Podcasts about Uncle Joe

Uncle Joe & Solo are back as they breakdown their best bets for the day. They also discuss should Spike Lee get a ring, Jaylen Brown being traded, Wemby now the villain and much more! Tune in & subscribe!

Uncle Joe & Solo are back as they discuss the Knicks improbable comeback in Game 4. They give out their best bets of the day and much more!

Uncle Joe & Solo are back as they discuss NBA Finals, Myles Garrett to LA, best bets and much more!

Glocks.....Inspectors.....Books....

Uncle Joe & Solo are back! They discuss the Cavs epic collapse in Game 1, best bets for the day, they give away some diapers & much more! Make sure to hit subscribe!

In this episode, Larry and Uncle Joe tackle one of the most relatable questions any sports dad has ever asked — what do you do when the environment your kid is playing in is toxic, and it's breaking his spirit? The question comes from Mike — a dad of two boys whose 11-year-old has recently had his love for baseball crushed by the culture of travel sports. The kid is now telling himself he's not good enough and that quitting is the answer. Mike is doing the work, modeling emotional regulation at home, and feeling like an imposter because none of it seems to be helping. Larry shares his own story of pushing his son too hard in wrestling, learning to let him lead, and watching him play football for ten years before deciding on his own to walk away. Joe drops an ancient Chinese archery proverb that reframes the entire conversation — and explains why the need to win literally drains a kid of every skill he has. Alliance member Calvin adds a coach's perspective on getting to the root of what's really going on with your son. This is a short, punchy, deeply practical episode that every sports dad needs to hear — especially if you've ever wondered whether the investment of time and money in travel sports is actually worth it.   Timeline Summary [0:00] Introduction to the Dad Edge mission and the movement to raise leaders of families and communities [1:02] Mike's question: my 11-year-old's spirit is being broken by travel baseball's toxic culture — what do I do? [3:47] Larry's wrestling story — getting excited about a scholarship, pushing too hard, and learning to follow his son's lead [6:26] Dr. John Delany's take: travel sports is ruining the dinner table of the American family [7:37] The stats — only 1.5% of kids who play youth sports will play in college [9:03] How kids start attaching their identity to their performance — and why that's dangerous [11:47] Whatever you start, you finish — the Hagner family rule and why it matters [12:32] The hockey coach who got kicked out of games three times — and the son who never played hockey again [13:41] 82% of kids quit a sport because of the coach — not the sport itself [15:33] Joe's ancient Chinese archery proverb — when an archer shoots for nothing, he has all of his skill [16:39] Why travel ball brings out the worst in parents — the lottery mindset and the toxicity that follows [17:12] If you play for somebody else's approval, you play half the game you would have played [17:45] Be the anti-venom — how to show up as the most positive presence in the stands [20:25] Calvin's perspective — get down to his level, ask the real questions, and watch how he shows up at practice [22:14] Mike's takeaway — finish the season, support his decision, and help him find his football whatever that looks like   Five Key Takeaways Only 1.5% of kids who play youth sports will play in college. Before you invest five figures a year in travel sports, ask yourself who this is really for — your kid or you. When a child's identity gets attached to their performance, and the environment around them is relentless and critical, they don't just quit the sport — they start believing they aren't good enough at life. Whatever you start, you finish. Let your kid know you support whatever they decide when the season is done — but the commitment they made to the team matters and they're going to honor it. The need to win drains a player of every skill they have. When a kid stops playing for the love of it and starts playing for approval, they play half the game they're capable of. You can't insulate your kids from toxic environments — but you can be the anti-venom. Be the most positive person in those stands, speak life into every kid, and let your son see what that looks like.   Links & Resources Dad Edge Alliance: https://thedadedge.com/alliance Dad Edge Business Boardroom: https://thedadedge.com/boardroom Dad Edge Youth Sports Resources: https://thedadedge.com/tag/youth-sports/ Dad Edge Youth Athletics Resources: https://thedadedge.com/tag/youth-athletics/ Using Sports to Strengthen Father-Child Bonds: https://thedadedge.com/using-sports-to-strengthen-father-child-bonds-life-lessons Coaching Kids: https://thedadedge.com/coaching-kids/ Greg Olsen Episode — Marriage Under Pressure: https://thedadedge.com/marriage-under-pressure-weathering-lifes-hardest-storms-featuring-greg-olsen/ How to Build a Non-Anxious Life by Dr. John Delony: Available on Amazon Episode Link & Resources (Episode 1477): https://thedadedge.com/1477   Closing If there's one message from this episode that stands out, it's this: the goal of youth sports was never the scholarship — it was the lesson. The kids who look back and love what sports gave them aren't the ones who made it to college or the pros. They're the ones who had a coach who believed in them, a parent who cheered for effort instead of outcomes, and a teammate who made them laugh on the bench eating Big League Chew. Be the anti-venom. Finish the season. And let your kid find their football. Go out and live legendary.

Uncle Joe & Solo are back as they discuss should Wemby have been suspended, JJ losing lockeroom again, today's best bets & much more!

In this exciting episode of the HVAC Uncensored Podcast, Gil talks with Uncle Joe. Joe Crisara (often referred to as "Uncle Joe") is a renowned HVAC sales educator, author, and owner of ServiceMVP, specializing in "pure motive selling" and contracting business growth. With over 40 years of experience, he teaches contractors how to increase conversion rates and build trust through ethical, choice-based sales. Key details about Joe Crisara's HVAC focus: Expertise: He is a recognized sales educator and mentor in the home services industry (HVAC, plumbing, electrical). Approach: Focuses on helping contractors move away from high-pressure sales towards a model that provides homeowners with options, fostering trust and respect. Resources: Author of "What Should We Do?" and founder of contractorselling.com, providing weekly, live, virtual sales training for technicians and comfort advisors. Background: Overcame early business failures to build a profitable contracting company before pivoting to coaching  I am so looking forward to catching up with him; it has been a little while since he last appeared on the show. Come hang out, it's always fun and tons of knowledge whenever Uncle Joe is around.                 =====Don't Forget To Follow The Podcast On Social Media To Stay Up To Date=======       The easiest way to find all links is to go to https://www.hvacuncensored.com or https://www.poplme.co/hvacuncensored       *****Please Show Some Love To The Amazing Show Sponsors/Partners*******       YELLOW JACKET    https://www.yellowjacket.com    COMPANYCAM   https://www.companycam.com/hvacuncensored   GET A FREE 14-DAY TRIAL, THEN 50% OFF YOUR FIRST 2 MONTHS    HVAC TACTICAL    https://www.hvactactical.com   USE DISCOUNT CODE (HVACUNCENSORED) & SAVE 20% ON YOUR ORDER   HOUSECALL PRO   https://www.housecallpro.com/hvac-uncensored/   VETO PRO PAC   https://www.vetopropac.com/   HOMEPROS   https://www.readhomepros.com   CAMEL CITY MILL    https://www.camelcitymill.com/UNCENSORED10     USE DISCOUNT CODE (UNCENSORED10) & SAVE 10% ON YOUR ORDER   LOKAL   https://www.lokalhq.com                               FIND ALL HVAC UNCENSORED MERCH AT https://www.hvacuncensored.com/

“There's no place on the planet, and I mean that, that loves my dad the way that Detroit does.” Joyce Barrow-Henderson, daughter of boxing legend and Detroit champion Joe Louis, brings warmth, history, and family truth to Detroit is Different as she prepares for the Joe Louis Greenway Partnership birthday celebration honoring her father on Saturday, July 23, 2026, at 10am at the Warren Trailhead, 7241 McDonald, Detroit, MI 48210. In this powerful conversation, Joyce shares why Detroit's love for Joe Louis still feels personal, saying here he is not distant history—he is “Uncle Joe.” She opens up about the Joe Louis Foundation's mission, rooted in his “kindness,” “generosity,” education, and community connection. The interview moves beyond the boxing ring into Joe Louis' impact on Black Detroit business, culture, sports, and pride—from Brewster Recreation Center to Black Bottom, Flame Show Bar, golf, horses, family, and the doors he opened for others. Joyce reminds us, “If you think he was a great boxer, he was an even greater daddy.” This episode connects Detroit's past and future through legacy, land, love, and community memory. Detroit is Different is a podcast hosted by Khary Frazier covering people adding to the culture of an American Classic city. Visit www.detroitisdifferent.com to hear, see and experience more of what makes Detroit different. Follow, like, share, and subscribe to the Podcast on iTunes, Google Play, and Sticher. Comment, suggest and connect with the podcast by emailing info@detroitisdifferent.com Find out more at https://detroit-is-different.pinecast.co

In this episode, Larry and Uncle Joe are back for another live Wednesday Q&A with real men from the Dad Edge Alliance — and this one hits on two of the most common struggles we hear from men: a marriage in repair mode that's sending confusing signals, and a hot-tempered nine-year-old that nobody knows how to reach. The first question comes from Jimmy — a man whose wife gave him a 90-day ultimatum, who has been doing the work, and who is now completely confused by what's happening. She's been affectionate. Then she's not. Then she pulls back and says no more physical contact. Is it over? Should he give up? Joe and Larry speak into this with the kind of wisdom that only comes from having lived it — including Joe's own experience with physical contact happening and then the wall going right back up, and Larry's stock market analogy that every man in a marriage repair season needs to hear. The second question comes from Mark — a teacher and dad of three whose nine-year-old middle child has a hair-trigger temper that seems to come out of nowhere. Joe drops one of the most memorable pieces of wisdom this show has ever heard about what anger in a young boy actually means, what's running underneath it, and how to find the magma before it erupts. Larry adds his own raw, honest story about his ten-year-old Colton — a family meeting he called, the guilt he took full ownership of, and what it means when the softest voice in your family has to fight just to be heard. Joe closes with a Solomon quote that stops the whole room cold.   Timeline Summary [0:00] Introduction to the Dad Edge mission and the movement to raise leaders of families and communities [1:02] Larry and Joe open the Q&A — May is here, and the Alliance Bible study group gets a shoutout [5:28] Jimmy's question: my wife gave me a 90-day ultimatum, I've been doing the work, she's been affectionate — then suddenly pulled back and said no more physical contact. Is it over? [8:59] Joe's answer: she doesn't feel safe yet — the narrative justifying the divorce is still running, and physical contact is cracking it open in a way that terrifies her [11:47] The mistake Joe made — trying to use physical contact to manipulate the situation back to his side [13:18] It ain't over until you say you're done trying — Joe's message to Jimmy [16:23] Larry's answer: the EKG pattern — she softens, pulls back, softens, pulls back. This is not failure. This is repair. [18:00] The stock market analogy — marriage repair is not a straight line, and the only thing that crashes it is when the man stops doing the work [21:47] Have the clarifying conversation — if you initiate, what do you want from me? Get clear so the lines stop getting blurred [24:49] Do the work for you, not for her — and don't be needy. That standoffish groundedness is what actually draws her back. [27:45] Core values as a filter — Awesome's answer on staying congruent when everything feels chaotic [30:15] Mark's question: my nine-year-old middle child has an explosive temper and I don't know how to reach him [33:24] Joe's answer: middle kids often don't feel seen or heard — and a hot temper at nine means there is a river of rage running just under the surface. Find out what's feeding it. [35:47] What drove Joe's youngest son's anger — self-image struggles and the "am I good enough" question that lives in every boy [37:15] Larry's answer: go in soft, go in curious, and do it shoulder to shoulder — not nose to nose [39:10] The family meeting Larry called about Colton — taking full ownership and asking everyone to do better [42:04] Colton is the softest voice in the family and he's always fighting to be heard — and that has to change [45:07] Joe drops Solomon — the power of life and death is in the tongue. Speak the behavior you want to see. [47:33] The 45-second greeting rule — and why how you welcome your kid home sets the tone for everything that follows   Five Key Takeaways Marriage repair is not a straight line — it's the stock market. She will soften and pull back over and over. The only thing that crashes it is when you stop doing the work. If she says no physical contact, have the clarifying conversation. Honor her request — and ask what happens if she initiates. Getting clarity is not weakness. It's leadership. Do the work for you, not for her. The groundedness of a man who keeps growing regardless of her response is one of the most attractive things a woman can witness. A hot temper in a young boy is never just a temper. There is something running underneath it — usually tied to self-image, feeling unseen, or something happening at school that he doesn't have the words to explain yet. The power of life and death is in the tongue. If you want a certain behavior out of somebody — speak that behavior into them. Your words become self-fulfilling prophecies.   Links & Resources Dad Edge Alliance: https://thedadedge.com/alliance No More Mr. Nice Guy by Dr. Robert Glover: Available on Amazon Episode Link & Resources (Episode 1474): https://thedadedge.com/1474   Closing If there's one message from this episode that stands out, it's this: the softest voice in your family deserves to be heard — and the words you speak over your kids and your wife are either building something or tearing it down. Joe said it best. Solomon said it first. The power of life and death is in the tongue. Speak the behavior you want to see. Speak life into the people who need it most. And if you're Jimmy right now — don't give up. It ain't over until you say it is. Go out and live legendary.

Uncle Joe & Solo are BACK! Apologies for the episodes we weren't able to upload, but they are available on YouTube and the problem has been corrected going forward. We give out our best plays for May 6th, discuss Caleb Williams shooting his shot, my son doesn't throw food on the floor anymore and much more! Tune in & subscribe.

In this episode, Larry and Uncle Joe are back for another live Q&A with real men from the Dad Edge Alliance bringing their real questions. This one goes deep — and fast. The first question comes from a man walking through divorce he didn't want, trying to reconcile his faith with a marriage that's falling apart. Joe has lived this exact story — fasting, praying, sleeping in a separate bedroom for 18 months, doing everything he could — and speaks into it with the kind of wisdom that only comes from having actually been there. Larry adds his own perspective, including the heartbreaking story of losing a son to trisomy 13, and what he learned about God's ability to redeem even the worst seasons of life. The second question comes from Shepherd — a man who is newly divorced, in a new relationship seven months in with a wonderful woman of faith, but feeling the friction of competing priorities: his kids, her desire to be put first, a potential reverse vasectomy, and the nagging question of whether this is really the right person. Joe and Larry both weigh in with hard, loving, and deeply honest answers — including Joe's own cautionary tale about getting into a relationship too fast after a divorce, and the painful price his kids paid because of it. This is one of those Q&A episodes where every man in the audience will see himself in at least one of these questions.   Timeline Summary [0:00] Introduction to the Dad Edge mission and the movement to raise leaders of families and communities [1:02] Welcome to the Q&A — and a quick shoutout to the new Dad Edge shop [2:15] Question 1 — Anonymous: I'm a Christian going through a divorce I didn't want. My wife is a strong believer too. I need guidance. [2:34] Joe's answer: his own experience going through divorce as a believer, sleeping in a separate bedroom for 18 months, and what he learned [4:10] Being a follower of Christ and being a mature follower of Christ are two completely different things [5:37] Seeking the one with your two — how Joe and Ivy operate their marriage around loyalty to Christ first [6:50] The A plus B equals C equation with God — and why that theology will wreck you [7:37] What Joe would do differently: stop panicking, stop pushing, and focus on maturing as a man [10:01] Larry's perspective: it's okay to be angry with God — Father Stephen Gadberry on The Sean Ryan Show [13:11] God removes things we think are good for us — and sometimes this is a preparation for something better [14:39] Larry's story: losing a son to trisomy 13 in 2014, the decision to keep the baby, and the stillbirth at 22 weeks [17:33] Standing in that bathroom, looking up, and asking God why — and what came out of that season [18:00] Joe's response: our father redeems everything — even the worst stuff [19:39] Joe's own three marriages — and how God used all of it [20:08] Living a life you don't deserve — Joe's reflection on grace, mercy, and what he gets to enjoy today [21:28] Joe shares a personal health challenge he's currently walking through — and why his mercies being new every morning is not just a saying [23:21] Question 2 — Shepherd: I'm seven months into a new relationship after divorce. She wants to be put first over my kids. I'm at a crossroads. [28:13] Joe's answer: she doesn't have kids, so there's a disconnect — and until there's a covenant, your kids come first [29:58] The conversation you need to have now — not after you say I do [31:09] How Joe met Ivy — determined never to remarry, then God showed up anyway [32:23] Larry's take: know your non-negotiables before you go further — and be honest about what they are [35:08] This is what you signed up for — and if you love me, this is the way it's going to be [36:17] Joe's red flags: she's pushing for the covenant before it's time, and the reverse vasectomy conversation deserves serious prayer [37:18] Joe's cautionary tale: getting into a relationship too fast after divorce — and the price his kids paid [40:11] His kids paid a high price for his lack of wisdom — proceed with caution, pray first [41:04] There's wisdom in many counselors — and the value of having brothers who aren't afraid to call out your blind spots   Five Key Takeaways Being a follower of Christ and being a mature follower are two different things. Maturity in faith means loyalty to the covenant even when feelings don't support it. God doesn't owe you C just because you did A and B. The A plus B equals C equation with God will wreck you. His heart for you is good — even when life isn't. It's okay to be angry at God. Tell him. He already knows. And he meets us in our deepest, most honest emotions — not in the polished version. When you're newly divorced and entering a new relationship, proceed with caution. Get into your kids, get into your faith, and make sure your inside world is where it needs to be before you attach to someone new. Know your non-negotiables before you go further in any relationship — and have the hard conversations now, not after you say I do.   Links & Resources Dad Edge Alliance & Business Boardroom: https://thedadedge.com/mastermind The Men's Forge: https://themensforge.com Dad Edge Shop: https://thedadedge.com/shop Father Stephen Gadberry on The Sean Ryan Show — search on YouTube Episode Link & Resources (Episode 1462): https://thedadedge.com/1462   Closing If there's one message from this episode that stands out, it's this: God redeems everything — even the stuff that feels like it's destroying you right now. Joe went through divorce as a believer, three times, watching his kids pay a price for his lack of wisdom. Larry stood in a bathroom watching his son be born still, looking up and asking why. And both of them are sitting here today telling you it gets better — not because life got easier, but because God's mercies are new every morning and all things really does mean all things. If you're in a dark season right now, don't go through it alone. Lean into the brothers around you and let them speak into your blind spots. Go out and live legendary.

Uncle Joe & Solo are back as they down give out their best bets. They also discuss no child left behind, Geno Auriemma, Blue Jays look terrible and much more! Tune in & subscribe.

Uncle Joe & Solo are back for episode two! Two dads that sit down and discuss the betting card for the day. Through humor and informal dialogue, they'll discuss March Madness, Tiger Woods, bullying and much more!

Uncle Joe & Solo drop their first official episode! Two Dads that sit down and discuss the betting card for the day. Through humor and informal dialogue, they navigate trying to pick winners in between changing diapers. Listen in for their plays of the day compiled with parental advice. Don't forget to subscribe!

In this episode, I'm joined by my co-host Uncle Joe for one of our live Q&A sessions — where real men from the Dad Edge Alliance bring their real questions, and we do our best to give them real, honest answers. This one covers a lot of ground. We open with a powerful question from Rich — a man who spent nearly 30 years as an agnostic, gave his life to Christ six months ago, and now wants to know how to lead his 11 kids toward faith without forcing it on them. Joe brings wisdom from his own walk, and I share a deeply personal story about going to church with my son Ethan — how one pastor's offhand comment cracked something open in me, and how an honest, vulnerable conversation in a car changed the entire trajectory of my relationship with my son around faith. The second question is one that hits close to home for a lot of men in this community: when things have been bad in your marriage for a long time and you finally start getting wins — how do you avoid going complacent? Joe and I both dig into this one from personal experience. Joe speaks to the PTSD that builds up inside a man after years of a hard marriage, how fear and insecurity can quietly self-sabotage the very progress you've worked so hard for, and why faith — not fear — has to lead. I talk about consistency, keeping the sword sharp, and why marriage is exactly like the gym. We close with a bonus coaching moment on communication — why "you make me feel" is a conversation grenade, and how to ask for clarity in a way that actually works.   Timeline Summary [0:00] Introduction to the Dad Edge mission and the movement to raise leaders of families and communities [1:01] Welcome to the Q&A — live questions from real Dad Edge Alliance members [1:42] Reminder: Roommates to Soulmates Cohort preview call on April 1st at 7pm Central [2:50] Question 1 — Rich: I gave my life to Christ six months ago after 30 years as an agnostic. How do I lead my older kids toward faith without forcing it? [6:07] Joe's answer: You lead by example, walking it out in front of them — including when you fail and change course [8:33] Joe's story: his son Colin told his wife "the dad I have now is not the dad I had ten years ago" [9:21] The power of community in faith — why you cannot walk this walk alone [9:55] What Joe does every two weeks: a Zoom Bible study with his entire grown family [11:02] Your outside world is always a reflection of your inside world — get your inside right first [13:47] Larry's answer: his personal journey from cultural Catholic to full believer — and what changed in the last year [15:17] The situation with Larry's son Ethan — a controversial church, a girlfriend pushing conversion, and how Larry navigated it without muscling him [16:35] How Larry approached it: curiosity over control — asking questions instead of issuing warnings [17:14] Larry goes to church with Ethan and hears a pastor say: "I had a great dad — but I had to find God by myself" [19:12] The conviction that hit Larry on the way home: "I'm failing you just like his dad failed him" [21:33] The honest conversation in the car — and Ethan's response that Larry never expected [23:10] How Larry invited Ethan into a Bible study as a fellow learner, not a teacher — and what it has done for their relationship [25:22] Question 2 — Anonymous: When things have been bad for years and you finally start getting wins in your marriage, how do you avoid getting complacent? [25:56] Larry's answer: expect your wife to pull back at first — she's afraid to hope. Keep the sword sharp and never take your foot off the gas [28:01] Joe's answer: be mindful of the PTSD and insecurity that builds up inside a man after years of a hard marriage [29:21] How fear and insecurity can quietly self-sabotage the progress you've worked so hard for [30:16] Let faith lead, not fear — fear has never once led Joe somewhere he was glad he went [31:03] A real-time example: a man texting Joe that morning — his wife said she wants to stop counseling and he went into panic mode [32:26] How to get clarity instead of telling yourself a story [34:23] The right way to ask for clarity — why "you make me feel" is a grenade and what to say instead [36:31] Words have power. Be effective, not just right. [37:27] Bonus: never text your wife emotional content — everyone reads it through their own filter   Five Key Takeaways You lead your kids toward faith the same way you lead them in everything else — by living it in front of them, including letting them see you fail and change course. You don't have to be an expert to lead your kids spiritually. Invite them to learn alongside you. "Let's figure this out together" is more powerful than "let me teach you." Your outside world is always a reflection of your inside world. If you want things to change around you, start with what's happening inside you. When your marriage starts turning around, don't get complacent. Marriage is like the gym — you don't work chest for eight weeks and then wonder why it's gone. Consistency is everything. Stop telling yourself a story about what your wife meant. Get clarity. And when you do, don't say "you make me feel" — own your interpretation and ask with curiosity, not accusation.   Links & Resources Roommates to Soulmates Cohort & Preview Call: https://thedadedge.com/soulmates The Men's Forge: https://themensforge.com Episode Link & Resources (Episode 1456): https://thedadedge.com/1456   Closing If there's one message from this episode that stands out, it's this: the most powerful thing you can do for the people you love is get yourself right on the inside first. Whether it's leading your kids toward faith, rebuilding your marriage, or just showing up differently than you have before — it all starts with the man in the mirror. Not the version of you that has all the answers, but the version that's humble enough to say "I don't have it all figured out, but I'm willing to learn." That's the man your kids need. That's the man your wife needs. If this episode resonated with you, share it with a man who is in the middle of his own turning point. Go out and live legendary.

In this Wednesday Q&A episode, Uncle Joe and I respond to a powerful question from a dad who's struggling with impulsive reactions, shutting down during conflict, and feeling like he can't get out of the same argument patterns with his wife. If you've ever caught yourself reacting instead of listening, or walking away from conversations feeling frustrated and disconnected, this episode will hit close to home.   We unpack the truth that two things can be true at the same time—both partners can be overwhelmed, both can be carrying heavy loads, and both can feel unseen. The key isn't competing over who has it harder; it's learning how to step out of the competition and into collaboration. We talk about how to create psychological safety during hard conversations, how to interrupt unhealthy patterns, and why curiosity is far more powerful than defensiveness.   Uncle Joe also shares a powerful perspective about what he calls the "rucksack principle"—taking an honest inventory of what you're carrying and being willing to sacrifice things that may be important to you but aren't serving the health of your marriage or family. If you're feeling overwhelmed, reactive, or stuck in recurring conflict, this episode offers practical tools and a new perspective on leadership at home.     Timeline Summary: [1:01] Wednesday Q&A kickoff with Uncle Joe and the Dad Edge community  [2:00] Listener question about impulsive reactions, yelling, and shutting down in marriage  [4:45] The powerful truth that two things can be true at the same time  [5:56] The "100-pound rucksack" analogy for overwhelm in marriage  [7:50] How to interrupt the conflict cycle with a new conversation approach  [10:00] Creating psychological safety by changing physical positioning in conversations  [13:20] Uncle Joe's perspective on inspecting your own "rucksack" first  [16:00] What real love looks like: patience, sacrifice, and humility  [21:30] The power of daily journaling and reflection to improve emotional awareness  [24:00] Why most men struggle with relationships because of a skill gap—not bad intentions      Five Key Takeaways Two things can be true at the same time—both partners can feel overwhelmed and still need support. Competing over who has it harder only deepens conflict in marriage. Psychological safety is created through curiosity, listening, and calm tone—not defensiveness. Great leadership in marriage starts by examining your own "rucksack" first. Most relationship struggles come from a skill gap—not a lack of love or commitment.   Links & Resources Roommates to Soulmates Cohort & Preview Call: https://thedadedge.com/soulmates Episode Shownotes: http://thedadedge.com/1450   Closing If you've been feeling reactive, overwhelmed, or stuck in the same conflict patterns at home, remember this: leadership in marriage starts with self-awareness.   Start by checking your own rucksack. Get curious instead of defensive. Create space for real conversations instead of competition.   If this episode resonated with you, make sure you rate, review, follow, and share it with another dad who needs to hear it.   Go out and live legendary.

There is a storm coming with the challenges of navigating the TRUSTEE CRISIS. It is one of the biggest blind spots in the “GREAT WEALTH TRANSFER” and will be the source of mountains of litigation for the unwary, https://youtu.be/hwQev88A03M Summary In this conversation, Frazer Rice and Jennifer Zelvin McCloskey discuss the current crisis in trusteeship, highlighting the shortage of qualified trustees amidst a significant wealth transfer. They explore the importance of modern trust planning, the challenges faced by individual trustees, and the need for better education and training in the field. The discussion also covers the emotional and interpersonal aspects of trusteeship, the functions and responsibilities of trustees, and the necessity of managing risk effectively. They emphasize the importance of building a pipeline for future trustees and improving the perception of the profession, while also identifying opportunities within the trust industry. https://open.spotify.com/episode/4qpkrVdaUa2AfDxgl7j3yN?si=XVgG3jE_Qpqq2JTqi8XLXQ Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠) Takeaways The coming crisis in trusteeship is already here. There is a significant shortage of qualified trustees. Trusteeship requires strong interpersonal skills and emotional intelligence. Managing risk is a fundamental aspect of trusteeship. Trustees critically need education and training. The role of a trustee is evolving with increasing complexity. Beneficiaries need to understand their rights and the trustee’s role. Custodial responsibilities are essential for asset protection. There are many opportunities for growth in the trust industry. Trust law and investment management are distinct fields. This Episode is for . . . Anyone that has an estate plan with a trust in it and doesn't know what a trustee does Any advisor who works w/ multi-generational situations (that’s everybody in wealth management) Any RIA looking to sell Financial types worried about compliance world Fiduciary litigators Chapters of “THE TRUSTEE CRISIS: Navigating the Challenges” 00:00 The Coming Crisis in Trusteeship 02:06 Importance of Modern Trust Planning 04:11 Challenges with Individual Trustees 08:03 The Dwindling Pool of Qualified Trustees 10:06 Functions and Responsibilities of a Trustee 12:20 The Emotional and Interpersonal Aspects of Trusteeship 16:05 Managing Risk in Trusteeship 19:07 Building a Pipeline for Future Trustees 22:10 The Role of Education in Trusteeship 25:07 Improving the Perception of Trusteeship 28:19 The Need for Better Trust Education 30:39 Bifurcation of Trustee Functions 33:26 Distribution Functions and Beneficiary Relations 36:52 Custodial Responsibilities in Trusteeship 40:19 Consequences of Poor Asset Management 46:41 Curriculum for Trustee Education 52:13 Opportunities in the Trust Industry Transcript of “THE TRUSTEE CRISIS: Navigating the Challenges” Frazer Rice (00:01.068)Welcome aboard, Jennifer. Jennifer Zelvin McCloskey (00:02.723)Thanks Frazer, how are you today? Frazer Rice (00:04.782)I am doing great. We’re going to dive into a topic that is near and dear to both of our hearts. And that is what I’m describing as the coming crisis in trusteeship, but I think it’s already here. Which is the concept of qualified trustees being in short supply, right in the face of a gigantic wealth transfer. And first of all, before we get into that, just describe what you do on a day to day basis first. Jennifer Zelvin McCloskey (00:33.445)Sure, I actually wear a bunch of hats. Day to day, right now, I’m a full-time practicing trust and estate attorney. I’m also an individual trustee for a variety of trusts that need either somebody here physically located in Delaware for a short period of time or even a successor trustee. But I’ve also spent many, many years building programs in trust management and trust administration. Because there is this crisis of human capital that just does not exist. I built multiple programs. They’re housed out of the University of Delaware. So I act as a trust and estate attorney, do planning, administration, I teach in the area, I build programs in the area, and I serve as a trustee. PEAK TRUST MANAGEMENT CERTIFICATE Frazer Rice (01:23.182)A full plate to be sure. To me, I came out of Wilmington Trust and another trust company served an individual trustee too. I’ve seen all these different flavors of trusteeship. My general sort of bon mot around that is that the individual trustees. I’d say 95 % or higher don’t really have an appreciation of the risk and responsibility that they’re taking on. And then the corporates have their own issues, which we’ll get into in a little bit. If we pull back even further, modern trust planning in wealth management, why is this so important? Jennifer Zelvin McCloskey (02:06.275)That’s massively important. It’s not just for the mass affluent or the ultra high net worth. It’s for everybody. We have all of these assets that we have this hyperfocus on building and increasing our wealth. Making sure that we have the ability to sustain ourselves throughout our entire lives. But if we don’t do this type of planning, if we don’t have structures and implementation for when we die, then our assets that we’ve planned so diligently for will fall off of a cliff. We lose the ability to control ultimately what happens to those assets. Layered on top of that, of course, is the tax component for ultra high net worth folks who are trying to really focus and direct their assets to make and create generational wealth transfers. Without this type of functionality and wealth planning and estate planning long-term, people lose control of what they’ve spent so much time building. Frazer Rice (03:13.338)One of the things I tell people as far as trusts are concerned is that, you know, we’re putting these structures together. They’re durable enough to withstand taxation or creditors or other asset protection features, create some guidelines around distributing the assets to the next generation or other constituencies. But also have some flexibility to be able to deal with the things we can’t look into the crystal ball and figure out over time. And that those three things just putting a document together that tries to do all that is hard enough, but then to put it in the hands of somebody or something to administer and to exercise discretion around it. That’s where the real art and science kind of stitched together and create this issue. You know, as we think about that too, the idea, the history of these types of scenarios kind of goes back to, you know, you’d put a structure in place and then you’d go hire a bank and they’d take care of everything. How do you look at that and say, all right, we’ve gone well past banks to individuals and then to dedicated institutions. What is the problem there? Jennifer Zelvin McCloskey (04:22.956)Now the problem, there’s two problems. In my opinion, what I see is that, you know, your individual trustee by and large is Uncle Joe, right? He’s the guy that everybody goes to in the family. The responsible one. He’s the smart one. The wealthy one who, great, doesn’t know what the fiduciary duties are. He doesn’t know that he has a duty of impartiality. He doesn’t know that… Frazer Rice (04:32.419)Right. Jennifer Zelvin McCloskey (04:48.475)He can’t self deal unless the instrument says so. Doesn’t understand how the instrument works. He doesn’t understand the nuance and the legalese written into the instrument. But he’s flying by the seat of his pants and everybody looks to him as the respected one in the family. No one knows that they have the ability to challenge him. So with your individual run of the mill trustee named in the instrument, they just don’t have the expertise, they don’t have the technical knowledge. Don’t know what they don’t know. They can get into trouble in that way. The other problem that you have with professional individual trustees oftentimes is that they are not formally trained. They may be an attorney who is working in that area, who’s doing plans for people who may or may not know what the full scope of being a trustee is. They may not realize, I have to get a special insurance policy because my malpractice insurance policy doesn’t actually cover this type of fiduciary engagement. There’s a lot of landmines that individuals can run into when they’re doing this type of work. On the corporate side, the problems that we run into is that there’s just a complete and utter lack. Frazer Rice (05:50.061)Hmm. Jennifer Zelvin McCloskey (06:12.059)Of available educational programs to teach people the proper way to be able to understand trusteeship. It has always been, and it just has developed over time through, you know, oh, we’ll give it to the bank, the bank will do it. This apprenticeship model, and that just does not scale well because if you learn improperly at the edge of a desk from somebody that learned improperly at the edge of the desk. Then the person that you’re teaching now at the edge of the desk is learning what you learned improperly. So anecdotally, I did karate for a long, long time. And the man who taught me karate, I’m almost a secondary black belt to like, was serious in karate. And the man who taught me karate said, you practice, it makes permanent. Don’t practice wrong. Because when you’re practicing wrong, you’re making permanent wrong things. And that’s what the apprenticeship model has the risk of lending itself to. It’s not that every trustee that learns at the edge of the desk learns wrong, but the risk is too high because the fiduciary responsibilities and the duties are too high to run that risk. The other problem is that we have a dwindling pool of really qualified senior trust officers because of just the nature of the job. You’re a human being, you’re an individual, you age, you retire. And it’s not something that people go to school and say, when I grow up, I want to be a trustee. They fall into it sideways. And unless there are academic programs that are out there that people are aware of and that they can get some formal training, some formal education to enter into the field. Frazer Rice (07:49.742)Yeah Jennifer Zelvin McCloskey (08:03.82)Separate and distinct from, I’m in the field and now I want to get a CTFA. I want to earn my certification to really show that I have the chops in this area. We have this shrinking pool of expertise. We have a lack of knowledge, a lack of formal education, and an apprenticeship model that doesn’t scale. On top of, with the individual side and the corporate side, this massive wealth transfer and an explosion of trust complexity that’s all taking place at the same time. Frazer Rice (08:31.918)One of the issues at the corporate level too is that as you say that the impregnance model is not necessarily the best way to do it. They’re cutting back on training programs. The business model around being a trustee or even a specific trustee does not make the big money. And so the ability for those types of institutions to develop the people.who ultimately are now in a very sort of pro-employee environment where there’s such a demand for trustees that they can kind of switch around and get a 10 or 20 % bump each time they go because people are desperate to have them. There’s a real cavern there to try to create the permanence that you’re looking for in a structure that really rewards consistency over time, especially as it relates to discretion and process of decision-making. Jennifer Zelvin McCloskey (09:23.15)Yeah, that’s exactly right. And that leads to this revolving door in the industry, because people are just trying to make more money and they’re going and bouncing to different trust companies. And there isn’t that backfill. Just because it’s a trust company and there’s policies and procedures, trusteeship is about relationships that you make with your beneficiaries, the relationships that you develop with multiple generations in a family. And when you have somebody that’s acting and serving in that and they move, they leave, they’re no longer acting and serving in that capacity, a new personality comes into the mix and it can really be disruptive. So having that consistency and minimizing the attrition is so valuable. Frazer Rice (10:06.766)The other thing I try to bring up, especially to individual trustees, is that the thing that you’re signing up for is probably going to look a lot different in five or 10 or 15 years when people are aged on, they remarry, they have kids, etc. That the conditions are a lot different than what they were before. And it’s going to be difficult to take on a structure that has eight people when before there were two. Jennifer Zelvin McCloskey (10:37.517)Yes, and that’s that complexity, that increased sophistication and complexity of trust structures that are available now to people. With the increase in the exemption, these trust structures, they’re not necessarily changed. For example, qualified personal residence trust, if people really need that anymore, but there’s a ton of them sitting around there. Are trustees properly administering it? Did you actually transfer the real estate into the trust at the time? So there’s all kinds of sophisticated structures that the trustees may or may not have the right skills. But they’re saddled with having to do it. Frazer Rice (11:19.47)Let’s take a step back and just talk about the functions of a trustee for a second. I break them down basically into three. Which is the first one. You have to administer the trust, meaning you have to dot the I’s, cross the T’s, make sure things get executed, tax returns are filed, statements get sent out to the extent that that happens, and that the administration of a structure like that occurs. Then I talk about the concept that the investments have to be made monitored moved around decided and that they’re appropriate for all classes of beneficiary that are in there and then the distribution function which is The assets have to be distributed according to the law. First the trust then maybe the intent or the law if everything is silent and that those three things are very different components and that it’s tough to find somebody who’s great at all three housed within one brain. Jennifer Zelvin McCloskey (12:20.217)Yeah, I agree with that 100%. It is a three legged stool. It’s the investments, the administration and the distributions. And in that administration umbrella in and of itself, there’s a tremendous amount of work that sort of goes unsung. know, it’s not the sexy stuff where you’re investing and making a bunch of money for your income beneficiaries and managing to preserve the corpus for your principal or your remainder beneficiaries. And it’s certainly not the personal interaction that you’re doing with your beneficiary day to day. Making distributions, helping them, seeing the product of that help. It’s the making sure you file ax returns are properly. Understanding how to read that tax return. Even if you’re not preparing it, making a proper selection on the accountant that you’re using to prepare those tax returns if you’re not preparing it. Make sure to set up statements properly, make sure that in this world of silent trust documents that you’re not sending a statement to somebody who’s not supposed to have it. Communicating with beneficiaries on an even keel. Making sure that you’re not inadvertently violating your duty of impartiality because it’s more than just a substantive duty, there’s a procedural duty as well. That’s really, really challenging to find within one human being, let alone add on top of it somebody who’s financially savvy enough to understand investments and all of the different complex investment tools that are out there, as well as having the personality and the interpersonal skills to keep beneficiaries engaged and happy. Frazer Rice (13:56.426)Just on top of that, the EQ, the bedside manner, and the ability to simplify the complex, et cetera. At the same time, that dedicated note taker that is able to document everything that happens within a decision. Whether distribution or investment or otherwise, that it’s just two different people most times. I find that something falls apart as time goes on. Ultimately if things aren’t laid out correctly, that’s when conflict starts to simmer. Then you know if there is something that’s wrong. That’s allowed to compound that’s where you get into a huge problem later on. Jennifer Zelvin McCloskey (14:36.922)It’s all that feeling. People are behaving in ways that they may or may not be able to articulate their emotional proximity to. When you’re talking with beneficiaries. There’s something simmering under the surface that you inherited because you’re a trustee. You may not even be aware of it because the beneficiaries may not even be able to articulate it. You have to have a certain sense. A gut check of feelings of rntuitively being able to read what’s going on under the surface. To pull it out of people in a very balanced and even keel way. It’s not an easy job by any stretch of the imagination. On top of financial literacy and personal liability and executive functioning skills, being detail oriented, making sure your documentation is not overly explicit. isn’t, you know, scarce. You’re now wondering how and why did you make those decisions? People don’t think about the decisions that they make on a day to day basis. We don’t think in a way to articulate why I made this decision. Why I exercised this type of judgment. And that’s what we’re being asked to do as trustees is to document what is my decision making process? Why am I making the decision? What are my factors involved in making that decision in a way that’s defensible. If we ever need to defend it. Frazer Rice (16:05.292)Well, in favoring one class of people over another is usually where the rubber hits the road on this. People who are used to seeing the income from a trust and don’t want that touched come hell or high water. Then future beneficiaries who’d like to see the trust go from X to 2X to 5X. So that they have something larger to enjoy. You have a natural tension that you have to manage. It’s just not easy. If you don’t document the hows and whys of what you’re doing, you set yourself up for a problem. From one class or another looking at you saying, you you should have done it differently. To go back to that liability component. You’re the only one who sits in the chair of having made that decision. You’re the one with the bullseye on your back when it’s called to account. Jennifer Zelvin McCloskey (16:53.093)That’s right, that is exactly right. And now add on top of it, you’re just named because you’re Uncle Joe and everybody goes to Uncle Joe. You have no technical background and you just don’t know the landmines that are there. You don’t know what you don’t know. Wouldn’t it be wonderful if we were able to create a pipeline of really sophisticated entry level employees or folks that are, you know sophisticated in financial literacy that now want to take the job to become trustees, that we were able to give them this technical roadmap for what the job actually is and then have them get the ability to apprentice on all of those policies and procedures. What does this corporation do? How do we document things? When you’re trying to learn it all at one time, it’s like drinking from a fire hose. Let’s give people the ability to really have a chance at doing it successfully. Frazer Rice (17:53.048)So let’s dive into that pipeline issue for a second. We already diagnosed that the, let’s call it the trust companies or the banks are, they’re just not resourced enough. They can’t run people through an internal school to do it quote unquote correctly. The apprentice model really kicks in. Which means you’re at the sort of mercy of what people are good at, not good at, et cetera. People turn over quickly so that apprenticeship doesn’t even work anymore. The RIAs I think are the worst place to learn about this type of thing. They have a completely different modus operandi as far as keeping clients happy. The word fiduciary means something so different to them than it does to an actual trustee. I wouldn’t feel good about the training on that front to sort of create trustees And then so law schools. They’re they’re just trying to create people the trust in the states vertical as a general matter. Let alone trying to delineate into a trustee situation. You’re putting the pipeline together and you put these programs together. How do you stitch together the needs and what does that manifest itself into? Jennifer Zelvin McCloskey (19:07.642)So that’s a really, really good question. I think that the very first place that we start with answering that question is advising on a trust as an attorney. It’s different from the administration of a trust and the skills that you need for that. So when you create a program like this where you’re trying to teach about trust management. You have to start with the technical skill. The legal side of what is it that we’re even doing? What is a trust? What are the fiduciary duties? Where do they come from? Then we have to, after we teach or create a structure or foundation on what the legality is. Now we go into how does this translate into administration? So when I created the programs, I looked at what’s the law they need to know? What is the level of sophistication of the student? And what do I need to, from a foundational perspective, teach first? What are the building blocks? And then how do I translate that into administration? The one thing that I have found is trust law does not equal investment management. So if people are coming along… Frazer Rice (20:26.254)No question. I’m nodding audibly at that comment. I like that. Jennifer Zelvin McCloskey (20:31.226)Your fiduciary duties as a trustee are fundamentally different than those of an RIA, where some RIAs are not even fiduciaries by law. They’re not. So being able to delineate and explain where that line is, what makes you a fiduciary, what are those duties, after you know the legal basics. And taught to you at a level that you can understand. I don’t expect everybody to be a lawyer. And people have asked me time and time again, do I need to be a lawyer to know this? No, you don’t need to be a lawyer because you’re not advising on the law. You’re advising on the administration of a legal structure and how that administration affects the fiduciary duties that are inherent in the relationship. Then how those fiduciary duties are translated out to the beneficiary. That’s the way that I’ve always built these programs. Where do I start? Start with the law. Where do I go from there? Start with how the administration translates the law. And then how does that administration get heard by the beneficiary? Where does the RIA come into the mix? The RIA should not be dabbling in advising on trusts. They should know that they need to bring in somebody who has this particular skill. And if they’re not doing that, they’re doing the client a disservice by trying to give one-stop shop advice. Frazer Rice (22:06.85)Yep, no question about it. One of the things that…we delve into the world of trusts and their function, et cetera, is that you’re dealing with an ecosystem from client to outside advisor, whether RIA or even accountant, et cetera, that they’re looking for certainty and airtight. quality to these structures that you put them in place and then everything runs like a clock going forward. When in actuality, I think there is a bandwidth of risk around everything. And so it’s the poor trust officer or individual trustee who sometimes has to be the bearer of bad news to say, yeah, you know, I think this is going to work 98 % of the time, but there’s a 2 % problem here or we’ve got this to fix or something like that and everybody else sort of sighs with disappointment and gets mad at the administrative function when in actuality they’re really doing their job and trying to, you know, keep a lot of things that are spinning out of control kind of within view. How do you get a trust officer or that administrative function or even the full trustee function to be comfortable with that risk and everything that’s involved with that? Jennifer Zelvin McCloskey (23:20.504)You have to start with explaining that there is risk and we’re not our job is not as a trustee to eliminate risk. Our job is to manage and identify risk. It is inherent in the job. There is going to be risk. No matter what you do, you cannot divorce risk from trusteeship. It’s a matter of identifying perceived risk and actual risk. And if you can teach that, if you can teach These are the things that are going to trigger a likely outcome. They’re gonna trigger a likely risk. Then you can essentially, you can’t foresee everything. I mean, there are things that are just gonna happen. But in a trust instrument, you’ve got contingency plan upon contingency plan upon contingency plan. That’s what the flexibility of those structures are building. We need to, as trustees, be able to recognize What is the risk with contingency plan A? The risk with B? What is the risk with C? How can we minimize the risk? And how can we make sure that we’re managing perception of risk versus actual risk? Frazer Rice (24:29.31)as someone who’s been in trust companies, advised trust companies, advised trustees, and advised clients, the lack of appreciation for the management of that risk and that that as the intersection of the business model of trusteeship and risk management and use of discretion and making hard decisions and even kind of an insurance quality around these structures, how do you fix that, where people place a level of respect on the job that I think is completely lacking in the wealth management ecosystem? Jennifer Zelvin McCloskey (25:09.089)Absolutely. It’s a tough one to answer. How do you fix it? First and foremost, I think that it’s a top-down fix, especially at a corporate trust company, a bank, and even an independent trust company that’s not affiliated with a bank. The management has to… really understand the function of the trust company. For so long, it’s been just an extra service that we provide and and we’ll do this, the back office trust company. It’s really, really important that the management recognizes what the functionality of the trust company is and stops treating it as sort of a back office stepchild. From the corporate level, I think that’s the very first place we start. Frazer Rice (25:38.478)Mm-hmm. Jennifer Zelvin McCloskey (25:57.818)The second place we start is investing in our trust officers, investing in the team, giving them the education that they need, continuing to give them education, providing training programs, whether they be in-house, external, bring in trainers. None of this is set it and forget it. At the individual level, I think it’s really, really important to have functions like the Individual Trustee Alliance, groups like that, where you have an ability to talk to other professionals that are doing what you’re doing. That’s another way to impress upon people that we have to manage the risk and we can’t do it all alone. Nobody knows everything. You really have to, you have to talk to other people. You have to engage. have to, what is it called when we were practicing law and we’re a little bit outside of our comfort zone, we have to consult with other people who know more than we do. It’s our obligation as lawyers. It’s the same thing with a trust company, with a trustee, whether you’re an individual or you’re not. Widen that circle. Frazer Rice (27:08.474)I think this is my idea for the day that there’s got to be a bit of a public relations campaign sort of describing what’s going on here because I think especially when we go into the family members that sort of occupy these roles, they have no earthly idea what they’re doing. They’re usually doing it for free. Everything’s hunky dory up until a point and everyone hopes that everyone is not going to sue each other if something goes wrong. But the level of wealth that’s being transferred now is now so significant that everyone sort of talks about, AI is going to get rid of lawyers. Nope, not in fiduciary litigation. I think that’s a medium term growth industry, especially around insurance, around ILITs, around revocable trusts, around elder care. But this is my advertisement for people who are in law school looking for a productive way to go. I think that one is going to be, I think that one’s recession proof, at least for a while until I retire anyway. So my thought is that awareness over these things, and it’s probably going to take a very difficult case or a class action suit, something like that, where somebody really gets hurt in order for that awareness to come up. Jennifer Zelvin McCloskey (28:24.922)Yeah, I would agree. think that some of the solutions would include better trust education, you know, whether it be for RIAs, lawyers. Trust in the states is a throwaway class in law school. And there are so many law schools that are essentially rolling it back because bar exams aren’t testing it anymore in a variety of states. And ACTEC is definitely working with the law schools to try and increase trust in the states being taught and certainly being tested. So education for lawyers coming out of law school, education for RIAs that are advising on trusts, education for trust officers, for trust administrators, trust professionals in general, clear role delineation. What is the role of the RIA? The role of the trust officer? What is the role of the trustee if they’re an individual trustee? And then creating a culture of collaboration on what we’re doing as a team for the beneficiary, not substitution, but collaboration with the advisors and the trustees. Frazer Rice (29:32.59)Let’s go into the role delineation for a second. About 20 or 30 years ago, the concept of bifurcating or sort of cordoning off the different functions I described before the investment, the administration and the distribution has come into vogue. I think that came out of frustration with bank trust companies where you got one set of advice for every trust that they had as far as investments and distributions and administration and a lot of modern larger families wanted something a little bit more specific to their needs. And that’s really turned, it’s exploded as an industry for increasing sophistication and size of wealth. Along those different functions, where maybe the administration goes to a professional trust company or a trust officer in the state that you want, Then there’s some intersection maybe in the distribution committee. And then the investment side of it is a bit of a free for all, think, depending on what you’re, dealing with. How do you educate the, that continued the delineation, but the coordination within those types of structures. Jennifer Zelvin McCloskey (30:41.275)Yeah, I think it’s really important. And I’m a Delaware lawyer. I’m licensed in multiple states, but Delaware is my home. It’s where I learned how to be a lawyer. It’s where I grew up as a lawyer. So this directed trust model that you’re describing, where you’re bifurcating, truly bifurcating these particular functionalities of a trustee, it originated in Delaware. sort of, we didn’t, I mean, we invented it, right? We codified it. It was being done, but we codified it. The idea of making sure that everybody understands what their function is and knowing that there’s a limit of liability that’s built into the instrument and communicating what that means to the RIA that is named in the document. I can’t tell you how many times I have heard companies, heard trust companies say, we’re advisor friendly. And I’m like, not unless you’re directed, you’re not. Frazer Rice (31:37.528) “THE TRUSTEE CRISIS: Navigating the Challenges”Yeah. Jennifer Zelvin McCloskey (31:40.439)If you are directed, you are 100 % advisor friendly because there’s no chance that that trustee is going to try and take the investment management. They’re not a portfolio manager. Not a clerical administrator. They’re not a passive rule follower. We need to identify what does that trustee actually do when they are an administrative or directed trustee. Clarify that role so that people who are engaged in this bifurcation, this structure where we’ve got a distribution committee, maybe it’s individuals who are close to the family, close to the beneficiaries, where you don’t have somebody who’s objectively uninvolved with the family members making decisions as to whether or not there’s a distribution that should be made. But also advising those rolls those advisors that your administrative trustee is not just a pencil put a paper pusher. Not just checking boxes. They really do add value to the role that they provide and making sure that everybody understands what each other are doing, having regular meetings amongst the team instead of operating in a vacuum or operating in a silo. And taking the approach of it’s not my job, misunderstanding trustee powers and the advisor’s authority. So when that’s delineated, when that’s really understood, not just by the advisors, but also by the beneficiaries, there are so many beneficiaries out there, Frazer, that have absolutely no idea that they actually hold all the cards. They don’t know. Frazer Rice (33:25.87)Along that line, so in the administrative, we just walked through pretty nicely. The distribution function is one that, let’s talk a little bit for a second about what it means to ask a trustee for a distribution and maybe the difference between income and principal and why having a steady hand at the wheel within that function, whether it’s a corporate trust company of qualified individual or family input in that function, why real good thought needs to go into how that’s staffed. Jennifer Zelvin McCloskey (34:04.73)Yeah, absolutely. 100%. In a corporate trustee ship or a corporate trust company structure, there’s always going to be distribution committees, right? So if you are the trustee, you’re going to have to go through a committee that’s looking at what your reasoning is for making that distribution. They’re asking questions about what have been the prior distributions? Have they come from principal? Have they come from income? What is the spend rate on that trust? How is this going to affect long-term spend rate? Is this an aberration? Is this something that’s gonna become a habit? Really understanding what the distribution, the guidelines are in the trust. What is the distribution standard? Making that decision? What are our factors? And how many people are at the table? Who’s communicating that to the beneficiary? Does the beneficiary know that the trust officer alone does not have the ability to say yes or no? That when they’re in this ecosystem of a corporate trust company, they have their checks and balances to make sure that that risk is being managed. So when you’re looking at corporate trust companies, are a lot of layers behind understanding what the distribution standard is, whether it’s hems or if it’s purely discretionary. The other thing that you need to look at when it’s not a corporate trustee and it’s an individual trustee is, how is that individual trustee making that decision? Are they doing it in a vacuum? Alone? Are they favoring one beneficiary over another because they like them more, you need to have some communication to the beneficiaries so that they understand what they are, what their interest is, what they are entitled to, if anything, and why the trustee stands in that position as the gatekeeper. And I really think in my heart of hearts, we need to make a shift from a gatekeeper trustee Jennifer Zelvin McCloskey (36:16.708)to a beneficiary enhancement trustee, where the beneficiary is really taking on the understanding that the trustee is there to facilitate enhancing the beneficiary’s life. That even though the trust may have started at the outset as a tax strategy or something that the grantor decided they needed to do with the advice of counsel. At the end of the day, you wouldn’t have been named as the beneficiary if there wasn’t some sense of love or obligation even, that it’s for your benefit. It’s in the name. Beneficiary. Trustees need to understand that and beneficiaries need to be taught. Frazer Rice (36:54.958)Right. Frazer Rice (37:00.646)And it goes to the circle back to the notion of making sure that you write down the whys of the decision because ultimately if the concepts of favoritism or you didn’t communicate this or anything, the idea of having the beneficiary submit a budget but having them understand why they are submitting a budget and then if there is some discretion that’s happening around that decision that the data points that are informing that discretion, that’s gonna keep everybody safe a lot later on. Jennifer Zelvin McCloskey (37:32.666)Absolutely. I break it down into a couple of different factors. It’s fiduciary decision making. How is that fiduciary making the decisions they’re making? Why are they making those decisions? And who is being affected by the decisions? Document interpretation. Do you understand the document that you’re administering? If you don’t understand the document you’re administering, hopefully best case scenario, you know what you don’t know and you ask. But if you don’t understand the document and you don’t even have the wherewithal to say, hey, I need help to understand the document, it’s really problematic. The third part, balancing beneficiary interests. Really taking on board this idea of the principal income problem that all the assets in the trust are not the same. That some of it doesn’t at all in any way affect a certain class of beneficiaries. And at the same time, it’s inextricably intertwined in the way that it affects another class of beneficiaries. And then risk management and governance. How is this being governed? How are we managing perceived and actual risk as a trustee? Frazer Rice (38:40.13)The investment function, which I alluded to before, I see storm clouds on that horizon, not really at the RIA level, because I think there’s sort of a default mode that investment policy statements are in place. Diversification is a true commodity at this point. And I never really worry about an RIA sort of understanding how to invest to get to a certain expected return and deal with the risks and drawdown and all that stuff. The storm cloud I see is when individuals sit in that role and they are being tasked with, let’s call it quote unquote, overseeing concentration, meaning that trust is holding a building, farmland, a nuclear reactor, crypto, all of these different things that sometimes can be, A, they have their own different maintenance responsibilities that are not just looking at a fidelity statement, but that they also have their own volatility And, you know, in the case of a building, you got to make sure it’s managed correctly. are they going to get sued or the windows kept up, all of that stuff, and that there’s a whole different component there. And I’m waiting for the shoe to drop on some fact pattern there where somebody is sitting in the role of an investment advisor. It doesn’t say trustee in the document, so they don’t really think that they have trustee liability. But. they sit in that role and all of a sudden somebody finds 10 55 gallon drums of green fluid in the basement of a building and all of a sudden the trust has a big set of red brackets that say minus $100 million that you owe to the federal government and the EPA. How do you think about that? Jennifer Zelvin McCloskey (40:21.454)Hmm. Jennifer Zelvin McCloskey (40:25.242)That’s a heavy question. so the Delaware stock answer, obviously, direct it, right? It’s just to get the trust, cut off the liability. At the first, at the inception of your hypothetical is bad drafting, right? So if there’s no statement as to whether or not your investment advisor is acting as a fiduciary or not, Frazer Rice (40:35.042)Right. Jennifer Zelvin McCloskey (40:52.836)What does your statute say? Does your statute impose that they are as a default a fiduciary or not? So that’s the very first step. That’s bad drafting. We need to know. But if it’s silent, let’s say it’s just a lousy document, there’s, God knows. Anybody who’s seen trust documents knows that, you’ve seen them all, right? And everything in between. Some are good, some are bad. If this is a bad one. Frazer Rice (41:13.08)Seen good and you’ve seen bad. Jennifer Zelvin McCloskey (41:20.079)Then we need to document the statute. If we can correct it, modify the document, let’s modify it. But if all of that can’t happen, then I would say the best way to handle it, make sure you have adequate insurance. mean, over-insure that, over-insure it. Make sure that there’s regular checks on the actual… Assets that are in the trust, if you have a concentration and that concentration is real estate, get the advice of counsel, put that bad boy into an LLC, get yourself some distance from the actual asset itself being held in the trust, hold an interest, hold a financial interest, push it down to the corporate level. But if you can’t do all of that and you’ve got those 500 gallon drums of green fluid and now you’re… Frazer Rice (42:14.286)You Jennifer Zelvin McCloskey (42:15.371)You you’ve got a super fun site. What do you do? You don’t shy away from it. Have to address it head on. You got to take the accountability. You got to communicate and document, communicate and document some more. Talk to your beneficiaries. Make sure that they’re aware of where it went wrong, why it went wrong. Because I have found in my exposure in the industry over time and in reading case law, it’s when you’re trying to cover stuff up. Frazer Rice (42:43.913)Jennifer Zelvin McCloskey (42:44.027)You’re just making more problems. Bad news doesn’t age well. It doesn’t get better over time. You have to approach it head on and make sure that there’s communication and documentation. Meet with your beneficiaries. If there’s a trusteeship where you are appointed as a trustee individually and you’re not having at least quarterly meetings with your beneficiaries, If you’re not going out and seeing the asset, if you’re not going out and making sure that the asset is properly custodyed, you’re not, you’re violating your fiduciary duty. You are not doing what you’re supposed to do. Frazer Rice (43:21.804)You brought up an interesting word there, custody, which is the administrative function, whether held corporately or individually, one of the major things you have to do is to safeguard the assets. And that’s a big two syllable word that carries a lot of weight with it. That custodial function, how do you teach the trust officers or the individual trustees where that starts and stops? Jennifer Zelvin McCloskey (43:48.579)Yeah, mean, custody is super, it’s a really touchy, touchy subject, especially with the dynamic way that trusts have developed in the current climate from tangibles. You know, I’ve got artwork and my beneficiary wants to hang the artwork in their house. Well, do you have custody? Has it been assigned to the trustee and how do you maintain that asset? Make sure nothing’s happening to it. Do make an appointment, go over to the, visit your artwork? What if it’s prize horses, you know? What if it’s, you know, a stud that, you know, we’re gonna need to breed and it’s gonna be the next Triple Crown winner? How do you make sure that the barn is properly safeguarded? It’s a really touchy subject, especially with things like tangibles and things like assets held away when you technically custody the asset, but you don’t have control over the asset. I think in the education part for custodying, what I do in my programs and when I teach this is I make sure that we talk about different types of asset classes. And what the risks, again, what are the risks that you run with these asset classes? How can we manage the actual and the perceived risk of holding that asset? Even if you have custody and name only, but you don’t have physical custody, how do you maintain your control over that asset? Because it’s really the C’s, right? The custody and control. Just because you don’t have custody doesn’t mean you don’t have control. So we have to make sure that there’s an education that’s provided about the different asset classes, whether it’s tangibles, intangibles, assets held away, if it’s a concentration of stock, if it’s crypto, and most trust companies are not taking crypto. I think that there’s like a circuitous way that they’re getting in right now, but it all boils down to education, isolating what the issue is and educating people on it. Frazer Rice (45:59.586)I’ll give you a third C, it’s consequences, which is what happens when you don’t understand these functions. on the crypto side of things, Jennifer Zelvin McCloskey (46:01.786)Uhhh Frazer Rice (46:11.544)Holds the key to get to the crypto. What happens if that trust officer quits and walks away with the key and they’re like, well, multi-sigil figure this out. I’m like, okay, that’s not that. That doesn’t make me feel great at the moment. And now there have been some advances, which is good, but traps for the unwary to be sure. the good news too for crypto is for people who want exposure, the spot ETFs take away 90 % of the problems with that. But as we start to think about winding down here, because I have a feeling we could probably talk for four or five hours on this subject, when putting your programs together, what does a curriculum look like? And we don’t have to go through it bit by bit, but how does that work when someone comes to your program? How much time does it take? What’s the commitment? Jennifer Zelvin McCloskey (46:47.172)Yeah, I think so. Frazer Rice (46:54.851)Mm-hmm. Jennifer Zelvin McCloskey (47:06.33)So the program that I created that’s really available anywhere across the country is called the Peak Trust Management Certificate Program. Peak Trust Company, may be familiar with it. They have name rights because they gave the donation to the University of Delaware for me to build the program. So it’s housed at the Lerner College at the University of Delaware, but bears the name of Peak Trust Company. I look at five different things. The first thing is trust law and administration. So like I said previously when we were talking, you lay that foundation of what is the legal component of this? What is the baseline that people have to know? And then what is the administration? The second component is, and it’s inextricably intertwined as taxation. What is the income tax? What are the deductions? And now let’s take all of that income tax knowledge, individual income tax knowledge, and build on it with fiduciary income tax. What is DNI? What is FAI? How does it go out to the beneficiary? What’s the character of the distribution? How do we manage that? What are we deducting in the trust? So teaching taxation and not because trustees necessarily are tax preparers, but because the trustees obligation is to be able to understand and read that tax return, they need to know how to spot problems. So from my perspective, teaching fiduciary income tax is a critical component. It also helps. Yeah. Frazer Rice (48:38.828)No, no, I was gonna say no question about that. And there are elections to make, just because it doesn’t just go on autopilot, there are choices to be made so that if you’re the trustee, you may not have to prepare the tax return, but you may have to make a choice on the tax return and you’ve got to be informed because that can be an issue. Jennifer Zelvin McCloskey (48:58.651)65 day elections, perfect example, right? You just, you need to understand what your role is and how it overlaps with that of the CPA. The third part, of course, investments. Investments are inextricably intertwined, whether you’re doing it yourself as the trustee or you’re directed or even delegated, which is like the hairy scaries of every trusteeship known to man, because you’re not actually in control, but you’re responsible. So it’s the gray. When I build a program, because of the, you know, the directed trusteeship being so popular in today’s day and age, we have to talk about not just investments of, you know, marketable securities, not just the custody of tangibles, but also subscription documents, because so many alternatives are held in trust right now. unique assets, need to know how the trustee is actually carrying out their fiduciary duty when it comes to engaging in an investment that is an alternative investment. The fourth component is of course compliance. We cannot ever get away from compliance and I think we could do a whole nother podcast on compliance in trusteeship but. You know, it’s a regulated entity. And even if you’re an individual trustee and you’re not using what those compliance frameworks are, what the guidelines are by OCC, Reg 9, FDIC, if you’re not looking at that and using that as a guideline, don’t do the job. understanding KYC, BSA, AML, all of those compliance components that have tentacles. That’s the fourth part. And then for the fifth part of this program, because it’s specifically geared toward trustee education in trust companies, although it can be applicable, very applicable to individuals, is operations. I was very fortunate that I was able to partner with SCI on building the operations component. So we license their platform called Plato. It’s essentially their training platform. Jennifer Zelvin McCloskey (51:12.888)so that trustees can see how fees are set up, fees, that’s a whole other podcast, fees, statements, distributions, how are we doing this? How are we documenting everything? What are the logistics of the day-to-day operations? So that’s how I built the program and it’s available anywhere in the country. It’s 10 weeks, how long does it take? I would say from three to five hours a week of an investment that you’re making at a bare minimum. Obviously there’s a whole lot more of depth that you can go into. The resources are built in. But I would say 10 weeks, about 50 hours of time where you’re actually engaging with the material. And then I bring in guest lecturers on each different area of expertise for lack of a better description. And they get a certificate at the end, they get a digital badge, and now they really have something where they can add value day one in a trust company or as a trustee. Frazer Rice (52:17.902)With Delaware being, you one of the real gold standards as far as trust jurisdiction, I assume that everything that comes out of this program is pretty transportable to the other useful jurisdictions, let’s call it, within the country. know, the Tennessee’s, the South Dakota’s, the Nevada’s, the Alaska’s, Wyoming’s, New Hampshire’s, et cetera. Obviously, there are hairs to split with different foibles in their law, but everything that you’re describing sounds like works everywhere else. Jennifer Zelvin McCloskey (52:47.928)And I’ve always taken the approach, you’re 100 % correct, I’ve always taken the approach of UTC. I base everything off of UTC and if there’s something different or unique based upon the jurisdiction that you’re in, I always encourage people you have to look at your statute, you have to look at the jurisdiction that you’re actually practicing this in and administering in. I use Delaware, South Dakota, Alaska as examples quite often when we’re talking about the directed stuff, but By and large, it’s UTC. Frazer Rice (53:20.966)It just a weird subset. So special needs trusts and islets, which are two types of trusts, very specific. One holds life insurance. The other is designed to really take care of people who can’t take care of themselves. And they are types of trusts that a lot of trust companies don’t like to take on because the liability is harder or the profit margin is less. For those individuals who get the opportunity to participate in those and I put that in air quotes. How would you advise people to get ready for those types of situations? Jennifer Zelvin McCloskey (53:58.308)People who are in need of those types of trusts. Frazer Rice (54:02.122)Well, maybe both. The people who need those trusts, you know, they’re going to, they, you know, it’s almost like they get set up and then the staffing gets kind of figured out later, barely. And then, you know, the, for the people who end up taking on that role, they really have no idea of what they’re in for in a sense. Is there sort of like a mini, I’m not going to say a full course like you’re describing, but a crash course in, in what’s going on here and what can I do to keep myself safe? Jennifer Zelvin McCloskey (54:30.271)Unfortunately, no, I don’t know of one. and there isn’t much built in. there’s, we talk about a little bit in the program that I built, but, those are specialized and eyelets we talk about a little bit more there, you eyelets had their day and sort of they has done ish. but special needs trust. It’s a whole other ball game because It really incorporates state law and social security and Medicaid, all of those government benefits that I think you would need something more specialized than my program that I developed. And I don’t have a great answer for that, I’m sorry. Frazer Rice (55:12.482)No, there’s not a great answer for it because it’s tough. it’s a, all of which is to say for someone who’s involved with those things and feels confused by what’s going on, that’s one where it’s worth it to spend the money to lean on a dedicated Medicaid elder care, special needs type of lawyer on that front because there are traps for the unwary. Okay, now we’re starting to butt up against an hour here of. Jennifer Zelvin McCloskey (55:29.764)Yes . . . Frazer Rice (55:38.827)Four hours. No, I’m kidding listeners. We’re not going to talk for four hours, but How do people find your program and and then I’ll ask a bonus question at the end Jennifer Zelvin McCloskey (55:49.339)So the program is on the University of Delaware’s website. You just type in peak trust management certificate and it’ll pop up. My name will be there. I think my picture might be there. It’s all over my LinkedIn. So if you look me up, you’re going to see the peak trust management certificate program. You can always email me, jennifer at zeldenlaw.com. Happy to push people into it. start, I’m in the new cohort right now. We’re two weeks into a 10 week program. But we have a new cohort starting in May. I think it’s May 4th. So may the fourth be with you. Frazer Rice (56:24.622)Terrific. So the final question here is really more of a crystal ball question. In this trust industry, trustee industry, what are the real, I’m going to say opportunities out there, and we’ve sort of painted a picture of doom and gloom and its low profit margin and things like that. Where can someone who is thinking from a business perspective about this find something? Once they’re properly educated about it and being able to participate in it. Jennifer Zelvin McCloskey (56:57.582)There are so many opportunities. There is an absolute need for good trustees everywhere. Trust companies from coast to coast, individual trustee alliance. People really, really need trustees. There’s tremendous opportunity with Heritage Institute, not the Heritage Foundation, but the Heritage Institute. There’s opportunities with…various family offices and various trust companies for education, for beneficiary education. So many opportunities out there. Trust companies are just clamoring for people. So if people are interested in becoming a trustee, getting that education, you will not have a hard time finding a job. Like you said, it’s basically recession proof. This wealth is going to transfer. We need sophisticated, knowledgeable trustees. on the receiving end of that transfer so that it happens correctly. Frazer Rice (57:56.578)I’d go so far as to say financial advisors. I just gotta say, a CFP is useful, CFA is on your investment side, but something like this, you know so much more about how intergenerational wealth works than what’s happening in those particular situations that I think it helps people stand out when I see something like that on a resume. Jennifer Zelvin McCloskey (58:00.302) “THE TRUSTEE CRISIS: Navigating the Challenges”That’s all the podcast. I hear you. I hear you. Frazer Rice (58:24.386) “THE TRUSTEE CRISIS: Navigating the Challenges”All right, with that, Jennifer, it’s great to catch up and I will have all of your information on the show notes and I will either see you at the ITA conference in Dallas or what I’m down in Delaware next. More Around “THE TRUSTEE CRISIS: Navigating the Challenges” BUILDING A TRUST COMPANY TENNESSEE AS A JURISDICTION DIRECTED TRUSTEES DELAWARE WELL BEING TRUST THE TRUSTEE CRISIS: Navigating the Challenges https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Keywords for THE TRUSTEE CRISIS: Navigating the Challenges trusteeship, wealth transfer, trust management, fiduciary duties, trust education, estate planning, risk management, trust administration, individual trustees, trust companies, the trustee crisis, navigating the challenges, the great wealth transfer,

In the final hour Jeff reads his letter to Julia and then is reminded why we miss ol' Uncle Joe.

In this powerful Q&A episode, Uncle Joe and I tackle one of the most common — and emotionally charged — challenges men face: feeling disrespected by their wives and not knowing how to respond without escalating the situation. We unpack why reacting in anger never works, why most men were never taught conflict resolution skills, and how to move from emotional reactivity to grounded leadership.   Uncle Joe also shares his raw personal story — three failed marriages, a radical transformation in faith, and what it really means to earn respect instead of demanding it. If you've ever struggled with triggers, short fuses, or feeling misunderstood at home, this episode will give you both tactical tools and deeper perspective.     Timeline Summary [1:02] Reintroducing Uncle Joe and the story behind his name [4:11] Three failed marriages and the transformation that followed  [10:59] The marriage question: What do you do when you feel disrespected?  [15:52] Why most men were never taught conflict resolution  [18:23] Fighting for what you don't want vs. clearly stating what you do want  [19:58] Creating rules of engagement for healthy conflict  [22:13] Knowing your triggers and lengthening your fuse  [28:27] Respect is earned through leadership, not demanded  [31:57] Real peace isn't the absence of chaos — it's stability in the storm      Five Key Takeaways Most men were never taught healthy conflict resolution — it's a skill you must intentionally learn. When you argue for what you don't want, you create more confusion — clarity changes everything. Emotional triggers are rarely just about your spouse — they're often tied to your own story. Respect in marriage grows when you lead consistently and earn trust daily. Real peace is developed internally — not dependent on external calm.       Links & Resources Roommates to Soulmates Cohort & Preview Call: https://thedadedge.com/soulmates Episode Link & Resources: https://thedadedge.com/1447   Closing   If you're struggling with triggers, short fuses, or feeling disrespected at home — don't ignore it and don't explode over it.   Learn the skill. Do the work. Lead first.   If this episode helped you, make sure you rate, review, follow, and share it with another dad who needs it.   Go out and live legendary.

Over the last week, Southern California lost of the of the great DJs, "Uncle" Joe Benson. Uncle Joe was on KLSX, The Sound, Arrow and 95.5 KLOS. Rita and CW Both worked with Joe for many years. Unfortunately the mystery of life moved Joe onto different pastures in the past week. This is just a very brief show talking about how Joe includenced not only Rita and CW, but the radio listeners.  If you are interested in some of the other interviews we did with DJs that Rita and CW worked with, we suggest that you listen to our show with KLOS' morning show: Mark and Brian or our show with the legendary Steve Downes.  More radio shows can be found on YouTube or where every you find great podcasts!  

Memories of J.C. Holdway from his sister, Juanita Holdway Evans; Chef Joseph Lenn; and her daughter, Emily Lenn. Fred Saucepan shares Joe and Janette Carter's Chow Chow recipe and kitchen memories. Today, I went to the deep freeze and pulled out a recording that I made in 2016 with Chef Joseph Lenn, Joseph's mother (Emily Lenn), and a late friend of mine, Juanita Evans, who was Joseph Lenn's grandmother and the sister of J.C. Holdway. J.C. Holdway is the namesake of the downtown Knoxville restaurant created by Chef Joseph Lenn and named after his Uncle Joe. The restaurant, J.C. Holdway, has been in the news lately, receiving the prestigious designation of “Recommended” by the renowned Michelin Guide in its inaugural regional publication of restaurants in the Southeast. Chef Lenn is also a James Beard Award–winning chef. I thought it would be a great time to play this recording we made together before he opened his restaurant. I (Amy Campbell) am an artist, and I wanted to paint a portrait of Uncle Joe as a kind of encouraging gift to Chef Lenn before the restaurant was created. You may have seen that painting, along with my portraits of Allan Benton, Eugenia Duke, Bill Best, and John Coykendall at J.C. Holdway.Keep scrolling to see those images below. We also hear a recording by Fred Saucepan with memories from Janette and Joe Carter (children of A.P. and Sara Carter of the original band The Carter Family) as he shares their recipe for Chow Chow.

In this Q&A episode, Uncle Joe and I dive into one of the most common—and misunderstood—struggles in marriage: emotional connection. We respond to a powerful question from Alex, a husband who genuinely wants to show up better for his wife but feels stuck, unsure how to respond to her emotions, and frustrated that his efforts don't seem to land.   This conversation breaks down why men default to "fix-it mode," why that instinct actually creates disconnection, and how emotional safety—not solutions—is what most women are truly seeking. We unpack practical, real-world skills for listening, validating, and reconnecting with your wife, especially after years of habit and complacency. If your wife has ever said, "I don't feel connected to you," this episode will give you clarity, direction, and a better way forward.     Timeline Summary [0:00] Introduction [1:02] Opening conversation about Valentine's Day and intentional connection [2:55] Alex's question about building emotional connection with his wife [4:10] Hearing hard feedback: "I don't feel connected or loved" [5:14] How long-term habits quietly shape marriage dynamics [6:03] Why men feel uncomfortable with big emotions [7:12] The difference between fixing problems and creating connection [8:10] Why women share emotions—to feel seen, not saved [9:00] Transactional conversations vs. emotional safety [10:14] Joe explains why feedback is actually a gift [10:59] Pebbles vs. boulders and minimizing your wife's feelings [11:56] Why "it's not a big deal" damages trust [12:17] Understanding how your wife feels loved [13:19] Acts of service and practical ways to reduce her stress [14:11] Real-life example of how small actions rebuild connection [15:19] Curiosity as the foundation of emotional intimacy [16:46] Leading with humility and listening through awkward silence [17:31] Treating your wife like you did when you first dated [19:02] Complacency as the silent killer of attraction [20:13] Why long-term relationships require intentional effort [21:09] Being challenged as an act of love [22:11] Brotherhood, faith, and the mission of the Dad Edge Alliance [23:08] Invitation to the Dad Edge Alliance preview call [23:47] Closing encouragement and next steps     Five Key Takeaways Emotional connection is built through presence, not problem-solving. Fixing minimizes feelings—listening creates safety. What feels small to you may feel huge to your wife. Curiosity and humility rebuild intimacy faster than tactics. Treating your wife like you did in the beginning keeps the relationship alive.     Links & Resources Dad Edge Alliance Preview Call (RSVP): http://thedadedge.com/preview Dad Edge Alliance (Marriage, Parenting, Health, Leadership): https://thedadedge.com/alliance Episode Show Notes & Resources: https://thedadedge.com/1438     Closing Remark If this episode gave you language or perspective you didn't have before, please rate, review, follow, and share the podcast. Emotional connection isn't about being perfect—it's about being present, curious, and consistent. From my heart to yours, go out and live legendary.

In this live Q&A episode, Uncle Joe and I tackle some of the heaviest—and most common—situations men face inside marriage: supporting a wife through serious mental health challenges, staying grounded when divorce is still on the table, and learning how to lead with consistency instead of panic.   We respond to real questions from men inside the Dad Edge Alliance who are walking through postpartum depression, PMDD, emotional volatility, and marital uncertainty. This conversation is about becoming an advocate instead of a victim, choosing consistency over crisis-mode behavior, and learning how to lead yourself well—regardless of whether your marriage outcome is guaranteed. If you're in a season where hope feels thin and the work feels exhausting, this episode will remind you what leadership actually looks like when things are hard.     Timeline Summary [000] Opening reflections on fatherhood, sleepless nights, and perspective [3:18] Setting expectations for live Q&A and imperfect conversations [4:41] Corey's question: supporting a wife with postpartum depression and PMDD [6:19] Understanding PMDD as a hormonal sensitivity disorder [8:33] Why mood shifts are not character flaws or choices [9:58] Becoming an advocate instead of minimizing mental health struggles [11:05] Practical leadership: nutrition, structure, and reducing stress [12:25] Why a man's emotional and spiritual health matters most in crisis [13:10] Research on spiritual disciplines and emotional regulation [14:11] Becoming a "merchant of hope" in your household [15:00] Why men must take care of their inner world first [16:02] Corey shares his early experience inside the Dad Edge Alliance [17:02] Playing the long game and resisting discouragement [18:07] Using brotherhood instead of isolation [18:48] Announcement: Dad Edge Alliance preview call [20:15] Where to find episode resources and symptom notes [21:05] Second question: staying consistent while divorce is still mentioned [24:56] Identifying behaviors that contributed to marital breakdown [26:04] Why wives wait to see if change is real [27:16] Consistency as a non-negotiable value [28:46] Doing the work regardless of outcome [31:01] Why self-led change benefits you no matter what [32:24] Showing up as a grounded, playful, present father [33:37] Why it often gets worse before it gets better     Five Key Takeaways Mental health struggles are not character flaws, and leadership starts with education and empathy. Consistency builds trust, especially when a spouse is waiting for the "other shoe to drop." Men must do the work for themselves first, not as a strategy to save a marriage. Hope is contagious, but only if the man leading the home is grounded and regulated. Brotherhood prevents isolation, especially when marriage feels uncertain.   Links & Resources Dad Edge Alliance Preview Call (RSVP): https://thedadedge.com/preview Dad Edge Alliance (Marriage, Parenting, Health, Leadership): https://thedadedge.com/alliance All Episode Notes & Symptom Resources (Google Doc): https://docs.google.com/document/d/1_4GeLtmhvbZg-ZzKvBWQyz5aneCcHCYOYfD-r0uzNnE/edit?usp=sharing Episode Show Notes & Resources: https://thedadedge.com/1435     Closing Remark If you're walking through a season where leadership feels heavy and outcomes feel uncertain, remember this: your consistency, integrity, and growth still matter. Thank you for being men who show up, ask hard questions, and refuse to drift. From my heart to yours—keep going, and live legendary.

Connecting with teenage daughters can feel like trying to break through a locked door—especially when rejection, distance, and silence start to replace the closeness you once had. In this Q&A episode, I'm joined by Uncle Joe as we tackle two deeply relatable questions from dads who are doing their best but feel stuck, unsure, and disconnected.   We dive into what it really takes to win a teenage daughter's heart without forcing connection, why consistency matters more than instant results, and how dads can stop taking rejection personally while still staying emotionally available. We also address marriage and money decisions, showing how curiosity, values, and asking better questions can transform conflict into teamwork. This episode is packed with wisdom, reassurance, and practical strategies for dads who refuse to give up on their kids or their marriage.     Timeline Summary [0:00] Welcoming listeners to the final Q&A episode of January 2026 [2:37] A dad's question about connecting with his 14-year-old daughter [4:10] Why teenage girls often pull away during adolescence [4:33] Recommended reading: Strong Fathers, Strong Daughters [5:12] Learning what matters to your daughter to win her heart [6:35] Why genuine interest builds emotional safety [7:16] Consistency over comfort when facing rejection [8:08] Not internalizing rejection from teenage daughters [8:57] How facial expressions communicate disappointment [9:15] "Aim for the heart" and understanding a child's unique wiring [10:19] Engaging with your daughter's interests without trying to be "cool" [11:21] Alliance member perspective on grit and perseverance [12:37] Why daughters notice effort even when they don't respond [13:03] Dr. Lisa Damour's insights on never giving up [14:08] Why your daughter will remember whether you stayed or quit [15:11] Second question: marriage, money, and trust [16:34] How "telling" shuts down conversations with your wife [17:08] Leading with curiosity instead of control [18:10] Asking questions that invite reflection and teamwork [19:36] Validating your wife's values before problem-solving [21:11] Enabling vs. empowering family members [23:23] Using shared family values as a decision-making framework [26:18] Why aligned values reduce conflict in marriage [29:18] Faith, provision, and living out core values [30:57] Resources for dads raising teenagers [31:16] Where to find all episode links and next steps     Five Key Takeaways Winning a teenage daughter's heart requires consistency, not instant validation.  Rejection isn't personal—it's developmental, and dads must stay steady through it.  Genuine curiosity builds connection far more than control or correction.  Asking better questions reduces marriage conflict, especially around money and family decisions.  Shared values create clarity, alignment, and peace in family decision-making.      Links & Resources Guiding Teenage Girls Into Adulthood (Dad Edge Episode): https://thedadedge.com/guiding-teenage-girls-into-adulthood-with-dr-lisa-damour/ Dr. Lisa Damour Website: https://drlisadamour.com/ Dr. Lisa Damour on Instagram: https://www.instagram.com/lisa.damour/ Dr. Lisa Damour on YouTube: https://www.youtube.com/playlist?list=PLSt8mu1taNYAHTufbYwqglFHoevbZgNQl Dr. Lisa Damour on Twitter/X: https://twitter.com/Ldamour Dr. Lisa Damour on Facebook: https://www.facebook.com/lisadamourphd Dr. Lisa Damour Podcast: https://drlisadamour.com/resources/podcast/ How to Manage a Meltdown (PDF): https://drlisadamour.com/wp-content/uploads/2022/03/LD_Bookmarks_How_to_Manage_a_Meltdown.pdf Meg Meeker on The Dad Edge Podcast: https://thedadedge.com/meg-meeker/ Episode Show Notes & Resources: https://thedadedge.com/1432   Closing Remark If this episode encouraged you to stay the course with your kids or approach your marriage with more curiosity and patience, please rate, review, follow, and share the podcast. Your consistency today becomes your children's security tomorrow. Go out and live legendary.

In this Q&A episode, I'm joined once again by Uncle Joe for a deep, honest conversation around one of the most painful places a man can find himself—feeling unwanted, disconnected, and hopeless in his marriage. We respond to a question from a husband who hasn't felt physical or emotional connection from his wife in over two years, and we unpack what really breaks down in marriages long before intimacy disappears.   This conversation goes far beyond surface-level advice. We talk about why most men were never trained for marriage, how resentment quietly builds, why treating marriage like a contract destroys connection, and how changing your internal narrative can shift everything. We also bring in perspectives from men inside the Dad Edge Alliance to show how humility, coachability, and intentional skill-building can restore trust, safety, and leadership at home. If your marriage feels distant or stuck, this episode offers clarity, hope, and a path forward.     Timeline Summary [0:00] Welcoming listeners to the third Q&A episode of January 2026 [1:19] Uncle Joe returns and the power of community-driven wisdom [2:13] Introducing a listener's marriage question about rejection and hopelessness [2:55] Why only 12% of married couples report feeling deeply connected [3:33] Asking the most important question: what have you actually learned about marriage? [4:26] Joe reflects on personal failure, divorce, and hard-earned lessons [5:14] Why hope exists if attraction once existed [5:35] How complacency and busyness quietly push marriage to the back burner [6:02] Marriage compared to learning an instrument—you can't wing it [7:21] Resentment, skill gaps, and whether marriages can truly be restored [8:05] Marriage as a covenant, not a contract [8:55] How destructive inner narratives shape behavior and connection [9:43] Transactional expectations and why they kill intimacy [10:41] Why "nice guy" energy erodes respect and attraction [11:30] Listening to understand instead of listening to defend [12:12] Mutual submission, humility, and shared leadership in marriage [13:15] Alliance member insight on asking for feedback from your wife [14:16] Faith, unity, and intentionally doing life together [15:49] Receiving feedback without ego or defensiveness [17:14] Emotional bank accounts and the power of daily deposits [18:50] Gottman's 5:1 and 10:1 ratios for healthy marriages [19:40] Giving your wife permission to coach you [20:45] Why conflict isn't the enemy—avoidance is [22:00] Reframing the role of a wife as a strengthener, not a subordinate [23:17] "It's not me vs. you, it's us vs. the problem" [23:43] Larry shares a personal season of anger and choosing humility [25:16] How couples can build something better than what they had before [25:51] Episode wrap-up and where to find resources     Five Key Takeaways Most men were never taught how to lead a marriage, and guessing your way through it creates disconnection.  Marriage breaks down through narratives and resentment long before intimacy disappears.  Treating marriage like a covenant—not a contract—changes everything.  Emotional deposits made consistently rebuild trust and safety over time.  When couples unite against the problem instead of each other, restoration becomes possible.      Links & Resources Dad Edge Alliance: https://thedadedge.com/alliance The Legendary Marriage Book: https://thedadedge.com/legendarybook Episode Show Notes & Resources: https://thedadedge.com/1429     Closing Remark If this episode resonated with where you're at in your marriage, please rate, review, follow, and share the podcast. You don't have to figure this out alone—skill-building, humility, and brotherhood can change the direction of your marriage and your family. From my heart to yours, go out and live legendary.

We're kicking off a brand-new year with something many of you have asked for—the return of our live Q&A episodes. In this conversation, I'm joined once again by Uncle Joe as we answer real questions from men inside our community about parenting, connection with daughters, discipline, stoicism, faith, and leadership at home.   This episode goes deep. We talk about building trust with kids who feel distant, why saying "no" too often damages connection, how fathers can lead without demanding reciprocity, and the difference between white-knuckling life versus living from identity. If you're a dad who wants deeper relationships with your kids and clarity around leadership, faith, and emotional presence, this episode will challenge and ground you.   Timeline Summary [0:00] Welcoming listeners to the 11th year of The Dad Edge Podcast. [1:37] Reflection on longevity, gratitude, and why this work still matters. [1:59] Announcement: Roommates to Soulmates eight-week course starting January 14. [2:19] What men will learn in the Roommates to Soulmates marriage training. [2:42] RSVP details for the January 7 preview call. [3:07] Welcoming Uncle Joe back to the show. [3:39] Listener question about connecting with daughters at different developmental stages. [5:14] Joe shares his experience raising three daughters. [6:33] Loving kids without expecting emotional reciprocation. [7:16] Why trust—not control—is the foundation of fatherhood. [8:08] Changing the default answer from "no" to "yes." [9:19] Joe shares the powerful "father promise ring" moment with his daughter. [10:41] Why fathers must make covenants to their kids—not demand them. [12:26] Larry shares his struggle connecting with his youngest son. [13:26] Letting kids lead connection through their interests. [14:12] Hiking, martial arts, and intentional one-on-one time. [15:19] Creating unique rituals with each child. [16:03] Capturing small moments for deep emotional connection. [18:12] Invitation to join the Dad Edge Alliance for live support and brotherhood. [19:51] Listener question about stoicism and discipline. [21:27] Larry explains why he moved away from stoicism. [22:29] Joe breaks down the appeal—and danger—of half-truths in stoicism. [24:07] White-knuckling life vs. living from identity. [25:00] Faith, identity, and emotional regulation. [27:28] Comparing stoicism with surrender and relationship-based leadership. [29:05] Psalm 23 and why dependence beats self-mastery. [31:30] Filtering wisdom through Scripture and lived experience. [34:41] How suffering builds empathy and leadership capacity. [35:19] Final thoughts, gratitude, and where to find resources.     Five Key Takeaways Connection with kids is built through trust, consistency, and presence—not control.  Fathers must lead relationships without demanding emotional repayment.  White-knuckling discipline leads to exhaustion; identity-based leadership leads to peace.  Kids feel deeply seen when dads meet them inside their interests.  True strength comes from surrender, faith, and relational grounding—not self-reliance alone.      Links & Resources Dad Edge Mastermind & Alliance: https://thedadedge.com/mastermind Roommates to Soulmates Course: https://thedadedge.com/soulmates Episode Show Notes & Resources: https://thedadedge.com/1423     Closing Remark   If this episode encouraged you, challenged your thinking, or gave you practical tools to lead better at home, please rate, review, follow, and share the podcast. These conversations matter—and your support helps us reach more men who are committed to becoming better fathers, husbands, and leaders.

In the final episode of 2025, I take time to reflect, express deep gratitude, and share what's coming next for The Dad Edge as we head into 2026. This episode is about honoring what this community has built together over the past ten years, celebrating the wins, and casting a clear vision for what's ahead for men who want to lead their families with intention.   I walk you through several major announcements—from the return of Wednesday Q&A with Uncle Joe, to our brand-new Dad Edge Alliance membership platform, upcoming marriage and health initiatives, and powerful in-person experiences like Men's Forge. This episode is both a thank-you and a rallying cry for men who are ready to step into the next year with clarity, purpose, and brotherhood.     Timeline Summary: [0:00] Welcoming listeners and reflecting on the final episode of 2025. [1:23] Celebrating 10 full years of podcasting and the growth of The Dad Edge. [1:41] Gratitude for listeners, downloads, and being ranked #1 again. [2:22] Why fatherhood, marriage, and family are the most important work we do. [2:56] A heartfelt thank-you to the community for showing up all year. [3:13] Announcement: Wednesday Q&A episodes return with Uncle Joe in 2026. [3:49] How to submit your questions for the Q&A episodes via email. [4:06] Introducing the brand-new Dad Edge Alliance membership site. [4:49] Why moving away from Facebook, Slack, and WhatsApp changed everything. [5:24] Weekly call teams and global time-zone support for members. [5:47] January focus inside the Alliance: marriage, parenting, vitality, and money. [6:26] February marriage training focused on intimacy, passion, and connection. [6:44] Partnership with 1st Phorm and upcoming health initiatives. [7:18] Announcement of the 8-week transformation challenge starting February 1. [7:55] Coaching, accountability, and community inside the challenge. [8:54] Information call for the Roommates to Soulmates live course. [9:14] What the Roommates to Soulmates course will teach men about marriage. [10:02] Larry shares his personal experience with marriage disconnection. [10:39] Men's Forge announcement with Ryan Michler and Order of Man. [11:01] Event dates, speakers, and why nearly everyone returned from last year. [11:56] "Bring a Brother" and "Bring a Son" ticket options. [12:12] Why exposing teenage sons to intentional masculinity matters. [13:10] Announcing the December Dad Edge 1st Phorm Man of the Month. [13:55] Recognizing Shay Chase for leadership and health coaching impact. [14:39] Directing listeners to the full show notes and resources. [15:01] Final thank-you and encouragement heading into 2026.     Five Key Takeaways: Intentional fatherhood creates generational impact, and this community exists to raise the standard for men.  Brotherhood and accountability matter, especially when men are navigating marriage, parenting, health, and finances.  Marriage requires skill-building and leadership, not passive hope that things will improve.  Physical health fuels leadership at home, and structured challenges create momentum and consistency.  The next year can look different if men commit to standards, community, and intentional action.      Links & Resources Dad Edge Alliance Membership: https://thedadedge.com Roommates to Soulmates Course: https://thedadedge.com/soulmates 1st Phorm Partnership: https://1stphorm.com/dadedge Episode Show Notes & Resources: https://thedadedge.com/1421     Closing Remark Gentlemen, thank you for an incredible 2025. Thank you for showing up, doing the work, and choosing to lead your families with intention. My hope is that we bring even more men to this table in 2026 so we can continue to change lives, marriages, and families for the better. Go out and live legendary.

And you said there's nothing to get your Uncle Joe!!! Evan has planned a perfect for gift for all Mets fans. Whether it's for your mom, dad, kids, uncles, cousins, or just yourself. Get ready for the 2026 Mets season on the road. The Rewatch Episode is returning. This year we will have two rewatches. The first will take us all the way back to 1986, Game 6 of the World Series. To rewatch follow the link • 1986 World Series, Game 6: Red Sox @ Mets Please like, rate, follow, favorite or subscribe to Rico Brogna here: ⁠https://link.chtbl.com/RicoBrogna⁠ Email TheRicoB@gmail.com To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Whitney is fired up about Oprah's recent podcast about going no contact. She also responds to a Mel Robbins/Karl Pillemer article titled "Life is Too Short to Fight With Your Family." She breaks down why these narratives are harmful, who they're really speaking to (and who they're ignoring), and the problematic assumptions embedded in questions like "where did you get this idea from?” Whitney challenges the toxic positivity of telling people to accept mistreatment from family, questions why we're not writing these articles to Uncle Joe who's being racist at Thanksgiving, and explains why "just accept and move on" advice completely misses the mark.Oprah's podcast: Oprah Explores the Rising Trend of Going No Contact with Your FamilyMel Robbin and Karl Pillemer article: https://www.nytimes.com/2025/11/26/opinion/thanksgiving-family-fighting.html Whitney Goodman is a Licensed Marriage and Family Therapist (LMFT) and the founder of Calling Home, a membership community that helps people navigate complex family dynamics and break harmful cycles. Have a question for Whitney? Send a voice memo or email to whitney@callinghome.co Join the Family Cyclebreakers Club⁠⁠ Follow Whitney on Instagram | sitwithwhit Follow Whitney on YouTube | @whitneygoodmanlmft ⁠⁠Order Whitney's book, Toxic Positivity Learn more about ad choices. Visit podcast.choices.com/adchoices This podcast is for informational purposes only and is not a substitute for professional mental health advice. 03:31 Oprah's podcast 45:05 The Mel Robbins' NYT article 58:15 Taking a break in December Learn more about your ad choices. Visit podcastchoices.com/adchoices

Covino & Rich laugh about Uncle Joe's botched Tickle Me Elmo scheme! 'MIKE'S WORDS OF WISDOM' looks for a winner & they talk Bad Bunny. Was Devin Williams 'broken' by Pete Alonso & now joins him on same team? Plus, 'MID WEAK MAJOR,' & LeBron's double-digit streak causes debate! See omnystudio.com/listener for privacy information.

In this podventure, we discuss the episode “The Last Shall be First,” in which Connie tries to convince Uncle Joe that he isn't too old for church, and Jimmy learns a lesson in fairness. Also, a real smoothie, soda discovery fountain emporium, and the stock market.Editor's Note: Due to some water damage on my computer that necessitated a two week stint at the repair shop, this episode is posting a teensy bit late. Thank you for your patience!

The holiday season is a time for joy, connection… and let's be honest, a whole lot of pie. From pecan to pumpkin to the classic apple pie, our plates tend to get fuller as the year winds down. On a recent Late Night Health interview, host Mark Allen sat down with Pamela Nisevich Bede — six-time author, marathoner, and nutrition expert with Abbott's Lingo program — to talk about how to enjoy holiday favorites without derailing your health goals.  Pamela explains that while overindulging is common this time of year, you don't have to choose between celebration and wellness. Turkey, for example, is a great source of lean protein, and many holiday dishes can be enjoyed guilt-free with just a little strategy. One of her most surprising tips? What you eat first matters. Starting your meal with vegetables, protein, and healthy fats can help stabilize your glucose before digging into carb-heavy favorites. Mood also plays a big role during holiday gatherings — especially when navigating family dynamics. Pamela notes that mood is closely tied to glucose stability. By keeping blood sugar steady, you're better able to stay focused, energized, and emotionally balanced (even when Uncle Joe pushes your buttons).  A new tool making this easier is Lingo by Abbott, an over-the-counter continuous glucose monitor that helps you understand how foods affect your body in real time. No prescription needed. With Lingo, she says, people can “take the guesswork out of wellness” and see what actually works for their unique metabolism.   And yes — you can still enjoy dessert. Pamela recommends taking a 10–20 minute walk after that slice of pie. Your muscles will use the incoming glucose for fuel, helping keep your energy up instead of sending you straight to the couch for an after-dinner nap.   To learn more, visit HelloLingo.com. #HolidayHealth #HealthyHolidays #NutritionTips #GlucoseHealth #LingoByAbbott #WellnessJourney #HolidayEating #LateNightHealth Become a supporter of this podcast: https://www.spreaker.com/podcast/late-night-health-radio--2804369/support.

The holiday season is a time for joy, connection… and let's be honest, a whole lot of pie. From pecan to pumpkin to the classic apple pie, our plates tend to get fuller as the year winds down. On a recent Late Night Health interview, host Mark Allen sat down with Pamela Nisevich Bede — six-time author, marathoner, and nutrition expert with Abbott's Lingo program — to talk about how to enjoy holiday favorites without derailing your health goals.  Pamela explains that while overindulging is common this time of year, you don't have to choose between celebration and wellness. Turkey, for example, is a great source of lean protein, and many holiday dishes can be enjoyed guilt-free with just a little strategy. One of her most surprising tips? What you eat first matters. Starting your meal with vegetables, protein, and healthy fats can help stabilize your glucose before digging into carb-heavy favorites. Mood also plays a big role during holiday gatherings — especially when navigating family dynamics. Pamela notes that mood is closely tied to glucose stability. By keeping blood sugar steady, you're better able to stay focused, energized, and emotionally balanced (even when Uncle Joe pushes your buttons).  A new tool making this easier is Lingo by Abbott, an over-the-counter continuous glucose monitor that helps you understand how foods affect your body in real time. No prescription needed. With Lingo, she says, people can “take the guesswork out of wellness” and see what actually works for their unique metabolism.   And yes — you can still enjoy dessert. Pamela recommends taking a 10–20 minute walk after that slice of pie. Your muscles will use the incoming glucose for fuel, helping keep your energy up instead of sending you straight to the couch for an after-dinner nap.   To learn more, visit HelloLingo.com. #HolidayHealth #HealthyHolidays #NutritionTips #GlucoseHealth #LingoByAbbott #WellnessJourney #HolidayEating #LateNightHealth Become a supporter of this podcast: https://www.spreaker.com/podcast/late-night-health-radio--2804369/support.

BravoCon weekend has finally arrived and we will be covering it all weekend. But first, Kathy Griffin reveals shocking never before heard info about Andy Cohen and we just cannot get enough. Gia and Uncle Joe and Luis and Joe and the whole rest of the clan come forward with moves we never saw coming now that the reconciliation plan is in full effect.  BravoCon RHONJ tea emerges. Denise Richards' ex, despite facing jail time, still wants all her money. Margaret has some harsh words for Teresa. VPR's second coming is in full effect and so very much more. As we said, BravoCon weekend has finally arrived. @behindvelvetrope @davidyontef Learn more about your ad choices. Visit megaphone.fm/adchoices

Memories of J.C. Holdway from his sister, Juanita Holdway Evans; Chef Joseph Lenn; and her daughter, Emily Lenn. Fred Saucepan shares Joe and Janette Carter's Chow Chow recipe and kitchen memories. Today, I went to the deep freeze and pulled out a recording that I made in 2016 with Chef Joseph Lenn, Joseph's mother (Emily Lenn), and a late friend of mine, Juanita Evans, who was Joseph Lenn's grandmother and the sister of J.C. Holdway. J.C. Holdway is the namesake of the downtown Knoxville restaurant created by Chef Joseph Lenn and named after his Uncle Joe. The restaurant, J.C. Holdway, has been in the news lately, receiving the prestigious designation of “Recommended” by the renowned Michelin Guide in its inaugural regional publication of restaurants in the Southeast.
Chef Lenn is also a James Beard Award–winning chef. I thought it would be a great time to play this recording we made together before he opened his restaurant. I am an artist, and I wanted to paint a portrait of Uncle Joe as a kind of encouraging gift to Chef Lenn before the restaurant was created. You may have seen that painting, along with my portraits of Allan Benton, Eugenia Duke, Bill Best, and John Coykendall at J.C. Holdway. We also hear a recording by Fred Saucepan with memories from Janette and Joe Carter (children of A.P. and Sara Carter of the original band The Carter Family) as he shares their recipe for Chow Chow. And I share news of the Resilient Farmer Fund fundraiser concert tonight (Nov. 15, 2025) at the Paramount Theatre in Bristol, TN/VA. Doors open at 6, and music starts at 7 p.m.

Thanksgiving is on the way, a time for delicious food, gratitude, and gathering with your favorite people. But what happens after the turkey coma sets in? Daniel and Krebs are here to help you turn those post-dinner hours into memorable fun! We're discussing our top recommendations for games that are perfect for mixed-age groups, big player counts, and everything from casual laughs to light strategy. Tune in to find out which games you'll want to bring to the table this year, ensuring your holiday is full of laughter and friendly competition. We cover fast-paced party games to get the energy up, cooperative crowd-pleasers, and quick-to-teach classics that even Uncle Joe can master after his second slice of pie!

48 Hours correspondent Anne-Marie Green and CBS News correspondent Nikki Battiste discuss the case of Joe Shymanski, who was reported missing by his ex-wife, Heather Snyder. His remains were later found near the home of Heather's ex-boyfriend, Brandon Holbrook. In a strange twist, Nikki shares that she grew up with Heather, what it was like to reunite with her for an exclusive interview, and the jury's reaction to Heather pleading the fifth at Holbrook's trial. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

A young woman mourns her uncle's murder…and questions whether the convicted killer was the only one involved.  Nikki Battiste reports. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

The Icy Hot Bowl did not disappoint!

Connected TV is no longer just a buzzword in the ad world — it's where the industry is being reinvented. Audiences aren't just watching differently; they're shopping, engaging, and co-viewing in ways that open new creative doors for brands. And sitting at the intersection of entertainment and advertising is Roku, a company that's helping marketers meet these shifts head-on.In this episode of The Big Impression, Roku's VP of advertising, marketing & measurement, Sarah Harms, explains why the company is uniquely positioned as a publisher and an operating system. Episode TranscriptPlease note, this transcript  may contain minor inconsistencies compared to the episode audio.Damian Fowler (00:00):I'm Damian Fowler.Ilyse Liffreing (00:01):And I'm Ilyse Liffreing.Damian Fowler (00:02):And welcome to this edition of The Big Impression.Ilyse Liffreing (00:09):Today we're talking about how streaming and connected TV are transforming not just how we watch, but how brands connect with audiences.Damian Fowler (00:17):Our guest is Sarah Harms vice president of advertising, marketing and measurement at Roku. She leads the strategy behind Roku's advertising business, helping brands tap into streaming's growing audience while building smarter measurement tools along the way.Ilyse Liffreing (00:32):Before Roku, Sarah built her expertise across both the buy and sell sides of the industry with leadership roles at Microsoft XR and wpp giving her a unique perspective on how ad tech data and storytelling all come together on Connected tv.Damian Fowler (00:49):We'll talk about how Roku's helping brands of all scientists meet new viewer behaviors, build more effective campaigns, and push the creative boundaries of what's possible on CTV.Ilyse Liffreing (01:00):So let's get into it.Damian Fowler (01:03):So Sarah Roku is in a pretty unique spot right now, right? Between entertainment and ads with this latest brand or measurement move, what got it started? Was there an insight or audience need that really stood out to you?Sarah Harms (01:17):Yeah, so in my role I run ad marketing and measurement. So much of my job is us as a marketer, so marketing roku's, advertising proposition, but also in support of our marketers. And so that makes my job very fun. And so a lot of this conversation today, I'm going to go back and forth between my job as a marketer, but also my job in B2B advertising of driving marketers results on our platform. Something that's really fun about Roku is that we're a publisher, but we're also the largest operating system in the us. We see consumers come through our front door to get to the content they know and love and care about. And so that gives us a really rich canvas for supporting some of our marketers initiatives. And so for example, the Super Bowl was very fun for us, whether it was using our platform to drive traffic to Tuby or to build really fun brand experiences on our canvases.(02:13):So we had, when Sally met Hellman's and we had Hellman's and Roku City and we had the Super Bowl ad and a really lovely zone destination to drive shopping and drive purchases of Hellman's mayonnaise, which you really wouldn't expect from a television advertising experience. And so I think that was a fun one from us in supportive marketers. And then a whole part of my job is making sure our advertisers really know about the Roku experience. And so while it's B2B, it would be silly not to address them in a B2C capacity because our marketers could also be customers, the need to understand the value of the Roku experience even if they don't have a televisionDamian Fowler (02:53):From ro. Once you realize your customers could be businesses, consumers, or both, how did that shift your strategy? Did it change the way you approach things?Sarah Harms (03:01):I think it's just strategic use of our resources and a strategic use of our messaging. We certainly think the Roku experience as an operating system is delightful and easy and intuitive. We talk about how your mother-in-law can set it up herself as the example we always use. And so we certainly want our advertising customers to know that too because it really is a beautiful, elegant experience for advertising as well, for watching content.Ilyse Liffreing (03:28):So you've got such a big range of advertisers from big Fortune five hundreds to D two C brands to B2B. How do you build campaigns or measurements that flex for either of them but still stay true to your own approach?Sarah Harms (03:44):Great. So I'll address that as a speaking to the advertising community part of my job, we certainly are on a journey to evolve our strategy to be more flexible and meet our customers where they want us to be, whether it being in their buying platforms of choice or providing optionality to a D two C customer by giving them a very lightweight, intuitive self-service platform like Roku Ads Manager. And so I think a lot of it from a measurement standpoint is doing some education. I think some of the questions were ground around CTV is still somewhat new, but I don't know if it's new, but it's certainly new in the eyes of performance. And so it's a lot of education about how we can enable customers to drive true outcomes using connected television. And so whether it's ad manager or unique measurement integrations, shoppable formats, we really try to address all of thatIlyse Liffreing (04:36):Now. Streaming's completely changed how people watch from binging to co-viewing and basically everything in between. How do cultural or data trends help shape what you're doing on the platform?Sarah Harms (04:48):Yeah, I mean it's been so interesting to see it change even since the pandemic. I think for a long time CTV was synonymous with SVOD or subscription video on demand. We're very much seen that is not the case anymore. A majority of our households are using some form of A VOD, we're advertising video on demand. And so that trend coupled with live sports coming into CTV and streaming, it's really just driven a whole new slew of opportunities for advertising. And so off the back of that, that's more addressable, more accountable television because it is connected television. And so that's been fun from a education standpoint, it's been fun from a how do we enable our platform to address that and also how do we educate our customers from a measurement standpoint.Damian Fowler (05:37):So what's the ad experience like on Roku? You mentioned CTV and it sounds like there's a pretty wide mix of formats. Can you break that down a little more?Sarah Harms (05:46):I'd love to because I think that's again, where my role as a B2B marketer, it's of course helpful to inform our clients about our experiences then they might not have a Roku device or television. And so we think about our business in really two core buckets. We have the Roku experiences, which is our beautiful ui, so native home screen units, they're customized, they're elegant, and we have some of our more kind of viral experiences like Roku City, which is fun and delightful. We're now doing brand integrations there. But then on the other side, we're also a very scaled publisher. So the Roku channel continues to climb Nielsen's Gauge in terms of total TV content time. And so that is allowing us to be a very kind of open interoperable, performant publisher as well with standard video that's available programmatically. It's available with unique measurement integrations, and that's really our ecosystem being an interoperable partner in the space.Ilyse Liffreing (06:43):Roku City is that fun, animated screensaver, very purple that a lot of people see on their TVs. Can you tell us a little bit about it and the kinds of brands you're partnering with there?Sarah Harms (06:54):Yeah, so this has just been something really fun that's taken off. So Roku City is our interactive screensaver and people love it. I don't know if you see it every day, but it's cute, it's fun, it grabs your attention. We see that it's tweeted about every 12 minutes, so it is a viral experience and so much so that really our advertisers challenged us to think about it differently. And so now we have really a variety of advertisers coming into Roku City. So I gave the Hellman's example. We had Taylor Swift in Roku City. And so it's really just a fun, unique, totally differentiated advertising experience, but we tie it all to the rest of our assets.Damian Fowler (07:36):I heard somebody say this morning, performance media is kind of the baseline. Now with that in mind, how do you think about measuring engagement across all these different touch points that we've been talking about?Sarah Harms (07:46):Yeah, I mean, so much of my job on the measurement side of the house is education. And I think the challenge is that performance is in the eye of the beholder and CTV is still bought via a very different group of personas from a legacy television buyer all the way to someone that had been in social API partners and dipping their toe into CTV. And so performance is required, but it's really a matter of educating them on what that means to them and supporting them in their efforts. But what's great about CTV is its big beautiful television, but with all the addressability and accountability of digital.Damian Fowler (08:23):And on that point though, what is it that linear TV buyers still don't quite get about CTV?Sarah Harms (08:29):I think it's the ecosystem aspect of it all. I think television in the past was measured by a couple companies with a couple KPIs or just reach. And so I think this is where CTV has really unlocked really turnkey, always on easy to optimize measurement. That's very exciting.Ilyse Liffreing (08:48):So one thing we like to do on the show is pull our takeaways from the big campaigns. Are there any KPIs or success stories from the campaigns running on Roku that stand out to you?Sarah Harms (09:00):Yeah, so I think what's been fun is we see that we have opportunities for really kind of all verticals. Obviously Roku is born out of the media and entertainment industry, but we've expanded there. And so we really do have kind of a playbook for each vertical, but auto specifically comes to mind, which is a really exciting one. You don't really think of performance and auto on tv, but we've built kind of beautiful experiences like showrooms where you can configure cars, sign up for test drives. And so I think we've really changed the narrative there in terms of driving actions for that vertical all in a very big, beautiful, elegant canvas.Damian Fowler (09:37):Are there any other kind of surprises from your takeaways in terms of like, oh, that's popping. I never expected that.Sarah Harms (09:44):So for me, I don't carry a wallet. My phone is my wallet. And I think if you told me that five years ago, I would've never believed you. Similarly, I don't think anyone thought they'd be shopping with their television. That happens every day on our platform, and I think it's because of clients testing with us, but also it comes back to us as an operating system. And really our remote, it's a few buttons. It's really easy. We have a direct relationship with our customers from a billing perspective. And so the same way Apple Pay is just so easy now you can shop from your tv, which again seems insane, but maybe we'll be here in a couple years and we'll see so much direct shopping from televisions.Ilyse Liffreing (10:23):What about the interest from B2B brands? It just feels like that sector is really exploding across all categories, but CTV particularly.Sarah Harms (10:33):Yeah, I mean so much of my job as a B2B marketer is a lot of education and a lot of really, so much of our reframing away from being a walled garden to more of an open collaborative partner. And so much of it is doing, we talked in the press about our change away from doing a big new front event. We did more kind of small customized dinners instead just to make sure there is a very direct touch point, but also specifically cater to each client's needs. And so I think that's been more of our approach of making sure we do pointed conversations to address the nuances and needs of each customer.Ilyse Liffreing (11:12):And how was that new approach for you this year? I know a lot of brands are doing things a bit differently at the fronts. How did it go on your side?Sarah Harms (11:21):I think for us it's knowing the value of us as the operating system and having great content, but not being these content giants that have millions and millions and millions of dollars to spend on content. And so they should do a big show for us. We drive traffic to the big show. And so I think it was more about, yes, of course, talking about our amazing content and brand integrations there, but also acknowledging the integrations that each customer wanted, the platforms each customer wanted, and what we're doing for each of them in a really kind of catered way versus such a one to many message.Damian Fowler (11:57):You mentioned content earlier. Are you seeing any particular trends now? Anything that's really driving interest from certain categories or marketers?Sarah Harms (12:06):So we have our Roku originals, and we do very well in kind of holiday and home as you can expect, but I think this year in Cannes, you won't be in a meeting like this without talking about sports. And so we have sports rights, yes, but again, the value of the operating system, we've built sports zones to help make sport discoverable and findable. I always use the example of my husband's great Uncle Joe, diehard Yankees fan, can't find a Yankees game because it might be on four different places in five days. And so how can Roku as an operating system help in that regard? And so I think Roku is invested a ton in our infrastructure of driving curation of sports, but also we're very invested in what we call challenger sports, so National women's soccer league volleyball, stuff like that where they have really these die hard fan bases and they just want to find it. We're the destination to help them.Damian Fowler (13:01):We keep hearing it's not just about mass reach anymore, it's really about how well the audience, and the better you understand them, the better this whole thing works for both the platform and the advertiser. How do you see that playing out right now?Sarah Harms (13:13):Yeah, and they're loyal. They're diehard. They're big spenders sometimes. And so you want to kind of associate with yourself with such a kind of amazing, loyal fan base that's just so passionate about the sport.Ilyse Liffreing (13:26):So we have some quick questions for you now. So first of all, you've led both creative and analytical teams. What is one timeless truth about great advertising that cuts across both sides?Sarah Harms (13:41):First of all, it's a very fun aspect of my job having both kind of the marketing team and the measurement and analytics team. Two very different personas, but brilliant in their own ways. And so much of my focus since being here is making sure they're working together versus kind of two ships in the night with their own functions because we certainly have such amazing data, so we should use that to speak to the marketplace in a smart way. And so I think that's been really fun. I think they're getting to know the other side of the house and the creative thinkers versus the analytical thinkers like me pushing them to work together has been very fun. And I think with that in mind, a data informed approach is key. And so that's what really drew me to Roku was that opportunity of just this amazing data set that we have that we can use to optimize, but also to tell our story in a more elegant way.Damian Fowler (14:33):Now since you joined Roku, is there a favorite data point or piece of feedback that's really stuck with you?Sarah Harms (14:38):Yeah, well, I think what's interesting about my job is I should have been informing people like myself about the value of Roku. Before the process started of being recruited, I had a pretty antiquated view, the Roku advertising offering. So that's something that in getting here and in going through that process I learned so much more. I think my favorite might be that any given month, we see a user come through our front door about 25 days a month. And so that is an advertising opportunity to message our amazing footprint. But we see that on average an individual app is seven, maybe eight times a month. And so if you think about that, the reach potential, but also just the consumer habit of using our devices and seeing the messaging from our brands, I think is so compelling and something that really we're massive as it relates to our OS and footprint. And so we've designed these beautiful experiences to really account for that.Ilyse Liffreing (15:36):Now, Roku really helped pioneer the modern CTV ad experience. Is there a moment that's made you step back and think, wow, look how far the medium and your team really has come?Sarah Harms (15:49):I think the fact that the Super Bowl was really such a success story for streaming, I think we never thought the Super Bowl would be at that level, but it was streamed and it really streamable and really without a hitch, I think we've seen some live streaming events and there were some issues. I thought it was very well done. We were happy to support it. We drove some amazing traffic to Tubi. And so I just think 10 years ago, we never thought that would be the case. And so that's just been a fun thing to think about that and the Olympics and the Olympic zone that we built, just really elegant experiences and just changing television has been fun.Damian Fowler (16:32):And that's it for this edition of The Big Impression.Ilyse Liffreing (16:35):This show is produced by Molten Hart. Our theme is by Love and Caliber, and our associate producer is Sydney Cairns.Damian Fowler (16:41):And remember,Sarah Harms (16:43):A data informed approach is key. And so that's what really drew me to Roku.Damian Fowler (16:47):I'm Damian, and I'm we'll see you next time.   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome to the When Words Fail Music Speaks podcast that fights depression one chord at a time.In today's episode, host James Cox, sits down with seasoned songwriter‑producer Dennis Welch—a nearly‑70‑year‑old journeyman who's penned over 500 songs, toured the world, and been nominated on five Grammy ballots.From the first spark of a melody that woke James up in the middle of the night, to Dennis's secret weapon—restorative sleep and a steadfast daily power‑nap—the conversation drifts through a lifetime of creative breakthroughs, health hacks, and the raw, unglamorous moments that shaped a career.Listeners will hear the origin story of Dennis's debut album, the serendipitous restaurant encounter that birthed the Grammy‑track “Why Not Me,” and the heartbreaking yet uplifting tale of Mark Houser, a prolific lyricist who battled metastatic pancreatic cancer while still delivering two full albums.The duo also pulls back the curtain on the rise of house concerts, the quirky anecdotes that turned into hit songs (think “Uncle Joe”), and the deeper purpose behind Dennis's music; writing what people need to hear, not just what they want.Whether you're a songwriter hunting inspiration, a fan craving authentic storytelling, or anyone looking for the healing power of music, this episode offers a heartfelt roadmap—proving that even when life gets “bigger than us,” a good song can still light the way.Stay tuned, press play, and let the music speak.

In part one of this two-part episode, retired agent Donnie Brasco reviews his career navigating as an FBI agent with his infamous name and following in the footsteps of his uncle, legendary undercover agent Joe Pistone. Until now, most people were unaware of Donnie and Joe's family ties. I call it the worst-kept secret in the FBI. Joe drops in at the end of the episode to share why he chose the name "Donnie Brasco" for his alias. Donnie served in the FBI for 21 years. Check out episode show notes, photos, and related articles:  https://jerriwilliams.com/367-donnie-brasco-following-in-the-footsteps-of-uncle-joe-pistone-part-1/ Join my Reader Team to get the FBI Reading Resource - Books about the FBI, written by FBI agents, the 20 clichés about the FBI Reality Checklist, and to keep up to date on the FBI in books, TV, and movies via my monthly email. Join here. http://eepurl.com/dzCCmL  Buy me a coffee - https://www.buymeacoffee.com/JerriWilliams   Check out my FBI books, non-fiction and crime fiction, available as audiobooks, ebooks and paperbacks wherever books are sold. https://jerriwilliams.com/books/

You don't need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call“The Social Security Fairness Act ensures fairness for public servants who planned wisely in their careers — they should never be penalized for planning well.”⌚ Timestamps0:00 – Introduction: What Is the Social Security Fairness Act?0:36 – Storytime: From VCRs and Blockbuster to Uncle Joe's Last Acts2:08 – What Were WEP & GPO and Why Did They Exist?3:24 – Who Was Impacted: CSRS, Teachers, Police, Fire, Railroad Employees5:10 – Real-Life Examples: Clients and Back Payments (e.g., “Patty P.”)11:52 – When Did It Take Effect? (January 1, 2025)12:14 – SERS Offset Cases: How They Were Finally Fixed13:25 – Real-Life Wins: Who Benefited and Why It Matters13:50 – Health Tip: Surround Yourself with Healthy Influences14:53 – Couples Who Sweat Together Stay Together—Working Out with Loved Ones19:07 – Closing Thoughts and How to Get More from CD FinancialConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/Subscribe and Stay Updated: Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show

Do you have a lot of stuff? In this episode, Jonathan and Seth discuss the items they collect. Seth talks about his Uncle Joe, who was a hoarder (and we use that term seriously), and how he witnessed his uncle's attachment to his belongings, especially towards the end of his life. They talk a little about what we can do about all our "stuff", but more about what it means to be ready for Jesus' return by finding our security in Jesus' love for us rather than our belongings. We're glad you're with us! We'd love to hear what items you collect; we won't judge! And if you've had success thinning your hoard, we'd love to hear about that too. Because we're glad you're on this journey with us, wrestling with what it means to follow Christ in a complex world.

The Hometown Bluegrass Show — Episode #62“Family Harmonies & Bluegrass Stories”In this heartwarming episode, Josh kicks things off by singing a Merle Haggard classic with his youngest son — a special father-son duet you won't want to miss! Then we sit down for a fun and insightful conversation with longtime bluegrass musician and storyteller, Uncle Joe Clark. From festival memories to behind-the-scenes tales, Uncle Joe brings decades of tradition and laughter to the mic.

The crews of the Mercury and Prometheus prepare for a sleep cycle en-route to Boldibar but there is unrest. Kate is unsettled by the fact that her case, Thornton's and Jim's seem to have a common denominator. Barnes and Sam land at BWI and walk into a real shocker. Thornton and Scarlett meet with Uncle Joe to gather more intell on Meredith. Something awaits the Mercury and Prometheus as they clear the Boldibar Portal. It's all happening in Episode 277: "Phone Home." Learn more about your ad choices. Visit megaphone.fm/adchoices

Kate and Nelson continue to investigate the bombing and discover what the mysterious substance is that they found hidden in the floor. Barnes and Sam witness the gun exchange between McMillan and the Russian but they get interrupted. Thornton makes contact with Windsor's Uncle Joe while Hanaka and crew make a dash for an asteroid belt. It's all happening here in the beginning of season 12 "The Split". Learn more about your ad choices. Visit megaphone.fm/adchoices

John-David's world is turned upside down by the sudden loss of his beloved Uncle Joe, so Uncle Si, Martin, and Godwin show up in the most powerful ways—from covering John-David's shifts at the tackle shop to sharing stories, hugs, prayers, and plenty of tears. Si reflects on how faith gives us hope beyond the grave, and the boys are inspired to live the kind of life that's worth celebrating on both sides of eternity. Duck Call Room episode #448 is sponsored by: https://puretalk.com/duck — Get a FREE Samsung Galaxy phone with qualifying plan when you switch to Pure Talk! https://factormeals.com/duck50off — Get 50% off plus FREE shipping on your first box when you use code duck50off at checkout. Visit https://shopbeam.com/DUCK and use code DUCK to get our exclusive discount of up to 35% off. https://fastgrowingtrees.com/duck — Save up to half-off on select plants and use code DUCK at checkout to get an additional 15% off! - Learn more about your ad choices. Visit megaphone.fm/adchoices

Yes, Uncle Joe can't text. Dad has Facebook right where he wants them! Casino night pushed, Chef Jon vs Hot n Nerdy coming, and the very bad dream.GXT-