Podcasts about toolkit

How do you know when it's worth optimizing your retirement plan and when it's better to keep things simple? This week, Roger answers a listener question by exploring Aristotle's concept of the "golden mean," arguing that the best retirement decisions are rarely found at either extreme. He explains why financial optimization should be measured by the life it enables rather than the dollars it saves and introduces the OODA Loop (Observe, Orient, Decide, Act) as a practical framework for evaluating trade-offs. Roger also answers listener questions about stepped-up cost basis after the death of a spouse, whether dividends can be used to fund an income floor, and when bonds versus CDs make sense in today's interest rate environment.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger introduces today's discussion on balancing financial optimization with simplicity, previews upcoming episodes, and shares updates on the August replay schedule and September Social Security series.RETIREMENT TOOLKIT(02:31) Finding your "golden mean" between optimizing your retirement plan and keeping it simpleWhy retirement planning often overemphasizes financial optimizationThe difference between optimizing for money and optimizing for lifeHow Aristotle's concept of the golden mean applies to retirement decisionsUsing the OODA Loop (Observe, Orient, Decide, Act) to make better decisionsRecognizing personal biases before making financial decisionsEvaluating trade-offs and second-order consequences before pursuing tax strategies, Roth conversions, and other optimization opportunitiesLISTENER QUESTIONS(36:35) Roger answers a listener's question about home cost basis. (41:02) Can dividend income be used to fill the gap in my retirement income floor?(44:55) Are bonds still a good conservative investment, or should I use CDs instead?SMART SPRINT(49:55) Practice using the OODA framework on a small, everyday decision this week to determine whether optimizing is truly worth the extra time and effort.CLOSING THOUGHTS(51:24) Roger reflects on how building a resilient retirement plan isn't just about protecting against uncertainty—it also gives you the confidence to lean into life and enjoy retirement more fullyREFERENCESSubmit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

In this episode, Harmony sits down with Karina for a conversation about the wisdom that's been inside us all along. Karina explains why she never uses tarot to predict the future — instead, she reads the cards as mirrors for the archetypal patterns already shaping our lives. They talk about magnetic creation, the eight-year fear block that kept her new book on a shelf, and the Terma ritual she teaches for manifesting from alignment instead of force. Along the way, Karina does a live tarot reading on air, and the conversation turns to AI, synchronicity, and what it really means to trust your own inner guidance. Guest: Karina La Puma is an author, intuitive guide, Reiki master, and Western astrologer (practicing since 1979). She's the creator of “A Toolkit for Awakening,” an eleven-book series weaving together tarot, astrology, mythology, psychology, and the hero's journey, and the designer of her own digital tarot deck. Her newest book, Awaken Magnetic Creation: Manifesting Your Dreams, is out now. In This Episode Why the wisdom we're seeking isn't out there somewhere — it's already inside us Karina's Sicilian and Calabrese roots, and her family's restaurant-and-bar life in small-town Pennsylvania How curiosity about astrology and tarot in her twenties turned into eleven books Inside “A Toolkit for Awakening” and the tarot deck that took 30 years to finish Karina's daily three-card ritual — body, mind, and emotions What “magnetic creation” means, and how it's different from ordinary manifestation (20:51) The eight-year fear block that delayed her own book — and the broken ankle that finally stopped her in her tracks AI as a creative co-creator: where it helps, and where Karina draws the line A live, on-air tarot reading for a listener facing a creative crossroads The Terma method: a ritual for burying the past, the future, and the present to manifest from essence, not form Archetypes, synchronicity, and what happens when the veil between inner and outer life gets thin Links & Resources Karina's book: Awaken Magnetic Creation: Manifesting Your Dreams Free gifts (Cosmic Codes + 10 Transformational Steps for Flow and Fulfillment): soul-source.org or klapuma.com Follow the show: @findingharmonypodcast Follow Harmony: @harmonyslaterofficial Curious about Harmony's November retreat on the west coast of Canada? DM @harmonyslaterofficial to request an application. The Inner Rejuvenation Codes: https://harmonyslater.kit.com/inner-rejuvenation-codes-mc Join the Lightworker Mastermind:  https://harmonyslater.com/lightworker-mastermind FIND Harmony online: https://harmonyslater.com/ Harmony on IG: https://www.instagram.com/harmonyslaterofficial/ Finding Harmony Podcast on IG: https://www.instagram.com/findingharmonypodcast/ FREE Manifestation Activation: https://harmonyslater.kit.com/manifestation-activation

In this episode, Harmony sits down with Karina for a conversation about the wisdom that's been inside us all along. Karina explains why she never uses tarot to predict the future — instead, she reads the cards as mirrors for the archetypal patterns already shaping our lives. They talk about magnetic creation, the eight-year fear block that kept her new book on a shelf, and the Terma ritual she teaches for manifesting from alignment instead of force. Along the way, Karina does a live tarot reading on air, and the conversation turns to AI, synchronicity, and what it really means to trust your own inner guidance. Guest: Karina La Puma is an author, intuitive guide, Reiki master, and Western astrologer (practicing since 1979). She's the creator of “A Toolkit for Awakening,” an eleven-book series weaving together tarot, astrology, mythology, psychology, and the hero's journey, and the designer of her own digital tarot deck. Her newest book, Awaken Magnetic Creation: Manifesting Your Dreams, is out now. In This Episode Why the wisdom we're seeking isn't out there somewhere — it's already inside us Karina's Sicilian and Calabrese roots, and her family's restaurant-and-bar life in small-town Pennsylvania How curiosity about astrology and tarot in her twenties turned into eleven books Inside “A Toolkit for Awakening” and the tarot deck that took 30 years to finish Karina's daily three-card ritual — body, mind, and emotions What “magnetic creation” means, and how it's different from ordinary manifestation (20:51) The eight-year fear block that delayed her own book — and the broken ankle that finally stopped her in her tracks AI as a creative co-creator: where it helps, and where Karina draws the line A live, on-air tarot reading for a listener facing a creative crossroads The Terma method: a ritual for burying the past, the future, and the present to manifest from essence, not form Archetypes, synchronicity, and what happens when the veil between inner and outer life gets thin Links & Resources Karina's book: Awaken Magnetic Creation: Manifesting Your Dreams Free gifts (Cosmic Codes + 10 Transformational Steps for Flow and Fulfillment): soul-source.org or klapuma.com Follow the show: @findingharmonypodcast Follow Harmony: @harmonyslaterofficial Curious about Harmony's November retreat on the west coast of Canada? DM @harmonyslaterofficial to request an application. The Inner Rejuvenation Codes: https://harmonyslater.kit.com/inner-rejuvenation-codes-mc Join the Lightworker Mastermind:  https://harmonyslater.com/lightworker-mastermind FIND Harmony online: https://harmonyslater.com/ Harmony on IG: https://www.instagram.com/harmonyslaterofficial/ Finding Harmony Podcast on IG: https://www.instagram.com/findingharmonypodcast/ FREE Manifestation Activation: https://harmonyslater.kit.com/manifestation-activation

Today's conversation is with Dylan King, founder of King AI and Automation. Dylan helps businesses in the UK identify and implement the AI systems that allow them to grow and scale effectively.Artificial Intelligence is moving at an incredible pace.Every week there's a new tool, a new model, or another headline claiming AI will change everything.The challenge for most business owners isn't whether AI matters. It's knowing what actually matters.In this conversation, Dylan cuts through the noise to explain which AI tools are genuinely worth your time, how to implement them into your business, and why AI should be viewed as a productivity multiplier rather than a replacement for your expertise.Expect to learn:Why Dylan recommends Claude over other AI platforms for most business ownersHow Claude Projects can become your AI-powered operating systemWhy one-off AI chats are limiting your productivityThe AI tools every business owner should know aboutWhy Fathom AI is transforming meetings and sales callsHow NotebookLM can become your personal learning assistantWhy Airtable is an ideal first CRM for growing businessesThe biggest mistakes people make when creating AI contentWhy your expertise should always come before AIThe security risks businesses need to understand before deploying AI publiclyWhere AI is heading and what it means for the future of businessIf you've been wondering how to actually use AI beyond writing emails or asking simple questions, this conversation will give you practical ideas you can implement immediately.Order your supplements from VitaMonth using CAMBRO for 50% off - https://vitamonth.ukMake Millionaire Money Moves - https://millionaire-fhcpmlvz.manus.spaceAudit your sales process in 4 minutes - https://colinsales-vygp2xak.manus.spaceGet my Linkedin for Sales Guide - https://colcambro.kit.com/products/linked-in-personal-brand-for-sellingConnect with Dylan:LinkedIn: https://www.linkedin.com/in/dylan-king-ai/Website - https://www.kingaiandautomation.co.uk/ Connect with Col:Instagram: https://www.instagram.com/col.cambro/Email List: https://colcambro.kit.com/30bde23b0cPatreon: https://www.patreon.com/ColCampbell

Today's listener has an idea to sell a toolkit to help sole proprietors become more efficient. What are the pros and cons of this idea? Side Hustle School features a new episode EVERY DAY, featuring detailed case studies of people who earn extra money without quitting their job. This year, the show includes free guided lessons and listener Q&A several days each week.Show notes: SideHustleSchool.comEmail: team@sidehustleschool.comBe on the show: SideHustleSchool.com/questionsConnect on Instagram: @193countriesVisit Chris's main site: ChrisGuillebeau.comRead A Year of Mental Health: yearofmentalhealth.comIf you're enjoying the show, please pass it along! It's free and has been published every single day since January 1, 2017. We're also very grateful for your five-star ratings—it shows that people are listening and looking forward to new episodes.

Your booked revenue is below plan. Your pipeline can't close the gap fast enough. And you're wondering if it's time to go back to corporate. Or maybe your numbers are fine right now, but you've lived through a downturn before and you never want to be caught flat-footed again.Either way, this episode is your plan.In Episode 279, Melisa Liberman walks through a 90-day turnaround for independent consultants whose revenue has slipped below plan.From there, Melisa lays out the three steps that pull a consulting business out of a revenue dip and back into booked consulting work, fast. She also tells the story of Anna, an operations consultant who lost her primary client with no warning and no pipeline in place. What Anna did over the next 90 days is the clearest proof that you can turnaround from a downturn more quickly than you might think.If your revenue is down and you're not sure whether to keep pushing or cut your losses, this episode tells you exactly what to do and in what order.Timestamps for Key Moments:[00:00] Why revenue downturns happen and who this episode is for[00:03] Agenda overview[00:05] Companion resource: Grow Your Consulting Business book and toolkit at melisabook.com[00:06] What a downturn actually is — the two-condition definition[00:08] Do the math before assuming you're in one[00:09] 3 Components of the Turnaround Plan[00:27] Anna's story: from abrupt client loss to pillar client in 50 days[00:34] Steps to put this into actionResources Mentioned:Companion Resource: Grow Your Consulting Business Book and Toolkit. Download free at melisabook.comFull Show Notes: https://shownotes.melisaliberman.com/episode-279Want More?Melisa's Books, Planners & Journals: https://linktr.ee/melisalibermanGet Melisa's Book: https://www.melisaliberman.com/bookVisit Melisa's Website: https://www.melisaliberman.com/Follow on LinkedIn: https://www.linkedin.com/in/melisa-libermanWant help achieving your consulting business goals? Melisa can help. Click here for more on coaching tailored to you as an independent consulting business owner.

Have you ever left a hangout with a friend and felt like 95% of the hangout was normal, but the other 5% was just… off?Maybe it was a comment that surprised you, or a value that seemed to come out of nowhere. And suddenly you're wondering, wait, is this still the person I thought I knew?!That's what I'm talking about in today's episode. Notice this isn't about friendship breakups or big fights. But rather, the strange grief of realizing a friend might be changing in a way that no longer feels aligned for you.I'll walk through why this can feel so disorienting, how old friendship roots can keep us connected even when something important has shifted, and the 3 options I think you have when a friendship still exists, but the person inside it feels different.This episode is sponsored by Slowly, a digital penpal app used by over 10 million people worldwide! If you've been looking for a low-pressure way to connect with someone completely outside your normal friendship circle, this is it. Exchange letters at your own pace, no small talk panic required. Download Slowly free and get 30% off Slowly Plus using my link: https://open.slowly.app/miXL/l8ei5iw6.In this episode you'll hear about:What those tiny “wait, what?” moments can reveal, especially when most of your friendship still feels normalThe difference between a friend simply changing and a friend shifting in a way that no longer feels alignedHow friendship roots explain why old friendships can feel both familiar and disorienting at the same timeWhen to consider a friendship demotion, a friendship pause, or ending a friendship altogetherResources & LinksOrder my book, Are We Friends Yet?and get immediate access to the Less Lonely Club Community and the 10-Day Connection Reset Private Podcast.Learn more about The Friendhood on their website and on Instagram.Episode 12: Digging Into the 3 Types of Friendship RootsEpisode 45: Friendship Demotions (and How to Build Even Better Friendships)Episode 136: The Surprising Benefits of a Friendship PauseLike what you hear? Visit my website, leave me a voicemail, and follow me on Instagram and TikTok!Want to take this conversation a step further? Send this episode to a friend. Tell them you found it interesting and use what we just talked about as a conversation starter the next time you and your friend hang out!This episode is sponsored by Are We Friends Yet?, Alex's book on building the support system you've been wanting. Buy the book and submit your receipt before July 16th to get The Connector's Toolkit free: a private pep talk podcast for the moments that feel hardest, a full year in The Less Lonely Club, and more. Grab your bonuses at alexalexander.com/are-we-friends-yet This episode is sponsored by Slowly, a digital pen pal app used by over 10 million people worldwide. If you've been looking for a low-pressure way to connect with someone completely outside your normal friendship circle, this is it. Exchange letters at your own pace, no small talk panic required.Download Slowly free and get 30% off Slowly Plus using my link: https://open.slowly.app/miXL/l8ei5iw6WANT MORE? My book, Are We Friends Yet? is here. Order your copy today!Dive into The Connection Reset. A 10-day private podcast to help you see the abundance of connection that already exists in your day-to-day (Yes. Really. I promise you have more than you realize). Start today. 

This week Roger explains why rebalancing is one of the most important disciplines in retirement planning. In the Retirement Toolkit, he explores the difference between a traditional investment allocation and a retirement allocation, explaining how to organize your assets to support both your current lifestyle and your future needs. Along the way, he answers listener questions about speculative investments, the retirement red zone, the Rule of 55, and managing retirement cash reserves.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger explains why portfolios naturally drift over time and why rebalancing helps keep your retirement plan aligned with your long-term goals.RETIREMENT TOOLKIT(02:45) Roger explains how to rebalance a retirement portfolio, introduces his retirement allocation strategy, and shares practical tips for keeping your investments aligned with the life you want to live.LISTENER QUESTIONS(34:50) BB asks whether a high-risk AI cryptocurrency investment belongs in a retirement portfolio. Roger discusses separating speculative investments from retirement assets and investing with intention.(39:30) Jim asks how the retirement red zone changes for people who retire early. Roger explains sequence of returns risk and why its impact depends on factors like retirement age and overall funding.(44:16) Jamie asks how the Rule of 55 applies to her 401(k). Roger explains why eligibility depends on the employer's retirement plan and recommends checking with the plan administrator.(46:53) Pat asks how to replenish a retirement money market account each year. Roger discusses coordinating withdrawals with tax planning and maintaining flexibility in retirement income.SMART SPRINT(50:10) Roger encourages listeners to identify their target retirement allocation by defining how much they want in their contingency fund, income reserve, and long-term growth portfolio.ON THE BOOKSHELF (51:28) Nicole recommends Undistracted by Bob Goff, and Mark recommends Living Life in Crescendo by Stephen R. Covey and Cynthia Covey Haller. Roger shares his thoughts on lifelong growth and purpose in retirement. REFERENCESSubmit a Question for RogerSign up for The NoodleUndistracted: Capture Your Purpose. Rediscover Your Joy. by Bob GoffLiving Life In Crescendo by Stephen R. CoveyNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

Revisiting a previous episode from May 2025!In Episode 160 of Torn: Finding a Mom-Life Balance, Athena and Mims return for the second installment of their summer planning series, equipping the Torn Tribe with a practical and heartfelt Summer Toolkit designed to support families in three core areas: Supplies, Sanity, and Structure.

What if the reason you're not following through has nothing to do with being lazy? What if you're not broken, unmotivated, or undisciplined? What if you just need a better way to get yourself started? In this must-listen episode of I Dare You, I sit down with Dr. Russell Ramsay, one of the world's leading experts on adult ADHD. Dr. Ramsay is a psychologist specializing in the assessment and psychosocial treatment of adult ADHD, an internationally recognized speaker, a CHADD Hall of Fame inductee, and the author of six books — including his brand-new book, Once I Get Started: The Adult ADHD Program for Turning Your Intentions Into Actions. And this conversation is not just for people with ADHD. It's for you if you've ever said, “I know what I need to do… so why am I not doing it?” Dr. Ramsay breaks down why procrastination is not always a willpower problem, why ADHD is so misunderstood, and why the gap between your intentions and your actions can be changed with small, practical strategies. This episode will help you understand your brain, stop beating yourself up, and take the next small step from stuck to started. Plus — this is a big deal — I Dare You listeners get FREE access to the Atomic Habits-inspired Toolkit, created to help you reset, refocus, and build the habits that move you toward the life you actually want. Get your FREE Atomic Habits Toolkit at idareyoupod.com. Listen now. Take the smallest next step. I dare you. Follow Dr. Russell Ramsay: www.cbt4adhd.com Instagram: @cbt4adhd

This episode is about how to avoid the b-word. Burnout is a real danger for anyone on a mission, whether you're earning a degree, building a business, or in the case of today's guest, both! Deb is talking to Andrea Nechita, who just launched My Student Toolbox, a valuable resource for anyone in higher education or someone going back to learning that needs support in creating systems that guarantee low anxiety, improved transition skills, and overall performance and success. Andrea talks about the systems that have made her successful, finding joy and motivation when things get tough and shares her top advice for anyone who's on a mission. And if the word “systems” makes you cringe, Andrea has some hot tips for you. Listen in and discover how you can minimize stress and improve your achievements while building your dreams and acing your classroom experiences!Website: www.acnechita.com

What happens when the thing you're most afraid of is also the thing that gives your life the most meaning?Matt Bromley chases storms for a living. Literally.He tracks weather systems forming across the globe, and when the wave looks big enough, he flies in, straps on an inflation vest, and paddles into waves three to seven storeys tall.Besides getting all the titles you can imagine in the Big Surfer World - Matt spent almost 20 years learning how to work with fear instead of around it to unlock more of his potential in this life.In this episode, Matt takes us inside the mind of someone whose "office" can genuinely kill him — and the mental training that makes that survivable, and even purposeful. We talk about:

(0:00) The AI Buildout: Datacenters Bigger Than Cities (Andrew Feldman) (1:50) Reasoning, Inference, and Breaking Moore's Law (16:28) Open Source, AI Sovereignty, and the Road to AGI (40:54) The Innovation Behind Generative Video (Robin Rombach) (47:31) Martin Scorsese, Robots, and the Future of Hollywood IP Thanks to our partners for making this possible! AppLovin Ads - AppLovin's AI advertising platform reaches over a billion daily active users across mobile games. Full-screen video ads with a 35-second median watch time. Advertisers are profitably spending hundreds of thousands of dollars a day and advertiser access is still in closed beta. The window is open at https://applovin.com/ALLIN Nasdaq - Positioned at the nexus of technology and the capital markets, Nasdaq provides premier platforms and services for global capital markets and beyond with unmatched technology, insights and markets expertise. https://www.nasdaq.com/convergence-economy Follow Andrew: https://x.com/andrewdfeldman Follow Robin: https://x.com/robrombach Follow the besties: https://x.com/chamath https://x.com/Jason https://x.com/DavidSacks https://x.com/friedberg Follow on X: https://x.com/theallinpod Follow on Instagram: https://www.instagram.com/theallinpod Follow on TikTok: https://www.tiktok.com/@allin Follow on LinkedIn: https://www.linkedin.com/company/allinpod Intro Music Credit: https://rb.gy/tppkzl https://x.com/yung_spielburg

There is something dreamy about the idea of living close to your people. Imagine all of the spontaneous walks, casual dinners, and “come over, I'm on my couch” friendship vibes that so many of us crave.Today I'm talking with Kelly and Kristi from The Friendhood, a group of four women in Atlanta who actually did it. They didn't just talk about moving closer to their friends someday — they now live within a block of each other, and their story went mega viral.In this episode, we chat about what it really looks like to live near your best friends: the boundaries, the chosen family dynamics, the hard conversations, the 1:1 friendships inside the group, the joy of being aunties, and why proximity does not mean you are together all the time.In this episode you'll hear about:How The Friendhood went from 1 friend buying a lot in a new Atlanta development to 4 women living within a block of each otherWhy their chosen family dynamic includes husbands, kids, nephews, and the whole family unitA “yearly friendship check-in” idea that Kelly uses to ask what's working and what needs supportHow The Friendhood avoids gossip and protects 1:1 friendships inside the larger groupResources & LinksLearn more about The Friendhood on their website and on Instagram.Episode 14: How To Join a Friend Group Or Create OneEpisode 42: Real Talk About Friendship TriosEpisode 65: How Jenna Myhre Deyle Moved Across The Country to Live Closer to FriendsEpisode 100: How To Use the Wheel of Connection to Strengthen Your Support SystemEpisode 149: Why We Should All Want Our Friends to Have Robust Social Lives (Even If It's Without Us)Episode 176: The Cost of Quiet: How To Stop Avoiding Conflict and Have Those Hard Conversations with Colette Jane FehrLike what you hear? Visit my website, leave me a voicemail, and follow me on Instagram and TikTok!Want to take this conversation a step further? Send this episode to a friend. Tell them you found it interesting and use what we just talked about as a conversation starter the next time you and your friend hang out!This episode is sponsored by Are We Friends Yet?, Alex's book on building the support system you've been wanting. Buy the book and submit your receipt before July 16th to get The Connector's Toolkit free: a private pep talk podcast for the moments that feel hardest, a full year in The Less Lonely Club, and more. Grab your bonuses at alexalexander.com/are-we-friends-yet This episode is sponsored by Slowly, a digital pen pal app used by over 10 million people worldwide. If you've been looking for a low-pressure way to connect with someone completely outside your normal friendship circle, this is it. Exchange letters at your own pace, no small talk panic required.Download Slowly free and get 30% off Slowly Plus using my link: https://open.slowly.app/miXL/l8ei5iw6WANT MORE? My book, Are We Friends Yet? is here. Order your copy today!Dive into The Connection Reset. A 10-day private podcast to help you see the abundance of connection that already exists in your day-to-day (Yes. Really. I promise you have more than you realize). Start today. 

This week Roger talks about one of the biggest challenges retirees face today: information overload. He explains why more information doesn't always lead to better decisions and why building a great retirement starts with focusing on what matters most to you. In the Retirement Toolkit, Roger unpacks stepped-up cost basis, covering how it works, when it matters, and how it can become a valuable estate planning tool. Along the way, he answers listener questions on retirement income strategies, cash reserves, government retirement accounts, and how to create a retirement plan that's both practical and personal. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger discusses how information overload can make retirement planning feel overwhelming and explains why simplifying your focus leads to better decisions.RETIREMENT TOOLKIT(08:20) Roger breaks down stepped-up cost basis, explaining how inherited assets receive a new tax basis at death, which assets qualify, how the rules differ for spouses, and how this strategy fits into estate and retirement planning.LISTENER QUESTIONS(21:20) Mike asks whether adding a whole life insurance policy is an effective retirement income strategy. Roger explains why it's important to build a retirement plan first before evaluating insurance products and discusses situations where whole life may or may not make sense.(32:00) Allison asks about the federal TSP's pro-rata withdrawal rules and whether rolling funds to an IRA would make a bucket strategy easier to implement.(34:13) Steven asks how much cash to have available before retirement. Roger shares his approach for building a five-year spending reserve while balancing flexibility and sequence-of-returns risk.(39:56) Tom asks whether to model retirement spending using flat nominal dollars or adjust for inflation and the retirement spending smile. Roger explains why retirement plans should reflect personal spending goals rather than population averages.SMART SPRINT(47:00) Roger encourages listeners to filter information through their own priorities, remembering that general advice is only valuable if it applies to their unique situation.REFERENCESSubmit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

Christian; Follower of GOD Servant of CHRIST       Patreon https://bit.ly/3jcLDuZBio:Combat Veteran; U.S. Marine Corps Urban Warfare Instructor;       S.R.T. Commander Active Shooter Response Team Law Enforcement Los Angeles Police (L.A.P.D.) Police Officer / Fugitive RecoveryF.B.I. Instructor N.R.A Instructor Competition Shooter; Multi Time State Rifle Pistol Champion Hunting; Life Long Hunter Professional Hunter and Guide Private Security Contractor; Several Agencies,  Current.Patreon https://bit.ly/3jcLDuZBecome a supporter of this podcast: https://www.spreaker.com/podcast/gunfighter-life-survival-guns-ammo-hunting-defense-tactics--4187306/support.Have a Blessed Day 

There's a specific kind of loneliness that I don't think enough people talk about — the loneliness you feel EVEN when you have good friends.In this episode, I'm talking about why you might feel lonely, and I'm breaking it down into a few different reasons. Maybe you don't feel fully seen, maybe this friendship isn't the right container for what you're carrying, maybe life circumstances have changed, or maybe there are quiet expectations that have never actually been named out loud.My hope is that this episode gives you language for what might be happening in one specific friendship, so you have somewhere to start.In this episode you'll hear about:Why you might feel lonely in a friendship when you're masking, staying surface-level, or sharing vulnerablyHow to tell when a friendship is not the right “container” for a specific experience, passion, life change, or dream you're carryingWhy drift can happen when one person changes and the friendship hasn't caught up yetWhy texts, voice memos, and FaceTimes do not always replace the shared experiences you're cravingResources & LinksEpisode 12: Digging Into the 3 Kinds of Friendship RootsEpisode 36: How To Feel Very “Not Alone”Episode 74: The Power of Vulnerability In Small DosesEpisode 100: How To Use the Wheel of Connection to Strengthen Your Support SystemEpisode 176: The Cost of Quiet: How To Stop Avoiding Conflict and Have Those Hard Conversations with Colette Jane FehrEpisode 179: What Is Friendship Culture? (And How To Shift It Without Everything Blowing Up)This episode is sponsored by Are We Friends Yet?, Alex's book on building the support system you've been wanting. Buy the book and submit your receipt before July 16th to get The Connector's Toolkit free: a private pep talk podcast for the moments that feel hardest, a full year in The Less Lonely Club, and more. Grab your bonuses at alexalexander.com/are-we-friends-yet This episode is sponsored by Slowly, a digital pen pal app used by over 10 million people worldwide. If you've been looking for a low-pressure way to connect with someone completely outside your normal friendship circle, this is it. Exchange letters at your own pace, no small talk panic required.Download Slowly free and get 30% off Slowly Plus using my link: https://open.slowly.app/miXL/l8ei5iw6WANT MORE? My book, Are We Friends Yet? is here. Order your copy today!Dive into The Connection Reset. A 10-day private podcast to help you see the abundance of connection that already exists in your day-to-day (Yes. Really. I promise you have more than you realize). Start today. 

This week Roger explores the idea of "digging where your feet are" and how focusing on what you can do today can reduce anxiety about the future and regret about the past. In the Retirement Toolkit, he explains the basics of Required Minimum Distributions (RMDs), including when they begin, which accounts they affect, how they're calculated, and strategies for managing them through retirement. Listener questions cover Roth conversions, 401(k) rollovers, donor-advised funds versus direct charitable giving, and healthcare costs before Medicare. Roger closes the episode with a Fourth of July story about unexpected kindness from strangers in rural Texas.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger introduces the idea of "dig where your feet are" and explains why focusing on today's actions leads to better retirement planning than living in the future or the past.RETIREMENT TOOLKIT(04:06) Roger breaks down Required Minimum Distributions (RMDs), explaining what they are, when they begin, which retirement accounts are affected, how they're calculated, and strategies for minimizing their long-term tax impact.LISTENER QUESTIONS(17:10) Michael asks whether Roth conversions are worthwhile with only a short window between retirement and the start of Required Minimum Distributions.(23:10) Lynn asks how to minimize market risk when rolling a 401(k) into an IRA and worries about being out of the market during the transfer.(28:19) Sandy shares concerns about donor-advised funds and encourages earlier conversations around charitable giving. Roger discusses both the advantages and criticisms of donor-advised funds.(32:52) John shares concerns about healthcare costs before Medicare. Roger discusses replacing vague fears with concrete planning and evaluating the trade-offs of retiring early.SMART SPRINT(38:01) Roger's challenge this week: estimate your future Required Minimum Distribution using an online calculator to better understand how RMDs may affect your retirement income and taxes.CLOSING THOUGHTS (38:54) Roger shares a Fourth of July story about his daughter receiving help from several strangers after experiencing car trouble in rural West Texas, reflecting on kindness, generosity, and the spirit of America.REFERENCESSubmit a Question for RogerSign up for The NoodleCharles Schwab Required Minimum Distribution CalculatorNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

David McKnight kicks off this Power of Zero Show episode by stressing that, in his opinion, tax rates in the future are likely to be much higher than they are today. Why? Because the U.S. has a national debt that continues to grow at an alarming rate. It has hundreds of trillions of dollars in unfunded obligations for programs like Social Security, Medicare, and Medicaid. At some point, the Government is going to need huge infusions of cash to meet such obligations. The so-called "Widow's Penalty" is a very compelling reason, David believes, to consider doing Roth conversions while today's tax rates are still around. And that's true even if you don't think that future tax rates will be higher than the current ones… David explains how, when a spouse passes away before the other, the surviving spouse often inherits a tax problem at a moment in life when they're least equipped to deal with it. The ugly truth is that, in many cases, surviving spouses earn nearly the same amount of income as before while being forced to operate within a less favorable tax framework. That means that income that previously fit comfortably inside the 24% tax bracket can suddenly spill over into the 32%, 35% or even 37% bracket! David touches upon the fact that one of the most important tax planning windows in their entire lifetime occurs during the years when both spouses are still alive and filing taxes jointly. Remember: this topic is crucial because tax consequences don't necessarily end with the surviving spouse.  Whatever remains in your IRA may pass on to your children. David's advice is to move money slowly enough that you don't rise into a tax bracket that gives you heartburn, but quickly enough that you get all the heavy lifting done before tax rates go up for good.     Mentioned in this episode: David's new book: 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

AI is reshaping how people do their jobs, and for some newsrooms, that means using it as a tool to strengthen their reporting.

If you started the year with big goals but your habits have started to slip, this episode is your mid-year check-in. You don't need to wait for January to begin again. You don't need to tear your life apart or make some massive dramatic change. You need a Mid-Year Resolution — a simple waypoint to pause, check your coordinates, and ask: Am I still becoming the person I said I wanted to become? In this solo episode, I use the principles of Atomic Habits by James Clear to help you reset your systems, rebuild momentum, and make the second half of the year even stronger than the first. Because the truth is: you don't rise to the level of your goals — you fall to the level of your systems. And every small action you take is casting a vote for the leader, parent, spouse, friend, and person you are becoming. In this episode, I will help you: Celebrate the small wins you've already earned Identify where your habits and systems have drifted Stop “driving with the parking brake on” Rebuild the fundamentals: sleep, nutrition, and movement Create better cues, routines, and rhythms for the second half of the year Build your “second scoreboard” so your identity is bigger than your work This is about making your habits obvious, your systems stronger, and your next step simple. And as a special gift for I Dare You listeners, Darrin is offering the FREE Atomic Habits Mid-Year Resolution Toolkit, beautifully designed by Dani Saveker, to help you reflect, refocus, and build the habits that will carry you through the second half of the year. Go to idareyoupod.com to grab your FREE toolkit. No catch. Connect with Darrin Johnson: www.idareyoupod.com Instagram: @idareyoupod YouTube: https://www.youtube.com/@IDareYouPod TikTok: @idareyoupod

The Presence Study Toolkit is here—and it's more than a resource. It's a roadmap for transforming family-centered care in the NICU.In this episode of the Empowering NICU Parents Podcast, Nicole Nyberg is joined by Fabiana Bacchini, Executive Director of the Canadian Premature Babies Foundation and internationally recognized family advocate, to share the remarkable story behind the Presence Study Toolkit.Together, they discuss how the COVID-19 pandemic inspired the groundbreaking Presence Study, why its findings remain just as relevant today, and how a collaborative team of clinicians, researchers, and parent advocates transformed those recommendations into a practical implementation guide for NICUs around the world.As two of the lead authors of the toolkit, Nicole and Fabiana take listeners behind the scenes of its development, sharing the passion, purpose, and collaboration that brought it to life. They also explore simple, practical ways NICUs can begin implementing meaningful change—one chapter, one recommendation, and one small step at a time.Whether you're a NICU parent, nurse, physician, therapist, educator, quality improvement leader, or hospital administrator, this conversation will inspire you to rethink what family-centered care truly means and how small changes can have a lasting impact on babies and families.In this episode, you'll learn:• The story behind the Presence Study and why it still matters today.• How the Presence Study Toolkit bridges the gap between research and practice.• Why parents are essential caregivers—not visitors.• Practical ways to begin creating meaningful, sustainable culture change in your NICU.• The importance of remembering the why behind family-centered care.

Lauren Maggio, PhD, MS(LIS), Editor-in-Chief of MedEdPORTAL, visits the Faculty Factory this week for a comprehensive look at the value of submitting to this open-access, peer-reviewed publication and why utilizing its resources throughout your career is a must. In addition to her role with MedEdPORTAL, Dr. Maggio is a Professor and the Director of Research in the Department of Medical Education at the University of Illinois College of Medicine. She also serves on the editorial boards of Academic Medicine and Perspectives on Medical Education. Founded in 2005, MedEdPORTAL is the Association of American Medical Colleges' journal of teaching and learning. "MedEdPORTAL is a diamond open access journal. And what that means is that not only can everyone around the world read what's in MedEdPORTAL for no charge, there's also no charge for you to publish in MedEdPORTAL. So there are no fees for the authors and for the readers. Which to me, as someone who came up in information science and open access, is incredibly important," Dr. Maggio said. MedEdPORTAL also supports the creative commons approach to protecting the intellectual property of those who are published, while allowing others to utilize its value. "We use Creative Commons licenses, which ensure that you have your copyright, that you will get credit for your work, but you are allowing others to reuse your work and modify it for their own context. Because at the end of the day we want our colleagues around the world to be able to take those off the shelf and put them into play in their classroom," Dr. Maggio added.

Why does connection, caregiving, parenting, friendship, and community feel so hard right now? Author Stephanie Malia Krauss is here to talk about the “weather” we're all living in right now: we're overtapped, overworked, overstimulated, and overwrought. And honestly, when I read that, I felt like she had put language to something so many of us are carrying around without even realizing it.Stephanie and I both know what it feels like to be raised by a community. We talk about the adults who showed up in small ways when we were kids: the friend's mom who always had a snack waiting, the counselor with animal crackers in her office, the parents who figured out rides, and the people who kept opening doors even when we weren't ready to tell the truth.This episode is all about the tiny ways people can help us feel human again, and why none of us were ever meant to do this alone.In this episode you'll hear about:How Stephanie's “dangerous weather” framework explains the exhaustion so many of us feel right nowWhat Stephanie and I learned from unlocked doors, team jackets, special snacks, and tiny check-insAskables, anchors, and activators, and why kids need more than one caring adult in their livesHow being praised for self-sufficiency, responsibility, and caregiving can become its own kind of trapResources & LinksCheck out Stephanie's new book, How We Thrive: Caring for Kids and Ourselves In a Changing World.Stephanie's other books include Making It: What Today's Kids Need for Tomorrow's World and Whole Child, Whole Life.This episode is sponsored by Are We Friends Yet?, Alex's book on building the support system you've been wanting. Buy the book and submit your receipt before July 16th to get The Connector's Toolkit free: a private pep talk podcast for the moments that feel hardest, a full year in The Less Lonely Club, and more. Grab your bonuses at alexalexander.com/are-we-friends-yet This episode is sponsored by Slowly, a digital pen pal app used by over 10 million people worldwide. If you've been looking for a low-pressure way to connect with someone completely outside your normal friendship circle, this is it. Exchange letters at your own pace, no small talk panic required.Download Slowly free and get 30% off Slowly Plus using my link: https://open.slowly.app/miXL/l8ei5iw6WANT MORE? My book, Are We Friends Yet? is here. Order your copy today!Dive into The Connection Reset. A 10-day private podcast to help you see the abundance of connection that already exists in your day-to-day (Yes. Really. I promise you have more than you realize). Start today. 

David McKnight discusses the Woman's World article Suze Orman Reveals When to Buy an Annuity - and the One Question You Must Answer First. For years, Orman has warned investors away from annuities, often lumping them into the category of expensive financial products that enrich salespeople at the expense of consumers. David has been surprised by what the current views of Orman appear to be, completely in line with what David has been preaching for years. Orman's analysis begins with a key consideration: annuities can be a helpful tool in retirement, but whether they make sense for you depends on one key factor: your income needs. In the Woman's World article, Orman writes that the first step is to figure out how much money you need each month to cover your essential expenses. Next, you should look at your guaranteed income sources like Social Security, a pension, rental properties, interest, or dividends. David paints out the scenario in which you get permission to take more risk in the stock market portion of your portfolio. A recent BlackRock study showed that people whose living expenses are guaranteed spend 22% more than those who rely on their stock market portfolio alone in retirement. David talks about what he refers to as a "piecemeal internal Roth conversion feature" and why it may be a beneficial asset. David sees Orman's approach as short-sided for the fact that guaranteed lifetime income isn't the only mathematically appropriate use of annuities. True, most retirees own bonds because they want stability, but bonds do come with reinvestment risks, interest rate risks, inflation risks, and often low long-term returns. David explains what would happen if you reached into your portfolio, removed bonds, and replaced them with an annuity. According to David, the conversation needs more nuance because "not all annuities are created equal". Remember: retirement planning isn't about one-size-fits-all financial advice; it's about creating a customized approach that will help you wring the most efficiency out of your retirement savings.     Mentioned in this episode: David's new book: 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 Suze Orman Woman's World article - Suze Orman Reveals When to Buy an Annuity - and the One Question You Must Answer First  BlackRock Ken Fisher

Every trial training promises the answer. Sharif Gray spent four years attending them all — and discovered the real lesson is that there is no one answer, only the toolkit you build for yourself. A Virginia Military Institute valedictorian and UVA Law graduate, Sharif joined forces with partner Gray Broughton to build a seven-lawyer firm — five former JAG officers, six former prosecutors. He shares how he won a $20 million verdict on a case with no catastrophic physical injury, battled a hostile judge for meaningful voir dire, and weaponized the defense's overreach to his client's advantage. Hosts Ben Gideon and Rahul Ravipudi explore how hunger, mentorship, and the willingness to lose cases separates good lawyers from great ones.Learn More and Connect☑️ Sharif Gray | LinkedIn | Instagram | Podcast ☑️ Gray Broughton Injury Law | LinkedIn | Facebook☑️ Ben Gideon | LinkedIn | Facebook | Instagram☑️ Gideon Asen on LinkedIn | Facebook | YouTube | Instagram☑️ Rahul Ravipudi | LinkedIn | Instagram☑️ Panish Shea Ravipudi LLP on LinkedIn | Facebook | YouTube | Instagram☑️ Subscribe: Apple Podcasts | SpotifyProduced and Powered by LawPodsSponsored by SmartAdvocate, Hype Legal, Expert Institute, and Steno.

Jennie and Leeza Gibbons continue their vulnerable conversation about caregiving with practical, practice-able resources like: how to create a "sanity sanctuary," protect your relationships and how to find five minutes to move. Plus, Leeza shares her transformative "5 More Strategy" to laugh more, move more, plan more, break more and connect more. Listen for your permission slip to breathe. Follow @IChooseMewithJennieGarth on Instagram and TikTokFollow @JennieGarth on Instagram, TikTok, and Facebook See omnystudio.com/listener for privacy information.

You get asked some version of “can I pick your brain?” all the time.Sometimes it's direct. Sometimes it's a networking meeting that becomes a free consulting advisory session. Sometimes it's a discovery call that was never really a discovery call. Sometimes it's a "quick question" text from a past client.Sometimes it's a former colleague who wants to become an independent consultant.And you say yes. Because you want to be helpful. Because it feels rude not to. Because you think it could turn into something.These yeses add up. And not just in time. But in unexpected ways too.In this episode, Melisa Liberman - Breaks down the two types of pick-your-brain requests that cost independent consultants. - The important identity shift a successful business owner makes re: the “pick your brain” requests.- The PYB Protocol for deciding in advance what you will say yes to, and what to do in the meetings when you decide to take them.- Turning Pick Your Brain sessions into paid engagements.If you have been saying yes by default and feeling the cost of it, this episode gives you a system for triaging all the pick your brain requests that come across your desk.Timestamps for Key Moments:[00:00] Why pick-your-brain requests cost more than you think[00:03] Companion resource: Grow Your Consulting Business, Chapter 16[00:04] The two “Pick Your Brain” buckets[00:10] The less obvious cost of saying yes [00:15] How a successful business owner thinks about this differently[00:19] The PYB Protocol: deciding in advance, not in the moment[00:22] Filtering requests: the questions to ask before you say yes[00:24] What yes looks like and how to structure the conversation[00:26] How to say no without brushing people off[00:28] If you take the meeting: go in expecting something real[00:31] How to transition from pick-your-brain to a next step[00:32] Three steps to put this into actionResources Mentioned:Grow Your Consulting Business Book and Toolkit, Chapter 16. www.melisaliberman.com/bookFull Show Notes: https://shownotes.melisaliberman.com/episode-275Want More?Melisa's Books, Planners & Journals: https://linktr.ee/melisalibermanGet Melisa's Book: https://www.melisaliberman.com/bookVisit Melisa's Website: https://www.melisaliberman.com/Follow on LinkedIn: https://www.linkedin.com/in/melisa-libermanWant help achieving your consulting business goals? Melisa can help. Click here for more on coaching tailored to you as an independent consulting business owner.

Jennie and Leeza Gibbons continue their vulnerable conversation about caregiving with practical, practice-able resources like: how to create a "sanity sanctuary," protect your relationships and how to find five minutes to move. Plus, Leeza shares her transformative "5 More Strategy" to laugh more, move more, plan more, break more and connect more. Listen for your permission slip to breathe. Follow @IChooseMewithJennieGarth on Instagram and TikTokFollow @JennieGarth on Instagram, TikTok, and Facebook See omnystudio.com/listener for privacy information.

Send us Fan MailAI isn't coming for your practice—it's already here. In this quick-tip episode of the Private Practice Survival Guide, host Brandon Seigel shares a practical toolkit any practice owner can use to cut busywork, reduce no-shows, and scale results heading into 2026 and 2027. From HIPAA-compliant scheduling agents to documentation and scribing, content marketing acceleration, and analytics you can actually use, this episode shows you how to start small, move fast, and build compounding advantages. You'll also learn the essential guardrails—HIPAA, data security and sovereignty, informed consent, and human oversight—so you can deploy AI responsibly in healthcare.What You'll Learn:Why leveraging AI now helps practices thrive in 2026–2027Three quick wins: AI email responses, note summaries/transcriptions, and scheduling coordinationHow to adopt HIPAA-compliant AI scheduling agents and AI-powered reminders/two-way messagingPractical tools for documentation/scribing, content marketing, front-desk automation, and analyticsHow to build a reusable prompt swipe file and structure prompts with role, context, task, and formatGuardrails that matter: HIPAA, data security/sovereignty, informed consent, and human oversightTurning meetings into action with transcription and AI extraction for accountabilityChange management tips to train your team, reduce fear, and celebrate early winsPick one low-judgment, high-frequency task and run a two-week AI test—your future practice will thank you. #PrivatePractice #HealthcareAI #PracticeManagement #AIAutomation #HIPAAWelcome to Private Practice Survival Guide Podcast hosted by Brandon Seigel! Brandon Seigel, President of Wellness Works Management Partners, is an internationally known private practice consultant with over fifteen years of executive leadership experience. Seigel's book "The Private Practice Survival Guide" takes private practice entrepreneurs on a journey to unlocking key strategies for surviving―and thriving―in today's business environment. Now Brandon Seigel goes beyond the book and brings the same great tips, tricks, and anecdotes to improve your private practice in this companion podcast. Get In Touch With MePodcast Website: https://www.privatepracticesurvivalguide.com/LinkedIn: https://www.linkedin.com/in/brandonseigel/Instagram: https://www.instagram.com/brandonseigel/https://wellnessworksmedicalbilling.com/Private Practice Survival Guide BookThis show is proudly produced at PS Studios — learn more https://www.psstudios.co

In this episode, David McKnight addresses one of the biggest myths in retirement planning: once you retire, you need to dramatically reduce your exposure to stocks. The reason why most financial advisors recommend reducing stock exposure in retirement has very little to do with stocks and everything to do with sequence of returns risk. Sequence of returns risk is what happens when you're forced to withdraw money from your investment portfolio during a market downturn. If the market falls 30% and you're simultaneously taking withdrawals to pay for your living expenses, you're locking in losses and permanently impairing your portfolio's ability to recover. According to David, the way to solve this problem is by ensuring that your essential expenses are covered before you ever retire. When you're at least five years out from retirement, David believes that one of the most important decisions you can make is to create the so-called income floor. An income floor is a guaranteed stream of income that covers your basic living expenses regardless of what the stock market is doing. The volatility shield adds a second layer of protection that has to do with discretionary expenses (e.g., a trip around the world, taking the grandchildren to Disney World, etc.). Suze Orman has controversially recommended that retirees keep 3-5 years' worth of living expenses in a savings account, so they don't have to sell investments during a market downturn. While David agrees with the concept, he doesn't see savings accounts as the most efficient place to put that money in. Instead, he'd rather have retirees accumulate that money in a completely separate account (a volatility shield) – which, unlike a savings account, has the potential to grow 5-7% net fees over time. Looking for an alternative volatility shield? Look at cash value life insurance in the form of indexed universal life (IUL), says David. An Ernst & Young study found that retirees who included the volatility shield strategy and a guaranteed lifetime income annuity in the retirement plan were able to dramatically increase the sustainable withdrawal rate on their investment portfolio. Since the early 1990s, the gold standard on sustainable withdrawal rates has been 4%. The 4% Rule says that if you withdraw approximately 4% of your portfolio each year, there's a reasonably high chance that your money will last a full 30-year retirement. However, when retirees had access to a volatility buffer and could avoid taking distributions following market downturns, sustainable withdrawal rates increased dramatically (in some scenarios, up to 8%). David is a believer of the fact that the portfolio that got you into retirement can also take you through retirement – with a recommended 70% in U.S. stock market index funds and 30% in international stock market index funds. For David, the reason why this approach works well is that, with it, you solve the two biggest issues in retirement: income and volatility. Moreover, if you can position these assets inside tax-free accounts through strategic Roth contributions and Roth conversions, you gain protection against yet another threat, tax rate risk. David concludes by stressing that it is not that the buy-and-hold strategy doesn't work, it's that most retirees don't have the protection tools necessary to stay committed to the strategy when markets become turbulent.     Mentioned in this episode: David's new book: 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 Suze Orman Ernst & Young

I am delighted to have the privilege of reconnecting with Dr. Deb Matthew today. She joined me once before on Episode 259. She is a distinguished best-selling author, international speaker, and dedicated educator known as the Happy Hormone Doctor.  Cardiovascular disease is the number one killer of women in the United States, causing one of every 3.2 deaths among women annually. In our conversation today, Dr. Matthew and I delve into the realm of cardiovascular disease, exploring the benefits of hormone replacement therapy, essential laboratory testing, medications, and the neurocognitive changes that occur during perimenopause and menopause. We also focus on lifestyle, gut testing, and the all-time favorite topic: weight-loss resistance.  Stay tuned for today's engaging, enriching, and enlightening discussion with Dr. Deb Matthew. IN THIS EPISODE YOU WILL LEARN: How HRT reduces the risk of cardiovascular disease  How long-term use of estrogen can reduce the risk of heart disease over time Why you should do a hormone panel before starting HRT How cortisol levels impact cardiovascular health How the coronary calcium score helps to predict heart attack risk Cholesterol markers and their significance in cardiovascular risk assessment Managing cholesterol levels in perimenopausal women The importance of addressing underlying hormonal imbalances in women to mitigate cognitive decline and lipid disorders The connection between gut health and brain fog How women's testosterone levels impact their cognition and motivation Hormone imbalance and weight loss resistance in women  Connect with Cynthia Thurlow Follow on X, Instagram & LinkedIn Check out Cynthia's website. Submit your questions to support@cynthiathurlow.com  Join other like-minded women in a supportive, nurturing community: The Midlife Pause/Cynthia Thurlow.  Purchase Cynthia's book, The Menopause Gut. Cynthia's Intermittent Fasting Transformation Book The Midlife Pause Supplement Line Connect with Dr. Deb Matthew On her ⁠website⁠ ⁠Facebook⁠ ⁠Instagram⁠ Dr. Deb Matthew's book This is Not Normal on Amazon⁠  Previous Episode featuring Dr. Matthew ⁠Ep. 295: HRT's Impact on Women's Health Through Time with Dr. Deb Matthew⁠

What can psychologists do the make pilots and astronauts' decision making better under duress? Can we anticipate the psychological issues of planned long distance space missions to Mars? How can we shift the  shame culture for pilots and astronauts around reporting unidientified anomolous phenomena?In this episode we have the unique field of Space psychology to look into; So we discuss the psychology of military pilots and astronauts working under such extreme conditions; and the intuitive skill sets developed under such high pressure, split second decision situations; we discuss the cognitive engineering required to match the design of instruments to the cognitive needs of the pilots and astronauts; we get into alternatives methods of expertise exchange apart from the usual text book approach which have had extraordinary decision making results for pilot and astronaut performance. We also discuss the issues for pilots around reporting of UFO encounters, and the implications for space psychology of the new bout of main stream interest following the New York Times 2017 expose of military incidents.So who better to help us understand the minds of pilots and astronauts than space psychologist, cognitive engineer, astronaut instructor and Director of the Centre of Space Medicine at UCL in London, Dr. Iya Whitely. She's helped design training programs and conducted studies for the European Space Agency, The Gagarin Cosmonaut Training Centre in Russia, and presented he research for the USAirforce and Nasa. Dr. Whitely is also a pilot, rescue scuba diver and competitive sky diver! She's written 11 scientific papers, and three books, “Toolkit of a Space Psychologist, to support astronauts on exploration missions to the moon and mars”, “Earth Designs” for toddlers, and her new book “Born Knowing”, which we get onto at the end.What we discuss:00:00 Intro.05:30 Iya's path into Cognitive Engineering.18:35 Decision making research.28:00 Iya's method led to 200/cent increase in decision making speed.21:40 Professional intuition.43:00 Surgeon expertise transmission study55:45 Astronaut psychology - Alexei Leonov, first space walk near-disaster, 1965.01:06:00 ESA human, long-distance space flight study.01:13:00 Nature solves problems using resources available locally - Biomimetics, Dr Olga Bogatyreva.01:27:10 Mars 500: 520 day simulated Mars mission trial.01:31:30 Space colonisation psychology.01:40:40 Difficulty reintegrating with terrestrial society after missions to space.01:43:00 “The Overview Effect” when earth is seen from space.01:50:30 Taboo around reporting of anomolous phenomena for pilots and astronauts.01:53:15 Ryan Graves is speaking out in congress about repeated UFO safety concerns.02:01:00 Astronauts can't risk to speak about this as it will affect their careers.02:13:00 Navy have implemented a new reporting protocol and office, AARO.02:21:30 Iya at the Sol Foundation: Garry Nolan & Diana Pasulka.02:29:30 Pilot Jake Baba - reporting issue with the phenomena.02:39:10 Telepathic autistic children, called ‘spellers'. Diane Hennessy Powell research.02:47:00 These telepathic kids are also interracting with non-human intelligences.02:51:15 Non-verbal communication with toddlers.References:Iya Whiteley, “Born Knowing”.Iya Whiteley & Olga Bogatyreva, “Toolkit for a space psycholgist”.Iya Whiteley, “Earth designs” toddlers book.Gary A. Klein - professional intuition book “The Power of Intuition".Dr Olga Bogatyreva - ‘Biomimetics - its practice and theory'.Frank White, “The Overview Effect”.Whitley Strieber, “Communion”.Rick Srassman, “DMT The Spirit Molecule”.All domain Anomoloy Resoltions Office, AARO.2024 Paper on the UAP reporting system Occupational Safety and Reporting Guidance: Reviewing UAP ...Sol Foundation of Garry Nolan at Stanford, Scientific UAP research.Ky Dickens, Telepathy Tapes podcast and documentary film.

How do you build NPCs? One of the most central questions of running TTRPGs, but how do you answer it? The building of NPCs is very unique to the gamemaster you are, but there are some certain aspects of NPCs we all have to build but how do we build those aspects? Thats the NPC Toolkit, how do we build our NPCs to be used at our tables.Check here for all further information:You can find us on the Web under these Links: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.doubledm.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bsky.app/profile/doubledm.bsky.socialhttps://www.instagram.com/doubledmpod/?hl=de⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ko-fi.com/doubledm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠If you want to reach out to us via E-Mail use: doubledmpod@gmail.comOur Midroll Music is"Midnight Tale" Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 4.0 License ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://creativecommons.org/licenses/by/4.0/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Our Outro Music is"Ascending the Vale" Kevin MacLeod (imcompetech.com)Licensed under Creative Commons: By Attribution 4.0 License ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://creativecommons.org/licenses/by/4.0/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Hosted on Acast. See acast.com/privacy for more information.

In episode 365, Steve talks about affordable tools you can purchase to keep your home healthy. IAQ concerns can make everyone in the home sick. It's not uncommon to have only one or two people that are sick. We talk about humidity gauges, drip pans, IAQ monitors and several other tools. You can spend $100 for a few tools and you'll be able to recognize concerns in your home. Make sure you subscribe to our podcast and share this with family and friends. We appreciate all of you and hope you have a great week! Stay safe and stay well.

We fall on the sword where trunk supplies are concerned, but get back on the road anyway. Outdated tires come around to bite us again, and we give a bunch of good tips on how to make your cars A/C blow colder. on You Tube: https://youtu.be/vpxxZO4XoJg

In this episode, Lisa talks with Maya Bundesen-Magier, occupational therapist, mother of two, and founder of MapMyMilk, a digital tool created to help breastfeeding families track maternal diet and infant symptoms with more clarity.Maya shares how her own experience with food reactivity in her babies led her to create a better way for families and providers to look for patterns without relying on fear, extreme elimination diets, or guesswork.Lisa and Maya cover the overlap between tongue tie symptoms and food reactivity, including reflux, fussiness, poor sleep, stool changes, breast refusal, and feeding discomfort. They also talk about why symptoms should not be viewed in isolation, and why a functional, whole-baby approach matters before assuming that one issue explains everything.This conversation highlights the importance of clinical integrity, individualized care, and using better tools to support breastfeeding families who are trying to understand what is really going on with their baby.In this episode, Lisa and Maya discuss:Why food reactivity and tongue tie symptoms can overlapHow MapMyMilk helps families track food intake and infant symptomsWhy extreme elimination diets can leave parents feeling afraid to eatThe importance of looking at patterns instead of guessingWhy a tongue tie release may not resolve symptoms if food reactivity is also presentThe role of IBCLCs and other trained providers in helping families sort through complex symptomsWhy data, clinical support, and individualized care matterFind out more at https://www.mapmymilk.com/ Use code TONGUETIE20 for 20% off either our monthly subscription (regularly $7.99) or lifetime access (regularly $54.99).More from Tongue Tie ExpertsExplore additional resources, including downloads, free guides, and links mentioned in this episode—along with access to our courses and new book:

In this Huberman Lab Essentials episode, I discuss science-supported tools to improve sleep by supporting a healthy circadian rhythm using key behaviors and environmental cues. I explain specific morning, afternoon and evening behaviors that will increase daytime alertness and support deeper, more consistent sleep at night. I also cover sleep supplements, the effects of caffeine, alcohol and THC on sleep, as well as practical strategies for managing jet lag and shift work. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman LMNT: https://drinklmnt.com/huberman Eight Sleep: https://eightsleep.com/huberman Timestamps (00:00:00) Sleep Toolkit (00:00:21) Optimal Cortisol Rhythms, Tool: View Morning Sunlight (00:03:44) Morning Sunlight Guide, Artificial Light, Cloudy Days (00:08:04) Sponsor: Eight Sleep (00:09:22) Morning & Body Temperature, Tools: Deliberate Cold Exposure, Exercise (00:11:38) Morning: Caffeine Timing (00:13:22) Morning: Meal Timing & Alertness (00:15:36) Circadian Clock; 3 Daily Critical Periods (00:17:10) Afternoon: Caffeine, Naps, Exercise (00:19:34) Tool: Late Afternoon/Evening Sunlight (00:21:41) Sponsor: AG1 (00:23:00) Evening Tools: Artificial Lights; Hot Tub/Sauna, Bedroom Temperature (00:26:40) Alcohol, THC & Effects on Sleep (00:27:39) Sleep Supplements: Magnesium Threonate, Apigenin & Theanine (00:31:03) Caution for Melatonin Supplementation (00:31:41) Sponsor: LMNT (00:33:13) Weekends, Tool: Consistent Sleep Schedule (00:34:00) Jet Lag, Tool: Temperature Minimum (00:37:41) Shift Work, Tool: Red Light (00:38:30) Recap Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices

This show is made possible thanks our members! To become a sustaining member go to https://LauraFlanders.org/donate   Thank you for your continued support! Description:  In a time of climate catastrophe, genocide, mass incarceration and political turmoil, people need to work together – better! That's why lifelong activist Dean Spade has written “Love in a F*ed Up World: How to Build Relationships, Hook Up, and Raise Hell, Together”. Which tools can help people and social justice movements face conflict and emerge stronger (rather than weaker)? Which stories do we tell ourselves that aren't helping us think — or act — in our best interest? In this timely conversation, Spade shares tips on how we might get our interpersonal houses in order so that we're better equipped to show up for others and the causes we care about. Spade is a lawyer, educator, and author of “Mutual Aid: Building Solidarity During This Crisis (and the Next)”, and “Normal Life: Administrative Violence, Critical Trans Politics and the Limits of the Law”. He's the director of “Pinkwashing Exposed: Seattle Fights Back!”, and in 2002 he founded the Sylvia Rivera Law Project in New York City, a law collective that provides free legal services to trans and gender non-conforming people who are low income and/or people of color. He has useful things to say about romance too, which are worth bearing in mind, as the Valentine's marketing crush hits, as Laura reflects in her commentary. “. . . Most of us are taking in all the bad news by ourselves through a screen . . . One of the best things we can do to support our own wellbeing through the overwhelm is be with others, joining any kind of project in our communities, a creative project, a mutual aid project . . .” - Dean Spade“The typical self-help genre is very focused on the individual. It doesn't contextualize the kinds of suffering that everyone's going through in a broader feminist analysis, anti-capitalist analysis, anti-racist analysis . . . If we understand that our individual suffering is a bunch of bigger scripts, . . . it can be a little bit freeing.” - Dean Spade   Guest:  Dean Spade, Author, “Love In A F*cked-Up World: How To Build Relationships, Hook Up, And Raise Hell Together”, “Mutual Aid: Building Solidarity During This Crisis (and the Next)” and more.   Watch the broadcast episode cut for time at our YouTube channel and airing on PBS stations across the country  Subscribe to episode notes via Patreon   Music In the Middle:  “We are Rising” by activist, singer and songwriter, Taína Asili.  She created the song for One Billion Rising's 2020 global campaign..  And additional music included- "Steppin"  and "All The Ways" by Podington Bear. RESOURCES: Recommended book: “Love In A F*cked-Up World: How To Build Relationships, Hook Up, And Raise Hell Together” by Dean Spade, *Learn more here (*Bookshop is an online bookstore with a mission to financially support local, independent bookstores. The LF Show is an affiliate of bookshop.org and will receive a small commission if you click through and make a purchase.) Related Laura Flanders Show Episodes: • The New Transgender Movement: Race, Poverty, Gender, Policing, and Pinkwashing, Watch ​​•  Emergent Strategies for Abolition: Andrea J. Ritchie's Toolkit for Activists: Watch / Download Podcast •  Mariame Kaba: Rooting Out Our Culture of Harm: Watch / Download Podcast: Episode & Full Uncut Conversation •  adrienne maree brown: Pleasure Activism and Black Women's Legacy of Joy, Watch (06:58) / Download Podcast:  Full Uncut Conversation (37:20)   Related Articles and Resources: •  Our Best Option for Defending Ourselves From Trump's Second Term Is Each Other, by Dean Spade, November 12, 2024, TruthOut • Checking in with Dean Spade (ep181), December 9, 2024, Gender Reveal Podcast •. “The Mask Is Off:”  Dean Spade and Susan Stryker on Trans Resistance in Trump's America, by Them, December 18, 2024, Them.us Laura Flanders and Friends Crew: Laura Flanders-Executive Producer, Writer; Sabrina Artel-Supervising Producer; Jeremiah Cothren-Senior Producer; Veronica Delgado-Video Editor, Janet Hernandez-Communications Director; Jeannie Hopper-Audio Director, Podcast & Radio Producer, Audio Editor, Sound Design, Narrator; Sarah Miller-Development Director, Nat Needham-Editor, Graphic Design emeritus; David Neuman-Senior Video Editor, and Rory O'Conner-Senior Consulting Producer. FOLLOW Laura Flanders and FriendsInstagram: https://www.instagram.com/lauraflandersandfriends/Blueky: https://bsky.app/profile/lfandfriends.bsky.socialFacebook: https://www.facebook.com/LauraFlandersAndFriends/Tiktok: https://www.tiktok.com/@lauraflandersandfriendsYouTube: https://www.youtube.com/channel/UCFLRxVeYcB1H7DbuYZQG-lgLinkedin: https://www.linkedin.com/company/lauraflandersandfriendsPatreon: https://www.patreon.com/lauraflandersandfriendsACCESSIBILITY - The broadcast edition of this episode is available with closed captioned by clicking here for our YouTube Channel

David McKnight kicks this episode off by explaining how, for decades, conventional financial wisdom has been saying that, as you approach retirement, you should begin dialing down your stock exposure and increasing your bond allocation. A 60-year-old, for example, would have 40% of their portfolio in stocks and 60% in bonds.  Historically, bonds served three primary functions: They provided income, they reduced portfolio volatility, and they protected retirees from so-called sequence of returns risk. David touches upon how the sequence of returns risk works. Retirees who get hit early often run out of money earlier – in some cases, even 15 years prior to life expectancy. The old approach to retirement planning assumes that bonds could provide meaningful returns while still acting as a stabilizer. However, recent years have shown that bonds are not risk-free. Back in 2022, for instance, the Bloomberg U.S. Aggregate Bond Index lost 13%. Long-term treasuries did even worse, as many lost between 25 to 30% due to rapidly rising interest rates. David stresses that an annuity can do something bonds cannot do: It can guarantee income that you cannot outlive. It's important to realize that whenever your basic living expenses are covered, something profound happens psychologically: You stop depending on your investment portfolio to solve every problem. Furthermore, you feel as if you now have permission to spend. Studies show that those who have guaranteed lifetime income spend 22% more than those who rely strictly on a stock bond portfolio. A properly funded IUL can create a pool of tax-free money that's insulated from stock market loss and available during downturns. David unpacks a strategy that can increase the sustainable withdrawal rate on your stock portfolio from 4% to as high as 8% with a 95% success rate. When you combine guaranteed lifetime income from annuities with a volatility shield in the form of IUL, you are no longer reliant on bonds, says David. He also touches upon why retirees who adopt the no-bond power of zero approach begin to take a lot more risk in their stock market allocations. David wraps things up by sharing insights on what retirees should think about and do to increase the likelihood that, in retirement, their money will last as long as they do.     Mentioned in this episode: David's new book: 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 Bloomberg U.S. Aggregate Bond Index

Want to spend less time managing your resale business and more time finding profitable inventory? In this episode, Maggie sits down with Kelly Handley and Ryan Moore of Ultimate Thrifting to discuss the reseller toolkit they created to help sellers track inventory, monitor profits, simplify tax season, and save hours every week. You'll learn how successful resellers stay organized, use AI-powered tools to speed up listings, make smarter sourcing decisions, and build a more profitable resale business on platforms like Poshmark and eBay.   SHOW NOTES Kelly and Ryan discuss building a more professional, scalable approach to thrifting and resale. Ryan's transition from running a global software company into developing systems and tools for the resale industry. They discuss how their partnership combines hands-on resale expertise with operational and technical strategy. Why successful reselling requires reducing cognitive overload through systems, routines, and automation. Using AI-powered tools to automate listing descriptions, market research, and repetitive backend tasks. The role of AI in saving time while still allowing resellers to focus on sourcing and decision-making. Advice for resellers to avoid "buying from the heart" and instead rely on sold comps and resale data. The importance of checking market demand and profitability before purchasing inventory.

Andrew DeYoung returns to the Filmmaker Toolkit Podcast to discuss his new HBO series with Tim Robbins. DeYoung talks frankly about how budget limitations lead to the series' visual creativity, his process with Robbins, and how make an internet rabbit hole interesting on screen. Andrew DeYoung's Toolkit episode on "Friendship" - https://open.spotify.com/episode/3AR0dIo2bvRvk6mG4YgFD6?si=e80d0f2af093409e Read our review of "The Chair Company" - https://www.indiewire.com/criticism/shows/the-chair-company-review-tim-robinson-hbo-series-1235154393/?v3=true Learn more about your ad choices. Visit megaphone.fm/adchoices

When everything is shifting — a restructure, a board crisis, a project on the edge of collapse, or just the relentless uncertainty of leading a team through sustained change — the expectation is that you hold it together. You stay steady. You have the answers. But nobody tells you how. In this episode of Leading Women in Tech, Toni Collis builds out the adaptive leadership toolkit every senior leader needs for navigating a genuine crisis — not the kind of crisis leadership that sounds good in a conference keynote, but the practical, honest, unglamorous work of staying grounded when everything around you is shifting. This is not about eliminating the pressure. It is about developing the specific capabilities that let you remain clear, present, and effective within it. What's covered: Why crisis leadership is a trainable capability, not a personality trait — and why the unruffled leader you're comparing yourself to is a fiction The team-speed problem: why your team is not where you are emotionally, and what it actually means to meet people where they are Crisis communication as a leadership skill — not just a PR function. The specific language that calms, orients, and aligns your team when they're in crisis mode. And why you need to say it far more times than you think The internal dimension: staying grounded in yourself before you can hold space for anyone else Protecting decision quality when the stakes are highest — the difference between genuine urgency and anxiety-driven urgency The blame game, why a crisis is never the time to play it, and the story from early in Toni's career that has stayed with her ever since The isolation of senior leadership in a crisis — and the structural responses that make it manageable  Related episodes:  Episode 170 - Does it have to be lonely at the top? Drawing the line between being a boss and a friend Episode 243 - Struggling to Be Heard? Master Leadership Communication Strategies and Coach Upwards Episode 248 - Recognizing the Signs: Identifying Early Indicators of Burnout Episode 250 — Leading Through Change Episode 274 - How to Stop Overthinking at Work: Tools for Clear, Confident Leadership Decisions. Episode 278 - When No One Listens — How to Lead When Your Voice Isn't Heard Episode 294 — Burnout-Proof Leadership  Episode 298 - When the Stakes Are High, Does Your Voice Go Quiet? How to Communicate With Clarity Under Pressure  Ready to work through a genuinely difficult period with support? Book a strategy call: tonicollis.com/lets-chat  

On this episode: Lucy Lopez, Elizabeth Newcamp, and Zak Rosen are going to be taking a summer break after the June 11 episode. But fear not, they are still here to be your guides to a great summer. They swap ideas for keeping kids entertained without losing your sanity - from making play time a neighborhood affair to where to find the best summer deals. But first they have a round of triumphs and fails that include a school refusal you have to respect. This week on the Plus Playground: Tips to avoid the Summer Slide.Don't forget to subscribe to Best Mom Friends Forever! Podcast production by Cheyna Roth and Rosemary Belson.Follow us on YouTube! Join us on Facebook and email us at careandfeedingpod@slate.com to ask us new questions, tell us what you thought of today's show, and give us ideas about what we should talk about in future episodes. You can also call our phone line: (646) 357-9318.If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get to hang out with us on the Plus Playground every week for a whole additional grab-bag of content — and you'll get an ad-free experience across the network. And you'll also be supporting the work we do here on Care and Feeding. Sign up now at slate.com/careplus – or try it out on Apple Podcasts.Need to set up your Slate Plus feed? If you subscribed through Slate.com, check out our FAQ at slate.com/podcastfaqs for easy instructions. Members subscribed via Apple Podcasts get automatic access—no setup required. Hosted on Acast. See acast.com/privacy for more information.

On this episode: Lucy Lopez, Elizabeth Newcamp, and Zak Rosen are going to be taking a summer break after the June 11 episode. But fear not, they are still here to be your guides to a great summer. They swap ideas for keeping kids entertained without losing your sanity - from making play time a neighborhood affair to where to find the best summer deals. But first they have a round of triumphs and fails that include a school refusal you have to respect. This week on the Plus Playground: Tips to avoid the Summer Slide.Don't forget to subscribe to Best Mom Friends Forever! Podcast production by Cheyna Roth and Rosemary Belson.Follow us on YouTube! Join us on Facebook and email us at careandfeedingpod@slate.com to ask us new questions, tell us what you thought of today's show, and give us ideas about what we should talk about in future episodes. You can also call our phone line: (646) 357-9318.If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get to hang out with us on the Plus Playground every week for a whole additional grab-bag of content — and you'll get an ad-free experience across the network. And you'll also be supporting the work we do here on Care and Feeding. Sign up now at slate.com/careplus – or try it out on Apple Podcasts. Hosted on Acast. See acast.com/privacy for more information.

This month on Laura Flanders and Friends, we're revisiting conversations around solidarity, kinship and what it means to be human.  This week Dean Spade shares tips for putting our interpersonal houses in order so that we're better equipped to show up for others and the causes we care about. This show is made possible thanks our members! To become a sustaining member go to https://LauraFlanders.org/donate   Thank you for your continued support! Description:  In a time of climate catastrophe, genocide, mass incarceration and political turmoil, people need to work together – better! That's why lifelong activist Dean Spade has written “Love in a F*ed Up World: How to Build Relationships, Hook Up, and Raise Hell, Together”. Which tools can help people and social justice movements face conflict and emerge stronger (rather than weaker)? Which stories do we tell ourselves that aren't helping us think — or act — in our best interest? In this timely conversation, Spade shares tips on how we might get our interpersonal houses in order so that we're better equipped to show up for others and the causes we care about. Spade is a lawyer, educator, and author of “Mutual Aid: Building Solidarity During This Crisis (and the Next)”, and “Normal Life: Administrative Violence, Critical Trans Politics and the Limits of the Law”. He's the director of “Pinkwashing Exposed: Seattle Fights Back!”, and in 2002 he founded the Sylvia Rivera Law Project in New York City, a law collective that provides free legal services to trans and gender non-conforming people who are low income and/or people of color. He has useful things to say about romance too, which are worth bearing in mind, as the Valentine's marketing crush hits, as Laura reflects in her commentary. “. . . Most of us are taking in all the bad news by ourselves through a screen . . . One of the best things we can do to support our own wellbeing through the overwhelm is be with others, joining any kind of project in our communities, a creative project, a mutual aid project . . .” - Dean Spade“The typical self-help genre is very focused on the individual. It doesn't contextualize the kinds of suffering that everyone's going through in a broader feminist analysis, anti-capitalist analysis, anti-racist analysis . . . If we understand that our individual suffering is a bunch of bigger scripts, . . . it can be a little bit freeing.” - Dean Spade   Guest:  Dean Spade, Author, “Love In A F*cked-Up World: How To Build Relationships, Hook Up, And Raise Hell Together”, “Mutual Aid: Building Solidarity During This Crisis (and the Next)” and more.   Watch the episode cut airing on PBS stations across the country at our YouTube channel Subscribe to episode notes via Patreon   Related Laura Flanders Show Episodes: • The New Transgender Movement: Race, Poverty, Gender, Policing, and Pinkwashing, Watch ​​•  Emergent Strategies for Abolition: Andrea J. Ritchie's Toolkit for Activists: Watch / Download Podcast •  Mariame Kaba: Rooting Out Our Culture of Harm: Watch / Download Podcast: Episode & Full Uncut Conversation •  adrienne maree brown: Pleasure Activism and Black Women's Legacy of Joy, Watch (06:58) / Download Podcast:  Full Uncut Conversation (37:20) Related Articles and Resources: •  Our Best Option for Defending Ourselves From Trump's Second Term Is Each Other, by Dean Spade, November 12, 2024, TruthOut • Checking in with Dean Spade (ep181), December 9, 2024, Gender Reveal Podcast •. “The Mask Is Off:”  Dean Spade and Susan Stryker on Trans Resistance in Trump's America, by Them, December 18, 2024, Them.us Laura Flanders and Friends Crew: Laura Flanders-Executive Producer, Writer; Sabrina Artel-Supervising Producer; Jeremiah Cothren-Senior Producer; Veronica Delgado-Video Editor, Janet Hernandez-Communications Director; Jeannie Hopper-Audio Director, Podcast & Radio Producer, Audio Editor, Sound Design, Narrator; Sarah Miller-Development Director, Nat Needham-Editor, Graphic Design emeritus; David Neuman-Senior Video Editor, and Rory O'Conner-Senior Consulting Producer. FOLLOW Laura Flanders and FriendsInstagram: https://www.instagram.com/lauraflandersandfriends/Blueky: https://bsky.app/profile/lfandfriends.bsky.socialFacebook: https://www.facebook.com/LauraFlandersAndFriends/Tiktok: https://www.tiktok.com/@lauraflandersandfriendsYouTube: https://www.youtube.com/channel/UCFLRxVeYcB1H7DbuYZQG-lgLinkedin: https://www.linkedin.com/company/lauraflandersandfriendsPatreon: https://www.patreon.com/lauraflandersandfriendsACCESSIBILITY - The broadcast edition of this episode is available with closed captioned by clicking here for our YouTube Channel

A recent landmark study from BlackRock caught David McKnight – he shares what it was all about and why you should care in this new episode of the Power of Zero Show. For decades, Americans were told that if they simply contributed faithfully to their 401(k) and avoided emotional decisions during market downturns, they would have enough money in retirement. According to the BlackRock study, retirees who incorporated guaranteed lifetime income in the form of an annuity into their retirement portfolio experienced an average increase of 22% in potential retirement spending. That number became approximately a 25% increase for lower income retirees! The increase came primarily from giving retirees greater confidence to spend money because a portion of their retirement income was guaranteed for life. David explains that, while 30 or 40 years ago retirees could rely on company pensions that provided predictable monthly income for life, the modern retirement system has shifted enormous responsibility onto the shoulders of ordinary Americans. Employers used to bear the responsibility for generating the income stream and ensuring that retirees did not outlive their money.  Today, however, pensions have all but disappeared, and most Americans now rely on 401(k) or other tax-qualified retirement plans. One of the big problems is the fact that such tax-affirmed accounts can help you build wealth, but don't come with instructions on how to make sure your money lasts a full 30-year retirement. The BlackRock study echoes something that David has stressed several times on the show: retirees spend more when at least a portion of their retirement income is guaranteed. David clarifies that when he talks about guaranteed lifetime income, he does not suggest retirees place all of their assets into annuities or eliminate market exposure altogether. David talks about 100% stock allocation and why you can be much more aggressive in your stock market allocation once you create an income floor in retirement. The current status quo of the American fiscal system – and exploding national debt – appears to be painting a picture where future tax rates will be significantly higher than they are today. David is a strong advocate for tax-free investment accounts in retirement. In particular, he points to six different tax-free income streams: Roth IRAs, Roth 401(k)s, Roth conversions, RMDs up to standard deductions, certain types of cash value life insurance as a volatility shield in retirement and, if you can keep your provisional income low enough, your Social Security can be 100% tax-free. David touches upon a strategy that can give you guaranteed tax-free income for life. The old retirement model gave Americans confidence through company pensions. The modern model requires retirees to create their own personal private pension in the form of an annuity. It's important to understand that retirement isn't just about accumulating wealth, but also about creating a stream of lifetime income that's guaranteed to last as long as you do. David concludes by explaining what retirement planning should accomplish beyond merely maximizing account balances.     Mentioned in this episode: David's new book: 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 BlackRock BlackRock's paper Who Benefits From Guaranteed Lifetime Income?

Text your thoughts and questions!The halfway point of the year brings up a mix of thoughts, from wondering where the time went to figuring out what comes next. Maybe your January intentions are thriving, or perhaps they quietly dissolved back in February, leaving you with low-grade guilt while you scrambled to stay busy.January 1st is an arbitrary date driven by culture rather than internal readiness. Forcing yourself to overhaul habits during the darkest, coldest, most energy-depleted stretch of the year forces your recovering nervous system to sprint when it naturally wants rest.June offers a perfect opportunity to check in and choose to change. Instead of relying on predictions or hopes, you now have six months of real data to assess what actually got your attention, where your energy went, and how to look both backward and forward at the same time.This week, episode 316 of the Positively Living® Podcast shares a simple, three-question framework to help you pause, clear out what isn't serving you, and make a sustainable plan on your own terms.Key Takeaways:Realize that sustainable change requires adequate energy and internal readiness, not just an arbitrary calendar date during winter depletion .Use the halfway mark of the year to work with actual factual information about your habits instead of relying on predictions or guesses .Name your systems and small wins without rushing through them, because identifying what went right shows you the conditions that helped you thrive .Identify where plans fell apart and look closely at the root cause, whether it was wrong timing, over-planning, or a lack of capacity .Choose how you want to feel or who you want to be over complex, rigid goals when your next immediate steps are unclear .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:Episode 136: Reflections Instead of ResolutionsEpisode 242: A Reverse Approach to Better Achieve Your GoalsBook a Clarity Call(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.

Today's episode of The Power of Zero Show revolves around a question host David McKnight gets asked all the time: "Should I still be doing Roth conversions in my 60s, even if I'm already retired?" In short, David believes that you should not only do a Roth conversion in your 60s, it's actually one of the most optimal times in your entire life to do it. When doing a Roth conversion, you're choosing to pay the IRS its portion of your IRA now, on your terms, instead of paying it a much larger portion later, on their terms. That's why Roth conversions don't only make sense for younger people but for retired folks too. Remember: with Roth conversions, you're not catching up because you're not behind. You're locking in a lower tax rate today to avoid a much higher tax rate down the road. David explains why the so-called "retirement income valley" is a strategically perfect time to do a Roth conversion. The 32% tax bracket is David's least favorite tax bracket, which he recommends avoiding at all costs when doing Roth conversions. David touches upon the Penn Wharton Budget Model and why 2040, or so, will be the do-or-die date for these matters. What if you don't have extra cash sitting around? Would you still need to pay the taxes on your Roth conversion out of pocket? David illustrates what you can do if you find yourself in that situation. David goes over why you should want to get as much of your IRA into Roth as you possibly can – and what's the beauty of doing that in your 60s.     Mentioned in this episode: David's new book: 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 Congressional Budget Office Penn Wharton Budget Model

View the Show Notes Page for This Episode Become a Member to Receive Exclusive Content Sign Up to Receive Peter's Weekly Newsletter In this episode, Peter explores one of the most foundational topics underlying nearly everything discussed on the podcast: how to think scientifically. Framed as an introspective deep dive, he examines why scientific thinking is inherently difficult for humans, the cognitive biases and tendencies that make it challenging to separate belief from evidence, and why these challenges are even more consequential in today's environment saturated with misinformation. He also offers a framework for improving our ability to evaluate claims, question assumptions, and identify a personal panel of experts, providing listeners with practical tools to become more disciplined and effective thinkers. We discuss: Topics to be covered and goals for this episode [2:00]; Scientific thinking: hypotheses, uncertainty, and the process of ruling out explanations [3:45]; How scientific knowledge differs from mathematical proof: useful approximations, evolving evidence, and acting under uncertainty [8:00]; Why scientific thinking is difficult: evolution, social instincts, and the need for deliberate practice [13:30]; Systems and tools designed to correct human bias [18:15]; How to think scientifically pt. 1: Notice when you're feeling certain [20:30]; How to think scientifically pt. 2: Judge the process, not just the conclusion [23:00]; How to think scientifically pt. 3: Notice when identity is shaping your beliefs [28:15]; How to think scientifically pt. 4: Don't confuse criticism with understanding [33:45]; How to think scientifically pt. 5: Outsource your thinking carefully [36:15]; Evaluating who to trust: incentives, consensus, and red flags in scientific credibility [45:15]; Science as a self-correcting system: why updating with evidence is a strength, not a weakness [49:00]; The key principles of scientific thinking, and a practical framework for evaluating claims and improving judgment [50:45]; and More. Connect With Peter on Twitter, Instagram, Facebook and YouTube