Podcasts about toolkit

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.

Under the Green Climate Fund Readiness Project, national coordinators validate a specialized toolkit to help micro, small, and medium enterprises identify risks, scale up climate-smart innovations, and manage drought conditions.

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

Heads up before you dive in: This episode talks openly about depression, anxiety, and panic attacks. If any of that feels heavy for you right now, it's okay to come back to this when you're ready, or listen with someone you trust nearby. Depression doesn't always look the way you've been told it looks. Sometimes it shows up as a slow heaviness. Sometimes it shows up as a loop in your head you can't seem to climb out of. Sometimes it shows up as isolation, exhaustion, or the feeling that nothing you do is going to matter. Wherever it shows up for you, this episode is for you. Today's guest is Brian Sachetta, an author, blogger, and mental health advocate behind Get Out of Your Head, a brand and book series that helps people work through anxiety and depression with practical, everyday tools. Brian spent years navigating his own anxiety and depression, and now uses what he learned to help others build a toolkit that actually fits their life. In this episode you'll hear why resisting your own anxiety or depression often makes it louder, the biopsychosocial model and how depression can come from biological, psychological, and social factors all at the same time, why depression works as a positive feedback loop (the kind that builds on itself, not the kind that lifts you up), and the simple lifestyle tools Brian leans on the most. Plus the single most important first step when you feel like you can't tell anyone what's going on. Why depression often shows up alongside anxiety and what it actually feels like from the inside Why trying to banish your anxiety or depression altogether usually backfires The biopsychosocial model and how to use it to look at your own life Why depression is a positive feedback loop and what it takes to start reversing it How alignment with what you actually want protects your mental health (not what your schedule or other people say you should want) Why exercise can be as effective as medication for many people according to research The Albert Einstein quote that explains why overthinking your way out of a spiral doesn't work How the amygdala and prefrontal cortex get hijacked during a depressive or anxious moment Why omega 3 fatty acids matter for mood and how to bring more of them into your day The one most important first step when you feel like you can't talk to anyone Parents: This episode is a great listen if your teen has been quieter than usual, more withdrawn, struggling with their mood, or showing signs of anxiety or depression. Brian breaks down what depression actually is in plain language, why it builds on itself, and the small daily tools that can start to shift things. He also makes a clear case for why your teen needs at least one trusted adult to start the conversation with, and offers a hopeful frame they can come back to over and over. Listen with your teen if you can, or send it to them with a short note that lets them know you're here for the conversation. Ready to support your teen through what they're navigating right now? Book a free clarity call with Leslie at leslierosecoaching.com/chat to talk through where they're at and what kind of support would actually help.   Connect with Brian: Website: https://getoutofyourhead.com/ Instagram: https://instagram.com/getoutofyourhead Facebook: https://www.facebook.com/getoutofyourheadbooks First book (on managing anxiety): https://www.amazon.com/gp/product/B07L5Z6V75 Second book (on managing depression): https://www.amazon.com/gp/product/B09KQ4FLBW   Connect with Leslie: Parents: Schedule a free Clarity Call with Leslie here to help your teen or young adult resolve weight and unhealthy eating habits, while improving body image and self-esteem.   Grab Leslie's free guide: 5 Ways to Help Your Teen Eat Better Without Making Things Worse Website: leslierosecoaching.com Instagram: instagram.com/leslierosecoaching Facebook: facebook.com/leslierosecoaching Disclaimer  

How can healthcare organizations better support professionals in recovery—and help them seek assistance before substance use disorder impacts their lives, patients, or careers?In this episode of Drug Diversion Insights, Terri is joined by Kristin Waite-Labott and Dr. April Lenzmeier to discuss a powerful new resource designed to help healthcare organizations establish and strengthen peer support and recovery programs.Kristin, who previously shared her own recovery journey on the podcast, co-chaired the IHFDA committee responsible for developing the Peer Support & Recovery Toolkit. Together with Dr. Lenzmeier, co-founder of the National Association of Peer Support for Nurses (NAPSN), they discuss how organizations can leverage existing best practices instead of building programs from scratch.In this episode, we explore:• Why peer support is a critical component of recovery• The importance of reaching healthcare professionals before a crisis occurs• How organizations can create recovery-friendly cultures• The value of lived experience in supporting colleagues• Common barriers to implementing peer support programs• How NAPSN is helping expand peer support resources nationwide• Practical ways healthcare organizations can use the toolkit to strengthen their programsDownload the IHFDA Peer Support & Recovery ToolkitWhether you're a healthcare leader, diversion specialist, nurse leader, pharmacist, compliance professional, or someone passionate about workforce wellbeing, this episode offers practical guidance for building systems that support recovery while protecting patients.Sometimes the best solution isn't to build something new—it's to borrow what's already working.More from Rxpert Solutions

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.

In Episode 154 of A Teacher's Toolkit for Literacy, hosts Sharon and Phil sit down with classroom teachers De and Danielle to explore the fourth pillar of effective writing instruction: mastery through high-impact teaching. The conversation digs into the practical strategies that move students beyond basic competence and into genuine craft. De and Danielle introduce the master class as one of their most powerful tools — a short, targeted small-group session that runs alongside whole-class mini lessons. Unlike traditional remediation groups, master classes are open to every student. Stronger writers are extended and challenged while emerging writers receive focused support. Sessions are invitational, allowing students to come and go freely, which creates genuine engagement and builds trust between teachers and learners. Mentor texts sit at the centre of every unit De and Danielle teach. Rather than simply reading books aloud, they pull texts apart with students — examining structure, vocabulary, and authorial choices — and keep them accessible throughout the writing process as living models. Books by authors such as Gary Crew, Philip Bunting, and Tristan Bancks are chosen because they intrigue both teachers and students alike, and because they serve the classroom reading life well beyond the writing unit itself. Access to published authors adds another dimension to the programme. When authors visit — in person or via Zoom — writing becomes tangible and real for students. The class's encounter with Gary Crew is a standout moment, with students surprising even the author himself with the depth of their insight. Explicit instruction ties everything together. De and Danielle move through the I do / We do / You do cycle quickly, ensuring students reach independent practice in every lesson. Student Peyton's interview closes the episode powerfully, describing how being asked to restart a major piece from scratch becomes the turning point that transforms her understanding of planning, word choice, and revision. JOIN TEACHIFIC NOW AND SAVE! Join Teachific  today. Access thousands of resources and a growing number of 'anytime' courses within your membership. FURTHER INFORMATION Tune in to "Teacher's Tool Kit For Literacy," a free podcast where accomplished literacy educator Sharon Callen and her team share valuable insights and tips. With over 30 years of experience, they provide strategic learning solutions to empower teachers and leaders worldwide.  Subscribe on your favourite platform for exclusive literacy learning content.  Apple, Spotify,  Google, YouTube Read our insightful blogs, which make valuable connections between resources, podcasts and courses. Visit our Cue Learning website and sign up for the Teacher's Toolkit Weekly newsletter to stay updated on resources, events and discover how Cue can support you and your school. Explore Teachific, our vast collection of PDF resources, to enhance your teaching toolkit. And get even more support from our growing number of 'anytime' online courses. Connect with the latest news and other educators by joining our Teacher's Toolkit Facebook group Explore upcoming live or online webinar  events Have questions or feedback? Reach out to us directly at admin@cuelearning.com.au

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

Podcasts are a popular educational tool that can be used to deliver content in asynchronous online education. Creating the content and accompanying learning activities, however, can be time consuming for faculty. Dr. Becky Carson has an innovative podcast, The Peds NP, that delivers content via microlearning podcasts on focused topics. She discusses a project she completed with colleagues to demonstrate that this podcast series can be used in a flipped classroom paired with learner-centric activities to address curricular gaps and deliver graduate nursing competency-based education. If interested in developing educational podcasts, be sure to access evidence- based standards to guide podcast production.  

In this episode of The Grand Balance, working grandmas Angela and Sharon discuss toddler tantrums, emotional regulation, attention-seeking behavior, and expert-backed strategies for handling meltdowns calmly. Plus, real-life stories about balancing family, caregiving, travel, health, and the chaos of modern grandparenting. Episode Notes:  Sharon's Fabulous Find: Roe Powder Sunscreen Impulse: Brain Training App  

Text your thoughts and questions!If Sundays elicit a sense of dread or a creeping feeling of anxiety that builds as the day progresses, you are experiencing a very real psychological phenomenon known as the Sunday scaries. This anticipatory anxiety occurs when your brain projects into the unknown of the week ahead and treats that uncertainty like an immediate threat. Data shows you are genuinely not alone—recent studies from early 2026 reveal that a massive 88% of Americans experience this weekly dread.The good news is that you cannot simply logic your nervous system into relaxing, but you can take action. Taking small, deliberate steps interrupts the mental spiral, grounds your brain in the present, and allows you to reclaim your weekend.This week, episode 315 of the Positively Living® Podcast maps out a calm, intentional, and minimal weekly reset strategy that eases the transition back into your routine on your own terms.Key TakeawaysUnderstand Anticipatory Anxiety: Sunday dread is a physical threat response triggered by your brain projecting into an uncertain weekly schedule.Interrupt the Spiral: Small, intentional actions shift your brain away from worst-case future scenarios and ground you in the present.Establish a Calm Space: Clear your immediate environment before you plan, as visual clutter leads directly to cluttered thinking.Unplug for Clear Focus: Turn off all phone notifications for just five to ten minutes to allow your nervous system to focus without distraction.Empty Your Mental Storage: Complete a pen-and-paper mind sweep to capture pending tasks, free up cognitive capacity, and stop mental rumination.Practice Minimum Effective Planning: Avoid over-planning every hour, which creates rigidity and guarantees frustration when real life disrupts your schedule.Build a Skeleton Plan: Layout core commitments and just one key priority per day instead of an exhaustive, rigid task list.Focus on Monday Only: When completely depleted, plan only for the next day's non-negotiables and map out the rest of the week on Monday morning.Choose Your Best Window: Reset when your natural energy peaks, whether that means a quiet Sunday morning, Saturday afternoon, or Friday before closing down.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/plpkitMENTIONED:Ep 314: How to Calm Your Nervous System for Better Focus and EnergyEp 306: Planning a Day that Works for YouEp 133: The Dangers of Over-PlanningEp 140: How to Declutter Your Mind in One Simple StepMinimum Effective Day Mini-TrainingCONNECT WITH LISA ZAWROTNY:FacebookInstagramResourcesWork with Lisa! LINKS MENTIONED IN THIS EPISODE:(Find links to books/gear on the Positively Productive Resources Page.)Dance Song Playlist V1, V2, V3Music by Ian and Jeff ZawrotnyStart your own podcast with Buzzsprout!Request this Toolkit and other free resources at the Resources Page.

Most people find their Enneagram type by taking a quiz and hoping for the best. Quizzes run somewhere between 60 and 70% inaccurate. Starting with the wrong type costs you. Every bit of inner work you do, every pattern you examine, is pointed at someone who is not quite you.A self-discovery process that guides you inward. The Enneagram is a tool. The Self-Typing Toolkit is a kit full of tools to help you use it well.In this episode:Why quizzes get it wrong, and what to do insteadThe difference between mistyping from a quiz and mistyping through a process like this oneThe many ways to find your type, and why this one is the long way on purposeWhat is inside the toolkit and how each piece works togetherHow to actually use this so you land on your type with confidenceWhy the order of the episodes mattersWho this is for: Anyone who has bought the Self-Typing Toolkit, anyone considering it, and anyone who is tired of starting and stopping their Enneagram journey because the type they were assigned never quite fit.⁠Get the Self-Typing Toolkit HERE!⁠Connect on ⁠⁠⁠⁠⁠⁠⁠Instagram⁠.Take the Unf*ck Your Type Enneagram shadow work course ⁠⁠⁠here⁠⁠⁠. ⁠Enneagram shirts⁠All of my freebies and links can be found ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠.Join my free private ⁠⁠⁠⁠⁠⁠⁠Facebook group⁠⁠⁠⁠⁠⁠⁠.

This is a deep dive on Enneagram Type One. Not the surface level version you have heard a hundred times. We are going into the psychology, the wiring, what is actually happening underneath, and the parts of being a One that almost nobody talks about out loud.In this episode:How Type One is different from Six, Three, and Eight, and the clearest way to tell them apartWhere the anger lives, why it never gets called anger, and what it does to the body when it has nowhere to goThe defense mechanism running quietly underneath everythingWhat this type looks like at every level of awarenessThe thing every One needs to hear, and almost never doesWho this is for: Anyone who suspects they might be a One, anyone who loves a One and wants to understand them more deeply, and any One who is ready to see themselves a little more clearly.If you are still in the process of figuring out your type, the Self-Typing Toolkit is built for you. A nine dollar collection of tools designed to help you find your type through 5 days of guided self-discovery.⁠Get the Self-Typing Toolkit HERE!⁠Connect on ⁠⁠⁠⁠⁠⁠⁠Instagram⁠.Take the Unf*ck Your Type Enneagram shadow work course ⁠⁠⁠here⁠⁠⁠. ⁠Enneagram shirts⁠All of my freebies and links can be found ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠.Join my free private ⁠⁠⁠⁠⁠⁠⁠Facebook group⁠⁠⁠⁠⁠⁠⁠.

Core motivations are the deepest layer of the Enneagram. The fear underneath what you do. The desire driving every decision you make. The thing that got wired in so early that you mistake it for personality. Two people can do the exact same thing for completely different reasons. That is why behavior alone will never tell you your type. The why will.In this episode:A childhood scene for each type and the decision that came from itWhat each type longed to hear, and what got wired in insteadThe deepest fear and the deepest desire for all nine typesWhat this pattern is actually costing you that you cannot fully seeHow to use core motivations to land on your type when nothing else has workedWho this is for: Anyone trying to find their type, anyone who has tried every other framework and still has not landed somewhere that feels true, and anyone ready to look at the why underneath what they do.If you are still in the process of figuring out your type, the Self-Typing Toolkit is built for you. A nine dollar collection of tools designed to help you find your type through 5 days of guided self-discovery. Get the Self-Typing Toolkit HERE!Connect on ⁠⁠⁠⁠⁠⁠Instagram.Take the Unf*ck Your Type Enneagram shadow work course ⁠⁠here⁠⁠. Enneagram shirtsAll of my freebies and links can be found ⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠.Join my free private ⁠⁠⁠⁠⁠⁠Facebook group⁠⁠⁠⁠⁠⁠.

This is the deep dive on Enneagram Type Five. Not the stereotyped withdrawn, emotionally disconnected version that gets thrown around. We are going into the actual inner world of a Five, which happens to be one of the most extraordinary places on the entire Enneagram.In this episode:The clearest way to tell Five apart from Four, Nine, and OneWhy Fives are not emotionally disconnected, and why that misunderstanding causes so many to mistype as FourWhat avarice really means for a Five (it has almost nothing to do with money)Why the energy depletion is real, where it actually comes from, and how it shapes everythingWhat it looks like when a Five finally lets someone inWho this is for: Anyone who suspects they might be a Five, anyone who loves a Five and wants to understand them more deeply, and any Five who is ready to consider that the world needs what they know.If you are still in the process of figuring out your type, the Self-Typing Toolkit is built for you. A nine dollar collection of tools designed to help you find your type through 5 days of guided self-discovery.⁠Get the Self-Typing Toolkit HERE!⁠Connect on ⁠⁠⁠⁠⁠⁠⁠Instagram⁠.Take the Unf*ck Your Type Enneagram shadow work course ⁠⁠⁠here⁠⁠⁠. ⁠Enneagram shirts⁠All of my freebies and links can be found ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠.Join my free private ⁠⁠⁠⁠⁠⁠⁠Facebook group⁠⁠⁠⁠⁠⁠⁠.

This is a deep dive on Enneagram Type Three. We are going into the psychological structure underneath the performance, the shape-shifting that even Threes do not always recognize they are doing, and the question that lives underneath everything.In this episode:The clearest way to tell Three apart from One, Eight, and TwoThe defense mechanism that makes the performance so convincing, even to the Three running itThe difference between needing to be loved and needing to be seenWhat the crash into Nine actually looks like, and why it happensWhat having a Three in your corner is really likeWho this is for: Anyone who suspects they might be a Three, anyone who loves a Three and wants to understand them more deeply, and any Three who is ready to consider that they have always been enough, even without the performance.If you are still in the process of figuring out your type, the Self-Typing Toolkit is built for you. A nine dollar collection of tools designed to help you find your type through 5 days of guided self-discovery.⁠Get the Self-Typing Toolkit HERE!⁠Connect on ⁠⁠⁠⁠⁠⁠⁠Instagram⁠.Take the Unf*ck Your Type Enneagram shadow work course ⁠⁠⁠here⁠⁠⁠. ⁠Enneagram shirts⁠All of my freebies and links can be found ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠.Join my free private ⁠⁠⁠⁠⁠⁠⁠Facebook group⁠⁠⁠⁠⁠⁠⁠.

This is the deep dive on Enneagram Type Six. And the first thing I want to say is that Sixes are not just anxious people. That framing does such a disservice to this type that I hear from Sixes regularly saying they feel completely misrepresented by it. We are going into what is actually happening underneath, and why this type is so much more layered than most resources make it look.In this episode:Why anxiety is the symptom and not the sourceThe clearest way to tell Six apart from Two, Nine, and OneThe difference between phobic and counterphobic Sixes, and why a Six can move between the twoThe defense mechanism that turns intuition into projection, and how to tell the differenceWho this is for: Anyone who suspects they might be a Six, anyone who loves a Six and wants to understand them more deeply, and any Six who is ready to be seen as more than just an anxious person.If you are still in the process of figuring out your type, the Self-Typing Toolkit is built for you. A nine dollar collection of tools designed to help you find your type through 5 days of guided self-discovery.⁠Get the Self-Typing Toolkit HERE!⁠Connect on ⁠⁠⁠⁠⁠⁠⁠Instagram⁠.Take the Unf*ck Your Type Enneagram shadow work course ⁠⁠⁠here⁠⁠⁠. ⁠Enneagram shirts⁠All of my freebies and links can be found ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠.Join my free private ⁠⁠⁠⁠⁠⁠⁠Facebook group⁠⁠⁠⁠⁠⁠⁠.

This is the deep dive on Enneagram Type Eights. I open by talking about what it looks like to be an Eight and how that is not the same for everyone. The same energy that gets a man called a leader gets a woman called a bitch. Add a layer if you are a woman of color. We are going there. We are also going into the armor, the heart underneath it, and the misunderstanding that follows this type around.In this episode:How the world receives Eight energy differently depending on gender and raceThe clearest way to tell Eight apart from Three, One, and the counterphobic SixWhere the armor actually comes from, and why it never fully comes off for most EightsWhat lust and excess really mean for an EightWho this is for: Anyone who suspects they might be an Eight, anyone who loves an Eight and wants to understand them more deeply, and any Eight who has ever been told they are too much.If you are still in the process of figuring out your type, the Self-Typing Toolkit is built for you. A nine dollar collection of tools designed to help you find your type through 5 days of guided self-discovery.⁠Get the Self-Typing Toolkit HERE!⁠Connect on ⁠⁠⁠⁠⁠⁠⁠Instagram⁠.Take the Unf*ck Your Type Enneagram shadow work course ⁠⁠⁠here⁠⁠⁠. ⁠Enneagram shirts⁠All of my freebies and links can be found ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠.Join my free private ⁠⁠⁠⁠⁠⁠⁠Facebook group⁠⁠⁠⁠⁠⁠⁠.

This is the deep dive on Enneagram Type Sevens. Not the fun, free-spirited, party-loving version. We are going into the strategy underneath the lightness, what Sevens are actually running from, and the depth that most people never see because the system is so good at keeping it hidden.In this episode:The clearest way to tell Seven apart from Three, Two, and EightWhere the snap back to lightness actually comes from, and why it is not what it looks likeWhat gluttony really means for a Seven (it is rarely about food)The defense mechanism that lets Sevens reframe almost anything in secondsWhy the lightness Sevens bring into a room is not a small thing, and why there is even more of it waiting on the other side of what they have been outrunningWho this is for: Anyone who suspects they might be a Seven, anyone who loves a Seven and wants to understand them more deeply, and any Seven who is ready to know that the rest of them is worth meeting.If you are still in the process of figuring out your type, the Self-Typing Toolkit is built for you. A nine dollar collection of tools designed to help you find your type through 5 days of guided self-discovery. ⁠Get the Self-Typing Toolkit HERE!⁠Connect on ⁠⁠⁠⁠⁠⁠⁠Instagram⁠.Take the Unf*ck Your Type Enneagram shadow work course ⁠⁠⁠here⁠⁠⁠. ⁠Enneagram shirts⁠All of my freebies and links can be found ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠.Join my free private ⁠⁠⁠⁠⁠⁠⁠Facebook group⁠⁠⁠⁠⁠⁠⁠.

This is the deep dive on Enneagram Type Nines. Not the chill, easygoing, peaceful version that most resources stop at. We are going into the slow, quiet form of disappearing , the stubbornness that catches everyone off guard, and the version of a Nine that comes out when they finally stop making themselves small.In this episode:The clearest way to tell Nine apart from Two, Four, and FiveWhy narcotization is not laziness, and how to spot it in yourselfThe pattern of merging, and why Nines can lose track of what they actually wantWhy Nines are one of the most stubborn types on the entire Enneagram (yes, really)What a Nine who has done the work actually looks like, and why they are a forceWho this is for: Anyone who suspects they might be a Nine, anyone who loves a Nine and wants to understand them more deeply, and any Nine who is ready to take up the space they were always allowed to take.If you are still in the process of figuring out your type, the Self-Typing Toolkit is built for you. A nine dollar collection of tools designed to help you find your type through 5 days of guided self-discovery.⁠Get the Self-Typing Toolkit HERE!⁠Connect on ⁠⁠⁠⁠⁠⁠⁠Instagram⁠.Take the Unf*ck Your Type Enneagram shadow work course ⁠⁠⁠here⁠⁠⁠. ⁠Enneagram shirts⁠All of my freebies and links can be found ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠.Join my free private ⁠⁠⁠⁠⁠⁠⁠Facebook group⁠⁠⁠⁠⁠⁠⁠.

This is the deep dive on Enneagram Type Twos. Not the warm and giving version you already know about yourself. We are going into the part underneath that. The part that is a little harder to look at.In this episode:The clearest way to tell Two apart from Nine and Three, the two types Twos most often get confused withWhere the radar to read other people's needs actually comes fromWhat is really happening in the moment a Two finally snapsWhy the giving has strings even when you swear it doesn'tWho this is for: Anyone who suspects they might be a Two, anyone who loves a Two and wants to understand them more deeply, and any Two who is ready to start turning a fraction of that love inward.If you are still in the process of figuring out your type, the Self-Typing Toolkit is built for you. A nine dollar collection of tools designed to help you find your type through 5 days of guided self-discovery. Get the toolkit here.Connect on ⁠⁠⁠⁠⁠⁠⁠Instagram⁠.Take the Unf*ck Your Type Enneagram shadow work course ⁠⁠⁠here⁠⁠⁠. ⁠Enneagram shirts⁠All of my freebies and links can be found ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠.Join the private ⁠⁠⁠⁠⁠⁠⁠Facebook community (that I am terrible about posting in! lol)

Your Enneagram arrows/lines are your psyche doing something pretty intelligent under pressure and once you understand what is happening, everything changes. This episode covers all nine types in one place.In this episode:Why your stress line shows up the way it does, and what it is actually trying to do for youWhat each type looks like in stress and what each type looks like in securityThe difference between phobic and counterphobic Sixes in stressHow to use your stress line as a typing tool when you are stuck between two typesWhy moving toward your security line feels uncomfortable, and why that is the only wayWho this is for: Anyone trying to land on their type, anyone who wants to understand why they sometimes look nothing like their type, and anyone ready to use their arrows as a tool for actual growth.I have a free resource on how to work consciously with your stress line and how to embrace it as a growth tool rather than just managing it as a problem. Get the freebie I mention in the episode here.If you are still in the process of figuring out your Enneagram type, the Self-Typing Toolkit is built for you. A nine dollar collection of tools designed to help you find your type through 5 days of guided self-discovery instead of a quiz. ⁠Get the Self-Typing Toolkit HERE!⁠Connect on ⁠⁠⁠⁠⁠⁠⁠Instagram⁠.Take the Unf*ck Your Type Enneagram shadow work course ⁠⁠⁠here⁠⁠⁠. ⁠Enneagram shirts⁠All of my freebies and links can be found ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠.Join my free private ⁠⁠⁠⁠⁠⁠⁠Facebook group⁠⁠⁠⁠⁠⁠⁠.

The Enneagram Harmonic Triads place you into one of three groups based on how you respond to conflict, disappointment, and things not going your way. And those things are happening multiple times a day, which means whatever strategy you reach for is running constantly, probably without you ever noticing it. When you learn which group you are in, it tends to be one of those aha moments where you finally name something you have been doing your whole life.In this episode:The three groups (Positive Outlook, Competency, Reactive) and which types belong to eachHow each type inside each group handles disappointment differentlyWhat happens when types from different groups try to work through a hard moment togetherHow to use your harmonic group as a typing tool when you are stuck between two typesThe gift of each group, and the shadow side that costs you when you cannot see itWho this is for: Anyone trying to figure out their type, anyone who has ever wondered why a hard conversation with someone you love keeps going sideways, and anyone ready to see their automatic strategy for what it actually is.If you are still in the process of figuring out your type, the Self-Typing Toolkit is built for you. A nine dollar collection of tools designed to help you find your type through 5 days of guided self-discovery. ⁠⁠Get the Self-Typing Toolkit here!⁠⁠Connect on ⁠⁠⁠⁠⁠⁠⁠Instagram⁠.Take the Unf*ck Your Type Enneagram shadow work course ⁠⁠⁠here⁠⁠⁠. ⁠Enneagram shirts⁠All of my freebies and links can be found ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠.Join the private ⁠⁠⁠⁠⁠⁠⁠Facebook group⁠⁠⁠⁠⁠⁠⁠.

This is the deep dive on Enneagram Type Four. Not the stereotyped moody, sensitive, dramatic version that gets handed to Fours over and over. We are going into the wound, the gift, the depth, and the specific way Fours experience the world that almost no one else can access.In this episode:The clearest way to tell Four apart from Nine, One, and TwoWhere the belief that something is missing actually comes from, and how it became the lensWhat envy really means for a Four (it is not what most people think)The defense mechanism that explains why criticism lands deep and praise slides offWhy Fours are some of the most quietly extraordinary people you will ever knowWho this is for: Anyone who suspects they might be a Four, anyone who loves a Four and wants to understand them more deeply, and any Four who is ready to hear that they were never missing anything.If you are still in the process of figuring out your type, the Self-Typing Toolkit is built for you. A nine dollar collection of tools designed to help you find your type through 5 days of guided self-discovery.⁠Get the Self-Typing Toolkit HERE!⁠Connect on ⁠⁠⁠⁠⁠⁠⁠Instagram⁠.Take the Unf*ck Your Type Enneagram shadow work course ⁠⁠⁠here⁠⁠⁠. ⁠Enneagram shirts⁠All of my freebies and links can be found ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠.Join my free private ⁠⁠⁠⁠⁠⁠⁠Facebook group⁠⁠⁠⁠⁠⁠⁠.

Bestselling novelist Holly Ringland on writing from joy instead of fear, the toolkit she built to meet the inner critic with self-compassion, and finding the first true sentence of her debut after decades of silence.   We discuss Why the pain of not writing eventually outweighs the pain of writing. What grief and loss can crack open in a writer that nothing else can. How the first true line of a novel can arrive once you stop listening to the reasons you can't write it. A bullet-point approach to plotting that protects the nervous system from the blank page. What to ask for from early readers, and what to refuse. The distinction between self-doubt and the inner critic, and why it matters. Meeting the inner critic with an equal and opposite internalised force. Breaking procrastination by making the next step impossibly small. Fiction as the lie that tells the truth truest.   Resources & Links

No Braincast 634, Carlos Merigo, Cris Dias, Hiago Vinícius e Luiz Yassuda discutem o vibe coding, a nova febre da IA que promete permitir que qualquer pessoa crie aplicativos, dashboards, automações e protótipos apenas descrevendo o que quer. A conversa passa por Claude, Codex, Lovable, Replit, Bolt, Cursor, Manus, low-code, SaaSpocalipse, token maxing e a fantasia do “unicórnio de uma pessoa só”. Afinal, estamos diante de uma revolução criativa, em que mais gente pode transformar ideias em produtos, ou de uma fábrica de gambiarras em escala industrial? Também entram no papo os riscos de segurança, vazamento de dados, dependência das big techs, código ruim, Shadow IT, empresas tentando substituir times inteiros por IA e a importância de repertório, critério e bom gosto num mundo onde executar ficou mais fácil, mas saber o que pedir continua sendo o grande desafio. No Qual é a Boa, ainda tem Cinemático sobre Obsessão, jogos como Crimson Desert e The Last Caretaker, o Anti-Authoritarian Toolkit, IA em Curso, The Traitors e Momento Faustão. -- CONHEÇA OS CURSOS DA ESCOLA DE IA DA PUCPR https://posdigital.pucpr.br/areas/escola-de-ia?utm_source=podcast&utm_medium=braincast&utm_campaign=pucpr_externo_leads_ativacao-1_escola-ia&utm_content=audio_atributo_26-05-17 -- 04:17 PAUTA 05:37 O que é vibe coding 08:31 Origem e ferramentas 09:52 É programação mesmo 14:50 SaaSpocalipse e limites 19:59 Dilema do monstro 25:30 Token maxing e tralha 27:50 Low code e democratização 30:37 Agentes e checagem 34:10 Programadores e IA 34:52 Autocomplete e Vibe Code 38:52 Hype e corrida da IA 39:56 Segurança e dados 41:45 Automação pessoal útil 43:55 SaaS pequeno vs grande 46:07 Sites leves sem WordPress 49:57 Canva e custos ocultos 57:09 Dependência e mediação 59:45 Legado corporativo e suporte 01:02:57 Habilidades e formação 01:11:40 Bom gosto e repertório 01:12:46 Curiosidade como profissão 01:15:03 Educação e base teórica 01:18:00 A febre dos prompts 01:18:50 QUAL É A BOA 01:28:56 Toolkit anti autoritário 01:34:38 Cupom IA em Curso 01:35:24 Reality The Traitors 01:40:06 Momento Faustão -- ✳️ TORNE-SE MEMBRO DO B9 E GANHE BENEFÍCIOS: Braincast secreto; grupo de assinantes no Telegram; e episódios sem anúncios!

David McKnight unpacks the five most common objections to Roth conversions and why they simply don't hold up under scrutiny.  The first objection has to do with people not wanting to voluntarily pay taxes before the IRS requires them to. While on the surface, postponing this may sound logical, it ignores a fundamental aspect: the state of the U.S. national debt. It has just passed $39 trillion, and it's slated to grow by $2 trillion per year for the next 10 years, and $3 trillion after that. In other words, interest on the national debt is becoming one of the largest line items in the federal budget.  That means that by refusing to pay taxes today, you're making an insanely risky bet that taxes in the future will be lower than they are right now. All, while your IRA keeps growing and compounding over time. Thus, 10 years from now, not only could tax rates be higher, but your required minimum distributions could be dramatically larger. The second most common objection to Roth conversions revolves around people saying, "If I do Roth conversions, that additional income will force me to pay increasingly higher levels of IRMAA or cause my Social Security to be taxed." David points out that Roth conversions do increase your taxable income, which can trigger those additional expenses during the conversion period.  However, while it's true that you'll pay IRMAA and Social Security taxation in the short term, you'll get rid of those additional expenses for the rest of your life once your conversion period is over. Objection #3 is "There's too much opportunity cost, I won't have time to make up for the taxes I paid".  David explains that, despite sounding sophisticated, this objection is based on a flawed premise. Your IRA is a "business partnership" with the IRS – and every year they get to vote on what percentage of your profits they get to keep. So, when you do a Roth conversion, you're not losing money. You're simply buying out your "silent business partner" at today's historically low tax rates. David highlights that, if taxes double in the future, you'll be glad you bought them out while taxes were still on sale. The fourth objection – "In retirement, I'll be in a lower tax bracket" – is actually one of the most dangerous assumptions in all of retirement planning. People assume that when they retire, their taxes automatically go down. For many Americans, the exact opposite happens, though. Once required minimum distributions kick in, they can force huge amounts of taxable income onto your tax returns. David touches upon an additional issue almost nobody talks about: the so-called widow's penalty. The fifth objection to Roth conversions revolves around the question, "Won't the federal government tax Roth IRAs sometime down the road?" People don't realize that the government loves Roth IRAs because they generate tax revenue today – unlike traditional IRAs, which delay tax revenue. That's why, every time Congress needs money, they tend to pass legislation that makes Roth accounts even more attractive. Remember: Roth conversions are about taking advantage of the tax sale of a lifetime before catastrophic levels of debt force tax rates higher.     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

It's a timely subject: This week, Corinne Malcolm and Hillary Allen dive into not just the physical side of injury, but the mental skills needed.With Hillary dealing with her own injury right now, she's put a lot of time and thought into building a practical injury toolkit:Normalizing the mental struggle athletes go throughReframing your goalsControlling what you can controlAnd building a recovery identity & communityInjury can disrupt identity, routine, and motivation — but dealing with injuries is also incredibly common for runners. Let's learn together to work on the skills we need during these periods.Follow Us:Join Feisty at the Grand Traverse in Duluth, MN on October 3rd! Use code FEISTY20 for $20 off when you register at https://feisty.co/events/the-grand-traverse/@feisty_media@trail.societySupport our Partners:Injinji: use code  Trailrun15 to get 15% off at https://www.injinji.com/ProBio: Use code Trail20 for 20%-off orders (30%-off + free shipping w/ subscriptions) at https://www.probionutrition.com/rabbit: Visit https://www.runinrabbit.com/ use code: APRILTRAIL for 10% off.

Get tips on building a proofreading toolkit - the tools, checklists and techniques that support consistency and accuracy.Listen to find out more aboutWhy a toolkit mattersCore proofreading toolsChecklists – your secret weaponProofreading techniquesCombining tools, checklists, and techniquesTips for building your proofreading toolkitResourcesFree proofreading checklist: https://www.louiseharnbyproofreader.com/pdf.htmlCourse: PROOFREADING: How to mark up PDF page proofs: https://denisecowleeditorial.com/training/Free proofreading stamps: https://www.louiseharnbyproofreader.com/pdf.htmlBook series: Notes from the PodcastWant to hone your editorial business skills? Our actionable guides and workbooks help you plan and implement a programme for business growth and development.Find out more here: https://www.louiseharnbyproofreader.com/notes.htmlSupport The Editing PodcastTip your hosts: Support Louise and Denise with a one-off tip of your choosing.theeditingpodcast.captivate.fm/supportJoin our Patreon community: Our patrons benefit from access to PDF transcripts for episodes featuring just Louise and Denise, and for some of our guest episodes. Tier-2 patrons also receive bonus content for most episodes.patreon.com/editingpodcastDenise and LouiseDenise Cowle: denisecowleeditorial.comLouise Harnby: harnby.co/fiction-editingPost-productionLiv Cowle: livcowle.comMusic credit'Vivacity' by Kevin MacLeodLink: https://filmmusic.io/song/4593-vivacityLicence: http://creativecommons.org/licenses/by/4.0/