Podcasts about toolkit

David McKnight discusses the three assets he believes you really need for a stable, predictable tax-efficient retirement.  Getting them right will dramatically reduce the risks that derail most retirements: Market risks, sequence of returns risks, longevity risks, tax risks, and long-term care risks. Stock market investments, with a 70% total US stock market index and a 30% total international stock market index, are the first thing David recommends. He defines them as "Your growth engine, the one that pays for your discretionary expenses in retirement."  David goes over aspirational and shock expenses. A Fixed Index Annuity (or FIA) is the second asset you'll need in retirement. A FIA is the one asset that eliminates the longevity risk, the risk of living so long that you deplete all your other assets.  Then there's Index Universal Life Policy (or IUL). A recent Ernst & Young study found that retirement plans that included IULs, as well as FIAs, provided more income in retirement, a higher likelihood of money lasting through life expectancy, and more money to heirs over the investment-only approach to retirement." Remember: If you withdraw money from your stock portfolio in a down market, you lock in losses and your portfolio has a much harder time recovering.  In other words, the IUL acts as your retirement shock absorber. Did you know that, because of its safe and productive growth, the IUL can serve as what we call a "volatility buffer" in retirement?  And there's more! In fact, an IUL can also serve as a bond alternative during the accumulation years – but without the interest rate risk or bond price volatility. David sees IULs as the most dynamic asset of them all – it's your volatility buffer, your bond alternative, and your long-term care safety net.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Ken Fisher Ernst & Young

In this episode of MoneyDonuts, we're doing a deep dive into Royal's self-service toolkit and sharingpractical ways to build financial confidence at any age and stage of life. Thehosts explore Royal's helpful resources like financial calculators, EnrichOnline Learning, the Debbie rewards app, and the Silvur retirement platform tohelp you set goals, stay motivated, and keep moving forward one step at a time.Enrich: https://www.rcu.org/education-resources/financial-education/self-service-tools/enrichDebbie: https://www.rcu.org/education-resources/financial-education/self-service-tools/get-cash-rewards-with-debbieRetirement Simplified: https://www.rcu.org/education-resources/financial-education/self-service-tools/retirement-simplified-powered-by-silvur

In Episode 340 You Will Discover: How ADHD low energy is biological, not a discipline problem Ways to identify which low-energy phase you're in right now Simple, compassionate tools that match your actual capacity Work With Me:

Text your thoughts and questions!In honor of a huge milestone —10 years of the business behind the podcast—I am reflecting on the last 10 years and the conversations I've had with clients, listeners, and my fellow multi-passionate entrepreneurs. So today in episode 299 of the Positively LivingⓇ Podcast, instead of focusing on one topic, I'm celebrating by sharing 10 lessons of positive productivity that I've learned over the last decade. In this episode of the Positively LivingⓇ Podcast, I'm focusing on 10 lessons that connect to the same theme: productivity isn't a one-size-fits-all approach. You must find what works for you and honor that.  The 10 lessons I cover in this episode include: Productivity is personal, not universal. Fluctuating energy is normal. Plan for it. Good enough beats perfect. Decluttering is a whole-life practice.Rest is not a reward; it's a requirement. Joy fuels productivity. Shame is the worst motivator. Systems don't need to be complicated. Let the season you're in guide your choices. Start where you are, grow as you go. I want to celebrate with you! Find me on social media and message me, sharing what you're celebrating today—big or small—and if this episode resonated with you, please leave a review on Apple Podcasts or a rating on Spotify to help others join this important conversation. Thank you for listening! If you enjoyed this episode, take a screenshot of the episode to post in your stories and tag me!  And don't forget to follow, rate, and review the podcast and tell me your key takeaways!Learn more about Positively LivingⓇ and Lisa at https://positivelyproductive.com/podcast/Stop trying to fit into someone else's productivity rules! Grab my free Productivity Toolkit, a collection of workbooks designed to help you explore how you work, uncover what truly matters to you, and create your very own energy-friendly systems. Get it here: www.positivelyproductive.com/plpkitCONNECT WITH LISA ZAWROTNY:FacebookInstagramResourcesWork with Lisa! LINKS MENTIONED IN THIS EPISODE:(Find links to books/gear on the Positively Productive Resources Page.)Dance Song Playlist V1, V2, V3Music by Ian and Jeff ZawrotnyStart your own podcast with Buzzsprout!Request this Toolkit and other free resources at the Resources Page.

In celebration of Black History Month and Heart Health Month, we're re-airing our powerful conversation with Dr. Gabrielle Williams, founder of Gateway Direct Health in Georgia. Dr. Williams shares her inspiring journey from severe burnout in fee-for-service medicine where she dreaded waking up each morning to discovering Direct Primary Care as her "second chance into medicine." As the first person in her family to attend college, she went on to become a board-certified family physician who now practices medicine on her own terms. In this episode, Dr. Williams candidly discusses the personal and spiritual growth required in that crucial first year of entrepreneurship, the importance of healing from healthcare trauma, and why her patients, even those with insurance, choose her practice for the irreplaceable value of time, trust, and a genuine doctor-patient relationship. Her story embodies the resilience and possibility that emerges when physicians of color build sustainable, community-rooted practices, and serves as both inspiration and practical guidance for anyone considering the DPC path.Learn how Zion HealthShare can pair with DPC to protect patients and physicians without returning to traditional insurance. Read more in the Toolkit, our DPC magazine, today.  If hiring feels like one of the most intimidating parts of growing your DPC practice, read the Winter issue of The Toolkit, our DPC Magazine that includes an educational, step-by-step hiring guide from the Cooperative of American Physicians designed to replace guesswork with clarity. What do you want MORE of in your practice this year? Download the January worksheet HERE for free today!Support the showGET your FREE MONTHLY BUSINESS TOOL DOWNLOAD Become A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

You should download my free TOOLKIT for new record labels... http://otherrecordlabels.com/toolkit   Thanks to LANDR for sponsoring this episode. landr.com/otherrecordlabels Starting a record label is exciting—but sticking with it is where the real work begins. In Episode 8 of How to Start a Record Label This Year, Scott focuses on one of the most important (and underrated) qualities of successful labels: consistency. Not hustle. Not volume. Not chasing trends—but showing up in a sustainable, repeatable way over time. This episode explores: Why consistency matters more than frequency Choosing a release cadence you can actually maintain The difference between full-length releases, singles, and supplemental content How the pipeline supports consistency and prevents burnout Why a label's greatest asset is its catalog, not any single release How labels act as a bridge between artists and music fans Scott reframes the role of a record label as a long-term conduit—balancing the infinite appetite of music fans with the creative rhythms of artists—and explains how thoughtful consistency builds trust, momentum, and sustainability for everyone involved.  

How are your “artful interruption” skills? This is a challenging yet essential skill for countering advice-giving patterns when facilitating coaching circles, peer learning groups, or team meetings. Inspired by a former student's question about redirecting well-intentioned advice-givers without disrupting group dynamics, Meg provides practical strategies for facilitators who want to cultivate curiosity over knowing in group settings. By introducing the “two muscle framework,” along with specific techniques, visual cues, and verbal redirects, Meg demonstrates how to protect the coaching space and help people discover their own solutions. Learn how you can help safeguard space for learning and discovery! Join us to learn more!Show Highlights:The challenge of incorporating polite, thoughtful interruptions into a coaching culture: Why is this an essential and highly relevant topic in today's coaching space?Understanding the two-muscle framework: the “knowing muscle” and the “curiosity muscle” (We short-circuit the creative process when we rush in with answers and advice)Advice-giving in groups is problematic in several specific ways. Setting the stage before the first session with non-negotiables:Pre-frame the purpose and agreements. Explain the “muscle” metaphor.Model what “good” looks like.Create psychological safety around interruption.Address the elephant in the room by naming what makes this challenging to do.The Facilitator's Toolkit, Six Specific Strategies for Interrupting Skillfully:The Appreciative Redirect (Acknowledge, redirect, and teach)The Pause and Pivot (Put your idea in the “parking lot” to give them time to think through and explore.)Visual Cues and Signals (These can be fun with card signals, the “muscle-flex” gesture, and a “parking lot” for ideas. Meg even has suggestions for using these with virtual meetings.)The Pattern Interrupt with Choice (Give agency while redirecting behavior.)Reflection Break (This is where the deepest learning happens.)The Question Upgrade (This is teaching in real-time.)Understanding when stepping in with advice and expertise is valuable (Use both/and thinking about coaching vs. advising.)A measuring stick question: “What creates more lasting impact, being told or discovering?”Practical tips for implementation:Start with shorter rounds.

David McKnight explores the five biggest retirement mistakes people make. When it comes to retirement "traps", the obvious things such as picking the wrong stock, missing the next bull market or retiring at the wrong time are what typically comes to mind… The first mistake people tend to make when it comes to their retirement is believing that tax diversification is good enough. "Having the bulk of your wealth in tax-deferred accounts is like going into a business partnership with the IRS: every year, they get to vote on what percentage of your profits they get to keep. Not a very good business partnership, if you ask me," says David. The next mistake is one of the most subtle and expensive mistakes retirees make: ignoring the standard deduction when doing Roth conversions. The third big retirement mistake people make is trying to time the market instead of timing the tax code. Remember: "Markets move up and down, but when a country is in a debt crisis, tax rates only move in one direction: Up!"  Are you using bonds as safe money in retirement? That's what the fourth retirement planning mistake David has encountered often in his busy work schedule.  David suggests to time the tax code, instead of timing the market… Replacing your bonds with annuities that have a guaranteed lifetime income feature is something you should consider. The fifth and final mistake to stay away from is not taking enough risk in retirement. David explains that your annuities can provide income in the year after a down year in your stock portfolio. That gives your stocks a chance to recover before you take further distributions. Don't forget, the stock portion of the portfolio has one job and one job only: Make sure your money lasts a full 30-year retirement.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Tom Hegna

Patient-Centered Weight Management | Dr. Robert Kushner on the Six-Factor Questionnaire, GLP-1s, and Lifestyle Counseling “Eat less, move more” might be the fastest way to lose your patient's trust, according my my guest Dr. Robert Kushner, a passionate doctor, educator, and researcher who has spent more than four decades improving care for people living with overweight and obesity.Dr. Kushner shares the framework from his new book, Patient-Centered Weight Management: The Six-Factor Professional Program and Toolkit, including his 27-item Six-Factor Questionnaire designed to quickly identify what's really driving a patient's struggles (food environment, time, mindset, movement, self-talk and more). You'll also hear how lifestyle counseling fits alongside today's anti-obesity medications, including GLP-1 receptor agonists.If you counsel patients on weight, obesity, nutrition, or behavior change, and you want a time-efficient system you can use in real clinic visits, you'll love this framework.Resources:Buy the book! Patient-Centered Weight ManagementConnect with Dr KushnerAny Questions? Send Me a MessageSupport the showConnect with Colleen:InstagramLinkedInSign up for my FREE Newsletter - Nutrition hot-topics delivered to your inbox each week. Disclaimer: This podcast is a collection of ideas, strategies, and opinions of the author(s). Its goal is to provide useful information on each of the topics shared within. It is not intended to provide medical, health, or professional consultation or to diagnosis-specific weight or feeding challenges. The author(s) advises the reader to always consult with appropriate health, medical, and professional consultants for support for individual children and family situations. The author(s) do not take responsibility for the personal or other risks, loss, or liability incurred as a direct or indirect consequence of the application or use of information provided. All opinions stated in this podcast are my own and do not reflect the opinions of my employer.

Rural electric co-op members should use this new toolkit to swap coal debt for clean, affordable energy.| Show page available: https://ilsr.org/article/energy-democracy/rural-electric-coop-toolkit-ler263/| Listen to all of our Local Energy Rules podcast episodes at our site: https://ilsr.org/energy/local-energy-rules-podcast/ | Don't forget to subscribe, share with your friends, leave a recommendation on our podcast feeds, and join the conversation […]

Join me and Megan Horton from Client Command as we break down their latest releases and how their automotive marketing platform delivers powerful solutions for dealers and agencies. Client Command helps accelerate vehicle sales, increase profits, and produce quality leads using data-driven marketing. Don't miss Client Command's exciting releases at NADA 2026!   #podcast #automotivesolutions #dataactivation #nada2026

We continue our year-end toolkit series with insights on key areas of the year-end accounting and reporting process. Today's episode focuses on the finance team's engagement with the audit committee, which faces a packed agenda and expanding oversight responsibilities. We explore how management can strengthen collaboration with those charged with governance, streamline reporting, and address emerging issues such as AI, enterprise risk management, and transformation initiatives.In this episode, we discuss:1:18 – Strengthening management/audit committee communication and collaboration10:10 – Key year-end issues finance teams should be prepared to address15:02 – Oversight of AI: risks, opportunities, and controls21:33 – Enhancing enterprise risk oversight27:35 – Navigating the evolving cyber risk landscape in the age of AI36:05 – Elevating proxy disclosuresFor more, watch the replay of our Year-end audit committee webcast and read our publication, Your year-end audit committee guide.In case you missed it, check out the previous episode in this year-end miniseries:Year-end toolkit: Accounting and reporting reminders for 2026Year-end toolkit: Materiality assessmentsYear-end toolkit: Cash flow classificationBe sure to follow this podcast on your favorite podcast app and subscribe to our weekly newsletter to stay in the loop.About our guestStephen Parker is a partner in PwC's Governance Insights Center, which strives to strengthen the connection between directors, executive teams, and investors by helping them navigate the evolving governance landscape. With more than 30 years of experience, Stephen has advised boards of directors on a variety of complex financial reporting matters. Stephen's client service experience includes energy and utility companies, financial services companies, and nonprofits.About our guest hostDiana Stoltzfus is a partner in PwC's National Office who helps to shape PwC's perspectives on regulatory matters, responses to rulemakings and policy development, and implementation related to significant new rules and regulations. Prior to rejoining PwC, Diana was the Deputy Chief Accountant in the Office of the Chief Accountant (OCA) at the SEC where she led the activities of the OCA's Professional Practices Group.Transcripts available upon request for individuals who may need a disability-related accommodation. Please send requests to us_podcast@pwc.comDid you enjoy this episode? Text us your thoughts and be sure to include the episode name.

You should download my free TOOLKIT for new record labels... http://otherrecordlabels.com/toolkit   Thanks to LANDR for sponsoring this episode. landr.com/otherrecordlabels   Contracts and royalties are where a lot of people get stuck—and for good reason. Record labels have a long history of bad deals, broken trust, and artists getting the short end of the stick. In Episode 7 of How to Start a Record Label This Year, Scott tackles this head-on and explains how modern independent labels can do things differently. This episode walks through the fundamentals of contracts and royalties from a practical, empathetic perspective—without legal jargon and without pretending there's a one-size-fits-all solution. In this episode, you'll learn: Why you do need contracts—and why they protect artists as much as labels When to involve a music attorney (and why templates and AI contracts fall short) Common contract terms artists actually care about (term length, exclusivity, territory) How licensing master recordings works for indie labels Why 50/50 profit sharing has become a modern standard How to structure fair splits while keeping the label sustainable The importance of having these conversations before any music is released Scott emphasizes that the most important part of any contract isn't the paperwork—it's the conversation. Clear expectations, honest communication, and transparency from day one are what turn contracts from something scary into something empowering.

With a new year comes new goals and new hopes and dreams. This season, Anne and Frances are introducing a new segment called Toolkit: a practical guide to ideas, tools, and frameworks that can help you reach your goals at work and beyond. In this episode, they tackle the important first step of setting those (ambitious) goals, and break down the tried-and-true Harada Method into a few easy steps. They take a closer look at Shohei Ohtani, a baseball player who put this method into wildly successful practice, and discuss how they set goals in their own lives and in their relationship.For the full text transcript, visit ted.com/podcasts/fixable-transcriptsLearn more about our flagship conference happening this April at attend.ted.com/podcast Hosted on Acast. See acast.com/privacy for more information.

If this episode is resonating with you, send us a message - we'd love to hear from you

If this episode is resonating with you, send us a message - we'd love to hear from you

Most physicians are trained to manage what's in front of them.What we're rarely taught is how to step far enough back to ask whether the direction itself still makes sense.In this January Reset re-air, I'm bringing back my conversation with Dr. Neal Douglas, a family medicine physician at Heritage Family Medicine in Hood River, Oregon.Dr. Douglas shares openly about building a successful career that slowly drifted out of alignment with his life, his family, and his values. His story isn't about optimizing productivity — it's about reordering priorities and designing a practice that supports the life he wants to be present for.You'll hear how creating a clear priority list reshaped not just his work, but his sense of fulfillment and sustainability as a physician. This episode pairs especially well with the January worksheet reflections on career direction, energy, and long-term alignment.If you've been asking yourself whether your current path still fits, this conversation offers perspective without pressure.January Reset Invitation Download the free January worksheet, Is DPC Right for You?, and use it to name where you are on the ladder — burnout, curiosity, relief, or alignment.Get the FREE workbook to go along with our January RESET series HERE. Learn how Zion HealthShare can pair with DPC to protect patients and physicians without returning to traditional insurance. Read more in the Toolkit, our DPC magazine, today.  If hiring feels like one of the most intimidating parts of growing your DPC practice, read the Winter issue of The Toolkit, our DPC Magazine that includes an educational, step-by-step hiring guide from the Cooperative of American Physicians designed to replace guesswork with clarity. What do you want MORE of in your practice this year? Download the January worksheet HERE for free today! Leave Maryal a voicemail @ https://mydpcstory.com/contactSupport the showGET your FREE MONTHLY BUSINESS TOOL DOWNLOAD Become A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

You should download my free TOOLKIT for new record labels... http://otherrecordlabels.com/toolkit   Thanks to LANDR for sponsoring this episode. landr.com/otherrecordlabels   People love to say there's no money in the music industry. And honestly? It can feel that way—especially when you're just getting started. In Episode 6 of How to Start a Record Label This Year, Scott tackles this myth head-on and shares what he's seen firsthand after nearly a decade of working with independent labels across every genre imaginable. Not major labels. Not household names. Real, niche, often obscure labels that are quietly building sustainable, profitable businesses. This episode breaks down: Why some indie labels are thriving while others stay stuck The difference between struggling revenue streams and sustainable ones Traditional label income (streaming, physical sales, sync, merch) Why the healthiest labels rely on multiple revenue streams How predictable income and release cycles balance each other The power of creating one unique revenue stream no one else has Scott explains why diversification—not chasing trends—is what keeps labels alive long-term, and why many of the most inspiring labels succeed by combining music with something bigger: studios, stores, education, events, or entirely new ideas that only they could create.  

A quick overview of the Cfree Warrior Toolkit and the ten modules designed to support you along your journey. All the links, tools & resources I personally share:https://linktr.ee/cfreecancerfree

The focus of this episode is on what Dave Ramsey refers to as the only three investments he owns. "I have three investments: my business, paid-for real estate with no mortgages, and mutual funds," says Ramsey.  He goes on to emphasize that he doesn't play single stock, doesn't screw around with gold or Bitcoin, and that he doesn't need your stock tip from your "broke golfing buddy with an opinion." Host David McKnight wonders whether Ramsey's investment model actually works in principle, and if parts of it can be replicated by everyday investors… Ramsey's business functions in two powerful ways: it provides current cash flow so he doesn't have to draw down investments, and it represents a large future liquidity event – this alone dramatically reduces the pressure on the rest of his portfolio. David highlights the fact that Ramsey doesn't pick individual stocks. Instead, he spreads his money across the entire global stock market using mutual funds. Ramsey famously advocates an even split: 25% in growth and income funds, 25% in aggressive growth funds, and 25% in international funds. David's recommendation is to "Invest 70% in a total U.S. stock market index, 30% in a total international stock market index, and 0% in bonds."  By doing that, you'll own the entire market instead of trying to outsmart it. It is possible to adopt a 100% stock portfolio even if you don't own a business or don't have a paid off real estate throwing off residual income – David explains how. You could have a guaranteed lifetime income annuity have the same role played by real estate in Dave Ramsey's approach.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Dave Ramsey

We continue our year-end toolkit series sharing insights on key areas of the year-end accounting and reporting process. In this episode, we focus on the statement of cash flows—an area that remains critical to investors and continues to get focus from regulators. We discuss recent SEC comment letter observations, practical considerations for complex transactions such as debt restructurings, payment processing arrangements, and business combinations; we also highlight reminders and best practices to help companies navigate year-end reporting.In this episode, we discuss:1:05 – Overview of the statement of cash flows and key reminders3:46 – SEC comment letter themes7:52 – Debt restructurings15:21 – Payment processing arrangements20:27 – Business combinations32:56 – FASB project on targeted improvements to the statement of cash flowsFor more on the statement of cash flows, see Chapter 6 of our Financial statement presentation guide.Be sure to follow this podcast on your favorite podcast app and subscribe to our weekly newsletter to stay in the loop. About our guestsSuzanne Stephani is a director in PwC's National Office specializing in the statement of cash flows as well as the application and interpretation of the accounting guidance related to financing, leasing, and foreign currency transactions.Christopher Gerdau is a partner in PwC's National Office specializing in accounting for financial instruments and banking-related topics. Chris also conducts technical reviews of SEC filings and provides technical support to PwC's practice offices. Chris's client service expertise includes the banking, capital markets, and insurance industries.About our guest hostDiana Stoltzfus is a partner in the National Office who helps to shape PwC's perspectives on regulatory matters, responses to rulemakings and policy development, and implementation related to significant new rules and regulations. Prior to rejoining PwC, Diana was the Deputy Chief Accountant in the Office of the Chief Accountant (OCA) at the SEC where she led the activities of the OCA's Professional Practices Group.Transcripts available upon request for individuals who may need a disability-related accommodation. Please send requests to us_podcast@pwc.com Did you enjoy this episode? Text us your thoughts and be sure to include the episode name.

You should download my free TOOLKIT for new record labels... http://otherrecordlabels.com/toolkit   Thanks to LANDR for sponsoring this episode. landr.com/otherrecordlabels   In Episode 5 of How to Start a Record Label This Year, Scott walks through what actually happens when you're ready to release music—and how to do it in a way that gives your record the best possible chance to succeed. From choosing the right release date to working backward months in advance, this episode breaks down the practical realities of releasing music today, especially if you're dealing with physical formats, digital distribution, and limited time and resources. In this episode, you'll learn: How to choose a release date that serves the music (not just the calendar) Why working backward from release day is essential—especially for vinyl and physical formats What assets you need before release day (artwork, photos, videos, press materials, instrumentals) How pre-release singles, preorders, and promotion fit into a release timeline Why release day is not the finish line—and how to think about the long tail of your music

Not all misalignment shows up as exhaustion.Sometimes medicine works - the protocols are correct, the outcomes are acceptable - and yet something essential feels missing.In this January Reset re-air, I'm revisiting my conversation with Dr. Meena Julapalli, a pediatric dermatologist whose work spans direct care, creativity, and healing.Dr. Julapalli speaks honestly about practicing inside systems that prioritize efficiency and algorithms, and what gets lost when time, presence, and relationship are squeezed out of care. Her story isn't about leaving medicine - it's about reclaiming it.You'll hear how creating space for meaning and connection changed the way she experiences her work, her patients, and herself as a physician. This conversation aligns deeply with the January Reset reflections around energy, sustainability, and patient relationships.If you've ever felt that your current version of medicine is technically sound but emotionally incomplete, this episode may land close to home.January Reset Invitation Use this episode alongside the free January worksheet, Is DPC Right for You? After listening, answer one question: Where do I want more presence or meaning in my work this year?Get the FREE workbook to go along with our January RESET series HERE. Learn how Zion HealthShare can pair with DPC to protect patients and physicians without returning to traditional insurance. Read more in the Toolkit, our DPC magazine, today.  If hiring feels like one of the most intimidating parts of growing your DPC practice, read the Winter issue of The Toolkit, our DPC Magazine that includes an educational, step-by-step hiring guide from the Cooperative of American Physicians designed to replace guesswork with clarity. What do you want MORE of in your practice this year? Download the January worksheet HERE for free today! Leave Maryal a voicemail @ https://mydpcstory.com/contactSupport the showGET your FREE MONTHLY BUSINESS TOOL DOWNLOAD Become A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

A programme developed by researchers at University College Cork has found that educating individuals about the harms of AI identity manipulation can help to stop this problem at source. Rachael spoke to John Twomey, the lead researcher behind the toolkit from UCC's school of Applied Psychology.

It's the ‘Do you have five minutes?' message from your boss. The ‘We need to chat' from a loved one. Those spiralling thoughts at 3 a.m. and the buzz of yet another breaking news alert. The potential coming waves of AI, climate change and unstable governments. For most of us, uncertainty is paralyzing, but isn't going anywhere. The world – and our lives – will continue to change, at great pace and in unexpected ways. In this episode of the podcast, join author of the international bestseller and ‘modern life-bible' Be More Pirate, Sam Conniff, and neuroscience consultant Katherine Templar-Lewis for a pioneering, evidence-based guide to  transforming uncertainty into growth and opportunity. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Director Park joins the Filmmaker's Toolkit to explore his twisted and prescient satire "No Other Choice." Hear how the story was originally set in America before being adapted to a Korean perspective, and why the bravura editing and camera work are essential to the film's impact. To hear Director Park's complete answers in Korean, jump to 19:29. Subscribe to Top Of The Line - IndieWire's new newsletter about the craft of film and TV - https://cloud.email.indiewire.com/signup/ Listen to the Screen Talk Podcast. Every Friday IndieWire editors Anne Thompson & Ryan Lattanzio break down insider news from Hollywood and debate the latest films and series. https://podcasts.apple.com/us/podcast/indiewire-screen-talk/id893977298 Learn more about your ad choices. Visit megaphone.fm/adchoices

David McKnight addresses a myth floating around the financial world: "For a Roth conversion to make sense, you need many years for the Roth to grow so you can recoup the taxes you paid to the conversion." David stresses why this way of thinking is fundamentally wrong – it's built on the wrong assumption that all the money in your IRA belongs to you… when it actually doesn't. Remember: your IRA isn't one pile of money but two piles sitting in the same account. One pile belongs to you, while the other to the IRS. What's unknown is how big the IRS' pile is going to be when you eventually take the money out of the account. David goes on to explain what happens as both piles grow and required minimum distributions kick in. You may end up with the IRS' pile being not just larger but taxed at a much higher rate too. With a Roth conversion, on the other hand, your conversion translates into you carving out the IRS' portion and handing it to them today – settling the bill while the balance is smaller and the rate may be lower. There's a key question David invites you to keep in mind when it comes to Roth conversions: "Is your tax rate lower today than it will be when you take the money out?"  The exploding national debt of over $200 trillion dollars in unfunded obligations for Social Security, Medicare, and Medicaid are going to require spending cuts, higher taxes, or some combination of the two. Beware: the problem with most retirement plans is that they assume that tax rates will stay low forever!  David points out that Roth conversions aren't about timing the market but about timing the tax code. In other words, they're about timing the advantage of known measurable tax rates today instead of gambling on unknown ones tomorrow.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

In this episode, we share key insights and reminders on navigating materiality judgments. We revisit the fundamentals of SAB 99, explore how to apply both quantitative and qualitative considerations, address identified errors, and more.In this episode, we discuss:3:53 – The framework for assessing materiality and errors in financial statements8:51 – Addressing identified errors15:01 – Reassessing materiality amid economic and other changes19:48 – Trends in reporting errors, including cash flow statement impacts23:09 – Fraud and illegal actsIn case you missed it, check out the previous episode in this year-end miniseries, Year-end toolkit: Accounting and reporting reminders for 2026.Be sure to follow this podcast on your favorite podcast app and subscribe to our weekly newsletter to stay in the loop.About our guestMichael Mullen is PwC's US Assurance Quality Management leader. In this role, he oversees complex client issues, providing technical insights and expertise in support of overall quality. With over 35 years of client service experience, Michael has led numerous global client engagements.About our guest hostDiana Stoltzfus is a partner in the National Office who helps to shape PwC's perspectives on regulatory matters, responses to rulemakings and policy development, and implementation related to significant new rules and regulations. Prior to rejoining PwC, Diana was the Deputy Chief Accountant in the Office of the Chief Accountant (OCA) at the SEC where she led the activities of the OCA's Professional Practices Group.Transcripts available upon request for individuals who may need a disability-related accommodation. Please send requests to us_podcast@pwc.comDid you enjoy this episode? Text us your thoughts and be sure to include the episode name.

At the start of a new year, many physicians don't feel burned out, they feel unsettled.In this January Reset re-air, I'm bringing back my conversation with Dr. Cindy Dafashy, a family medicine physician who opened her direct primary care practice directly out of residency.This episode isn't about how quickly she launched or whether her path should be copied. It's about the distinction she names so clearly between being clinically prepared and actually feeling ready.Dr. Dafashy reflects on learning medicine inside a culture designed primarily for physicians, then realizing that patients don't live inside that world at all. She shares how shifting away from medical language and toward patient-centered communication changed not just her practice, but her sense of alignment as a physician.You'll also hear her talk about boundaries and how she set expectations early, how she framed access without over-promising, and how she protected her energy before burnout ever took hold.This episode pairs closely with the free January reflection worksheet, Is DPC Right for You?, especially if you're navigating early-career uncertainty or wondering whether something that looks “right” on paper actually feels sustainable.As you listen, notice what resonates and what creates tension. Those reactions are the point.January Reset Invitation Download the free January worksheet, Is DPC Right for You?, and answer just one prompt after this episode. One sentence is enough.Get the FREE workbook to go along with our January RESET series HERE. Learn how Zion HealthShare can pair with DPC to protect patients and physicians without returning to traditional insurance. Read more in the Toolkit, our DPC magazine, today.  If hiring feels like one of the most intimidating parts of growing your DPC practice, read the Winter issue of The Toolkit, our DPC Magazine that includes an educational, step-by-step hiring guide from the Cooperative of American Physicians designed to replace guesswork with clarity. What do you want MORE of in your practice this year? Download the January worksheet HERE for free today! Leave Maryal a voicemail @ https://mydpcstory.com/contactSupport the showGET your FREE MONTHLY BUSINESS TOOL DOWNLOAD Become A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

Welcome to my podcast. I am Doctor Warrick Bishop, and I want to help you to live as well as possible for as long as possible. I'm a practising cardiologist, best-selling author, keynote speaker, and the creator of The Healthy Heart Network. I have over 20 years as a specialist cardiologist and a private practice of over 10,000 patients. In this episode, Dr. Warrick Bishop discusses anti-aging medicine with Dr. Khan Wren, covering hormone replacement therapy, IV vitamins, minerals and NAD plus therapy, various peptides for different health outcomes, PRP and young plasma exchange for regenerative therapy, and sexual optimization treatments like the P-shot and O-shot. Discussions delve into the benefits of these therapies, their mechanisms, and the importance of addressing overall health and lifestyle factors in tandem. Dr. Khanh shares examples of patient success stories and emphasizes the holistic approach to optimizing health and vitality.

#228. Welcome to the 2026 toolkit—a curated collection of what's working, what's worth it, and what creates the infrastructure for an intentional life. This isn't about perfection or having it all figured out; it's about the specific tools, rituals, and systems that help you show up as a better version of yourself. Your good life starts with what you choose to let in. FOLLOW PAYTON:https://instagram.com/paytonsartain https://www.tiktok.com/@paytonsartain https://youtube.com/c/paytonsartainhhSUBMIT TO NOTE TO SELF:→ Ask P: Advice Column: https://forms.gle/avvSu4ibYygZP5rq8 Sponsors:Rula: Visit Rula.com/notetoself to get startedR.W Knudsen: With R.W.Knudsen, krush 100% of your day—morning, afternoon, evening and all the moments in between—with 100% juice and no added sugar. Pick up a bottle at your local grocery store todaySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This episode explores key accounting and reporting considerations for year-end financial reporting. Technical leaders from our National Office share reminders and timely insights across a range of topics, including tariffs, income taxes, held-for-sale accounting, and other emerging issues–topics that are relevant for all finance teams, even if it's not year-end close time.In this episode, we discuss:1:52 – AI mega-deal structuring and related accounting and reporting complexities11:30 – Equity method accounting considerations and related disclosures15:58 – Tariffs and trade considerations, including inventory impacts21:38 – Crypto asset accounting models and new FASB guidance25:16 – Accounting and reporting for private credit transactions33:00 – Tax reform developments and income tax accounting40:00 – New ASUs related to derivatives and hedge accounting42:52 – Held-for-sale accounting46:00 – OECD Pillar 2 and global taxFollow this podcast on your favorite podcast app and subscribe to our weekly newsletter to stay in the loop.About our guestsBret Dooley is a PwC National Office Deputy Chief Accountant who leads teams focused on the financial services sectors and accounting for financial instruments. He has over 25 years of experience in the financial services, banking, and capital markets industries. Bret focuses on emerging financial reporting issues related to financial instruments, developing interpretive guidance, and assisting clients in resolving complex accounting matters.Pat Durbin is a PwC National Office Deputy Chief Accountant. He has over 30 years of experience consulting with our clients and engagement teams on complex accounting matters, including issues related to revenue, compensation, income taxes, and inventory under both US GAAP and IFRS.Beth Paul is a PwC National Office Deputy Chief Accountant responsible for a team of consultants that specialize in business combinations and related areas, such as consolidations, disposals, impairments, and segment reporting. She has over 30 years of experience consulting with clients and engagement teams on complex accounting matters.About our guest hostTom Barbieri is PwC's US Chief Accountant. He has over 30 years of experience advising large financial services and multinational corporations on complex accounting issues. Tom leads the Accounting & SEC Services Group within the National Office, which is focused on supporting our clients and engagement teams in navigating complex technical accounting and financial reporting matters. He is also a member of the Financial Accounting Standards Advisory Council.Transcripts available upon request for individuals who may need a disability-related accommodation. Please send requests to us_podcast@pwc.comDid you enjoy this episode? Text us your thoughts and be sure to include the episode name.

You should download my free TOOLKIT for new record labels... http://otherrecordlabels.com/toolkit   Thanks to LANDR for sponsoring this episode. landr.com/otherrecordlabels   Imposter syndrome is one of the biggest reasons people never start a record label. That quiet (or loud) voice asking: Who am I to do this? Why would anyone care about my taste, my curation, or my point of view? In this episode, Scott breaks down why imposter syndrome never really goes away—even for Grammy-winning label owners—and why that's actually good news. Instead of waiting to feel “qualified,” he reframes the conversation around what truly makes a record label valuable: your unique taste, your lived experience, and the specific combination of influences only you can bring to the table. You'll learn how to: Understand why imposter syndrome is normal at every level of the music industry Identify the unique ingredients that make your label different (genre, geography, format, values, and that all-important X-factor) Stop comparing yourself to existing labels and start owning your own curation If you've been stuck in analysis paralysis, feeling like an outsider, or waiting for permission to begin—this episode is your reminder that no one else can build the label you're meant to create. Because yes, we're all imposters. And that's exactly why your record label matters.   Branding Your Record Label (Why the Name Matters Less Than You Think) In Episode 2 of How to Start a Record Label This Year, Scott dives into branding—specifically how to name your label, define your identity, and build a brand that actually connects with the right audience. If you've been stuck obsessing over the perfect label name, this episode is your permission slip to move on. Scott breaks down why your name won't make or break your label, what does matter when choosing one, and how to avoid common mistakes that can slow you down before you even release music. This episode covers: Why most successful labels weren't built on clever names—but clear identity Practical rules for choosing a label name (logos, domains, searchability, and social handles) How niche, taste, and curation form the real foundation of your brand Using genre, geography, format, and values to “dog-whistle” to your audience Translating your niche into visual branding, design, and consistency Branding isn't just logos and colors—it's the sum of your taste, your mission, and the community you're building. When done right, someone should be able to spot one of your records from across the room and know it belongs to your label. This episode will help you stop overthinking, pick a name, define your niche, and start building a label identity that feels intentional, confident, and unmistakably yours.

This episode revolves around President Donald Trump's claim that, due to the massive tsunami of tariff revenue that's flowing into the U.S. coffers, Americans won't have to pay income tax in 2026. David McKnight looks at the 2025 fiscal year: the Federal Government spent about $7 trillion and brought in about $5 and a quarter trillion in revenue. While breaking down the math related to the 2025 fiscal year, David points out that "Revenue from income taxes is the single largest source of Federal revenue", while "Tariffs, by contrast, are one of the smallest." Even Trump's own economic team, including Treasury Secretary Scott Bessent, has said that in an extremely optimistic scenario, tariff revenue might someday reach $500 billion a year – which is only about ⅕ of what gets collected in income taxes. By looking at the numbers, it's clear that the proposed tariff-funded $2,000 check for each of the 340 million Americans wouldn't work: it would cost roughly $680 billion against a tariff revenue that only amounts to $195 billion… David clarifies a key point about tariffs. They're not paid by foreign governments, they're paid by U.S. importers. In other words, tariffs are simply a tax on consumers. There's an additional problem that shouldn't be overlooked. Not only do tariffs not generate enough revenue, but they can also lead to retaliation by other countries imposing their own tariffs on American exports. This means that an American effort to try to raise trillions of dollars through tariffs could end up costing heavily on its own people.  David is crystal clear: While these types of claims make for great sound bites, the federal budget still has to obey the mathematical laws of the universe, and the math makes it clear: There's no world in which tariffs could ever eliminate the need for an income tax. By the look of things, the U.S. is marching into a future where the federal government will soon need huge infusions of cash just to pay the interest on its exploding national debt. To forestall this, the U.S. government will have to double federal income taxes in or around 2035.  That's why, David says, having a dialed-in strategy to get your retirement savings shifted from 401(k)s and IRAs to Roths is more important than ever.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com President Donald Trump Treasury Secretary Scott Bessent  Wharton School of the University of Pennsylvania 

You should download my free TOOLKIT for new record labels... http://otherrecordlabels.com/toolkit   Thanks to LANDR for sponsoring this vid. landr.com/otherrecordlabels   Imposter syndrome is one of the biggest reasons people never start a record label. That quiet (or loud) voice asking: Who am I to do this? Why would anyone care about my taste, my curation, or my point of view? In this episode, Scott breaks down why imposter syndrome never really goes away—even for Grammy-winning label owners—and why that's actually good news. Instead of waiting to feel “qualified,” he reframes the conversation around what truly makes a record label valuable: your unique taste, your lived experience, and the specific combination of influences only you can bring to the table. You'll learn how to: Understand why imposter syndrome is normal at every level of the music industry Identify the unique ingredients that make your label different (genre, geography, format, values, and that all-important X-factor) Stop comparing yourself to existing labels and start owning your own curation If you've been stuck in analysis paralysis, feeling like an outsider, or waiting for permission to begin—this episode is your reminder that no one else can build the label you're meant to create. Because yes, we're all imposters. And that's exactly why your record label matters.

We're learning how to understand the language of the body and why listening to your nervous system is essential for building resilience.I'm joined by Nkem Ndefo, founder of Lumos Transforms and creator of The Resilience Toolkit  (a trauma-informed framework that weaves somatic awareness, compassion, and social justice into practical, accessible tools for healing). Nkem is a licensed nurse-midwife, somatic practitioner, and educator known for her trauma-informed approach to healing and resilience.Together, we explore how stress and trauma shape the way we move through the world, what happens when your nervous system becomes overloaded, and how to recognize when you're reaching your limits. We also talk through practical ways to come back into balance (especially in moments of chaos) by learning to work WITH your body instead of AGAINST it.✨ If you've been feeling overwhelmed, disconnected, or stuck in survival mode, this episode is for you - Nkem also gifts us with simple, practical tools from her Resilience Toolkit to support grounding & self-regulation.

Co-Writer, Director, and Producer Mona Fastvold joins the Toolkit for an in depth discussion of her incredible new period musical. We dig into the research which birthed the transfixing movements and sounds of the film, the challenges star Amanda Seyfried faced preparing for the role, and how Fastvold and partner Brady Corbet execute epic scale on indie budgets. Listen to the Screen Talk Podcast. Every Friday IndieWire editors Anne Thompson & Ryan Lattanzio break down insider news from Hollywood and debate the latest films and series. https://podcasts.apple.com/us/podcast/indiewire-screen-talk/id893977298 Learn more about your ad choices. Visit megaphone.fm/adchoices

Text your thoughts and questions!Are you already feeling the “New Year, New You” burnout before January is even over? The pressure to set massive resolutions, hit the ground running, and overhaul your entire life on January 1st is a recipe for overwhelm. If you're feeling more like you need a nap than a marathon, you're not alone, and you're not failing. This week on episode 295 of the Positively LivingⓇ Podcast, I'm introducing you to a gentler, sustainable approach so you can start the new year with less stress.In this episode of the Positively LivingⓇ Podcast, I'm ditching the concept of an arbitrary date on the calendar that dictates our fresh start and giving you actionable steps to take right now to reach your goals at a pace that actually respects your energy and capacity. I cover the following topics:Embrace the phrase, “start as you mean to go on,” or in other words, choose a starting speed that you can maintain. Take an intentional pause to reflect and move forward in the right direction. Conduct a self-assessment to understand your energy drains, capacity, and current needs.Consider broad intentions over rigid goals to support your overall well-being. Ready to build a year that actually fits your life? Download my free Productivity Toolkit at positivelyproductive.com/plpkit and follow along as we dive into these workbooks in the coming weeks!Thank you for listening! If you enjoyed this episode, take a screenshot of the episode to post in your stories and tag me!  And don't forget to follow, rate, and review the podcast and tell me your key takeaways!Learn more about Positively LivingⓇ and Lisa at https://positivelyproductive.com/podcast/Stop trying to fit into someone else's productivity rules! Grab my free Productivity Toolkit, a collection of workbooks designed to help you explore how you work, uncover what truly matters to you, and create your very own energy-friendly systems. Get it here: www.positivelyproductive.com/plpkitCONNECT WITH LISA ZAWROTNY:FacebookInstagramResourcesWork with Lisa! LINKS MENTIONED IN THIS EPISODE:(Find links to books/gear on the Positively Productive Resources Page.)Ep 291: How Slowing Down Makes You More ProductiveEp 293: Simple Filters to Help You Make DecisionsEp 239: How to Choose a Word of the YearDance Song Playlist V1, V2, V3Music by Ian and Jeff ZawrotnyStart your own podcast with Buzzsprout!Request this Toolkit and other free resources at the Resources Page.

Happy New Year & welcome to a brand new season of Off the Grid! Today we're kicking off this year-in-biz with our annual creative marketing toolkit  —  five episodes in five days to set you up for success in 2026!Press play to hear all about it, and tune in this week to learn:Our top 3 marketing strategies for 2026Need-to-know advice on SEO, AI & blogging in this era of the internetMy rules for email marketing + newsletters right nowHow to network better + host fun events (even if you're an introvert)& What trends will grab extra attention in the year ahead!You'll hear from amazing guests like Meg Casebolt, Arianna Smith, and Amanda Laird. It's basically a mini-of-the-moment-marketing-masterclass all for free on the pod feed this week! So please subscribe and share it with a friend xoRESOURCES + LINKS

This episode is a homecoming!!!As part of our January Reset Series, we're re-airing a powerful conversation with four physicians from three specialties who each share a one-year update on their Direct Primary Care journeys.In this episode, you'll hear from:• Dr. Christina Much and Dr. Jake Much (Family Medicine) founders of Defiant DPC who are sharing about growth beyond expectations and how they planned maternity leave without panic• Dr. Deepti Mundkur (Internal Medicine) will be reflecting on time, advocacy, mentorship, and designing a practice aligned with life• Dr. Lauren Hughes (Pediatrics & Lactation) will be discussing boundaries, parenting while practicing medicine, and building community-rooted careWhether you are in residency, early career, actively considering DPC, or already open and asking how do I protect my energy and build something sustainable, this episode is for you.These physicians aren't sharing finished stories - they're sharing living ones.And January is a reminder that it's okay to pause, reassess, and realign whether you're just beginning or years into practice.Take a breath.You're not behind.You're allowed to build something that lasts.What to Especially Listen For:• How growth sometimes comes faster than expected and how to respond without burning out• How maternity leave, parenting, and practice ownership can coexist• How advocacy becomes possible when time is no longer rationed• How workflows, boundaries, and systems continue to evolve after opening• How DPC allows doctors to practice medicine that matches their values and not just their training

Request A Customized Workshop For Your Company⁠: https://www.americannegotiationinstitute.com/services/workshops/ In this episode, Chelsea Elliott, MSW. Discusses what is emotional intelligence and how to apply EI in our lives. Buy Chelsea's Book ⁠Natalie the Monster Slayer⁠ https://www.amazon.com/-/es/Chelsea-Elliott-MSW/dp/1735918601/ref=sr_1_3?qid=1657795804&refinements=p_27%3A+MSW%5CcChelsea+Elliott&s=books&sr=1-3&text=Chelsea+Elliott%2C+MSW ⁠Natalie's Not-So-Fun Play Date: How to Help Kids Manage Their Anger⁠ https://www.amazon.com/-/es/MSW-Chelsea-Elliott/dp/1735918636/ref=sr_1_2?qid=1657795804&refinements=p_27%3A+MSW%5CcChelsea+Elliott&s=books&sr=1-2&text=Chelsea+Elliott%2C+MSW Chelsea's Company ⁠www.somocomlab.com⁠ Donate Comfort Kits to Kids in Uvalde and Buffalo ⁠Donate Comfort Kits ⁠ https://www.gofundme.com/f/somocomlab?utm_campaign=p_lico+share-sheet&utm_medium=copy_link&utm_source=customer ⁠Follow Chelsea on LinkedIn⁠ https://www.linkedin.com/in/chelseacelliott/ Contact ANI ⁠Request A Customized Workshop For Your Company⁠: https://www.americannegotiationinstitute.com/services/workshops/ ⁠Follow Kwame Christian on LinkedIn⁠: https://www.linkedin.com/in/kwamechristian/ ⁠The Ultimate Negotiation Guide⁠: https://www.americannegotiationinstitute.com/guides/ultimate-negotiation-guide/ ⁠Click here to buy your copy of How To Have Difficult Conversations About Race!⁠: https://www.amazon.com/Have-Difficult-Conversations-About-Race/dp/1637741308/ref=pd_%5B%E2%80%A6%5Df0bc9774-7975-448b-bde1-094cab455adb&pd_rd_i=1637741308&psc=1 ⁠Click here to buy your copy of Finding Confidence in Conflict: How to Negotiate Anything and Live Your Best Life!⁠: https://www.amazon.com/Finding-Confidence-Conflict-Negotiate-Anything/dp/0578413736/ref=sr_1_1?crid=2PSW69L6ABTK&keywords=finding+confidence+in+conflict&qid=1667317257&qu=eyJxc2MiOiIwLjQyIiwicXNhIjoiMC4xNCIsInFzcCI6IjAuMjMifQ%3D%3D&sprefix=finding+confidence+in+conflic%2Caps%2C69&sr=8-1

David McKnight addresses a brand new proposal that could transform the way Americans use Roth IRAs and Roth 401(k) – and that could have serious implications for your retirement flexibility, liquidity, and long-term tax strategy. With the current status quo, if a person has money in a 401(k) or even a Roth 401(k), they can usually roll it out into an IRA when they retire or leave their job. However, money can't roll the other direction: you can't take a Roth IRA and move it into a Roth 401(k)... A new bipartisan bill introduced by Republican Representative Darin LaHood and Democrat Representative Linda Sánchez aims to change that. Under this proposal, you could roll your Roth IRA into an employer-sponsored Roth account like a Roth 401(k), a Roth 403(b) or even a Roth 457 plan. This change could mean less paperwork, potentially lower fees, and a simpler investment picture. David cites simplicity, cost and protection as a few of the reasons why lawmakers may want this bill to pass. One of the incentives for Washington may have to do with the fact that encouraging people to use Roth accounts – which are taxed up front – can generate more short-term tax revenue for the government. Everything isn't as good as it seems, though. David lists a few of the trade-offs involved with this potential change. Firstly, loss of control. When your money is in a Roth IRA, you can invest it wherever you want: Index funds, EFTs, individual stocks, and more. With an employer plan, your investment menu would be limited by the options the plan administrator offers. The so-called Five-Year Rule is another aspect worth considering. Typically, every Roth account has to be open for at least five years or until 59 ½, whichever is later, before earnings can be withdrawn tax-free.  Here's the tricky part: Each different kind of Roth account has its own five-year clock. This could turn into a logistical nightmare for plan administrators. David shares some final considerations regarding who would benefit and who may get negatively affected by the proposed bill and points out that "Not all Roths are created equal."     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Darin LaHood Linda Sánchez Employment Retirement Income Security Act (ERISA)

Get 20% of The 8 to 4 Principal Blueprint HERE.Does your school need a reset on behavior after the break? January is the perfect time for principals to pause, reflect, and reset Tier 1 behavior supports—before small issues turn into daily fires. In this episode of The Principal's Handbook, Barb Flowers walks you through how to treat January like a fresh start for behavior systems, even though it's midyear.Barb shares real examples from her own school, practical PBIS-aligned strategies, and mindset shifts that help principals move from reactive discipline to proactive systems. If behavior is consuming your day and keeping you from leading the way you want to, this episode will help you start the new year with clarity, consistency, and confidence.Get the Free PBIS Tier 1 Toolkit.Get my course, The Tier 1 Behavior Blueprint.

Viruses back in the day could completely wreck a computer system. Half the time you'd need an anti-virus. Back in my time, Dr. Solomon's Toolkit did the magic. In this episode, we have a trojan but it destroys flowers. I don't know how, but you can find out in this week's episode of The Feeling Station. Support the podcast here: www.buymeacoffee.com/feelingstationSupport tinto here: https://amzn.eu/d/1AaYCST

In today's episode, David McKnight breaks down the creditor protection rules for Roth IRAs and Roth 401(k)s, as well as why more and more Americans are turning to tax-free accounts to insulate themselves from creditors… and the Government itself. In theory, under Federal Law, all IRAs traditional or Roths receive a certain level of bankruptcy protection under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. However, that protection is specifically tied to bankruptcy proceedings. If you're sued in civil court, the Federal bankruptcy statute doesn't automatically apply, state law takes over… By pointing out differences between states like Texas, Arizona and Florida on one end, and California and Montana on the other, David explains that whether your Roth IRA survives a potential lawsuit intact depends largely on the state in which you reside. Roth 401(k)s play by a different set of rules, as they fall under the 1974 Employee Retirement Income Security Act (ERISA). David notes that "ERISA is the big Federal law that governs most employer-sponsored retirement plans, and it comes with some of the strongest creditor  protection available anywhere in the financial world."  According to David, it's not hard to see why the Federal Government is going to need huge infusions of new revenue in the very near future. Wondering how they will be raising that capital? By targeting the nearly $45 trillion in tax-deferred retirement accounts like IRAs and 401(k). In other words, while your retirement accounts may indeed be largely immune to lawsuits, they're entirely exposed to the impact of rising tax rates. David points out that contributing to 401(k)s or IRAs is like going into a business partnership with the IRS – every year, they get to vote on what percentage of your profits they get to keep. Remember: a well-planned Roth strategy doesn't just shield you from tomorrow's higher tax rates, it can also serve as a fortress protecting your wealth from outside claims.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 Employee Retirement Income Security Act of 1974 (ERISA)

If the idea of a sober Christmas makes you break out in a festive sweat, clutch a mince pie for emotional support, and whisper “Lord, give me strength,” then this episode is your new best friend.This week, Mrs Santa (Vic, with her saggy boob and questionable stuffing) and her long suffering festive sidekick Elf Hamish dive headfirst into the sparkly chaos of Christmas. First the fantasy version where everyone drinks kombucha and expresses gratitude, then the real version where Uncle Gary is drunk by 10am and someone cries because their new crocs are the wrong colour.Together they explore the myth of the perfect sober Christmas, the messy reality most of us face, and why the festive drinking culture feels overwhelming and very annoying when your'e sober. Today these two idiots offer up a simple sober toolkit to help you get through the day, and reflect on what Christmas really feels like without booze numbing the edges.This is your festive mix of honesty, humour, science, awkwardness and hope. Everything you need to get through the holiday season without falling face first into the gravy boat. So grab a fizzy water, hide in the loo if you need to, and join us for the Christmas episode that helps you sleigh the holiday season with your dignity intact.Merry Christmas sober legends. Feel the awkward and do it anyway!