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Guy Winch shares the simple strategies for taking back control of your mind, energy, and attention from work. — YOU'LL LEARN — 1) How to stop rumination loops 2) The trick to dealing with difficult situations beyond your control 3) The overlooked key to build into your weekly schedule Subscribe or visit AwesomeAtYourJob.com/ep1141 for clickable versions of the links below. — ABOUT GUY — Guy Winch Ph.D. is an internationally renowned psychologist who advocates for integrating the science of emotional health into our daily lives. His science based self-help books have been translated into 30 languages and his 3 viral TED Talks have garnered over 35 million views. He advises start-ups in the mental health space, worked with the US and UK governments, and has created emotional health programs for fortune 500 companies. His work has been featured in the NY Times, WSJ, the Boston Globe, CNN, Time, Psychology Today, and other major outlets. He is the co-host of the Ambie Nominated Dear Therapists podcast. He lives and maintains a private practice in Manhattan.• Book: Mind Over Grind: How to Break Free When Work Hijacks Your Life• Substack: The Psychology Lab• Website: GuyWinch.com— RESOURCES MENTIONED IN THE SHOW — • Book: Eve: How the Female Body Drove 200 Million Years of Human Evolution by Cat Bohannon• Book: The Devil Emails at Midnight: What Good Leaders Can Learn From Bad Bosses by Mita Mallick— THANK YOU SPONSORS! — • Monarch.com. Get 50% off your first year on with the code AWESOME.• Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Shopify. Sign up for your $1/month trial at Shopify.com/better• Gusto. Get three months free when you run your first payroll with gusto.com/AWESOMESee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Keith explores how major geopolitical conflicts tend to reshape—not destroy—real estate markets, redirecting demand away from active war zones and toward safer, more stable regions. He explains how inflation, interest rates, and supply disruptions interact with property values over time, and why certain locations and asset types are more resilient than others. Investor and CEO Dani‑Lynn Robison, joins the conversation, to talk about building long-term wealth through "needs-based" real estate and the idea of a personal "wealth window" — the finite period when combining active income with compounding can have the biggest impact. They discuss the shift many investors make from being hands-on operators to more passive capital allocators, and why calm, long-term strategies focused on essential housing and services can help investors navigate uncertainty and technological change without panic. Resources: "Ready to see how these strategies could fit your own wealth plan? Book a free 20‑minute Capital Architecture Call with Dani‑Lynn's team—just text WINDOW to 66866 to get started. Episode Page: GetRichEducation.com/599 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, wars are extremely expensive. The one to $2 billion spent on the Iran war every day is stoking inflationary pressure. How do wars affect real estate and will values appreciate 10% or more this year? You'll get clear answers, then I'll speak with a woman that I entrust with my own funds today on Get Rich Education.   Corey Coates  0:34   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:17   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lendinggroup.com, that's Ridge lendinggroup.com.   Speaker 1  1:51   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:07   Welcome to GRE from Canterbury, England to Sunbury, Pennsylvania and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. How does war affect real estate? The war with Iran that began one month ago has really brought this to light. Now, a lot of armchair analysts and even some people with experience, they succumb to folly by having an emotionally driven hunch, as we like to say here at GRE take history over hunches. First look at what's actually happened historically, and at least let that inform the hunch Oh, and now you've brought pragmatism to the question of what happens to real estate in wartime. Now the latest war in the Middle East happened at a time where the existing picture is that US residential real estate prices are stable. Values are not rising or falling very much, and it's been rather slow overall and historically low transaction volume, fewer sellers and fewer buyers, and mortgage rates are near historic norms. I'll get back to us real estate shortly. But as you might imagine, real estate values that are actually in direct war zones, they get pummeled. So we're talking about many parts of the Middle East at this time in history, Iran, Israel, Lebanon, the UAE. In fact, values in the war zones collapse fast when there's physical danger. Properties can be damaged or totally leveled. Insurance becomes unavailable or meaningless, buyers disappear, liquidity dries up. The result is that prices fall hard, sometimes to near zero in active conflict zones. And that completely makes sense. I mean, would you want to make an offer to buy a property in an active war zone, I wouldn't now in safe regions that are adjacent to the war zone. Oh, the opposite has happened historically. Values surge because you've got refugees and migrants that flood into those nearby safer cities. Rental demand spikes immediately, and vacancy collapses. So in these adjacent safe areas, rents jump first, and then prices follow. In fact, when Russia invaded Ukraine back in 2022 this is exactly what happened across Eastern Europe. Cities like Warsaw Poland saw rent Spike. Almost overnight. All right, historically, what has war done to interest rates and inflation, like I alluded to last week, I think you already know that they both rise during wartime, and they sure are Now historically, war triggers energy shocks like oil and gas, and during this war, the energy shocks are greater than usual due to the Middle East being oil rich, war trigger supply chain disruptions and government spending surges. It's been well documented that the US has been spending one to $2 billion every single day on the war with Iran, and this is what can lead to that higher inflation and higher interest rates. And here's the tension for real estate, higher mortgage rates often put downward pressure on real estate prices, but yet inflation puts upward pressure on housing and all types of real assets. So the result there is this short term tug of war longer term, the real estate wins in inflation because it's a hard asset with debt attached. But back to the direct war zones, construction slows and supply tightens, and that's because war disrupts the very availability of labor and materials like steel and fuel and shipping developer confidence goes down the tubes too, and the result is that fewer homes get built, and then existing inventory becomes more valuable after the war, and this is The underappreciated force. Less supply later means higher prices later. Now let's talk outside the war zone. And before I do you know, gosh, it's amazing, whenever the US is involved in a war, it's almost never on American soil that's us hegemony and geography at work. There stuff's always getting blown up on the other side of the world. Rarely where I live in America, but here at home, military and government hubs can boom during war because the war spending is not spread out evenly. Defense contractors expand military bases, scale up logistics hubs get busier with that stuff. In mind, you can think then about which us locations can really boom with economic activity during wartime, as sad as it is for the active combatants and casualties, so the result is for the US to have localized housing boom, something that's often overlooked, but it's very real. And the big takeaway, and this is what most people miss, is that war does not crash real estate. It reroutes demand in destruction zones, there's collapse in safe, stable areas, like certain us regions, there's often a surge and on a national level in the US now, the result is mixed and resilient. And over time, inflation plus constrained supply plus population shifts tend to push values higher in the surviving markets. That is history over hunches. So then a better question than, how do wars affect real estate is instead, where does demand go next? That's a great question. Now, when you think about US military and defense corridors that benefit that's places like Tampa, Huntsville, Alabama, Norfolk, Virginia, and say, San Diego, because historically, defense budgets expand. Contractors hire aggressively and military personnel increases if higher mortgage rates persist and it keeps housing affordability strained, the winners tend to be lower cost resilient markets, places like Cleveland, Memphis and Kansas City. When the war with Iran began, 30 year mortgage rates were 5.98% and then they quickly shot up to about six and a half. They are still lower today than they were a year ago, even during geopolitical chaos, domestic migration really doesn't stop. People will keep piling into boring Sunbelt suburbs in Florida, Texas and Arizona. Now, if war causes domestic travel to drop in the US, and that's an if what happens historically is that short term rentals and hospitality driven real estate can get hurt. Think places like Las Vegas and Orlando. Now, let me have a word with you on interest rates. For a couple years now, people have talked with certainty about how mortgage rates and interest rates have all turned. Types are gonna go down like they've just gotta go down like it's a foregone conclusion or something. And as you know, all this time, I have been resolute in conveying the fact that you cannot predict interest rates with any certainty, and trying to spend time doing so is a fantastic way to waste your time, and sure enough, with a new war, rates rose, they didn't fall. I will forecast home prices, but no one can predict rates. Today, the Fed talks about increasing the rate more than cutting the rate. Now, inflation has been in this small range between two and a half and 3% for almost the year now, inflation has been above the Fed's 2% target. Do you realize this every single month for more than five years now, floating high for more than 60 months in a row before I discuss what Ward does to the rate of inflation.   Keith Weinhold  11:06   let me share something kind of humorous with you. My height of five feet, 11 inches. This is the most honest height that a man can be. Here. I am 511 I weigh 174 every other man of my height rounds up and says they're six feet tall. I'm telling you, heightflation among men is every bit as rampant as price inflation among consumers, but you don't have any choice in the price inflation, so History doesn't repeat, but it often rhymes. Back in the 1970s America experienced what some people call this famous double hump inflation, because in 1974 It peaked at over 12% and then just about five years later, you had another peak of almost 15% inflation and that ran into the beginning of 1980 back in the 70s, those inflation homes were caused by an oil embargo, Nixon, severing the dollar from gold and the Iranian Revolution. Yes, Iran back then too. All right, well, here in more modern times, could we experience a double hump again? Because we had the covid inflation wave that peaked in 2022 and next, could we have another inflation wave five or six years later, just like the 70s? Did you probably already know the story back then, that's when inflation only got crushed. How did we deal with it? Then when Fed Chair Paul Volcker ruthlessly jacked the Fed funds rate to near 20% and that made mortgage rates blast past 18% in 1981 yeah, that all makes today's mortgage rates sound rather adorable, doesn't it? The war with Iran, it is already the biggest oil supply disruption in history, more than double the previous record in the 1950s This is not a small deal. There's a real potential for inflation to spike higher. The oil supply shocks things, because oil is the master ingredient of the global economy. Even if the war winds down, it takes time for things to get back online, but really, the way to think of oil is the master ingredient, that's the way to think of it, the master ingredient. I mean, it's embedded in nearly everything except your morning coffee, plastics, chemicals, fertilizers, transportation. So like an economic octopus, oils. Tentacles extend everywhere. For example, higher fertilizer costs now mean higher food prices later and yep, eventually even your morning coffee, although the US does not rely directly on the Strait of Hormuz for oil, those prices are set on the global market. I myself sailed through the Strait of Hormuz in 2020 and it didn't feel so perilous to me then I was on a cruise ship. But in wartime, you don't want to be on an oil tanker. Why not? Well, it's just the slowest moving vehicle on Earth, packed with the most flammable liquid on earth through the most active war zone on Earth. About a week later, I also flew over the heart of Iran, and it is quite an inhospitable looking place, arid with tall mountains. In fact, they have the highest mountain in the Middle East there. It's called Mount damavanda, about 18,400 feet In Iran   Keith Weinhold  15:01   Dubai, real estate is not going to be the same for a long time, maybe ever. It's said. It's been bombed pretty often this year. So all of this is not ephemeral, what the US calls operation epic fury. It could elevate inflation for years. Wars are expensive, missiles, aircraft carriers, troop deployments, all the logistics, we are not going to pay for all of that with savings. Lol, let's all pause right now for the audience laughter. We don't have savings. We pay for it with debt, and the easiest way to pay for gigantic spending programs is to just quietly and sort of surreptitiously print more dollars. That's inflation. It dilutes every single dollar that you own now, every $20 bill in your wallet, every $100 in your savings account, inflation also debases every dollar of your real estate equity and every dollar in your stock portfolio. You'll remember that about six months ago, right here, I pointed out that though Trump says he wants low inflation, his behavior is highly inflationary. One thing to keep in mind is that, whether you like the President or not, what he does is when he sees the economy hurting, like with high gas prices or with the sinking stock market, what he does is he acts much like he did on tariff tweaks, but at some point it becomes too late to reverse course. You've got to ask, Have we cut rates too much? The Fed made rate cuts both last year and the year before, and meanwhile, a monetary puzzle keeps on brewing. The war could make things awkward, because we're supposed to have a new Fed chair, Kevin Warsh, coming in a month and a half. Trump wants him to lower rates, but if inflation heats up, the obvious solution is to jack up rates. US stock investors are already feeling it, because the indices entered correction territory last week due to the war a correction means a drop of 10% or more from a recent peak, and us real estate investors are well insulated. Like I said, long term high inflation boosts values. Rents are even more stable than prices and rents, as long as you're outside of the direct war zone, have very little relation to the war. But systemic supply chain disruptions can be a real thing that fuels inflation, and here's why. See, manufacturers used to keep eight to 12 weeks of inventory in stock, but no longer. Today, we've got the efficient just in time supply chains and there is less stock on the shelf. The system is fragile. That's why this domino effect can create this long term economic headache of shortages and inflation. Have you seen any empty shelves yet, like we did during the pandemic, I have not but as we know, during inflationary times, investors flock to hard assets, it can help to have a little gold, I think, truly just a little. But in wartime, the most advantaged investment class is right where we already are. It is residential real estate held with debt. We are out here winning the GRE inflation triple crown because property values rise, debt becomes cheaper in real dollars and rents increase over time, all while inflation cannot touch your fixed mortgage payment amount. Now, during the last wave of high inflation, that was 2021 and 2022 us real estate prices were up 10 to 20% in each one of those years, not aggregate, but each one of those years. Do I think that this can happen again if we have another big wave of war generated inflation? No, I don't, I do not believe that national real estate prices can rise as much as 10% over the next 12 months, even amidst this low supply condition, and that is because of the ongoing affordability constraint. As for inflation, the cobasy Letter reported an inflation expectation of 5.2% over the next 12 months. There are other projections in the fours out there, but so much will change between now and then. So I think even they would acknowledge that that is a guess. Above all, wars are tragic. Let's acknowledge that the bottom line here is that wars are expensive too. They create inflation, and residential real estate held with debt is more than an inflation hedge. It's an inflation profiting machine. Straight ahead, we'll talk more about what's happening in the real estate market, in some different sectors. It's with a woman that I invest my own funds with for a stable real estate backed return. I'm Keith Weinhold. You're listening to Episode 599 of get rich education.    Keith Weinhold  20:39   Let me throw out a simple idea, sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns, it's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day, housing, senior communities, essential properties, things tied to living and not trends. Their freedom notes offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy so you can ask questions and determine alignment before moving forward, while past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call at Freedom. Familyinvestments.com or text family to 66 866, text the word family to 66 866,    Keith Weinhold  22:00   flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/g R, E.   Kristen Tate  22:39   This is author, Kristin Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  22:55   Today we're talking about the wealth window. Why this moment in real estate is different in the opinion of our guest. I'm talking with a woman that I invest my own liquid dollars with because we've been friends for a decade. They have a track record of making investor payouts 100% of the time and on time. She's the founder and CEO of freedom family investments and owns eight real estate businesses. What they invest in, and therefore what my funds are backed by, is recession resilient, needs based real estate like multifamily, senior housing and self storage. I have a book on my bookshelf that she and her husband wrote, called Get Real and she has an upcoming book, calm money never panics, and a forthcoming Netflix documentary that's going to bring her message to a global audience, as her new partnership with Dr Phil to bring Straight Talk financial clarity to more people. Her philosophy is we measure success, not just by ROI, but by return on life. Rol, love that welcome back to the show. Danny. Lynn Robinson,   Dani-Lynn Robison  24:07   thank you so much, Keith. I'm so happy to be here.    Keith Weinhold  24:10   You always have so many interesting things happening. Tell us about the Dr Phil McGraw partnership and how your messages really move beyond investing circles. Absolutely.   Dani-Lynn Robison  24:20   What I love is when we get to visit again each year, as we talk on a podcast and just as friends. And it's really exciting right now because of the message that I think is perfect timing for the world that we live in right now and how fast things are changing, and Dr Phil came into the picture to really bring visibility to what we're doing and what we're talking about, because there's urgency just around AI and technology and what it's doing to the world and the uncertainty in the marketplace. Because I'm on conversations every single day with investors who just aren't sure what to do anymore. They're just like, I'm not sure exactly where to invest. I don't know what the future holds, and we can't rely. On history anymore, and so it's that instability that we're talking about that people probably feel more than they actually articulate very well in the world and in the economy and our finances. I mean, I don't know if you heard the stat, but chat GPT reached 100 million users in 60 days, like fastest adoption of technology and human history. So really, Dr Phil was, how do I get this message out to the world in a bigger way? And he brings such visibility to everything that he does. So does the documentary, so does the new book. So I'm putting it all together and doing lots of things, and I'm super excited.   Keith Weinhold  25:37   Dr Phil does more than just lecture teen girls that are brats to their parents, Dr Phil needs to invest as well. And you know, Danny, part of the stability that you offer and what you're into is just sort of this premise that we know as real estate investors, that not all real estate is created equal. For example, look at what happened to the office space post covid, and you really are formative with needs based real estate, like I said, and where capital's flowing now into that more resilient sector. Can you tell us more about that?   Dani-Lynn Robison  26:14   Yeah, absolutely. So let me touch on a few other things about AI and technology, and we're going to run into this analogy that I like to use about the river. So right now, with what everything that's going on, I'm calling it the final frontier, the final frontier of building wealth as we know it. And the reason I say it that way is I'm a big believer in not talking about fear based messaging, like I hate things that like the news that just brings fear into your face and makes you scared of everything that's going on, but I am a fan of being real, right? And everything that's going on right now, like as careers are changing over the next five to 10 years, we're just talking with high income earners about what's going on and why we're doing what we're doing, why we're positioning ourselves into what I call this river analogy. And it's because of another stat. There's a bunch of them, but I remember this one always top of mind because it happened five months ago, and I saw it in the news, and I was like, oh my goodness, it's already started, and that's just UPS cutting 48,000 jobs, right? And like I said, I've got articles that are just like, you can just see it, and everybody again feels and see it coming like the writing is on the wall. So when we were looking at what we want to do over the next five to 10 years, as we see what's happening, we're always evaluating that and figuring out where we want to position ourselves and why. And that's where this recession resilient real estate came in. Needs based real estate came in. The phrase not all real estate is created equal, came in, and it's what I'm shouting from the rooftops here, because I think no matter where you invest and who you invest with, I think this is a conversation worth having and questions worth asking. And so the visual I like to use is this, imagine standing on the bank of a river, right? So the water is moving in one direction, towards the path of least resistance. It doesn't fight geography. It flows exactly to where it's needed. So when we talk about real estate, we're talking about where is money flowing right now, in real estate. So we've always invested in the Midwest and southeast. That's where, you know population growth is. A lot of people are investing there. And then we chose three asset classes that I talk about a lot, and this is things that your listeners should write down. If you're driving, don't write down. Just remember it. So the first one is workforce housing. So we chose that one because one in nine Americans live in workforce housing today. Construction has dropped 40% since 2023 so there's a huge supply gap. The second asset class is senior housing, the silver tsunami. I'm sure you've heard of that. Yeah, 10,000 Americans every single day are turning 65 until 2030 and then, if you study all of the stats and you watch the timing of retirement, this ripples like into 2040 so it's 14 years for this asset class that's going to be really, really great for us to be investing in. We're getting very fast, yes, yes. And then the one I was surprised by was self storage. This one, I didn't, I didn't even think about as a recession resilient asset class, but it's actually outpaced traditional real estate over the last 15 years. For some reason, when people are looking at their bills and what they choose to pay, storage is one of them. They want to protect the things that they own, their family heirlooms, whatever it is, businesses want to protect the things that they have, they're putting it in storage. So those are the three asset classes that we're investing in. So our strategy isn't predict markets. It's positioning in that river, right where is the money flowing to? And it's workforce housing, senior housing and self storage. So I always tell people, the question isn't Are you investing in real estate? It's what real estate are you investing in, and are you positioned where the capital is flowing towards, or are you trying to swim upstream? And so that's the needs based versus wants based. Real Estate like the wants based, you nailed it, like luxury apartments, vacation rentals, Class A developments, office and retail space, whereas needs based. Place are the three asset classes I just talked about, because people need a place to live. They always need to care for their aging parents. They always need storage. And these are just things that people cannot live without.   Keith Weinhold  30:12   It doesn't surprise people that workforce housing, which is basically entry level housing, and senior housing, are recession resilient. What surprises some people that aren't in the real estate space is how resilient self storage is. Even in recessionary times, people will not give up that storage locker. They get incredibly sentimental off things that have very little value. Or, you know, they're 1985 baseball cards of Roger Clemens or something. They will continue to pay for that self storage unit year after year? Yeah. Now I know that you often discuss what you call the wealth window, why you feel like this specific moment is different in real estate, and why acting beats waiting. Tell us about that.   Dani-Lynn Robison  30:55   What I'm referring to in the wealth window is that point in everybody's life where the combination of active income and compounding is at its peak, right? Because it's always, always, always easier to build a passive income stream when you already have active income working for you. And so I use an example. Doesn't matter what type of career that you have, but imagine somebody investing $2,000 a month at 35 and how that performs compared to somebody who waited till 40 years old and they started investing 4000 a month. So the 40 year old actually doubled the amount that they're investing per month, but the 35 year old is likely going to outperform all the time because of the compounding effect of those five years where they started earlier. Incredible how that works. Yeah, it's incredible. So it's that wealth window that I like to talk about, that people, especially right now, with what's going on I'm getting on the phone. They're like, Danny, this is where my money is. And I know it's not where it should be, but I just don't know what to do. It's this uncertainty. And so I like to talk about the wealth window that, hey, it's not just the return that you're going to be getting because your money's working for you and not sitting in either a place that's getting no return or a very, very low return, but it's also the window of time in which you can actually grow in very, very big ways and allow it to outperform somebody who starts later in life. So I call it the whale of window, because I wanted this imagery of the window closing, and that every single day the window continues to close. And right now, what makes it different than history is what's happened over the last 20 years and what's going to happen over the next 20 years is drastically different. And again, not trying to go fear based messaging, because I hate that more than anybody else, but I am trying to keep it real, right? Careers are already disappearing. I've got a book coming out this next month for physicians, and I was studying what's happening to their industry, right? And we have a lot of engineers that are on our private investor briefings. And as I'm studying those industries, I'm watching things that we maybe wouldn't realize are going to go away, and I'm seeing how it's already started, and that there's some industries or niches within those industries, they're going to go away faster, and that this conversation is not for particular people. It's for everybody, all of us, over the next 510, years, we don't know what's going to happen. We can't predict it. So there's a couple other stats that I wrote down to share on this, because a lot of the people I'm talking to are still sitting in the stock market because they wanted you know something that they were familiar with, right? And something that they knew that they could get their capital out if they wanted. Yeah.   Keith Weinhold  33:25   And we're here at a time when valuations based on PE ratios are near all time highs in the stock   Dani-Lynn Robison  33:31   market, yes. And so the stock market right now. There's two articles that I talk about all the time on my briefings, and the first one was because I just looked to see what's happening recently. And you may even know something that's happened more recent than these. But February 5, Reuters reported us. Software stocks lost nearly a trillion dollars in a week. And I was like a week, and in that article, it was Microsoft and Salesforce as to the service now, I think was in there too. That dropped like five to 7% disruption there, yes, yes. And the Wall Street Journal reported February 3, 300 billion wiped off software in a single day. And so this AI and technology disruption. It's real, and it's in the headlines. And for all of us that who see it coming, it's just moving faster. And I think any of us realize everybody to talk to, they're like, I can't even keep up anymore. I can't keep up with what's going on the market, what's working, what's not working. Every time I try to adapt to something new, something new comes out tomorrow, and we're just kind of stuck in this place of uncertainty. So that's why, again, I'm just really having this big conversation about the time is now. Getting clarity is important right now. Taking action, even if it's small, is important right now, knowing where your money is and whether you can rely on it later is important right now. And for me, needs based real estate is where it's at.   Keith Weinhold  34:49   Few people that are well thought through, in my opinion, believe that AI is going to permanently reduce the workforce, but it could in the short term, but long term, when you look at. The advent of any new invention, it often creates more jobs, but just shifts where they're going to be, whether that's the steam engine or the automobile or electricity or the advent of the Internet. That has what has happened every time, really no substantial net job loss, at least in the long term. But we all need to evolve. We all need to learn and stay current on this. And Danny Lynn, I know that part of the evolution that you talk about for investors is that from operator to allocator tell us about that. Yeah.   Dani-Lynn Robison  35:35   So I love this conversation, because it's not something that people talk about a lot. I bet you have, because you have gone through this journey, right? So I'm going to call stage one landlord. It's where a lot of people enter real estate, because when you want to become a real estate investor, we all aren't sure where to start, but we've already reached ad for dad. And So level one is landlord. Stage two is turnkey, which you talk about a lot on your podcast, and it's kind of that done for you, landlord, rental model. And then stage three is like funds and more passive investing, which I call the allocator model. So how I define operator now, allocator is really in this stage one, stage two, stage three, right? The operator is stage one, landlord, you are doing it, right? You're finding the property. Maybe you're renovating it. Maybe you're doing you're just doing a lot of the work yourself, because maybe you're new, and that's how you think it should be done. So you're the operator in that situation. Stage two turnkey. Now it's done for you right now. You really just need to look at the opportunities, the properties, and you get to choose one, but somebody else found it, they renovated it, they placed a tenant in it. They're probably going to manage it for you. So this one, I think you're part operator, because you are managing some aspects of it. It's still yours. You still control the asset. But you're also part allocator, because you got to just deploy capital into something that somebody else helped do a lot of that work that an operator normally would do. So that's like, kind of your middle ground stage two, right? Which is a great place to be. And then stage three is that discovery of funds, where you can actually deploy capital into people who do everything for you, and you can get, you know, quarterly distributions, or allow things to compound, and you don't have to do any of the work. So those are the three stages that I talk about. And I know you are involved in two out of the three. I am two. You may tell me you're involved in all three, but I know for sure you're involved at a two out of the three, and I think a lot of people are. We've had investors come to us with rental portfolios, and they decided they wanted the mix, right? They wanted to keep some of the properties. They also wanted to liquidate some of the property, or they kept their entire portfolio, and decided, I just want to add funds to the mix. Because you talk about this a lot on your podcast, and that's getting time back right? The return on time. That's why I like return on life, because I think our time is probably our most precious asset, more than finances. In my opinion, I want my time. I want to be able to choose where it's spent. And really, that allocator, this is the banks, right? They're at the top of the pyramid in terms of wealth, the banks and what do they do? They deploy into good operators. So I just think it's an important conversation to have, and it's why I do funds and syndications, and I do that more than anything else, because I saw the lives of my investors turn, and they were just so much happier because they weren't having to manage as much. And again, they still, many of them balance between the two. I just think it's a really great conversation to have    Keith Weinhold  38:26   this metamorphosis from operator to somewhere in the middle, like a turnkey investor, and then finally, an allocator. Yeah. I mean, you're spot on. And that describes me perfectly. I began as an operator where I thought I had to manage my own properties, and I only did that in my local market. Then I learned about turnkey real estate investing, which is still squarely where I am as an investor, but increasingly I do more and more of the allocation because it is substantially more passive, and really that's where you come in. You help me be the bank in many cases, and as a turnkey investor. Oppositely, I want to be the borrower and create leverage and all that. But in the allocator phase, it can make sense to be a lender with liquidity, and you offer this private money lending that I participate in and help me be the allocator. So tell us more about that, and really just what qualifications one needs to invest    Dani-Lynn Robison  39:24   Absolutely. So we have multiple offerings. The one I talk about a lot right now is our freedom notes. And like you said, it's very much like private money lending. It's a promissory note. So one of the things that I've never liked about investing is sometimes it's very confusing how it works. And I say this is Warren Buffett. Actually, you should never invest in something you don't understand. But that's like, my mindset as well as like, if I don't understand it, if it's too complicated for me to understand, then I don't want to invest. And so we've always gone about everything. And you can take, you know, every single podcast I've done with you right from the very beginning. Okay, we just keep things simple. And so freedom notes and all of our offerings are essentially a promissory note of sorts, and you get fixed returns, and it depends on how much you invest. We do have both accredited and non accredited options. The Freedom note is an accredited offering. It does have fixed returns up to 14% and then we actually put in a 2% bonus on top of that for people who do invest long term. And here's why I do that, we're going to be talking about calm capital in a little bit. And I believe in boring investing, right? I believe in investing long term, because emotional investors tend to lose in the end, because they're always moving their money in and out. And it just doesn't work for you long term and so although we give annual liquidity options, giving people the option to get their cash back out once a year, we do that for peace of mind, more than anything else, less than 10% of our investors actually want their cash back. They do believe in the power of long term wealth building, but they love, love, love, the peace of mind that they can have access to their capital if they need it, right? And so that was really, really hard to do in real estate, because real estate is illiquid, right? So we had to work with an attorney for a very long time to figure out how to do it. How do we offer this option, knowing that our money is tied up in real estate? And so it was a lot of conversations back and forth, but we figured it out. Obviously, there's a notice that you have to give us, and we have to have the ability to get the money out of that real estate to be able to give it back. So there's lots of moving parts, but the option is there for peace of mind. So we do that. We also created an income path and a growth path, because some people are at a stage of life where money matters. They actually want the income some people like me at a stage of life where I just want it to grow, and I want to grow as fast as possible, so I invest as much as possible, get the highest return I can, and then I want it to continue to compound, to accelerate that growth. And use time from my side.   Keith Weinhold  41:52   What are the minimum investment amounts? And can you use your 401, k or IRA to invest?   Dani-Lynn Robison  41:57   Yes, so $25,000 is the minimum. So again, we're keeping it accessible to everybody, and you can use your retirement accounts to invest some 401 ks have different rules. Our team can walk you through what those rules are and what to ask in order to determine how to deploy those funds into our investment opportunities.    Keith Weinhold  42:13   Do you put your own skin in the game on these investments? Tell us about that. I mean, I already know the answer, but let the audience know,    Dani-Lynn Robison  42:21   yes, 100% in fact, flip and I, we invest one yes, flip is my husband. Thank you for you and I have been friends for so long. You know who flip is, but my husband flip and I, yeah, we invest 100% in everything that we do. In fact, all of our money is we used to be a little diversified, and we forget that we're just investing in us and our businesses and our real estate. So we do have skin in the game, not just us, our company as well, invest alongside. So we're along the ride with you guys. We believe in this as much as everybody else, and that boils down to character. There's something that I tell people when they're talking to people that they're going to invest in what's most important when I'm on the phone, people say, Danny, what should I have asked that I didn't ask, and sometimes they don't ask that. And so I tell them to I said, this isn't the question you should have asked. And so I always tell people I answer in different ways depending on what we're talking about, but I talk about character. I said, I don't care about my returns when I'm investing. I care about the person I'm investing in, right? That comes first before anything else. Because I don't care if you told me I could get 20% possibly, but if you run away from a deal that goes bad, then I just lost everything. And I could have invested at a lower return with somebody who actually had character and who was going to stay in the fight no matter what happens. And I think we talked about this on our last podcast, Keith, just about real estate and what's happening in the industry right now, and that there are deals that have gone bad, and I've personally had a partner of mine want to leave investors hanging. We bought the deal out from under them. We just said, Nope, you guys can leave. We're taking over. Because I'm never, ever going to do that to my investors. And I think our very first podcast with you, it was talking about the worst deal that we had in a private home. Yeah, our private lender who lend it honest, never even knew what happened to that property, because I paid them everything that they were owed, plus their interest. And they didn't have to know. I would have transparently told them what was going on. But to me, it's just like, this is just my job. This is my duty. Like you trusted me with your money. I'm going to make sure you get everything back. So when I talk about these stories, it's not really stories that I talk about a whole lot, except for that, I relate it to character, and I think it's important for people to know this is one of the questions you should know to ask. It's not just what are you investing in? It's not just what's your track record. It's not just what's your returns. It's who are you as a person, and things are going to go wrong, right? This is life. This is real estate. All you do know is it. Don't know that's right. So things will go wrong. What happens when things go wrong? What happens to the company? What happens to you? What happens to the investors? That is so incredibly important,   Keith Weinhold  44:48   those that put together private money lending offerings like freedom family investments, they can't say that something is a guaranteed return, even though they have a 100% track. Record of investor payouts that's also on time. It's regulated by the SEC the Securities and Exchange Commission. And in the SEC world, guarantee is not a word that you can use. You get a preferred return, meaning that the investor gets paid first and FFI gets paid last, even though the ones putting this all together? Well, Danny Lynn, tell us more about calm capital. I know that's the philosophy behind your upcoming book.   Dani-Lynn Robison  45:31   Yeah, absolutely. So I love the conversation around calm capital because it refers to the whole boring investor idea, right? And letting your money sit and work for you over time, and that's how real wealth is built. So I believe capital preservation should come before aggressive protections. I believe downside protection should come before upside stories. I believe that you don't build and create a strategy around good times. You build and create strategies around all times, no matter what is happening in the market, and that's why needs based real estate is the thing that we stand behind the most. Because we know, no matter what this is, what people are going to prioritize. And I don't have a crystal ball. None of us do. So over the next 510, years, I'm going to invest in what I know, and I'm going to invest in things that I know will always be there and that people are always going to pay for. And that's why I sleep at night. That's why my investors sleep at night, because we are getting our time back. And that's really the philosophy around what this book is about, is just that calm money doesn't panic, because when the market panics, calm investors still win.   Keith Weinhold  46:35   Yeah, I love the premise of calm money. Well, Danny Lynn, investors and our GRE listeners have benefited from you guys's capital architecture call, a free 20 minute session that your team helps people with tell us about that and how they can learn more.   Dani-Lynn Robison  46:52   Yeah, absolutely. So the word I chose for this is window. So you'll text the word window to 66 866, and the capital architecture call is going to do five things. It's a 20 minute session. It's not a sales call. There's no obligation. Doesn't matter whether you invest with us or not, but it's going to do five things for you. First, it's going to show you how to protect and grow your capital. So this is a framework that maps out exactly how your capital should be allocated based on where you're at right now we're going to ask you if you're in preservation mode or growth mode, or maybe a balance of both. So we're just going to help you find that clarity. Second, we're going to look at your taxes. We're not CPAs and we're not tax professionals. So they said, Well, you have high level overview, but there's two ways to build wealth, right? You make money or you keep more of it. So we're going to look at the keep more of it piece and see where some of that is disappearing, and how you can legally structure things to be able to keep more of that and allow that money to be working for you. And then third, we're going to teach you our it's called the Magnus Investment Framework. My marketing team came up with that word. I always laugh when I say it, Magnus, honestly, yeah, it's honestly just the lens on how we're choosing our markets and the asset classes that we enter and which ones we stay away from. A lot of that we talked about today, because it's the conversation that I'm really having and talking about a lot. Fourth is just priority access. This just means a lot of investors are always looking for the inside track, right? They want to know, where do I find these market opportunities? Where do I find the opportunities that everybody else is trusting and I don't know how to navigate my way through the noise. So just by jumping on this call, you're going to be added to our list, and it just means you're going to get first access to anything that we're doing, or anything we're talking about or exploring that also rolls into the last one. This is just for a select few people. We do have $1 amount of a qualification, dollar amount of whether you can do this? And this is just ownership partner program. So I'm actually taking people and taking calls where they say, Danny, I want to own a property with you. So again, it has to make sense for us to actually do that, so we're looking at higher dollar commitments. But if that's of interest to you, when you jump on a call to say, I want to talk about the ownership partner program, they'll find out exactly where you're at, what you want to invest, if it's actually going to meet your goals, and then if it does, then you'll jump on a call with me and we'll talk about the deals that we're looking at. This is really where you get into the point where you get the massive tax advantages, right? Because you're an actual partner with us on the deal. And so the goal with all of this is just to be specific, because you and I can be talking about generalities all we want, but it comes down to your specific situation, right? Your specific goals. What's going on in your life? Where are you right now? Where do you want to go? And so that's what we do on that call text window to 66866,   Keith Weinhold  49:43   for you the listener, just think about if these insights can be personalized for your own situation. That's what you can get on a capital architecture call. And really everything is built around your specific income, your goals, your situation, you. And every person is going to walk away with more clarity than what they came in with, whether they invest with freedom or not. Yeah, it is a very approachable 25k minimum. Consider booking a free 20 minute capital architecture call just text window to 66 866, Danny. A lot of insights here that every investor is going to find helpful. It's been great having you back on the show. Thank you,   Dani-Lynn Robison  50:25   Keith, it was pleasure being here.   Keith Weinhold  50:32   Yeah, the life stages of investor, operator, turnkey investor, and then allocator, with the first one operator. You might think you have to be one first, but you don't. Then turnkey investor. Turnkey investor is a nice place to be. That's a real sweet spot for a lot of people. You get all the real estate pays five ways, advantages of direct ownership plus control. And then finally, the passive investor, the most passive, the allocator. So nice breakdown from Danny Lynn Robinson today, yeah, one way they help is offering freedom. Note, so what I do is, by making a loan to them, I get a stable return with the passivity of a mutual fund, but it's certainly not a mutual fund, and I get moderately good liquidity too, fixed returns, cash flow. This is a cash on cash return of 8% 10% 12% and up to 14% depending on what your liquidity needs are, and more largely backed by this needs based real estate, workforce housing, Senior Living and self storage. If you think that they can help you with that or something else, it can be a good use of your time to book a quick capital architecture. Call with them. Just text the word window to 66 866, text, window to 66 866, now, next week, it's milestone episode, 600 debt is the American dream. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Keith Weinhold  52:16   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  52:44   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

Plus: Sysco nears a deal to buy family-owned Restaurant Depot for roughly $29 billion. And Chinese EV leader BYD posts its first annual profit decline in four years amid fierce competition and soft domestic demand. Luke Vargas hosts.  Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if you paid all your taxes - and still got hit with a penalty from the IRS?  Our retirement headline this week comes from Laura Saunders in the Wall Street Journal. Estimated tax penalties are skyrocketing, and retirees and investors are some of the most likely to get caught in the trap. We will cover that, then hop into our Listen Question: "What happens when you lose faith in fixed income as the foundation for your retirement plan?" Then stick around to hear what our happiest retired listeners are up to in our newest listener-sourced segment "Retire to Something" Resource:  Article by Laura Saunders in the Wall Street Journal: Estimated Taxes Are a Pain. Here's How to Avoid Costly Penalties.     Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  

A global power struggle may be reaching a breaking point. New reports suggest rising tensions with Iran and China could center on control of oil routes—and the future of the U.S. dollar itself. EPISODE SUMMARY: A rapidly escalating geopolitical situation is raising urgent questions about global power, economic stability, and military strategy. New reporting, including coverage from The Wall Street Journal, suggests the U.S. may be weighing aggressive options in response to developments involving Iran. At the same time, broader concerns are emerging about the strategic role of China in shaping global energy markets. At the heart of the issue is the Strait of Hormuz—a critical chokepoint through which a significant portion of the world's oil supply passes. Reports indicate that access to this route could become increasingly tied to how oil is traded globally, including potential shifts away from the U.S. dollar. This raises the stakes dramatically. The long-standing “petrodollar” system—where oil is primarily traded in U.S. dollars—has been a cornerstone of American economic strength. Any disruption to that system could have far-reaching consequences for global markets and domestic stability. Meanwhile, rising military tensions, missile developments, and strategic positioning are adding urgency to the situation. Analysts warn that economic competition and military strategy are becoming deeply intertwined. This episode breaks down: Why the Strait of Hormuz is one of the world's most critical chokepoints The role of the U.S. dollar in global oil markets How China and Iran are influencing energy trade dynamics What recent military developments could mean The potential economic impact on the U.S. and global economy SEGMENTS: Breaking News: Rising Tensions Explained The Strait of Hormuz & Global Oil Flow The Petrodollar: America's Hidden Advantage China's Growing Influence What Comes Next? KEY TAKEAWAYS: Control of oil trade routes remains a central global power factor The U.S. dollar's dominance is closely tied to energy markets China and Iran are key players in shifting economic dynamics Military and economic strategies are increasingly connected The outcome could have major implications for global stability SOCIAL MEDIA CLIPS (SHORT FORM HOOKS): “Is This a War Over the U.S. Dollar?” “Why the Strait of Hormuz Matters More Than Ever” “China vs. The Dollar—What's Really Happening?” “Global Oil Routes Could Change EVERYTHING” “This Conflict Could Hit Your Wallet Fast” HASHTAGS: #BreakingNews #Geopolitics #China #Iran #USDollar #Economy #OilMarkets #WorldNews #Finance #Politics HASHTAGS (FIRST COMMENT): #Petrodollar #GlobalEconomy #TradeWar #EnergyCrisis #Markets #Inflation #NewsUpdate #International #TrendingNow #FinanceNews CUSTOM LABELS (comma-separated): geopolitics, economy, petrodollar, oil, China, Iran, global markets, finance, world news, breaking news

Two of Susan Guthrie's greatest passions, divorce and family law, and the world of AI, come together in this episode, and the result is something truly powerful. Post-separation abuse is something far too many people experience, but the legal system still struggles to understand. Many people assume that once someone leaves an abusive relationship, the danger is over. But in reality, the abuse often changes form. It can show up as litigation abuse, weaponized communication, or ongoing coercive control that leaves survivors feeling like they are still walking on eggshells, even in family court. Susan is joined by Anne Wintemute, co-founder and CEO of AimeeSays, an AI tool built specifically to support survivors of relationship abuse. AimeeSays helps survivors document their experiences, identify patterns of coercive control, and organize their story in a way that professionals and courts can actually understand. This is the bridge that has been missing. What You Will Learn Why the legal system tends to focus on isolated incidents rather than patterns of behavior, and why that gap can be so damaging for survivors How documenting patterns of coercive control, rather than individual incidents, can change the way a story is received in court Why survivors often struggle to tell their story clearly, and how trauma directly impacts testimony How AI technology is helping survivors organize their experiences and communicate what they have lived through in ways that courts and professionals can actually understand Why legal professionals need to know about tools like AimeeSays and how it can help them help their clients Golden Nuggets Leaving an abusive relationship does not always end the abuse. For many survivors, the abuse simply changes form, often showing up as litigation abuse, coercive control, and weaponized communication during and after divorce. One of the greatest challenges survivors face in family court is that the system tends to look for isolated incidents, while abuse often exists as a pattern of behavior over time. Being able to document those patterns clearly can make an enormous difference in how a story is understood. Technology may finally be helping to bridge that gap. Tools like AimeeSays are helping survivors organize their experiences, recognize patterns, and communicate what they have been living through in ways that courts and professionals can better understand. Divorce & Beyond Listeners Special Offer From Aimee Says:  Visit the website: http://www.aimeesays.com - and use code "Guthrie30" for two free months of Aimee at aimeesays.com. Resources Mentioned in This Episode Hello Divorce Hello Divorce is a modern platform designed to support people before, during, and beyond divorce. The platform provides legal information, tools, and access to professionals who help individuals navigate divorce more thoughtfully and constructively. Explore resources created specifically for Divorce & Beyond listeners: HelloDivorce.com/Susan Free Resource: The Post-Separation Abuse Self-Assessment and Pattern Recognition Checklist If you or someone you know is navigating life after leaving an abusive relationship, Susan has created a resource to help you start making sense of what you have been experiencing. The Post-Separation Abuse Self-Assessment and Pattern Recognition Checklist is designed for survivors who are trying to identify patterns of coercive control and post-separation abuse, something that is honestly hard to see clearly when you are in the middle of it. Download the free Divorce Clarity Starter Guide here or on the website at: https://divorceandbeyondpod.com/latest-episode Special Offer from Yumiyu YUMIYU Jewelry is Susan's favorite source for meaningful, handcrafted jewelry designed to empower women and celebrate individuality. Each piece is made with care, using high-quality materials like real gold and vermeil, and is water-resistant, non-tarnish, and hypoallergenic. During difficult times, like divorce, wearing a symbol of hope or protection—such as a hamsa or an evil eye—can be a comforting reminder to keep the faith and stay strong. As a special gift to my listeners, YUMIYU Jewelry is offering 20% off your purchase! Use the code "BEYOND" at checkout to claim your discount. Explore their stunning collection at yumiyujewelry.com and find your perfect piece today! Link: https://divorcebeyond.com/YUMIYU  Code: “BEYOND” for 20% off! About the Guest  Anne Wintemute is the Co-Founder and CEO of Aimee Says, the Al assistant for victims and survivors of relationship abuse. She is a fierce champion for the rights of survivors and children, and systems that hold perpetrators accountable. Prior to working with survivors, Anne founded and directed an elementary school that became a model for micro schools across the United States. In her spare time, she enjoys urban homesteading with her family in Denver, Colorado Website: http://www.aimeesays.com - D&B Listeners, use code Guthrie30 for two free months of Aimee at aimeesays.com. LinkedIn: https://www.linkedin.com/in/anne-wintemute-897077106 Instagram: https://www.instagram.com/aimeesaysdv/ Make the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond:  https://divorceandbeyondpod.com, IG: @divorceandbeyondpod Meet Our Host Susan E. Guthrie®, Esq. is one of the nation's leading family law and mediation experts, with more than 35 years of experience helping individuals and families navigate divorce and conflict with clarity and compassion. She is the Immediate Past Chair of the American Bar Association Section of Dispute Resolution, a best-selling author, and a sought-after speaker, trainer, and practice-building consultant. Susan recently appeared as the featured expert on The Oprah Podcast, where she shared her insights on gray divorce and the changing landscape of relationships. Her expertise has also been featured in The Wall Street Journal, Forbes, The Washington Post, NewsNation, and NBC's Chicago Today, among many others. As the creator and host of the award-winning Divorce & Beyond® Podcast, ranked in the top 1% of all podcasts worldwide with more than 3.4 million downloads, Susan brings together top experts and powerful personal stories to help listeners move through divorce and beyond with confidence, insight, and hope. Learn more about Susan and her work at susaneguthrie.com. Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond!   Opportunities for Expert Guests and Fellow Podcasters Partner with Divorce & Beyond Whether you're a podcaster looking to expand your reach or an expert ready to share your insights, Divorce & Beyond offers the perfect platform to amplify your voice.  Find out more here: https://divorceandbeyondpod.com/guest-opportunities DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM  

Donald Trump's war on big law has been a big political and constitutional story everywhere. But in Washington, it's also a business story: the big law firms are a huge employer and major part of the economy. So what do the ongoing threats from the administration, and the legal rulings in favor of the firms who actually stood up for their rights, actually mean for our city. Erin Mulvaney covers national legal affairs for the Wall Street Journal and is here to discuss.  Want some more DC news? Then make sure to sign up for our morning newsletter Hey DC. You can text us or leave a voicemail at: (202) 642-2654. You can also become a member, with ad-free listening, for as little as $10 a month.  Learn more about the sponsors of this March 30th episode: Folger Shakespeare Library District Bridges Window Nation Interested in advertising with City Cast? Find more info HERE.

AI agents—artificial-intelligence tools that can perform real-world tasks—are the buzziest thing in Silicon Valley. Some businesses and individuals are already using them, and the next generation of agents like OpenClaw could be even more promising. But they also come with significant risks. WSJ tech reporter Isabelle Bousquette joins host Alex Ossola to discuss how agentic AI is being used now and how it could be used in the future. Further Reading:  China's OpenClaw Craze Buoys Tech Stocks, Fuels AI Pivot  The World's First Viral AI Assistant Has Arrived, and Things Are Getting Weird  This Viral AI Project Went From Side Hustle to Coveted Prize in Three Months Nvidia Software Aims to Bring OpenClaw to the Enterprise  Silicon Valley's New Obsession: Watching Bots Do Their Grunt Work Mark Zuckerberg Is Building an AI Agent to Help Him Be CEO Learn more about your ad choices. Visit megaphone.fm/adchoices

Notes and Links to Jordy Rosenberg's Work   Jordy Rosenberg is the author of the novel Confessions of the Fox, a New York Times Editors Choice selection, shortlisted for the Center for Fiction First Novel Prize, a Lambda Literary Award, a Publishing Triangle Award, the UK Historical Writers Association Debut Crown Award, longlisted for The Dublin Literary Award, and named one of the best books of the year by The New Yorker, Kirkus Reviews and others. Jordy's work has been supported by MacDowell, The Lannan Foundation, The Banff Centre, and The Ahmanson-Getty Foundation. He is a professor in the Department of English and Associated MFA Faculty in the Program for Poets and Writers at UMass-Amherst. His latest work is Night Night Fawn, published in early 2026. Buy Night Night Fawn   Jordy Rosenberg's Website   Review for Night Night Fawn from The New York Times At about 0:45, Jordy responds to Pete's questions about the feedback Jordy has received since Night Night Fawn has come out At about 2:50, Jordy talks about tour events and purchase info At about 4:15, Jordy talks about his background in reading and writing, especially the influence of the Marxist tradition  At about 6:50, Jordy responds to Pete's questions about what draws him to sci-fi, and Jordy expands on his interesting view of genre as “collective” At about 9:00, Jordan cites contemporary writers whom he appreciates in his "omnivorous" writing, including Lara Sheehi At about 12:30, Jordy reflects on seeds for his novel, which started out as memoir  At about 16:10, the two discuss the narrator, Barbara, and the book's exposition, and connections to Marx At about 18:50, Jordy discusses how he wanted to explore Marxism through the voice of someone with a passing knowledge of it At about 20:45, Part II of the book, a letter from Barbara, is discussed At about 22:45, Jordy reflects on how he satirizes those so obsessed with anti-trans vitriol At about 25:00, Jordy expands on Barbara's antiquated and biased world view and victim mentality  At about 26:45, Jordy discusses a pivotal scene at a funeral and the importance of a photo At about 31:00, Jordy responds to Pete's question about meta-writing and  At about 35:00, Barbara's job and it providing “ammunition” for her homophobia is the basis of discussion  At about 36:00, Neil, a family friend, is discussed as a trope and anti-trope At about 38:00, Pete compares Neil's Marxism to “a la carte Catholicism” At about 38:50, The beginnings of discussions of Israel and 1980s viewpoints and a “public relations nightmare” and a broken friendship are highlighted At about 42:40, Jordy talks about the importance of the “carrot scene” and ideas of Jewish masculinity At about 47:15, Pete cites Deni Avdija's story and Jordy expands on ideas of BDS and narratives of “the most moral army in the world” At about 52:00, Jordy and  Pete posit some ideas about the adult daughter in the novel and talk about Jewish leadership in the BDS movement  At about 54:10, The two discuss the scene in which Barbara reunites with her old friend and how Jordy uses satire in the scene At about 57:15, Jordy reflects on real-life connections to Barbara sending her daughter to Israel for “support work” At about 59:15, Jordy cites the book as adding to conversations that come from “bedside rants”        You can now subscribe to the podcast on Apple Podcasts, and leave me a five-star review. You can also ask for the podcast by name using Alexa, and find the pod on Stitcher, Spotify, and on Amazon Music. Follow Pete on IG, where he is @chillsatwillpodcast, or on Twitter, where he is @chillsatwillpo1. You can watch other episodes on YouTube-watch and subscribe to The Chills at Will Podcast Channel. Please subscribe to both the YouTube Channel and the podcast while you're checking out this episode.       Pete is very excited to have one or two podcast episodes per month featured on the website of Chicago Review of Books. The audio will be posted, along with a written interview culled from the audio. His conversation with Jeff Pearlman, a recent guest, is up now at Chicago Review.     Sign up now for The Chills at Will Podcast Patreon: it can be found at patreon.com/chillsatwillpodcastpeterriehl      Check out the page that describes the benefits of a Patreon membership, including cool swag and bonus episodes. Thanks in advance for supporting Pete's one-man show, DIY podcast and extensive reading, research, editing, and promoting to keep this independent podcast pumping out high-quality content!    This month's Patreon bonus episode features an exploration of formative and transformative writing for children, as Pete surveys wonderful writers on their own influences.    Pete has added a $1 a month tier for “Well-Wishers” and Cheerleaders of the Show.     This is a passion project, a DIY operation, and Pete would love for your help in promoting what he's convinced is a unique and spirited look at an often-ignored art form.    The intro song for The Chills at Will Podcast is “Wind Down” (Instrumental Version), and the other song played on this episode was “Hoops” (Instrumental)” by Matt Weidauer, and both songs are used through ArchesAudio.com.     Please tune in for Episode 333 with Keith O'Brien. Keith has written five books, won the PEN America award for best biography, and has contributed to multiple publications over the years.    Keith's work has appeared in the New York Times Magazine, the Atlantic, Rolling Stone, the Wall Street Journal, and on National Public Radio. His radio stories have aired on All Things Considered, Morning Edition, and Weekend Edition, as well as Marketplace and This American Life. His latest gem is Heartland: A Forgotten Place, an Impossible Dream, and the Miracle of Larry Bird.    The episode airs on March 29 or thereabouts.    Please go to ceasefiretoday.org, and/or https://act.uscpr.org/a/letaidin to call your congresspeople and demand an end to the forced famine and destruction of Gaza and the Gazan people.    You can also donate at chuffed.org, World Central Kitchen, and so many more, and/or you can contact writer friend Ursula Villarreal-Moura directly or through Pete, as she has direct links with friends in Gaza.  

Notes and Links to Keith O'Brien's Work     Keith O'Brien has written five books, won the PEN America award for best biography, and has contributed to multiple publications over the years.    Keith's work has appeared in the New York Times Magazine, the Atlantic, Rolling Stone, the Wall Street Journal, and on National Public Radio. His radio stories have aired on All Things Considered, Morning Edition, and Weekend Edition, as well as Marketplace and This American Life. His latest gem is Heartland: A Forgotten Place, an Impossible Dream, and the Miracle of Larry Bird.   Buy Heartland: A Forgotten Place, an Impossible Dream, and the Miracle of Larry Bird    Keith O'Brien's Website   Review for Heartland from The Wall Street Journal   At about 1:50, Pete shouts out his brother as a huge Larry Bird fan At about 2:30, Keith talks about his book tour for the launch of Heartland and gives a summary of the book at about 4:40, Keith responds to Pete asking about the time period covered in the book and how he figured out his angle for the book at about 7:55, Keith talks about his attempts to talk to Larry Bird for the book at about 10:00, Pete sets the record straight grammatically, and Keith expands on Indiana State University President Dick Landini's persona  at about 11:20, The two discuss the book's opening sequence, and Keith explains why he started the book where he did, with an Indiana State NIT loss and Larry Bird fracas  at about 16:25, Keith talks about Larry Bird's treatment as "The Great White Hope" and the ways in which he was talked about and treated in the late 1970s at about 19:00, Larry Bird's childhood is discussed, including his father's military background, and Larry talks about his research and work to make Joey Bird "three-dimensional"  at about 22:40, Keith gives background on the poverty and hardship in Larry Bird's upbringing at about 23:40, Dave Bliss, Bobby Knight, and Larry Bird's college recruitment are discussed at about 24:20, Keith recounts an amazing story involving Denny Crum and Larry Bird's recruitment  at about 26:45, Larry's short time at Indiana University and Northwood Institute are highlighted at about 29:40, The two discuss important recruits for Indiana State to team up with Larry Bird, including Harry Morgan and his upbringing in a racist town/society at about 33:00, Larry responds to Pete's asking about the college basketball Magic Johnson/Larry Bird dynamic, and the racial dynamics and popularity of the NBA in the late 1970s at about 36:30, Keith gives background on the Celtics drafting Larry Bird after his junior year of college at about 37:10, Pete discusses the "glue guys" that Coach Hodges brought in to ISU for Larry's third year and the novelty of nationally-televised games  at about 39:00, Keith reflects on the fact that while Magic Johnson is crucial to the book's events, he was at the time of the book's action, largely unknown to Larry, and vice versa at about 41:30, Keith responds to Pete's referring to the book's last section, a sort of "Where are they now?" by calling it his favorite section and how the players and connections to ISU were irrevocably-changed    You can now subscribe to the podcast on Apple Podcasts, and leave me a five-star review. You can also ask for the podcast by name using Alexa, and find the pod on Stitcher, Spotify, and on Amazon Music. Follow Pete on IG, where he is @chillsatwillpodcast, or on Twitter, where he is @chillsatwillpo1. You can watch other episodes on YouTube-watch and subscribe to The Chills at Will Podcast Channel. Please subscribe to both the YouTube Channel and the podcast while you're checking out this episode.       Pete is very excited to have one or two podcast episodes per month featured on the website of Chicago Review of Books. The audio will be posted, along with a written interview culled from the audio. His conversation with Jeff Pearlman, a recent guest, is up now at Chicago Review.     Sign up now for The Chills at Will Podcast Patreon: it can be found at patreon.com/chillsatwillpodcastpeterriehl      Check out the page that describes the benefits of a Patreon membership, including cool swag and bonus episodes. Thanks in advance for supporting Pete's one-man show, DIY podcast and extensive reading, research, editing, and promoting to keep this independent podcast pumping out high-quality content!    This month's Patreon bonus episode features an exploration of formative and transformative writing for children, as Pete surveys wonderful writers on their own influences.    Pete has added a $1 a month tier for “Well-Wishers” and Cheerleaders of the Show.     This is a passion project, a DIY operation, and Pete would love for your help in promoting what he's convinced is a unique and spirited look at an often-ignored art form.    The intro song for The Chills at Will Podcast is “Wind Down” (Instrumental Version), and the other song played on this episode was “Hoops” (Instrumental)” by Matt Weidauer, and both songs are used through ArchesAudio.com.     Please tune in for Episode 334 with Lisa Lee. She is the recipient of the Marianne Russo Emerging Writer Award from the Key West Literary Seminar, an Emerging Writer Fellowship from the Center for Fiction, and a Pushcart Prize. Her work has appeared in Ploughshares, VIDA: Women in Literary Arts, North American Review, Sycamore Review, and elsewhere. Her essay on racial invisibility and erasure in the writing workshop was featured on Bitch Media's feminism & pop culture podcast Popaganda, on the episode “Writing About Race.”     The episode airs on March 31, Pub Day for her novel American Han.    Please go to ceasefiretoday.org, and/or https://act.uscpr.org/a/letaidin to call your congresspeople and demand an end to the forced famine and destruction of Gaza and the Gazan people.    You can also donate at chuffed.org, World Central Kitchen, and so many more, and/or you can contact writer friend Ursula Villarreal-Moura directly or through Pete, as she has direct links with friends in Gaza.

The controversy surrounding Jeffrey Epstein's 50th birthday book—sometimes described as a birthday “album” or “card”—centers on a collection of messages, letters, and drawings assembled by close associate Ghislaine Maxwell and presented to Epstein in 2003. The book reportedly included contributions from a wide circle of powerful friends, business figures, and celebrities, some of whom later claimed little to no meaningful relationship with Epstein. What ignited public outrage is the tone of many entries: several were described as overly familiar, flattering, or suggestive, with at least one contribution allegedly including a crude drawing of a nude woman. In hindsight, these messages were interpreted as evidence of how normalized Epstein's behavior may have been within elite circles at the time, raising questions about who knew what—and when.The fallout has been fueled by denials, distancing, and credibility disputes from those allegedly connected to the book. Some individuals have rejected the authenticity of their purported contributions, while others have argued their messages were innocuous or taken out of context. The existence of the book itself has become symbolic of a broader issue: the extent to which Epstein was socially and professionally accepted among powerful figures despite long-standing allegations about his conduct. Critics argue that the birthday collection underscores a culture of willful blindness—or worse—among elites, while defenders insist that inclusion in such a book does not equate to knowledge of criminal activity. Either way, the controversy continues to feed into the larger narrative about Epstein's network and the institutional failures that allowed him to operate for years without meaningful accountability.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Why are last year's market darlings falling out of favor? And is Big Tech having its “Big Tobacco Moment”? Plus, how energy stock gains translate to broader economic pain. Host Imani Moise discusses the biggest stock moves of the week and the news that drove them. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

 Why are last year's market darlings falling out of favor? And is Big Tech having its “Big Tobacco Moment”? Plus, how energy stock gains translate to broader economic pain. Host Imani Moise discusses the biggest stock moves of the week and the news that drove them. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mike Kim is a three-time bestselling author, speaker, and strategic advisor who helps thought leaders, coaches, and authors turn what they do best into intellectual property that actually scales. He's generated over $5M in revenue from his expertise, wrote the Wall Street Journal and USA Today bestseller You Are the Brand, and has worked with New York Times bestselling authors and experts featured on PBS, TED, CNN, and Fox. In addition to speaking at events like South by Southwest, Social Media Marketing World, and Podcast Movement, he hosts the top-rated Brand U podcast, giving him a unique vantage point on where personal branding and AI are headed next. On this episode we talk about: Shutting down a successful marketing agency to build a lean, lifestyle-friendly business around coaching, communities, and IP How AI is reshaping creative work and why deep expertise and lived experience still command a premium The “time, money, or skills” framework for building offers that people will always pay for Turning one core set of ideas into multiple streams of income by niching your IP into specific industries Why building an audience now is non‑negotiable, even if you don't yet know what you'll sell Top 3 Takeaways You can intentionally downsize from an overextended agency into a lean business built on coaching, communities, and IP—and often make more while enjoying life more. In an AI world, the most defensible asset is your combination of deep expertise, clarity of thinking, and ability to apply principles to specific people and markets. If you help people make or save time, money, or skills—and you pair that with an owned audience—you'll always have a path to six or seven figures. Notable Quotes “If your business helps people make money, make time, or gain a skill—or saves them from any of those—you will make money no matter what.” “AI can pull the levers, but it can't replace years of insight, wisdom, and lived experience in a specific domain.” “Don't wait to build an audience until you know what to sell. Build the audience now—future you will know exactly how to serve them.” Connect with Mike Kim: LinkedIn: https://www.linkedin.com/in/mikekimtv Instagram: https://www.instagram.com/mikekim X: https://x.com/mikekimtv Other: https://mikekim.com  Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency. Capture leads, nurture them, and close more deals—all from one powerful platform. Get an extended free trial at gohighlevel.com/travis. Learn more about your ad choices. Visit megaphone.fm/adchoices

A.M. Edition for Mar. 27. Senate Republicans and Democrats agreed in the early hours of Friday morning to fund most of the Department of Homeland Security. WSJ congressional reporter Siobhan Hughes says the deal ends a standoff over immigration enforcement that's led to missed paychecks for airport-security workers and long lines for travelers. Plus, the Pentagon considers sending up to 10,000 more ground troops to the Middle East. And SpaceX prepares for a June IPO, potentially the largest ever, complete with Elon Musk's characteristic twists. Luke Vargas hosts.  Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

P.M. Edition for Mar. 27. President Trump directs federal officials to pay TSA workers, bypassing a gridlocked Congress. Plus, the Dow joins the Nasdaq in correction territory, meaning both indexes are down 10% from recent highs. What's News in Markets host Imani Moise says investors expect more pain from the war in the Middle East. WSJ chief foreign-affairs correspondent Yaroslav Trofimov joins from Dubai to discuss how countries in the Gulf are growing more hawkish on Iran. Alex Ossola hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Dow slides 1.7%, as the S&P 500 posts its fifth straight week of losses. Plus: Carnival shares drop after the cruise line cuts its outlook. And AstraZeneca shares rise after successful clinical trial results. Katherine Sullivan hosts. Sign up for the WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus: "Today" show co-anchor Savannah Guthrie is returning to the morning program. And Meta Platforms agrees to fund the massive energy infrastructure needed for a $27 billion data center project in Louisiana. Pierre Bienaimé hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus: Anthropic scores an early victory in its legal fight with the Pentagon. And Elon Musk's SpaceX is expected to file paperwork with regulators for its highly-anticipated IPO. Luke Vargas hosts.  Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

A fascinating story in the Wall Street Journal explains how Stellantis tells its own employees that the preferred parking spots on their premises are for people driving their own brand cars. https://www.lehtoslaw.com

Here's the podcast description for March 27, 2026: March 27, 2026: Your daily rundown of health and wellness news, in under 5 minutes. Today's top stories: WSJ reports consumers now take 20+ supplements daily spending $1K+ monthly, with SuppCo data showing average user spends $168/month but half of 500+ products fail label claims Longevity hotel market expected to grow from $7.6B in 2026 to $11.7B by 2030 as properties shift from wellness amenities to core health platforms eMed raises $200M at $2B+ valuation with Tom Brady as investor and Chief Wellness Officer, helping employers manage GLP-1 use through supervised platform Today's episode is brought to you by AIIR — a modern communications and experiential agency for health, wellness, fitness, and performance brands. From earned media to events and creator-led campaigns, AIIR helps companies sharpen their story, earn attention, and build trust that compounds. Visit https://aiir.agency to learn more. More from Fitt: Fitt Insider breaks down the convergence of fitness, wellness, and healthcare — and what it means for business, culture, and capital. Subscribe to our newsletter → insider.fitt.co/subscribe Work with our recruiting firm → https://talent.fitt.co/ Follow us on Instagram → https://www.instagram.com/fittinsider/ Follow us on LinkedIn → linkedin.com/company/fittinsider Reach out → insider@fitt.co

This week, President Trump posted on Truth Social that more ICE agents will be present at airports to address the long waits caused by the Department of Homeland Security partial shutdown. Elizabeth Neumann and Harvest Prude join us to discuss this and the ramifications of the shutdown. Then, a Georgia jury convicts a parent whose son murdered multiple people in a school shooting of second degree murder. Shooting survivor Taylor Schumann and breaking news reporter Jack Panyard help us understand these new prosecution strategies. Finally, a Los Angeles court ruled that Facebook, Instagram and YouTube are knowingly creating products that cause addiction and harm to children. Facebook whistleblower Frances Haugen and parent technology coach Krista Boen join to share about these technologies and the implications for families. REFERENCED IN THE EPISODE: Stop Being Anxious About Your Anxiety - Russell Moore ABOUT THE GUESTS: Elizabeth Neumann is a national security expert who has served across three presidential administrations: on the inaugural staff of the White House Homeland Security Council under President George W. Bush, as an advisor to the office of the director of national intelligence during the Obama Administration, and as the Department of Homeland Security's deputy chief of staff and assistant secretary for counterterrorism and threat prevention in the first Trump administration. Neumann is also a national security contributor for ABC News. Harvest Prude is Christianity Today's national political correspondent and a congressional reporter based in Washington, DC. She is a former reporter for The Dispatch and World, having served there as political reporter for their Washington bureau. Taylor Schumann is a writer, activist, and survivor of the shooting at New River Community College in Christianburg, Virginia in 2013. She wrote the book When Thoughts and Prayers Aren't Enough. Jack Panyard is a multimedia journalist covering breaking news, courts, crime, politics, education, and health for LNP and Lancaster Online. He has reported on Jeffrey Epstein's crimes in the podcast Broken: Jeffrey Epstein. Frances Haugen is an advocate for accountability & transparency in social media. In 2021 after becoming alarmed by the choices Facebook was making to prioritize their own profits over public safety, she disclosed tens of thousands of Facebook's internal documents to the SEC and The Wall Street Journal. Since then she has testified in front of Congress and has engaged with lawmakers internationally on how to best address the negatives of social media platforms. Krista Boan is the co-founder and director of culture at the organization Screen Sanity, a non-profit that provides trainings, tools and tips to help communities and families maximize the benefits of technology, while minimizing the negative side effects. GO DEEPER WITH THE BULLETIN: Join the conversation at our Substack. Find us on YouTube. Rate and review the show in your podcast app of choice. ABOUT THE BULLETIN: The Bulletin is a twice-weekly politics and current events show from Christianity Today moderated by Clarissa Moll, with senior commentary from Russell Moore (Christianity Today's editor-at-large and columnist) and Mike Cosper (senior contributor). Each week, the show explores current events and breaking news and shares a Christian perspective on issues that are shaping our world. We also offer special one-on-one conversations with writers, artists, and thought leaders whose impact on the world brings important significance to a Christian worldview, like Bono, Sharon McMahon, Harrison Scott Key, Frank Bruni, and more. The Bulletin listeners get 25% off CT. Go to https://orderct.com/THEBULLETIN to learn more. “The Bulletin” is a production of Christianity Today Producer: Clarissa Moll Associate Producer: Alexa Burke Editing and Mix: Kevin Morris Graphic Design: Rick Szuecs Music: Dan Phelps Executive Producer: Erik Petrik Senior Producer: Matt Stevens Learn more about your ad choices. Visit podcastchoices.com/adchoices

Philip Klay is a veteran of the U.S. Marine Corps. He is an author, a journalist and winner of the National Book Award. He currently teaches fiction at Fairfield University and his writing has appeared in The New York Times, The Washington Post, The Wall Street Journal, The Atlantic, The New Yorker and other esteemed publications. We discuss his recent piece in The New York Times, “Trump Has Made a Fundamental Miscalculation about Iran.” https://www.nytimes.com/2026/03/22/opinion/trump-iran-war-memes.html

How do you develop a healthy, empowered relationship with food? Dr. Melissa McCreery joins us on the podcast to talk about emotional eating and overeating. She is a psychotherapist who has helped thousands of women transform their relationships with food for over 30 years. Her approach centers around uncovering "Hidden Hungers," dissolving self-sabotaging beliefs, and creating sustainable freedom from emotional eating and overeating. As the creator of the Your Missing Peace program and host of the Too Much on Her Plate Podcast, she guides her clients to take their power back from food - and from the emotional cycles that keep them stuck. She has been featured in The Wall Street Journal, Good Housekeeping, Women's Health, Fitness, Self, CNN Health, and Weight Watchers Magazine. See more about Dr. McCreery at https://toomuchonherplate.com -------------- Support the podcast through Buy Me a Coffee! https://buymeacoffee.com/drlizbonet Support the Podcast & Help yourself with Hypnosis Downloads by Dr. Liz! http://bit.ly/HypnosisMP3Downloads Do you have Chronic Insomnia? Find out more about Dr. Liz's Better Sleep Program at https://bit.ly/sleepbetterfeelbetter Search episodes at the Podcast Page http://bit.ly/HM-podcast --------- About Dr. Liz Interested in hypnosis with Dr. Liz? Schedule your free consultation at https://www.drlizhypnosis.com Winner of numerous awards including Top 100 Moms in Business, Dr. Liz provides psychotherapy, hypnotherapy, and hypnosis to people wanting a fast, easy way to transform all around the world. She has a PhD in Clinical Psychology, is a Licensed Mental Health Counselor (LMHC) and has special certification in Hypnosis and Hypnotherapy. Specialty areas include Anxiety, Insomnia, and Deeper Emotional Healing. A problem shared is a problem halved. In person and online hypnosis and CBT for healing and transformation. 

“Friction is what brings us together. If we were never able to communicate in real space, we would not truly learn what it is to be human.” — Stephen BalkamIs social media a drug? In what the Financial Times called a landmark case, Facebook (Meta) and YouTube (Google) have been found guilty of designing their products to be addictive to kids. Is this a big tobacco moment? the tut-tutting New York Times asked. In contrast, the free market Wall Street Journal called it a shakedown.So what to make of this decision to make social media a narcotic? Stephen Balkam — founder and CEO of the Family Online Safety Institute (FOSI), amongst Washington's most credible nonpartisan voices on kids and technology, has been on the front lines of this fight for nearly thirty years. Calling himself a radical moderate, he sees good and bad in social media. He even expelled Meta from FOSI three years ago for what he calls conduct contrary to the institute's mission.Balkam's sharpest disagreement is with Jonathan Haidt, amongst the shrillest voices arguing in favor of a social media ban for kids. He “violently agrees” with Haidt on the idea of a free-range childhood — giving kids more freedom outdoors. But the evidence Haidt uses to justify banning social media confuses correlation with causation, a basic research error that, Balkam insists, academic researchers have called out. Balkam thinks the real anxious generation isn't the kids — it's us, the paranoid parents, projecting our mostly irrational fears onto our children.His deeper argument is in favor of friction. Silicon Valley has spent thirty years removing friction from ordering pizza, hailing cabs, and dating. Balkam argues we need to design it back into childhood — the friction of developing friendships, building resilience, learning to think critically instead of outsourcing cognition to ChatGPT at midnight. Bring the human friction of life back, Balkam argues. It's the most effective antidote to the drug of online existence.Five Takeaways•       Yesterday Was Tech's Big Tobacco Moment — Sort Of: Meta and Google found liable for harm to children's mental health. Balkam sees strong parallels to the tobacco cases of the nineties but resists the lazy comparison. The repercussions will extend beyond social media to AI. The hundreds of trials still to come will shape the next decade of tech regulation.•       Congress Gets a D-Minus: America is the last advanced country without a national privacy framework. COPPA dates to the late nineties. KOSA never passed. The result is a splintering of state-level laws and no coherent federal approach. Meanwhile, parents are overwhelmed, and the tech companies retrofitted safety features years after the damage was done.•       Jonathan Haidt Got the Free-Range Part Right. The Rest Is Shaky: Balkam “violently agrees” with Haidt on giving kids more freedom outdoors. But the evidence Haidt uses for his social media bans confuses correlation with causation — a basic research error. Academic researchers violently disagree with him. His book directly caused Australia's social media ban. Balkam thinks we — the parents — are the anxious generation, not the kids.•       42% of Teens Talk About Their Feelings with AI Chatbots: 60% say they feel safe using AI. 44% say some of its behaviours freak them out. They're using it for homework, for loneliness, for practical advice, for asking how to invite someone to prom. And they're worried about their job prospects. The three waves of concern: content in the nineties, behaviour in the 2000s, emotional attachment and cognitive outsourcing now.•       Bring the Friction Back: Silicon Valley has spent thirty years removing friction from ordering pizza, hailing cabs, and dating. Balkam argues we need to design friction back into childhood — the friction of developing friendships, building resilience, learning to think critically. A plush AI toy called Grok is being marketed to three-year-olds. It's always there, always positive, always frictionless. That's the dystopia. About the GuestStephen Balkam is the founder and CEO of the Family Online Safety Institute (FOSI), a nonpartisan organisation dedicated to making the online world safer for kids and families. FOSI's members include Google, Amazon, Microsoft, and other leading technology companies. Balkam is based in Washington DC and will teach an MA course on online safety at Georgetown University in 2027.References:•       Family Online Safety Institute — FOSI's research, policy work, and resources for parents.•       Episode 2849: How Stories Can Save Us — Colum McCann on Narrative Four. Social media promised storytelling. It delivered isolation.•       Episode 2846: How to Be Agreeably Disagreeable — Julia Minson on disagreeing better. Balkam's friction argument is the parenting version.About Keen On AmericaNobody asks more awkward questions than the Anglo-American writer and filmmaker Andrew Keen. In Keen On America, Andrew brings his pointed Transatlantic wit to making sense of the United States — hosting daily interviews about the history and future of this now venerable Republic. With nearly 2,800 episodes since the show launched on TechCrunch in 2010, Keen On America is the most prolific intellectual interview show in the history of podcasting.WebsiteSubstackYouTubeApple PodcastsSpotify Chapters:(00:31) - Introduction: Meta and Google found liable for harm to children (03:23) - Big tobacco or something different? (04:29) - Julia Angwin: should big tech pay us? (06:23) - FOSI and the radical moderate (07:25) - Congress gets a D-minus: no federal privacy bill (09:34) - Safety by design vs. retrofitting parental controls (09:49) - Why FOSI expelled Meta — and Twitter (12:38) - The pendulum from optimism to paranoia (14:48) - Jonathan Haidt: brilliant on free-range kids, wrong on the evidence (18:05) - Australia's ban vs. Greystones, Ireland: local solutions work (22:20) - Trump's tech panel: Zuckerberg and Andreessen (24:19) - Melania and the robot: the optics of grift (26:54) - 42% of teens talk about their feelings with AI chatbots (31:22) - Bring the friction back: critical thinking vs. ChatGPT at midnight (35:25) - Grok: the AI plush toy marketed to three-year-olds

On this episode of The Ty Brady Way, Ty sits down with Brian Will, a man who grew up in a small farm town in Ohio, failed out of high school at 16, served eight years across the Air Force and Army, and went on to launch ten companies over 35 years, sell two into venture capital and one into private equity, write four books including two Wall Street Journal bestsellers, and is currently building an AI startup in Atlanta. Brian's story is not a straight line to the top. It is a masterclass in getting knocked down, learning the lesson, and getting back up every single time. Brian shares his Five Keys to Success, which he is quick to point out are the exact same five keys to failure if you ignore them. It starts with your why, because if it is not strong enough, the first wave of adversity will knock you out. From there he breaks down why you need to understand who you are in your business, why most founders are technicians pretending to be CEOs, why ego is the silent killer of growing companies, and why not knowing your numbers is the fastest way to bleed a business dry without ever realizing it. The conversation goes deep on delegation and scaling, and Brian does not sugarcoat it. He explains why the founder is almost always the bottleneck when a company gets stuck, and why going from two million to ten million requires the willingness to temporarily take less money home so you can build the infrastructure underneath you that actually gets you there. He also walks through how he approaches broken sales organizations, building profit and loss statements by individual salesperson, cutting the channels and the people that are quietly losing money, and reallocating those resources to the performers who are starving for more leads. Ty and Brian also get into the future of business and agree on one thing without hesitation: if you are not using AI right now, you are already behind. Brian shares how he rebuilt seven financial documents totaling 20,000 lines of code in a single afternoon by himself, work that would have previously required a team of three for two weeks. His message is simple: AI is not going away, so stop debating it and start learning it. Brian closes with one of the most powerful points of the whole conversation. Tim Cook, the man running a three trillion dollar company, still meets quarterly with a board of directors and works with a personal coach. If the CEO of Apple needs ten to twelve people helping him lead, what makes any entrepreneur think they can figure it all out alone? Find someone who has been there, check your ego, take the advice, and go build something worth building. As always, we would like to hear from you!

Wall Street Journal

Meta and Google, the parent company of YouTube, were found liable for harming a woman's mental health due to addictive design features, a California jury found in a landmark decision on Wednesday, just one day after a jury in New Mexico ordered the Facebook parent company to pay $375 million for enabling child exploitation and misleading the users about safety features. Key Facts Meta and Google are liable to pay $3 million in damages to the plaintiff, only identified as a 20-year-old woman named K.G.M., who said she became addicted to the two companies' apps due to addictive features. Meta, which owns Facebook and Instagram, was ordered to pay out 70% of the damages, while YouTube was ordered to pay the remaining 30%, the Wall Street Journal reported. The lawsuit also named TikTok and Snap, the parent company of Snapchat, as defendants, but both companies settled out of court for undisclosed sums. Meta founder Mark Zuckerberg and Instagram chief Adam Mosseri both testified at the trial, where Zuckerberg insisted the company was “building this thing to be a good thing that has value in people's lives,” Courthouse News reported in February. “We respectfully disagree with the verdict and are evaluating our legal options,” Meta spokesperson Francis Brennan told Forbes in a statement, while Google spokesperson José Castañeda said in a separate statement the company disagrees with the verdict and plans to appeal, adding, “this case misunderstands YouTube, which is a responsibly built streaming platform, not a social media site.” The verdict did not appear to impact stock prices, Meta shares up slightly (0.46%) and Google parent Alphabet's down slightly (0.3%). Read the full story on Forbes: By Zachary Folk https://www.forbes.com/sites/zacharyfolk/2026/03/25/meta-and-google-found-liable-in-social-media-addiction-trial/ Learn more about your ad choices. Visit megaphone.fm/adchoices

US President Trump announced a 10-day pause in planned strikes on energy plants to Monday, 6th April 2026 at 8 PM, at the request of the Iranian government, while he added that talks with Iran are going very well.Iran wants the US to dial back demands in the 15-point peace plan before starting any talks, according to WSJ, citing sources, while Iran is open to the possibility of talks but deems the US proposals excessive.Iranian officials were said to be interested in talks despite the announcement of their rejection of the US proposal, while mediators are pressuring Tehran to agree to a meeting with Washington in the coming days, according to Axios.The US is considering sending up to 10,000 additional ground troops to the Middle East, according to WSJ.APAC stocks were cautious but off worst levels; European equity futures indicate a positive cash market open with Euro Stoxx 50 futures up 0.5%.Looking ahead, highlights include UK Retail Sales (Feb), Spanish CPI Prelim. (Mar), University of Michigan Consumer Sentiment Final (Mar), ECB Consumer Inflation Expectations. Speakers include Fed's Barkin, Daly & Paulson, ECB's Schnabel. Supply from Italy. Credit Ratings include Fitch Ratings on Switzerland, Moody's on Italy & Spain, Scope Ratings on the EU.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

A.M. Edition for Mar. 26. President Trump is privately telling advisors he believes the war in Iran is in its final stages and that he hopes to see a diplomatic end to the conflict within weeks. Plus, IMO Secretary-General Arsenio Dominguez discusses the plight of 20,000 mariners stuck on ships in the Persian Gulf and the mounting economic costs the longer the war drags on. And after unearthing hundreds of millions of carats, Rio Tinto exits the diamond business. Luke Vargas hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

P.M. Edition for Mar. 26. Major U.S. indexes fell today, with the Nasdaq dropping 2.4% and closing in a correction–more than 10% below its recent high. Plus, officials suspect that Iran is behind a series of attacks on Jews across Western Europe. The Wall Street Journal's chief European political correspondent Bojan Pancevski discusses how Iran is adopting Russia's playbook. And Wall Street bonuses hit a record. Alex Ossola hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

(00:00) Fred and Hardy share some tips on tipping(21:07.843) Jared Diamond covers the MLB for the Wall Street Journal - He joins the show to talk about the Red Sox, opening day and much more!(34:18.053) Please note: Timecodes may shift by a few minutes due to inserted ads. Because of copyright restrictions, portions—or entire segments—may not be included in the podcast.CONNECT WITH TOUCHER & HARDY: linktr.ee/ToucherandHardyFor the latest updates, visit the show page on 985thesportshub.com. Follow 98.5 The Sports Hub on Twitter, Facebook and Instagram. Watch the show every morning on YouTube, and subscribe to stay up-to-date with all the best moments from Boston's home for sports!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Plus: EU lawmakers vote on whether to back its U.S. trade deal. And Rio Tinto exits the diamond business. Luke Vargas hosts.  Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Oil prices pushed above $100. Plus: Olaplex shares rally after acquisition deal. And H&M stock slides after muted sales. Katherine Sullivan hosts. Sign up for the WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus: Mortgage rates rise for the fourth week in a row, threatening to chill the start of the spring home-buying season. And the Justice Department said it filed an antitrust lawsuit against the NewYork-Presbyterian hospital system. Alex Ossola hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

➡️ Want To Learn More About Partnering With Me at eXp (Get all my Training & Coaching For Free) Schedule a Zero Pressure, Fully Confidential Zoom Call with me: https://go.oncehub.com/PartnerwithJoshuaSmithGSD   ➡️ Connect With Me On Social Media: Facebook: https://www.facebook.com/JoshuaSmithGSD Instagram: https://instagram.com/joshuasmithgsd/   About Joshua Smith: -Licensed Realtor/Team Leader Since 2005 -Voted 30th Top Realtor in America by The Wall Street Journal -NAR "30 Under 30" Finalist -Named Top 100 Most Influential People In Real Estate -Top 1% of Realtors/Team Leaders Worldwide -6000+ Homes Sold & Currently Selling 1+ Homes Daily -Featured In: Forbes, Wall Street Journal, Inman & Realtor Magazine -Realtor, Team Leader, Coach, Mentor

On today's show we are analyzing an office to residential conversion project in Washington DC that was reported in the Wall Street Journal. The developer bought it at a great price of $25.53 per square foot, far below replacement cost. But the geometry of the building is not ideal. The usable area is far below the total unless major modifications are made to the building's interior. The biggest question is whether the market will realistically absorb a large number of units in that location, given the lack of community amenities like schools, groceries, health care. It's in the tourist and business core of Washington DC.----------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

Find Holly Peterson's work here. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is your digital infrastructure actually secure, or are you just waiting for the next cyber threat to put you out of business? What does it take to stay ahead of bad actors in an industry where the window for a response has shrunk from months to minutes? Joe Ohr is back on the show, and today, he's joined by Todd Florence from Estes Express Lines to discuss the current state of cybersecurity in logistics! We're diving deep into the launch of the NMFTA Threat Portal and the Freight Fraud Prevention Hub, essential tools designed to help carriers and brokers share real-time data on everything from double brokering to advanced social engineering attacks. Todd doesn't hold back on why protecting your threat information isn't a competitive advantage; it's a liability to the entire national supply chain. Whether you're a one-truck owner-operator or a massive LTL carrier, you need to understand that everyone is on the radar, and having a practiced response plan is the only way to survive in this digital revolution. It's time to stop burying your head in the sand and start collaborating because, at the end of the day, the data is just as important as moving the freight itself! Visit https://bit.ly/4t5SPr5 to learn more about the Freight Fraud Prevention Hub and Threat Portal!   About Joe Ohr Joe Ohr has more than two decades of experience in technical operations, customer success management, customer support, and product support. Currently serving as the Chief Operating Officer for the National Motor Freight Traffic Association, Inc. (NMFTA)™, he plays a pivotal role in helping to advance the industry through digitization, classification, and cybersecurity. Prior to Ohr's role at NMFTA, he served as in numerous engineering and operations positions at Qualcomm and Eaton, and most recently held the position of Senior Vice President of Operations/Customer Experience at Omnitracs. Throughout his career, Ohr has provided strategic guidance, vision, and a roadmap for addressing long-term customer challenges. He has played a key role in accelerating revenue growth and has collaborated closely with IT, product, and engineering teams to foster stronger partnerships with strategic customers and peers. Additionally, Ohr has overseen post sales customer support and service teams, as well as operations, managing a workforce of over 400 individuals. He holds multiple certifications such as CCNA from Cisco and MCSE from Microsoft and earned his Bachelor of Science in Education from the Ohio State University. Due to his contributions to the industry, he earned a spot in the Inner Circle in 2015 and 2018 from Qualcomm and Omnitracs.   About Todd Florence Todd is the Chief Information Officer at Estes Express Lines, where he has led transformative IT initiatives since joining the company in 2020. He directs Estes' technology strategy and teams, driving innovation to make shipping seamless for customers and employees. Under his leadership, Estes implemented Samsara for Telematics in just six months—earning national recognition—and advanced key digital tools and routing systems. With over 20 years of leadership experience, including 15 years at Celerity, Todd brings deep expertise in technology integration, strategy, and business transformation. He holds both a B.S. and MBA from The American University and is a Certified Scrum Master and Six Sigma Yellow Belt. A frequent industry speaker and recognized thought leader, Todd has been featured in The Wall Street Journal and named one of Samsara's "100 Fleet Operators to Watch" in 2025.  

Our 238th episode with a summary and discussion of last week's big AI news!Recorded on 03/18/2026Hosted by Andrey Kurenkov and Jeremie HarrisFeel free to email us your questions and feedback at andreyvkurenkov@gmail.com and/or hello@gladstone.aiRead out our text newsletter and comment on the podcast at https://lastweekin.ai/In this episode:* OpenAI released GPT-5.4 mini and nano with 400k-token context windows, higher per-token prices but claimed token-efficiency gains in Codex; nano is API-only and pitched for high-volume classification/data extraction despite a major price increase.* Mistral open-sourced the Small 4 model family (MoE, 119B total/6B active) combining reasoning, multimodal, and coding-agent capabilities, and announced Forge to help businesses train or post-train custom models.* Agent “operating system” competition intensified with Meta's acquired Manus launching a local Mac agent, Nvidia announcing NeMo/“Open Shell” sandboxed agent runtime, and Nvidia also unveiling DLSS 5 plus major hardware forecasts including Groq LPU integration.* Business and safety updates included OpenAI shifting focus toward productivity/enterprise amid competition, Microsoft reorganizing Copilot and frontier-model efforts, Meta delaying its next model, China-linked ByteDance deploying large Nvidia clusters abroad, and new safety work on steganography, chain-of-thought faithfulness, fine-tuning defenses, cyber-attack evals, and constitution/spec compliance.A thank you to our current sponsors:Box - visit Box.com/AI to learn moreODSC AI - go to odsc.ai/east and use promo code LWAI for an additional 15% off your pass to ODSC AI East 2026.Factor - head to factormeals.com/lwai50off and use code lwai50off to get 50 percent off and free breakfast for a yearTimestamps:(00:00:10) Intro / Banter(00:01:56) News PreviewTools & Apps(00:02:39) OpenAI ships GPT-5.4 mini and nano, faster and more capable but up to 4x pricier(00:08:04) Mistral's new Small 4 model punches above its weight with 128 expert modules(00:14:03) Meta's Manus launches 'My Computer' to turn your Mac into an AI agent - 9to5Mac(00:17:57) NVIDIA Announces NemoClaw for the OpenClaw Community | NVIDIA Newsroom + Nvidia boosts knowledge work with Open Agent Development Platform(00:24:09) DLSS 5 looks like a real-time generative AI filter for video games | The Verge(00:26:36) OpenAI to Launch ChatGPT 'Adult Mode' Despite Warnings From Its Own Advisers - CNETApplications & Business(00:33:46) OpenAI Reportedly Pivoting to a Focus on Business and Productivity Only(00:41:25) Nvidia GTC 2026: CEO Jensen Huang sees $1 trillion in orders for Blackwell and Vera Rubin through '27(00:45:44) Mistral launches Forge to help enterprises build their own AI models(00:54:17) China's ByteDance gets access to top Nvidia AI chips, WSJ reports(00:57:57) Meta Delays Rollout of New A.I. Model After Performance Concerns(01:02:50) Microsoft Shakes Up AI Division As Copilot Falls Behind Google and OpenAIPolicy & Safety(01:07:26) A Decision-Theoretic Formalisation of Steganography With Applications to LLM Monitoring(01:13:09) Reasoning Theater: Disentangling Model Beliefs from Chain-of-Thought(01:18:29) In-Training Defenses against Emergent Misalignment in Language Models(01:23:07) How do frontier AI agents perform in multi-step cyber-attack scenarios?(01:25:20) Eval awareness in Claude Opus 4.6's BrowseComp performance(01:29:49) Introducing Bloom: an open source tool for automated behavioral evaluations(01:32:26) How well do models follow their constitutions?(01:37:11) Nvidia's H200 License Stirs Security Concern Among Top DemocratsResearch & Advancements(01:40:050) [2603.15031] Attention Residuals(01:47:11) Mamba-3: Improved Sequence Modeling using State Space PrinciplesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Women could not open their own bank accounts without a man's signature until 1974. That is not ancient history. The people who lived through it are still alive. And the financial world Childfree women are navigating today was built in that shadow.In this episode, Bri Conn, CFP® sits down with Grace L. Williams, financial journalist and author of Give Her Credit, to trace the women's banking movement from a living room in Denver to the laws that changed everything. Grace spent nearly a decade researching the founders of Women's Bank, the legislation that finally gave women access to credit, and the remarkable, often overlooked stories of the women who made it happen. In This Episode, You'll Learn:Why women's access to credit is recent history that still shapes how Childfree women plan today.How the founders of Women's Bank in Denver built something extraordinary within the constraints of their time, and what their stories reveal about financial autonomy, resilience, and the power of collective action.Why lenders once required women to disclose their reproductive plans before applying for a loan.How access to credit changed the calculus of marriage, independence, and life design for women, and what it means to build a financial life grounded in choice rather than circumstance.Why financial rights remain fragile and worth protecting, and what the arc of the women's banking movement can teach us about where we are now and what we stand to lose.Episode Host:Bri Conn, CFP® is a CERTIFIED FINANCIAL PLANNER®, Childfree Wealth Specialist® at Childfree Wealth®, and Customer Experience Manager at Childfree Trust®.Episode Guest:Grace L. Williams is a financial journalist, content strategist, and author with over 20 years of experience translating complex financial and cultural topics into accessible, engaging narratives. Her work has been featured in The Wall Street Journal, Forbes, Harvard Business Review, and Yahoo Finance. She is the author of “Give Her Credit” (Little A, 2025), which chronicles the women's banking movement and the rise of female financial empowerment. Grace is an alumna of the Columbia University Graduate School of Journalism and has spent her career following the money to understand what people buy, why they buy it, and what it reveals about culture and power.Find Grace on LinkedIn: https://www.linkedin.com/in/grace-l-williams-547a054/Give Her Credit is available at independent bookstores, Amazon, Barnes & Noble, and Target.About Childfree InsightsChildfree Insights delivers education for financial and estate planning without children. It supports people with no kids in making informed decisions about retirement, legacy planning, beneficiaries, and long-term care. Home of Childfree Wealth® and Childfree Trust®.Connect with Us:Ready to work on building better financial habits? Connect with our financial planning team at childfreewealth.com or learn more about estate planning at childfreetrust.com.Follow Childfree Life by Design on your favorite podcast platform and join the conversation on social media:Instagram: https://www.instagram.com/childfreeinsightsFacebook: https://www.facebook.com/ChildfreeInsights/LinkedIn: https://www.linkedin.com/company/childfreeinsightsYouTube: https://www.youtube.com/@ChildfreeInsightsDisclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast.

P.M. Edition for Mar. 25. A Los Angeles jury found that Meta and YouTube were negligent for operating products that harmed kids and teens, and failed to warn about those dangers. We hear from WSJ tech reporter Meghan Bobrowsky about what the decision means for the future of social media companies. Plus, after years of notoriously high crime rates, Venezuela is now much safer. WSJ reporter Kejal Vyas recently traveled there and explains why and what it means for Venezuela's economic future. And while airports are snarled in security chaos, one company is coming out a winner. Alex Ossola hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

A.M. Edition for Mar. 25. Mediators are pushing for a meeting between U.S. and Iranian officials as early as tomorrow in the hopes of ending the war in the coming days. However, WSJ Middle East correspondent Benoit Faucon says the two sides remain far apart, as Washington repeats a number of longstanding demands. Plus, a jury in New Mexico finds Meta liable for allowing adults to prey on children. Tech reporter Sam Schechner analyzes the verdict. And the toymaker behind the Labubu craze reports blockbuster earnings, but investors aren't amused. Luke Vargas hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

The boys talk about the $200 billion funding request for the war in Iran, the things that money could pay for instead, Pete Hegseth only speaking in Haikus, a Politico article that revealed the Trump admin's consent manufacturing strategy is to post “banger memes”, what's going on with Cuba, and a WSJ article beefing with Hasan. BECOME A PATRON.Early access on Patreon: https://www.patreon.com/headintheofficepodSubstack: https://headintheoffice.substack.com/HITO Merch: https://headintheoffice.com/ Get 40% off Ground News: https://ground.news/checkout/all?fpr=headintheoffice YouTube: https://www.youtube.com/channel/UC4iJ-UcnRxYnaYsX_SNjFJQSubscribe to second channel: https://www.youtube.com/channel/UC3UoTN328OA7fK2dzicP-ZATikTok: https://www.tiktok.com/@headintheoffice?lang=enInstagram: https://www.instagram.com/headintheoffice/Twitter: https://twitter.com/headintheofficeThreads: https://www.threads.com/@headintheofficeDiscord: https://discord.gg/hito Collab inquiries: headintheofficepod@gmail.com(0:00) Pete Hegseth is CORNY(7:03) Intro/reviews(11:09) War with Iran, $200B request(44:19) Poster-occupied government(57:49) US is starving Cuba(1:06:28) WSJ Hasan Piker article(1:12:46) Extras(1:15:55) Ending/reviewsSeen on this episode:Iran updates - https://www.politico.com/news/2026/03/18/white-house-iran-game-online-00834373?utm_source=firefox-newtab-en-us https://www.axios.com/2026/03/21/trump-peace-deal-iran-kushner-witkoff https://www.nbcnews.com/world/iran/iran-unswayed-trumps-48-hour-deadline-threats-obliterate-energy-infras-rcna264607 https://www.nbcnews.com/world/middle-east/live-blog/live-updates-iran-war-trump-hormuz-deadline-energy-crisis-gulf-power-rcna264685Cuba news - https://thehill.com/policy/energy-environment/5794480-us-embassy-cuba-diesel-fuel-iran-conflict/ https://www.cnn.com/2026/03/18/americas/cuba-us-pressure-blackout-latam-intl Incredible piece from the WSJ - https://www.wsj.com/opinion/free-expression/democrats-are-too-cozy-with-hasan-piker-2ecee4cc?mod=e2tw 

Plus: Chewy shares rally after upbeat guidance. And Newmont stock rises after gold prices rebound. Katherine Sullivan hosts. Sign up for the WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus: Arm Holdings pivots from partner to rival, sending shares soaring on news it will design and sell its own chips. And South Korean chip giant SK Hynix is eyeing a U.S. listing. Luke Vargas hosts.  Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to The Times of Israel's Daily Briefing, your 20-minute audio update on what's happening in Israel, the Middle East and the Jewish world. Mideast expert Ksenia Svetlova joins host Amanda Borschel-Dan for today's episode. WATCH the full episode here: https://youtu.be/7Ove9pjO0b0?si=scSvUXwQmNxtcMfq Former MK Svetlova is the executive Director of ROPES (Regional Organization for Peace, Economics & Security) and a senior non-resident fellow at the Atlantic Council. Saudi Arabia and the United Arab Emirates are reportedly moving closer toward actively joining the fight against Iran, as the war in the Middle East threatens their economies. According to the Wall Street Journal on Tuesday, the Gulf states are “inching toward” a more active role, after Riyadh allowed US forces to use an air base within its borders. In today's special episode, Svetlova gives context to the ongoing US and Israeli war with Iran, and sets the scene of the relationships between the Islamic Republic and the Gulf states it is currently hitting. We hear how Iran's proxy war -- a "ring of fire" -- was initiated against Israel, and also against Iran's neighboring Muslim states. We explore what the goal of the 1979 Islamic Revolution was, and how -- when other Arab states failed to go along with it -- Iran has attempted to export the upheaval to the region. And finally, drawing on Russian-language reporting, Svetlova assesses the status of Iran's regime and whether it is anywhere near being compromised. Check out The Times of Israel's ongoing liveblog for more updates. For further reading: Saudi Arabia and UAE ‘inching toward’ joining fighting against Iran — report A long road to the end: The death throes of Iran’s regime could last for years Subscribe to The Times of Israel Daily Briefing on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts. Ari Schlacht edited this episode. IMAGE: A visitor walks past a U.S. Air Force A-10 Thunderbolt II aircraft as it on display at the World Defense Show in Riyadh, Saudi Arabia, February 8, 2026. (AP Photo/Baraa Anwer)See omnystudio.com/listener for privacy information.

Donald Trump backtracks on his threat to obliterate Iran's power plants, saying the administration has begun talks with Iran to end the war, despite Iran's insistence that no talks are underway. Jon, Tommy, and Lovett react to the reversal and debate its validity, discuss the White House's decision to lift sanctions on 140 million barrels of Iranian oil, and check in on the Pentagon's request for an additional $200 billion to wage this war. Then, they react to Trump's plan to send ICE agents into airports to assist the TSA, a Wall Street Journal report about a revolt brewing inside the Democratic Party over Chuck Schumer's leadership, and the president's disgusting comment on the death of Robert Mueller. Finally, Strict Scrutiny's Leah Litman stops by to talk to Lovett about the major mail-in voting case before the Supreme Court and the drama inside the New Jersey US Attorney's office.

A.M. Edition for Mar. 24. U.S. allies in the Persian Gulf are tightening the screws on Tehran in response to persistent attacks. Rystad Energy's Jorge León explains how Iran's continued strikes on the region and ability to exert control over the Strait of Hormuz mean oil is likely to remain expensive for longer. Plus, the EU and Australia ink a free-trade deal as the world's “middle powers” link up. And Estée Lauder is in talks to acquire Puig Brands in a deal that would create a global beauty giant and add cult brands Charlotte Tilbury and Byredo to its sprawling portfolio. Luke Vargas hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

P.M. Edition for Mar. 24. Investors are trying to pull their money out of private-credit funds. WSJ banking reporter Alexander Saeedy joins to discuss why big banks like JPMorgan Chase see risk… and also reward. Plus, before Sunday's collision at New York's LaGuardia Airport, there were dozens of close calls in recent years. We hear from Jacob Passy, who covers travel for the Journal, about what regulators are trying to do about it, as well as the latest on the Laguarida investigation. And WSJ economics reporter Justin Lahart explains why CFOs think AI isn't taking all the jobs. Alex Ossola hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices