Podcasts about Wells Fargo

Plus: Joby Aviation completes its first autonomous flight across the U.S. And Netflix shares fall after Wells Fargo downgrades its stock. 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Carl Quintanilla, Jim Cramer and David Faber explored what's next for the markets after Thursday's post-Fed rate hike rally — which marked the best day for the Nasdaq and S&P 500 since early August. The anchors also discussed Warren Buffett stepping down as chairman of Berkshire Hathaway. A big day for Apple: Its iPhone 18 lineup debuted in stores worldwide. Cramer spoke about what Apple CEO John Ternus told him at the company's flagship store in New York City. Also in focus: The Federal Reserve releases an independent review of the 2023 Silicon Valley Bank collapse; Record-high diesel prices' impact on the economy; Netflix downgraded; Wells Fargo bank analyst Mike Mayo's note on financial regulation and the midterms; Big banks in correction territory; All things AI. Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Market update for September 18, 2026Limited Time Promo: Sign up for a Public account, deposit $1,000 and get $100 in free stock (LINK)Follow us on Instagram (@TheRundownDaily) for bonus content and instant reactions.In today's episode, Zaid covers:Why stocks rallied after the Fed's first rate hike in three years Why the Bank of Japan's highest interest rate since 1995 could matter to U.S. investorsWarren Buffett stepping down as Berkshire Hathaway chairman after six decadesYeti rising on an analyst upgradeNetflix falling as Wells Fargo raises concerns about engagementApple sweeping the Emmy Awards despite almost nobody watching their shows

Welcome to this extra episode of the Leaders in Finance Podcast, recorded live after the third Leaders in Finance Compliance Event at the H'ART Museum in Amsterdam, where over 100 participants from more than 50 organisations came together to discuss the future of compliance in financial services, with a particular focus on AI, technology and crypto. Host Kees de Wit reflects on the day's key themes together with Leanne Joseph (moderator of the event), Tom van de Laar (Head of Financial Crime Compliance & Deputy Chief Compliance Officer, Rabobank), and Pieter van Doorn (Partner, Deloitte). Together, they discuss how rapidly developing technologies are changing the compliance profession, whether AI could eventually replace parts of the compliance function, and why human judgement will remain essential. They also reflect on the rise of crypto and neobanks, the impact of regulation such as MiCAR, and the continuing tension between innovation and effective oversight. And looking ahead: how can financial institutions, regulators and other public and private parties work together more effectively, build trust and respond with greater urgency to a rapidly changing financial landscape? A big thank you to all speakers, participants and our event partners for making this another inspiring edition of the Leaders in Finance Compliance Event. Leaders in Finance is made possible by the support of EY, Mogelijk Vastgoedfinancieringen, Duna and Lepaya. More information about our partners is available on our partner page. Want to stay up to date with Leaders in Finance? Subscribe to the newsletter. Questions, suggestions or feedback? We'd love to hear from you! You can reach us via email at info@leadersinfinance.nl and visit our website. Previous guests on the Leaders in Finance Podcast include Klaas Knot (former President of DNB), Frank Elderson (Member of the Executive Board of the ECB), Gerrit Zalm (former Minister of Finance and former CEO of ABN AMRO), Ingrid de Swart (Member of the Executive Board of a.s.r.), Pinar Abay (Member of the Management Board of ING and Head of Retail Banking), Robert Swaak (former CEO of ABN AMRO), Saul van Beurden (CEO of Consumer, Small & Business Banking at Wells Fargo), David Knibbe (CEO of NN Group), Janine Vos (Member of the Managing Board of Rabobank), Nadine Klokke (CEO of Knab), Maarten Edixhoven (CEO of Van Lanschot Kempen), Jeroen Rijpkema (CEO of Triodos Bank), Nout Wellink (former President of DNB), Onno Ruding (former Minister of Finance), Laura van Geest (Member of the Executive Board of the AFM), Ali Niknam (CEO of bunq), Joanne Kellermann (Chair of PFZW), Steven Maijoor (former Chair of ESMA), Jos Baeten (former CEO of a.s.r.), Karin van Baardwijk (CEO of Robeco), and Annette Mosman (CEO of APG).

In this episode of Read Receipt, Sean sits down with Michelle Arnau, co-founder and co-CEO of Mimikai, the first plant-based insect repellent proven to match DEET and Picaridin without the toxic chemistry.Michelle traces an unlikely path to founder: Wells Fargo commercial real estate workouts, a Kellogg MBA, twelve years at Method scaling it from unprofitable startup to an SC Johnson acquisition, then co-founding the clean pet care brand Rowan before winding it down. When a college friend introduced her to Stephanie Watson, who had spent years fighting the EPA to register undecanone, a compound from wild tomato plants and the first new repellent active in twenty-five years, she got on a plane to Australia the next week.She gets into the launch strategy behind a category-first product: why they led with Credo and REI before chasing mass shelf space, how they used velocity and repeat over door count, why she turned down a major retailer this year, and what it looks like to build with investors who back the long game over short-term revenue.Tune in for an honest look at building a regulatory moat, knowing a category cold before entering it, and what it takes to finally change an aisle your dad used as a kid!

“We were not going to make payroll next week.” How did three ecommerce CEOs turn rock bottom into their biggest lesson? Matt Bertulli (CEO, Pela Case & Lomi), Mike Beckham (CEO, Simple Modern), and Curtis Matsko (CEO, Portland Leather Goods) each share the darkest moment of their ecommerce careers. What came after built the self-awareness that changed how they lead. Curtis walks through the week Wells Fargo pulled a $20M line of credit after Silicon Valley Bank collapsed. Matt breaks down the hubris that nearly cost him payroll one Christmas. Mike shares the night a two-year venture fell apart. Their comebacks outweighed the crises, driven by a growth mindset none of them had before. Powered By Saras Analytics ⁠https://bit.ly/4a3gzVv⁠ Postscript ⁠https://9ops.co/postscript⁠ Aftersell https://9ops.co/4i3bb5 Richpanel https://9ops.co/richpanel Fulfil ⁠https://9ops.co/fulfil⁠ Northbeam https://www.northbeam.io/ Black Friday Resources https://www.9operators.com/black-friday Operators Portal https://portal.9operators.com/dashboard Operators Newsletter https://9operators.com/ 

A coast-to-coast edition of "Squawk on the Street": Carl Quintanilla at the NYSE; David Faber at the Morgan Stanley Global Healthcare Conference in New York; Jim Cramer in San Francisco as the Dreamforce conference enters day one. The anchors discussed President Trump dismissing the idea of new guardrails for AI. He made a surprise phone call to Jensen Huang while the Nvidia CEO was on stage Monday at the All-In Summit in Los Angeles. Hear what Elon Musk said at that event about the dangers of AI. Also in focus: The 10-year yield hits fresh 2007 highs above 5% on day one of the Fed meeting; New all-time highs for diesel; What Broadcom CEO Hock Tan told Jim on "Mad Money" about AI infrastructure; Wells Fargo lowers its year-end S&P 500 target; Bitcoin slides ahead of a Senate vote on the Clarity Act.Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Derek Evans managed a $6 billion REIT lending portfolio at Wells Fargo and structured a $3.5 billion bridge loan before joining Realberry as CFO. Now he’s helping guide the Realberry investment strategy through a move from $300 million to over $1 billion in annual deals. Chris Lopez sits down with Derek in studio to unpack how one of Colorado’s most established real estate firms actually decides what to build, what to buy, and what to walk away from. Derek spent 22 years at Wells Fargo before Chad McWhinney recruited him during COVID. His job now is to institutionalize the firm behind Union Station, Dairy Block, and Centerra without losing what made it work in the first place. The Realberry investment strategy is built on conservative leverage and a layered capital stack. Each investor tier fits a different kind of deal, and the firm is opening up a new digital channel to reach accredited investors for the first time. Derek walks through how those pieces fit together. From there, the conversation turns to the investment committee that decides what moves forward. Eight members, one meeting a week, and a voting rule that has ended more Denver metro deals than most investors would guess. Water rights, business climate, and market fundamentals across Colorado, Austin, and Phoenix all shape what gets a green light. Derek closes with where he sees capital moving next: luxury hospitality driven by K-shaped wealth trends, mixed-use in Loveland and Baseline, the firm’s first 55+ for-rent community, and a downtown Denver thesis that still hinges on getting employees back in office seats. In This Episode We Cover: Why Realberry targets 60 to 65% leverage and puts in 5 to 10% GP capital How ultra-high net worth, family office, and institutional capital each fit different deals The two no vote rule that kills any deal at investment committee Why the firm is actively bidding on multifamily in Colorado, Austin, and Phoenix What Derek looks for in luxury hospitality and 55+ for-rent product Why water rights have killed multiple Denver metro deals in the last five years The Realberry investment strategy behind downtown Denver, office-to-resi, and hotel conversions This episode wraps our three-part Realberry series. If you missed the earlier conversations with Chad McWhinney and Taylor Hazlett, go back and start there for the full picture of how the firm thinks about capital, deals, and Colorado. Watch the Youtube Video https://youtu.be/DvQ4uDlSv5Y Timestamps 00:00 Welcome and guest introduction 01:41 Managing a $6 billion REIT lending portfolio at Wells Fargo 04:49 Unsecured vs secured real estate lending (at a larger level*)  06:17 Why Derek left Wells Fargo for Realberry during COVID 08:06 Growing Realberry from $300M to $1B in annual deals 11:55 The Realberry capital stack and conservative leverage 14:45 Ultra-high net worth, family office, and accredited investor tiers 15:55 Institutional capital and the control rights tradeoff 22:19 Inside the Realberry investment committee 37:30 How two no votes kill any deal 28:47 Why Realberry is bidding on multifamily right now 31:54 Colorado, Austin, Phoenix, and Nashville fundamentals 32:25 Legislation, affordability, and Colorado’s business climate 37:11 Placing capital in Colorado 40:47 Water rights and the deals Realberry has killed 44:12 Luxury hospitality and the K-shaped wealth trend 45:29 Downtown Denver and office-to-resi conversions Links in Podcast Realberry Website: https://www.realberry.com Portfolio: https://www.realberry.com/portfolio LinkedIn: https://www.linkedin.com/company/realberryinvest Instagram: https://www.instagram.com/realberryinvest Investor inquiries: ir@realberry.com Derek Evans LinkedIn: https://www.linkedin.com/in/derek-evans-051b80a5/ This is the third and final episode in our three-part series with Realberry. If you haven’t caught the first two, start here. Episode 1 — Chad McWhinney, Co-Founder and CEO. Chad walks through the origin story, from a berry stand in Loveland to Union Station and Centerra. He covers 35 years of building in Colorado, how the firm thinks about long-hold capital, and the vision behind the rebrand to Realberry. Episode 2 — Taylor Hazlett, Senior Director of Private Capital. Taylor breaks down how Realberry filters 100 deals to close 2 or 3. He covers the firm’s multifamily underwriting in today’s market, the gap between replacement cost and acquisition pricing, and early signs of recovery across the Front Range. Together, the three episodes give you the founder’s vision, the deal team’s discipline, and the CFO’s capital architecture. That’s the full picture of how Realberry works. Who is Realberry? Realberry, formerly McWhinney, is a Denver-based real estate investment, development, and management firm founded in 1991 by brothers Chad and Troy McWhinney. For nearly 35 years, the firm has focused on creating places people love, with a portfolio spanning master-planned communities, multifamily, hospitality, industrial, and mixed-use developments. Its work includes Denver Union Station, Dairy Block, the Crawford Hotel, and Centerra, and has earned ULI Awards of Excellence, Michelin Keys, and U.S. News Best Hotels recognition. Realberry is family-founded, community-centered, and future-focused.

Renditen über 5 Prozent und teures Öl setzen die Wall Street erneut leicht unter Druck. Zehnjährige US-Staatsanleihen rentieren zeitweise bei 5,03 Prozent, der höchste Stand seit 2007. Brent steigt über 107 US-Dollar, während die saudische Ost-West-Pipeline weiterhin ausfällt. Entsprechend starten wir schwächer in den Tag, aber deutlich über den vorbörslichen Tiefs. Vor der morgigen Fed-Entscheidung gilt eine Zinserhöhung als weitgehend erwartet. Entscheidend werden deshalb die neuen Zinsprognosen und die Pressekonferenz: Signalisiert die Notenbank eine kurze Phase mit ein oder zwei Anhebungen oder einen längeren Zinserhöhungszyklus? Wells Fargo wird unterdessen vorsichtiger: Die Strategen senken das Jahresendziel für den S&P 500 von 7.950 auf 7.700 Punkte und sehen zunächst ein Rückschlagrisiko von fünf bis zehn Prozent. Bemerkenswert: Die Gewinnschätzungen steigen trotzdem. Das Problem sind aus Sicht der Bank hohe Bewertungen, nachlassende Liquidität und bereits stark investierte Anleger. Technologie wird auf „Neutral“ zurückgestuft, Gesundheitswerte auf „Übergewichten“ angehoben. Bei Halbleitern erwartet Wells Fargo mindestens einen erneuten Test der Juli-Tiefs. Die Sorge vor einer KI-Bremse erhält dagegen ein Gegengewicht: Broadcom-Chef Hock Tan sieht weiterhin starke Nachfrage und bislang keine Abschwächung. Das Spannungsfeld bleibt: Die Unternehmen liefern – aber hohe Renditen machen ihre Aktien nicht automatisch attraktiv. Ein Podcast - featured by Handelsblatt. ► Jetzt beim Börsenspiel Trader mitmachen und Range Rover Evoque gewinnen: https://sg-zerti.de/wall-street-podcast ► Entdecke den exklusiven NordVPN Deal! Jetzt risikofrei testen mit einer 30-Tage-Geld-zurück-Garantie: https://nordvpn.com/wallstreet * +++ Alle Rabattcodes und Infos zu unseren Werbepartnern findet ihr hier: https://linktr.ee/wallstreet_podcast +++ ► Meine Trades. Direkter Austausch.

Trixy Castro is a first-generation Latina entrepreneur, investor, and strategic advisor who built Genesis Capital and Genesis Auctions from the ground up before selling both companies to Fortune 500 firms Goldman Sachs and Fidelity National Title within nine months of each other. She has facilitated more than $20 billion in real estate transactions across debt and equity and continues to invest in real estate, fintech, AI, and sustainability. In this episode, Trixy shares how she went from tutoring elementary school students as a teenager to building billion-dollar businesses—and why focusing on the resources you already have can be the key to creating opportunities. On this episode we talk about: How Trixy started her first business at 14 with nothing more than time, creativity, and a stack of homemade business cards Why you should focus on the resources you have instead of getting stuck on what you lack How Trixy taught herself the real estate lending business while working at Wells Fargo and living in a college dorm The importance of understanding your customers' businesses and solving problems they may not even realize they have How listening to clients led Trixy to create Genesis Auctions and bridge the gap between banks with distressed assets and investors looking to buy them Why staying committed to your mission and vision can help you push through rejection and long sales cycles How Trixy's experiences with failure ultimately led to Success Unlocked, a free community designed to help entrepreneurs learn, grow, and build businesses Top 3 Takeaways Work with what you have. You don't need capital, connections, or expertise to get started. Your time, curiosity, willingness to learn, and ability to solve problems can be valuable resources—and they can help you earn your way into bigger opportunities. Understand the entire problem, not just your customer's request. Trixy built her businesses by getting deeply involved in her clients' operations and understanding where they were struggling. When you understand the challenges on both sides of a transaction, you can find opportunities to become the bridge. Keep your eyes on the North Star. Sales will fall through, prospects will say no, and progress will sometimes feel painfully slow. Having a clear mission and vision allows you to treat those setbacks as part of the process instead of evidence that your idea won't work. Notable Quotes "You can't get stuck with what you don't have." "When you help people make more money, they're like, 'Yeah, sure, come on over.'" "I learned more through failing than through winning." Connect with Trixy Castro: Social Media: Trixy Castro (@TrixyCastro) Website: SuccessUnlocked.com Community: Success Unlocked A Word from Our Sponsors: - The most successful business owners don't do it all themselves — they delegate. Upwork lets you build a team of highly skilled specialists for every function your business needs, so you can focus on what you do best and let experts handle the rest. Visit Upwork.com right now and post your job for free! - Go to Leesa.com for 30% OFF select mattresses (through September 13, 2026) PLUS get an extra $50 off with promo code TMM, exclusive for my listeners Learn more about your ad choices. Visit megaphone.fm/adchoices

Some conversations are worth returning to. This is certainly one of them. Anneka Treon's original appearance became the most-listened-to episode in the history of the Leaders in Finance Podcast. In this new ten-minute edit, Jeroen Broekema revisits some of its most memorable moments. Anneka talks about growing up as a competitive chess player and a self-described nerd, what first drew her to financial services, and the striking cultural differences between the United Kingdom and the Netherlands. She also reflects on ambition, competition and why building a career is ultimately a marathon, not a sprint. At the time of the original recording, Anneka worked at Van Lanschot Kempen. She has since joined ING, where she leads its global wealth management business. Enjoy these ten minutes with Anneka Treon. Would you like to hear more? Listen to the full original episode here. Leaders in Finance is made possible by EY, Duna, Mogelijk Vastgoedfinancieringen and Lepaya. Want to stay up to date with Leaders in Finance? Subscribe to our newsletter or explore all Leaders in Finance episodes. Questions, suggestions or feedback? We would love to hear from you. Email us at info@leadersinfinance.nl or visit leadersinfinance.nl. Previous guests on the Leaders in Finance podcast include: Klaas Knot (President of DNB), Frank Elderson (Member of the Executive Board of the ECB), Roland Boekhout (CEO of de Volksbank), Gerrit Zalm (former Minister of Finance and former CEO of ABN AMRO), Ingrid de Swart (Member of the Executive Board of a.s.r.), Pinar Abay (Member of the Management Board of ING and Head of Retail Banking), Robert Swaak (CEO of ABN AMRO), Marcel Zuidam (CEO of NN Bank), Saul van Beurden (CEO of Consumer, Small & Business Banking at Wells Fargo), David Knibbe (CEO of NN Group), Janine Vos (Member of the Executive Board of Rabobank), Nadine Klokke (CEO of Knab), Maarten Edixhoven (CEO of Van Lanschot Kempen), Jeroen Rijpkema (CEO of Triodos Bank), Nout Wellink (former President of DNB), Onno Ruding (former Minister of Finance), Yoram Schwarz (CEO of Movir), Laura van Geest (Chair of the Executive Board of the AFM), Katja Kok (CEO of Van Lanschot Switzerland), Ali Niknam (CEO of bunq), Nick Bortot (CEO of BUX), Petri Hofsté (supervisory board member, including at Rabobank and Achmea), Peter Paul de Vries (CEO of Value8), Barbara Baarsma (CEO of Rabo Carbon Bank), Jan van Rutte (supervisory board member at PGGM and BNG Bank and former CFO of ABN AMRO), Marguerite Soeteman-Reijnen (Chair of Aon Holdings), Lidwin van Velden (CEO of Nederlandse Waterschapsbank), Jan-Willem van der Schoot (CEO of Mastercard Netherlands), Joanne Kellermann (Chair of PFZW), Steven Maijoor (former Chair of ESMA), Radboud Vlaar (CEO of Finch Capital), Jos Baeten (CEO of a.s.r.), Karin van Baardwijk (CEO of Robeco), and Annette Mosman (CEO of APG).    

The CEO of Wells Fargo, Charlie Scharf, live from the company's 2026 Healthcare Conference in Boston. On the M&A pipeline, the consumer and the risks AI is posing to the industry. Then the CEO of fintech company Chime. After announcing plans to acquire Stride bank for $590M in cash. And the CEO of Charter in his first interview since closing the Cox deal. How he's trying to turn around a stock that has lost about two thirds of its value since 2022.Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if achieving more didn't have to mean sacrificing your peace, health, or happiness?In this episode, Jay Abbasi takes us behind the scenes of his journey from Tesla to helping high performers redefine what success can look like. He shares practical insights on breaking free from the beliefs and habits that keep ambitious people stuck in the cycle of constantly doing more, and how creating space can actually lead to greater performance, clarity, and fulfillment.If you're driven, ambitious, and constantly pushing toward the next goal, this conversation will challenge you to rethink how you're pursuing success - and, more importantly, whether you're actually enjoying the journey along the way.Tune in for a powerful conversation about ambition, mindset, sustainable success, and learning how to thrive without burning out.About Jay AbbasiJay Abbasi is a global keynote speaker, TEDx speaker, coach, and former Tesla leader who helps professionals thrive under pressure without burning out. At Tesla, he led national training programs for over 1,000 employees, and has since coached leaders at Google, Amazon, TikTok, Wells Fargo, and many more. He's been featured in Forbes Founder, Authority Magazine, and Medium, and is the host of the top-rated podcast Unstuck with Jay Abbasi. Blending corporate experience with deep expertise in mindfulness, resilience, andwell-being, Jay offers a powerful message: success isn't about avoiding challenges, but mastering them with clarity, energy, and purpose.Connect with Jay on LinkedInLearn more about Jay on his Website If you enjoyed this episode, make sure and give us a five star rating and leave us a comment on iTunes CONNECT WITH CHRISTINA!InstagramLinkedInChristinalecuyer.comBook a Free Clarity CallBook Christina For Your Next Workshop

In this episode, Ray Cochrane records from the Michigan studio on the one year anniversary of losing the show’s original host, Todd Cochrane. The featured story is Anthropic’s $5 million grant program, which pays outside researchers to measure whether AI is actually good for the people using it. Ray also covers Anthropic’s Enterprise Frontier Safeguards, Google’s Fairwind cyber defense program, Meta’s organizational second brain, sixteen green AI projects across Asia-Pacific, an Oklahoma Bitcoin mine condemned after leaking 3.8 million gallons of water, BepiColombo closing in on Mercury, and the 2026 Ig Nobel Prizes. – Want to start a podcast? Its easy to get started! Sign-up at Blubrry – Thinking of buying a Starlink? Use my link to support the show. Subscribe to the Newsletter. Email Ray if you want to get in touch! Like and Follow Geek News Central’s Facebook Page. Support my Show Sponsor: Best Godaddy Promo Codes Get 1Password Full Summary Cochrane opens from the studio in Michigan, recording on the one year anniversary of the show losing its original host, Todd Cochrane, his father. The family has gathered for the occasion. He also plans to record several episodes throughout the week as a commemorative run, so listeners should expect a heavier release schedule than usual. He also shares where things stand. He and Delaney have gone back and forth on relocating to Michigan, but the family is pushing, and the plan is firming up for the coming month or so. Part of the draw is getting his dad’s studio cleaned up and running the way it used to. Finally, he passes along an update on the Zuvers, a story long-time listeners will recognize. The father of the three children is due out of jail soon, though he now faces retrial for the murder of the three boys. Cochrane notes that the original prison term related to their return rather than the murders themselves. The family’s expectation, he says, is that this time the sentence will be permanent. Anthropic Puts $5 Million Behind Measuring AI’s Effect on You The featured story asks a question the industry has mostly avoided. Not whether a model is smart, but whether you are better off after using it. Anthropic is funding independent research to find out, and the structure is the interesting part. The money creates what the field calls evaluations: standardized tests for AI models. Hundreds already exist for coding, math, and reasoning. However, almost none measure whether the tool is good for the human on the other end. Crucially, Anthropic is not building these tests in-house. Grantees receive funding, model access and technical support, then work fully independently. Everything they produce must be published open source, so any developer at any company can run it. As Cochrane puts it, Anthropic is paying to create a ruler other people will use to measure Anthropic. The example Anthropic leads with is deliberately uncomfortable. Claude might offer diet and workout advice to someone asking about weight loss. But if that user has a history of disordered eating, the same response becomes actively harmful. Cochrane connects this to sycophancy, a topic the show has returned to before, and notes that models carry no real memory of who you are unless you tell them. That is exactly why the problem has gone unmeasured. Code compiles or it doesn’t. Math checks out or it doesn’t. Wellbeing has no answer key, because the identical response can help one person and harm the next. The Five Things Anthropic Wants These Tests to Do Cochrane walks through all five criteria, since each targets a specific way this research usually fails. First, state plainly what you are measuring. It is easy to measure something adjacent, such as how often a model uses warm language, then publish numbers about a proxy while claiming insight into loneliness itself. Second, involve clinicians and subject-matter experts in designing and validating the tests. A capable engineer may simply not know what the warning signs of an eating disorder look like in text. Without those people in the room, the test measures what engineers imagine the harm looks like. Third, count overcompliance and overrefusal as harms. Overcompliance is the obvious failure. Overrefusal is the model becoming so cautious it turns useless, or shutting down someone who had nowhere else to ask. Cochrane adds that overrefusal is far harder to spot, because you often cannot tell it is degrading until it has degraded. Fourth, reflect real multi-turn usage. Most safety testing throws one nasty question at a model and checks for refusal. Meanwhile, actual harm builds across a long conversation where every individual message reads as fine. Fifth, validate the automated graders against real experts. Scoring thousands of conversations means an AI grades the AI. Consequently, a subtly wrong grader skews every downstream number in the same direction, and nothing in the process flags it. Cochrane expects this to be the hardest criterion to satisfy, since psychiatric and medical specialists do not come cheap by the hour. Applications close September 21st, and shortlisted applicants will be notified by October 5th. Notably, the announcement names no individual researcher or executive. Sponsor: GoDaddy Economy hosting $6.99/month, WordPress hosting $12.99/month, domains $11.99. Website builder trial available. Use codes at geeknewscentral.com/godaddy to support the show. Anthropic’s Enterprise Frontier Safeguards Keep Your Logs in Your Vault Anthropic’s second announcement targets a completely different audience. Catching misuse across many sessions requires keeping logs. However, banks and hospitals cannot hand that data to an outside vendor, because regulators will not allow it. Safety monitoring and compliance were in direct conflict. The fix moves where the data lives. Activity logs go into the customer’s own cloud bucket at Amazon, Microsoft or Google, locked with keys the customer controls. Automated systems scan a rolling window for serious abuse such as credential theft, and alerts route straight to the customer’s own security team. No human at Anthropic reads it, and Anthropic does not charge for the feature. The backstory explains the urgency. Anthropic had begun retaining thirty days of data with its Fable 5 model, specifically to catch patterns that only appear across multiple sessions. Regulated customers had to walk away immediately. Over a hundred organizations helped shape the result, including a quarter of the Fortune 100 and every US globally systemically important bank. It works across Claude Code, Claude Enterprise, Amazon Bedrock, and Microsoft Foundry. Wells Fargo’s security team put it simply, saying their logs stay in a Wells-managed environment under Wells-managed keys. Cochrane adds a personal note on the same retention change. Because transcripts now persist thirty days after last touch, he can keep Claude Code threads open far longer and lean on clear without losing context. Google’s Fairwind Program Hands Patching to the Machines Google is running the same play from the defensive side. Normally, a human engineer must reproduce a security flaw, understand it, write a fix, then prove the fix broke nothing else. That can stretch to weeks, and attackers live in exactly that gap. Fairwind pairs two systems to close it. Gemini 3.8 Flash Cyber is a model tuned for security work. CodeMender hunts for flaws and writes the patches. Together, Google says they produce verified, deployment-ready patches in minutes, running inside the customer’s own environment. Access is deliberately restricted to three groups: national cyber authorities; critical infrastructure operators in healthcare, telecom, energy, and finance; and major technology platform providers. More than 650 partners are involved. Cochrane’s take centers on logging quality. Systems that emit specific, unique errors rather than generic ones let these tools find real issues almost immediately. Furthermore, he sees value in purpose-tuned models over general ones, since different training data and methodology surface gaps a single familiar model would miss. Meta Built an AI That Learns From Its Own Experts Every organization has two or three people who actually understand the hard systems. When they are busy, everyone waits. When they leave, the knowledge leaves too. Most AI assistants address this with retrieval, searching documents when you ask. Meta went the other way. A long-running offline process digests the source material ahead of time into more than 200 structured knowledge files, so the thinking happens before anyone asks. On top sit what Meta calls recipes, step-by-step procedures mirroring how a specialist actually works a problem. The reported numbers are concrete. Restructuring cut tokens consumed per turn by 80 percent. Assessments that took days now take minutes. The team built the whole system in six weeks across three sprints. Cochrane focuses on the feedback loop. Normally, an expert corrects an assistant in chat; the answer improves once, then the system forgets. Meta’s version compiles corrections into knowledge files and regression-tests them, so fixes stick without retraining the model. However, he raises two real caveats from his own attempts. Building those knowledge files is token-heavy, and codebases change. If the offline process does not rerun, the documentation drifts away from the code it describes. He also predicts this will become a service offered by AWS, GitHub, or GitLab rather than something each company builds alone. Sixteen Green AI Projects Across Asia-Pacific Google DeepMind named the first cohort of its Accelerator: AI for the Planet program. Sixteen organizations span New Zealand, Singapore, South Korea, Indonesia, Thailand, India, Australia and Japan, receiving three months of access to Google’s AI stack plus mentorship and a Singapore bootcamp. Several stand out. A New Zealand outfit called 800 Trust uses bioacoustics, monitoring an ecosystem by listening to it and running AI over continuous audio to track biodiversity. Wildlife.ai builds open-source AI camera traps. Australia’s X-Centric replaced the soil lab with a handheld X-ray reader that answers a farmer standing in the field. In India, Climitra Carbon verifies invasive species removal and converts the biomass into biochar. Access matters more than money, as Cochrane points out. A six-person conservation nonprofit cannot run frontier models, because the compute bill alone would consume its operating budget. The organizations closest to these problems have always been furthest from the tooling. An Oklahoma Bitcoin Mine Condemned After Leaking 3.8 Million Gallons Cochrane corrects the figure up front. Many outlets report three million gallons, but El Reno city officials put it at 3.8 million. A Bitcoin mining operation on West Jensen Road leaked water and dropped pressure badly enough to close El Reno Public Schools, the Canadian County Courthouse, and other city and county offices. It happened during a month with 24 days above 100 degrees, in a region under severe to extreme drought. The leak is not the damning part. The city issued a stop-work order on the site back in 2023 for electrical, construction, and fire safety violations, then never followed up. The facility ran roughly three years under an order nobody enforced. Interim city manager Ken Brown did not dodge it, saying simply, “We failed.” The site is now posted as condemned with a ten-day removal notice, and a hearing with operator Athlon BT is set for September 14th. Reaching the company has proven difficult, with a website stuck on a maintenance notice and an unanswered California phone number. Cochrane draws one distinction that the coverage keeps blurring. This is a Bitcoin mining rig, not a hyperscale AI data center. The residents who lost pressure absorbed the cost, and nobody billed the operator for the aquifer. BepiColombo Closes In on Mercury After Eight Years Reaching the closest planet to the Sun took nearly eight years, which sounds backward until you understand the physics. Falling toward the Sun means gaining enormous speed, and a spacecraft arriving too fast simply sails past. So the mission spent those years shedding velocity across nine gravity-assist flybys: one at Earth, two at Venus, and six at Mercury itself. On September 3rd, the transfer module separated and was discarded more than 200 million kilometers from Earth. Mission control marked the moment with “Roll call completed, GO for separation.” Importantly, the spacecraft has not arrived yet. Orbit insertion is November 21st, the two science orbiters separate around December 9th and 10th, and science operations begin in April 2027. That November date is revised, having slipped from an earlier plan. Two orbiters fly because they do different jobs. Europe’s Mercury Planetary Orbiter studies the planet and what lies beneath its surface. Japan’s Mio studies the magnetosphere. Mercury having a magnetic field at all is genuinely odd, since a planet that small should have cooled and lost it long ago. The mission honors Giuseppe “Bepi” Colombo, the Italian mathematician who worked out how to slingshot a spacecraft to Mercury in the first place. NASA Builds a Rocket Engine Talk You Can Hear NASA hosts a webinar on Friday, October 2nd at 2 pm Eastern, titled “The RS-25 Engine and the Future of Artemis Missions.” It runs about two hours, is open to anyone, and RSVPs close September 25th. The RS-25 is not new hardware. It is the Space Shuttle main engine, the same design that flew 135 shuttle missions across three decades, now bolted four at a time into the SLS core stage. Together they produce roughly 2.2 million pounds of thrust at 111 percent of their original shuttle rating. Throwing them away is the strange part. These are precision engines built to fly repeatedly, yet Artemis expends four on every launch. NASA got a proven engine and skipped a decade of development, and that is the trade. The accessibility work is the real story. The event includes an audio-described video of an engine test firing, a live Q&A with an Artemis engineer, and a panel on accessibility in space and science. A test firing normally sells entirely on spectacle. Conveying that, and the engineering underneath it, without the visuals is a genuine design problem NASA built the whole event around solving. Buried Underwear Wins a 2026 Ig Nobel The 2026 Ig Nobel Prizes were awarded September 3rd in Zurich. Marc Abrahams launched them in 1991 at the satirical magazine Annals of Improbable Research, and what began as a roast is now something researchers actively want. The soil science prize went to a team that buried 1,000 pairs of underwear across more than 25 countries and dug them up two months later. Measuring how much cotton rotted turns out to be a cheap, surprisingly good proxy for how biologically alive the soil is. The biomechanics prize recognized a precise, cross-species definition of kissing that works for animals and excludes passing food. By that definition, polar bears kiss, some birds kiss, and so do ants. Nature reports the behavior traces back roughly 21.5 million years to the ancestor of all large apes, meaning ancient humans very likely kissed Neanderthals. Cochrane’s favorite was the physics prize, awarded for a splash-free urinal design that reportedly cuts spray to 1.4 percent of normal. Cochrane closes by pointing listeners to the GNC Insider program, the newsletter, and podcastapps.com for a modern podcast app. Feedback on the show’s format is explicitly welcome at geeknews@gmail.com, where either Ray or Chris will read it. The post Anthropic’s $5 Million Push to Measure AI’s Effect on Wellbeing #1876 appeared first on Geek News Central.

Welcome to Behind the Win, where we go beyond business headlines to explore the people, ideas, and relationships driving success. Today, we're joined by Chris Falk, Executive Vice President at Newmark Mountain West Commercial Real Estate. Chris is one of Utah's most accomplished commercial real estate professionals, having completed more than eight hundred transactions totaling over one billion dollars in value. Chris has represented organizations including Boeing, Intermountain Health, JPMorgan Chase, Pluralsight, US Air Force, Weber State, and Wells Fargo. Today, we'll discuss where Utah's commercial real estate market is headed, how real estate decisions shape business success, and why relationships remain the foundation of a lasting career.

What if resilience isn't about holding on more tightly, but learning what to release?In the first episode of the fall season of the Sacred Changemakers Podcast, I'm joined by Jay Abbasi, global keynote and TEDx speaker, coach, former Tesla leader, and founder of The Conscious Professional. Jay's work challenges many of the assumptions we hold about stress and resilience. Rather than seeing stress simply as something to reduce or escape, he invites us to understand it as information, a signal that can help us respond to life with greater clarity, awareness, and choice.Together, we explore what people often get wrong about resilience, how Jay's own experience of sudden loss reshaped his relationship with uncertainty, and why letting go of our attachment to outcomes can become a powerful form of inner strength. We also talk about the difference between useful pressure and unsustainable stress, the role of mindfulness in building resilience, and why joy should not be something we postpone until we finally arrive at some future version of success.This is a grounded and practical conversation for anyone navigating pressure, change, or uncertainty and especially for coaches, leaders, and changemakers who want to meet demanding times without losing themselves or the present moment along the way.Key TakeawaysWhy resilience is not the same as pushing through or becoming tougherHow stress can become useful information rather than simply something to eliminateWhat it means to let go of control without giving up on what mattersWhy joy, presence, and purpose can strengthen our capacity to lead through uncertaintyLearn More About Today's GuestJay's website ****→ https://jayabbasi.me/Jay on LinkedIn → https://www.linkedin.com/in/jayabbasi/Jay on YouTube → https://www.youtube.com/@jayabbasipodcastAbout Jay AbbasiJay Abbasi is a global keynote speaker, TEDx speaker, coach, and former Tesla leader who helps professionals thrive under pressure without burning out. At Tesla, he led national training programs for more than 1,000 employees and has since coached leaders at Google, Amazon, TikTok, Wells Fargo, and many more. Blending corporate experience with expertise in mindfulness, resilience, and wellbeing, Jay helps people build the inner capacity to navigate challenge with greater clarity, energy, and purpose.About the HostJayne Warrilow is the founder of Sacred Changemakers, a global community and learning space exploring the intersection of human resonance, regenerative change, and conscious leadership.Learn more at sacredchangemakers.com

Perplexity CEO Aravind Srinivas joins to discuss the company's AI offerings, a new partnership with Nvidia and potential IPO plans. Then, Richmond Fed President Jeffrey Lacker shares his reaction to this morning's jobs number and what it means for the upcoming Fed meeting. Plus, Wells Fargo analyst Ike Boruchow joins to break down Lululemon's latest quarter that has shares plunging today.Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Tiffany Bussey Director of the Morehouse Innovation and Entrepreneurship Center (MIEC) at Morehouse College. The conversation focuses on entrepreneurship, wealth creation, supplier diversity, workforce development, and emerging opportunities in sustainability-related industries. Dr. Bussey explains how Morehouse helps Black and Brown businesses scale through access to capital, contracts, strategic relationships, and business development programs. The discussion also highlights partnerships with organizations such as Goodwill, JPMorgan Chase, and Wells Fargo that help create pathways to employment, business growth, and economic mobility. Purpose of the Interview The interview was designed to: Educate entrepreneurs about resources available through the Morehouse Innovation and Entrepreneurship Center. Challenge stereotypes about Black-owned businesses and workforce readiness. Highlight business opportunities in sustainability, renewable energy, EV infrastructure, green construction, and agriculture. Demonstrate the importance of access to contracts and relationships, not just capital. Encourage business ownership as a pathway to wealth creation and closing the racial wealth gap. Key Takeaways 1. Entrepreneurship Can Help Close the Wealth Gap Dr. Bussey emphasizes that entrepreneurship and small business development are powerful tools for creating wealth and addressing racial income inequality. 2. Access to Opportunities Is as Important as Access to Capital While funding is often discussed as the largest obstacle for minority entrepreneurs, access to contracts, customers, and decision-makers is equally important for growth. 3. Morehouse Has a Proven Record of Impact Over the past 20 years, the Morehouse Innovation and Entrepreneurship Center has: Supported more than 400 businesses. Helped create over 850 jobs. Facilitated more than $34 million in new capital access. Helped businesses generate more than $82 million in new revenue. 4. Sustainability Is a Major Economic Opportunity Dr. Bussey encourages entrepreneurs to explore high-growth sectors such as: Renewable energy Electric vehicle infrastructure Green building and construction Sustainable agriculture Environmental technology and services She describes sustainability as one of the most significant emerging economic sectors globally. 5. Workforce Development Matters Businesses often struggle not only with financing but also with finding qualified workers. Partnerships with organizations like Goodwill help create a trained workforce pipeline to meet employer demand. 6. Goodwill Offers Career Training One of the most surprising insights from the interview is that Goodwill provides workforce training, certifications, and in some cases stipends for participants seeking new job skills and career pathways. 7. Entrepreneurship Is Not Easy Dr. Bussey cautions listeners against romanticizing entrepreneurship. While ownership can be rewarding, running a business requires long hours, resilience, and a willingness to embrace risk and failure. 8. The Three Cs of Business Growth The foundation of Morehouse's Small Business Executive Program is: Capital Connections Contracts Dr. Bussey argues that sustainable growth requires all three. 9. Relationships Drive Revenue Business success depends on building genuine relationships and understanding customer needs. Companies win contracts when they present solutions to customer problems rather than simply selling products or services. 10. Minority Entrepreneurs Should Pursue Future-Focused Industries Rather than focusing only on traditional business models, entrepreneurs should position themselves in growing industries where demand and opportunities are expanding rapidly. Notable Quotes On Economic Empowerment "We believe that entrepreneurship and small businesses are one of the pathways in closing the racial income inequality gap in this country." On Business Growth "At the end of the day, it's revenue that drives and scales businesses." On Opportunity "What we don't talk about quite as much is access to opportunities." On Program Design "This is not just technical assistance for technical assistance sake. This is not about butts in seats." On Sustainability "We know that global warming is a thing and it does exist, and that there is a huge industry that is being developed." On Entrepreneurship "Entrepreneurship is in our DNA." On Failure "We have to accept that failure is part of the process." On Ownership "Ownership is what we need." On the Three Cs "Capital, connections and contracts." On Selling "People don't buy products and services. They buy solutions." On Customer Value "If you approach a customer and say, this is how I can help you solve your problem, more than likely you will get that business." Bottom Line Dr. Tiffany Bussey's message is clear: business success requires more than funding. It requires access, relationships, contracts, workforce talent, and the willingness to pursue emerging opportunities. Through the work of the Morehouse Innovation and Entrepreneurship Center, she is helping entrepreneurs build scalable businesses, create jobs, and generate wealth within underserved communities. The interview serves as both a roadmap and a call to action for aspiring business owners to pursue ownership, innovation, and long-term economic growth. #STRAW #SHMS #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Tiffany Bussey Director of the Morehouse Innovation and Entrepreneurship Center (MIEC) at Morehouse College. The conversation focuses on entrepreneurship, wealth creation, supplier diversity, workforce development, and emerging opportunities in sustainability-related industries. Dr. Bussey explains how Morehouse helps Black and Brown businesses scale through access to capital, contracts, strategic relationships, and business development programs. The discussion also highlights partnerships with organizations such as Goodwill, JPMorgan Chase, and Wells Fargo that help create pathways to employment, business growth, and economic mobility. Purpose of the Interview The interview was designed to: Educate entrepreneurs about resources available through the Morehouse Innovation and Entrepreneurship Center. Challenge stereotypes about Black-owned businesses and workforce readiness. Highlight business opportunities in sustainability, renewable energy, EV infrastructure, green construction, and agriculture. Demonstrate the importance of access to contracts and relationships, not just capital. Encourage business ownership as a pathway to wealth creation and closing the racial wealth gap. Key Takeaways 1. Entrepreneurship Can Help Close the Wealth Gap Dr. Bussey emphasizes that entrepreneurship and small business development are powerful tools for creating wealth and addressing racial income inequality. 2. Access to Opportunities Is as Important as Access to Capital While funding is often discussed as the largest obstacle for minority entrepreneurs, access to contracts, customers, and decision-makers is equally important for growth. 3. Morehouse Has a Proven Record of Impact Over the past 20 years, the Morehouse Innovation and Entrepreneurship Center has: Supported more than 400 businesses. Helped create over 850 jobs. Facilitated more than $34 million in new capital access. Helped businesses generate more than $82 million in new revenue. 4. Sustainability Is a Major Economic Opportunity Dr. Bussey encourages entrepreneurs to explore high-growth sectors such as: Renewable energy Electric vehicle infrastructure Green building and construction Sustainable agriculture Environmental technology and services She describes sustainability as one of the most significant emerging economic sectors globally. 5. Workforce Development Matters Businesses often struggle not only with financing but also with finding qualified workers. Partnerships with organizations like Goodwill help create a trained workforce pipeline to meet employer demand. 6. Goodwill Offers Career Training One of the most surprising insights from the interview is that Goodwill provides workforce training, certifications, and in some cases stipends for participants seeking new job skills and career pathways. 7. Entrepreneurship Is Not Easy Dr. Bussey cautions listeners against romanticizing entrepreneurship. While ownership can be rewarding, running a business requires long hours, resilience, and a willingness to embrace risk and failure. 8. The Three Cs of Business Growth The foundation of Morehouse's Small Business Executive Program is: Capital Connections Contracts Dr. Bussey argues that sustainable growth requires all three. 9. Relationships Drive Revenue Business success depends on building genuine relationships and understanding customer needs. Companies win contracts when they present solutions to customer problems rather than simply selling products or services. 10. Minority Entrepreneurs Should Pursue Future-Focused Industries Rather than focusing only on traditional business models, entrepreneurs should position themselves in growing industries where demand and opportunities are expanding rapidly. Notable Quotes On Economic Empowerment "We believe that entrepreneurship and small businesses are one of the pathways in closing the racial income inequality gap in this country." On Business Growth "At the end of the day, it's revenue that drives and scales businesses." On Opportunity "What we don't talk about quite as much is access to opportunities." On Program Design "This is not just technical assistance for technical assistance sake. This is not about butts in seats." On Sustainability "We know that global warming is a thing and it does exist, and that there is a huge industry that is being developed." On Entrepreneurship "Entrepreneurship is in our DNA." On Failure "We have to accept that failure is part of the process." On Ownership "Ownership is what we need." On the Three Cs "Capital, connections and contracts." On Selling "People don't buy products and services. They buy solutions." On Customer Value "If you approach a customer and say, this is how I can help you solve your problem, more than likely you will get that business." Bottom Line Dr. Tiffany Bussey's message is clear: business success requires more than funding. It requires access, relationships, contracts, workforce talent, and the willingness to pursue emerging opportunities. Through the work of the Morehouse Innovation and Entrepreneurship Center, she is helping entrepreneurs build scalable businesses, create jobs, and generate wealth within underserved communities. The interview serves as both a roadmap and a call to action for aspiring business owners to pursue ownership, innovation, and long-term economic growth. #STRAW #SHMS #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Tiffany Bussey Director of the Morehouse Innovation and Entrepreneurship Center (MIEC) at Morehouse College. The conversation focuses on entrepreneurship, wealth creation, supplier diversity, workforce development, and emerging opportunities in sustainability-related industries. Dr. Bussey explains how Morehouse helps Black and Brown businesses scale through access to capital, contracts, strategic relationships, and business development programs. The discussion also highlights partnerships with organizations such as Goodwill, JPMorgan Chase, and Wells Fargo that help create pathways to employment, business growth, and economic mobility. Purpose of the Interview The interview was designed to: Educate entrepreneurs about resources available through the Morehouse Innovation and Entrepreneurship Center. Challenge stereotypes about Black-owned businesses and workforce readiness. Highlight business opportunities in sustainability, renewable energy, EV infrastructure, green construction, and agriculture. Demonstrate the importance of access to contracts and relationships, not just capital. Encourage business ownership as a pathway to wealth creation and closing the racial wealth gap. Key Takeaways 1. Entrepreneurship Can Help Close the Wealth Gap Dr. Bussey emphasizes that entrepreneurship and small business development are powerful tools for creating wealth and addressing racial income inequality. 2. Access to Opportunities Is as Important as Access to Capital While funding is often discussed as the largest obstacle for minority entrepreneurs, access to contracts, customers, and decision-makers is equally important for growth. 3. Morehouse Has a Proven Record of Impact Over the past 20 years, the Morehouse Innovation and Entrepreneurship Center has: Supported more than 400 businesses. Helped create over 850 jobs. Facilitated more than $34 million in new capital access. Helped businesses generate more than $82 million in new revenue. 4. Sustainability Is a Major Economic Opportunity Dr. Bussey encourages entrepreneurs to explore high-growth sectors such as: Renewable energy Electric vehicle infrastructure Green building and construction Sustainable agriculture Environmental technology and services She describes sustainability as one of the most significant emerging economic sectors globally. 5. Workforce Development Matters Businesses often struggle not only with financing but also with finding qualified workers. Partnerships with organizations like Goodwill help create a trained workforce pipeline to meet employer demand. 6. Goodwill Offers Career Training One of the most surprising insights from the interview is that Goodwill provides workforce training, certifications, and in some cases stipends for participants seeking new job skills and career pathways. 7. Entrepreneurship Is Not Easy Dr. Bussey cautions listeners against romanticizing entrepreneurship. While ownership can be rewarding, running a business requires long hours, resilience, and a willingness to embrace risk and failure. 8. The Three Cs of Business Growth The foundation of Morehouse's Small Business Executive Program is: Capital Connections Contracts Dr. Bussey argues that sustainable growth requires all three. 9. Relationships Drive Revenue Business success depends on building genuine relationships and understanding customer needs. Companies win contracts when they present solutions to customer problems rather than simply selling products or services. 10. Minority Entrepreneurs Should Pursue Future-Focused Industries Rather than focusing only on traditional business models, entrepreneurs should position themselves in growing industries where demand and opportunities are expanding rapidly. Notable Quotes On Economic Empowerment "We believe that entrepreneurship and small businesses are one of the pathways in closing the racial income inequality gap in this country." On Business Growth "At the end of the day, it's revenue that drives and scales businesses." On Opportunity "What we don't talk about quite as much is access to opportunities." On Program Design "This is not just technical assistance for technical assistance sake. This is not about butts in seats." On Sustainability "We know that global warming is a thing and it does exist, and that there is a huge industry that is being developed." On Entrepreneurship "Entrepreneurship is in our DNA." On Failure "We have to accept that failure is part of the process." On Ownership "Ownership is what we need." On the Three Cs "Capital, connections and contracts." On Selling "People don't buy products and services. They buy solutions." On Customer Value "If you approach a customer and say, this is how I can help you solve your problem, more than likely you will get that business." Bottom Line Dr. Tiffany Bussey's message is clear: business success requires more than funding. It requires access, relationships, contracts, workforce talent, and the willingness to pursue emerging opportunities. Through the work of the Morehouse Innovation and Entrepreneurship Center, she is helping entrepreneurs build scalable businesses, create jobs, and generate wealth within underserved communities. The interview serves as both a roadmap and a call to action for aspiring business owners to pursue ownership, innovation, and long-term economic growth. #STRAW #SHMS #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Steve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Originally broadcast Friday, September 2, 2022Hour 1 -The Whisperer starring Carleton Young, originally broadcast September 2, 1951, 71 years ago, Stanley Hayes.   "The Syndicate" orders Stanley Hayes to be killed.Hour 2 - Fort Laramie starring Raymond Burr, originally broadcast September 2, 1956, The Return of Hattie Pelfrey.    Hattie Pelfrey, a most unusual old lady, is feeling poorly, so she visits Fort Laramie to visit her son...Captain Quince! Also, Claudia, originally broadcast September 2, 1948, Claudia's Furniture gets a Part!Hour 3 - Gunsmoke starring William Conrad, originally broadcast September 2, 1956, Old Pal.  A month after Jim Rankin was murdered and the Wells Fargo money stolen, Jim's old girlfriend Lily is leaving town. She's paid for her ticket with two of the banknotes stolen during the robbery. A short time later, Lily disappears!  Also, Yours Truly Johnny Dollar starring Mandel Kramer, originally broadcast September 2, 1962, The Doninger Doninger Matter.  Johnny uses an atlas to find the missing beneficiary.

Democracy is in the dumps. OK, that's a bit dramatic. But it's definitely not working as well as it used to. Good thing Daron Acemoglu — Nobel laureate, MIT Institute Professor, and one of the world's most-cited economists — has a plan to fix it. Today on the show, he explains why liberal democracy has faltered in the post-industrial age and makes the case for upgrading it to a new "working-class liberalism" built around good jobs, strong communities, and greater tolerance. We also discuss what today's populist movements get right and wrong, and why immigration has become such a powerful political fault line. Plus: Why Daron, once skeptical that AI would amount to much economically, now thinks a transformation larger than the Industrial Revolution is on the table. His new book is What Happened to Liberal Democracy? Remaking a Politics of Shared Prosperity. __________

Robert Leshner joins us to unpack his vision of the tokenization supercycle with the explosion of stablecoins as the core undercurrent. He breaks down why over a dozen major banks including Bank of America, Wells Fargo, and Santander, just announced plans to launch their own stablecoins, and explains why he left Compound to build Superstate, a compliant, tokenized approach to money market funds and real-world assets. He also makes the case that tokenization's addressable market isn't just 100% of finance, plus much more.Every asset is coming onchain.Robert Leshner is the Co-Founder and CEO of Superstate, and the founder of Compound, one of DeFi's original lending protocols.The Rollup is where the leaders of digital assets and finance converge. Live from the financial capital of the world.Timestamps:00:00 Intro04:02 Banks Rushing Into Stablecoins?07:20 A Hundred Approaches To Tokenization12:25 Compliant Tokens That Do DeFi Well16:56 From Wild West DeFi To Compliance23:39 Why He Left Compound To Start Superstate26:21 100% Market Share, Then Some For Tokenized AssetsGuest Socials:Robert Leshner X: https://x.com/rleshnerSuperstate X: https://x.com/superstateincSuperstate Website: https://superstate.com/Partners: If you run concentrated liquidity positions you know the grind. Price moves, you're out of range, you're rebalancing at, like, 3am. 1inch Aqua lets you take a different approach. You can stack multiple positions on the same token balance instead of babysitting a dozen pools, and your tokens never leave your wallet. Your liquidity stays awake, so you can catch up on your sleep. Check it out at https://1inch.com/aqua---Dinari - Over 230 1:1 backed tokenized stocks, ETFs & more with dividends. US-based SEC transfer agent. Available on 5+ chains & via API. https://dinari.com/---Space and Time is providing verifiable data infrastructure for onchain finance. A decentralized database, blockchain indexer, and ZK coprocessor in one, giving DeFi protocols,stablecoins, and tokenized assets accurate, provable data. ---Relay is the fastest and most reliable way to swap any token on any chain. Learn more here: https://relay.link/bridge---Zama is an open source cryptography company that builds state-of-the-art Fully Homomorphic Encryption (FHE) solutions for blockchain.Learn more here: https://www.zama.org/---

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Tiffany Bussey Director of the Morehouse Innovation and Entrepreneurship Center (MIEC) at Morehouse College. The conversation focuses on entrepreneurship, wealth creation, supplier diversity, workforce development, and emerging opportunities in sustainability-related industries. Dr. Bussey explains how Morehouse helps Black and Brown businesses scale through access to capital, contracts, strategic relationships, and business development programs. The discussion also highlights partnerships with organizations such as Goodwill, JPMorgan Chase, and Wells Fargo that help create pathways to employment, business growth, and economic mobility. Purpose of the Interview The interview was designed to: Educate entrepreneurs about resources available through the Morehouse Innovation and Entrepreneurship Center. Challenge stereotypes about Black-owned businesses and workforce readiness. Highlight business opportunities in sustainability, renewable energy, EV infrastructure, green construction, and agriculture. Demonstrate the importance of access to contracts and relationships, not just capital. Encourage business ownership as a pathway to wealth creation and closing the racial wealth gap. Key Takeaways 1. Entrepreneurship Can Help Close the Wealth Gap Dr. Bussey emphasizes that entrepreneurship and small business development are powerful tools for creating wealth and addressing racial income inequality. 2. Access to Opportunities Is as Important as Access to Capital While funding is often discussed as the largest obstacle for minority entrepreneurs, access to contracts, customers, and decision-makers is equally important for growth. 3. Morehouse Has a Proven Record of Impact Over the past 20 years, the Morehouse Innovation and Entrepreneurship Center has: Supported more than 400 businesses. Helped create over 850 jobs. Facilitated more than $34 million in new capital access. Helped businesses generate more than $82 million in new revenue. 4. Sustainability Is a Major Economic Opportunity Dr. Bussey encourages entrepreneurs to explore high-growth sectors such as: Renewable energy Electric vehicle infrastructure Green building and construction Sustainable agriculture Environmental technology and services She describes sustainability as one of the most significant emerging economic sectors globally. 5. Workforce Development Matters Businesses often struggle not only with financing but also with finding qualified workers. Partnerships with organizations like Goodwill help create a trained workforce pipeline to meet employer demand. 6. Goodwill Offers Career Training One of the most surprising insights from the interview is that Goodwill provides workforce training, certifications, and in some cases stipends for participants seeking new job skills and career pathways. 7. Entrepreneurship Is Not Easy Dr. Bussey cautions listeners against romanticizing entrepreneurship. While ownership can be rewarding, running a business requires long hours, resilience, and a willingness to embrace risk and failure. 8. The Three Cs of Business Growth The foundation of Morehouse's Small Business Executive Program is: Capital Connections Contracts Dr. Bussey argues that sustainable growth requires all three. 9. Relationships Drive Revenue Business success depends on building genuine relationships and understanding customer needs. Companies win contracts when they present solutions to customer problems rather than simply selling products or services. 10. Minority Entrepreneurs Should Pursue Future-Focused Industries Rather than focusing only on traditional business models, entrepreneurs should position themselves in growing industries where demand and opportunities are expanding rapidly. Notable Quotes On Economic Empowerment "We believe that entrepreneurship and small businesses are one of the pathways in closing the racial income inequality gap in this country." On Business Growth "At the end of the day, it's revenue that drives and scales businesses." On Opportunity "What we don't talk about quite as much is access to opportunities." On Program Design "This is not just technical assistance for technical assistance sake. This is not about butts in seats." On Sustainability "We know that global warming is a thing and it does exist, and that there is a huge industry that is being developed." On Entrepreneurship "Entrepreneurship is in our DNA." On Failure "We have to accept that failure is part of the process." On Ownership "Ownership is what we need." On the Three Cs "Capital, connections and contracts." On Selling "People don't buy products and services. They buy solutions." On Customer Value "If you approach a customer and say, this is how I can help you solve your problem, more than likely you will get that business." Bottom Line Dr. Tiffany Bussey's message is clear: business success requires more than funding. It requires access, relationships, contracts, workforce talent, and the willingness to pursue emerging opportunities. Through the work of the Morehouse Innovation and Entrepreneurship Center, she is helping entrepreneurs build scalable businesses, create jobs, and generate wealth within underserved communities. The interview serves as both a roadmap and a call to action for aspiring business owners to pursue ownership, innovation, and long-term economic growth. #STRAW #SHMS #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Tiffany Bussey Director of the Morehouse Innovation and Entrepreneurship Center (MIEC) at Morehouse College. The conversation focuses on entrepreneurship, wealth creation, supplier diversity, workforce development, and emerging opportunities in sustainability-related industries. Dr. Bussey explains how Morehouse helps Black and Brown businesses scale through access to capital, contracts, strategic relationships, and business development programs. The discussion also highlights partnerships with organizations such as Goodwill, JPMorgan Chase, and Wells Fargo that help create pathways to employment, business growth, and economic mobility. Purpose of the Interview The interview was designed to: Educate entrepreneurs about resources available through the Morehouse Innovation and Entrepreneurship Center. Challenge stereotypes about Black-owned businesses and workforce readiness. Highlight business opportunities in sustainability, renewable energy, EV infrastructure, green construction, and agriculture. Demonstrate the importance of access to contracts and relationships, not just capital. Encourage business ownership as a pathway to wealth creation and closing the racial wealth gap. Key Takeaways 1. Entrepreneurship Can Help Close the Wealth Gap Dr. Bussey emphasizes that entrepreneurship and small business development are powerful tools for creating wealth and addressing racial income inequality. 2. Access to Opportunities Is as Important as Access to Capital While funding is often discussed as the largest obstacle for minority entrepreneurs, access to contracts, customers, and decision-makers is equally important for growth. 3. Morehouse Has a Proven Record of Impact Over the past 20 years, the Morehouse Innovation and Entrepreneurship Center has: Supported more than 400 businesses. Helped create over 850 jobs. Facilitated more than $34 million in new capital access. Helped businesses generate more than $82 million in new revenue. 4. Sustainability Is a Major Economic Opportunity Dr. Bussey encourages entrepreneurs to explore high-growth sectors such as: Renewable energy Electric vehicle infrastructure Green building and construction Sustainable agriculture Environmental technology and services She describes sustainability as one of the most significant emerging economic sectors globally. 5. Workforce Development Matters Businesses often struggle not only with financing but also with finding qualified workers. Partnerships with organizations like Goodwill help create a trained workforce pipeline to meet employer demand. 6. Goodwill Offers Career Training One of the most surprising insights from the interview is that Goodwill provides workforce training, certifications, and in some cases stipends for participants seeking new job skills and career pathways. 7. Entrepreneurship Is Not Easy Dr. Bussey cautions listeners against romanticizing entrepreneurship. While ownership can be rewarding, running a business requires long hours, resilience, and a willingness to embrace risk and failure. 8. The Three Cs of Business Growth The foundation of Morehouse's Small Business Executive Program is: Capital Connections Contracts Dr. Bussey argues that sustainable growth requires all three. 9. Relationships Drive Revenue Business success depends on building genuine relationships and understanding customer needs. Companies win contracts when they present solutions to customer problems rather than simply selling products or services. 10. Minority Entrepreneurs Should Pursue Future-Focused Industries Rather than focusing only on traditional business models, entrepreneurs should position themselves in growing industries where demand and opportunities are expanding rapidly. Notable Quotes On Economic Empowerment "We believe that entrepreneurship and small businesses are one of the pathways in closing the racial income inequality gap in this country." On Business Growth "At the end of the day, it's revenue that drives and scales businesses." On Opportunity "What we don't talk about quite as much is access to opportunities." On Program Design "This is not just technical assistance for technical assistance sake. This is not about butts in seats." On Sustainability "We know that global warming is a thing and it does exist, and that there is a huge industry that is being developed." On Entrepreneurship "Entrepreneurship is in our DNA." On Failure "We have to accept that failure is part of the process." On Ownership "Ownership is what we need." On the Three Cs "Capital, connections and contracts." On Selling "People don't buy products and services. They buy solutions." On Customer Value "If you approach a customer and say, this is how I can help you solve your problem, more than likely you will get that business." Bottom Line Dr. Tiffany Bussey's message is clear: business success requires more than funding. It requires access, relationships, contracts, workforce talent, and the willingness to pursue emerging opportunities. Through the work of the Morehouse Innovation and Entrepreneurship Center, she is helping entrepreneurs build scalable businesses, create jobs, and generate wealth within underserved communities. The interview serves as both a roadmap and a call to action for aspiring business owners to pursue ownership, innovation, and long-term economic growth. #STRAW #SHMS #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast See omnystudio.com/listener for privacy information.

What if creativity isn't a talent you're born with, but a muscle you've simply stopped using? In Daily Creative, Blythe Harris and Mallory May make the case that everyone is creative — even the people convinced they can't draw, paint, write, or make anything “good.” The real problem is that perfectionism, routine, and our obsession with getting things right have trained many of us to stop experimenting altogether. In this conversation with Rufus, Blythe and Mallory reveal why even a few minutes of creative play can boost well-being, sharpen your thinking, and pull you out of autopilot. They share simple ways to quiet your inner critic, explain why constraints can actually make you more creative, and show how noticing what catches your eye can help you develop a point of view that's genuinely your own. And in an age of AI and automation, they argue that exercising your creativity may matter more than ever.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Tiffany Bussey Director of the Morehouse Innovation and Entrepreneurship Center (MIEC) at Morehouse College. The conversation focuses on entrepreneurship, wealth creation, supplier diversity, workforce development, and emerging opportunities in sustainability-related industries. Dr. Bussey explains how Morehouse helps Black and Brown businesses scale through access to capital, contracts, strategic relationships, and business development programs. The discussion also highlights partnerships with organizations such as Goodwill, JPMorgan Chase, and Wells Fargo that help create pathways to employment, business growth, and economic mobility. Purpose of the Interview The interview was designed to: Educate entrepreneurs about resources available through the Morehouse Innovation and Entrepreneurship Center. Challenge stereotypes about Black-owned businesses and workforce readiness. Highlight business opportunities in sustainability, renewable energy, EV infrastructure, green construction, and agriculture. Demonstrate the importance of access to contracts and relationships, not just capital. Encourage business ownership as a pathway to wealth creation and closing the racial wealth gap. Key Takeaways 1. Entrepreneurship Can Help Close the Wealth Gap Dr. Bussey emphasizes that entrepreneurship and small business development are powerful tools for creating wealth and addressing racial income inequality. 2. Access to Opportunities Is as Important as Access to Capital While funding is often discussed as the largest obstacle for minority entrepreneurs, access to contracts, customers, and decision-makers is equally important for growth. 3. Morehouse Has a Proven Record of Impact Over the past 20 years, the Morehouse Innovation and Entrepreneurship Center has: Supported more than 400 businesses. Helped create over 850 jobs. Facilitated more than $34 million in new capital access. Helped businesses generate more than $82 million in new revenue. 4. Sustainability Is a Major Economic Opportunity Dr. Bussey encourages entrepreneurs to explore high-growth sectors such as: Renewable energy Electric vehicle infrastructure Green building and construction Sustainable agriculture Environmental technology and services She describes sustainability as one of the most significant emerging economic sectors globally. 5. Workforce Development Matters Businesses often struggle not only with financing but also with finding qualified workers. Partnerships with organizations like Goodwill help create a trained workforce pipeline to meet employer demand. 6. Goodwill Offers Career Training One of the most surprising insights from the interview is that Goodwill provides workforce training, certifications, and in some cases stipends for participants seeking new job skills and career pathways. 7. Entrepreneurship Is Not Easy Dr. Bussey cautions listeners against romanticizing entrepreneurship. While ownership can be rewarding, running a business requires long hours, resilience, and a willingness to embrace risk and failure. 8. The Three Cs of Business Growth The foundation of Morehouse's Small Business Executive Program is: Capital Connections Contracts Dr. Bussey argues that sustainable growth requires all three. 9. Relationships Drive Revenue Business success depends on building genuine relationships and understanding customer needs. Companies win contracts when they present solutions to customer problems rather than simply selling products or services. 10. Minority Entrepreneurs Should Pursue Future-Focused Industries Rather than focusing only on traditional business models, entrepreneurs should position themselves in growing industries where demand and opportunities are expanding rapidly. Notable Quotes On Economic Empowerment "We believe that entrepreneurship and small businesses are one of the pathways in closing the racial income inequality gap in this country." On Business Growth "At the end of the day, it's revenue that drives and scales businesses." On Opportunity "What we don't talk about quite as much is access to opportunities." On Program Design "This is not just technical assistance for technical assistance sake. This is not about butts in seats." On Sustainability "We know that global warming is a thing and it does exist, and that there is a huge industry that is being developed." On Entrepreneurship "Entrepreneurship is in our DNA." On Failure "We have to accept that failure is part of the process." On Ownership "Ownership is what we need." On the Three Cs "Capital, connections and contracts." On Selling "People don't buy products and services. They buy solutions." On Customer Value "If you approach a customer and say, this is how I can help you solve your problem, more than likely you will get that business." Bottom Line Dr. Tiffany Bussey's message is clear: business success requires more than funding. It requires access, relationships, contracts, workforce talent, and the willingness to pursue emerging opportunities. Through the work of the Morehouse Innovation and Entrepreneurship Center, she is helping entrepreneurs build scalable businesses, create jobs, and generate wealth within underserved communities. The interview serves as both a roadmap and a call to action for aspiring business owners to pursue ownership, innovation, and long-term economic growth. #STRAW #SHMS #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Steve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Crypto News: SEC resurrecting U.S. crypto custody rule the previous administration failed to land. Bank of America, Wells Fargo, Santander & over a dozen major banks move forward with plans to launch a crypto stablecoin. Ripple's RLUSD stablecoin crosses $2B in market cap, with $963M issued on the XRP Ledger and $1.1B on Ethereum.

CVS Health operates one of healthcare's largest consumer platforms, with businesses spanning health insurance, pharmacy benefits, retail pharmacy, care delivery and digital channels. This creates a rare opportunity to understand the full journey people navigate as they seek care, fill prescriptions, manage coverage and work to stay healthy. The company's overarching goal is not simply to improve each touchpoint. It is to remove the fragmentation that forces patients to piece care together on their own across multiple channels and organizations.In this episode of Healthcare is Hard, Keith Figlioli talked to CVS Health's head of enterprise customer experience, insights and innovation, Sri Narasimhan, to learn how the company uses customer signals, AI, and agentic twins to make healthcare more proactive and consumer-centered.Sri brings an unusually broad background to this challenge. He worked in Bangladesh and India on tuberculosis control, HIV initiatives and public health during college, but then decided to branch out so he could ultimately bring a more diverse skillset back to the healthcare industry. He started an economic consulting firm before going to business school. Then he joined GE, where he learned about commercial functions and consumer value. After GE, he worked at the tech company Medallia, where he sharpened skills around speed of innovation, and then moved to Wells Fargo where he worked as head of customer experience for branch banking, learning how to operate in a highly regulated environment.In 2021, Sri joined CVS Health where his work now sits at the intersection of consumer strategy and AI. During this interview, Sri shared his vast knowledge and experience to discuss topics including:Navigating bureaucracy. Sri points out that patients do not benchmark healthcare against other health plans, pharmacies or health systems. They compare it with the simple experiences they have everywhere else. He says most people want answers to four questions: Is it covered? What will it cost? When can I get it? And can I trust the answer? Healthcare's tendency to bury those questions in process and bureaucracy is a major source of frustration that Sri is focused on addressing.AI versus primary care. Trust grows when people get something valuable, and Sri expects consumers to increasingly turn to AI for quick answers about symptoms, diagnoses and side effects as those tools become more useful and accurate. But for serious health issues, he believes the provider relationship will remain essential. AI may change the questions patients bring to clinicians – and which interactions require a clinician at all – but people will still want a trusted human when the stakes are high.Agentic twins revolutionizing consumer research. Sri calls this technology one of the most transformational capabilities he has seen because it allows CVS Health to simulate the reactions of roughly 150,000 individual consumers in minutes. Through consented interviews, behavioral data and other context, CVS Health built digital twins of actual consumers that simulate how they think and act. Instead of recruiting a new panel, running a focus group or launching a small pilot every time the company wants to test an idea, CVS can assemble the relevant population from its bank of agentic twins and pressure-test messages, choices and scenarios before going live. As Sri puts it, “I have 150,000 patients in the room with us."To hear Sri and Keith discuss these topics and more, listen to this episode of Healthcare is Hard: A Podcast for Insiders.

In this episode, Tiff and Nikki talk about a critical piece under the marketing umbrella: networking with people in your community across different "genres" of expertise. They discuss knowing your demographic, building a two-way street of referrals, leaning on your hobbies, and a ton more ways to get your business out there and being talked about. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Tiffanie (00:01) Hello, Dental A Team listeners. We are excited to be here. I say it every single time and we truly, truly mean it. I think you guys believe me and know that by now Nikki is here with me today. Nikki, thank you so much for being here. this is our podcasting morning and we block out the a morning, we do a couple hours and make sure that we get the best content we possibly can out to everyone. I'm actually really excited about this one. We just talked through it. for those of you who don't know, our marketing company, they   comb the internet and they comb our calls, they look through all of the data and information they possibly can and look for the best topics they can help us think of, and then they deliver those topics over to us. So for all of you out there, if there's a topic, subject that you've loved you want more of, please let us know. If there's a topic that you're like, gosh, I wish these ladies would just talk about this or dive into this more, let us know. Hello@TheDentalATeam.com   you can tag any one of us in there. Doug is our podcast guru in the background today. and of course we're the ones recording them. So if you've got ideas, we love ideas. We love nothing more than to bring you the stuff that you guys actually need. So Nikki, how are you this morning? Thank you for being here. We were talking earlier about our random Arizona summer storm, which I think it's gone and it's like just hot and humid now, and here we are. So anyways, how are you today?   Nikki Mack (01:23) so good. I know recovering all the damage, you know, the flipped over chairs, the lawn furniture. Nothing flew out of the yard this storm. So always a win, but I'll take it. The hot is worth it because the storms are beautiful. And   Tiffanie (01:37) They are.   Nikki Mack (01:37) in a couple months it's gonna be amazing. We're gonna be really, really happy. Maybe we podcast outside. Just kidding. That's crazy. But   Tiffanie (01:44) you would be so happy.   Nikki Mack (01:45) happy to be here this morning inside in my AC in the aftermath of the storm for sure.   Tiffanie (01:52) Same. Kiera and I did podcast because I think we've done it twice. We've done we've podcasted from South Mountain here in Arizona. Yeah. And   Nikki Mack (01:59) Amazing.   Tiffanie (02:00) that was when that was I mean that was gosh, we were just starting. That was a long time ago. And then we've podcasted from a mountain across the street from her house in Nevada. So and that was our I think that was our birthday podcast last year or the year before. So you never know. We might end up outside. I do love being outside as an Arizona native.   as I'm sure you do as well when it's not 115 or humid. Yeah. Arizona   Nikki Mack (02:25) When it's one hundred and fifteen.   Tiffanie (02:28) doesn't do well with humidity. Like it's been a little humid this summer, and I'm like by a little I mean like there's been like five to ten percent humidity out there, and you feel every ounce of it. So I'm ready for just good weather. so with that, thinking about outside, thinking about outside of ourselves, I love   marketing. It's one of my favorite things in the whole wide world. Like to me, I think communication is marketing. Like I'm constantly marketing myself, right? Who I am, how I show up, and like how I speak to people is marketing. I I just think marketing is showing up in a certain way to get the result that you want. And people overextend it, they overcomplicate it and they think that they have to do it a very certain way. And the reason marketing is   It's a an amazing tool, but the reason it sucks is because it's really hard to like guarantee results, right? So there isn't a certain way. There are multiple stabs in the dark that we take to get different results. And luckily, our blessing is that we get to see a lot of those different ways. We have a lot of practices. We've worked in a lot of practices. We've taken shots in the dark and   really figured out and narrowed in some things that work. And today I really wanted to talk about like strategic community networking and becoming partners with different people in the in the community, different networks in the community and just different genres outside of dentistry. And I think it's really important for dental practices and dental practice owners, business owners in general to do this. I know Toastmasters used to be like this massive thing. It's still here. Like I know someone who does Toastmasters and   She's like the shyest, like most internal person. She's like, I will learn how to talk to people. And so like Toastmasters is still a thing, but the best thing about Toastmasters is wasn't hasn't always been that you learn how to speak in public. It's the community that you build and those referrals, right? And you know, my fiance is a business professional and   Within his profession, he goes to networking events a lot. He's not a good, like he he's a very internal person as well. But he goes and he does these networking events because then he can refer his own clients or his friends. We've used people to, you know, by referral. And building that network totally changes the game because it's a bit like it's a forward and backwards. Like I refer to you, you refer to me, we know each other.   We help each other, all of those different pieces. So I wanted to talk a ton today about how to strategically build that community as a small business owner and a dental practice owner, you know, in any town. And Nikki to your point earlier and maybe speak to this a little bit, you were saying the reason that we and the reason marketing isn't super cookie cutter.   is because we all live in different demographics. But I do think we have some great ideas that could work anywhere. But Nikki, take us through some of what you were talking about there. Like why does it make a difference that where we live?   Nikki Mack (05:42) Absolutely.   Also, quick nerd alert. Five years in Toastmasters back in the day. So a hundred percent.   Tiffanie (05:47) There you go, I knew it. I should have known that.   Nikki Mack (05:52) yeah, I think when we talk about, you know, things not being cookie cutter and knowing your demographic marketing, especially, especially if we're talking community outreach, is a huge place to be in. you know your demographic. This isn't even where I'm like, okay, doctor, sit down and like think about your patients. You know your patience, your team knows your patients.   What is important in your area? What are the things that people post about, go to, talk about? And then being able to lean into that opportunity. Do you have if you're a pediatric office, right? We were just talking about this one. are you right in the middle of a bunch of school districts or a lot of school areas? Do the school nurses have your office information, right? do you participate in teacher appreciation week?   Like what does your outreach look like in those areas? Because not just for the teachers who deserve the world, of course, but also that's when they talk to parents, right? Or the parents that come and see who's taking care of their teachers as well, you're building that not just relationship, but that reputation. And that's what really drives those referrals, that culture, that everything we talk about. Now, maybe if you're a very specialized, I don't know, periodist.   sponsoring teacher appreciation day might not yield the same results, right? So this is where I say, like, know your area, know your demographic. every city has a chamber of commerce, right? the action level and what you kind of get for that membership varies everywhere. But if you look into it and it responds well with your culture and what you're driven, especially if you're very community focused and they do have a lot of those opportunities.   Reach out, right? You know, sign up, try it out for a year. Usually it's an annual membership or so, because the relationships you're gonna build to Tiff's point with those other business owners in the community too are going to be very impactful and possibly spread that reach even further than you would have thought of. And a network who's also trying to actively market and grow their business, what a resource. Because we may not all   Tiffanie (08:02) I see.   Nikki Mack (08:02) be dental, but we can share best practices.   share opportunities and even partner on certain things sometimes. So knowing your demographic, knowing what's really key and crucial, so important. If you're a downtown people commute in, you're right by all the businesses, well, the community pieces might look a little different for you. And so maybe you find out that who did what who did we use Wells Fargo, right?   Tiffanie (08:29) Mm-hmm.   Nikki Mack (08:30) Wells Fargo corporate building is a block from your office.   Does that HR lady know your name, right? Are you guys in network or do you file out of network for them? Knowing your audience is a great way to start before we just cause marketing when it doesn't work is exhausting. So let's be strategic to start and and get some really good results.   Tiffanie (08:54) Yeah, I love all of that. All of that. There are a few pieces there I wanna point out. You said referrals, right? Well, you said periodonist that might not yield the same results and it made me think, Okay, well, how much work are we doing to build the relationship back with those referring practices? I know when I was in that or in office I used to ha have a gosh, get my words together, an orthodontist.   that was really had a really close relationship with our doctor because of a community networking group that they were a part of outside of the dental practice and they routinely sent us families because families found them without a GP dentist because they knew their kid, their teenager needed braces, right? So they'd go to the orthodontist but need a GP dentist so they'd refer him over. Same with periodonists, you know, people look up implant, they end up at an oral surgeon or or a periodontist and they don't have a GP. You guys need them.   To have a GP, so you send them over. So making sure we're building that two-way street of referrals is huge. The Chamber of Commerce, I love this Chamber of Commerce situation and I've seen it really spike up recently with a few practices that we're working with. And I I have one that comes to mind and he'll know exactly who he is. he joined the Chamber of Commerce a few years ago. He's one of the business owners, but he's also the the like practice manager. He manages the business manager, right?   He joined the Chamber of Commerce for their practice when they relocated into a bigger building and he did it in order to really get to know the community. They lived outside of their community, about an hour outside the community that they worked in for a long time. Then they decided to move to that area, and now they're about five minutes down the road from the practice, which is super convenient. But they didn't feel like they knew the community. They felt like they were outsiders and they wanted to be more invested and involved. So they joined the Chamber of Commerce.   And they really started showing up at different events. They started doing, he did a leadership course through the Chamber of Commerce and through the the City Community College there. He knows everyone in that town. Like they have so many connections and so many amazing businesses that support them and vice versa, they support. And something that I don't think people really understand about the Chamber of Commerce is that it's like just that networking piece, the emails that say, hey,   We've got a ribbon cutting event coming up. Like, cool, there's a ribbon cutting event for a small business. Let me go show face and shake hands and say hello to the new owner and welcome them to business ownership. If there's anything that you come across, by all means, I've been through a lot. I might not know it all, but I might have something to offer and just be a neighbor, like be a friendly neighbor. Those community networking pieces could go so far.   And something else you made me think of. I don't remember why I thought of it, but I thought I think you said knowing your demographics, and you said like what what plays to them, right? And then I thought, Nikki, I've never thought of this before, and I think it might be gold mine. I'm not sure. What   Nikki Mack (11:55) Yeah.   Tiffanie (11:56) are your hobbies? Right? What do you love to do? So I'm thinking we're in Phoenix, so we have a lot of foodies, right? We've got a million restaurants here. So what if a dentist who is a foodie who loves food or a team member   Who is a foodie and loves food, and they go and they try all these restaurants, and you're out there, right? I have we have a restaurant in downtown Buckeye, Arizona. It's phenomenal, best Mexican food I've ever had in my life. And I have grown up in Arizona. Best food. Okay. I tell everyone about this place. What what if your dental practice that's like, hey, these are our monthly newsletters, and also let me highlight our restaurant this month.   what restaurant did we go to and we love in our community or in thirty minutes from here? Because now it's become something that's not just brush your teeth, floss. Like people don't I'm not gonna lie, most people are not reading those. Like they're not they're not. They're just not, right? But if you catch their attention with something like the best hike I've taken since I've lived in Arizona, best hike of the month, best restaurant, best ice cream. I have a doctor who loves popcorn. Like where are you getting your best popcorn? What's your   popcorn flavor this month. Like spice it up a little bit with something that's different. Because as I was as you were speaking earlier and I thought of that, I thought, how cool would it be to be like, you're going to that restaurant? I've actually heard of that. And I'm like, where did you hear about it? It's so obscure. And they're like, actually my dentist. Who's your dentist? Because now you've just created a new conversation topic that you can insert yourself into in a network of people across your whole city.   Nikki Mack (13:37) Yeah, absolutely. It makes me think of do you know how sometimes coffee shops or like little bakeries or cafes will have like the question of the day and you   Tiffanie (13:46) Mm-hmm.   Nikki Mack (13:47) answer when you come in? I've seen some dental practices do that, right? Like they have   Tiffanie (13:51) Yeah.   Nikki Mack (13:52) their question of the week or you know, question of the month. and it's just that fun little connection, like you said, and especially if it's something community driven, like what's your favorite Mexican place around here? What's your favorite restaurant? Who's your favorite coffee shop?   to drive kind of that conversation and connection because yeah, then if someone goes and tries it, it's like, how did you hear about us? And you're like, my dentist, actually.   Tiffanie (14:13) Yeah.   Nikki Mack (14:14) it's such a like full circle moment, especially if it's someone that you have partnered with in the past, whether it's meeting each other at a ribbon cutting or you know being at some other event, or they just maybe they're a patient too, right? Like there's always those small world connections and finding ways to close those little links there.   it's always such a neat and unique opportunity because this is why we talk about referrals are the best source for patients because you're it's patients you love referring people they love, right? To come into your practice and they know who you are and like what your culture is. And so when you build those relationships with our networking sources or referral sources and opportunities, it's that same type of environment where they're gonna be referring people   that   fit like what you're looking for and kind of fit that mold. so you just you put so many opportunities out there by by making those connections. I I love that. Also after the cast, I'll need that restaurant. we'll check it out. Okay. Yeah.   Tiffanie (15:14) Totally. Yeah, I will. I will. I'll send it to you. It's so good. It's so   good. and also I was thinking you said, if you've partnered with that person or if they're patients, like why not host we do Invisalign days all the time, right? Or ortho days, Clearliner days, Candid Pro days, whatever you're calling them. and you also do study clubs. Like study clubs are   Nikki Mack (15:38) Mm-hmm.   Tiffanie (15:39) cool because you need the CE. But study clubs are not like you're not   generating a lot of referrals because it's a bunch of other dentists, right? Why not host a networking like day, right? Or or a couple hours and a networking group in your dental practice on a Friday morning from like eight to ten AM. You can have muffins and donuts and coffee and orange juice and water and invite your patients that have businesses, real estate agents, insurance brokers, financial advisors, they're all in your patient base, I promise you.   Doesn't mean you have to use them. It means, hey, I know that there's a community of people here who need a networking group. I would love to do a once a month networking group or once a quarter network networking group for two hours. Invite your patients and invite your patients to invite their friends.   Nikki Mack (16:29) Mm-hmm.   Tiffanie (16:29) Everyone knows somebody. So bring a buddy, maybe every third one. I mean, I would do everyone, but I would do bring a buddy. Like bring a buddy and get a free ticket.   you know, to enter to win the blackstone. I don't know. Do something, but if you were to host something like that for your patients and for local businesses nearby, bam, more. And you're just the whole point in this is marketing is is hard. Marketing is difficult. And we rely on outside sources to do a lot. And I love nothing more Nikki than to look at what can I do? What can I control?   And building a strategic community network, all all it does is start self-promoting your business. Be a good person, know good people. People talk about you. So this whole thing is not only fun, I think, and some doctors might say, like, yeah, you're crazy, you like people. Cool, have your office manager   Nikki Mack (17:26) Yeah.   Tiffanie (17:27) do it. Like, I don't know, ask somebody in your practice is gonna want to do something like this. But what it's doing is it's building your patient base with   out paying for new patients. It's it's a outside the box, out of the normal way of expanding your reach into your community to bring in new patients to your practice to grow your dental practice that's just completely outside the box. And I think in 2026 and whatever year moving forward, you're listening to this, outside the box is what we have to do. The norm just isn't cutting it anymore. You can't just place Google ads   And expect the floodgates to open. You can't just send postcards to your neighbors and expect the floodgates to open. You've got to do something different that gets attention. And building that community and that networking group not only helps you, but it helps all of those other people. And that's when those floodgates open, in my opinion.   Nikki Mack (18:28) I   agree. And I think to your point with when you think outside the box and you come up with an idea, right? Or your team comes up with an idea because it's maybe something they saw or heard or read about, or maybe an idea shared on the Discord that another doctor in a different state   Tiffanie (18:42) Yeah.   Nikki Mack (18:43) used, right? And you're like, I want to do that. Here's what I feel like happens a lot. I want to do that, but I know I don't have time. And so I shelve   Tiffanie (18:50) Mm.   Nikki Mack (18:50) it. Right. Or like, I don't have the bandwidth. Like I absolutely love the network hosting idea.   I don't have the bandwidth to organize that. Well, guess what? There's probably a local group already out there that is doing these things or looking for places to meet. I know in my neighborhood area in Phoenix, we have this huge Facebook group that they do a lot for networking. There's a couple people who run it. They host networking events. They host like open table nights for the neighborhood for people to come and meet each other. And one of the things that they're always looking for is places.   to host. So   Tiffanie (19:27) Yeah.   Nikki Mack (19:28) maybe you don't have the bandwidth currently to create a networking group, right? And host them and do all of the the kind of legwork. Absolutely. But if you like that idea and you have the space, if you have a beautiful break room, right? Or a beautiful lobby, reach out. I bet you or someone on the team knows a local group. Do a quick little local search, right? Reach out.   make sure that they fit, you know, it's the right type of group, their their kind of vision or what they're searching out to do is what you align with. But I'll tell you what, I've been that person trying to find locations and organize groups and where to meet. And when somebody comes out like, hey, you can use my space, here's what it would look like, right? Here's how we could make it work. my gosh, like game changing. And then now you have just solidified your piece like in this network.   And now that's going to create so much opportunity because we all know once they come in the office and experience you and your team, game changer, right? And they have that   Tiffanie (20:28) Yeah, I agree.   Nikki Mack (20:29) opportunity to do it. So any idea, it doesn't just have to be the network hosting. But if you hear something or see something or think of something and your first thought is, I don't have the bandwidth, don't drop it. How do we pivot? What can we do? How do we adjust it? How do we tweak it so that it is something we could fit in, at least in some companies.   Capacity. And that's where your consultants come in, right? I love those messages, Nikki. I had a great idea. I'm like, yes, lay it on me. Let's talk about it. So you're not alone. You don't have to figure out how to make it work. If it's a great idea, let's work it out. Let's talk it through and see how we can make it work for your practice. You have a network. you have consultants, you have the other doctors with the Dental A Team. There's being out of the box means all hands on deck sometimes. So   Tiffanie (21:18) I agree. one last idea, you were talking bandwidth and I I agree. And I thought, like, okay, you can you said earlier, teacher appreciation, right? Make sponsoring that could also sponsor the mommies and muffins and muffins and mom, like whatever it is, like those types of things as well. But also you could go to the donut shop or the kofi coffee shop or whatever like local small business is near you and say, Hey, here's two hundred dollars.   the next two hundred dollars worth of purchases is on me. So when somebody comes and they order their coffee, all I ask is that you let them know that we purchased it for them and we want them to have a great day. Write a little like motivational like have a great day. You are loved, you are seen, you are whatever on a little card. Give that to the desk and let the let $200 worth of money be your marketing for the morning for that coffee shop. Something   that's just different and people are like, wow, that was so unheard of. Okay, that was my last idea. Listen to this. There's a ton of ideas in here, you guys. And the biggest piece is strategically build your community. Your network, what does Kiera say? There's a there's Kiera doesn't it's not her saying, but it's someone's right. But your net worth is directly correlated to your network. And so the people that you know, the people who are help building you up, the people who are   referring back and forth, the the people that you call when business sucks and even though they're not indental, they can relate to you because they own a business. That's your network, right? So build your net worth by reaching out and building your community network. See what you can do to help other people. Nikki, this was really fun. Thank you for taking the journey with me. I know I made a lot of stops and pivots and turns, but that's what marketing is. So thank you and thank you for your time this morning that you blocked out for me.   Nikki Mack (23:13) Always, thanks for having me. Love talking marketing. Always happy to work through stuff. So I'm really excited to see what some of our listeners come up with.   Tiffanie (23:23) I agree. I agree. And with that, go brainstorm. Drop us a five-star review below and let us know what you did, whether it was something we suggested or something you thought of on your own. Let us know what you thought of. We want to share all of these with the community. Hello@TheDentalATeam.com. We are here to help you to work through it, to brainstorm, to do all of the fun pieces. So let us know how we can best support you. And with that, we will catch you next time.  

Want to be a better leader? Start by doing less. In her new book, Leadership Intelligence, Caroline Webb shows how smart delegation, ruthless prioritization, and the right time management techniques can help you make better decisions. In this episode, Caroline and Rufus discuss how to be a better leader by using your time more intentionally, delegating work you should no longer own, and helping your team do their best thinking. Caroline shares practical tools for team management, decision-making, communication skills, saying no without damaging relationships, avoiding multitasking, and focusing on the highest and best use of your leadership. __________ Today's episode is sponsored by: Granola — The AI notepad with notes, actions, and memory, and no annoying meeting bots. Try it totally free for three months at granola.ai/idea IM8 — Athletes. Doctors. They all drink IM8. Get a free welcome kit, five free travel sachets, and 10% off your order when you use code NBI at im8health.com/nbi Momentous — If you want to try Momentous Signature Spec Creatine, head to livemomentous.com and use code IDEA for up to 35% off your entire first order Upwork — Find freelancers for any project. Visit upwork.com right now and post your job for free Wealthfront — Earn up to 4.30% APY with Wealthfront's high-yield cash account for a limited time at wealthfront.com/nbi Wealthfront Disclosures: This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The host of The Next Big Idea, Caleb Bissinger (“Media Partner”), is a client of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. Funds in the Cash Account are swept to Program Banks where they earn a variable APY and are eligible for FDIC insurance. Conditions apply. For a list of Program Banks, see: www.wealthfront.com/programbanks. FDIC pass-through insurance, which protects against the failure of Program Banks, not Wealthfront, is not provided until the funds arrive at the Program Banks. While funds are at Wealthfront Brokerage, and while they are transitioning to and/or from Wealthfront Brokerage to the Program Banks, the funds are eligible for SIPC protection up to the $250,000 limit for cash.  FDIC insurance is limited to $250,000 per customer, per bank, regardless of whether those deposits are placed through Wealthfront Brokerage. You are responsible for monitoring your total deposits at each Program Bank to stay within FDIC limits. Wealthfront works with multiple Program Banks to make available up to $8 million ($16 million for joint accounts) of pass-through FDIC coverage for your cash deposits. For more info on FDIC insurance coverage, visit www.FDIC.gov.  Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Fees & Eligibility requirements may apply to certain checking features. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Product images are for illustrative purposes and do not reflect individual experiences, account balances, or performance.

You can find more from Jay here:https://jayabbasi.me/https://www.linkedin.com/in/jayabbasi/https://www.youtube.com/@jayabbasipodcasthttps://facebook.com/thejayabbasihttps://www.instagram.com/jayabbasi_/What if success isn't about avoiding pressure—but learning to master it without burning out? In this high-impact episode of The Self Esteem and Confidence Mindset, we sit down with Jay Abbasi, global keynote speaker, TEDx speaker, coach, and former Tesla leader, to explore how professionals can thrive under intense pressure with clarity, energy, and purpose instead of running on empty.At Tesla, Jay led national training programs for over 1,000 employees, and has since coached leaders at Google, Amazon, TikTok, Wells Fargo, and more. As host of the top-rated podcast Unstuck with Jay Abbasi, and featured in Forbes Founder, Authority Magazine, and Medium, Jay blends corporate experience with deep expertise in mindfulness, resilience, and wellbeing to help high performers find their voice again when pressure threatens to silence it.

Man Group's Kristina Hooper breaks down Kevin Warsh's closely watched moment and what the shifting policy outlook means for stocks. The episode also examines one of the more surprising turns in the AI trade: Ryan Levine, Senior Utilities Analyst at Citi, explains what happened to the expected AI boost for utilities and whether surging data center power demand can still translate into gains for the sector. Consumer trends come into focus as Ike Boruchow of Wells Fargo examines what a potentially warm winter could mean for retailers and apparel companies. Jonathan Boyar makes the case for value investing and identifies opportunities away from the market's most crowded trades. Nvidia takes center stage ahead of earnings later this week. Tim Arcuri of UBS previews the report and outlines the key signals to watch across AI demand, spending and the semiconductor ecosystem. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today's guest is David Booth, founder of Dimensional Fund Advisors, which now manages over $1 trillion. He studied under Eugene Fama at Chicago and helped build one of the first index funds at Wells Fargo. In today's episode, David traces Dimensional's arc from indexing's earliest days at Wells Fargo to crossing $1 trillion in AUM this year. He shares what Gene Fama said when he got the call, the story of driving a client to Chicago to walk through the Fama-French paper, and why AI investing looks like the California gold rush. To close, David makes the case for judging yourself by decisions, not outcomes. Get David's book: Stay Calm: Learn to Embrace Uncertainty in Investing and Life (0:00) Introduction (0:58) David Booth's start to investing (3:38) The beginnings of index funds and early challenges at Dimensional (10:09) Long-term investment perspectives and the Fama-French three-factor model (17:26) Dimensional's educational focus and advisor partnerships (20:21) Small cap value performance, AI & market trends (23:26) Symbolism of bankrupt stock certificates and lessons on diversification (25:44) Compounding for 45 years (30:56) David's passion for Kansas basketball ----- Sponsor: ⁠Upwork⁠ is the world's largest human and AI-powered freelance marketplace to hire top talent—trusted by businesses and professionals worldwide. Follow Meb on X, LinkedIn and YouTube For detailed show notes, click here To learn more about our funds and follow us, subscribe to our mailing list or visit us at cambriainvestments.com ----- Follow The Idea Farm: X | LinkedIn | Instagram | TikTok ----- Interested in sponsoring the show? Email us at Feedback@TheMebFaberShow.com ----- Past guests include Ed Thorp, Richard Thaler, Jeremy Grantham, Joel Greenblatt, Campbell Harvey, Ivy Zelman, Kathryn Kaminski, Jason Calacanis, Whitney Baker, Aswath Damodaran, Howard Marks, Tom Barton, and many more.  ----- Meb's invested in some awesome startups that have passed along discounts to our listeners. Check them out here!  ----- Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com).

Today, we're revisiting Rufus's conversation with Yuval Noah Harari about his book Nexus. It's Harari at his best — a soaring overview of human history that turns, almost imperceptibly, into a gripping argument about the world we are building right now. The questions he raises about how AI affects our politics are even more relevant now than they were back then. At the time, Harari warned that AI was moving "much, much faster" than he expected. Since then, it has only accelerated — and so have Harari's concerns. At Davos this year, he said: "Anything made of words will be taken over by AI. If laws are made of words, then AI will take over the legal system. If books are just combinations of words, then AI will take over books." Which makes the ideas they explore in this conversation feel less like speculation about the future and more like a description of the present. __________

Why do some of your best clients, the ones with real revenue and a great attitude, never actually refer you to anyone? Terry Gronbeck-Jones calls this the mystery of the double A, and in this episode, he joins Duncan MacPherson to finally solve it. Join Duncan MacPherson for an in-depth conversation with Terry Gronbeck-Jones, a business development consultant who has been coaching financial advisory teams since the late 1990s, the majority of that time spent at Pareto Systems. Terry and Duncan have known each other for nearly forty years, and this marks Terry’s return to Always On after his earlier episode on avoiding a plateau. Together, they unpack Pareto’s triple-A classification system: assets, attitude, and advocacy, and explain why the double A, the client with the first two but not the third, is one of the most overlooked growth opportunities in any practice. The gap between a good client and an advocate isn’t complicated once you see what’s missing. Key Highlights Include: Why double A’s sit on untapped gold The three real reasons great clients don’t refer Why the little things are the big things Positioning referrals as a service, not a favor Why strategic partners refer three times more often Tune in for a warm, practical conversation on turning your best relationships into your best source of new business. Promotions: Pareto Systems, Turnkey Advisor Membership: paretosystems.com/turnkey-advisor-membership Connect With Duncan MacPherson: Website: ParetoSystems.com Toll Free: 1.866.593.8020 Learn More: Schedule a Call: paretosystems.com/schedule-a-call LinkedIn: Duncan MacPherson: linkedin.com/in/duncanmacpherson Connect With Terry Gronbeck-Jones: Website: paretosystems.com/coach-terry-gronbeck-jones LinkedIn: Terry Gronbeck-Jones: linkedin.com/in/terry-gronbeck-jones-51463b3 About Our Guest: Terry Gronbeck-Jones has been a consultant and business coach for the financial services industry since the late 1990s, the majority of those years spent at Pareto Systems. Terry also consults through Mindset Consulting, a company he co-founded in 2014. His primary focus is working with financial advisory teams across North America, helping them implement marketing and business development best practices. He has consulted on corporate projects with firms such as Wells Fargo, Raymond James, and Creative Marketing, and is the co-author of The North Wind and the Sun, a collection of true stories about the importance of relationships in business. Terry is based in Ottawa, Ontario.

Tiff and Nikki share how a hands-on operator can become a strategic owner, and at the same time set the team up for success. By sharing responsibilities and establishing clear systems, your practice's culture, business, and team can blossom in unexpected ways. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Tiffanie (00:01) Hello Dental A Team listeners. We are back with you today and to share some really fun things. I have Nikki here with me today. I love nothing more than podcasting with the other consultants on our team. And Nikki is a favorite, a fan favorite, and a Dental A Team   Nikki Mack (00:17) Yeah.   Tiffanie (00:18) favorite. Nikki, thank you so much for being here this morning for us and whatever time of day the listeners are listening. How are you today, Nikki?   Nikki Mack (00:26) I am good. I'm excited to be back too. I this has become one of my favorite parts of Dental A Team. and especially when I hear from doctors and listeners, my gosh, I heard you yesterday on the podcast. And it's fun to know that like while I get to have a good time with you, this really matters and it helps our listeners. So happy to be   Tiffanie (00:44) I love that.   Nikki Mack (00:45) here.   Tiffanie (00:46) I love that you walked into an office not that long ago and they said, my gosh, I just listened to you. I think it was that morning, right? You had a doctor that had said that.   Nikki Mack (00:52) Yeah. On   their way into the practice. So that was a how do you follow up yourself? Like that was a that's a tough act. Yeah.   Tiffanie (00:59) Yeah. Yeah. I gotta do a whole meeting. This is wild. I   love it. Yes, we have definitely built a cult following here and we love it. I know you actually you are working with an office who is one of our biggest podcast fans of all time. and it's a husband and wife duo and I won't say who they are, they know who they are because they're listening and she is just   one of the most amazing people I've ever met in my life. She's so sweet. And I am hoping that they're coming to the Masterminds as well. I'm pretty sure that they are. but I will be excited to see them. I know that's a podcast family for you as well. And it just makes it super fun and it kind of makes us feel like, okay, cool, they know me. And so it gives us an outlet and an opportunity for you listeners and you practices who work with us, practices who will work with us in the future. It gives us an opportunity to showcase who we are.   So that you and your teams kind of have an idea before we get to you, whether we're in office or whether we're virtual, just like this. And I think Nikki, you've experienced it now too. You've experienced both worlds, like going into practices obviously who've never heard us, and then going into practices who have heard us. And I think both of us can agree that those practices where the doctors love the podcast, have maybe found us through the podcast or or listen to it and then share it with their teams, those teams are like   almost a step ahead already. Their brains are ready, they're in that growth mindset and they really understand the angles that we come at consulting from. And I think that it really just helps us give that give that like extra footing to make progress. Do you feel the same, Nikki?   Nikki Mack (02:44) Absolutely, I agree. I think we've talked about this, I feel like in a previous podcast. I think in dentistry, fit matters so much, you know, that our team is the right fit, our patients are the right fit. And I think when it comes to consulting, you need to make sure that they're the right fit for your goals and your vision. and our podcast is just a nice way for listeners to, like you said, really get an understanding of who we are and and how we operate, you know, kind of what we're about. And so you really enter the relationship.   a step ahead 'cause we're like, okay, I know this, especially when they've seen us specifically, they already know what they're in for with me. So it's a pretty good start to the ride together for sure.   Tiffanie (03:25) I agree. I think one of my favorite pieces of you in general, but of our c whole consulting team, is that how we show up is like who we are. We don't really show up any differently. I might become a little peppier on stage. People will see   Nikki Mack (03:38) Mm-hmm.   Tiffanie (03:39) that than my normal everyday life. I might talk a little bit more. Erin probably disagrees, my fiance, but I think I talk a little bit more at work than I do at home. but no matter what, like our personality shines through and we are who we are. So then   practices, doctors, people, teams, they do know what to expect. And today I wanted to chat through some aspects and some different ways that we can pull doctor, we'll call it out of the weeds, right? Practice owners out of the weeds. And I think this is actually a huge segue into that because I think sharing your goals, dreams, aspirations, and sharing the things that are helping you feel connected to dentistry or your business or   your systems, things that you've learned that you want to implement, or just really you're like, gosh, I really love these ladies' personalities and I want like some semblance of that kind of culture in my practice. So taking things like this and sharing it with your team is really a great way, Nikki, I think to step that first foot into pulling themselves out of the weeds of being like the one, right?   The one that has to make all the changes, the one that has to make all the decisions, and really just like totally in the weeds of the business, the dentistry, the HR, the people, the team, that like all of the pieces and they're trying to hold all this together, but sharing that I know in our company is specifically with the consultants, we share constantly, we share different things we've heard or listened to or   different podcasters or books, things like that, because it helps to build our culture and helps to keep us closer together. So with that, Nikki, what do you feel like what would that do for a practice or how do you think that it helps a doctor to pull themselves out of the weeds when they do share different things like that? Whether it's this podcast, a different one, could be completely non-dental. How do you think that helps them to set their team up for success to be able to pull out?   Nikki Mack (05:38) Yeah, I think sometimes we get so caught up in that leadership position with our team that we think it's just office focused, you know, making them a better dental assistant or a better office manager or better treatment coordinator. But I think when you look back on some of your best jobs and experiences and cultures, it's where they also work to help develop you as a person. And that's where I think some of these come into play. a lot of these books and podcasts and   Things that even we talk about sometimes I've never heard of them. You know, I'm like, my gosh. And then it's on my regular rotation, a favorite. So the same can be said for your team members. They may not even realize some of these resources are there. And when you share that with them, it creates a different type of connection. like you said, it helps them understand. Like, if I'm like, my gosh, this is my favorite podcast, here's what I took from it today, it helps you relate to them.   And then sometimes it just gives those pieces and it's like, wow, okay, we really are working for this goal, right? We really are trying to get to the next level. And I love things I get at work that I can apply to my personal life because there's a lot. It happens a lot.   Tiffanie (06:45) Mm-hmm.   I agree. And I think too, as you're speaking, I'm thinking of how like different people hear things differently, right? So one podcast, I might hear a certain message and it might be there. You might hear that message too, but you might hear it in a different angle or from a different perspective or apply it differently. And per position too, a dentist and a business owner might hear a marketing podcast and think overarching marketing and like how do we do all of these pieces?   And then you pass it along to a treatment coordinator or an office manager and they're like, cool, I could apply it in this way with my verbiage to my patients. And so like wherever we're sitting, we get to spin it for that perspective and how it's gonna suit us the best. And I think that that makes a massive difference. And pulling ourselves out of the weeds, well, and right there, right? Sending it to an office manager or treatment coordinator, it's like, who is your team? Right? Who are the people that you count on?   at your practice, at your business, who are the people boots on the ground who are there supporting you. And how can you allow them to support you in your journey and be that show up as that leader? You said Nikki, like the leaders in the practice. And sometimes I think doctors silo themselves and think they have to be the one or they have to do it all. But farming some of that responsibility out to the leaders within the practice or the count it on   team members, I think Nikki, you've got a couple teams that are like a handful of people, right? We've got like seven, eight team members.   Nikki Mack (08:16) Yeah.   Tiffanie (08:16) You might not have a leadership team, right? Because like you got seven people, what are you going to do? Pull full four departments up and now they're managing each person's managing one person. So you might not have that full leadership team, but how are these people countable, right? How are you counting on them? And how can you share that culture and that experience and ideas with them?   Nikki Mack (08:40) Yeah. Well, and I think a key thing that we forget a lot, especially as leaders in a practice, sometimes our systems systems are   Tiffanie (08:49) Mm.   Nikki Mack (08:50) created or adapted because of an outlying like thing going on in the practice. We're short staffed, someone's out on leave, right? These things that are going on. But a lot of times we get ourselves in the habit of never shifting back or never reevaluating. So when we get   really stuck in those weeds, I think what happens is that allows us to have these not bad systems, but just they're not efficient, right? They're the things that really bog us down or make us feel really exhausted at the end of the day, but we don't have the opportunity to step back and say, could this be done differently? What should I do? Then when we take that moment, get ourselves out of those weeds, and it's like, my gosh, I not only do I not have to own this, it's better if I don't. There's someone on my team   that's better qualified for it, that should handle that and run in a sense that interference. And it's relearning ourselves how to redirect those people or those issues or those tasks. And then also that's when we have to kind of retrain our team. That's where the leadership comes out, that we are able to say, hey, I can see this clearly and I'm confident that this is a better direction. Here's how we execute it, right? And hold them accountable to it. Don't just take it back on because you're used to it.   but sometimes it takes something, a podcast or a book or a conversation to have that aha moment and realize, this is really like kind of slogging my day down. I shouldn't own this. This could be done better. So having that opportunity to see it through different eyes, it can change so much.   Tiffanie (10:28) I agree. I agree. And I do have practices as they were say saying all this, I'm thinking, how many times have we been asked how do I need to pay them for this to listen to this thing or learn this thing? And we've got our online courses that a lot of practices utilize and we get asked that a lot. Like that's totally up to you guys. We don't have a say in that. but they you know, or practices that say they send it and they don't listen to it, right? And so they're just like beaten down and they start to feel   upset by it or hammered down and like why do I even bother? Do I have the right people? And I think Nikki within that is more of an expectation. And what that leads me to is what is the expectation of each position? And then what's the expectation of that person within that position? So do we have job descriptions? I know we talk about these a lot. We talk about them   Nikki Mack (11:19) Yeah.   Tiffanie (11:20) a lot because they really, really matter. Clarity is everything. Clarity is everything in life. In a world of chaos and a sea of crazy   If we can bring clarity to something, why wouldn't we? Right? It seems wild to say, meh, I just don't feel like it when we could bring some clarity. So if there's clarity to these positions, these these team members know this position means this thing. This is what I do, this is how I show up, these are the tasks that I do. But really a job description is how do I present myself within this seat? How does this seat show up for this practice and what are the goals within that?   So then layering in those expectations too of that personal development. Like, is it built into your culture? And did you do it without seeing why you're doing it? Right? Did you send the podcast like, hey, take a listen to this? You might enjoy it. And they're like, okay, cool. Maybe one day, right? It's on the back burner. This thing is more important. Or did you say, hey, I love growing and learning? And I truly want that to be an aspirational part of our culture.   in our community here at this practice. So from time to time, I might send you little tidbits. I'm gonna tell you why, like what my favorite takeaway was, why I think it's relevant to you, to your position, to your life, if you'll take a listen or read it, right? You can sign up for newsletters, send them a newsletter, send them the Dental A Team newsletter, like whatever that might be, but did you have a description of how they're supposed to show up so that when they see this thing come through, they're like, cool.   That could help me with my team member one on ones. Like I have to do my doc's asking me to do one on ones and I don't understand them yet. This podcast looks like it might help me with that. But not setting those expectations and just flippantly being like, Well, I've sent them the things. I've asked them to do book club with me and nobody wants to. Yeah, well, I'm not a dental nerd either. Like   Nikki Mack (13:17) Yeah.   Tiffanie (13:18) I love dentistry because of where it's gotten me in life. I think it's an amazing   amazing industry. and I I do love dentistry, but I'm not on my off hours listening to a ton of dental podcasts. I'm just not. There's a couple that are floating in there because I need the the continuing education I need to be relevant as well. But I love emotional intelligence. I love, you know, I I love listening to Andrew Huberman, right? And there's so many different things that even in those other podcasts are so applicable.   to business, to relationships, to dentistry, making sure that we figure out what is our style, what is our culture and what are the expectations and then setting those with people, I think make a massive difference, Nikki.   Nikki Mack (14:02) I agree. And I think this is where it comes down to. We talk a lot about I think strong leadership comes to knowing your team, right? And understanding   Tiffanie (14:09) Mm-hmm.   Nikki Mack (14:09) who you have with you and kind of what those desires or those goals are. I know in one practice that I managed, that was a part of our annual reviews. Like, what's a professional goal for you? And then like what's a personal goal? Because if there was anything we could do to kind of support that, and it also benefited the practice or their you know growth as a team member.   Absolutely, why wouldn't we? And then you kind of know how to approach it. So if you know that there's a tip who's less dental nerd, right, then some of that stuff, that's not who you send that podcast to. On the flip side, full disclosure, such a nerd. I did not do back office. All my teens have heard my spiel. I'll save it. It's our little internal secret. But man, do I love some of the nerdy stuff.   Brit and Dana and I actually got to attend a local event here in Arizona a few months ago and do some CE. And when we were comparing what courses we had signed up for, it was very much an aha moment for Brit to realize exactly the level of my nerdiness because I was like, Yeah, I can't wait to go listen to this. Like I just yeah, I I will pull a couple pearls and it will be amazing. and it actually was, and absolutely it was a little dry. Some people left, you know, this is what happens.   but that filled my bucket because it's it's your what motivates you, what drives you is what drives you, right? And then knowing that being able to tune into it is so important and it can sound overwhelming. I know someone is driving in their car right now thinking about, my gosh, now I have to personalize my podcast recommendations per team member. But I promise you it becomes so easy because when you lead with that type of style and you create that culture, this is not where I need you to calendar a task.   To look for podcasts for every team member. It's just gonna come organically and you're able to share those observations, share those pearls of wisdom. And that's how you get out of the weeds, right? We grow our team, we grow their abilities, and we are so aligned that that's what helps that clarity and that confidence because we're like one team, one dream, right? And we all know where that vision is. And this just helps to support it and and boost them up for sure.   Tiffanie (16:21) Yeah, I love that. And so then now we're working on that culture piece. We've got job descriptions clear, right? we've got our our culture piece really starting to fit. And I think that's where a lot of that trust comes into play. So then dentists and owners, they can say, Okay, I trust that this is going to happen. I trust that this team member does have my back. I have full support within them and I can give them this thing. So then we start trial and erroring it. And it's not to say   they didn't listen to the podcast. I can't, I can't give them something. I can't delegate. Like, no,   Nikki Mack (16:55) Right.   Tiffanie (16:56) just be realistic, right? What can you delegate over to them and like dip your toe in that water? Clear expectations on everything. So clear job descriptions, clarity around what does your culture need to look like, clear clarity around your goals, and then start delegating things off that you don't have to do. We like to say any tasks that don't require your brain.   Anything that somebody could do at 80% their level that could look very similar to what you want it to be, it might not be a hundred percent. Their hundred percent might be your eighty percent. but is that okay for this task? Start delegating those things off because that's how you get out of the weeds. Your clarity, your culture, and your delegation are how you get out of those weeds and then having that feedback system. And I think Nikki, within that, like you mentioned goals. I love a good three, five, ten year goal.   not easy to sit down and be like, what do I want in three years? What I want in 10 years. Like do some prompts, ask us, Hello@TheDentalATeam.com. Like we're more than happy to help you dig into what those need to look like to work backwards. But when you have that vision, you have that goal, you know where you're going. Same with your culture. You know what you want your culture to look like. Now it's something that we can create. It's something that we can do together to reach those goals and get you pulled out of the weeds.   You talked, Nikki, about knowing the team members. And I think something that we've done really well with the Dental A team is as a virtual company, we've done a lot of like one-on-one time but group time at the same time. We have a lot of meetings. I I think there are companies that have more than us, but we do have a lot of meetings. But we do know each other. We get to know each other on a personal level. So like I was listening to a book the other day and I thought, my gosh, Christy.   Absolutely nothing to do with dentistry, not business, just like the idea, the premise of it was what you believe to be true will be true, right? Hands down, I believe that. And I thought, my gosh, Christy's gonna love this. So I send it to her, and within 30 seconds, she's like, I had an Audible credit, it's downloading right now. Thank you so much. Like, but I knew   Nikki Mack (19:06) Yeah.   Tiffanie (19:08) that was Christy, right? And I know.   Sometimes I'll pop something into the consultant chat that I'm like, hey ladies, this is actually really cool for business or for marketing. Or I'll be like, Nikki, this made me think of you. Or it's my like TikTok Instagram real friend that I like sending all those things, right?   Nikki Mack (19:23) Ha ha ha.   Tiffanie (19:24) But spending that one-on-one time together and really knowing each other, and it's not long. Like we get two 30 minute slots a month that's one on one with each other.   That's all that it takes and paying attention to one another on meetings and during different tasks, during different things, just paying attention to those pieces and who a person is really gives you key insights to what that could look like when you're sending something along like that. And Nikki, how do you see that? Like how can a dentist step back enough to see the people to be able to to see how can they create that culture to again get out of the weeds?   Nikki Mack (20:04) And I think some of it comes to the time that we dedicate to that culture, right? You   Tiffanie (20:09) Right.   Nikki Mack (20:09) know, do we have a morning huddle? do we check in with our team members? Do we have our one-on-ones? And if the doctor's not having it, does the OM check in with the doctor, right? On those one on ones? What's that kind of communication piece? How do we close that circle? Because it is those like random moments, those passing by. docs usually know so much about their DA because the things that'll   Tiffanie (20:32) Mm.   Nikki Mack (20:32) come up, right?   in a chair working with a patient and just utilizing those and kind of capitalizing on it because that's where it's so funny when we talk about like getting out of the weeds but weeds are different for everyone too right like based on your skill set and kind of your interest. So as you as a practice owner or a leader are looking at your team or maybe looking at your tasks that you could possibly delegate. And like maybe you're sitting there right now like   This eats up a lot of my time. And you're right, someone else could do this at 80%. Like I need to   Tiffanie (21:04) Mm-hmm.   Nikki Mack (21:05) let it go. Let's be smart about who we let it go to and using what we know. If I have someone who is like camera shy, hates being in the reels, hates being in the videos, you know, it's like that's not their jam, but they come up with them. They see the good ones, they see that content and they're handy with like the cameras, with the apps, with the social media.   Maybe that's my social media person because they get to film the reels, right? Takes   Tiffanie (21:32) Mm.   Nikki Mack (21:32) all the pressure off of them and they can just excel, plan for when we're gonna film them. And then I as an owner, I don't have to think about it, right? Because I've got things I could do differently. Same when it comes to some of our patient relationships or you know our strategic efforts. Who do I have that that they would own? It wouldn't be weeds for them. And then I can take it off of the plate. Who is? So it's super important to understand who you have.   And people show you who they are every day, the way we work together, the way we chat when we make our coffee before Huddle, you know, all of those kind   Tiffanie (22:05) Yeah.   Nikki Mack (22:06) of little opportunities. we just have to listen and kind of act on it. And also, I say this to doctors all the time ask. Just ask. Sometimes I'm   Tiffanie (22:16) Hm. I agree.   Nikki Mack (22:18) guilty of it myself in the past. I would be like, gosh, I don't know if Yara would actually be into this. Like, I think so.   And you you spend all this time like going back and forth on your mind because you feel like you should just know. But guess what? Like just go ask. Never has an employee been like, I can't believe the doctor asked how I feel about this. Why didn't they just know? Are you kidding? The ask is such a trust builder. So if we're not sure, ask. Ask a question. It's okay. Because clear is kind, right? And making sure that we know where we're coming from. That's what gives us the confidence as the leader to pass this on, to have clear expectations.   and   then have the appropriate follow-up because that's how it all ties together. For myself, one of the things I love about Dental A Team so much is that we don't just work with the doctor or the practice owner. We really do be have that opportunity to spend time with the team as well and making sure that everyone understands that full circle piece. My favorite thing is to remind them that like I am here to help keep you accountable. So we're not going to forget about this in two weeks. This is something we're going to give a real try.   real follow up and then have real conversations about how it's helping us. And that's a real benefit to finding the things that stick and being able to execute not just for the first couple of weeks. So   Tiffanie (23:35) I completely agree. I think that was a beautiful wrap. And if I had to pull action items out of what you just said, I hope doctors and listeners, you heard them as well. Job descriptions, clear as kind. Morning huddles, make sure that you're communicating every day on some level. And monthly one-on-ones. And I heard the other day they were called feedback sessions, and I really loved that. I was listening to a podcast,   Nikki Mack (23:59) I love that.   Tiffanie (24:00) non dental.   and she said that she called them feedback sessions and it was a feedback loop. It was how are you doing? How are we doing as a company? What are you loving? What are you hating? What's making your life difficult? Like what are blockers? And do you have any feedback from me as your lead? And I loved that because on a monthly basis that is way easier. Yearly reviews. I hate when offices wait till the yearly 'cause that's tied to a metric and like we're not a corporate we're not Wells Fargo. Like   Have a monthly one-on-one. So if I were to pull action items, it would be clear as kind, get those job descriptions, get those morning huddles in place. If they are in place, what can you do to spice them up a little bit this week? And where are your monthly one-on-ones? Where are you getting to know each team member individually, whether it's you or their office manager? And then I think my last piece would be really look at the things that you're doing every day, maybe journal. Like just every time you do something, write it down and go through and highlight what do you s what do you have to do?   And then what are some things that you could delegate off and then how will you do that? Nikki, this is a beautiful podcast. Thank you so much for spending your time with me today. I appreciate you. And I just love the joy that you're bringing to so many practices. Thank you for what you do.   Nikki Mack (25:12) Yeah, thanks for having me. I love it.   Tiffanie (25:14) Of course, of course. All right, listeners, you know what to do. Go leave us a five-star review. Let us know how you enjoyed today's podcast and who you'll be sending it to. Go send it to somebody. Like legitimately, you guys know other owners. You guys know people who need to hear this same message. You are not alone, and neither are they. Make sure that they know that. So go send this podcast to someone. And as always, Hello@TheDentalATeam.com, and we'll catch you next time. Bye guys.

Introduction Most carriers have stopped arguing about whether the model is accurate. So why does an MIT study keep finding that roughly 95% of AI pilots show no return on what was spent on them? Dr. Gleb Tsipursky spent fifteen years as a behavioral scientist in academia before moving into consulting, and his answer is that the failure is emotional rather than technical. He names three emotions that block adoption inside insurance organizations: fear of losing the job, threat to professional identity, and shame about being seen using the tools. The third is the one Josh pushed back on, twice, and Gleb did not give ground. The episode is a companion to the July conversation with Stan Smith at Gradient AI, who argued that an accurate model gets ignored when an underwriter cannot follow its reasoning. Gleb takes it one layer down. Even when the reasoning is legible, the underwriter, the adjuster, and the auditor may still decline to use it, and the fix belongs to executives and middle managers rather than the data science team. Guest Bio Dr. Gleb Tsipursky is the CEO of Disaster Avoidance Experts, a Columbus, Ohio consultancy advising leadership teams on AI adoption and decision making. He holds a PhD from UNC-Chapel Hill, spent seven years as a professor at Ohio State studying behavioral economics and cognitive bias, and has consulted for Fortune 500 companies including Aflac, Wells Fargo, Honda, and Xerox. The New York Times called him the "Office Whisperer." His eighth book, "The Psychology of AI Adoption at Work: From Resistance to Results," comes out from Georgetown University Press in September 2026 with a foreword by Nick Bloom of Stanford, and draws on more than a hundred consulting projects and fifty executive interviews. He recently ran a leadership workshop for Citizens Property Insurance in Florida. Key Topics -The three emotions - Fear of job loss, threat to professional identity, and shame about being seen using AI. None of the three are addressed by a standard technology rollout. -Training your own replacement - Employees resist because they believe adoption speeds their own obsolescence, a fear he ties to displacement among junior staff and recent graduates. -The shame problem - People use AI privately and will not tell colleagues, which preserves individual gains and destroys the team handoffs insurance workflows depend on. Josh pushed back on this twice. -AI alarmists and pragmatic resistors - Two of the eight psychographic profiles in his book, each needing a different fix from a different level of the organization. -The skill of the future is editing - Professional pride has to move from drafting the claims letter to evaluating what the tool drafted, which is also what regulators require. -Why license-plus-training fails - Buying seats and running online education worked for previous technology and does nothing for the emotional blockers under AI. -Middle managers become supervisors of supervisors - Employees become managers of agents, middle managers manage those supervisors, and leadership is left doing strategy. -Start in claims - Of every department he has worked with, claims gets a short-term return fastest, beginning with an initial coverage read an adjuster then decides on. Notable Quotes "It doesn't matter how accurate the model is, if the underwriter doesn't want to use it. And if the claims adjuster doesn't want to use it and if the auditor doesn't want to use it." "The biggest resistance to change is not the hassle. The biggest resistance to change is the emotions." "People are very reluctant to use AI because they feel that they are training their own replacement." "The skill of the future is not the initial generation. It's the editing and evaluating of that product." Resources Guest: Disaster Avoidance Experts: https://disasteravoidanceexperts.com/ "The Psychology of AI Adoption at Work": https://press.georgetown.edu/Book/The-Psychology-of-AI-Adoption-at-Work Dr. Gleb Tsipursky on LinkedIn: https://www.linkedin.com/in/dr-gleb-tsipursky/ Host & Organization: Joshua R. Hollander on LinkedIn: https://www.linkedin.com/in/joshuarhollander/ Horton International (USA): https://www.horton-usa.com/ Insurtech Leadership Podcast (LinkedIn Showcase): https://www.linkedin.com/showcase/insurtech-leadership-show Subscribe & Review If you enjoyed this episode, subscribe on your favorite platform and leave a review. The Insurtech Leadership Podcast is available on YouTube, Podbean, Apple Podcasts, and Spotify.

Your brain is a master storyteller. The problem? It's also an unreliable narrator. We like to think our beliefs are built on facts, logic, and careful reasoning. But psychologist and author Owen Fitzpatrick argues that the process often works in reverse: we decide what feels true, then search for evidence that proves us right. This can reinforce limiting beliefs, fuel political polarization, and make us surprisingly susceptible to propaganda. In this conversation with guest host Michael Kovnat, Owen explores how these narratives shape our confidence, identity, and decisions — and what it takes to change them.

Zane Keller, CEO of Ducere Wealth Management, is driven to Lead, Guide, & Educate clients and employees by helping them solve meaningful problems and achieve their goals. Through personalized financial guidance and a culture of empowerment, Zane supports clients with complex financial needs while giving employees the tools, trust, and opportunities they need to grow professionally. In this conversation, Zane introduces The Turn the Ship Around Framework—Delegate Decisions to the Source of Information, Put the Right People in the Right Seats, and Remove Friction That Impedes Performance. He explains why informed employees should have the authority to make decisions, how leaders can remove barriers instead of controlling daily operations, and why culture must remain a priority as a company scales. Zane also discusses macro patience and micro speed, creating opportunities for employee ownership, encouraging intrapreneurship, and helping multigenerational families coordinate their investments, tax planning, estate planning, and financial legacies. — Lead, Guide, & Educate with Zane Keller  Good day. Steve Preda here with the Management Blueprint Podcast, and my guest today is Zane Keller, CEO of Ducere Wealth Management, with a vision to be the leading provider of tech-driven, tax-optimized wealth management services for clients through their advisory support, that every client’s assets, time, and relationships are prioritized. Zane, welcome to the show.  Thanks, Steve. Appreciate you having me.  So, Zane, before we jump in and talk about Ducere Wealth, I’m very curious about your personal why, and how are you manifesting it in the company through the company’s business?  Sure. Well, early on, I knew I liked—one of my biggest passions was helping people solve problems. And one of the amazing things about being in the wealth management industry is you get to help people solve a lot of problems that are personal for them, and that’s their finances. It tends to be a personal subject for them, and allowing them guidance, support, understanding, and being a listening ear is what I find to be extremely rewarding in the business we have. But starting a company and having a team, and building that team, and building all the infrastructure and support and all of that, to me, the employees are as much clients as our clients are clients.  And so it’s an interesting position that I’m in, where it’s a dual role of both looking at it from a standpoint of how do we help our clients with the day-to-day or yearly challenges they face, but also how do I make sure that our employees are empowered to deliver the right client service and feel that they can continue to grow and expand in their careers. So I just like helping people, and I get to do it every day.Share on X  Yeah. Okay. That’s great. So when you talk about solving problems, obviously finance is a mirror for all an individual’s life aspirations, problems, challenges, opportunities, all that stuff. Your people are also humans, individuals, and they probably have similar challenges, so that’s a really neat mosaic there. So what is most challenging in building a wealth management firm like that?  I think the most challenging thing is all of the decisions are on you. And when I talk to other business leaders, there isn’t a roadmap, there isn’t a manual in terms of how people build their businesses, build their teams, and a lot of it is a balance of both trusting your instinct and what your background and lessons have been, as well as trusting those that you have brought in to help build the enterprise.  I was fortunate that I get to work with my dad, who had gone through this venture before, and we’ve gotten a chance to partner together and build it from the ground up. We went from a year ago, I had to order two laptops on Amazon, get a URL from GoDaddy, and start from scratch. And, you know, a year later, we find ourselves with 14 employees, an office in Newport, an office in Las Vegas, $600 million in assets under management, and continuing to want to grow, and being fortunate that we have a tremendous client base who trusts us.  But we’ve been able to attract and retain top-quality employees and team members who we rely on every day to continue building out the vision.  Well, I mean, building $600 million in assets under management in a year in a business like wealth management sounds almost like an impossible goal. Did you have a portfolio that you kind of imported into this business, or was that completely from scratch?  No. We had clients that we had worked with previously. We had left a big bank.  Okay.  And so some of those clients came over with us, but a lot of it was growing organically through COIs, through other marketing efforts, and bringing on other advisors who wanted to leverage our platform to provide a better service for their clients.  That’s fantastic. So how does one start a wealth management business? It sounds like one of the hardest businesses to start because it’s a trust-based business, from what I see, and it’s a very slow-burn kind of business. How do you actually grow a business like that?  Well, I think first is, in our industry, what’s interesting is there’s a lot of different business types. You have the wirehouses, the broker-dealers. There are people that are very successful just being anchored to a Wells Fargo or a J.P. Morgan or Merrill Lynch and building within that. Then you have folks who have gone to the roll-ups. Private equity has become pretty involved in our industry—a lot of roll-ups, a lot of consolidation.  Their value proposition is defined platforms that you can just plug in. And then you have what I consider the true independents, ourselves included, where we had a vision of we didn’t want to be held back or bogged down by two areas. One, as things get larger and larger and larger, the wheels turn slower and slower. And I think we're in a unique area from a business evolution cycle that leveraging AI, leveraging the technology, being able to make decisions quickly is going to be a substantial differentiator over the next several years.Share on X  And we didn’t want to have the conflicts that inherently come when you are backed by investors, and the focus is how do you maximize revenue, even if it may be at the expense of clients or at the expense of employees or at the expense of growth that you don’t see the return on investment for several years. So we decided that we were going to do it from scratch. Luckily, I had a background in—at the previous firm, I had helped build out all of the tech stack.  I’d worn almost every hat you can have at an RIA, and I had the experience from my father having gone through this, that between the two of us, there was enough goodwill or brand equity to build it out. But the other thing that we decided to do is there’s a reason it’s not called Keller Wealth or Keller Investments. The goal was never to have it be about ourselves. It was about creating a brand and a vision where others feel like they can be a part of.  357: Lead, Guide, & Educate with Zane KellerShare on X So as we brought on employees, I’ve challenged them that they have a responsibility to make an impact on the organization, and we start with culture. People have to be a culture fit first. We will not sacrifice culture for all the money on God’s green earth because I can confidently say that I don’t know how much business or revenue we’re missing out on if the team is not functioning at the highest level possible. So the first and foremost is a cultural fit. Then we look at the skills, the competencies, the ability to grow. But for us, culture is number one.  Yeah, love it. So what does it take to grow a wealth management firm? What drives growth in your business?  I think it takes three kind of main pieces. One is understanding that there’s a term GaryVee uses called “macro patience, micro speed.” And what we had set out initially is I knew that there were several steps between SEC registration, getting relationships with a custodian, getting relationships with tech vendors, finding office space, all of that that needs to be done just from a basic business foundation standpoint. What I needed to do, when we needed to do it, and logging every week.  I actually would send emails to myself and my dad for the first two months before we had employees of everything that got done the previous week, and what we needed to get done the next week, and what our blockers were if things couldn’t get done. Then that kind of grew into, as we had employees, becoming a consistent weekly check-in as we were heading towards what I consider our launch date, which was July 28th, because that’s when we actually received SEC approval.  So the first two months was just building the architecture, building up where we’re going to work, what we’re going to work with, all of those decisions being put in place. I’m fortunate enough that I’ve been involved with a lot of different companies in the industry over the years. So I had people who had done this before, people who had worked with large RIAs, small RIAs, and everything in between to lean on as advisors.  I think one of the things that I was more than surprised by was the amount of outpouring of support. “I’m happy to help you. What do you need? What can we do to make you successful? I know someone that I can connect you to.” And I think that's kind of the unique thing about our industry, is that there is a lot of camaraderie and willingness to help each other, even if you may be competitors in some aspects.Share on X  That’s interesting. So when you say “macro patience, micro speed,” what do you mean by that exactly?  So our goal is to get to a billion or more in AUM. And while I’d love to do that overnight, it takes time, both from bringing in clients, market performance. I’d love everything to be fully integrated from an AI standpoint, but again, those things take time. So a lot of the times, I think leaders have an issue with wanting to get to the destination as quickly as possible and not thinking through all the steps they need to get there.  So each step along the way, or what I consider the day-to-day, I try to get as much done in the hours that I have during the day, and that’s where the speed lies. And eventually that compounds, just like investing, into where we want to go from an overall firm standpoint. But me saying, “I just want to be at a billion dollars,” that’s great. But you’re going to say, “Well, what are you doing every day to get there?” I can go, “Well, I’ve had this many prospect meetings.  I’ve had this many client meetings. We’ve reviewed this much market information. We’ve decided to put money towards these investments.” It’s the day-to-day decision-making and being quick in doing that that I think is imperative for us to get to where our goal is going to be.  Okay. So this is a podcast called Management Blueprint, and it’s a podcast of frameworks. We are 350-plus episodes in, and every episode is a different framework. So I wonder, what’s a framework that you have come across, or maybe your did or you guys refined it, invented it, or improved it, that helps you build this business, that helps you do something more effectively, maybe getting new clients, maybe building your team members or training them, maybe getting the word out, whatever part of business it is that can be explained in three to five steps?  Sure. So there’s a book called Turn the Ship Around! by David Marquet, and that, from a leadership standpoint, is the mentality that I have taken since day one. To boil it down into one sentence, it’s this: The people with the information make the decisions. And so if the team is coming to me all the time for every possible decision in order to move this business along, there’s no way that we’re going to grow at the rate or grow, arguably, period, the way that we want to succeed.  So when I sit down with the team, one, the first question needs to be, if you’re running an enterprise like this, do you have the right people in the positions they’re at? Do they have the competencies, the understanding, and the cooperation with others to effectively make decisions in their role? And then the second thing that I spend the majority of my time on is, are there things inhibiting them from doing their role? So things such as, do they not know what their budget is? Do they not know who the decision-makers on the other end are? Do they not know that they are responsible or allowed to make those decisions?  So my goal is to make sure that they understand that if they have the information and we have built what the, I guess, framework or the bumpers are in bowling, that it's their decision to make and to inform me why they made the decisionShare on X not for them to come to me and say, “Do we do A or do we do B?” When we have a team, the expectation is there’s a lot of moving pieces. To your point earlier, it’s a lot to run an RIA. It’s a lot to run a wealth management firm.  There’s several things happening all at once, several things that are intertwined, and you can’t have one person that is reasonable as you grow in scale to be aware or understanding of the pros and cons of every decision. So we’ve brought people on. We have a full investment team. They are responsible for making the investment decisions. I listen in, but I’m not doing the due diligence. I’m not meeting with the managers. I’m not doing all of that. We have folks that are responsible from an operations side, making sure things day-to-day happen. I’m not the one making the decisions on that.  But if they come to me and say, “Hey, this is becoming difficult,” or, “We can’t get ahold of so-and-so,” then I step in. But the whole point of it is making sure that they feel empowered. The people with the information make the decisions. You get the right people in place, you should have, from a leadership standpoint, very few decisions you have to make on a day-to-day basis.Share on X Yeah, that’s great. So basically, you share your contextual understanding of your business with the people who work for you so that they can connect the dots as well, make decisions, and you can focus on the strategic part of the business. What do you and your dad focus on?  Yeah. I’d say it’s two parts. One is focusing on the more complex client issues, as we have multi-generational, multi-family clients, and also where we want the business to go. And it’s not one-dimensional. It’s bringing on more clients, plus bringing on additional advisors, plus looking at things from a national standpoint. After COVID, Zoom has become very useful, and people have become comfortable with having what I consider tele-wealth.  So their advisor may be in a different state, and they’re completely comfortable with that. And so it’s pursuing all of these various growth avenues because the day-to-day is being taken care of. So my focus is just that. It’s focusing on strategy. Where does the next $600 million come from? What about the $600 million after that? And how do we continue to grow in a manner where we don’t sacrifice some of the things that make us unique? As an example, our team constantly talks, interacts all day long, not just on “This is the work that needs to be done,” but people genuinely like working together.  I don’t have a strict in-office policy. The entire team’s here five days a week. I’ve not asked them to do that. I’ve not said they need to do that, but they genuinely enjoy working here. So when we open up a second office, how do we keep that kind of consistency? When we open up a third office or fourth? It's those kinds of areas that I think I spend a lot of my time trying to figure out and see how we grow without sacrificing some of the core values that we have.Share on X  Yeah. So what are your core values?  Probably three big ones. One is, I don’t know if I’m allowed to say it on the podcast here, but we have a no-assh*le policy. You have to be a genuinely good person to work here. You have to genuinely care about other people, and that is the first test. Two, we want, just like the firm grows, we expect the team to grow personally and professionally.  So if you’re going to be here when we do a review, I’m going to ask you: How are you better at contributing to the organization, to your team, and to your coworkers than you were a year ago, and what do you expect to do better a year from now? And then the third thing is: How are you defending our culture? We may have new people come in. What are you doing to set the tone as to how we work here at Ducere? Because, as I mentioned earlier, it’s not just about me and my dad. It’s about the collective organization, each individual playing their part to enhance and protect our culture.  Yeah. So it’s very clear that you talk about culture repeatedly. It sounds like it’s a really big part of your identity and how you want to build this firm.  Absolutely.  So what’s one thing that you’re actively trying to figure out in this business right now?  I think one of the big things is: How do we effectively bring on an advisor where we understand they have a book of business, and we understand they have a certain way of doing things, integrating them into our platform, but allowing them to operate with their own unique style. One of the challenges with scale is sometimes you scale and you give up originality or a unique way that, Steve, you may do something, then I do it a little differently, but it ultimately gets the same goal.  And really looking at what are the goals or deliverables that an advisor wants to bring to their clients, and can we allow them flexibility to get there in their own way? And I’ll give you a good example. So what we do from an asset management standpoint is we have what I call an open architecture. So for any given portfolio, there can be a number of combinations and permutations that give you a similar risk profile or result, and we leave that up, if the advisor wants to, for them to decide what that makeup looks like, as long as it’s within the parameters that we’ve set from a risk standpoint.  So as an example, Steve, you say, “I’m aggressive,” and I go, “Great. I’m not going to put you in one stock if you’re retired. That’s too aggressive.” But we do have several things that are approved on the platform, and we do continuous due diligence where we can say, “Steve, here’s two or three options. Which best serves your client? Which is going to be something that your client understands and feels comfortable with?” So that’s one area that we’ve really been trying to focus on and figure out how we express that differentiator in a way that it actually resonates with those advisors.  Yeah. That’s great. So basically, you want to build an organization where people can stay entrepreneurial. They don’t have to just live in a box that is given to them. So you capture more creativity and more personality in your business so that you can grow in a more nimble way. Is this what you’re trying to do here?  Yeah. I think the official term they’ve called it is intrapreneurship instead of entrepreneurship. But yes, the goal is: How do we get the team to come and say, “Hey, I think we have this issue, and here’s the solution I want to have, and it’s a little different than what we do, but I think there’s a way to make it happen”? And again, the people with the information make the decisions. How do I remove as many blockers as possible so they can continue to pursue that avenue? But the big thing is, some folks sometimes get sidetracked.  They go down rabbit holes or they veer off on projects that may not be going towards what our goal is, right? Growing, adding more revenue, adding more clients. And so as long as there’s a tieback to what our goals are as a firm, then we’re all for empowering them to be able to pursue those passions.  How do you maintain that structure in a family-started business? That can be a tricky one. People might feel that there’s a glass ceiling or they’re always going to stay an outsider. How do you resolve this tension?  That’s a great question, and it’s something that verbally hasn’t come up to me, but I can certainly see people’s perspective on it. And so my dad and I tend to be pretty transparent as to what's going on, what we're dealing with, getting feedback from the team.Share on X And while this is a 40-plus-year venture for me, for my dad, it’s probably about another 10-year venture for him.  And so we’ve stated that our goal is to get to the point where we can be 100% employee-owned, but we can have multiple employees who are owners of the firm. I’m a strong believer in giving people the opportunity to earn their equity. And if we do get to the point where we sell the organization one day, I want to brag about how many millionaires I created.  I don’t think anyone will ever care how many millions someone makes for themselves. And so we’ve, from day one, been very vocal and communicative to the team that the expectation is that as many of the employees as it makes sense, and that they’ve earned it, can earn equity. We plan on doing that, but it’s probably not going to be until about year three where we actually start putting that together from a formal standpoint.  Yeah. That’s fascinating. So who is an ideal client for you? So if someone is listening to this and they think, “Ah, maybe I should talk to Ducere,” how do they know whether they are in the sweet spot of what you’re looking for and who you can serve the most?  Sure. Well, our best clients are ones that tend to be multi-generational, so they’re families that are looking to pass on the management of the wealth from maybe the matriarch or the patriarch to the next generation, and they have more complex investments, partnerships, family limited partnerships. They have an interest in private or alternative investments, and they’re looking for someone to help with that transition and possibly help with the next generational transition, and a partnership that’s another 20 to 30 years.  So folks that are qualified investors that tend to have complex tax and estate needs and really want someone who’s a quarterback between all the other professionals that they work with—CPAs, attorneys, et cetera—that’s who our ideal client is. There are firms out there that offer everything in-house, right? We do your taxes, we do everything. And the analogy I like to use with clients is that’s like going to a buffet. Buffets, for some people, are great, but I’ve never had my greatest meal at a buffet.  Usually, it’s fine dining, where it’s a specific niche that they are looking to serve. And so if they’re happy with the other professionals that they work with, our job is to fill in that gap to make sure that things get coordinated, they get an understanding of what their financial picture is, it’s clear-cut as to how to get to those goals. And I think the biggest and most successful clients we’ve had are ones who want to learn. They want to be educated clients. They want to be educated investors. And so those are the type of clients that would be ideal: multi-generational, complex financial needs from a tax, estate planning, and private investment standpoint.  They’re also looking to work with a firm that may not have some of the conflicts that the Merrill Lynches and Wells Fargos, who may sell you their own proprietary products, because we don’t make any commission. We’re fee-only. Or some of the PE firms who are looking to figure out how to maximize profit off each client. And that’s not the way that we look at it either.  Yeah, I think a lot of people are waking up to the idea that if the owners are super profit-oriented, then it means someone will have to pay the bill. And if there’s a huge imbalance between the motivations of the company and the individuals, then it can create tensions down the road. When I look for home services, I always look for, okay, which company is the one that maybe is a locally owned one, genuinely locally owned with real people that I can talk to and who I can trust, rather than a faceless institution that essentially dictates the policies that may not always be in my interest.  So I appreciate the independence. So if the listeners would like to learn more and figure out whether they have enough complexity or whether you are the right fit for them, where can they find out more, and how can they connect with you?  Sure. We have our website, ducerewealth.com. We’re actually, for our one-year anniversary in about two weeks, revamping it, and so there’s going to be a lot of resources for all the various niche types of clients that we work with, and there are several forms out there. You can contact me, zane@ducerewealth.com. I’m a principal, but I talk to our prospects and clients, and we just want to do what’s best for the client. So, ducerewealth.com, and we welcome any and all of those interested.  Okay. So if you have complex financial needs, or you just want to think about your legacy and transition maybe to the next generation and how to maximize your wealth, check out Ducere Wealth Management and reach out to Zane Keller on LinkedIn. And if you enjoyed the show, then make sure you follow us on YouTube, give us a review on Apple Podcasts, and stay tuned because every week we have a couple of exciting entrepreneurial leaders who come to the show and share their most secret frameworks. So Zane, thanks for coming, and thanks for listening.  Thank you, Steve. I appreciate it. Important Links: Zane's LinkedIn: Zane's website: Zane's email: zane@ducerewealth.com

We've had many bracing thinkers on this show, but Sara Walker might take the cake. A physicist and astrobiologist at Arizona State University, her book Life as No One Knows It: The Physics of Life's Emergence is a thrilling exploration of life's origins and the search for it across the cosmos. This episode first aired in December 2024.

Dr. Fei-Fei Li, PhD, is a professor of computer science at Stanford University and a pioneer and expert in artificial intelligence (AI). We discuss how AI can be used safely and effectively to extend human capabilities – not just to search for information but specifically to increase human intelligence and creativity. We also discuss how humans collaborating with AI and robots stand to positively transform human health and one's experience of life. And we cover what makes AI fundamentally different from human cognition, and why your intuition and unique experiences are not replicable by AI or machines. Both AI enthusiasts and skeptics are sure to benefit from the information and tools Dr. Fei-Fei Li shares in this episode. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman David: https://davidprotein.com/huberman Lingo: https://hellolingo.com/huberman LMNT: https://drinklmnt.com/huberman Wealthfront*: https://wealthfront.com/huberman Timestamps (00:00:00) Fei-Fei Li (00:03:46) Vision & Intelligence; Human Vision & Contribution to AI (00:12:11) Computer Vision & the AI Revolution (00:18:34) Sponsors: Lingo & Wealthfront (00:21:19) Speech, Sound & AI Development (00:23:36) AI & Contextual Learning, Human Intelligence (00:33:43) Current AI Gaps, Emotion & Creativity (00:45:48) Computers Enhancing Humanity; Tool: Personal Agency & Learning about AI (00:53:04) Sponsors: AG1 & LMNT (00:55:37) Public Discourse about AI (00:57:34) AI to Enhance Scientific Discovery & Healthcare; Human Collaboration (01:07:38) Intuition, Motivation & Human States Beyond AI (01:19:18) Sponsor: David (01:20:37) Social & Ethical Considerations for AI (01:27:38) Kids, Development & AI Tools; Tool: Prompt AI Effectively (01:35:04) Next Frontier for Robotics & AI; Human Agency (01:43:52) Human-Centered AI Future (01:50:10) World Labs, Spatial Intelligence (01:54:12) Concerns about AI & Creativity; Movies, Art, Storytelling (01:59:51) Younger Generation & AI, Teachers (02:05:38) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter *This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. Andrew Huberman receives cash compensation from Wealthfront Brokerage for paid testimonials in his podcast, creating a conflict of interest. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC. Wealthfront Brokerage is not a bank. The base APY is 3.30% on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimum. If eligible for the overall boosted rate of 4.05% offered in connection with this promo, your boosted rate is also subject to change if the base rate decreases during the 3 month promo period. Additional terms and conditions apply, which can be found on Wealthfront.com/Huberman. Funds in the Cash Account are swept to program banks, where it earns the variable APY. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Securities investments: not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices

We've optimized nearly every part of modern life. So why does it feel like we're missing the experience of actually living it? In The Small Stuff, Ian Bogost argues that our obsession with happiness, productivity, and efficiency has stripped everyday life of something essential: gratification, the immediate pleasure of physically engaging with the world around us. Today, he makes the case for rediscovering the sensory delights hiding in the life you already lead.

Jay Abbasi was the guest on this episode of Success Profiles Radio. He is a global speaker, TEDx speaker, coach, and former Tesla leader who empowers leaders and teams to thrive under pressure while protecting their energy and well-being. He led national training programs for over 1,000 employees at Tesla and also worked with professionals at Google, Amazon, TikTok, Wells Fargo, and more. We discussed what it was like working at Tesla, how losing his dad changed the trajectory of his career, building culture and high performing teams, and his formula for managing your energy to avoid burnout. In addition, we talked about what pressure can teach us about ourselves, why resilience can be hard, how to navigate through difficult challenges, and the difference between pushing through adversity and adapting to it. Finally, we discussed how elite leaders operate at their peak, why being liked isn't important to high-level leaders, creating our best day, his journey to the TEDx stage, and making decisions quickly. You can listen and follow the show on Apple Podcasts/iTunes, Spotify, Audible, Amazon, iHeart Radio, and at https://toginet.com/shows/successprofilesradio/ Please leave a 5-star review on iTunes and 5 stars on Spotify. To learn more about Jay, go to https://jayabbasi.me

We live in a world that worships talent, a world that cheers natural athletes, exalts child prodigies, and venerates virtuosos. But admiring people who are blessed with innate abilities can lead us to underestimate the range of skills that we can learn and how good we can become. As Adam Grant explains in his new book, “Hidden Potential,” growth is not about the genius you possess — it's about the character you develop. Adam joins us today to talk about developing the character skills, motivational tools, and learning systems that can help ordinary people achieve extraordinary things. This episode first aired in October 2023.

Plus: Wells Fargo plans to roll out tokenized deposit service for corporate clients. And Anduril considers shipyard investment to build drone boats. Imani Moise hosts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We've spent the last few years watching AI transform the digital world. Now it's coming for the physical one. Humanoid robots are leaving the lab and entering homes, factories, and workplaces. But are we witnessing another ChatGPT moment, or are these machines still years away from becoming truly useful? Journalist Stephen Witt has spent months inside the world's leading robotics companies to find out, and what he discovered surprised him. Check out Stephen's article "Are Humanoid Robots Ready to Be Deployed?" and his previous appearance on this show. ***

Getting paid to eat at restaurants, tour apartments, and run your car through the wash 20 times in an afternoon? That's mystery shopping — a $2 billion industry most people have never heard of. Mercedes Eckert has been doing it for 13 years and has helped over 25,000 shoppers get started through her company, iShopAGP.com. Her personal best: $600 in a single day without getting out of the car.  She also runs ShopQuest, a free site where you can browse mystery shopper jobs in your city. Tune into Episode 752 of the Side Hustle Show to learn: how mystery shoppers actually get paid how to stack jobs together into a $600 day the common scams to watch out for Full Show Notes: $500/week as a Mystery Shopper New to the Show? Get your personalized money-making playlist ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quo (formerly OpenPhone)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 20% off of your first 6 months! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Shopify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Sign up for a $1 per month trial! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Gusto⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 3 months free of the leading payroll, benefits, and HR provider for modern small businesses! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealthfront⁠⁠⁠⁠⁠ — Start earning up to 4.30% variable APY today! Terms and conditions apply. ⁠⁠⁠⁠⁠Monarch⁠⁠⁠⁠⁠ — Get an extended 30-day free trial! About The Side Hustle Show This is the entrepreneurship podcast you can actually apply! The award-winning small business show covers the best side hustles and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠side hustle ideas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We share how to start a business and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠make money online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and offline, including online business, side gigs, freelancing, marketing, sales funnels, investing, and much more. Join 100,000+ listeners and get legit business ideas and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠passive income⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ strategies straight to your earbuds. No BS, just actionable tips on how to start and grow your side hustle. Hosted by Nick Loper of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Side Hustle Nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Wealthfront Disclaimer This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. Nicholas Loper and Side Hustle Show podcast (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠⁠⁠⁠wealthfront.com/promo-terms⁠⁠⁠⁠⁠. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC.  Wealthfront Brokerage is not a bank. The base APY is 3.30% on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimum. Funds in the Cash Account are swept to program banks, where it earns the variable APY. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser.

Do you ever feel like you've reached an age where you're supposed to have your entire life figured out? In this episode, I sit down with jewelry designer Ann Chikahisa to talk about reinventing yourself at ANY age and becoming more of who you actually are. Ann shares how an unexpected divorce after 22 years of marriage led her to rediscover herself and create meaningful talismans for hope and healing. We also talk about breaking the rules around aging and personal style, embracing imperfection, and getting comfortable being uncomfortable. Get ready to trust who you're becoming and remember there's no expiration date on becoming the woman you want to be. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Zazzle - Save 25% on your first order today at http://Zazzle.com with code EARN. Monarch Money -  Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Wealthfront - Join the million-plus people already building long-term wealth with confidence by heading to wealthfront.com/earn. Indeed - Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Momentous - If you want to try Momentous Signature Spec Creatine, head to livemomentous.com and use code EARN for up to 35% off your entire first order. HIGHLIGHTS 00:00 How to give yourself permission to become the woman you want to be. 03:00 Why wearing what makes you feel powerful can completely change how you show up. 06:30 Ann's styling secret for making the simplest outfit feel extraordinary. 10:00 Why reconnecting with your creativity can lead you to a completely new career path. 15:30 What is a talisman and how can it help you hold an intention? 22:30 The ritual Ann uses to embody strength before doing something that scares her. 27:00 What Wabi Sabi can teach you about embracing imperfection. 29:45 The 3 things Ann wishes she could give her younger self. 31:15 The intentions that helped Ann rebuild her identity after divorce. 35:00 How to stay grounded and flexible when you're navigating a major life transition. 37:00 How to turn an intention or feeling into something that reminds you who you want to be. 41:45 Where to find your best ideas when you need more creativity. 43:00 Why reinvention has no age and your best years can still be ahead of you. 47:30 The mindset that helps you keep growing even when it feels uncomfortable.  RESOURCES Get $25 off your Ann Chikahisa jewelry purchase with code MEANING at checkout HERE! Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow glōci: @getgloci Follow Ann: @chikahisastudio Earn up to 4.30% APY with Wealthfront's high-yield cash account for a limited time: https://wealthfront.com/earnThis experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The host of Earn Your Happy podcast, Lori Harder (“Media Partner”), is not a client of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY.Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Fees & Eligibility requirements may apply to certain checking features. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Product images are for illustrative purposes and do not reflect individual experiences, account balances, or performance.