Podcasts about TMI

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.*

Le guide complet du PER pour utiliser vos impôts et investir en masse ! (DCA, PER, ETF)Dans cet épisode, nous explorons l'un des leviers les plus puissants pour l'investisseur français : le Plan d'Épargne Retraite (PER). Souvent mal compris, le PER est en réalité une arme de construction massive pour votre capital. Nous vous montrons comment "subventionner" votre investissement par l'État en transformant votre impôt sur le revenu en capital productif.L'objectif est de maîtriser l'ingénierie du PER pour maximiser votre effet de levier fiscal et dynamiser votre performance grâce aux ETF.Au programme de cet épisode :Le mécanisme de la déduction fiscale : Comment fonctionne l'avantage à l'entrée ? Pourquoi le PER est redoutable pour les TMI à 30 %, 41 % ou 45 %. Une réduction immédiate de votre effort d'épargne.Investir en masse (Le cercle vertueux du PER) : Démonstration mathématique : pourquoi réinvestir son économie d'impôt génère un effet "boule de neige" sur vos intérêts composés.Stratégie ETF et DCA au sein du PER : Comment construire une allocation d'actifs agressive et diversifiée en utilisant des ETF et en appliquant une stratégie de DCA (Dollar Cost Averaging) pour lisser votre point d'entrée.Sortie en capital vs Sortie en rente : Le moment de vérité. Analyse des scénarios de sortie et de la fiscalité associée. Pourquoi la sortie en capital fractionné est souvent la stratégie la plus flexible.Focus Dirigeant et TNS : Spécificités pour les indépendants et chefs d'entreprise : optimisation des plafonds de déduction et protection du conjoint via les clauses bénéficiaires.Apprenez à ne plus voir l'impôt comme une fatalité, mais comme une ressource à votre disposition pour bâtir votre liberté financière.

"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!

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.*

We all make mistakes. Sometimes we're able to brush off these experiences, but other times we're left with regrets. We regret that thing we said, how we handled that situation, or the choice we made. In this episode, host Samantha Laine Perfas, palliative care specialist Susan Block, neuroscientist Liz Phelps, and behavioral scientist Leslie John discuss how to make peace with the actions – or inactions – that still haunt us.

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

Welcome to the wild! Charming guest Landree Fleming joins us for an all natural improvised musical much better than Shakespeare's original, complete with shrewd shrews, sick scientists, and a ravenous revolution. La la la! Landree Fleming (She/Her) is a Chicago-based actor, director, and improviser. Catch her most Tuesdays in TMI at the Annoyance Theatre. She's performed at the Paramount Theatre, American Theater Company, Marriott Theatre, Drury Lane Theatre, Porchlight Music Theatre, Griffin Theatre, and Theatre at the Center. She's directed at Paramount Theatre, Marriott Theatre, Metropolis Theatre, Theo Ubique, Roosevelt University, and North Central College! She stars in the Dungeons & Dragons TV show Encounter Party from Hasbro, Wizards of the Coast, and eOne, currently streaming on Plex, Freevee, and Roku, an adaptation of her podcast with the same name. She's appeared on Chicago P.D. and Chicago Med, and recently directed Modern Gentleman at About Face Theatre. Rep: Stewart Talent IG: @landreerfleming Cast: Lily Ludwig, Austin Packard, Landree Fleming Music Director: Sam Scheidler Drums: Chris Ditton Charm Scene is performed entirely by humans in sunny Chicago, IL. For more on the podcast, follow us @CharmScenePod on Instagram, visit us online at charmscenepod.podbean.com, or email us at CharmScenePod@gmail.com. In listening to this show, we hope you continue to support live human art wherever you find it. Stay charming!

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  

It's a shorty but it's got some shout outs, some TMI chat, and a confession from one of us. See omnystudio.com/listener for privacy information.

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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

Professor Leslie John on the ROI of TMI

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.*

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

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.*

We're putting Gorka's Spanish roots to the test in a game to see if he can spot who is the spaniard… but will he struggle now that he considers the UK is home?! Gemma shares her TMI memories of Magaluf and as it's Earth Day they share what they love about the planet!Contact us at lostintranslation@bauermedia.co.uk or WhatsApp on 07761039898.Producers - Henry Hewitt & Molly CarterSenior Video Producer - Elena CottonSocial Media Producer - Cassidy RebeloProduction Assistant - Emily SpunginProduction Manager - Sarah NichollsExecutive Producer - Laurence BassettHead of Production - Cat MoranChief Creative Officer - Lucie Cave Follow us on social:www.instagram.com/lost.in.podcastwww.tiktok.com/@lost.in.podcast

Jenn talks about recording the latest episode of the TMI podcast with an autism panel. 

We have a roof gator and a man who demanded free gas in the Ill-Advised News. Emo mom texts, and Cass puts Anthony’s ear to the test with some ASMR. We share how we learned something we didn’t need to know about an old coworker and hear your stories of TMI moments. We play WAY or NO WAY in honor of Gerard Way’s bday, and have Ill-Advised News with an imaginary friend excuse and a crazy baptism murder. Support the show and follow us here Twitter, Insta, Apple, Amazon, Spotify and the Edge! See omnystudio.com/listener for privacy information.

TMI. Support the show and follow us here Twitter, Insta, Apple, Amazon, Spotify and the Edge! See omnystudio.com/listener for privacy information.

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.*

Things get 'familiar' as we welcome charming guest Brady Barrow! Inspired by Brady's haunting experience playing Dracula's #1 sidekick Renfield, we travel to the monstrous, blood soaked streets of New York City, where we find collegiate creatures, waltzing werewolves, man-made men, and so much more. It's time to transform on this week's Charm Scene! Brady has been waiting her whole life to be on Charm Scene and is so excited. Its probably all downhill from here. In the past she has been a part of multiple productions such as TMI @annoyance, Made Up Musicals @annoyance, Help! Let Me Out RN! @annoyance, Baby Grand (iO House team), Improvised Broadway @iO, Now That's What I Call F*ck It @secondcity, and more! She is part of a two-person sketch ensemble entitled BUTTERFACE, with her good friend Ollie Grishaber. You can find Brady on Instagram @brady.barrow.comedy or at bradybarrow.com. When she is not performing she is crocheting or annoying her cat. Cast: Lily Ludwig, Austin Packard, Brady Barrow Music Director: Sam Scheidler Drums: Chris Ditton Charm Scene is performed entirely by humans in sunny Chicago, IL. For more on the podcast, follow us @CharmScenePod on Instagram, visit us online at charmscenepod.podbean.com, or email us at CharmScenePod@gmail.com. In listening to this show, we hope you continue to support live human art wherever you find it. Stay charming!

TWS News 1: Napping GenZers – 00:26 Your Favorite Bible Story as an Adult – 3:31 CCU Contest Promo – 7:56 TWS News 2: Shrimp on Treadmills – 10:56 Cool Things Your Company Did – 13:57 TMI – 22:10 Type of Building Named After Us – 24:42 Wordsmith: Flamper – 29:04 Rock Report: Country-fried Disney – 32:04 How A.I. Helps You – 34:57 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: @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.*

These are our confessions. Two heavily pregnant (and slightly cranky) midwives jump on the mic and… really bare all.This one is unhinged in the best possible way - a chat that's equal parts silly, honest, and deeply relatable. We lean all the way into the TMI, covering everything from pregnancy cravings to sex dreams and libido, with a casual sprinkle of vulval varicosities and anal fissures (because nothing is off limits here). It's raw, it's real, and it's a big dose of solidarity for anyone in the thick of pregnancy - and a moment of silence for our poor husbands who were really on the receiving end of pregnancy irrits. We're so grateful to be in your ears and appreciate your patience with us. Next week, we'll be back with a real-time update on our postpartum transitions after welcoming our baby boys (!!) just four days apart in early March. 

Humor won't cure depression. But it might save your life. That's not a metaphor for Jenny Lawson. It's the hard-won truth of more than two decades of living with treatment-resistant depression, anxiety, and the kind of dark seasons that make getting out of bed feel impossible.Most of us hide when we're struggling. We perform wellness for the world and suffer in silence behind closed doors. Jenny took the opposite approach, writing about her darkest moments with such radical honesty and unexpected humor that thousands of people have written back to say those words kept them alive. This conversation explores how she does it, and what the rest of us can learn about finding light and meaning in the hardest places.Jenny Lawson, known to millions as The Bloggess, is a #1 New York Times bestselling author, humorist, and the owner of Nowhere Bookshop, a beloved indie bookstore and bar in San Antonio, Texas. Her books include Let's Pretend This Never Happened, Furiously Happy, You Are Here, and Broken. Her upcoming book, How To Be Okay When Nothing Is Okay (Tips and Tricks that Kept Me Alive, Happy and Creative In Spite of Myself), arrives March 31, 2026.You'll discover...The single phrase Jenny returns to during every depressive episode that stops her from believing the darkest lies her brain tells herA simple "easy mode" approach to work and daily life that gives you full permission to do less without guilt, and why it often leads to better results for everyoneWhy sharing your struggle honestly can create an unexpected ripple effect of connection and healing for people you've never metA powerful reframe of what success actually means that has nothing to do with money, status, or bestseller listsHow to find "your people" and build real friendship even when you're deeply introverted, anxious, or terrible at texting backIf you're navigating a hard season right now, or you love someone who is, this conversation is full of practical warmth, unexpected humor, and real tools for gettingthrough it. Hit play and let Jenny remind you that you're not alone, and that finding joy in the middle of the mess isn't just possible, it might be the very thing that keeps you going.You can find Jenny at: Website | Instagram | Episode TranscriptNext week, we're sharing a really meaningful conversation with Harvard Business School professor Leslie John. We're diving into the science of disclosure—specifically, why that cringey feeling of 'oversharing' might actually be holding you back from your best relationships. We'll discuss how to find the sweet spot between being a closed book and TMI.Check out our offerings & partners: Join My New Writing Project: Awake at the WheelVisit Our Sponsor Page For Great Resources & Discount Codes Hosted on Acast. See acast.com/privacy for more information.

We've been told that “oversharing” (TMI) is a social sin. But our guest today, Leslie John, who teaches at Harvard Business School, argues that TLI (Too Little Information) is far more dangerous. In her new book, Revealing: The Underrated Power of Oversharing, she shows how personal, vulnerable, even uncomfortable disclosures are the wellspring of trust, friendship, romance, and professional success. Watch The Next Big Idea on YouTube! You can find our episodes ⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠. Follow Rufus on ⁠⁠⁠LinkedIn⁠⁠⁠, subscribe to our ⁠⁠⁠Substack⁠⁠⁠, or send us an email at ⁠podcast@nextbigideaclub.com⁠. We love getting fan mail. Sponsored By: Fabric — Join the thousands of parents who trust Fabric to help protect their family at ⁠⁠meetfabric.com/nbi⁠⁠ Factor — Head to ⁠⁠⁠factormeals.com/idea50off⁠⁠⁠ and use code idea50off to get 50% off your first box Granola — Get three months free at ⁠⁠granola.ai/idea⁠⁠ Shopify — Start your $1/month trial at ⁠⁠⁠⁠⁠shopify.com/nbi⁠⁠⁠⁠

TWS News 1: The Scandinavian Sleep Method – 00:26 Is It Just Me – 3:07 Amateur First Responder: Meals on Wheels – 7:44 TWS News 2: Delta to Congress – 12:14 Confession Session: Less Than Your Best – 15:08 Prayer Wall – 20:52 TMI – 23:08 HHBHTS – 26:34 Snap Judgement – 28:42 Rock Report: Ruining the Environment – 36:56 Zoom Out – 40:03 Africa Promote – 43:40 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: @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.*

When a child is born, there are many things they must learn. One of those things is how to use the bathroom. This may be TMI, but I remember being young and asking my parents for help all the time because I was learning the proper ways to go! This is going to feel like a stretch, but you must ask God for help just as often, if not more, for help because He's the one who can guide you through life's ups and downs. In today's message, Pastor Ken says God's a protector and will always look out for His children!

What if the amount of information share—or don't share—is affecting your life more than you think? We live in a world where oversharing gets a bad rap, but undersharing can be just as problematic. Striking the right balance between too much information (TMI) and too little information (TLI) is a skill that can improve your relationships and even help you grow mentally stronger. My guest today is Leslie John, a behavioral scientist, Harvard Business School professor, and author of the new book Revealing. Leslie shares her insights on the science and art of sharing, and how revealing just a little more can strengthen your connections and mental health. Some of the things we discuss in this episode include: Why undersharing might be a bigger problem than oversharing. The surprising benefits of taking small social risks and sharing more. How to identify opportunities to share meaningfully without crossing into TMI territory. The role of emotional literacy in understanding and communicating your feelings. Why silence isn't always the safest option—and how it can hold you back. How to handle the tension of “Should I speak up or stay silent?” Why we're more likely to share secrets with strangers than close friends. The surprising power of sharing your feelings—even at work. How to recover when you feel like you've shared too much. Why revealing something personal can actually make people like you more. Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mentally Stronger Premium⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for exclusive content like weekly bonus episodes, mental strength challenges, and office hours with me. Related Episodes ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠62 – How to Be Authentic Without Oversharing with Dr. Nick Morgan ⁠261 - The Small Social Risks That Spark New Connections and Deepen Your Relationships With Ben SwireLinks & Resources Links & Resources Revealing Connect with the Show Buy a copy of⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠13 Things Mentally Strong People Don't Do⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with Amy on Instagram —⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@AmyMorinAuthor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Visit my website —⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AmyMorinLCSW.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Sponsors Warby Parker — Get 15% off + Free Shipping when they buy 2 or more pairs of prescription glasses at ⁠WarbyParker.com/AMY⁠ Quince — Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quince.com/stronger⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping on your order and 365 day returns! AirDoctor — Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AirDoctorPro.com ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠and use promo code STRONGER to get UP TO $300 off today! Function Health — Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠functionhealth.com/stronger⁠⁠⁠⁠⁠⁠⁠⁠⁠ or use gift code STRONGER25 for a $25 credit toward your membership. One Skin — Go to ⁠⁠⁠⁠⁠⁠⁠⁠oneskin.co/STRONGER⁠⁠⁠⁠⁠⁠⁠⁠ and use code stronger to get up to 30% off your first 3 subscription orders Rula — Go to ⁠⁠⁠Rula.com/STRONGER⁠⁠⁠ for quality therapy that's covered by insurance Fast Growing Trees — Get an additional twenty percent off better plants at ⁠⁠⁠FastGrowingTrees.com ⁠⁠⁠using the code STRONGER at checkout Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey Heal Squad! We're kicking off something brand new today… and it's so special. Maria is launching her very first Walk & Talk series! This is a real, raw, in-the-moment series where she brings you along wherever she is in the world. And for this inaugural episode, we're taking you somewhere that has completely shifted her healing journey…El Salvador. More specifically, the magical beach town of El Zonte, a place Maria has quietly been returning to, and is now finally ready to share with all of you. The best part of this episode is that it truly feels like you're right there with her! Keven is right beside her too, as they walk through their favorite local coffee spot, charming streets, lush nature, vibrant flowers, parrots, and ocean views. You'll also find out WHY El Salvador has now become her new healing sanctuary (the energy of the land  has a lot to do with it!), along with her top healing breakthroughs like arriving with hot flashes, and how they completely disappeared once she got there. Plus, her improved digestion (it's a little TMI, but you'll survive!), lowest blood sugar levels she's seen in years, and reduced inflammation (hello, flat stomach!). You'll feel the calm, the joy, and the simplicity that Maria has been craving, and finally found as she has finally changed up her environment to heal! Maria also shares exciting news about an upcoming opportunity for YOU to experience this kind of healing firsthand…our one-day Heal Squad Reset experience! Enjoy! Join Our In-Person Heal Squad Day of Reset: https://www.healsquad.com/reset HEAL SQUAD SOCIALS IG: https://www.instagram.com/healsquad/ TikTok: https://www.tiktok.com/@healsquadxmaria HEAL SQUAD RESOURCES: Heal Squad Website: https://www.healsquad.com/ Heal Squad x Patreon: https://www.patreon.com/HealSquad/membership Maria Menounos Website: https://www.mariamenounos.com My Curated Macy's Page: https://stylecrew.macys.com/@mariamenounos EMR-Tek Red Light: https://emr-tek.com/discount/Maria30 for 30% off Airbnb: https://www.airbnb.com/host AUDIBLE:  https://audible.com/healsquad AG1:  https://drinkag1.com/healsquad  ABOUT MARIA MENOUNOS: Emmy Award-winning journalist, TV personality, actress, 2x NYT best-selling author, former pro-wrestler and brain tumor survivor, Maria Menounos' passion is to see others heal and to get better in all areas of life. ABOUT HEAL SQUAD x MARIA MENOUNOS: A daily digital talk-show that brings you the world's leading healers, experts, and celebrities to share groundbreaking secrets and tips to getting better in all areas of life. DISCLAIMER: This Podcast and all related content (published or distributed by or on behalf of Maria Menounos or http://Mariamenounos.com and http://healsquad.com) is for informational purposes only and may include information that is general in nature and that is not specific to you. Any information or opinions provided by guest experts or hosts featured within website or on Company's Podcast are their own; not those of Maria Menounos or the Company. Accordingly, Maria Menounos and the Company cannot be responsible for any results or consequences or actions you may take based on such information or opinions. This podcast is presented for exploratory purposes only. Published content is not intended to be used for preventing, diagnosing, or treating a specific illness. If you have, or suspect you may have, a health-care emergency, please contact a qualified health care professional for treatment.

Meno join the pod for a wild look into their personal histories and some of the strangest theories on the internet. We're covering everything from Meno's journey through the "Pink Cloud" of wellness to his unique living situation with an older roommate.The guys dive into some Historical Theories, discuss the reality of life behind bars, and get into some hilarious (and slightly TMI) stories about health and wellness. Plus, Chris Faga stops by to discuss his "urgent" lifestyle and why Harrington is currently losing his mind and much more. ON THE GATE! ENJOY!Original air date: 3.16.26Join the live chat Wednesday nights at 11pm EST. Uncensored versions of the show streamed Monday and Thursday at 2pm EST on GaSDigital.com. Signup with code OTG for the archive of the show and others like Legion of Skanks, In Godfrey We Trust, and Story Warz. FOLLOWGeo PerezInstagram - https://www.instagram.com/geoperez86/Derek DrescherInstagram - https://www.instagram.com/derekdrescher/On The Gate! A podcast hosted by two jailbird/recovering drug addicts and active comedians Geo Perez and Derek Drescher, who talk each week about their times in jail, what they learned, what you should know, and how they are improving their life or slipping into recidivism each day!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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.* Hosted on Acast. See acast.com/privacy for more information.

"Everyone deserves a super shoe." Welcome to the second 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'll be covering a wide range of topics including personal running and coaching, the business of running, and "no such thing as TMI." Last week, Eric Jenkins and Aisha Praught Leer kicked off the series answering questions about professional running — and then some.  This week, Jinger Gottschall returns to the show to answer questions about shoes and sports bras. Jinger is the Director of Sports Research at New Balance (listen to her previous episode here), and her days are spent in the research lab working on product innovation.  FOLLOW JINGER @jingerfitness 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. 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:  Toxic Masculinity & Eating Meat – 00:26 Your Foxhole Prayer – 3:10 Good News Giddy Up – 8:57 TWS News 2: Makeup for Kids – 11:57 The Product You Swear By – 15:48 Stryperized: Seph Schlueter – 21:41 TMI – 25:04 Yougle It: Old Pain Meds – 27:16 Office Clown – 33:33 Rock Report: GenX Music Experience – 35:39 Going Above and Beyond for Someone You Love – 39:15 Prayer Wall – 45:04 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.

 Have you ever gotten sick while traveling? Really sick? Today's special guest, Katy's sister Dana, has and on this possibly TMI episode, she joins Katy and Tiffany to explore the illnesses that you might encounter abroad. And how sometimes, they linger with you longer than you had bargained for. ***Katy's sister Dana (who appears on this episode) has recently been diagnosed with stage 4 agressive brain cancer. To help with the staggering medical costs—her specialist is outside her insurance network—as well of the costs of temporarily relocating to San Francsico for her treatments, please consider donating to her GoFundMe. Anything you can contribute will be extremely helpful. Thank you.*** ------------------------------------- COME TO ROME WITH US: Our third annual Bittersweet Life Roman Adventure is in the books! If you'd like to join us in 2026, and be part of an intimate group of listeners on a magical and unforgettable journey to Rome, discovering the city with us as your guides, find out more here. AD-FREE LISTENING: After well over 10 years on the air with little-to-no advertising, in 2026 we have finally made the difficult decision that this completely independent and self-funded show is no longer sustainable without it. HOWEVER! If you join us on Patreon, for as little as $3 per month, you will have access to all new episodes completely ad-free! ADVERTISE WITH US: Reach expats, future expats, and travelers all over the world. Send us an email to get the conversation started. GET TWO BONUS EPISODES PER MONTH: Pledge your monthly support of The Bittersweet Life at the $5 per month level or above, and you will have access to two all-new (and sometimes wacky) bonus episodes every single month. As well as ad-free listening, occasional live meet-ups, and access to our chat community. Visit our Patreon site to find out more. TIP YOUR PODCASTER: Say thanks with a one-time donation to the podcast hosts you know and love. Click here to send financial support via PayPal. (You can also find a Donate button on the desktop version of our website.) The show needs your support to continue. START PODCASTING: If you are planning to start your own podcast, consider Libsyn for your hosting service! Use this affliliate link to get two months free, or use our promo code SWEET when you sign up. SUBSCRIBE: Subscribe to the podcast to make sure you never miss an episode. Click here to find us on a variety of podcast apps. WRITE A REVIEW: Leave us a rating and a written review on iTunes so more listeners can find us. JOIN THE CONVERSATION: If you have a question or a topic you want us to address, send us an email here. You can also connect to us through Twitter, Facebook, and Instagram. Tag #thebittersweetlife with your expat story for a chance to be featured! NEW TO THE SHOW? Don't be afraid to start with Episode 1: OUTSET BOOK: Want to read Tiffany's book, Midnight in the Piazza? Learn more here or order on Amazon. TOUR ROME: If you're traveling to Rome, don't miss the chance to tour the city with Tiffany as your guide!

In today's episode, the TMI crew begins discussion by talking more about Michigan's new general manager in Dave Peloquin along with a new hire in former USC director of recruiting strategy Skyler Phan. Next up is talk on a handful of important spring visitors that have been set in four-star ATH/WR Charles Davis, LB Ethan Hauser, LB Brayden Watson and RB Jayshon Gibson. This episode concludes with an extended discussion on Michigan's Big Ten finale against Michigan State on Sunday and how loaded the visitors' list is expected to be. Top targets like King Gibson and Devin Cleveland are among those expected in attendance. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

TWS News 1: Odd Work Excuses – 00:26 Questions for God – 3:18 TWS News 2: War Update – 10:23 Group Therapy – 14:12 Email – 17:55 TMI – 20:39 Snap Judgment – 24:14 Rock Report: Nicole the Medical Examiner – 31:28 Unprofessionalism – 33:20 Flashback Friday Promo – 37:48 Good News Giddy Up – 39:43 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.

Australia’s most profitable partnership is over. Kyle and Jackie O, commercial radio’s ratings juggernaut for 25 years now, have officially imploded, apparently over an on-air clash about… astrology. Plus, Jim Carrey is in Paris looking different and people are convinced he’s been replaced by a sophisticated clone. Which is interesting, because when female movie stars ‘look different’, we just call them sad. And, if you’ve ever been called "too much," a Harvard psychologist wants you to know that oversharing is actually your secret career superpower. Apparently, telling your colleagues about your therapy appointments or your colonoscopy makes you 85% more likable. So, when is "painful transparency" a shortcut to intimacy, and when is it a very awkward HR meeting? As the conflict in Iran widens, why are we seeing headlines about influencers stranded in Dubai? Among the many people stranded in the “Influencer Capital of the World”, content creators are finding themselves citizen journalists in a territory targeted by missiles. SUBSCRIBE here: Support independent women's media What To Listen To Next: Listen to our latest episode: Love Story Part 2: Jackie O, The Kennedys & That Fight Scene Listen to Jackie O on No Filter: Mia Interviews Jackie O About The Addiction That Almost Ended Her Listen: Uninvited Princesses & The Dating Story We're Yearning For Listen: The Next Top Model Reckoning & Jessie's Very Honest Handover Listen: Oh Sh*t. We Let Creeps Decide Our Beauty Standards Listen: "I'm A Working Mum & I Just Want To Quit" Listen: Prince William Has Entered The Chat Listen: The New Dating Rule That Blew Up A Comments Section Connect your subscription to Apple Podcasts Discover more Mamamia Podcasts here including the very latest episode of Parenting Out Loud, the parenting podcast for people who don't listen to... parenting podcasts. SUBSCRIBE here: Support independent women's media Watch Australia's #1 podcast, Mamamia Out Loud: Mamamia Out Loud on YouTube What to read: Jackie O just quit her KIIS radio show with Kyle Sandilands. Here's what we know. 'What did I do?' One story Jackie O didn't include in her book. Maggie Gyllenhaal, Jim Carrey, and the ageing conversation we're too afraid to have. A 5-minute explainer on what's happening in Iran. The cutest homewares to shop for your hosting era. THE END BITS: Check out our merch at MamamiaOutLoud.com GET IN TOUCH: Feedback? We’re listening. Send us an email at outloud@mamamia.com.au Share your story, feedback, or dilemma! Send us a voice message. Join our Facebook group Mamamia Outlouders to talk about the show. Follow us on Instagram @mamamiaoutloud and on Tiktok @mamamiaoutloudBecome a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

"Live free and grind." Welcome to the first 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'll be covering a wide range of topics including personal running and coaching, shoes and gear, the business of running, and "no such thing as TMI." The goal is to offer both straightforward and nuanced answers to the questions you've been hesitant to ask or that you still don't quite understand. First up in this series: all about professional running, with former professional runners and current hosts of the Off the Rails podcast, Aisha Praught Leer and Eric Jenkins. Aisha and Eric offer unique perspectives. They both ran professionally for big brands (Nike, Under Armour, Puma), and have since retired while staying active in the sport. They have the inside scoop, but aren't bound by NDAs or brand loyalties. They are unfiltered, honest, and always willing to go there. FOLLOW AISHA @aishapraughtleer FOLLOW ERIC @_ericjenkins SPONSOR:  Shokz: Use code ALI for $10 off your next headphone purchase. IN THIS EPISODE: Everything you need to know about pacers (5:45) On the track: from pre-meet and logistics to what it actually means when people say a track is "fast" (23:00) In the marathon: medals, separate starts, and more (48:30) Money talks, and the business of professional running (54:45) On doping, drama, chafing, waxing, and more (1:19:30) 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!

Sam Webb, Josh Newkirk, and Alejandro Zuniga live from Champaign-Urbana, provided analysis of Michigan's 84-70 win over No. 10 Illinois at State Farm Arena, securing the Wolverines' first outright Big Ten title since 2014. The TMI crew highlighted key performances, including Morez Johnson's double-double in his return to Illinois. They also praised Yaxel Lendeborg for his strong two-way play and defensive impact. The discussion covered Aday Mara's dominant second half, Trey McKenney's timely three-pointers, and Elliot Cadeu's floor-generalship. Michigan's defensive efforts limited Keaton Wagler and David Mirkovic, while the team controlled the boards. Michigan, the top seed for the upcoming Big Ten Tournament, likely locked up its No. 1 seed in the NCAA Tournament with the win over the Illini. The episode concluded with a discussion on the importance of extending Dusty May's contract to deter NBA interest. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Harvard Business School professor Leslie John joins AJ and Johnny to unpack why we systematically get vulnerability wrong. We obsess over the risks of sharing and ignore the cost of staying silent. From dating profiles and first impressions to leadership, feedback, and negotiation, Leslie explains how to decide what to reveal, when to reveal it, and how to frame it so it builds trust instead of regret. If you've ever worried about TMI — or held back and felt distance grow — this episode gives you a smarter way to think about disclosure. Chapters 00:00 – Why we misjudge vulnerability08:00 – Emotional vocabulary and instant connection18:00 – The cost of silence vs. the risk of sharing28:00 – Dating profiles and the “less is more” trap40:00 – Leadership vulnerability without losing authority52:00 – A simple 2x2 framework for disclosure decisions A Word From Our Sponsors Stop being over looked and unlock your X-Factor today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠unlockyourxfactor.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  The very qualities that make you exceptional in your field are working against you socially.  Visit the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠artofcharm.com/intel ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠for a social intelligence assessment and discover exactly what's holding you back. If you've put off organizing your finances, Monarch is for you. Use code CHARM at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠monarch.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in your browser for half off your first year.  Indulge in affordable luxury with Quince. Upgrade your wardrobe today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quince.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping and hassle-free returns. Grow your way - with Headway! Get started at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠makeheadway.com/CHARM ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠and use my code CHARM for 25% off. This year, skip breaking a sweat AND breaking the bank. Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠mintmobile.com/charm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Curious about your influence level?  Get your Influence Index Score today! Take this 60-second quiz to find out how your influence stacks up against top performers at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠theartofcharm.com/influence⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Episode resources: LeslieKJohn.com Check in with AJ and Johnny! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AJ on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Johnny on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AJ on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Johnny on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Art of Charm on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Art of Charm on YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Art of Charm on TikTok⁠⁠⁠⁠⁠⁠⁠⁠ vulnerability, disclosure, emotional intelligence, communication skills, leadership trust, dating psychology, social connection, feedback conversations, negotiation skills, emotional vocabulary, decision making, relationship building, psychological safety, transparency vs vulnerability Learn more about your ad choices. Visit megaphone.fm/adchoices

TWS News 1: Ilia Malinin’s Stumble – 00:26 Your Pet’s Favorite – 4:16 TWS News 2: Continued Learning – 10:12 Lesser-Known Bible Characters to Talk To – 12:33 TMI – 21:38 Getting Past Infidelity – 24:02 Prayer Wall – 31:13 Rock Report: Hannahversary – 33:33 5 Word Dating Advice – 36:03 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.

First, Tamra and Dolores are answering fan questions! Dolores is giving us a sneak peek into The Real Housewives of Rhode Island… What can we expect from this cast? Will it exceed our expectations?! Plus, this week’s Southern Charm episode featured Salley’s latest obsession and some TMI moments we wish we could unhear. Who’s the ONLY fish in that pond she should be going after?!See omnystudio.com/listener for privacy information.

Last week, we talked with psychologist Leslie John about the costs of keeping secrets. Today, Leslie returns with a look at the psychological power of self-disclosure. She says the moments of oversharing that we often consider "TMI" can actually strengthen our relationships. Then, in the second half of the show, listeners share their thoughts and questions about the expectations we put on modern marriages. Psychologist Eli Finkel returns for the latest installment of our series "Your Questions Answered." Our next stops on Hidden Brain's live tour are just weeks away! Join Shankar for an evening of science and storytelling in Philadelphia on March 21 or New York City on March 25. He'll be sharing seven key psychological insights from his first decade hosting the show. And stayed tuned for more tour stops to be announced later this spring!If you missed our original conversation with Eli Finkel, you can find it here. And here's where you can check out his podcast, "Love Factually."Episode illustration by Bekeen Co. for Unsplash+ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

TWS News 1: Everyday Etiquette – 00:26 Commuter Stories – 3:29 Chase Challenge Promo – 7:47 TWS News 2: McNugget Caviar – 11:53 The Music That Is Who You Are – 14:44 TMI – 21:02 Great Googly Moogly Game – 24:53 The Scoop: Lying – 30:31 Rock Report: Rockabye Baby – 32:46 Fasting – 35:29 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.

This week on Page 7, Jackie and MJ are joined by Mike Lawrence to goss' 'bout those Oscar noms, including "Hamnet" "Sentimental Value", plus somehow "F1" and a rundown of past Oscar moments, as well as some talk about how they are changing the ceremonies (for the worse). Kirsten Dunst shared a video saying her husband, Jesse Plemons, should gotten a nom since Tim Tim did, and then we got THE LIST full of extremely TMI admissions from famous people that will make you question if they are oookkkaaayyyy!!! Followed by blindz that let Mike know he WOULD like a cuckin', and a throwback to those childhood UTIs with a soapy Jackie's Snackie's from 1:07:27.553 til 1:18:22.489, with ANOTHER chip that's not a chip in a never-ending quest AND A BRANDSPANKIN'NEW THEME SONG during MJ's Minute Munchies at 1:14:39.306!Want even more Page 7? Support us on Patreon! Patreon.com/Page7Podcast Subscribe to SiriusXM Podcasts+ to listen to new episodes of Page 7 ad-free.Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.