. September 23–27, 2027 — Tom and Dan Cruise aboard the MSC Seashore (Thursday–Sunday), stopping in Nassau and a private island; includes unlimited drink package and free Wi-Fi for two, a live podcast taping, birthday party, and gambling night; $200 fully refundable deposit holds a spot, with payment installments available through Ahoy Cruises; presented by JustCallMoe.com. Recently released — New Patrick Warburton interview episode and a Lorenzo Lamas interview from the previous night. Notable Guests/Callers Seth Petruzelli — In-studio guest; martial arts instructor whose dojo is being forced to relocate. Concrete Mike — Phone-in caller; connection was too poor to complete his story. "J Volvo" — Phone-in caller; a 40-year-old Marine and brown belt who called in as a bit. Amedeus (Fort Myers) — Voicemail caller with a grandma-themed question. Debary Joe — Voicemail caller sharing a convenience-store story. Mike — Voicemail caller sharing a story from his past. BDM (Jacksonville) — Voicemail caller asking about a workplace exorcism. Unnamed caller — Voicemail about the "Pure Pod" produce washer. Unnamed caller (37 years old) — Voicemail about an old childhood ski resort photo resurfacing. ### Website: https://tomanddan.com/ App: https://tomanddan.com/app Become a BDM: https://tomanddan.com/registration Merch: https://tomanddan.myshopify.com/ YouTube: https://www.youtube.com/@TomandDanLive Twitch: https://www.twitch.tv/tomanddanlive Facebook: https://www.facebook.com/AMediocreTime Instagram: https://www.instagram.com/tomanddanlive/ X: https://x.com/TomAndDanLive TikTok: https://tiktok.com/@tomanddanshow Reddit: https://reddit.com/r/tomanddan ACT RSS: https://feeds.libsyn.com/61976/rss AMT RSS: https://feeds.libsyn.com/18904/rss

TWS News 1: Dolly Parton’s Passing – 00:24 For King & Country on Dolly – 3:20 The Celebrity Death that Affected You – 9:09 TWS News 2: Premium Parking – 14:11 Reunited with Pets – 17:53 The Scoop: Good First Date – 23:07 TMI – 25:55 How Your 40s Are – 31:24 Rock Report: Dolly’s Legacy – 37:58 Breakup Advice Email – 40:53 Email – 48:13 You can join our Wally Show Poddies Facebook group at www.facebook.com/groups/WallyShowPoddies This podcast is crowd funded - that means that you help make it possible. If you like it and want to support it, give here.

Women's health is too important to whisper about—and too complicated for easy answers. On Group Text, Melissa Rivers brings the conversation out into the open, tackling the topics women are talking about privately but deserve to discuss publicly. From hormones and menopause to mental health, aging, sexual health, wellness, and everything in between, Melissa and her expert guests cut through the noise with honest conversations, insight, and plenty of humor.Think of it as the group text you actually want to be part of: candid, curious, sometimes funny, and always real. Because when it comes to women's health, there's no such thing as TMI. This podcast is a Hurrdat Media production. Hurrdat Media is an Omaha-based digital media company specializing in podcast production, video production, and digital content. To learn more about our services, visit HurrdatMedia.com. For more local stories, original podcasts, and video content, subscribe to the Hurrdat ONE YouTube channel. Learn more about your ad choices. Visit megaphone.fm/adchoices

Nikki & Brie are back side by side for a catch-up that goes from surprisingly deep to completely ridiculous in record time. The twins get real about independence, relationships, and why finding peace on your own can change what you're willing to accept from other people. But this is Nikki & Brie, so the conversation quickly spirals into viral Bobby pin experiments, Nikki's questionable online shopping, their kids telling wildly creative stories, Gen Z trading smartphones for flip phones, and a debate over teaching children to set boundaries. And just when Brie thinks she's safe, Nikki brings up that embarrassing story again. Press play for sisterhood, real talk, big laughs, and absolutely no shortage of TMI. Call Nikki & Brie at 833-GARCIA2 and leave a voicemail! Follow Nikki & Brie on Instagram, follow the show on Instagram and TikTok and send Nikki & Brie a message on Threads! Follow Bonita Bonita on Instagram Book a reservation at the Bonita Bonita Speakeasy To watch exclusive videos of this week's episode, follow The Nikki & Brie Show on YouTube, Facebook, and TikTok! You can also catch The Nikki & Brie Show on SiriusXM Stars 109! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Brie is finally back in the pod room with Nikki and has A LOT to catch everyone up on. From navigating recovery after her injury and starting physical therapy to one very TMI hospital story she'll never live down, nothing is off limits. The twins also talk Nikki's new approach to character work and why she's having way too much fun stirring things up online. Plus, they get into their latest TV obsessions, AI's impact on the environment, and the importance of focusing on what you can control when life throws you a curveball. Press play for chaotic, yet, much needed catch up! Call Nikki & Brie at 833-GARCIA2 and leave a voicemail! Follow Nikki & Brie on Instagram, follow the show on Instagram and TikTok and send Nikki & Brie a message on Threads! Follow Bonita Bonita on Instagram Book a reservation at the Bonita Bonita Speakeasy To watch exclusive videos of this week's episode, follow The Nikki & Brie Show on YouTube, Facebook, and TikTok! You can also catch The Nikki & Brie Show on SiriusXM Stars 109! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

"Don't let bodily things make you not show up." Welcome to the fourth episode in a new series on the Ali on the Run Show called "No Stupid Questions." This is where experts come in to answer everything you've always wanted to ask about running. Eric Jenkins and Aisha Praught Leer kicked off the series answering questions about professional running (and so much more); Jinger Gottschall, New Balance Director of Sports Research, answered questions about shoes and sports bras; and professional runner and coach Kim Conley offered loads of advice about how to be a better, stronger, faster, happier runner.  Today, we're talking TMI, with the always honest, always unfiltered Ashley Desanno, content creator and cofounder of the Creepy Book Club. Ashley is a mom to two teenage boys. She lives in Oregon, and she's been running for more than two decades. In this episode, we're here to assure you that with runners, there's no such thing as too much information. But if you have questions about bathroom emergencies on the run, chafing, underwear, and more — and we know you do — this episode aims to talk about it.  SPONSOR: New Balance. Click here to get your hands on the just-released SC Rebel. You're going to love it! IN THIS EPISODE: How to deal with GI stuff on the run (10:00) Underwear, going commando, and more (32:25) Skin, sweat, and chafing (41:00) …and more (54:00) Follow Ali: Instagram @aliontherun1 Subscribe to the newsletter Join the Facebook group Support on Patreon SUPPORT the Ali on the Run Show! If you're enjoying the show, please subscribe and leave a rating and review on Apple Podcasts. Spread the run love. And if you liked this episode, share it with your friends!

Welcome back to The Groupchat besties!!!In The Groupchat, we share some of your TMI & embarrassing stories that always leaves us on the end of our seat and crying of laughter! We share our advice around YOUR dilemmas and help you navigate different situations in life from dating, friendship, family, life & everything in between! As always your secret is safe with us and whatever happens in The Groupchat stays in The Groupchat!If you'd like to join The Groupchat and share any TMI stories, have your say in our dilemma debates or need any advice please DM or email us from the below: Instagram: @thegroupchatEmail: hello.thegroupchatpodcast@gmail.comFollow us on Tiktok: @the.groupchatpod Our Youtube Channel: @mesciatwinsfollow Liv on socials: Instagram: @oliviamesciaTiktok: @oliviamesciafollow Ash on socials:Instagram: @ashleymesciaTik Tok: @ashleymesciaOur small business: www.myvintagepleasure.comSee you next Thursday xx*We'd like to acknowledge the traditional custodians of this land in which we are able to record this podcast. We would like to pay respect to elders past, present and emerging and any aboriginal and Torres Strait Islander people here today.*

Spoilers, profanity, Jaime x Brienne. Theon struggles with his captivity, phantom "limb" syndrome, and a lot of TMI. What's Barbrey Dustin really up to? Not only does everyone peak in high school in Westeros, but they've had the same top 40 for the past hundred years. Meanwhile we have further evidence that GRRM just really has no understanding about female anatomy. A Song of Ice and Fire. A Dance with Dragons - The Turncloak (Theon V). Originally recorded in 2019. Close The Door And Come Here - Episode 648

Even in public? So today we had some more poo chat (you may think it's TMI, we think it's important to discuss the things that happen to our bodies!) and it sparked a little debate on what feels more comfortable... even when you have to let lose away from home

First and foremost- IF YOU NEED HELP, PLEASE REACH OUT! THERE IS ALWAYS ANOTHER OPTION!!!Call 988 from any cellphone, or go to https://fightstory.org/ to get the support you need.You are loved. You matter.#ImNoJoePodcast We have been trying to find time to sit down & have a good old fashioned Round Table style conversation about some of the things happening in the MMA world. We're going to try to sit down & do this once a month with a rotating cast of punchy kicky folks, and then upload them on the first Monday of the month for you guys to enjoy.Unscripted & unfiltered, these are our thoughts on the event as a whole, and how we move forward as a fandom...Our dear friend Ed has finished his battle. Please help us ease the burden on his wife MiMi to take care of his final arrangements.https://www.gofundme.com/f/edward-kapps-funeral-expenses#FuckCancer#ImNoJoePodcast Don't forget about our Tapology Fight Picks! Not the competitive type? Don't worry. The group on Tapology.com (ImNoBookie or Group#965) is where we can make & compete with our picks for all major fights, as well as just see how we all picked vs the results. The site keeps stats & will potentially let us compete head-to-head with each other AND YOU, the fans, if that's your cup of tea! Join in on the fun! #ImNoJoePodcast To honor our fallen friend Rye, please go watch the TMI episode we shot with him and leave some love. https://www.youtube.com/watch?v=2JkCWj1CuMA#RIPVapeRye #BeLikeRye Show Links- https://linktr.ee/imnojoeThe Crew's Socials- TJ: https://www.youtube.com/c/GolfTeeVapes & https://www.instagram.com/golfteevapes/Justin: https://www.instagram.com/flint_lock1/Christian: https://www.instagram.com/slowbake_420/ The SlowBake & Contemplate Podcast: https://www.spreaker.com/show/slowbake-and-contemplate Meter: https://linktr.ee/TheMeterDoesManyThings & https://linktr.ee/imnojoeYou can also join our Patreon & help support the show here: https://www.patreon.com/ImNoJoePLEASE know that any and all donations are non-refundable, so make sure it's what you want to do before you click Send.That being said, I appreciate each and everyone who supports the me in ANY way, be it sharing a stream or donating, or even just hanging out in chat. Thank you to each and everyone who helps out. I appreciate you all.Be safe everyone! Wash your hands, and help someone just to do it.#StayHomeIfYoureSickComeOverIfYoureThicc ;)

Long-Game Parenting with Elizabeth Pehrson (Episode 295)   Exodus 23:20 NLT “See, I am sending an angel before you to protect you on your journey and lead you safely to the place I have prepared for you.”   *Transcription Below*   Elizabeth Pehrson is a speaker, podcaster and founder of The Exchange. She's a yellow sanguine, who is full of energy and lives life wide-open! She loves Jesus and meaningful connections. Elizabeth is married to David and mother of EIGHT children, who range from high school to graduated from college.   Follow her online:  Instagram: @long_game_parenting or @octomama or @theexchangeus Facebook: https://www.facebook.com/elizabeth.m.pehrson   Thank you to our sponsor: Sam Leman Eureka   Questions and Topics We Cover: What is our role, as parents, in making an effort to help our children have a positive relationship with their siblings? What are ways we can positively shape our children to have strong and healthy relationships with friends?  How can we help our children uncover, articulate, and pursue their purpose in life?    Other Savvy Sauce Episodes Mentioned: 74 Effective Parenting for Toddlers Through College with Wife, Mother to 8, and The Exchange Founder, Elizabeth Pehrson Part 1  75 Responding to God's Stirring with Elizabeth Pehrson, Founder of The Exchange, Part Two God-honoring Relationship Between a Mother-in-Law and Daughter-in-Law with Author of The Mother-in-Law Dance, Annie Chapman   Connect with The Savvy Sauce on Facebook or Instagram or Our Website   Gospel Scripture: (all NIV) Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”    Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”    Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”    Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”    John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”    Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   *Transcription*   Music: (0:00 – 0:10)   Laura Dugger: (0:11 - 1:54) Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here. The principles of honesty and integrity that Sam Leman founded his business on continue today, over 55 years later, at Sam Leman Chevrolet Eureka.   Owned and operated by the Bertschi family, Sam Leman and Eureka appreciates the support they've received from their customers all over central Illinois and beyond. Visit them today at lemangm.com. My returning guest for today is the very energetic, married mother of eight, and founder of The Exchange, Elizabeth Pearson.   I highly recommend that, first of all, you find the link in the show notes to start with our first two episodes together that we did a while back. They focus primarily on raising younger children, but today we're going to focus on parenting teens and beyond in hopes of launching faithful and healthy adults someday. So, with that goal in mind, we're going to begin by discussing relationship-building strategies to foster a life of rightly ordered affections, where we're all loving God and loving others as ourselves.   Then we're going to move into some more actionable ways to ensure our family delights in the abundant life in Christ. Here's our chat.   Welcome back to The Savvy Sauce, Elizabeth.   Elizabeth Pehrson: (1:55 - 1:57) Well, thank you so much for having me. What a joy.   Laura Dugger: (1:58 - 2:23) Well, I'm just going to start with something that's a little tricky because we obviously cannot control the outcome, but we can be faithful to our calling as parents. So, Elizabeth, do you have any practical tips for helping our children rightly order their affections so that they'll hopefully grow up to love God?   Elizabeth Pehrson: (2:23 - 4:52) Yes. I appreciate you asking with the disclaimers because I do think that that's an important thing because, first of all, I just want to say that I hope that every single woman listening can understand, believe, and trust that God loves our children way more than we do. And as much as we want to control the outcome or guarantee the outcome with our children, we can't.   All we can do is just be faithful to the children that God's entrusted to us. And when it comes to ordering our children's affections, I would basically just say it can't be forced. It can't be image-driven.   And I say that because, unfortunately, I see that a lot in Christian homes today, a lot. And I think one of the most helpful shifts for me in realizing that I cannot control anything when it comes to my children is that I can shape the environment where their loves are formed. That's one thing that is in my control.   That is something that I can do. And a few practical ways that you can do this, and first I'm going to say this a lot, the most important things that we can offer our children are caught, they're not taught. And we have to model it more than we preach it because our children are incredible observers.   And they notice what we prioritize. They notice what interrupts us. They notice what doesn't interrupt us.   And if God's something we only talk about on Sundays, then they feel that. But if they see us turning to Him when we're anxious, when we're grateful, when we're confused, they start to associate God with real life, not just rules. And second, I would just say, I think it's super important to help our kids understand what's worthy of love, right?   I mean, I think we should talk openly with our kids about sports, friends, achievements, you know, how those can be gifts, but they are terrible gods. And also, that they're very, very, very short-sighted. It's not typically, I would say, not typically the so-called bad things that are stealing our affections.   It's usually the good things that are just not often the best things. And so that I would say, like when I watch my children, oftentimes it would be them loving a good thing too much, you know. Most importantly, I would just say that if our kids or your kids or the listeners' kids grow up knowing the heart of God rather than the rules of God, I think their affections will know where to turn.   Laura Dugger: (4:53 - 5:04) Oh, that's so well said. And do you have any ideas for characteristics that will help foster a healthy parent-child relationship?   Elizabeth Pehrson: (5:05 - 8:07) Oh, goodness. I would say, you know, so many things. I think children thrive when they feel safe, when the home feels predictable, when it feels secure, and especially when we listen more than we lecture.   You know, when we can do that, they will feel understood and they won't feel constantly corrected. You know, I grew up in a home that I'm very grateful for, but in my home, love often felt transactional. If I did this, then that.   But, you know, we all know that love isn't something that is earned. You know, it's freely given. And so, our love and affection should never be tied to performance or behavior.   But again, unfortunately, what I see on a regular daily basis is that moms are more codependent on their children than ever before. And because of that, they see their children's behavior as a reflection of themselves. And so that love can become a little bit transactional.   But I would say, practically speaking, I think there's lots of things that encourage a healthy parent-child relationship. And, you know, we could go through a whole list of these things. But the first thing I would say is not being their friend yet.   Down the road, but not yet. You know, we'll have time for that later. But if we treat them as peers right now while they're in the home, authority isn't a value at all that is taught to be respected.   It isn't. And, you know, another thing would be just basic consistent boundaries because structure is actually what creates freedom, right? Open communication, you know, where hard conversations can be had.   And I'm going to tell you, this is something that we were not the best at, but we found ourselves consistently apologizing for, you know, avoiding that hard conversation and then having come back to it. That was a big one. You know, repair after conflict.   That's huge because it is so important for our kids to see us model, you know, owning our mistakes, apologizing for it, you know, when we mess up because that teaches the kids that our relationships can bend without breaking. And the last thing I thought of when I thought about this question was respect for autonomy. And I say that because healthy relationships are ones where we allow our kids to grow and evolve.   But a lot of times we want to keep them stuck in whatever that age, whatever that stage is. And children need to be allowed age-appropriate independence. They need to be allowed age-appropriate freedom, you know, constantly just letting that rope out little by little by little and, you know, knowing that parents eventually will just get to the place where they can guide mentor without instructing, you know, our, our goal for them is their own autonomy and their own independence.   Laura Dugger: (8:09 - 8:28) That's so good. It makes me even think recently I was reading something about leave and cleave and leaving is breaking all dependencies. And I thought that's kind of the kindness of the Lord that we do that a little by little.   Every year, probably of parenting.   Elizabeth Pehrson: (8:29 - 9:51) Oh, it's, it's the truth. And it's interesting that you say that because one, we have an 18-year-old boy that's graduating. And my husband and I were just talking, we think it's the goodness of the Lord because what we've noticed, not disrespect, but just this pulling away as he's, you know, nearing graduation, really wanting more independence, not necessarily telling us where he's going to be just, you know, he's not going to be able to go to college.   And then we're like, “Oh, I went to so-and-so's house.” And after the fact, and in, in a way when our first son started doing that, I was like, “You know what? He's not, he still lives in this, you know, in this home under this roof.”   But it's like my husband said, “You know, it's almost like God's goodness that allows him to pull away a little bit, a little bit, a little bit. So that when he does leave in August, end of July, It makes it a little bit easier. You know?”   And then that leave and cleave thing, you said, “I have a son that lives in Houston and he's the lead part just fine, independent, separate, but now he's cleaving to someone else as he's met a girl and that part has been hard for me.” It's like, whoa, like that's a whole, that's like next level, you know, where they no longer, you're no longer the one they call for advice. You're no longer the woman in their life, so to speak.   And so, it's been a lot of growing pains, but it's all, again, it's exactly what God designed when we raise our kids.   Laura Dugger:: (9:51 - 10:28) But you're right, it's both and it's beautiful, but it's hard and very difficult to go through. It makes me think one of my top 10 of all-time favorite episodes was with Annie Chapman and she wrote the mother-in-law dance. And so, I'll link to that episode as well in the show notes, but I think it was very helpful for even preparing now what that's going to look like someday.   Yep. But as we come back to focusing on today, Elizabeth, what is our role as parents in making an effort to help our children have a positive relationship with their siblings?   Elizabeth Pehrson: (10:29 - 14:01) Oh, goodness. Having eight children, you know, they have a lot of siblings and ever since our kids were little, David and I just have prayed over and over and over again, one, that they would know, love, and serve God, two, that they would stay close to each other, and then three, that they would seek joy in everything they do. And so, because one of our prayers is that they would stay close to each other, we did everything we could to shape environments that fostered connection with their siblings, with each other.   And that could look like we moved their rooms a lot of times, like who they shared with at different seasons of their life. We mixed them up with different brothers or different sisters, outings or trips where we would take just a couple of them, not all of them, but we mixed that up. You know, we never, ever, ever put up with disrespect or mistreatment of each other.   That one is a huge one, or their belongings for that matter. But that's so important not to allow your children to offer disrespect or display disrespect to their siblings. A lot of people think, oh, it's just their kid, you know, their siblings, they feel most comfortable with him.   That's totally normal, but it really does start at home. Another thing I think of is that we talked as a whole, our family as a team, as a unit. You know, we were a family unit.   It's not like one pitted against the other. We were on the same team. And although if my children were here, I am certain that one or more of them would say that they felt compared to at times, but we really did our best not to compare our children because comparison breeds rivalry faster than anything.   It really, really does. And we also tried to think about each individual child, you know, like, hey, this is your unique gift. This is your strength.   This is an asset, you know, an asset to the team, not just to you individually, but as a family as a whole. And the last thing I would say is everyone laughs because we had family A and then we had family B. And that's the first four kids and the second four kids.   And we taught them to serve each other. You know, the older kids were paired with the younger child, a younger sibling, and they had to help them. Sometimes it wasn't even help serving them, but it was doing a chore together.   We'll get to this later, I think. But chores are huge in our home. And when they turn nine, they have to mow the yard.   And we had we lived on three and a half acres. And so, we had a riding lawnmower. And when my nine-year-old son, my third son turned nine, he wasn't quite heavy enough to keep the mower going, you know, because you have to be heavy enough.   Otherwise, it shuts it off. And when he would lean to put his foot on the gas, it would shut it off. So, my three-year-old boy, his chore was to sit behind him and just hold on, you know, for the hour and a half it took him to mow the yard.   And, you know, we paired them together a lot. But at the end of the day, we can require respect, but we just can't force friendship. I have two daughters that are only 15 months apart.   When they were little, they were attached at the hip. I mean, where one went, the other one went. But now that they're older and they're both in college at the same college, their personalities are very different.   Their interests are very different. And they aren't as close as they once were, but they love each other. They respect each other.   And, you know, we just have to be OK with that, you know.   Laura Dugger: (14:02 - 14:40) That makes sense because there's different seasons to everything. I think you can see that with siblings who pair up with each other. And I'm sure that changes throughout their whole life.   Yeah, I want to go back. There's a few things that I want to follow up on. One of them was codependency with mothers and their children.   And the other one is already escaping me now. So, I'll try and recall that one. But can you share a little bit more of either why you think it is that way more today or what that might look like if we're codependent with our children and maybe unaware of that?   Elizabeth Pehrson: (14:41 - 16:35) All I can say is that I meet with women on a regular basis and 9.9 times out of ten there, they see their children as a reflection of themselves. So, when they make wise choices, they tend to tend to get puffed up. When they don't, they kind of bow back in shame or regret.   Or I can't believe this. But the truth of the matter is they are independent, you know, separate from you. And most moms don't know where they end and where the child begins.   We're entering graduation season. And I cannot tell you the number of moms that are like, “Oh, oh, this is so hard, this graduation thing.” And I'm like, but you're not graduating.   Like, you know, the kids have the responsibility of all the different things they have to do. But you don't. They've already you know, you've already graduated.   Let them enjoy this separate from you. But they can't do it. They're a part of every single aspect of their daughter or their son's life.   And when that happens, you know, every home run is so important. Every grade they make is so important. And I am all about long, long term, you know, long term parenting.   And it is not that it has nothing to do with a long-term person of character that they will become. So, if moms can see where they are separate, it is so beneficial for the child as well as the mom. You know, I met with a mom the other day and she's like, well, I'm not codependent, but my daughter is.   And I said, “Well, tell me more about this.” And she said, “Well, she calls me. She's in college and she calls me 10 times a day.”   And I said, “OK, well, let me ask you, how many times do you answer?” And she's kind of looked at me and she goes, “Well, she might need something.” And I said, “She can call back.”   She can text 911. But when you're so readily available to your child, it just fosters that dependency, you know, of your child on you. And it's so unhealthy.   Laura Dugger: (16:36 - 16:51) And I did hear a mom tell me one time when we, I think, had very little children. She said, “You want to ultimately work that dependency off of you and onto the Lord where they are first going to him, which is a lifelong job.”   Elizabeth Pehrson: (16:51 - 18:23) It is a lifelong job. There's a funeral service. It's going to sound morbid, but I watched it because it was so impactful to me.   I didn't even know this lady, but I watched it four times, this service that was online out of Florida. And the daughters were speaking and they said, “The best thing that they did, the very best thing that she did for them was to teach them their complete dependence on the Lord.” And she said, “She had cancer and she knew she was passing away.”   And she said, “Girls, don't be sad for me. I am going to be with my heavenly father rejoicing, singing his praises.” And she said, “If I have taught you to rely solely on me, then I've done a really bad job.”   I want your sole dependence to be on your heavenly father. But unfortunately, what I see again is just meeting with these women. We teach them that our presence is what keeps them safe or are, you know, being close proximity, especially with the cell phone.   You know, there's a lot of researchers that call it the longest umbilical cord because it keeps us in contact with him 24 seven. It's so sad. I mean, I interviewed some teachers at a middle school because they don't no longer allow cell phones.   You have to put it in the basket. Now there are some schools that are making you just not even bring it in. But I'm not even exaggerating when I tell you.   They would tell me that the children have two cell phones. The parents would give them two; one so they could put it in the basket and two so that the parents could be able to reach them at a moment's notice. Wow.   It's a real thing. I'm not making this up.   Laura Dugger: (18:24 - 18:26) That is crazy.   Elizabeth Pehrson: (18:26 - 18:59) Just to think in not that many years, how different that is from, you know, I ask moms all the time, would you have loved it if your mom had a low jack on you, like tracking your every move? I mean, because what happens is when you do that in middle school, high school, then they go off to college. I meet with moms every single day.   They're like, oh, my goodness, I'm so tired. I didn't go to bed till three o'clock last night. And I'm like, why?   Well, because I have like 360 on my child in college and she didn't get home till three, so I couldn't go to sleep. That's a normal everyday thing.   Laura Dugger: (19:01 - 19:38) Wow. And OK, for those situations, what would you recommend instead of that? And I guess if I could throw this in, I just was at a reunion with some graduate school friends, and we are all therapists or that's what we studied.   And we were just sharing how truly we've seen this play out. What we learned back in grad school was that if there's anxiety about something, avoidance never works. You have to even if it's micro dosing, you have to go through it rather than around it or avoid it.   Elizabeth Pehrson: (19:38 - 20:32) Oh, yes. And I mean, I'm sure you've read the book, The Most Anxious Generation of All Time. I mean, that's where we are.   And it stems, in my opinion, my humble opinion from the parents who are so anxious because they are codependent, because they are over involved in their children's life. And, you know, quite honestly, it's like the moms are so involved in their children's lives that when the last child leaves, you see the highest divorce rate is after the last emancipation of the last child. Once that child leaves, it's like, I have no life.   I have no identity. I have no purpose. And I certainly don't have relationship with my husband because my focus has been with my children.   And so, the moms that are anxious, the moms that are just so overbearing, over controlling are the ones that, in my opinion, are fostering those types of relationships with their children, the anxious ones. They can't do anything without their parents.   Laura Dugger: (20:33 - 22:06) And now a brief message from our sponsor, Sam Leman Chevrolet Eureka has been owned and operated by the Bertschi family for over 25 years. A lot has changed in the car business since Sam and Stephen's grandfather, Sam Leman, opened his first Chevrolet dealership over 55 years ago. If you visit their dealership today, though, you'll find that not everything has changed.   They still operate their dealership like their grandfather did with honesty and integrity. Sam and Stephen understand that you have many different choices in where you buy or service your vehicle. This is why they do everything they can to make the car buying process as easy and hassle free as possible.   They are thankful for the many lasting friendships that began with a simple Welcome to Sam Leman's. Their customers keep coming back because they experience something different. 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But I would say whatever that is, that has a hold on you, that you're still holding on to your 18, 19, 20, 21, 26-year-old child, whatever it is, they're adults. I mean, legally, they are adults at 18.   But yet whatever that is, that's holding you, keeping you attached to them, whether it's causing you to lose sleep, whether it's causing anxiety. You absolutely have to make that separation in that area. And so, you know, for the one that's got the Life360, 24 seven. Hey, give it to your husband.   You take it off your phone and they will be able to know how to figure out where your child is, should there be a need, you know, but you're hyper fixating on it, take that away. If it is a cell phone and you're calling your child every single day about everything, all that's doing is teaching your child that they can't do it on their own without you. And they have Google, you know, they have the Internet.   I didn't have that when I went away and I didn't have a cell phone, but I figured it out. So, it's like whatever it is that has a hold on you. I would encourage the mom just to make that separation in that one area and then start there.   Laura Dugger: (23:30 - 23:34) Love it. And I did think of the other thing that I wanted to circle back with.   Elizabeth Pehrson: (23:35 - 23:35) What is this?   Laura Dugger: (23:35 - 23:49) So, you had mentioned, yes, you taught your children respect one another in the home, but also respecting their belongings or property. Can you just share a little bit more of how you did that in your philosophy of why that was important?   Elizabeth Pehrson: (23:50 - 25:40) Oh, absolutely. I would tell you that David, my husband, and I firmly believe that respect for siblings, for coaches, for teachers, for peers, for their parents is hands down the foundation of every other principle that you can instill in your children, because if you respect them, you know, I mean, there are certain cultures and generations that respect their elderly. We're not a culture that does that.   And it's like if you respect them, you hold the door for them. You'll get up and give them your seat. You would never, you know, misuse their things, their belongings.   So, with the second that we saw any amount of disrespect, whether it was to us, like, say, if one of my children said something to me that was disrespectful, whether it was a tone, it might not have been the words. It could be a tone. It could be the volume of his voice, whatever it might be.   My husband would step in and say, “Hey, son. That's my wife. I don't allow anyone to speak like that to her.”   And then therefore, there would be like a consequence for it. And so, I mean, it might be that or at the risk of being too TMI or too vulgar. I had one son that had the urge to go to the bathroom, pee wherever he wanted to.   And one time he peed on his sister's blanket, her blankie, because he was mad at her. Let me tell you something. He will never forget it.   I don't remember what the punishment was at the time, but he got one. He never went to the bathroom anywhere again other than the toilet. You know, it's like, no, no, no, you cannot do that.   I mean, it's the foundation of the golden rule. You know, do unto others as you would have them do unto you. But children think they can get away with it.   And then parents justify it by saying, “Oh, but they're only three. Oh, but they're only six. Oh, they didn't really mean it.”   Well, you know what? That's where you've set the foundation right there. Three, five, six, whatever the age, so that when they grow up, they will respect their coaches, their employers, their teachers.   Laura Dugger: (25:40 - 25:55) You know, so good. OK, so another relational question, then what are ways that we can help or support positively shaping our children to have strong and healthy relationships with their friends?   Elizabeth Pehrson: (25:56 - 29:02) Yeah, I think that is such an important question. It was the very first verse we had our children memorize when they were itty bitty, you know, he who walks with the wise grows wise, but a companion of fools suffers harm because research shows that we are the sum of the five people that we hang out with the most. So, who those five are in their circle, it is so important.   You know, it in our opinion, it is essential to model for our children what healthy friendships look like, because, again, they learn that by watching us. It goes back to what's caught, you know, not the top principle. And I think it's essential to have them around other children their own age as often as possible, because I think we can use friendship with their peers, not their parents, not their grandparents, but with peers.   Then we can use those examples and those situations to teach them to include others, to take turns, to read body language, to notice when something's wrong with one of your friends, right? To apologize. Ask for forgiveness too, hey, this one's doing something completely different than I would do, but let's celebrate that.   And a big one is navigating disappointment and hurt. You know, I mean, that's going to inevitably happen with our children and their friendships. So those roles are so important because we can use those experiences to help train and equip them.   You know, for us, our goal was never, ever, ever about popularity. Matter of fact, I don't even like the word. I don't like the you know what it stands for.   But for us, it was really just to focus on their character and the heart issues. So, because of that, we would ask them, you know, not who are you friends with and who do you know, but things like who did you include at lunch today? Did you notice anyone sitting alone?   Did you say anything to them? What kind friend or what kind of thing did you do for a friend today? And, you know, as far as like how we model that for our children and try to encourage that with them, it's going to cause a sacrifice on our end, right?   I mean, when we're allowing and I mean, we might have to take time driving them to, you know, a good friend's house that lives far away or it might be hosting events. It might be goodness. I mean, every mom knows that we've had to wait on our children and wait and wait and wait and whatever that looks like.   But, you know, just modeling that for our children and setting that environment and that groundwork so that they can have these friendships. It's going to be a sacrifice for every single mom. We can and we'll have to sacrifice our comfort.   We'll have to sacrifice our convenience. Right. A louder house, extra groceries, wet towels, muddy shoes like the list could go on and on and on.   But, you know, I know that there have been times when I would hope I would host things in my home, but I would rather be resting, you know, but I can't because I have a house full of 30 kids or staying home because there needs to be a parent there when I'd rather be out on a date with my husband. You know, there's lots of sacrifices that we're going to have to make. But I just think it's super, super important. That we do.   Laura Dugger: (29:03 - 29:25) Well, and I love hearing that side of it. I'm assuming you're such a both and person, too. What did you make sure that you didn't sacrifice?   Because I never hear you saying I only sacrificed for my kids so it could be better for them. But you were healthy all throughout raising them. So, does that make sense?   How did you balance your own?   Elizabeth Pehrson: (29:25 - 30:36) No, and I appreciate you saying that, but I'm certain that there were times when I was tired, when I was selfish and that I didn't do the wise thing. But I will say that that it is so important not to sacrifice yourself because, you know, you can hear it in the analogies of, you know, you can't you can't give what you don't have. You got to fill yourself up first.   And it's all true. You know, the oxygen mask on the airplane before you give it to your children, it's so important. But I equally think it's important for your children to see.   I'm not going to be at home at dinner tonight because you know what? I'm with my besties. I'm with my girlfriends tonight.   That is important to me. Loving one another and being with one another is spoken of more in scripture than parenting, more than marriage. I mean, it is spoken of over and over and over again.   So, I want them to see that, “Hey, tonight I'm going to sacrifice time at home and I'm going to go out, be with my girlfriends”. So, there's definitely some things you have to sacrifice. But I don't want a woman to be so depleted because she's constantly giving, giving, giving, giving, giving that again, when she when their children graduate and leave home, they don't even know who they are.   They've lost sight of who God created them to be.   Laura Dugger: (30:36 - 30:39) I appreciate your balance in that.   Elizabeth Pehrson: (30:39 - 30:41) It's always and in both.   Laura Dugger: (30:41 - 30:43) Yes, it really is.   Elizabeth Pehrson: (30:43 - 30:43) It is.   Laura Dugger: (30:44 - 30:53) How do you think we can help our kids uncover and articulate and pursue their purpose in life?   Elizabeth Pehrson: (30:54 - 32:55) Purpose is huge for me. I'm sure you know that. It's the name of my podcast.   It's why I started the exchange. But I have to tell you, I meet with women every single day, grown women, 40s, 50s, 60s, even 70s that still do not know their purpose. They don't know who they are.   So realistically, for our children, I don't want to have anyone, you know, mom beat themselves up because it does take time to help them understand, you know, who they are, why God put them here, what their purpose is. And I will say some of my kids will grasp it before others. You know, I have a son that just graduated UGA, and he still is contemplating, you know, what does God have for my life?   But as far as purpose goes, whether it's your young children, whether it's your high school children trying to figure out, do I go to college? Do I not go to college? You know, what do I major in?   All of those things. But for anyone, I want to say that it's important that they know their purpose is not what they do. But the why behind what they do.   And if someone is unsure of what that is or, you know, why they do something, I would encourage them to ask questions. That's my biggest thing. When I meet with women, when I talk with them, just ask questions, ask questions.   I mean, we don't have the answers, but to ask questions. And so, I'll ask my children, you know, when they're contemplating some of these things, “Hey, what makes you come alive? What lights you up?”   You know, who do you love to serve? What could you do for hours, hours, and hours and lose track of time? For an older woman, I would say, what did you love to do as a child?   You know, maybe what do other people say to you? Man, you make that look effortless. You are so good at fill in the blank.   What keeps you up at night? What breaks your heart? I think the answer to all of those questions lead us ultimately to what God uniquely put in our hearts to do and how he created us.   You know, when he created each one of us, he gave us something that he wants us to offer to the world. And whatever that is, I would say will lead you to your purpose.   Laura Dugger: (32:56 - 33:00) And do you have yours articulated that you want to share with us?   Elizabeth Pehrson: (33:00 - 34:41) Oh, it took me a long time to go, God, who did you create me to be? And asking some of those questions, it's so interesting. So, you know, I speak, I speak, you know, at the exchange and in the last 10 years, I've started speaking more at churches and other places, and it's my absolute favorite thing to do.   It lights me up. I find great joy in it. It comes natural to me.   And one day when I was asking this woman, I'm like, let me ask you, what did you love to do as a child? Like, what could you just do for hours and hours? And she's like, well, I don't know.   Can you give me some examples? And she said, what did you love to do? And it was like this light bulb went off.   And my mom was very, very, very girly. And I had three older brothers. I was not.   And my mom wanted me to be very girly. So, she would give me for every birthday, Christmas, Easter, Flag Day. It didn't matter what the holiday.   I got a Madame Alexander doll. It's this doll that has it's like on a stand and it just sits there like you don't play with it. You don't you just look at it.   I don't know the purpose of these dolls. I don't know why anyone would want one. But when I tell you I had 100 of them, I literally had 100 of them.   And so, when I was thinking back to what did I love to do as a child instinctively, no one told me to do it. I would get home after school, and I would pull out all of these dolls and I would put them on my bed and I would line them up and I would talk to them. I would tell them all about my day, what I learned, what someone taught me, the injustices of being the only girl in the family, what I'm going to do when I'm older.   And I literally that's what I did for hours. And it was like this light bulb went off. It's like God put that in me.   I was encouraging my dolls. I was talking to them. I was, you know, hopefully motivating them, inspiring them.   Obviously, they couldn't move. But that's what I do now. And encouraging women is my purpose.   Laura Dugger: (34:42 - 35:27) I love that story so much. That's amazing. Do you love The Savvy Sauce?   Do you gain anything when you listen? Did you know that the two ways we earn money to keep this podcast live is through generous contributions from listeners and from our paying sponsors? That means we can promote your business and you're still supporting The Savvy Sauce.   It's a win-win. Please email us today at info@theSavvySauce.com to inquire about pricing for sponsoring each episode. Thank you for your consideration.   Elizabeth, do you have any tips for how we can influence our children to become lifelong learners?   Elizabeth Pehrson: (35:28 - 39:29) Yes, I think it's super important to encourage that in your children. But I also don't think there's a formula for it because some children are naturally more curious. Some are naturally more inquisitive.   I do think it's super important to recognize that, you know, what it is that they want to learn. They want to study because it's going to be different for your children. So, you might not think that they're a learner or someone that's curious, but they're just not curious about what you're curious about.   Right. My oldest son reads a biography of presidents and historical figures all the time. He tries to get through one a week.   I couldn't think of more boring reading, but he loves, loves it. He just takes it all in. He knows all the facts and stats on presidents.   But what's funny is when he was two years old, he could name all of the presidents in order at two years old. I couldn't even do it. I had to hold up the placemat to make sure, you know, that he was right.   I have another son that studies history, loves it, just absolutely loves it. And I have a daughter who probably the one that's most like me. But I will tell you that she will be a lifelong learner of people the rest of her life.   That is her passion. She's curious. She's inquisitive.   She's always asking questions of people. And as long as we know that ultimately, it's just going to be up to them. Some are going to be great learners.   Naturally, others won't be. But I would say if you wanted me to point to something again, it just comes back to modeling it, you know, for our children, because children copy what we love, not what we lecture. They copy what we love, not what we lecture every single time.   And I remember when one time when my kids were little, they wanted me to plant a garden. And I don't know what the opposite of a green thumb is, but that's what I have. I'm like the opposite of that.   And I had no idea. Like, you dig up the grass, you till the soil. Like, when do you plant?   How do you even grow a vegetable? I had no idea. But I said, “You know what? I don't know how to do this, but let's figure it out together.”   We'll figure it out together. And, you know, I suggest that moms would say things to their kids like, I just listened to this podcast, and it really challenged my thinking.   I had never thought of it this way before. Or I don't know anything about that topic you want to talk about, but let's find out, let's dive in and look, go to the library or, you know, whatever it might be. And lastly, I would just say that it really comes down to praising effort, not performance, because if you're saying you're so smart, you know so much about that or you're so wise in that area.   It really is. It doesn't do them anything other than teach them a performance based. Right.   So, it's like I want to say the things the things to them. Like, I am so proud of you when you didn't know what you were doing. You stuck with it.   You figured it out because I think that is a growth mindset instead of like instead of driving in performance anxiety. Like, I don't know how to do this. I didn't figure it out.   I can't. You know, we really want them like, hey, I don't know what it is, but I'll figure it out. You know, and I just think when learning really becomes about grades, achievement, success, whatever it is, curiosity dies, does.   So, it's like at the dinner table. I remember David and I would ask questions of the kids, and we would ask them things like, what did you fail at today? Like, what did you mess up today?   Like, what surprised you today that you didn't know yesterday? And then David and I would share as well. Like, let me tell you what I learned.   Let me tell you where I messed up at work. And it's just important to normalize not having all the answers. You know, one of our big parenting mantras is don't bail, let them fail.   And I think it is so important because we don't want to rescue our children. You know, we want them to not know how to do something so that they can figure it out and then just learn as they go. You know, because that's really where confidence grows.   It grows through problem solving and learning things the hard way.   Laura Dugger: (39:30 - 40:01) Wow, there's so much there. I love I'll kind of summarize a few things. So being curious ourselves, modeling it, having our own interests and sharing those ideas, but I hear this theme of questions, asking our kids questions.   I think that develops critical thinking. But then you helped identify with them what their interests were. And I think that will naturally lead to being a lifelong learner if we find what we're interested in.   You said all of your kids might be different once they found that. They'll probably be lifelong learners in those areas.   Elizabeth Pehrson: (40:01 - 40:32) For sure. And I guess what I meant by some or more so than others like my first born, he is a five on the Enneagram. And so, his he wants to know how everything works and studies it and researches it for hours before he makes a decision where I have some other children that are like, you know, instead of ready, set, go, it's more like go, set, ready, you know, and I'll figure it out later.   I don't care. But he's just naturally more inquisitive to want to know how things work. What makes things tick?   Why does the world work the way it works? You know, that kind of thing.   Laura Dugger: (40:33 - 40:44) Well, I don't know if this goes together or if you would share something different. But do you think there are any ways that we can help our children recognize and utilize their spiritual gifts?   Elizabeth Pehrson: (40:46 - 44:02) Yeah, when I think about spiritual gifts, I kind of think it goes back to the purpose question that we talked about earlier. You know, again, I know a lot of adults that don't know their spiritual gifts yet. They're still questioning.   They're still I'm not really sure is it this or this or I don't know where to lean in. And it's hard for parents to help their children find their spiritual gifts when they don't know theirs, you know, or they don't know how God wired them or what he placed deep inside of them. But one thing that I would offer when you're trying to help your children with that is just as parents just notice things about your children, but notice them out loud.   What God's already doing in your children, notice them out loud, speak them out loud, like pay attention. Which child comforts the crying sibling who organizes the game so that everybody feels included? Who asks deep questions about faith or which child senses when someone, you know, is left out?   You know, those are all clues as to how God wired them and what's deep inside of them. And, you know, you can say things as simple as you know, you know, I noticed you have a gift for encouragement. You really are so good at that.   Or, hey, you know what? You notice what other people miss. That's amazing.   How do you do that? God is always giving you courage. You know, I have a son named Josh, and he's got this big Joshua one nine frame in his, you know, Bible verse in his room.   It's like God has given you a spirit of fear and but of courage and of sound mind, you know, and it's like we try to speak that courage into him or, you know, I have one son that always keeps us organized and on track. And we used to call him the traffic cop because he was always like this. But then I was like, no, that doesn't really speak life into him.   It's more of a judge. So, we were like, you know what? You are so organized.   You keep us on track. And I think when kids hear out loud like their strengths name, they begin to see them as gifts rather than just like, oh, that's just how I am. That's a person that, you know, personality court.   And as you're trying to speak those things out loud and let them see and notice things about themselves that maybe they didn't see. You can also give them opportunities to practice things like, hey, at the dinner table, you're going to pray out loud tonight for the family, for our meal, or, hey, I'd like you to help lead with our family dinner devotions or hey, you know what? I'm going to go serve this weekend at this project.   And I really want you to come alongside me and go with me. Maybe, hey, you know what? I noticed this younger sibling really needs encouragement today.   Could you just go and speak some encouragement to her? You know, handwritten notes. That's a big one in our family.   You know, literally handwritten notes, not just by a card and signing it. Love, Josh, you know, but to write out. And I think that's something that we can instill in our kids because that's a lost art.   But, you know, most importantly, more than any of that, I would say to remind your kids this gift, this spiritual gift that God has given you isn't for you. It's for someone else. Right.   A person of purpose, a hero, whatever you want to call it, is a person who takes who they are with what they have for the benefit of someone else. That's it. It's just like who they are with what they have for the benefit of someone else.   And when you do that, there's always a gift that you can offer somebody else.   Laura Dugger: (44:04 - 44:15) Well, in another biblical topic, we know that it's a biblical command to be hospitable. So, were there any specific ways that you trained your children in hospitality?   Elizabeth Pehrson: (44:16 - 46:33) Yeah. Hospitality was my mom's ultimate gift. It was probably the thing that she modeled the best for my brothers and for me.   We hosted foreign exchange students for months at a time. Every single Sunday. People don't believe me when I tell them this, but it's true.   Every single Sunday, we would invite a family home from church to have lunch with us that we did not know. It was never somebody that we knew. And so, on Saturday, we would prepare the house.   We would prepare the yard. We would cook the food as a family. Everybody had a role in it.   And then my dad would literally find a family that we did not know. And he would invite them home. And my parents always had their home open for Bible studies, for parties, for small groups, whatever, and whomever needed a space.   They made our home available. And I've just tried to do that for my children in my own ways because it looks very differently than, you know, the way my mom did it. But I basically think hospitality is simply just making room.   That's it. It's just making room, whether it's making room at your table, whether it's making room in your home. You know, a lot of moms are perfectionists, and they associate perfection with it.   My home's not clean enough. My home's not pretty enough. It's not perfect enough.   And so, then they don't want to do it. But I can just tell you honestly, with eight children, perfect wasn't an option, you know, anyway, but we did. We had an open-door policy for dinner.   We even had a sign on our garage door. It said dinner's at 6:30. All are welcome.   And so, anybody could come and show up to dinner any night of the week at 6:30. And all of our children, when we invited people over, everybody had to participate, not just those that were excited about it, but like the whole family, you know, whether it was setting the table, greeting the guests at the door, making eye contact and then asking them questions, clearing plates. I mean, just whatever it is.   We wanted every single person to be a part of it. And really, we just tried to say, hey, you know, this is going to cost you something, because sometimes generosity does. You might have to squeeze in at the dinner table and sit like this because we're all squeezed in and that's OK.   Or you might have three air mattresses on your floor tonight and you have to share your room. And I know you don't want to, but that's OK. I mean, it's like generosity is going to cost you something.   And we wanted our kids to know that.   Laura Dugger: (46:34 - 46:47) Oh, such great examples. And do you have any other additional tips for ways that all of our family can actually delight in the abundant life that Christ has, that he's offered each one of us?   Elizabeth Pehrson: (46:49 - 48:59) Yeah, I mean, again, I certainly do not have all the answers, and we could have made service projects and serving others more of a priority in our home, for sure. But I just I think that the abundant life in Jesus it is about serving others. It is about offering others what he's given you.   And, you know, we don't serve to earn love like we serve because we're already loved. I mean, that's really the bottom line. And that changes everything.   And so, I would just encourage families to start serving together, not as a punishment, you know, not as a obligation, but just as a way of life. It's what we do. It's who we are.   And so, because of that, the abundant life for us offering it to others looked like making meals, making cupcakes, making a cake and delivering it to people. We had elderly neighbors all in our street and we mowed their yards. We picked up pinecones.   We went to the grocery store and picked up their medicine for them. You know, we made, again, handwritten notes and cards, just very small, easy, tangible, ordinary things that we could do to love on others. And I would say, let them see your joy in what you're doing, because they children do not like drudgery.   They're just going to resist it. Right. It's like but if they see you delighting and feeling full, full after serving and then giving, they appreciate you know, they appreciate that they see the joy.   And so, it's just it's important. I just think all the way around just there's Andy Stanley always says, you know, following God's principles will make your life better and it will make your life make you better at life. And so, when we follow these principles, when we serve, when we celebrate the kids serving other people with a joyful heart, you know, we celebrate their impact, not their performance, not how grand it was, not how big it was.   But hey, you made someone feel loved today. That's a really big deal. That's a really big thing.   You're eight years old. Not everybody can do that. And I am so grateful that you love Jesus so much that you would be willing to do that.   So, I just think the abundant life comes from following God's principles. You know, it's not having more. It's just loving more.   Laura Dugger: (49:00 - 49:14) Oh, love it. You have so much wisdom to share. So, before we press pause on this conversation, because we get to continue again next week, will you just let us know where we can go in the meantime to learn more from you?   Elizabeth Pehrson: (49:15 - 49:38) Oh, sure. If someone would like to follow me, it's on Instagram. I have my own personal one.   It's called @octomama. My kids made that long time ago. I also have the @theexchangeus.   That is that's my Instagram handle there. And then a long game parenting, writing a parenting book. And so, I do have a handle for that where I post things.   But it's called @long_game_parenting. So, yeah, wonderful.   Laura Dugger: (49:38 - 49:56) We'll link to all of that in the show notes for today's episode. And Elizabeth, this is your third time on The Savvy Sauce. So, you already know we're called The Savvy Sauce because savvy is synonymous with practical knowledge.   And so is my final question for you today. What is your Savvy Sauce?   Elizabeth Pehrson: (49:56 - 50:36) I would say in light of our conversation today and in light of what I talked about and shared, it's so simple. It's just 12 words. I say it all the time.   Think what you want your kids to be and then be it. Think what you want your kids to be and then be it. And I don't mean this in terms of your career or your profession, you know, but I mean in terms of modeling for our children what we want to impress upon their heart, things of character, because the truth is, it goes back to that.   We can only take our children as far as we've gone ourselves, or we can only help our children as far as we've done the work ourselves emotionally, mentally, spiritually and physically. So, think what you want your kids to be and then be it.   Laura Dugger: (50:37 - 50:46) What a beautiful way to close out our time together today. As always, Elizabeth, you are just effervescent and time flies by when we're having conversations together.   Elizabeth Pehrson: (50:47 - 50:49) I talk fast, so thanks for saying that.   Laura Dugger: (50:50 - 50:52) Well, thank you for being my guest.   Elizabeth Pehrson: (50:52 - 50:55) Absolutely. I thoroughly enjoyed it. Thanks, Laura.   Laura Dugger: (50:56 - 54:10) One more thing before you go.   Have you heard the term gospel before? It simply means good news. And I want to share the best news with you.   But it starts with the bad news. Every single one of us were born sinners, but Christ desires to rescue us from our sin, which is something we cannot do for ourselves. This means there's absolutely no chance we can make it to heaven on our own.   So, for you and for me, it means we deserve death and we can never pay back the sacrifice we owe to be saved. We need a savior. But God loved us so much.   He made a way for his only son to willingly die in our place as the perfect substitute. This gives us hope of life forever in right relationship with him. That is good news.   Jesus lived the perfect life we could never live and died in our place for our sin. This was God's plan to make a way to reconcile with us so that God can look at us and see Jesus. We can be covered and justified through the work Jesus finished if we choose to receive what he has done for us.   Romans 10:9 says, that if you confess with your mouth Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved. So, would you pray with me now? Heavenly Father, thank you for sending Jesus to take our place.   I pray someone today right now is touched and chooses to turn their life over to you. Will you clearly guide them and help them take their next step in faith to declare you as Lord of their life? We trust you to work and change lives now for eternity.   In Jesus name we pray. Amen. If you prayed that prayer, you are declaring him for me, so me for him.   You get the opportunity to live your life for him. And at this podcast, we're called The Savvy Sauce for a reason. We want to give you practical tools to implement the knowledge you have learned.   So, you ready to get started? First, tell someone. Say it out loud.   Get a Bible. The first day I made this decision, my parents took me to Barnes & Noble and let me choose my own Bible. I selected the Quest NIV Bible and I love it.   You can start by reading the book of John. Also, get connected locally, which just means tell someone who's a part of a church in your community that you made a decision to follow Christ. I'm assuming they will be thrilled to talk with you about further steps such as going to church and getting connected to other believers to encourage you.   We want to celebrate with you too, so feel free to leave a comment for us here if you did make a decision to follow Christ. We also have show notes included where you can read scripture that describes this process. And finally, be encouraged.   Luke 15:10 says, in the same way I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents. The heavens are praising with you for your decision today. And if you've already received this good news, I pray you have someone to share it with.   You are loved and I look forward to meeting you here next time.

First and foremost- IF YOU NEED HELP, PLEASE REACH OUT! THERE IS ALWAYS ANOTHER OPTION!!!Call 988 from any cellphone, or go to https://fightstory.org/ to get the support you need.You are loved. You matter.#ImNoJoePodcast Welcome back, folks! We're gathered this evening to talk about the Ultimate Fighting Championship's first ever trip to Serbia for another possibly interesting event. This card is decent overall, but we'll still breakdown all of the in's and out's of #UFCSerbia & all of the other cards that you need to know about. And, as always, we'll kick things off by getting into the news you need to know about that's come down the pipe since last week!#ImNoJoePodcast If you aren't a part of our Tapology group yet, join up now so you can get the feel of how things work before of our next tournament kicks off in the Fall! Join the group! Besides, IT'S FREE!#ImNoJoePodcast Our dear friend Ed has finished his battle. Please help us ease the burden on his wife MiMi to take care of his final arrangements.https://www.gofundme.com/f/edward-kapps-funeral-expenses#FuckCancer#ImNoJoePodcast Don't forget about our Tapology Fight Picks! Not the competitive type? Don't worry. The group on Tapology.com (ImNoBookie or Group#965) is where we can make & compete with our picks for all major fights, as well as just see how we all picked vs the results. The site keeps stats & will potentially let us compete head-to-head with each other AND YOU, the fans, if that's your cup of tea! Join in on the fun! #ImNoJoePodcast To honor our fallen friend Rye, please go watch the TMI episode we shot with him and leave some love. https://www.youtube.com/watch?v=2JkCWj1CuMA#RIPVapeRye #BeLikeRye Show Links- https://linktr.ee/imnojoeThe Crew's Socials- TJ: https://www.youtube.com/c/GolfTeeVapes & https://www.instagram.com/golfteevapes/Justin: https://www.instagram.com/flint_lock1/Christian: https://www.instagram.com/slowbake_420/ The SlowBake & Contemplate Podcast: https://www.spreaker.com/show/slowbake-and-contemplate Meter: https://linktr.ee/TheMeterDoesManyThings & https://linktr.ee/imnojoeYou can also join our Patreon & help support the show here: https://www.patreon.com/ImNoJoePLEASE know that any and all donations are non-refundable, so make sure it's what you want to do before you click Send.That being said, I appreciate each and everyone who supports the me in ANY way, be it sharing a stream or donating, or even just hanging out in chat. Thank you to each and everyone who helps out. I appreciate you all.Be safe everyone! Wash your hands, and help someone just to do it.#StayHomeIfYoureSickComeOverIfYoureThicc ;)It shouldn't need to be said but apparently it does so I will- *ALL* music used on this channel is performed by and used with explicit permission from Adam Pilarczyk. There is a text disclaimer at the beginning of the show, and he is present in nearly every episode's live chat stating as much. THE MUSIC USED HERE DOES NOT INFRINGE UPON ANY COPYRIGHTS, AND FALSE CLAIMS AS SUCH WILL BE TREATED AS MALICIOUS!!!#ImNoJoePodcast

TWS News 1: Socially Acceptable – 00:24 Freaking Someone Out by Helping – 3:30 $50K Challenge – 9:11 TWS News 2: Dangerous Land Creatures – 13:40 Brag on Your Wife – 16:31 TMI – 22:46 Mind Blown: Picaso – 25:17 Prayer Wall – 27:18 Poddie Time: Inside Jokes – 29:42 Rock Report: Bad at Your Job – 33:25 Cheap Date Ideas – 37:01 You can join our Wally Show Poddies Facebook group at www.facebook.com/groups/WallyShowPoddies This podcast is crowd funded - that means that you help make it possible. If you like it and want to support it, give here.

Welcome back to The Groupchat besties!!!The girls discuss their recent discoveries (fun facts of the day) before chatting about their hot takes they're willing to defend. Finally, a series of rapid fire relatable dilemmas before sharing their Hot or Drop of the week...In The Groupchat, we share some of your TMI & embarrassing stories that always leaves us on the end of our seat and crying of laughter! We share our advice around YOUR dilemmas and help you navigate different situations in life from dating, friendship, family, life & everything in between! As always your secret is safe with us and whatever happens in The Groupchat stays in The Groupchat!If you'd like to join The Groupchat and share any TMI stories, have your say in our dilemma debates or need any advice please DM or email us from the below: Instagram: @thegroupchatEmail: hello.thegroupchatpodcast@gmail.comFollow us on Tiktok: @the.groupchatpod Our Youtube Channel: @mesciatwinsfollow Liv on socials: Instagram: @oliviamesciaTiktok: @oliviamesciafollow Ash on socials:Instagram: @ashleymesciaTik Tok: @ashleymesciaOur small business: www.myvintagepleasure.comSee you next Thursday xx*We'd like to acknowledge the traditional custodians of this land in which we are able to record this podcast. We would like to pay respect to elders past, present and emerging and any aboriginal and Torres Strait Islander people here today.*

예고드린 대로 이번주에는 코펜하겐에서 머무는 저희 부부의 여름 나기와 이런저런 주제에 관한 단상들을 두서없이, 편하게, 마음껏 TMI 섞어 가며 풀어봤습니다.

https://linktr.ee/csjosephWhat's up Ego Hackers? In this episode of the CS Joseph Podcast, we break down vulnerability versus invulnerability and how this core difference affects men and women according to the Octagram 4.1 framework.Discover why being open, honest, and authentic isn't weakness — it's the ultimate display of masculine strength. We explain why the "strong silent type" (subconscious developed fakers) makes feminine women feel unsafe, while the top unconscious developed men naturally lead, attract, and create safety through radical authenticity.Key topics covered:• Mark Manson's "Models" book and where his subconscious developed approach falls short• Unconscious Developed (UD) vs Subconscious Developed (SD) men — why 80%+ of Western men acting invulnerable is destroying relationships and society• Why UD/feminine women fear closed-off "strong silent type" men (and why SD women have no frame of reference for real openness)• What vulnerability actually means for men: no such thing as TMI among adults, strength through openness even with strangers• Octagram 4.1 insights: The top 4% of men who are truly open, honest, and authentic (Tate brothers example)• Real-world examples: Why certain creators get "hoes" but not wife material, and why invulnerable men poison the future• How women follow when men lead properly — the rise of polygynous dynamics because top UD men are a cut above• Vulnerability as real strength vs fake invulnerability• Lock maxing, the rite of passage, no safety nets, and putting faith in GodIf you're tired of fake masculinity advice and want deep psychological truth on gender dynamics, personality typing, and becoming the kind of man women feel safe around — this episode is for you.Take Season 40: How to Personality Type Yourself at skool.com/csjoseph to master the Octagram 4.1, learn to psychoanalyze yourself and others accurately, and apply these concepts in your life and relationships.Join the EgoHackers community for more Jungian psychology, Octagram insights, and practical tools for men.Like this video, subscribe for more unfiltered truth on masculinity, relationships, and the Octagram, and turn on notifications. Comment below: Have you experienced the difference between vulnerable UD men and invulnerable SD men in dating or life? What happened?Full transcript available in the pinned comment.https://linktr.ee/csjosephhttps://skool.com/csjoseph#CSJoseph #Octagram #Vulnerability #Invulnerability #StrongSilentType #UnconsciousDeveloped #SubconsciousDeveloped #UDMen #SDMen #MarkManson #TateBrothers #Masculinity #PersonalityTyping #JungianPsychology #DatingAdvice #RelationshipAdvice #GenderDynamics #LockMaxing #RiteOfPassage #EgoHackers #CSJosephPodcast

Hailed by the Minneapolis Star Tribune as “the sharpest political commentator on the Twin Cities comedy scene”, Robert Baril mines the news of the day to fuel his informed, biting style of comedy.  With three albums out now (Sex and Politics, TMI, 2020) and in clubs across the country, Baril tackles all the hot button…

TWS News 1: Micro Joys – 00:24 When You Made the Right Decision – 3:34 Things Marks Needs to Work On – 8:31 TWS News 2: Watermelon Ice Cream – 12:54 Lyrics That Landed – 16:07 TMI – 23:22 Natalie Grant’s Lessons from Her 50’s – 26:17 Sped Up Song Email – 32:19 Email – 34:26 Rock Report: Before Being Famous – 37:12 Weird Things You’re Good At – 40:18 You can join our Wally Show Poddies Facebook group at www.facebook.com/groups/WallyShowPoddies This podcast is crowd funded - that means that you help make it possible. If you like it and want to support it, give here.

Welcome back to The Groupchat besties!!!In The Groupchat, we share some of your TMI & embarrassing stories that always leaves us on the end of our seat and crying of laughter! We share our advice around YOUR dilemmas and help you navigate different situations in life from dating, friendship, family, life & everything in between! As always your secret is safe with us and whatever happens in The Groupchat stays in The Groupchat!If you'd like to join The Groupchat and share any TMI stories, have your say in our dilemma debates or need any advice please DM or email us from the below: Instagram: @thegroupchatEmail: hello.thegroupchatpodcast@gmail.comFollow us on Tiktok: @the.groupchatpod Our Youtube Channel: @mesciatwinsfollow Liv on socials: Instagram: @oliviamesciaTiktok: @oliviamesciafollow Ash on socials:Instagram: @ashleymesciaTik Tok: @ashleymesciaOur small business: www.myvintagepleasure.comSee you next Thursday xx*We'd like to acknowledge the traditional custodians of this land in which we are able to record this podcast. We would like to pay respect to elders past, present and emerging and any aboriginal and Torres Strait Islander people here today.*

I created Do I Know You? because growing up with a famous sibling comes with a whole lot that nobody talks about... and Dana brought the jokes AND the wisdom!!Dana is a standup comedian, woman who does it all, and yes... Miles Teller's big sister. But five minutes in, you'll forget all about that last part.We talked about the wild whiplash of "celebrity adjacent" life (private jets to studio apartments, anyone?), the terrifying reality of teenage superfans, and why she left a career in finance and accounting to chase her standup dreams. We also got into the real stuff: bombing on stage, learning to take a note without losing yourself, "friendship pruning," and why we believesnothing in your life experience is ever wasted.There were laughs (duh), a little TMI about Top Gun Maverick, and a whole lot of "it's never too late." Come sit with us!!! xoxoxoxoFOLLOW DANA AT @DanaTellerFOR FUNSIES:Instagram: @jordierae_Show Instagram: @doiknowyoushowTiktok: @jordierae_LET'S TALK BUSINESS:

TWS News 1: Attractive Guy Flexes – 00:24 New Lost & Found Song – 3:55 Anthem Video – 7:32 Random Acts of Audio: 500 Cats – 11:06 Amateur First Responder: Porto-Potty – 12:55 TWS News 2: CVS Pet Meds – 17:08 Why You Chose Your Church – 20:11 TMI – 28:25 Pro Tip – 30:33 Prayer Wall – 34:34 Rock Report: Jason Sudeikis on Tipping – 37:19 YouTube University – 42:24 You can join our Wally Show Poddies Facebook group at www.facebook.com/groups/WallyShowPoddies This podcast is crowd funded - that means that you help make it possible. If you like it and want to support it, give here.

Welcome back to The Groupchat besties!!!In The Groupchat, we share some of your TMI & embarrassing stories that always leaves us on the end of our seat and crying of laughter! We share our advice around YOUR dilemmas and help you navigate different situations in life from dating, friendship, family, life & everything in between! As always your secret is safe with us and whatever happens in The Groupchat stays in The Groupchat!If you'd like to join The Groupchat and share any TMI stories, have your say in our dilemma debates or need any advice please DM or email us from the below: Instagram: @thegroupchatEmail: hello.thegroupchatpodcast@gmail.comFollow us on Tiktok: @the.groupchatpod Our Youtube Channel: @mesciatwinsOur Joint Tiktok: @mesciatwinsfollow Liv on socials: Instagram: @oliviamesciaTiktok: @oliviamesciafollow Ash on socials:Instagram: @ashleymesciaTik Tok: @ashleymesciaOur small business: www.myvintagepleasure.comSee you next Thursday xx*We'd like to acknowledge the traditional custodians of this land in which we are able to record this podcast. We would like to pay respect to elders past, present and emerging and any aboriginal and Torres Strait Islander people here today.*

TWS News 1: Severe Gastrointestinal Illness Outbreak – 00:24 5 Calls Calls It: Thermostat – 3:19 What’s Appening: TACTICAS – 7:04 Monday School: Change of Heart – 9:16 TWS News 2: World Cup Winner – 13:50 Your Miracle – 18:15 TMI – 26:12 Your Electric Car Story – 29:59 Best Worst Joke Game – 35:07 Rock Report: Hanging By a Thread – 38:50 Job Satisfaction – 42:25  You can join our Wally Show Poddies Facebook group at www.facebook.com/groups/WallyShowPoddies This podcast is crowd funded - that means that you help make it possible. If you like it and want to support it, give here.

Part 2 is here! Allison picks up right where she left off - getting the epidural, laboring through the night with Isaac, a scary moment mid-epidural, and finally pushing (yes, TMI and all) to meet baby Pepper Jo. She wraps up with the full birth story, plus a heads-up that a Q&A episode is coming next. Go send your questions to the Sunday Sports Club Instagram.Sponsors:Plan B: Find Plan B at a retailer near you or order online or through your delivery app today. Visit PlanBOneStep.com for more. Mabel's Labels: Visit mabelslabels.com and use code SUNDAY at checkout for 20% offJust Ingredients: Visit https://justingredients.com/SSC and use code SSC for 20% off your first full-price order.Honest: Shop Honest on Amazon, Walmart and Target.Warby Parker: Eyewear that's made to move with you. Right now, buy one pair of glasses and get 20% off any additional pairs at WarbyParker.com/SUNDAY. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This is the ideal episode for runners and walkers to get solutions for all their skin-related issues and concerns—no topic is off-limits or TMI. The guest is Brooke Jackson, M.D., a board-certified dermatologist, marathon runner, and author of Skincare for Runners. Along with hosts Sarah Bowen Shea and Britany Williams, Dr. Jackson offers up:-solutions for post-run heat rash and hives-loads of sun-protection insight + (scared-straight!) wisdom-best practices for effective sunscreen application-deodorant and antiperspirant recommendations-save-the-toenail guidanceBefore the guest joins around 22:52, Molly Williams shares all the happy details about her middle daughter's recent wedding (part of a family hike last Monday!). Note: The conversation with Dr. Jackson is part of an April 2022 episode, while the Molly-Sarah chitchat is brand new.

Welcome back to The Groupchat besties!!!Today the girls discuss their cosy home setup, recent apartment renovation, and excitement about starting a herb garden. They chat about ‘future you favours' and the little things we are all doing now that our future selves will thank us for. They address a listener's dilemma about ending a relationship due to trust issues, advising that physical proof isn't always necessary for setting clear boundaries. The conversation shifts to social media pressures and feeling lost in your 20s. The importance of self-improvement and self-worth over external validation and finding passion outside work, acknowledging unique timelines, and surrounding oneself with positive influences. Finally, they finish every episode with their hot or drop of the week.In The Groupchat, we share some of your TMI & embarrassing stories that always leaves us on the end of our seat and crying of laughter! We share our advice around YOUR dilemmas and help you navigate different situations in life from dating, friendship, family, life & everything in between! As always your secret is safe with us and whatever happens in The Groupchat stays in The Groupchat!If you'd like to join The Groupchat and share any TMI stories, have your say in our dilemma debates or need any advice please DM or email us from the below: Instagram: @thegroupchatEmail: hello.thegroupchatpodcast@gmail.comFollow us on Tiktok: @the.groupchatpod Our Youtube Channel: @mesciatwinsfollow Liv on socials: Instagram: @oliviamesciaTiktok: @oliviamesciafollow Ash on socials:Instagram: @ashleymesciaTik Tok: @ashleymesciaOur small business: www.myvintagepleasure.comSee you next Thursday xx*We'd like to acknowledge the traditional custodians of this land in which we are able to record this podcast. We would like to pay respect to elders past, present and emerging and any aboriginal and Torres Strait Islander people here today.*

TMI is FIVE

Comedians Tig Notaro (One Mississippi, The Morning Show, Come See Me in the Good Light) and Caitlin Reilly (Hacks, Loot, I Love LA) join Jameela for a wide open, no such thing as TMI conversation.Tig's big wrong turn drags her back to a decades old showdown for Sundance Film Festival supremacy against a friend turned rival. Caitlin's starts on an all girls Catholic high school stage (fellow alum: Meghan Markle) and ends at a pool party where a white towel gave away way more than she meant to share.Tig is on tour now (tignotaro.com) and hosts the podcast Handsome with Fortune Feimster and Mae Martin, streaming a day early on Hulu. Catch Caitlin in season five of Hacks.Follow Tig Notaro: tignotaro.comFollow Caitlin Reilly: @hicaitlinreillyJameela's Substack is A Low Desire To Please, you can also find her on Instagram, TikTok and YouTube.Our consulting producer is Colin Anderson.Wrong Turns was created and produced by Jameela Jamil and Stewart Bailey. Hosted on Acast. See acast.com/privacy for more information.

Welcome back to The Groupchat besties!!!We are so excited to bring you another amazing ep. The girls had some amazing conversations today and heard from listeners who had wrote in following on from our previous episode where they spoke about the exhaustion of being single and 'dating' in this day & age. They heard different opinions & thoughts around navigating the single world when it can be constantly disappointing. The girls than answered a listeners dilemmas who wrote in asking for advice on a guy she can't stop thinking about & is he the one that got away??? In The Groupchat, we share some of your TMI & embarrassing stories that always leaves us on the end of our seat and crying of laughter! We share our advice around YOUR dilemmas and help you navigate different situations in life from dating, friendship, family, life & everything in between! As always your secret is safe with us and whatever happens in The Groupchat stays in The Groupchat!If you'd like to join The Groupchat and share any TMI stories, have your say in our dilemma debates or need any advice please DM or email us from the below: Instagram: @thegroupchatTik Tok: @the.groupchatpod Email: hello.thegroupchatpodcast@gmail.com follow Liv on socials: Instagram: @oliviamesciaTiktok: @oliviamesciafollow Ash on socials:Instagram: @ashleymesciaTik Tok: @ashleymesciaSee you next Thursday xx*We'd like to acknowledge the traditional custodians of this land in which we are able to record this podcast. We would like to pay respect to elders past, present and emerging and any aboriginal and Torres Strait Islander people here today.*

The tumor microenvironment (TME), composed of immune cells, fibroblasts, and endothelial cells, has emerged as critical to pathogenesis, prognosis and treatment for cancer (schematic Figure below). There's no such thing as TMI (too much information) for TME! Yet there's still no way of assessing it in the clinic by a blood test, and even by invasive biopsy the sampling bias for TME without broader geographic context can lead to important mistakes. That isn't used for clinical decision making. The TME field is about to change.Recently, Professor Aaron Newman at Stanford and colleagues from many US leading centers published a landmark paper in Nature. It may ultimately be considered one of the most important leaps in cancer diagnostics in decades. Ground Truths is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.This was a massive undertaking involving 10 million single-cell RNAseq in 10 types of cancer to define 9 TME types by spatial omics which they called “spatial ecotypes”. It was AI-enabled by machine learning (Spatial Ecotyper from biopsy samples) and extrapolating that to knowledge to deep learning AI (Liquid Ecotyper from blood samples). The whole project took several years.Here's an infographic summary I made with the help of NotebookLM along with the Figures that follow.Some of the key points from our conversation:—TME is the soil in which the cancer cells live. It strongly influences whether the cancer cells will thrive or not, spread, respond to therapy, and determine the fate pf pre-cancerous lesion (as seen in recent important paper in pancreatic cancer evolution and colon cancer development).—Ecotypes, a term coined in 1922, to get at the local environment of tissue and cancer, was repurposed in this new project. Good metaphor: neighborhoods. And emphasis on location , location, location like real estate.—In the clinic today, the only window to TME is via a biopsy. But decisions for treatment are not based on TME, they are based on biomarkers like tumor mutation burden (TMB), PD-L1 levels , or volume of tumor DNA by liquid biopsy.—TME is dynamic and changes over time so a single snapshot won't cut it. —Spatial 3D maps of TME from 10 million cells, 10 cancer types led to 9 spatial ecotypes (with the Spatial Ecotyper machine learning). Validation across 3D grids (such as Visium) and multiple cohorts. The cell location base within TME is striking. —These 9 neighborhoods are conserved and very different. SE4-immune system is asleep, hypoxic; SE 7/8 are “war zones” rich with immune cells, hot tumor; SE 5 exhibits intense immunosuppression, hostile vs immune system, portends poor survival, SE9 deep in core, driving angiogenesis (new blood vessels)—Now rich information from these 9 SEs needs to be extrapolated to a holistic blood test of TME. It turns out an extension of tapping into methylation as used by some liquid biopsy cell-free DNA tests works very well, providing cell identity from the DNA fragments leaked into the blood. To get to TME spatial biology in a tube of blood. Akin to wastewater surveillance form municipals for detection of infectious disease pathogen sequence variants and circulating levels. A triumph of AI analytics made this possible!—The Liquid Ecotyper was validated in 78 patients with malignant melanoma pre-treatment from Yale University. SE 7/8 benefited from immune checkpoint therapy; SE4 resisted treatment, shorter survival. Matched with tissue biopsy work. —Work beyond publication ongoing in many types of lung cancer, bladder cancer, mesothelioma, and response to other therapies like CAR T and bispecific antibodies. This is critical since we have slew of different cancer immunotherapies (see my pyramid Ground Truths review) and we're not sure who, when, how to use them to drive optimal cancer outcomes in patients. May also help predict other types of therapy (not just immunotherapy) for cancer.—The blood test can performed serially which is a major advance compared with how we are currently “flying blind” and misled by imaging. —Started a company Liquid Cell Dx to make the TME blood test commercially available. May be available sooner in the academic centers in the current study.—The use of SEs may extend beyond cancer!A big thanks to Ground Truths subscribers from every US state and 212 countries. Your subscription to these free essays and podcasts makes my work in putting them together worthwhile. If you're not a subscriber, please join!If you found this interesting PLEASE share it!Paid subscriptions are voluntary and all proceeds from them go to support Scripps Research. They do allow for posting comments and questions, which I do my best to respond to. Please don't hesitate to post comments and give me feedback. Let me know topics that you would like to see covered.Many thanks to those who have contributed—they have greatly helped fund our summer internship programs for the past two years. It enabled us to accept and support a record number of 51 summer interns coming in 2026! These are high school, college and medical students selected from thousands of applicants. We couldn't do this expanded program without the funds coming in through Ground Truths.Thank you Dr Poonam Desai, Harshi Peiris, Ph.D., YOUR DOCTOR KLOVER, KL, Jessica Coffman, and >400 others for tuning into my live video with Aaron Newman! Join me for my next live video in the app. Get full access to Ground Truths at erictopol.substack.com/subscribe

If you've never heard of The Metapopulation Initiative (TMI), you are about to hear a lot more about them. The TMI started by Vincent Van De Merwe, was an initiative to expand cheetah conservation in Africa and Asia. Vincent was a mover and shaker and didn't always do things by the book - he was so driven by his passion, that he got frustrated with the bureacracy of the world when it came to cheetah conservation. Vinny was the catalyst for our Panyame Cheetah project, and his tragic death just weeks before our historic move of 16 cheetahs changed our outlook on things. In order to continue his legacy, continue what he championed at TMI we needed to figure out something. We, The Origins Foundation, needed to help. In this podcast, Robbie sits down with the directors of TMI in South Africa and discusses the history and the announcement of TMI's partnership with The Origins Foundation.  Do you have questions we can answer? Send it via DM on IG or through email at info@theoriginsfoundation.org  Support our Conservation Club Members! Classic African Hunting: https://classicafricanhunting.com/  4 Columns Marketing: https://fourcolumns.net/  The Rhino Project: https://theoriginsfoundation.org/conservation-projects/the-rhino-project/  See more from Blood Origins: https://bit.ly/BloodOrigins_Subscribe Music: Migration by Ian Post (Winter Solstice), licensed through artlist.io This podcast is brought to you by Bushnell, who believes in providing the highest quality, most reliable & affordable outdoor products on the market. Your performance is their passion. https://www.bushnell.com  This podcast is also brought to you by Silencer Central, who believes in making buying a silencer simple and they handle the paperwork for you. Shop the largest silencer dealer in the world. Get started today! https://www.silencercentral.com  Don't forget to go subscribe to our new The Origins Foundation Podcast Youtube channel: http://www.youtube.com/@TheOriginsFoundationPodcast - who knows, you may be a lucky subscriber who wins some cool stuff from our partner companies! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to The Groupchat besties!!!In The Groupchat, we share some of your TMI & embarrassing stories that always leaves us on the end of our seat and crying of laughter! We share our advice around YOUR dilemmas and help you navigate different situations in life from dating, friendship, family, life & everything in between! As always your secret is safe with us and whatever happens in The Groupchat stays in The Groupchat!If you'd like to join The Groupchat and share any TMI stories, have your say in our dilemma debates or need any advice please DM or email us from the below: Instagram: @thegroupchatTik Tok: @the.groupchatpod Email: hello.thegroupchatpodcast@gmail.com follow Liv on socials: Instagram: @oliviamesciaTiktok: @oliviamesciafollow Ash on socials:Instagram: @ashleymesciaTik Tok: @ashleymesciaSee you next Thursday xx*We'd like to acknowledge the traditional custodians of this land in which we are able to record this podcast. We would like to pay respect to elders past, present and emerging and any aboriginal and Torres Strait Islander people here today.*

Dorit's redemption tour continues as her fate on RHOBH hangs in Producer's hands and her home sale foreclosure has been postponed yet again. Teresa bans Frank Catania from filming RHONJ Season 15 but all is not as it seems. The Summer House crew oversaturate the market with TMI no one asked for. Rosie DiMare trademarks “Slam Pig”. Candiace talks Nene. Shamea talks Angela. Vanity Fair comes for Alex Cooper's Unwell network. Last, but not least, Lenny Hochstein denies all charges in the SA case against him and cries innocent. @behindvelvetrope @davidyontef BONUS & AD FREE EPISODES Available at - www.patreon.com/behindthevelvetrope  BROUGHT TO YOU BY: MYFITNESSPAL - podcasts.myfitnesspal.com (Use Code VELVET, All Upper Case Letters, For 15% Off The Premium App That Will Change Everything For You Regarding Fitness & Nutrition)  TUMBLE - Tumbleliving.com/VELVET (10% Off Plus Free Shipping On The Most Beautiful Inexpensive Rugs Which Are Spill Proof)  PROGRESSIVE - www.progressive.com (Visit Progressive.com To See If You Could Save On Car Insurance) ZENNI OPTICAL -  zenni.com/podcast (Use Code Podcast15 For 15% Off Your First Order Of The Most Affordable, Stylish Glasses and Sunglasses)  ADVERTISING INQUIRIES - Please contact David@advertising-execs.com MERCH Available at - https://www.teepublic.com/stores/behind-the-velvet-rope?ref_id=13198 Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to The Groupchat besties!!!We're back. After four weeks apart in Europe, Liv and Ash are finally in the same room and they have a lot to catch up on. This week on The Groupchat, the post travel awakening is real and we're unpacking exactly what shifted, why coming home felt strange, and what Europe made us see differently about our own lives. Then we're getting into the Love Island trend that everyone has been seeing on social media. Reasons why we all COULDN'T go on love island. Then the girls share some advice around the friendship dynamic shift that nobody prepares you for when someone gets into a relationship and how to juggle girl time as well as relationship time. Grab a coffee, this one's a long overdue catch up....In The Groupchat, we share some of your TMI & embarrassing stories that always leaves us on the end of our seat and crying of laughter! We share our advice around YOUR dilemmas and help you navigate different situations in life from dating, friendship, family, life & everything in between! As always your secret is safe with us and whatever happens in The Groupchat stays in The Groupchat!If you'd like to join The Groupchat and share any TMI stories, have your say in our dilemma debates or need any advice please DM or email us from the below: Instagram: @thegroupchatTik Tok: @the.groupchatpod Email: hello.thegroupchatpodcast@gmail.com follow Liv on socials: Instagram: @oliviamesciaTiktok: @oliviamesciafollow Ash on socials:Instagram: @ashleymesciaTik Tok: @ashleymesciaSee you next Thursday xx*We'd like to acknowledge the traditional custodians of this land in which we are able to record this podcast. We would like to pay respect to elders past, present and emerging and any aboriginal and Torres Strait Islander people here today.*

It's Episode Friday Inbetweeners

Last 4 days before regular tickets sell out at AI Engineer World's Fair - this is the single biggest gathering of AI Engineers, Founders, Leaders, and Researchers in the world. Attendees get >$5000 worth of sponsor credits and talk tracks are looking FANTASTIC. Join us!The AI scaling debate always focuses on the question of “how do we get more GPUs?” but the better question may be: how do we make the most of ones we already have.The fact that a frontier lab like xAI could be running at sub-10% MFU (Model FLOPs Utilization) is just a hint at what the real problem may be.For context, older frontier-scale training runs were already much higher than 10%. GPT-3 was around 21% MFU. Gopher was around 32%. Megatron-Turing NLG was around 30%. PaLM reached around 46%. And our guest Anjney says best-in-class MFU today is closer to 60–70%.It's not necessarily that xAI is uniquely incompetent (it's clear they have talented folks) but rather the priorities may be flipped in the GPU arms race.While GPU access is a bottleneck, simply increasing CapEx won't automatically translate to better models as frontier AI is increasingly a systems problem: scheduling, utilization, networking, kernels, frameworks, data pipelines, parallelism, cluster reliability, and the thousand small decisions that determine whether your theoretical FLOPs become real training progress.From building Discord's developer platform and backing frontier AI companies like Anthropic, Mistral, Black Forest Labs, and Periodic Labs to now building AMP's independent compute grid, Anjney Midha has spent years close to the real bottlenecks of AI scaling. In this episode, Anjney joins swyx at Periodic Labs to unpack why the AI race is not just about buying more GPUs, why 95% utilization would have been considered an outage at Google, and why the next era of AI infrastructure has to be more aligned, more efficient, and more responsible.We go deep on AMP's vision for a compute grid that makes FLOPs flow like megawatts, the difference between full-stack AI labs and horizontal pooling, why AI data centers need community buy-in, and how compute markets could evolve into something closer to an independent system operator. Anjney also explains why DeepMind's unpublished research points to a market failure, why end-of-life prediction remains one of the most important AI applications he has thought about for fourteen years, and why “output maxing” may become a new discipline for frontier systems.We also discuss Anthropic's culture, why “luck favors the prepared mind” in coding models, how Claude cracked coding, why too much capital too early can make AI labs fragile, what Periodic Labs is trying to do with science and superconductors, why great researchers can become great CEOs, and why Silicon Valley is both deeply missionary and deeply mercenary.We discuss:* Why 95% utilization was considered an outage at Google* Why AI infrastructure waste compounds at frontier-lab scale* Why “move fast and break things” does not work for AI data centers* How data center backlash, power grids, and community incentives shape AI scaling* AMP's vision for making FLOPs flow like megawatts* Why compute needs an independent system operator* How interruptible demand and dynamic prioritization worked inside Google* Why DeepMind research hoarding creates negative externalities* AMP's 1.2GW base-load ambition and the need for 6GW of spike capacity* Why end-of-life prediction could become one of AI's most important healthcare applications* Frontier Systems, output maxing, and full-stack alignment* Why APIs and abstraction layers become lossy as organizations scale* Superconductors, standards, and the dream of lossless systems* SF Compute, open protocols, and the future of compute marketplaces* Why non-NVIDIA chips can still benefit from NVIDIA's reference architecture* Trust boundaries and why chip startups need visibility into future model architectures* Why VCs often underestimate researchers as CEOs* Scientists as star athletes of the mind* Why great CEOs need to be confrontational up and down the stack* Why leading the frontier matters more than “winning”* How Anthropic cracked coding* Why culture is fragile, not a permanent moat* Why hardship was a feature, not a bug, for Anthropic* Why Anthropic's P0 was coding from day one* Periodic Labs, physics as the constraint, and technical reality* Silicon Valley mercenaries, missionary teams, and what happens after a breakthroughAnjney Midha* LinkedIn: https://www.linkedin.com/in/anjney* X: https://x.com/AnjneyMidhaAMP PBC* Website: https://amppublic.com/* X: https://x.com/amppublicTimestamps00:00:00 Introduction00:00:09 Why AI Compute Is Being Wasted00:03:17 Responsible Infrastructure and Data Center Backlash00:06:07 AMP Grid: Making FLOPs Flow Like Megawatts00:12:41 Foundry, Frontier Labs, and Research Hoarding00:14:42 Gigawatt-Scale Compute and End-of-Life Prediction00:24:08 Frontier Systems, Output Maxing, and Alignment00:27:38 Compute Markets, SF Compute, and Non-NVIDIA Chips00:32:57 Trust Boundaries, Co-Design, and Researcher CEOs00:38:17 AI Coachella and First-Principles Thinking00:42:43 Leading vs Winning in Frontier AI00:45:54 How Anthropic Cracked Coding00:48:25 Culture, Hardship, and Anthropic's P000:54:03 Periodic Labs, Physics, and Silicon Valley Mercenaries00:56:26 Rishi Valley, Singapore, and Money as a Measure00:58:47 Closing ThoughtsTranscriptIntroduction: Anjney Midha, AMP, and Compute WasteSwyx [00:00:00]: We're in Periodic Labs with Anjney Midha, CEO, founder of AMP. Welcome.Compute Utilization: Node Allocation, MFU, and AlignmentAnjney [00:00:09]: Thanks for having me. At Google, there are two types of utilization usually, right? That you're measuring in these clusters. One is node allocation, and then the other's MFU. Node utilization is usually like what percentage of cards in the data center are just, used, and that, if it's not at, 95%-Swyx [00:00:29]: There is no excuseAnjney [00:00:29]: There's no excuse, right? I think 95% at Google, which is where my co-founder, Seb, came from, he built the Borg, PBorg/GQM scheduler at Google, and there I think 95% was considered an outage, so 96% node utilization is, should be standard. And most single-tenant clusters are not running at that. So that's one. And then MFU should be, I would say the best in class today is somewhere between 60 and 70%. I think this is a leadership question, right? Fundamentally it's an alignment question, which is are the people who are funding the cluster and then deploying the cluster actually aligned? And sometimes theoretically they are, but in practice the number of people in the chain, the supply chain between, the capital and all the way to whoever's managing the cluster and then whoever's measuring what the output is, are just so many, degrees of separation away that, the, The Have you ever heard the radian metaphor, which is at the beginning of an arc, if you have two arcs that are two lines that are just off by a few degrees, that-Swyx [00:01:33]: It spreads outAnjney [00:01:34]: It spreads out, right? Or at scale. And I think what's happening is a lot of cluster implementations and infrastructure, a lot of frontier labs and other teams, that's what's happening, is they're, they initialize the plan, which is kind of like North Star with a team that wants to do good, but then they're, required to scale so fast instead of iteratively that the wastage just compounds really fast at scale. And so I think we know the answer, which is just do iterative bring ups. If you spend time with people who've been in the semiconductor industry or the DSN industry for a long time, this is not new, and I don't think AI should be an excuse. Sure. Something What is new? Okay. We have a lot of new capabilities, but that doesn't mean just abandon common sense. Common sense should always be in fashion. ? AI scaling doesn't change the in fact, if anything, AI scaling should be putting a premium on the value of common sense and infrastructure because the margin of error now is so much lower and the costs of wastage are so much higher. And the cost of wastage, by the way, is not just economic. I'm, obviously I'm, I'm an investor, or I'm an investor by background. Over the last few years now we're running an AI infrastructure business called, AMP. And I think that it's okay to say this time is different on the capabilities front. We are genuinely getting capabilities at, of the, of a kind we haven't had before. That doesn't give you an excuse to say this time is different for everything, especially infrastructure. So look, I love the hacker mindset and the hustler mindset. Now, that's great for the startup mindset, but you remember this moment where Zuck went from saying, “Move fast, break things” to, move-Responsible Infrastructure and Data Center BacklashSwyx [00:03:10]: Fast and stable infrastructureAnjney [00:03:11]: Move fast with stable infrastructure. I think now we need to move fast with, responsible infrastructure. People are going to ask where the impact is. There was a really In our class yesterday, Scott Nolan, who's the founder of General Matter, came by at Stanford to speak about energy bottlenecks. And he had a phenomenal idea. He said, “if you look at the marginal unit economics of compute per hour,” he goes, “let's call it, $4 an hour. If you're having to bring up a new data center in a new community, why not just say we're going to charge 4.50 an hour, and that marginal impact or that marginal increase, we just literally take that and give it to the local community as cash?” I can tell you as a customer of that compute, I would love that. I'd be happy to pay an additional 50 cents per hour at scale.Swyx [00:03:57]: Wow. Yeah.Anjney [00:03:58]: Because if that means the public benefit is so clear to the communities that the data centers are coming up in, I'm going to feel like that compute is much more reliable. Up to 20% of all data centers this year in the US, my understanding is are at risk.Swyx [00:04:13]: Of community backlash?Anjney [00:04:14]: Correct. Of not getting the community support they need to get brought up.Swyx [00:04:19]: Wow. That's a huge number.Anjney [00:04:20]: Yeah. Now, we, I think we should dig into what that number is. I think it's a little bit of overstated. These things can get over-reported, but it-Swyx [00:04:27]: They don't just care about jobs. They care about all the other stuff around it, right? They care about power grid, they care about environments-Anjney [00:04:33]: Power grid, permitting, and so on. And imagine I think if you said there's a new AI deal. If we're bringing up a data center in your community, we're actually going to reduce the cost of your electricity bill. Okay, now we're talking. Right? The community's going, “Okay. Now this is a deal. I feel like a partner in this.” Right now that's not happening. There will be audits, there will be investigations, and when the, when the regulators come, I don't know when it's going to be, the folks who are moving fast and breaking things in the name of AI progress better be prepared. That's certainly not how we're procuring compute. Or we're, we're trying as much as we can to work with partners who have long-term track records. Many of whom, by the way, are not, AI providers. I think this whole idea of neoclouds being somehow this new category is a lot of marketing speak. There are really good, reliable, trusted data center providers in America who've been around 20 plus years. I love those folks. They know how to Sure. Are they sponsoring happy hours at NeurIPS? No. Are they legibly listed in Build? No. Are they hanging out in my, in, situational awareness parties? No. But they're adults. I trust them.Swyx [00:05:44]: They can run LAN. They can run power.Anjney [00:05:45]: They can run LAN, power, and shell. They have credit histories. We sit down, we have a conversations. Many of them live in Silicon Valley. They've, they've had to deal with the boom and bust cycles of the internet, and I love those folks. They are stable infrastructure partners and thinkers. And I think there's a lot of short-term thinking going on in the compute layer, and it's going to catch up to us. It's not going to be good.AMP Grid: Making FLOPs Flow Like MegawattsSwyx [00:06:07]: You talk about aligning incentives, and, I would think that aligning incentives means you have the full stack in one company, which is xAI and OpenAI, right? So you as a standalone infrastructure layer, why are you somehow more aligned to your portfolio companies than people who just own the whole thing?Anjney [00:06:28]: In systems design, right, there's, there's two regimes of, architecture, right? You have integration, and then you have pooling and utilization, right? So the Or rather, the way to increase utilization often is you can do systems integration where you collapse a lot of process into one node, or you can pull out a process from a node and share that amongst various That resource amongst several different nodes. And so we see the AMP grid, which is, the, what, the system we're building here, which is basically a compute grid. We're trying to do for compute what the electric grid-Swyx [00:07:02]: PowerAnjney [00:07:02]: Yeah, what the power grid did for electricity. It-- this is a pooling and utilization layer across clouds, And so we're actually the opposite of a full stack integration like approach.Swyx [00:07:12]: Super horizontal.Anjney [00:07:13]: Where it's much more horizontal and it's, it's multi-cloud, it's multi-silicon. The goal is to try to make FLOPs flow like megawatts, and that is very hard to do today for many reasons. There's stranded pools of compute all over the place and there's no fungibility. And so right now we do it at the level of scheduling, and we often do it at the economic layer. But as we start to announce what we're working on, it's extraordinary like how many folks are coming out of the woodworks and saying, “Hey, I'm actually working on a way to make compute fungible at this part of the stack and that part of the stack.” And as a grid, we'd like all of these folks to participate on the grid. There's, people often ask me, “Andra, are you a new cloud?” And I go, “No, actually neoclouds are suppliers.” sometimes they'll ask, “Are you a venture capital firm?” I go, “No, actually they are, they are demand like sort of off-takers of the grid.” We see ourselves as what's called an independent system operator. So if you study the history of the electric grid, once it became legible to a lot of factories and industrial sort of participants that, hey, actually it turns out pooling is a good idea. We should pool our generators instead of all having a generator running at half capacity in our backyard. There was a need for an independent entity who could coordinate all these parties. Transmission line, power generation, facilities, transmission lines, factories, and that neutral coordination mechanism is very critical. In order-- If you study like the history of grids, the most enduring ones were those that never owned their own assets. They were ones that had, or often started with long-term anchors who are uncorrelated sources of demand, a steel factory, a shoe mill or whatever in a particular town who weren't competitive, where the steel factory want to spike up at night, the shoe mill wanted to spike up during the day. So then you pool and you share, right? So each of you is guaranteed some base load, but then you kind of schedule your spikes to drive a peak utilization across the town. The gold standard, so to speak, historically, has been these utility companies like PJM Interconnect in the northeast of America, where they, over many years became this what's called an ISO, an independent system operator of the grid. So that's how we see ourselves. Economically, that's what we are. From a technical perspective, we started at the scheduling layer because Seb and Mihai, who, run engineering here, built that at-Swyx [00:09:28]: Did your schedulingAnjney [00:09:28]: They did that at Google. And, -Swyx [00:09:32]: And you have infra shops from Discord as well.Anjney [00:09:35]: I have some.Swyx [00:09:35]: I don't know, I don't know if Discord is like the primary identity, but what-whatever, I'm just kind of-Anjney [00:09:39]: No, D-Discord was-Swyx [00:09:40]: Choosing a well-known name.Anjney [00:09:42]: Well, I So I was running the developer platform there. The internal infrastructure I was not responsible for. That was actually a guy by the name of Mark Smith, who was extraordinary. And yes, Discord did pool So Discord is actually a counter example. I had the chance to learn a lot about fully, full stack infra there because-Swyx [00:09:56]: It's the same thing, yeahAnjney [00:09:57]: It's the, it's the other architecture which is, Discord built its own WebRTC vo-voice and video infra. So like Discord did not use-Swyx [00:10:08]: For the calls, yeah.Anjney [00:10:09]: Yeah, did not For communication, Discord did not use third party infra. It was all built in-house. And then the way you maximize utilization was you pool demand from the world's 200 million plus monthly active gamers, right? And so that's, that's how those stacks were constructed. Again, in systems design, the two concepts that keep coming up over and over again are abstraction and composition, right? And-Swyx [00:10:31]: Bundling and unbundlingAnjney [00:10:33]: Bundling and unbundling, abstraction, composition, like verticalization and-Swyx [00:10:36]: HorizontalAnjney [00:10:36]: Horizontalization. So in that sense, AMP is an independent system operator of the grid. We pool demand, we pool supply from a number of partners we trust At about 1.3 gigawatt scale over four years. And then we pool demand from some of the world's best, research labs and so on. We're sitting at one, periodic labs who need extraordinary long-term demand. And the idea is that, each of them is guaranteed base load on the grid, but they can spike up and down flexibly on, for compute, with much shorter timelines as needed. That was roughly the design of the program I came up with at a16z called Oxygen. The same-- That was the same design of the GQM, BorgX, Borg GQM implementation at Google that Mihai and Seb had built. Which was that how do you allow, teams inside of Google, on the internal infrastructure to be guaranteed capacity, for their base workloads? But when they need to spike up on research, how could they ensure that was sufficiently there? And of course, the big innovation that was not discovered, but kind of implemented in the space, this infra space maybe three, four years ago at Google was the idea of interruptible demand, right? Where you just queue up a bunch of jobs and through this like sort of credit system, there can be a bidding mechanism.Swyx [00:11:53]: Like priorities.Anjney [00:11:54]: It's a dynamic prioritization Basically. And jobs can get interrupted based on somebody else who's saying, “what? I have 10 tokens, 10 credits I want to spend on this job.” Another like team lead, research lead is “Genie 3 or whatever is only worth five, credits, and NanoBanana2 is worth 10 credits,” and so the NanoBanana job gets priority. That's a, that's a made up example.Swyx [00:12:15]: It's very real. Brain Marketplace was real. And, we've, we've covered this on the pod with David Luan, who was-Anjney [00:12:20]: Oh, great. OkaySwyx [00:12:20]: Was there. And the criticism is that, well, actually sometimes you need central command to go all in on a thing. And actually sometimes capitalism via credits doesn't work. Not, this is not a criticism of AMP. I'm just saying, this is a thing that has been tried, internally within Google, and it led to Google missing GPT.Foundry, Frontier Labs, and Research HoardingAnjney [00:12:41]: Like, we structured ourself essentially very similarly to Google. We are structured as a holdings company. So, Alphabet holdings is Alphabet holdings, and then they've got these subsidiaries called Google and-Swyx [00:12:51]: Other betsAnjney [00:12:52]: Other bets and so on. We've got, AMP holdings, and we've got our infrastructure business, and then we've got a capital business called Foundry that incubates new frontier AI labs or invests in them as venture capital, like Periodic. We put a few hundred million dollars into Anthropic from our fund earlier this year. So wherever we feel like teams are making progress, especially researchers and so on who've pushed the frontier inside of existing labs like DeepMind, I find, there comes a point where they feel misaligned with the dictatorship of Alphabet holdings. And at that point, sometimes the dictatorship doesn't want them anymore. And they're “Thank you. You've done your job here. You've kind of helped us through the zero to one phase, and for whatever reason, we're going to deprioritize your amazing, omni model or whatever it is, and instead we're going to prioritize coding.” And, I think that's a tragedy, but I get it. They're Sergey and team are running their own business there. But that doesn't mean we the rest of us should sit around waiting for that progress to get unlocked for the rest of the world and humanity. If you think about how much extraordinary research has happened inside of DeepMind over the last 10 years, I, Demis and Sergey and those guys did such a great job. But at the end of the day, so much of that has never seen the light of day?Swyx [00:14:00]: Or they're like papers only, but they never actually shipped it to production or-Anjney [00:14:03]: What's worse is the paper is actually not even being published anymore ‘cause there's a six-month embargo inside of DeepMind, right? We've heard about this where a paper comes out, and then I think there's a six-month embargo window where if anybody on the business team says, “This could be interesting” It's embargoed for life.Swyx [00:14:18]: Exactly. So the stuff that gets published is the stuff that's not good enough.Anjney [00:14:21]: There's an adverse selection problem, basically. Yeah. At this point-Swyx [00:14:25]: It's, it's a common complaint at NeurIPS, by the way, that's “Well, why would I look at the papers that are the trash of GDM?”Anjney [00:14:31]: Again, I think it's a tragedy. I get it. They're running their business, but the rest of the I think there's negative externalities of research being hoarded, and so that'there's a market failure. And somebody needs to unlock that research, and we can't do it on our own. We only have 1.2 gigawatts of compute. That's nothing. That's about $40 billion of cloud spend. We're going to need a lot-Gigawatt-Scale Compute and End-of-Life PredictionSwyx [00:14:51]: By the way, is that's a new number. I haven't, haven't come across that gigawatt number. That's huge.Anjney [00:14:56]: Yeah. And to be clear, we haven't secured all of it. That's how much demand we have started to secure. I think publicly we haven't actually confirmed how much we have for this year. In order-Swyx [00:15:04]: Where do you want to get to?Anjney [00:15:06]: I think the steady state would be that we have a base load pool Of 1.2 gigawatts at all times Of base load capacity. For spike capacity, right now my estimate is we need roughly six gigawatts over the next four years for all our teams to feel like they were able to keep moving the frontier, whatever they're working on, whether it's, like superconductor discovery over here. There's a new investment we're working on right now, which is in the end of life prediction space in healthcare. It's extraordinary how much you can, you can give this was actually my graduate school work. I went to grad school for bioinformatics at Stanford Med. And I know we-Swyx [00:15:40]: Econ, MCS, bio.Anjney [00:15:41]: So my-- I was this really weird cat where, I was never satisfied with my major options. So at one point I was an econ major, then I was a CS major, then I was a MCS major called mathematical computational science, and they decided they were going to end that major. So I took all that coursework, and I applied it to grad school, my graduate degree in bioinformatics, which was the master's program, and then I thought I was going to do a PhD. I never ended up doing it. I dropped out and went to work at Kleiner. But I was lucky enough to apprentice with this professor at, Stanford Med. His name is Nigam Shah, and he was working on end of life prediction. Stanford is one of the only research facilities in America that has a longitudinal patient data set that's larger at scale. I think it's at least 12 million patient lives. The only larger data set is at the VA, the Veterans Affairs, of America. And to do research, like do any deep learning and so on that data set, it was called the STRIDE data set at that time, you had to be a Stanford Med School affiliate, which is why I went and enrolled in the bioinformatics department. End of deep learning was early. Nigam Shah had the visibility-- the vision to see that, you could do end of life prediction to help palliative care. In America, the, over 30% of all Medicare, Medicaid spend, at least at that time, was spent on end of life care. And what's we grew up in Asia, so we all-- Yeah, at least I won't speak for you, but I have A very different relationship with death than I find folks who grew up in America do. In America, spiritually and culturally, especially in Western societies where Christianity, the Christian tradition sort of frames death as this terminal point, there's often a judgment day and so on. The way we view death is with a finality. In Indian culture, in Hindu culture, death is one-Swyx [00:17:35]: Also, he's Buddhist as well.Anjney [00:17:36]: You're Buddhist, yeah. So it's one, it's one step in a journey of many lives, right? And so, I grew up in this city called Chennai in the south of India, and when people die, you dance on the street. There's like a procession where your body is carried to be cremated and your family, like celebrates and there's drums and so on. It's this huge thing. And, It's because the idea is that you're going to be reincarnated. You've been liberated from the responsibilities of this life, and now you're onto your next. It's a new It's like going off to a new college or whatever, right? And so it was so alien to me when I got here as an undergrad- That the medical system works backwards from that assumption that we have to view death as this terminal thing and delay it, postpone it's a bad thing. And so at the time, clinical decision support in the United States was this very primitive field. Even to this day, physicians in the United States often will tell you when you have a terminal disease, this is your, we've diagnosed you, which is great. Our ability to diagnose you is extraordinary. You have somewhere between six months to six years to live. What do you do with that information? The error bars are so high that then you In times of uncertainty, we default to culture, and when the culture is let's-- this is a bad thing, I've got to prolong my life, then you start doing things like And just to, just sort of from a systems perspective, what's going on there is Physicians often feel like they need to provide such high error bars because there's always some uncertainty in end of life diagnosis, and if you provide the wrong Diagnosis or recommendation to your patient, you can be sued for medical malpractice. And then your license can be taken away. It can be catastrophic for your career. In contrast, if in countries where that's not the case, what you often observe is that patients, physicians are quite prescriptive with their recommendation. They say, “Hey, this is your condition. The literature says that you probably have this much time on Earth left. My expert opinion is that you are an outlier or whatever.” And they try to be more prescriptive, and that empowers a patient, right? ‘Cause then a patient can say, “I trust my doctor. They said on average, I have six months to live, but if I do these things, I may have a shot because of my particular predispositions or my genetic history or whatever.” And that empowers you to go about your life in a actually more scientific way than leaning on religion, culture, spirituality, and so on. In contrast, here, because of that medical malpractice sort of thing looming over your head, a physician never gives you a clear recommendation. So instead you say, “Okay, Doc, well, let's try it all.” And then you start a whole regime of drugs and therapies, and then you often spend weeks and weeks in the hospital, and that deteriorates your quality of life. And when that deteriorates your quality of life, you instead of spending your last few days doing the things you love with your family, you're spending it on a hospital bed. And that ends up being thirty percent of Medicare and Medicaid. So it's worse for the patients. The doctors feel terrible. The American taxpayer is paying a huge amount of money. And so this is why Nigam Shah, who was this professor at Stanford, said, “Anjney, if there's “ I kind of sat down with him. I was this young, I'd, I was twenty-one, and I was “I want to work on a big problem.” He's “The big problem is end of life care.” And so we tried to do deep learning to say, to-- So we started trying to run deep learning on these tried patient data sets to say, “Could you have an AI system make a recommendation that is orders of magnitude more precise about how much time you have left once you've been diagnosed with a terminal condition than a human?” And then if we can get that precision to be high enough, then you can empower the patient. And it turns out the tech works. Like it's-- Once you get the data set, like RL works. Honestly, even regression models work. You don't need to get that fancy. At the time, we were just trying, doing like very simple neural nets.Swyx [00:21:54]: Simple solutions, yeah.Anjney [00:21:54]: Today, what we can do with RL is extraordinary. The problem remains then and now is regulatory, because you actually can't shift the burden of the wrong clinical diagnoses from the physician to the AI system. And so at that time, I got quite disillusioned ten years ago for, twelve years ago where, ‘cause I felt I just didn't have the resources to influence regulation. Today, I'm very lucky. I'm in a different place. I've, I'm a lot older, and so I've been spending a lot of time on my next incubation, which is how can we unlock the, patient empowerment by training AI models to do end of life prediction much, with much more precision and ac-Swyx [00:22:37]: Oh, wow. You're still focused on this the whole time.Anjney [00:22:40]: The-- I haven't been able to get, this out of my mind a single day for the last fourteen years. This is the hill I want, I would like to die on. There's two, I would say. What? I actually, I'd prefer not to die.Swyx [00:22:51]: Yeah, exactly.Anjney [00:22:52]: But I think two bipartisan issues, I think two issues that should be bipartisan in America are how do we empower patients to make the right clinical decisions at the end of their life, such that we're reducing the taxpayer burden with science? It's just good old science, and AI can help here. And the second is, net positive data centers, ‘cause I think that's the biggest critical bottleneck on training and good enough AI models to help people at the end of their life. So there's sort of two sides of the, of the same scaling bottleneck curve, but those two, we formed AMP as a public benefit corporation. My wife and I, who you've met, you've met Viv. Her passion is education. Her family is a long line of educators and so on, and, of physicists. And so this class is my attempt to stop being the black sheep of the family and be a, an educator. But if I'm not educating, the thing I would be doing is working, on these two problems, whether on the political spectrum or as a researcher back at, in some lab. And my hope is if anyone's listening to this podcast, if they're passionate about either of those two topics, I'd love to hear from them. We'll, we'll we can share the contact in the show notes, but, we're looking for people to join both of those missions on the, on the political side as well as on the medical side, on the research side.Frontier Systems, Output Maxing, and AlignmentSwyx [00:24:08]: You said, this is a discipline that you want to form. You call it's called variously called Frontier System. It's variously called One Person Frontier Lab. What is the ideal name or shape of this? Like the, what is the mission?Anjney [00:24:24]: Of the class?Swyx [00:24:26]: Of the discipline that you're, exploring, right? I The class is called Frontier Systems. But like for me, maybe one phrase is you're, you're just anti-waste, right? Which is wasting GPUs, wasting in human and Medicare. But is there, is there a broader theme that I'm, that maybe you can encapsulate more succinctly?Anjney [00:24:45]: Yeah. The, from an engineering perspective, it's very simple. It's output maxing. It's the, it's the department of output maxing.Swyx [00:24:51]: Making the most of what we have.Anjney [00:24:52]: Exactly. I'm a huge believer in optimal outcomes. I think both in America and other countries, we are losing our appreciation for nuance, and this is the thing of And AI is the same case, right? Oh, the bitter lesson holds. Okay, fine. But that doesn't mean you just like throw 500 GB300, 500,000 GB300s at your suboptimal model scaling and you waste a bunch of compute. It also doesn't mean that, the most optimal is to have like 50 different architectures where there isn't enough standardization. One of the reasons Anthropic has had extraordinary sort of velocity is ‘cause they picked the transform architecture and said, “This is simple. Let's double down on it,” right? And now luckily there's enough investment going to the space that we can afford other architectures, but at the time, investment was just too fragmented into other architectures, so that arguably unlocked scaling. So I think there's a philosophy. I think we all owe it to ourselves to do output maxing with a new capability called AI on a global level. I think if I was starting a new department at Stanford, depending on how fuzzy or technical I wanted to be, I'd probably call it the Department of Alignment. Like-Swyx [00:25:59]: It's an overloaded termAnjney [00:26:01]: But it is, But alignment really Is a hard problem. And I think when you unlock it, full stack alignment is super hard in any organization and in any system. Like in a, in a venture capital firm, if you can have full stack alignment between your limited partners and your, the founders who are creating the value and ultimately the public that owns the IPO stock, that is a gift that keeps giving. And when you study the history of these systems, when they start off, they usually start out small scale where the feedback loop is actually so tight that there's alignment. And then the more you try to scale, the more division of labor happens, the more specialization happens, and at each step you add abstractions. And wherever there's an API interface, there's like loss. There's communication loss. And so I think a really cool thing would be for us to figure out is there a way for us to have our cake and eat it too as an engineering discipline? Is there a way to actually scale up and scale out Without losing any alignment, without lossy transmission?Swyx [00:27:01]: You mean standards?Anjney [00:27:02]: So standards is one way. The other way is you just have net new capabilities. So like what we're trying to do here is discover new superconductors. A room temperature superconductor would be a lossless transmission mechanism for energy. We would have flying cars. We are right within a few years of having a new room temperature superconductor. So I think those are the two. You either have to standardize On protocols or API specs that allow lossless communication, or you can come up with a whole new capability that unlocks so much abundance, the standardization doesn't matter ‘cause you just unlock net new capacity. This, the, so this is what I spend my days thinking about these days.Compute Markets, SF Compute, and Non-NVIDIA ChipsSwyx [00:27:38]: No, I think every infra person at, who wants scale and wants to output max does eventually end up thinking about this. We don't have time to go into it, but we have done an episode with SF Compute-Anjney [00:27:50]: Oh, coolSwyx [00:27:50]: That is trying to standardize The futures contract for compute. I don't, I don't know how that's going by the way, but like at some point this will be public.Anjney [00:27:57]: Oh, I think Evan is awesome and SF Compute is the kind of effort that I hope we can accelerate because what often happens is these exchanges are very hard to get, they, it's hard to bootstrap them, right? Because they often require-- There's many inefficiencies between parties. There's trust boundary inefficiencies in infrastructure because you don't trust, one part of the stack doesn't trust another part of the stack to give them visibility. There's capital markets inefficiencies, there's operational efficiencies. So if you can inject like a single shock to the system of a ton of compute demand or supply, then you can accelerate, these new flywheels. And so my hope is one day, or soon, if SF Compute needs extra like has excess capacity, they just hook it up to the grid and they get flooded with demand from us. And on the other side, if they have a ton of demand but they don't have supply, they just again hook up to the grid and it's a two-way protocol where they can just hook up to our capacity. And I don't think we're too far from that. Today our working implementation of it is mostly through a group of labs, universities, and a few sort of trusted parties who are, who all feel like they're in alignment to borrow an over sort of used word. But our hope is to just have it be an open protocol that anyone can hook up to on-Swyx [00:29:20]: Hook up for demand or hook up for supply? In primarily demand, it sounds like. Like you-Anjney [00:29:25]: No, bothSwyx [00:29:26]: You would want to offer demand.Anjney [00:29:27]: Both. Yeah. Unfortunately, what's happened in the last six weeks is, we thought we'd have a bunch of excess capacity by the end of this year. It's all gone.Swyx [00:29:37]: It's exploding.Anjney [00:29:38]: It, yeah. It's all gone. And so I have, my text messages are full of friends, we know many of these people, these are founders who've raised billions of dollars in San Francisco going, “Oh, any chance you have like 50 nodes in the next few weeks?”Swyx [00:29:51]: What is the scope for, non-Nvidia, right? You have Lisa Su coming and, Rainer Pope as well. And so There is a lot of demand for, more performance Alternative architectures and all that. At the same time, this hurts your standardization.Anjney [00:30:11]: I don't think so. So actually Rainer's a great example, right? Rainer is a CEO and founder of, MatX. I actually had him by for office hours in the class earlier today, and there was an insight he brought up that I hadn't considered before, which is when they decided to pick the standard For their data center, they picked the NVIDIA reference architecture. So the MatX chips Just plug in to any site that has an NVIDIA bring up planned. And, the-Swyx [00:30:42]: It's just software then. It's, it's not the-Anjney [00:30:44]: A-Swyx [00:30:44]: Hardware.Anjney [00:30:46]: Well, from an input and IO perspective It's the same footprint as an NVIDIA rack.Swyx [00:30:52]: That makes sense.Anjney [00:30:53]: Where they have done, innovated a bunch from what I can tell is on systems co-design. Which is where a lot of the gains are to be had. And so he picked He was “Anjney, we, there's just so much work to do when you're building a new chip company.”Swyx [00:31:08]: Can't fight every front.Anjney [00:31:08]: You just can't fight on every front. So my question to him was, “Well, you're working on this new chip. Their tape-out is next year. What, who are you going to partner with to host the chips?” And he said, “Whoever will host them. That's just not, that's not my focus.” And I said, “But how did you “ you decided back to our earlier systems design question, he decided that, he didn't want to be a full, fully integrated chip provider. The bottleneck they're focused on is the logic die, and they, he feels they can crank out a ton of performance gains through co-design there. But then that means you delegate, to our question earlier, it, you he's the data center provider is a different part of the stack, and so then he's dependent on that part of the ecosystem to host his chips to get the performance gains to the customer. So now you have another abstraction, and you might have loss. So I asked him, “How do you prevent loss?” And back to your point, he said, “I just picked the NVIDIA standard ‘cause I didn't want to Like I wanted to piggyback off of an existing protocol.” And that, what's great about NVIDIA is that reference architecture is known.Swyx [00:32:15]: Open.Anjney [00:32:15]: It's open. They've published it. So Jensen's actually enabled someone like Rainer to build a chip company like MatX, and I don't see them as competitive. The compute demand is so high. Like, I don't I think NVIDIA's not able to meet the demands of production, so we just need more chips. And I think it's very smart what MatX has done, which is say, “We're just going to we're not going to innovate on the data center design ‘cause actually, thank you, Jensen, you've done all the hard work. Where we can innovate is somewhere else.” And I think that's, that's very healthy. I think that's how we unblock new bottlenecks. And my view is these, the, chip teams like MatX, who have arrived at the insight that co-design is the way, The primary bottleneck for them is trust boundary. To do co-design well, you need visibility into the next model generation as soon as possible ‘cause it takes two years to tape out. So if by the time I bring my chip to market, your model architecture's changed, I'm host. Now, when he was inside Google, he was sitting next to the Gemini team. He was on Palm or whatever.Trust Boundaries, Co-Design, and Researcher CEOsSwyx [00:33:19]: His co-founder was the, was one, was one of the Palm guys, I think.Anjney [00:33:23]: Yes. Yes, exactly. So when you're inside the trust boundary of Google, then your systems co-design loop is super tight. When you leave as a founder, one of the biggest risks you take is now you're outside the trust boundary. And so what I love doing is helping chip teams who can help us unlock more capacity for the independent ecosystem access to trust. Because when I If I've been, involved with a lab from day one, and I was lucky enough to work with Anthropic, and then I'm on the board of Mistral and helped Black Forest Labs get started. I think at this point I'm on six or seven different teams.Swyx [00:33:57]: Only six? I feel like my mental number was going to be 13, but yeah, it's-Anjney [00:34:02]: No, I go deep with one at a time.Swyx [00:34:04]: You're founding CEO of Arena.Anjney [00:34:07]: Nah, that was an, that was an-Swyx [00:34:08]: Administrative CEOAnjney [00:34:09]: It was an administrative five-month gig where Whalen and Anastasios were graduating from their PhDs, and they didn't need a product team. So I helped recruit the head of engineering product and design. But Anastasios has always been the CEO of that company. I played a pinch-hitting I'm an intern. I was CEO intern For five months. -Swyx [00:34:33]: I interviewed him, and he's he's very well-spoken. I think he's a debate, former debate, champion. But also very quantitative and mathematical, which is-Anjney [00:34:41]: He-Swyx [00:34:41]: Such a unicorn.Anjney [00:34:43]: See, what's amazing about him? If you look at his output, he's an output maxer. By the time he was graduating from his PhD, which he only graduated last year, he had published more work with a citation count than, people twice his age. But at the same time, he'd already started a project called LLM Arena that was being used by millions of people As a side project. And time and time again, what I've realized is venture capitalists suck at seeing human beings as, dynamic agents where-Swyx [00:35:14]: They want to put you in a boxAnjney [00:35:15]: They want to put you in a box.Swyx [00:35:15]: This is your thing.Anjney [00:35:16]: So the first time I got introduced to Anastasios, somebody had told me “Oh, he's amazing, but he's a researcher.” I was “what? What do you mean he's a researcher?” That's what-Swyx [00:35:28]: Like he's not a CEO, not a founder.Anjney [00:35:29]: Not a CEO, exactly. I was “Are you crazy? Do you Have you met Dario?” Dario's a scientist. He's gone from zero to, what will soon be a trillion-dollar company in four years. Being a CEO, nominally speaking, is not that hard. Being a good CEO is hard. Being a great CEO actually requires a level of performance that scientists who have already published at the top of their field have accomplished. It is super hard to be a competitive scientist. To publish in academia over the last 20, 30 years, to make it to the top of your discipline at a place like Berkeley, you are a star athlete. Like, you are an athlete of the mind, and you perform at the highest levels. And to get there, whether you're, Anastasios or Whalen at Berkeley, or you are Robin, who-Swyx [00:36:23]: BFL, yeahAnjney [00:36:24]: With Black Forest, who created Stable Diffusion, or if you're, like Guillaume at Meta, who created Llama before he started Mistral. The amount of human leadership you have to demonstrate to get the resources, like get the trust of the organization, publish it, put it up. I would just fund researchers all day Right? If who have contributed already to the field. If they've, if they've put SOTA out there, they're, they're star athletes already. If they haven't done SOTA Look, they can still be good CEOs, but then I find the failure mode is that they just don't want to be CEOs, they primarily want to publish, and that's okay, too. One of the things we do with the AMP Grid is we donate excess compute. We have two nonprofits, like university labs. We carved out like a couple thousand H100s. But I do think there's extraordinary research being done on university campuses. My father-in-law's a physicist. He's a professor. Extraordinary work in physics, and we need that. But if you want to be a CEO, what you need to be willing To do is be super confrontational, outside of science. Like within the scientific community, some of the best researchers are very confrontational about their convictions, right? This architecture is right. To be a great CEO, you basically have to be willing to be confrontational up and down the stack.Swyx [00:37:41]: To your own team.Anjney [00:37:42]: To your own team-Swyx [00:37:43]: To customersAnjney [00:37:43]: Hiring, recruiting customers. Well, I would say, Yeah, pretty much to everyone Everybody. Of course-Swyx [00:37:50]: I see, I feel a little bit of that in my own work, but yeah, I can't imagine the stakes that Dario has had to go through. It's, it's pretty insane.Anjney [00:37:56]: No, I don't think the stakes are that different From how you're feeling it, right? Stakes are personal scaling vectors, right? The stakes that seem so low to you, like having this podcast where you can talk to somebody and just have a you're an extraordinary communicator, right? Like already in this conversation, you've pulled more out of me than most people, and I've been on 12 podcasts in the last two weeks.AI Coachella and First-Principles ThinkingSwyx [00:38:17]: I think I, we've just seen each other enough that there's some base trust.Anjney [00:38:20]: There's base trust.Swyx [00:38:20]: And I think, and I know that you, that I've done my homework and like I know that trust is a big deal for you, so.Anjney [00:38:27]: I think trust is about consistency, and you and I have seen each other In the community for years, right? Like, I remember the first time we met was at NeurIPS in New Orleans. I don't know if you remember that, luncheon.Swyx [00:38:38]: Oh my God.Anjney [00:38:39]: Reiko had set up this Reiko's amazing, and he set up this luncheon and-Swyx [00:38:43]: Yeah, I was “Who's this Discord guy?” I'm “Okay.” But-Anjney [00:38:45]: No, you weren't-Swyx [00:38:46]: You were just “You made some investments.”Anjney [00:38:47]: You were much less polite. You were “Who's this VC?” You're like-Swyx [00:38:51]: No, I Was I? Oh my God.Anjney [00:38:53]: It was-Swyx [00:38:53]: I'm so sorryAnjney [00:38:53]: It was visible on your face.Swyx [00:38:54]: I'm so sorry. But you weren't, you weren't The introduction was bad. I was I didn't know who you were.Anjney [00:39:00]: The, see, this is the thing about context, right? Like, but then I think I heard your accent. And I was “Are you-”Swyx [00:39:06]: Singapore, yeahAnjney [00:39:06]: “Are you Singaporean?” And you're “Yeah.” And I said, “I went to high school, JC, in Singapore.” And then the ice broke. But This is the there are in the scientific community, sometimes the stakes are very high for people who haven't had the emotional, what is called EQ Coaching and mentorship, right? Which is like to have scientific impact, you often need to be a extraordinary emotional, like emotionally in tune person with the folks you're trying to influence. And so what comes so naturally to you is actually a super high stakes thing to other people. And so I wouldn't assume that Dario's more stressed out than you. These things are you'd be surprised how similar and small sometimes the problems are to you That some of the world's biggest, leaders are facing. And that's what I've learned from this class. The guest speakers are Sam, Satya, Jensen.Swyx [00:40:01]: AI Coachella.Anjney [00:40:02]: Yeah. It's AI Coachella, right? So we got to get all the headliners, and they're I'm very lucky that some of these people have either mentored me over the years or I've done business with them. And when you, take the performative stuff out and any assumptions you may have about these people that you read in the press or on Twitter, We're all just humans. We're all trying to get along. And what's so special about this moment is AI is forcing, like scaling, the bitter lesson is forcing a lot of people to revise their assumptions for how the world works and go back to first principles or go and educate themselves. So the kind of people I was, I won't name who this person is, but I was at an event last week in Texas and, ran to somebody who said, “Anjney, I came across the class. What do you think about real time action prediction models?” And I was, don't know how happy it made me feel when they asked me that question. I know they've done the work. They've challenged themselves. I'm, they didn't ask me, “What do you think of world models?” They said, “What do you think of n-”Swyx [00:41:04]: Real time action predictionAnjney [00:41:05]: “action, real time action prediction models?” World models, don't get me wrong, are cool and everything, but you and I both know that is a layer of abstraction that is sometimes not usefully precise enough. Right? Ours-Swyx [00:41:16]: There's like four different kinds of world models.Anjney [00:41:17]: Yes, exactly.Swyx [00:41:18]: We've done the part with general intuition, by the way, which is very focused on, -Anjney [00:41:22]: Oh, cool. Yes. I love Pim. Pim is great. And this is what I love about people who've done that level of work. They realize they're not in competition with people who the rest of the world thinks they're in competition with.Swyx [00:41:34]: Because they're not in the category, they're in the specific thing they're trying to do.Anjney [00:41:37]: They're focused on their mission, and they have a systems understanding of the bottleneck they're trying to solve. And when somebody else says, “I'm working on real time, action prediction models too,” Pim goes, “Oh, I love that person. I want, I can learn from them.” But the minute they're “Oh, that person's a world model person,” it's “like which type of world model person?” But mostly they're just trying to figure out if it's a waste of their time, because we don't have enough time. So, Pim, for example, is super, loves this other company I work with we've talked about called Black Forest Labs. And he's mentioned to me multiple times that he's so, He thinks what Flux is doing is really cool. Andy Blattman came by and spoke in the class. And what I find over and over again is for people who do the work, who can be usefully precise enough about like what is actually going on in the world of frontier research, The sense of camaraderie is still well and alive, but it gets lost sometimes when you have to like abstract The technical complexities in, business terms And then the VCs are “How are you different from that world model?” I'm going to say Where do I even start to explain this stuff? And then the misalignment creeps in.Leading vs. Winning in Frontier AISwyx [00:42:43]: This is good. Yeah, I think, people listening get a sense of, what it is like to operate at a real level, like yourself, rather than at, the journalist level, where you have to sort of put everyone in, a rough category and create a narrative of competition, and who's winning today, who's behind.Anjney [00:42:58]: It-- this idea of winning is so Weird to me.Swyx [00:43:03]: You do want to win. You want you want competitiveness.Anjney [00:43:06]: No, I think you want to lead.Swyx [00:43:07]: You want SOTA.Anjney [00:43:07]: No, I think you want to lead. Yes, so you want to push the frontier. You want to push the SOTA. You want to do something that hasn't been done before. You want to capture value, but you don't want to capture so much value that, people think you're unaligned with your mission or trying to do what's best for the world. You want to capture enough value that you can keep innovating, right? And I think that people want to lead, they don't really This idea of winning and losing, again, I love Jensen. He's a, he's a leader. The mindset that he talked about on Dwarkesh's podcast, right? He's “I didn't wake up with a loser mindset.” I think that was awesome, right? Because he's, he's an engineer. Dwarkesh has done the work. So there's at least-- even though the, to me, it was very obvious they're talking about the same thing, they just passed each other. They just had to basically, Jensen has this, five-layer cake abstraction of how the industry works. And Dwarkesh had, I think from that podcast, had more of, a pre-training, mid-training, post-training systems loop concept.Swyx [00:44:04]: It's just a factor of who he talks to, right? Again, it's very clear.Anjney [00:44:06]: It's the systems It's the abstraction, the mental models, the It's the whole-- Dude, so much of the problem in the world is reasoning by analogy. And then the assumptions that are held invisibly.Swyx [00:44:19]: Yeah, I've, I've said, this is actually the best time in human history for first principles thinkers. Because everything you think will happen is actually now coming true.Anjney [00:44:28]: Correct. And the venture capital community is, notorious for this, where people look-- In times of uncertainty, they, cling to axioms that ended up being true from the previous era, and they kind of like proclaim them with confidence as if they're truths, but they're not. And it's very important to see the distinction between a heuristic and an axiom. An axiom can be proven-Swyx [00:44:55]: Like from internal consistency point of viewAnjney [00:44:56]: With internal consistency. A heuristic is a way you kind of a shortcut. And my God, the number of people I have had to put up with over the last few years who proclaim-- use heuristics As axioms to judge people, to judge which companies are going to succeed or the number of people who are “Oh, yeah, Anthropic, they're just training models right now,” but this one continue.Swyx [00:45:22]: Because that's a B2B SaaS?Anjney [00:45:23]: Yeah, the, like Which over the fullness of time, if you squint at it, maybe. But the way you arrive there is so important that you can-- you just, you can dismiss people. Here's what happened, right? What happened is Anthropic basically achieved takeoff in October of last year. That training run-Swyx [00:45:41]: Whatever, three seven?Anjney [00:45:42]: I forget the numbers now, but whatever that checkpoint was-Swyx [00:45:45]: We saw the cognition.Anjney [00:45:46]: Yeah. Right? You probably-- The, to those of us in the community, especially once post-training was done and it was released in December-Swyx [00:45:52]: Yeah. Can I sneak a sneaky question in there? I don't know if you have a perspective, maybe you don't, I just The number one question is how did Anthropic crack coding, right? Because Claude One, Claude Two, okay, like it was part of it, but it wasn't a big deal. And the leading hypothesis, it's a lucky dice roll that was then compounded, right? Like it was like Mildly better, but then they saw it and they were “Okay, let's really invest.”How Anthropic Cracked CodingAnjney [00:46:17]: I had this very annoying teacher. I went to this boarding school called Rishi Valley in India, which is like this, bird preserve. It's like three hundred and fifty acres of bird preserve in rural India, and there was no technology for seven years. There was this teacher, I won't name them, but they would have this-- I hated it every time he said this to me. He was “Luck fa-favors the prepared mind,” which is like a common saying, but the way he delivered it, always grated me, ‘cause he was always I was always one of those kids who got, a good grade without trying very hard. ‘Cause like high middle school is not that hard if you, if you're generally, paying attention and so on. And there was this one time where I-- But then I would get an eighty percent grade, and he would keep pushing me to say “The reason you didn't get the ninety-five plus percent is because you're not that lucky.” And I would say, “What do you mean?” ‘Cause I would think that I deserved that grade, and I would sometimes argue with him. And he'd say, “You didn't have a prepared mind. If you want to get lucky again “ There was basically one time where I got like ninety-five or ninety-six on this, on this subject, and I, now that I felt entitled. I was “Okay, I'm going to keep doing this,” and I didn't. And then he was “Luck favors a prepared mind. You got lucky last time, but you got to stay prepared.” And I didn't understand what he meant. Now, as I'm older, I'm okay, these adults actually knew a thing or two. Anthropic has been the most prepared company for four years. And so then when the right, context data comes in, the right developers start sending in, the right context diffs, Sure, you could say you got lucky, but if you ask me, they're pr-pretty damn prepared with paranoia for like four years. And you have to remember, it was so hard for them to get going early on that they had to do so much more with so much less that you just have to be prepared to be so efficient.Swyx [00:48:06]: Yes. There's numbers on their burn compared to OpenAI. I've, I've written about it, but they are so much more efficient in their, in their tech stack.Anjney [00:48:14]: It's not even It's not funny.Swyx [00:48:14]: Not even close.Anjney [00:48:15]: Yeah. But it's so clear, right? Like how to output max for the world. They have been prepared, and you could call that luck, but Luck favors the prepared mind.Culture, Hardship, and Anthropic's P0Swyx [00:48:25]: This is one of those things that I was going over some of your old lectures and, you were data, people think it's a moat and actually it's culture and actually it's team Actually. And I, it's-- there's different levels of moats, and this is the ultimate one that determines everything else. Which you can then compoundAnjney [00:48:43]: You're saying culture is the ultimate moat? Yeah. But the thing about culture is it's very fragile. So moats, I don't think they're-- there's very few moats I found that are actually moats. They're-- It's, it's a nice concept, but in reality, you have to replenish your culture. Ben Horowitz was, the speaker in CS153 on Tuesday, and I asked him this question about the culture bottleneck in teams because, there are several AI teams-Swyx [00:49:09]: His book, Hard Things About Hard ThingsAnjney [00:49:11]: Hard Thing About Hard Things. But more concretely, there are so many AI labs today that have all the cash they need, they have all the compute they need, and they're still not able to ship anything SOTA. And then you start seeing people leave and so on, and my diagnosis, it's, is it's the culture. And so I asked him, Ben, they're-- He's been one of the most aggressive investors in AI labs. He goes back to this thing which resonates in my mind a lot. It-- When I used to work at a16z, I would, book a conference room, and right outside the conference room, which is closest to the toilet ‘cause it was the fastest way for me to go use the bathroom between Zoom meetings-Swyx [00:49:45]: Oh my God, I'll put maxing my toilet optimization. Okay, never mind.Anjney [00:49:48]: It was not healthy in hindsight, but maybe this is TMI. But anyway, outside that conference on the wall was this quote that was printed that said, “Culture is not a set of beliefs, it's a set of actions.” And it's by Bushido, is this, Japanese philosopher. And if you stop taking the actions that demonstrate the mission alignment to what you've said to your team and to your-- the world matters to you, then your culture starts to fray. So it's not actually a moat, I would say. It's a very brittle, fragile thing that requires daily tending to like a garden. But if you figure out the system to keep that garden tended, which I think ultimately comes down to knowing yourself ‘cause you most naturally, if you're authentic and so on, you'll naturally make trade-offs that seem effortless to you, but that reinforce your culture. And then That becomes this very hard thing for other people to catch up to. And at Anthropic, from day one, there was this mission like-- missionary like zeal and belief that, hey, these capabilities will scale. These systems are stochastic, not deterministic. There will be error bars, and until we crack interpretability, there's risk. And at some point, people will go-- stop using Claude just for coding. They'll use it in some mission-critical context where there's-- it'll throw off a bug, and then people are going to come blame them, and they want to be on the right side of history where they said, “Yes, this is a powerful technology. We think it's going to change the world, And we want to be very measured and scientific about the fact that, ‘Hey, guys, these are stats models, statistical models.' That's how statistics works.” ultimately, when you're training neural nets, it is just a statistical system. And I think that Belief that safety is important and that it might seem toy-like in the early days, and sometimes, you could say, “Anjney, they totally over-exaggerated the risk,” like two years ago when they said, “Let's not launch Claude One,” or whatever. Well, okay, maybe in hindsight, but hindsight is twenty/twenty. And at the time, they didn't know how that model would be used, and to them it felt existential if somebody came and said, “You weren't responsible. It-- This wrote a bug.” The liability associated with that is massive. So how do you prevent against that? Well, day in, day out, you say safety. And when you start deviating from that, you have the team hold you accountable, you have the world hold you accountable, and I think that becomes a moat over time. At some point, that moat will get challenged and so on, and then it become fragile. I hope it endures because that's the beauty of having founders run the show, ‘cause they can make really hard trade-offs to do mission alignment. The hardest part is in the earliest days when you don't have a group of people who are going through difficulty, stress, crisis together, then your culture doesn't get defined sharply enough, and that's what I'm worried about right now, is there's so much money going to these labs. There's no hardship. There's no-Swyx [00:52:50]: To anyone who knowsAnjney [00:52:51]: There's no to anyone who knows. And that, in hindsight, was a feature, not a bug for Anthropic. The number of people who said no, the number of people who said, “Sorry, we're all doing investors in OpenAI,” that is competitive difference. It forces you to really understand, what is the hill you want to die on at the expense of everything else. What's the P zero? And there, P zero from day one was coding. The reason, the mechanism system there was if we crack coding, Then we will crack AGI. Our mission is AGI. We want to get there safely. If we focus on codin

Jenn talks about stopping to see her bff Ash Houv after the TMI podcast recording... except she wasn't there...

The corporate world has never before had access to so much rich data and fast connectivity. But will this exciting new terrain really change how treasury operates? A recent TMI podcast recorded at Treasury 360 in Gothenburg, Sweden, uncovers the reality of real-time. Lena Myklebust, Head of Cash Management Infrastructure, Equinor, and Christof Hofmann, Global Head of Cash Management, Deutsche Bank, are your guides.

What did you learn about a coworker that you definitely didn’t need to know? We’re talking TMI moments, overshares, and those “I wish I could un-hear that” stories… We hear from listeners! See omnystudio.com/listener for privacy information.

What did you learn about a coworker that you definitely didn’t need to know? We’re talking TMI moments, overshares, and those “I wish I could un-hear that” stories…An online poll asked, "On a scale of 1-to-10, how would you rate your attractiveness?" And even though it was anonymous, most people leaned toward NORMAL-ISH. We share what we think our rating is. Kincaid shares an update after he told his wife to make a "to do" list for their conversations. Plus, old fashioned habits happy couples practice. And as always, the latest pop culture news in DALLAS' DISH, latest crazy news stories in BUT WAIT, MY LITTLE SECRET, ARE YOU SMARTER THAN KINCAID? and so much MORE! ► YouTube: KincaidandDallas ► TikTok: @KincaidandDallas ► Instagram: @KincaidandDallas ► Facebook: KincaidandDallasSee omnystudio.com/listener for privacy information.

Unlock your personalized roadmap to sexual fulfillment:https://beduc.at/bg2618-tmipodcastHappy Friday! How are you all doing? We hope you're doing great wherever you're tuning in from.We're back with another one, and this episode is really everything TMI stands for. Honest, unfiltered, a little messy. Today we're talking about the things people secretly google about masturbation and sex.Is it demonic? Can you do it while you're in a relationship? How many times is too many times? Yes. We're going there. All of it.We hope you enjoy the episode and are subscribed! #roadto200kPartner with us:

Happy TMI Friday Inbetweeners!

"I love winning." Welcome to the third episode in a new series on the Ali on the Run Show called "No Stupid Questions." This is where experts come in to answer everything you've always wanted to ask about running. We're covering a wide range of topics including personal running and coaching, the business of running, and "no such thing as TMI." Eric Jenkins and Aisha Praught Leer kicked off the series answering questions about professional running (and so much more), and then Jinger Gottschall, New Balance Director of Sports Research, answered questions about shoes and sports bras.  Today, we're tackling personal running and coaching questions with two-time Olympian in the 5000m and coach with Next Best Run, Kim Conley. Kim has coached athletes to personal bests in the mile up to the marathon, she has helped runners complete their first races ever, and she has supported them as they've qualified for the Boston Marathon and beyond.  FOLLOW KIM @kfconley SPONSOR: Lagoon. Click here to take Lagoon's 2-minute sleep quiz to see which pillow is right for you, and use code ALI at checkout for 15% off your next Lagoon order. IN THIS EPISODE: Kim's advice for finding a running coach and the benefits of working with one (12:25) Kim answers questions about getting faster and stronger (15:00) Breaking down running terminology (34:40) Fueling Q&A (47:10) Running through stages of life (52:25) The mental game (57:00) Follow Ali: Instagram @aliontherun1 Subscribe to the newsletter Join the Facebook group Support on Patreon SUPPORT the Ali on the Run Show! If you're enjoying the show, please subscribe and leave a rating and review on Apple Podcasts. Spread the run love. And if you liked this episode, share it with your friends!

TWS News 1: Teeth Blindness – 00:24 Mariko Challenge – 4:00 The Scoop: Plane Back Pain – 8:09 Chopped – 11:05 TWS News 2: No More Snacks – 16:47 Joy & Grief – 22:07 TMI – 27:12 I Have a Testimony – 29:48 Rock Report: Arena One – 34:19 Mariko Challenge – 37:27 Small Group Chat: Life On Purpose – 41:43 Brandon Lake & Nick Jonas – 44:03 Prayer Wall – 48:02  You can join our Wally Show Poddies Facebook group at www.facebook.com/groups/WallyShowPoddies This podcast is crowd funded - that means that you help make it possible. If you like it and want to support it, give here.

There were plenty of tears on today's show. Ally got emotional as she prepares to get her pregnancy news later today, and Klein's kid cried hysterically after seeing his newly shaved head. It was an emotional roller coaster and no matter what happens in our personal lives we will never stop oversharing because we have an incurable case of TMI. We did an AMA with 'The Germ Guy' where we asked all our burning questions about the grossest things we've ever done. We asked about Jake's laundry etiquette, Ally sharing toothbrushes with her wife, and pretty much just more examples from Ally and Jake. At the end, Jake earned himself a new title. What is the most popular guitar riff at Guitar Center? We went through the official list and Johnny (a former Guitar Center employee) confirmed (and played!) all of them, giving birth to a new embarrassing assignment for Ally. Petty Claims Court involved a couple fighting over clean silverware, but it quickly shifted when everyone realized how smoking hot Cindy was. It took an awkward turn quickly & definitely swayed the decision making. Poor Caesar!

This week on the Just Sayin podcast we are joined by the hilarious Kalea McNeill fresh from her appearance on the new Netflix competition series FUNNY AF. We discuss what the process of being in a “reality” competition series is like and what her experience was afterwards. Did Nikki Glaser give us TMI? Another day another Kardashian blackfishing us. And what is happening with these terrifying carnival rides malfunctioning all over? Make sure to check out Kalea on the road and thank you again for liking and subscribing and make sure to leave a comment down below! More Justin! IG: ⁠⁠https://www.instagram.com/justinmartindale/⁠⁠ ++++++++++++++++++++++++++++ Produced by Keida Mascaro IG: ⁠⁠https://www.instagram.com/keidamascaro/⁠⁠ The Cave Podcast Studio ⁠⁠⁠ ⁠⁠https://keidamascaro.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith explores how real estate investors can use mortgage strategies to build long-term wealth.  Seasoned lending expert and repeat guest Caeli Ridge joins Keith to discuss why debt isn't something to avoid but to optimize, and how negotiating terms can matter more than price. They walk through practical approaches for new and experienced investors, from house hacking to scaling a rental portfolio. The conversation also tackles common myths about qualifying for investment property loans and what really matters to lenders.  Finally, they emphasize focusing on fundamentals—cash flow, risk management, and informed decision-making—rather than fixating on interest rate headlines. Episode Page: GetRichEducation.com/604 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE I'm your host. Keith Weinhold Some mortgage guidance out there is costing you wealth today. I'm talking about how you can negotiate to get better terms. I'll tell you the exact questions to ask. Then a guest clears up mortgage myths and misconceptions and how you can borrow to win today on get rich education   Keith Weinhold  0:28   let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom family investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation and full disclosure. I'm an investor myself. What I like is that their team walks you through how it all works so you can decide if it aligns with your portfolio and income goals. Every investment carries risk and nothing is guaranteed, but with a track record of consistent on time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66 866, that's family to 6866   Speaker 1  1:32   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:48   Welcome to GRE from Albany, New York to Albany, Oregon and across 188 nations worldwide. You're listening to get rich Education. I'm your host. Keith Weinhold, as we know, debt isn't something to avoid. It's something to optimize. As a real estate investor, I would rather have lower mortgage rates than higher ones, and now you can call me Captain Obvious. Yet there are some reasons that higher mortgage rates benefit us as investors, though they're not as great as the lower rates are I'll discuss some of that today. This stuff obviously influences marketplace behavior. In fact, here we are now, years after rates made their historic surge and nearly tripled between 2022 and 2023 and yet still, 70% of mortgage borrowers have an astoundingly rock bottom rate below 5% today, lower than the ocean floor, and they won't sell those properties. That's just one contributor to the low supply hangover that still lingers. Are today's buyers still anchored to an unrealistic baseline. It certainly reframed how investors think about normal borrowing costs and what that word normal means. My first ever rental property, many years ago, was purchased at a 30 year fixed rate of six and three eighths percent. One year later, I got to refinance a full 1% lower at five and three eighths. I'm happy that I bought one I did because starting year earlier, got all my real estate benefits rolling that much sooner, the leverage and everything else, and when I did that, refinance many years ago, from six and three eighths down to five and three eighths, I was able to roll all of my loan refinance costs into the new mortgage balance, and that way I didn't have to pay anything out of pocket. So financing is negotiable. A lot of investors don't realize that buy down your rate if you want roll the loan costs into the loan amount, like I did. In fact, I would usually rather have a higher mortgage rate and then not have to come out of pocket at the table. I would rather do it that way. Sometimes I take a higher rate and even get cash back at the closing table. So I walk away from the closing table with a property and cash, but yet with a bigger mortgage. And what's the strategy there? Well, with more inevitable Inflation, I want to load up on the dollars that I get now and then make those paybacks over the long term with future cheaper, diluted dollars for 360 months, sometimes I don't have to ask the lender for any sort of favor to get that zero help from the lender at the closing table to get cash back. How do I do that? Well, I ask the seller to give me cash at the closing. Closing table in return for offering the seller full asking price, or sometimes even over the asking price. I have done it the strategy of offering full price or even a little more than the full list price. See, that's often easier than getting a price cut from the seller, and that works great, because getting the closing table, cash is going to benefit you more than the price cut would anyway, in almost every circumstance, and when it comes to your lender, ask them questions that cut through the noise. Now, lenders have to make their profits somewhere and stay in business, but I've asked the question, what's the break even point on this rate buy down. That's something you can ask today. That can be an even better question for you to ask of builders with all of the buy downs that they're doing for you now, most people know about a mortgage rate lock. That's when you're in contract to buy a property. At some point, you and your mortgage company, you lock in your rate for, say, 30 to 60 days, and that way, if the rate rises before the deal is completed, you are protected. You are locked in. But some lenders also offer float downs. That's for if you lock and then rates go lower before you get the deal closed. In that case, you get the lower rate, and now you successfully played both sides, but most borrowers don't know to ask about a float down for larger apartment buildings, sometimes you can negotiate away prepayment penalties or instead a shorter penalty window. The thing to keep in mind is that smallest borrowers negotiate price, but savvy investors negotiate structure. That's what we're talking about here, and that's why you often hear that terms are more important than price. So there's plenty of opportunity here, even if historically low rates is not where today's opportunity lies. Today, we're going to discuss some things about mortgages that most people believe but are just flat out wrong. Also, what separates the borrowers who build real estate portfolios from the ones who stay stuck on property one, let's have a conversation with this week's repeat guest, a real favorite here at GRE for her mortgage clarity.   Keith Weinhold  7:35   Hey, the president of ridge lending group, Chaley Ridge is back with us. We'll get into things like rates and loan strategy shortly, but first, let's discuss some fun. What would you do? Chili, what would you do if you're 35 and have 100k to invest in real estate? What's your first move? Ooh, good question.   Caeli Ridge  7:55   So let's think five years ago for me now I'm 35 what would I do if I had that was a joke for all you listeners, obviously, you know, I think that if I could go back and knowing what I know now, I would probably invest that into an owner occupied house hack using an FHA loan. Probably look for newer construction if I could find it, and I would probably target a four unit residential property. I'd probably put three and a half percent down lowest rates with that. FHA, I would leverage my money, and I would get three other tenants in units, two, three and four to pay my mortgage, and then I'd use the rest to go buy an investment property   Keith Weinhold  8:32   much like I started out with the owner occupied four Plex, live in one unit, rent out the other three. FHA, three and a half percent down. What if someone, however, lives in a market where the numbers just don't work and the law really tilts toward the tenant rather than the landlord.   Caeli Ridge  8:47   You know, that's a good point. There's a lot of factors, obviously, right? And there's exceptions to all rules, etc. So I don't want to generalize, but I would probably take the 100,000 and maybe look at some kind of a burr in that case, maybe pivot and do some math and see if buy rehab rent refi might be more applicable. To take that 100 grand and leverage it that dollar bill, as far as I could make it  go   Keith Weinhold  9:10   sometimes you have to get scrappy when you're starting out another what would you do now? Say you've got some more experience. You already own two rentals. How do you scale that to 10.   Caeli Ridge  9:21   You know, my biggest piece of advice for investors, especially newer ish investors, is to make sure that you've got your eye on some level of diversification. Scaling from two to 10 can sound pretty daunting to some people, but I think that diversification advice comes in handy when you're not singularly focused on, let's say, a core philosophy of single family, residence, cash flow only in one market instead, maybe layer in some appreciating markets where you can earn and count on longer burn appreciation that you can then leverage from to then purchase the next to the next to the next, right. Cash. Refinances borrowed funds are non taxable. I would probably say diversification is the core answer to that question. For me,    Keith Weinhold  10:07   yeah, if you've already got two properties, maybe if you've had those for a few years, yes, you can do a cash out refinance and basically use one of your first two properties to fund that third and fourth and so on, right exactly? How about if rates drop 1% tomorrow? What's the next thing you would do? Immediately?    Caeli Ridge  10:29   I would do the math. Is what I would do, Keith, and I know you love that answer. So if I had a portfolio of X number of properties and rates just dropped 1% tomorrow, I would take a hard look at what I had in the queue, and I would say, Okay, how much does a one percentage point rate save me in monthly payment, aka, earn me in cash flow, and what is it going to cost me? It is imperative that the investor is actually doing the math. 1% may sound amazing, but if it's only going to save you 5060, bucks a month, and maybe that's enough, but it might cost you five grand. Does that math work for you? So that's my answer. Do the math?   Keith Weinhold  11:08   Yeah, if rates drop 1% does that make you want to perform more purchases? Does that make you want to refi something that you already have and at the same time that you do that refinance? Okay? That may or may not save you a lot in payment. But another consideration is, okay, well, at the same time you do that refinance, oh, maybe you could take cash out and use it as a down payment for another property, or just use that money for something else,    Caeli Ridge  11:33   absolutely, and you know what we're talking about. That from a purchase perspective, if rates drop 1% tomorrow, from an investment perspective, what do we think is going to happen to the rest of the market? The homeowners are going to be coming out of the woodwork, right? The owner occupied the competition is going to get very, very stiff, steep. I would say that if you are banking on or waiting for rates to do X, Y and Z, you are missing massive opportunities today. So there's a lot of reasons not to hesitate and be waiting on some magic, massive rate drop.   Keith Weinhold  12:04   All right. Well, those were three interesting what would you do scenarios you mentioned the possibility, and it's surely only a possibility that mortgage rates will drop sometime in the near future. Let's expand on that. If someone is indeed waiting for rates to drop. What are they risking in the meantime?   Caeli Ridge  12:25   You know, this is such a good but complicated question. There's a lot of layers to this. If someone has a magic number in their head, again, I'm going to press back and say you have to be doing the math. All right. So a lot of people conveniently, maybe not so conveniently. But a lot of people forget that interest rates, by nature, always drop or reduce much slower than they're going to climb. Okay, historically, go back and do your own research here. Interest rates, when they go up, they tend to kind of go up quickly. When they come down, they really kind of trail, and it's a slow, progressive landing. It's not a quick thing when they come down. So if we know that that's true, or at least historically, that's been true an interest rate reduction of an eighth or a quarter or three, it's of a point. Maybe that takes us a month or two or six or a year. What does that really mean to that payment? You have to be doing the math so, largely dependent on the loan amount. Okay, if you think that interest rates are going to be reduced in a month from now by a quarter of a percentage point, what does that mean to the payment? Does it mean $12 a month? Does it mean $100 a month? And in that scenario, in that calculation, what are you giving up by waiting the month or two or six for a what if I think that you are diminishing your rates of return by waiting on a come that one may never happen, and two, the significance is probably far less relevant than you are giving it credit for.    Keith Weinhold  13:52   Now, I think generally real estate investors want low mortgage rates. Obviously, it gives us a better refinance opportunity. It gives us a better purchase opportunity, potentially, okay. In general, we want lower rates. However, there are some reasons a lot of people don't think about as to why lower mortgage rates are actually bad for a real estate investor. If you just look historically, when have we had extraordinary low mortgage rates here in these past 20 years? Well, they've been to get us out of huge economic problems, late to global financial crisis or the covid pandemic. So if you're wishing for really rock bottom rates, which again, is tempting to do, and is advantageous, in a sense, there is a downside as well. If there are super low rates, a lot of people might be out of work, including your tenants. So that's the reason that we want to be careful as to what we wish for, with rates being super low and artificially low, like they were a couple times in the past two decades. And you know, Caeli another reason why I'm not fully in love. With low mortgage rates, although I liked them, is the fact that I look back and notice as being a property investor for more than two decades now, is that I have had tenants leave when mortgage rates are too low and lending is too easy, especially leading up to the global financial crisis, it was so easy to get first time homebuyer loans at really attractive rates. So I had higher vacancy because mortgage rates were so low that my tenants left and became first time homeowners. So yes, we generally want lower mortgage rates, but there is a downside to that as well.    Caeli Ridge  15:35   And I think there's probably a sweet spot, I think such a good point that most people probably don't think about Keith, and I couldn't agree more, when rates have been at their lowest. To your point, all hell is breaking loose economically in so many other sectors. Yeah, be careful what you wish for.   Keith Weinhold  15:51   Any old time, real estate investor would find it really humorous and almost cute that people think mortgage rates between six and 7% are high. You and I know they're historically low. 7.7% is the long term owner occupied, 30 year fixed mortgage rate going back to 1971 per Freddie Mac the most reliable stat set that we have. But now that we have come up back into what's really a more normal range, just like we started to do in 2022 How should someone think overall in not a high but a higher mortgage rate environment? What are some things that actually matter more now than they did before back five plus years ago?    Caeli Ridge  16:32    I want to give you some statistics. So from 1990 to now, the average owner occupied rate was 6.08 now that's owner occupied, and more often than not, you can add about a point percentage point spread between that and non owner occupied in general. So we are right in line with the last 36 year swing of where interest rates have been. So please keep that in mind. Again, that psychology piece. But overall, I think that what we need to be paying attention to, even if, over the last five years, 10 years, interest rates are a little bit higher than we came to recognize them, the pandemic was an outlier. You guys. Okay, let that lie that's hopefully never to repeat itself. But what we want to be focusing on, and I know that I'm beating a dead horse here, is that you have to get rid of the mental block that you have about that number that we call an interest rate. You need to be looking at a property holistically that says, does it cash flow based on this tenant application? What about this tenant application? What is my exit strategy? Is my property management doing the job that it needs to be doing? Can I trust them to ensure that my vacancy is low? And if I have to evict somebody that they know what they're doing and they know all the rules in the different cities and counties, I think that those are going to be more prevalent to the successful real estate transaction that gives you the financial freedom that you want long term, stop fixating on the rate. That's my advice.    Keith Weinhold  17:53   Some of those operations that you talked about are controllable, and the mortgage rate is largely uncontrollable outside of maybe getting a better credit score to get a lower rate or something like that, focus more on what you can control. And Caeli, you touched on something interesting that I think a lot of people don't understand, and that is investor financing versus owner occupant financing. A lot of people just don't understand the differences as to why investor loans cost more, tell us about that.   Caeli Ridge  18:25   Yeah, good question. It happens to be about secondary markets, so I won't get too technical, but when we talk about mortgage backed securities right Wall Street, and this is an asset class that is bought and sold and traded, etc, etc, there are demands, obviously, and then you've got layers of risk. So the baseline thinking is that an owner occupant is less likely to default on the home that they live in, right? Something is going on financially with them. They've got some hardships, etc. They're going to cut loose the rental property before they're going to default on their primary so that's just kind of the overall basic. There's other variables in there, but that's the one that makes the biggest difference. Is default rates on an owner occupied versus a non owner occupied. Now I may argue, if I can just add to this. So this is a little bit of a history lesson for those that maybe remember or too young to remember this. 08, 09, housing and lending implode on each other in this country, the financial crisis, et cetera, et cetera. It was the Wild West before that. You could have a pulse and get a mortgage, even investors right, 0% down. They had some pretty risky things out there. We didn't do that kind of stuff, but they were out there, and I certainly contributed to what happened with the oh eight financial crisis. So fast forward, and I feel like when things like that, especially in this country, happen and devastate big, huge sectors of our economy, we knee jerk. And we knee jerk in a way that is almost the 180 of irresponsibility. Let me explain so when we talk about what it used to be like, fogging a mirror, right, having a pulse and getting a loan as an investor or anyone. For that matter. Now fast forward to post, 08,09, you've got Dodd Frank, all that sweeping legislation, etc, they raised the qualification bar. Okay, that's fine. Now I want to come into today's space, and I want to give you guys an idea of the qualification markers between an owner occupied let's just use an FHA and a non owner occupied purchase. So you can have 580 credit and put three and a half percent down and have slightly over a 50% debt to income ratio and get an FHA loan, a GSE government sponsored enterprise loan. All right, a non owner occupied you've got to walk on water. Man, I make that dumb joke, files of blood and DNA samples, you've got 20 25% down minimum. You've got to have x higher in credit score, all these extra reserves, etc, etc. So I would argue that secondary mentality, thinking the non owner occupied is, in my opinion, probably a more stable loan as it relates to default. So there's some disconnect. I think that the way that that is thought about in secondary market speak, but maybe a little TMI for the listeners. In any case, that's the reason that they're looked at differently. The ideal, or the idea is, is that the owner occupied is less likely to default than the non owner occupied. I would disagree with that premise,   Keith Weinhold  21:19   and I think you would agree that things are still pretty tight because lending requirements are still pretty rigid, still pretty strict. You have to have a good credit history and assets and income, unlike what we had to have 20 years ago, when I was a real estate investor myself, back when things were irresponsible and back when things were free flowing, and money was flying, and a lot of nefarious things were happening. Even though I had a good credit score all my life, I was the beneficiary of those High Flying Wild West times myself. I remember on the first four Plex I owned after I had moved out of it so I didn't even occupy it anymore, I got a generous appraisal for a 90% combined loan to value, cash out, refinance 90% that I would not get today, no way.   Caeli Ridge  22:10   Yeah, but that knee jerk is, I think, also part of the problem. They go the opposite way that pendulum shift is, I feel like there needs to be a little bit more reasonability in the mix and different markers to justify who should be getting or being able to take advantage.   Keith Weinhold  22:26   When we talk about investor loans versus owner occupied loans, that really begs the question. Now, when does it make sense to house hack versus go straight into investor loans? What are some of the trade offs there.   Caeli Ridge  22:41   I would argue that if you are in a position and you're willing to share your primary residence with you know, tenants house hack is always a great idea, because you've got these great loan terms, you've got this massive leverage, and almost always you've got other people making the entire mortgage payment for you, or the vast majority of that mortgage payment, I'm such a big fan of that is a strategy for real estate investing. You've got to do it right. You got to do it by the rules. But I can't think of a downside if you qualify and you're willing to do that, to live with other people right next door, etc, etc. Some families don't think that that works for them, whatever, but I just think it's a fantastic way to jumpstart someone's real estate investment journey and then continue it. If you do it right every 12 months, then you'll be able to continue to parlay into the next, the next, the next. One thing I would say about that that I don't get a lot of opportunity to talk about, but since we're talking about here, if you're going to house hack and you've got, you know, a duplex, triplex fourplex, and you want to manage it yourself, which I think everybody should be responsible to manage at least one rental property in their lifetime, maybe official, yeah, yeah. More often than not, people will tend to pay for that service down the road. But having the experience is valuable. Do not tell the other tenants that you are the home owner, do yourself a favor and just you're another tenant, but you're taking care of you know, you don't want to let them know that you actually own the property. There's lots of emotional and different things that you want to avoid giving that information away to the tenants.   Keith Weinhold  24:17   I have had two friends, and each friend owned a fourplex, and what they did is they would manage the other person's fourplex. That way, they were able to keep it more professional and less emotional, since it wasn't the owner directly dealing with the tenant, and that provided a buffer that really benefited them. I haven't done that myself, but I found that such an interesting way to approach it?    Caeli Ridge  24:42   Yeah, that's smart. If that ends up being your situation, definitely horse trade that way. Otherwise, you're just a tenant and you can be on call whatever, just avoid giving that information back to the other tenants that may be there.   Keith Weinhold  24:54   Well, there's an underwriting reality out there that chili can share with us versus. Some of the online advice that you get, and what some of the biggest myths are that borrowers believe. We'll talk about that next. You're listening to get rich education. Our guest is Ridge lending Group President chailey Ridge, more we come back. I'm your host. Keith Weinhold.    Keith Weinhold  25:12   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721 the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash, slash GRE, that's F, l, O, C, K, homes.com/gre    Keith Weinhold  25:47   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Ted Sutton  26:22   Hey, it's corporate directs Ted Sutton, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  26:29    Welcome back to get Rich's case, we're talking with a familiar and recurrent guest Ridge lending group, President Caeli Ridge Kelly, talk to us about your underwriting reality there, versus some of the advice that one gets online sometimes, including what really gets a loan approved with some of those things like income and reserves and DTI.    Caeli Ridge  26:59   You know, this can be so confusing for the consumer, because there are so many different vehicles in which to get Mortgage Funding, and there's something in our industry called an overlay. Okay, an overlay is taking the purest form of a guideline and adding layers of risk to it. I'll give you an example. Let's say that we know, or most of us know that Fannie Mae and Freddie Mac allow for up to 10 finance properties per qualified individual, right? That is a straight Fannie Freddie guideline B of A, and this could be wrong, but a big boy bank may have an overlay and layers of risk that say we will only allow up to four, right? So all of this differing information, conflicting information, when the nice thing with ridges is that we go by the purest form of the guideline, we are not going to impose those overlays. So in working with us, you're always going to be sure that we know exactly what those guidelines are. We know them like our own faces, and that we're not going to impose some additional risk layering or overlay that might prohibit or preclude the qualification. It's pretty basic stuff. I mean, if you're going full doc, Fannie Freddie, and this can apply to our owner occupied and, of course, all of our non owner occupied income, debt to income, credit and assets, it's a pretty basic formula that we use. And then we've got all the other products that we have. Again, knowing those underwriting guidelines like the back of our hand, is very important to making sure that we can navigate the battleship in a creek. That's the analogy that I give that tends to be mortgage lending, or what feels like mortgage lending anyway. So it's pretty basic. We have to understand what the borrower's qualifications are out of the gate, and then we can provide them with a schematic of options that they can tell us which direction they want to go in    Keith Weinhold  28:42   for quite a long time now, one could get 10 conventional investor loans, single or 20 married. It wasn't always that way. I remember attending a real estate workshop in 2012 and you could only get four loans, or at least you could only easily get four investor loans before that expanded to 10. And we just shouldn't always assume that it's going to be this way forever.   Caeli Ridge  29:06   Yeah, so I kind of going back before 08,09, there was no limit to the number of finance properties Fannie and Freddie would secure per individual. After that crash, it shut off, and it got to four to your point. And then it stayed there for a while, until we kind of brought it back to that 10. You know, there's been rumors for years that they're going to up it to 12 or 15 or some random number. I don't even know where it's coming from. I always make a joke and say, Yeah, between now and my death, we'll see that. But it would be nice. It would be nice if they increase that number a few   Keith Weinhold  29:35   now, as someone is qualifying there, you probably run into a lot of borrowers that believe certain myths or have to have misconceptions corrected. Tell us about some of those    Caeli Ridge  29:45   the biggest myths, I'm going to say that it's probably one of three things they believe that they've got to make 10s of 1000s of dollars a month or hundreds of 1000s of dollars a year to qualify. Absolutely not true. It's so much less about the monthly. Income than it is the monthly income in relation to your minimum payments on your credit report. So just as an example, I could have a client that only shows $1,000 a month of income, but if they truly have no debt and some of the other qualifying criteria, they can qualify for a mortgage on an investment property, because the investment property has income to offset that mortgage payment. So it dispel the myth about having massive amounts of monthly income. That's not necessary. It's about the income and your monthly debt that we find on your credit report. That would be the first thing. The other thing, speaking of credit reports, I would say, is that a lot of times, people think that the overall debt that they're carrying matters. I mean, Mr. Jones could have $300,000 worth of debt, but his monthly payments are only 1500 All I care about is that monthly amount. I do not care what the total outstanding debt is. I hear that one a lot inquiries, credit inquiries. Every time you have your credit pulled, it drops the score, 20 points. Not the case. Now I can go down that rabbit hole, Keith, but it is a rabbit hole, so maybe I'll just leave it there. Your credit score does not drop X number every time you have your credit pulled. That's a misnomer.   Keith Weinhold  31:07   Well, actually, that brings up a thought. Then once prospective borrower initiates with you in there and gets the ball rolling in qualifying for a loan, what are some reasons that deals die late in the process? So what does it take to be sure to hold that together?   Caeli Ridge  31:23   You know, I think it all boils down to communication. And we tell our clients this on the front end, treat us like your attorney. You tell us everything, do not own anything, so that we can ensure that we're guiding you appropriately. So lack of information can derail things. Let's say, for example, they change jobs, and it's a completely new line of work, and it could prohibit or preclude the amount of income that we could have we were using now DTI gets changed, or they buy a new car in the middle, and they don't think it's going to come up. And now it's a DTI issue. It can be all kinds of things, but the point there is communication is key. Just keep us informed, and then we will give you the input or advice, and then you do what you want with that. But at least it's not once the bell is rung.   Keith Weinhold  32:05   Live pretty conservatively and safely until that loan closes. Yes, sir. Well, does that bring up any stories? Sometimes people learn better that way. Is there a deal? Perhaps that should have worked, but it didn't.   Caeli Ridge  32:20   That's a good question. You know, I think that the answer is no, and mostly because we have such a diverse menu of loan products, even if something did happen and even if it was outside of anyone's control, let's say we would normally just pivot to another loan product that would accommodate whatever that event ended up being. I cannot think of an example where a deal fell apart that could have gone differently, that we weren't able to just simply pivot into another path and close the loan for    Keith Weinhold  32:49   well, America is a place that promotes entrepreneurship, and it seems like side hustles as well are more popular than they've been before. So can you talk to us about how self employed borrowers get evaluated?    Caeli Ridge  33:04   Yeah, it is different. I mean, the simplest way to describe it is, we're going to take the adjusted gross income, but there are something called add backs. So depending on what their deductions are, there are certain things like Depreciation or Amortization or, I mean, there's a whole slew of things that we're able to take those numbers and add it back into the Adjusted Gross and then divide by 12 or 24 whatever it needs to be. That's typically what we're going to be looking at for a self employed person, versus the straight w2 is just the gross income divided by 12 months.   Keith Weinhold  33:35   Well, Caeli, this has been really good with some strategies and some actionable tactics. Before I ask how one can learn more about ridge? Is there any last thing that you'd like to share with us, whether that's to expand on anything we discussed, or any of the more nascent things that have happened, like banks holding less in capital reserves, or Fannie Mae, except in crypto back mortgages? Is there anything else we really ought to know?    Caeli Ridge  33:57   You know, I think my advice right now for anybody that is in real estate investing, thinking about getting into real estate investing, be informed. Listen to people like Keith, ideally, listen to people like me. I've been doing this for a very, very long time. I'm an educator at heart. Get your information from sources that you can trust, and try to avoid the analysis paralysis the best you can. I know that people get hung up on that, but now is the best time ever, and I would say that tomorrow and the next day and next year and the year after that, to invest in real estate.   Keith Weinhold  34:27   Yes, the only thing that could possibly make now better than ever is now is sooner than it's ever going to be again. Well, Caeli, if someone wants to get a hold of ridge so they can tell you their situation, and you can then help them find out how you can best help. What should they do?    Caeli Ridge  34:43   There's so many ways. Check out our website, ridgelinengroup.com you can email us info@ridgelinengroup.com you can call us toll free at 855, 74, Ridge. All of those ways get to us, and I look forward to speaking with each and every one of you   Keith Weinhold  34:58   that's been valuable. Always It's been great having you here.    Caeli Ridge  35:01   Thanks. Keith   Keith Weinhold  35:08   Caeli brought up a great point from the lender's view, when they make a loan, it might be safer for them to lend on an income property loan, actually, than it is for your own home, because on the income property, you have a substantially higher qualification bar to clear, and you have to make a higher down payment on it. I hadn't thought about it that way before. As far as Fannie Mae accepting crypto backed mortgage structures, that is still new as of this year. How it works with a crypto backed mortgage is that you're usually getting two loans. First you get a normal mortgage, and then for your down payment, it's a separate loan that's backed by your crypto. Your crypto stays locked up for years and you can't trade it while it's pledged as your home down payment. That's generally how it works. But notice the attraction. You would also get to keep your crypto while you're leveraging it. Also notice the risk there, and very few banks offer this, think Coinbase and not JPMorgan Chase. It's still new and niche, and it remains to be seen whether or not crypto backed loans will gain any real traction. It's only likely going to accept Bitcoin, Ethereum or stablecoins, not altcoins. Only about 1% of homebuyers use crypto in transactions. Most of what the current presidential administration has done focuses on making mortgages easier to get, not in making homes cheaper. Making mortgages easier to get means more bidders and higher prices. Washington can make it easier to get a mortgage, but they cannot make a $400,000 property cost $300,000 we talked about how to borrow to win today, and big thanks to our terrific guest. Until next week, I'm your host. Keith Weinhold, though you might quit your day job, don't quit your Daydream.   Speaker 2  37:17   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively you   Keith Weinhold  37:45   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

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This one is for the billion-dollar assets of each practice: the doctor! Kiera is a pragmatic cheerleader, encouraging doctors to realize the asset they are. She touches on self evaluation, burnout, and building a practice that doesn't require constant sacrifice. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera. today I just want to give you a perspective shift that I hope you take, that I hope you run with. And I hope that you see the beauty in just thinking about it differently. I'm Kiera Dent. I'm the host of the Dental Dental A Team podcast. I love all things dentistry and I love positively influencing and infusing and impacting your life for the better. ⁓ We fly physically to your practices or we coach your team, you and your team virtually.   We also have in-person doctor masterminds where our entire community gets together. We share, we laugh, we have a good time and it's for doctor and leadership. I don't believe that running a successful practice should be hard. So come aboard, join us. You can always head on over to our website, TheDentalATeam.com, click on book a call. We do a free complimentary assessment of your whole practice, leave you with tactical, tangible tips and advice. So reach out, there's no reason to do this alone. And if you have an expert, that's your podcast buddy.   Let's do this together. There's no reason to make your life hard. I'd love to connect with you even just to say hello. So today I'm going to just give you guys this like really fun thing of dentists. are truly the greatest asset of your practice and you need to start protecting that. Woo. I said it. now be careful. There's a fine line of egotistical and humble, but I want you just to realize that doctors like you are the greatest asset. If we don't have you producing, we don't have your vision. We don't have a business. Let that sink in for just a second.   Like you're not a provider. You're not just a provider. You're our like entire ecosystem. And so taking care of you, I have on here, I'm not joking. It literally is right here on my computer. says I'm a Foxy Fit billionaire babe. And I also say my body is a billion dollar asset. Treat it like such. I have a thing that says I identify as a Ferrari. ⁓ Things to remind me that I really need to take care of me because I'm the greatest freaking asset. And again, it's not coming from a place of egotistical. It's just facts.   And so I want you to just realize that we've got to take care of you. And so I wanted to just give you three quick tactical tips today on how we can take care of the most valuable driver of the practice, which is you. So I want you to start thinking of yourself as that billion dollar babe or billion dollar boy, like whatever you want it to be. But like, if I really have a billion dollar asset, be as in boy or babe, I need to start treating myself like that. Like you're probably producing 500 million.   two million, four million, 20 million annually. Your diagnosis influences millions of people and lives over your career. And yet you run yourself like you're replaceable and you just run yourself into the ground and you just think that you're this machine. And I just want you to realize that like that's not sustainable. Like you need to start realizing I'm a billion dollar asset. And when like this means we don't skip lunches, we don't skip workouts, we don't like overwork ourselves, we don't.   squeeze emergencies in on every single day. Like you did that when you were growing the practice and I get it. But like, you guys production on the top might not be great for the body on the bottom. We might have decision fatigue. We might have case acceptance failing. Like everything's spinning around breaking because you yourself is breaking down. We've got to start treating ourselves like a high value asset. Going to the gym, eating food regularly, taking care of our relationships, being, showing up for other people, having a quiet mental time. This is a spot of like,   Okay, does my schedule protect my performance or does it drain it? If you can't even go to the bathroom in the middle of day, you might need to change some things up. And I know a lot of dentists do this. I did this as a dental assistant. We just run crazy because we're like, we need to serve all these patients, which is great. But the next piece is like burnout is not part of your job. So exhaustion impacts your leadership. Tired doctors avoid hard conversations. Diagnosis gets more conservative the more tired you are and more burnout.   team feels tension grows starts to plateau. And so when we look at this, like not only is it a personal issue, it's also a business liability. And I have seen plenty of doctors go through to where they actually stopped diagnosing as strongly. And it's not that they're doing anything wrong. They just were running themselves ragged. were draining themselves. Like burnout should not be part of the job. You didn't sign up for this, go into all this debt, go to school for all these different things just to have it be where you're not, like you're not able to take care of you. And then   Like we got to look at this and say, like, your business should work for you and not the other way around. So how can I build a practice that does not require constant sacrifice? So my growth should create freedom, not heavier days. If everything depends on you, the practice is not scalable yet. We need to scale it down and get pieces, people and processes in place before we do that. And taking care of ourselves. I'm not kidding. Like going to the doctor regularly.   having date nights with our spouse, working out at least three times a week, ⁓ making sure that we're standing up and moving our bodies, making sure that we have mental health time for ourselves, going to meeting with a therapist if we need to, having meditation time in the mornings, going for walks, getting outside, having, like I said, date nights where you're not exhausted, making dinner. That's life. It should not be, I mean, I do this too, so I'm equally guilty and I'm not here to preach, I'm not here to...   be above, I'm here to be with you and to say that like, okay, I want you to map out your perfect life. I want you to say like, hey, what did I imagine my life looking like by building this practice? And it can change and it can morph. So it doesn't need to be like at the beginning. For me right now, I want it to be like Mondays are meeting days. I work out three to four times a week. I'm off work every single day at four o'clock. I go for a run or a hike or a walk with my husband every single day outside.   I do yoga every single day for at least 10 minutes. try to have like Fridays are my CEO time where I just have like white noise time. But this has been an evolution of Kiera. This is Kiera was running herself so ragged that there was nothing left. I didn't want to be with my husband. had no time. Like literally I'd walk up from work because you know, I'm downstairs, just walk up the stairs, don't have a long commute. And I'd be like, I'm just so exhausted. I have nothing in me to make dinner. I have nothing in me to like talk to you.   I wanna just sit on the couch and veg and have TV time. That's not living. That's not why I built this business. Like here I am making all these dentists have their fulfilled lives and teams. And yet I'm drowning and feeling like I have no time for vacations. I have no time to be with my family. I have nothing that makes me feel like me. And what I found is you switched that. I meditate every morning. I do yoga 10 minutes before. I used to be like, okay, let me hurry and like work on the business beforehand. Like I felt like I was getting so much done. And now it's like, no.   I don't start until 730, eight o'clock. I don't look at Slack. Slack's no longer on my phone. Emails are no longer on my phone. ⁓ If clients text me, that's great. I'm going to respond to you at eight o'clock when I'm in the office. Of course, if it's an emergency, we will absolutely take care of it. But generally speaking, I need to take care of Kiera. I need to take care of my life. I want to show up for my husband. I want to show up for my family. I want to show up for me. And when I started realizing like, if my body was a Ferrari, I'd put the best fuel in it. So let me fuel myself in the best way.   I would wax and shine. So let me go work out and like, I go sit in the hot tub sometimes in the middle of the day. Why not? You can take mental breaks at the practice too. You don't always have to be working. Have good food. You can hire people that can help you with this. Personal assistants are great. Like everything does not need to sit on your shoulders. I have a gym trainer. I have a personal assistant. I have an executive assistant. I am about to hire a house manager. I do have a house cleaner. I have a lot of people that support me and help me.   And I realized because I need to take care of me. So for you, I want you to look to see how can you treat yourself more like a billion dollar asset? Everything I listed off to you is 10 years in the making. It did not happen overnight. What's one thing today that you could do to treat your body and your mental psyche as the billion dollar asset that it is for your practice? How can we implement just a little bit? Because you're not just working in a multi-million dollar practice. You're a leading one and you're producing it.   and I need you to operate accordingly. NBA like players, they're not on the court every single day. Football players, they've got seasons. All of us have seasons. In dentistry, we don't get seasons. We've got patients that come every six months, which is great. So we got to make those seasons throughout the week, throughout the day, throughout the month to make sure we're taking care of you. So I want you to just think about like, how can I look at my practice? How can I make sure my practice is working for me and not me working for my practice? It's really crazy. I actually...   This is going to be a little TMI guys. Welcome to Kiera's life. I hope you're ready for it. I actually put like chalkboard in my husband and my bathroom and I have markers in there and hand sanitizer. Don't worry. I want to make sure it's always clean. ⁓ but it's first like write little love notes to each other. And on there I said, I said, we work to live. We don't live to work. ⁓ our, and like, that's what it should be.   We work is such a vehicle for us. It creates so much identity for us, but also it can create a lot of stress for us. And so I really hope today is one where you can think about it. I am the greatest asset of my practice ⁓ and I need to start protecting it. So what's one small shift? Can I go to the gym? If I'm already doing a lot of things, how can I up it for myself even more? For me, my latest is like, I shut the door at four o'clock and I'm done and I go for a walk right after work. That's more self care for myself.   ⁓ At night I go to bed listening to a really like calming meditation that makes me think on such a higher level and I love it. I absolutely love it What what can you do as a billion dollar asset for yourself? Because the more you take care of yourself the more you put the oxygen mask on yourself first the more you realize that like I said at the beginning it's a We start operating like a high-value asset. We stop treating burnout like it's part of the job   And we build a practice that does not require constant sacrifice. You start to thrive. You start to blossom. You start to grow. You start to realize that you are important. And like you are a member on the team. A great litmus test that I often ask myself is, if I worked for someone like I do today, would I keep working here? And if the answer is no, I ask myself why? And then I commit to within 30 days, I make a change to make that better. So for you, I just want you to   protect you as an asset, stabilize your business and realize you're playing for the long game, not the short game. Because the best practices are not built on sacrifice, they're built on sustainability. Truly, I'm so excited for you. If we can help you, think sometimes having a coach give you permission to take care of yourself, to take the vacation, to help you see it's not gonna break down and we've got the infrastructure built around you, can be so freeing. So reach out because you were not meant to be a machine, you were meant to be a human being.   and I hope that that resonates with you. Reach out Hello@TheDentalATeam.com, click on our website, TheDentalATeam.com click on the link, book a call. I'd love to help you, I'd love to give you any tips because life is made for you and not to you. It's all happening for you and not to you. So this is your chance, this is your one life, and I hope that you're living the absolute best version of it. And if we can help in any way, we're here for you. You are the greatest billion dollar asset of your practice. Treat yourself as such.   And as always, thanks for listening and I'll catch you next time on the Dental A Team

Anyone in search of deeper personal connections or improved athletic performance needs to listen to this episode in which Coach Liz Waterstraat delves into Revealing: The Underrated Power of Oversharing by Leslie John. Coach Liz details why sharing thoughts and feelings helps manage the emotional load of striving; how silence sends a message (which prompts a pickleball anecdote from host Sarah Bowen Shea); and how humanizing it is to share. In true Another Mother Runner style, TMI quips abound in this ep!Follow us on Instagram: https://www.instagram.com/themotherrunner/ Feisty Fest: Join us from September 18-20, 2026 - https://feisty.co/events/feisty-fest/ Momentous: Use code AMR for up to 35% off your first order at https://www.livemomentous.com/Wahoo Kickr Run: Use the code FEISTY2026 to get a free Headwind Smart Fan (value $300) with the purchase of a Wahoo KICKR RUN at https://shorturl.at/WVhdr