Podcasts about whole life

YOU HAVE BECOME A MIGHTY VESSEL.https://www.curlynikki.com/daily-devotional-a-life-of-hallelujah.html

Almost every high performer we work with has spent years making career decisions without ever stopping to ask what kind of life those decisions were building toward. Not because they didn't care about their life outside work, but because their career had its own momentum. Each next step made sense. Each promotion was a logical move. And somewhere along the way, the career started making the life decisions instead of the other way around. In Day 4 of the What Fits You 8-Day Mini Course, you'll work through the five areas of your life your career is either supporting or working against, using the same framework our team walks clients through to build their Ideal Career Profile. Fit isn't just about the work. It's about the whole picture. What you'll learn: Why career decisions made on autopilot end up shaping every other area of your life The 5 categories most high performers have let their career make decisions about by default: Environment, Financial, Family/Social, Personal Development/Growth, and Physical Health What specific questions to ask in each area to surface what you actually want versus what you've been making peace with Why income becomes both the reason to stay somewhere that doesn't fit and the thing that makes every other area harder to prioritize How the Ideal Career Profile becomes the foundation for evaluating real opportunities in the next stage of the course       Our book, Happen To Your Career: An Unconventional Approach To Career Change and Meaningful Work, is now available on audiobook! Visit  happentoyourcareer.com/audible to order it now! Visit happentoyourcareer.com/book for more information or buy the print or ebook here! Want to chat with our team about your unique situation? Schedule a conversation   Free Resources What career fits you? Join our free 8 Day Mini Course to figure it out! Career Change Guide - Learn how high-performers discover their ideal career and find meaningful, well-paid work without starting over.   Related Episodes Designing Career Experiments and Testing New Careers (Spotify / Apple Podcasts) Six Career Experiments To Help You Discover Your Ideal New Role (Spotify / Apple Podcasts)   Mentioned Episode: What Fits You - Introduction (Spotify / Apple Podcasts) What Fits You - Day 1 (Spotify / Apple Podcasts) What Fits You - Day 2 (Spotify / Apple Podcasts) What Fits You - Day 3 (Spotify / Apple Podcasts)

Most people misunderstand whole life insurance because they look at it as a product instead of a system. In this Practical Wealth Study Group, Curtis May breaks down the Four Stages of Whole Life Insurance, also known inside the Money4Life Blueprint as the Private Reserve Strategy. This is not about chasing rates of return. This is about control, liquidity, certainty, and building a personal economy where your money keeps working inside your system instead of constantly leaving to banks, lenders, credit cards, and financial institutions. Curtis walks through the Money4Life Framework: Earn it. Bank it. Borrow it. Spend it. Repay it. Repeat. You'll learn how whole life insurance can function as a foundational asset, why premium should be viewed as a capital flow instead of an expense, and how families and business owners can begin using their policies to recapture debt, build liquidity, and eventually finance opportunities. This conversation covers: Why whole life insurance is not an investment account The economic value of certainty The crisis of financial control Why liquidity matters more than rate of return How to calculate your burn rate Why you must capitalize before you invest The difference between being a saver, wealth builder, business banker, and infinite banker How to stop giving interest away to strangers Why banking is a process of becoming, not a product you buy The goal is not just to own a policy. The goal is to become the banker. Visit PracticalWealth.net to take the Financial Freedom Assessment and learn more about the Money4Life Blueprint. 00:00 – Welcome to Practical Wealth Study Group 00:19 – The Four Stages of Whole Life and IBC 01:00 – Whole Life Is Not an Investment Account 01:45 – The Economic Value of Certainty 02:30 – Whole Life as a Foundational Asset 03:10 – The Money4Life Framework: Earn It, Bank It, Borrow It 04:20 – Why Banking Means Control of Capital 05:30 – The Crisis of Control 06:15 – Stop Giving Away the Banking Function  07:00 – The Maturity Matrix: Where Do You Stand? 08:00 – Stage 1: The Saver 09:20 – You Can't Invest Until You Capitalize 10:30 – Contract Wealth vs. Statement Wealth  11:45 – Stage 2: The Wealth Builder 12:45 – Premium Is Not an Expense 13:45 – Freedom From Debt to Others 14:40 – Your Burn Rate and Liquidity Number 15:50 – Debt-to-Capital: Bringing Debt In-House 17:00 – The Difference Between Chaos and Opportunity  18:00 – Stage 3: The Business Banker 19:00 – Money as Inventory  20:00 – Financing Opportunities Through Your System  21:00 – Stage 4: The Infinite Banker 22:00 – Closing the Financial Loop  23:00 – Banking Is Not a Product 23:30 – Immediate Action Plan

CFP Daniel Flanscha is a financial expert of 40 years who's taking on the claims of The Money Guy Show against infinite banking and whole life insurance. Watch the Interview on Youtube for Visuals - https://youtu.be/5iJ-iQhpcXgWatch The 10 Part Course Here: https://bttr.ly/academic-case Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityLearn More About BetterWealth: https://betterwealth.com In this response video to the Money Guy Show, Daniel Flanscha and Caleb Guilliams walk through 9 points from the Money Guy Show on infinite banking, carefully dismantling what they get wrong or misunderstand about whole life insurance. Chapters: 03:37 - Reaction To the Money Guy Show 07:19 - Point 1: Investment vs. Insurance Silos 09:13 - Point 2: Fees and Commissions 11:22 - Point 3: Misunderstanding Whole Life vs. Universal Life 14:30 - Point 4: Buy Term and Invest The Difference 18:13 - Point 5: The Cost Difference: Term vs. Whole Life 22:34 - Point 6: Permanent Life Insurance and Insurance Products Can Improve Income 27:28 - Point 7: Infinite Banking Makes It Worse 32:06 - Point 8: Deep Dive Into ROR Assumptions 35:17 - Point 9: Code of Competency 36:57 - Recommended Resources and Closing DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Financial Assessment (Meet with an experienced professional):https://bit.ly/PureAssessmentFree Financial Resources in This Episode: https://bit.ly/ymyw-585 (full show notes & episode transcript)Today on Your Money, Your Wealth® podcast number 585, Joe and Big Al spitball for folks who are already winning and thinking about getting fancy with it. Reno in Oregon is 50, and his pension is so big he's not sure how to invest or why he would need to convert to Roth. Michael is considering taking out a half-million-dollar margin loan to juice investment returns. What do the fellas think? Tune in for the surprising debate. Husker Fans just pocketed two million from selling their business here come the product pitches: should they buy annuities, set up a charitable trust, or just swallow the tax? What do the fellas think of whole life insurance? And finally, John and Lib on Waltons Mountain - or rather, the Catskills - aren't sure if they've saved too little or too much. Can they bridge the gap until their pension?Emotionless Investing Guide - free download:https://purefinancial.com/white-papers/emotionless-investing-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-emotionless-investing-guide&utm_content=ymyw-pod-ep585-description-whitepaperFinancial Blueprint - free, self-guided:https://purefinancial.com/financialblueprint/?utm_source=captivate&utm_medium=podcast&utm_campaign=financial-blueprint&utm_content=ymyw-pod-ep585-description-blueprintRetirement Rebound: 5 Plays to Help You Score a Comeback - YMYW TV:https://purefinancial.com/ymyw/episodes/retirement-rebound-5-plays-help-score-comeback/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep585-description-tv-s10e11REQUEST your Retirement Spitball Analysis:https://bit.ly/AskJoeAndAlDOWNLOAD more free guides:https://bit.ly/PureGuidesREAD financial blogs:https://bit.ly/PureFinBlogWATCH educational videos:https://bit.ly/PureEdVideosSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWNewsletterConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast00:58 - How Should a Pension-Rich 50-Year-Old Invest? Should They Even Bother with Roth Conversions? (Reno, OR)10:30 - Should I Borrow $500K in a Margin Loan to Invest? (Michael, VA)23:01 - We're Getting $2M From Selling the Business. Annuity, Charitable Trust, or Bite the Tax? What About Whole Life Insurance? (Husker Fans, Nebraska)34:14 - Can a Frugal Mountain Couple Bridge the Gap to a $60K Pension? (John & Lib, NY Catskills)41:13 - Outro: Next Week on the YMYW Podcast

(Gaia House)

(Gaia House)

(Gaia House)

Learn how you can turn your life insurance policy into a super Roth for retirement. Tom Love is a CEO and financial wealth expert with over 40 years of experience. He walks through the multiplicity of benefits life insurance can unlock not just for the top 1% but for business owners, entrepreneurs, W2, and retirees. We cover the tax advantages, risk mitigation, non-recourse loan benefits, as well as debunking some of the most common talking points against life insurance.Watch the Interview on Youtube for Visuals - https://youtu.be/NABjYZ3BggoConnect with Tom Love: https://www.linkedin.com/in/tom-love/The Breakaway League: https://www.linkedin.com/company/thebreakawayleague/Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Interview Teaser and Introduction to "Super Roths" and Life Insurance 01:54 - Communicating the "Why" and Selective Clientele 02:35 - Wealth Strategies Within the Tax Code 04:18 - Tax-Free Income vs. Tax-Exempt Cash Flow 06:05 - Hidden Debt of Retirement Accounts 09:55 - Mechanics of Non-Recourse Loans 11:40 - The 1990 GAO Report and Tax Exemption 15:52 - Breakaway League and Better Communication 21:11 - Problem with Collateralizing Retirement Plans 25:23 - Case Study: A Billionaire's Insurance Strategy 28:55 - Real-World IRS Audit Story 30:53 - Permanence of the Tax Code and Section 7702 33:13 - The Mount Everest Analogy for Financial Planning 38:43 - Practicality: Taking Loans in Real Life 41:40 - Whole Life vs. IUL and Mutual Companies 44:46 - Warren Buffett and the Life Settlement Market 47:35 - The Conflict of the Fiduciary Registration 50:39 - Debating PUA Riders and Policy Design 54:44 - The Cons and Risks of Life Insurance 57:22 - Collateral Capacity in Real EstateDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

***Save 15% on a virtual ticket to our 2026 Summer Institute (June 18-20, 2026) with coupon code PODCAST15. Code applicable to virtual ticket option only. Register now at https://ibcd.regfox.com/2026summerinstitute*** In this episode of the Hope + Help Podcast, host Christine Chappell interviews Cheryl Marshall about the topic of whole-life worship and her new book, All of Me: Pursuing a Life Wholly Devoted to God. Drawing from Scripture and personal experience, Cheryl explores overcoming distraction, discouragement, and spiritual dryness, while highlighting God's mercy as the foundation for lasting devotion. The conversation examines how Christians can pursue faithful worship in everyday life, grow through God's Word, and continue obeying God even when their feelings fluctuate. View the full show notes & links for this episode: ibcd.org/worship-cheryl-marshall The Hope + Help Podcast offers biblical conversations about life's challenging problems. The podcast accomplishes this by offering a mix of interviews with seasoned biblical counseling professionals and ministry leaders on a variety of topics. Hosted by Christine Chappell. To learn more about the show and to access helpful resources, visit ibcd.org/hopeandhelp. Connect with host Christine Chappell at https://christinemchappell.com. IBCD's Hope + Help Podcast is available on most podcast streaming platforms, so please don't keep the show a secret! If you know someone walking through a challenging season of life, please share the Hope + Help Podcast with them.

(Gaia House)

(Gaia House)

(Gaia House)

In helping our anxious children, it is important to understand the context in which they are growing up in and how that might contribute to their struggles. Stephanie Malia is an author, educator and social worker who has provided us with a guide to navigate the complexity of parenting in our current age. She  has just published her third book, How We Thrive: Caring for Kids and Ourselves in a Changing World. In this book, she explores the urgent need to protect human essentials, like sleep, play and connection-that modern life restricts or denies. She points out the modern era has been characterized by an accelerated rate of change in many domains that we are not equipped to metabolize. She identifies the dangerous "weather conditions" of modern life and after interviewing over a 100 experts for her book, how we can intentionally "Rehumanize" or get back to the essentials that help us thrive. She is talking about the foundation we need to strive for to help all children and especially our anxious ones.  Her previous books are Whole Child, Whole Life and Making It : What Today's Kids Need for Tomorrow's World For more information www.rehumaning.com

In The Way of the Ox, Dr. David Stine lays the groundwork for a transformative spiritual journey that calls readers to forego the fast-paced, hustle-driven mindset of modern culture in favor of a quieter, more powerful and purposeful strength: the way of the ox.The amazing musk ox embraces a life of hardship. In the Arctic Circle where they live in the wild, they choose to go into the blizzard instead of running for cover.Stine challenges the belief that an easy life is a fruitful one. Instead, he invites readers to embrace the steady and sometimes gritty path of obedience, endurance, and unwavering purpose.With pastoral insight and cultural clarity, Stine positions the musk ox as a symbol of divine resilience. He suggests five sacred keys to a bold redefinition of what it means to live a life of deep spiritual impact:Advancing in hopeAdvancing in faithAdvancing in relationshipsAdvancing in prayerAdvancing in passionLike the musk ox, Stine suggests, “we have been wired to overcome obstacles no matter how challenging they may seem. Since we are in Him and He is in us, we are overcomers.” The Way of the Ox Bruce T Davis David Stine Dr. David Stine is a visionary leader, strategist, and consultant dedicated to helping nonprofit organizations maximize their donor development programs and leadership potential. The president and founder of Advance Partners, he previously served as chief executive officer of Bethel Media for Bethel Church in Redding, California. Dr. Stine was the founding pastor of Metro Church in Washington, DC, where he spent over a decade growing the church to 6,000 members across three campuses. He holds a master's degree and doctorate in Practical Theology and Leadership. In addition to The Way of the Ox, he authored Hearing from God and The Whole Life. Dr. Stine and his wife, Taryn, reside in Austin, Texas, where they are raising their four children.FacebookInstagramWhitaker House

You are psychic. The question is whether you're tuning in.In this episode, we get practical about the subtle ways your intuition shows up in everyday life. From surprising coincidences to repeated signs to that deep gut knowing, we break down three unmistakable signals your intuition is already sending you, and how to tell the difference between fear and true psychic guidance.Learn more about Juan Francisco at juanfrancisco.co, or follow him at @thisjuanfrancisco on social media.

If you have ADHD and you got your diagnosis as an adult, odds are it felt like a spotlight switched on over your entire life and everything, every struggle, every pattern, every thing you couldn't explain about yourself is suddenly lit up.Afdhel Aziz has spent decades building an extraordinary creative life. Writer, filmmaker, keynote speaker, Forbes contributor. He even recorded an entire album in his living room last year. Through it all buildling a framework that made his career work without knowing it was an accommodation. All of it running on a neurodivergent brain he didn't have a name for yet. Then about a month and a half before this conversation, that changed.What you're about to hear is what happens when David and Isabelle get to sit with someone who is learning to understand their ADHD in the moment. Unpacking in real time what his brain has been doing all along, why the things that worked worked, why the things that didn't couldn't, and what it means to finally see yourself clearly after years of a blurry reflection. The epiphanies were still arriving while we were recording. You'll feel that.In this episode:What a late ADHD diagnosis feels like when you're already successfulThe Four P's framework (Purpose, Priorities, Process, People) and how Afdhel built it without knowing it was an accommodationWhy ADHD and anxiety create a loop that keeps you stuck, and what breaks itWhat happened when he told his team about his diagnosis and the instruction manual that changed how they work togetherHow his marriage shifted when he stopped trying to be good at things he wasn't good atAfdhel's self-forgiveness practice: "I forgive myself for judging myself for doing X"Accommodations plus Community equals Self-Esteem and why that equation is simpler and more powerful than it soundsWhy medication might not have to be the only path and what to do when it doesn't work for your brain-------Wait, What's That? Here are some of the terms and people mentioned in this episode explained:Inattentive ADHD One of the three presentations of ADHD, characterized primarily by difficulty sustaining attention, frequent distraction, and challenges with organization and follow-through rather than the hyperactivity most people associate with ADHD. Often goes undiagnosed longer, particularly in adults who have built workarounds without realizing it.The Four P's Afdhel's personal framework and accomodation for operating with an ADHD brain. Purpose (who you are and where you're going), Priorities (deciding what actually matters right now), Process (building systems so your brain only does the parts it's built for), and People (surrounding yourself with those who complement what you can't do alone). Learn more at afdhelaziz.com.Dave Flink Founder of the Neurodiversity Alliance, a nonprofit supporting neurodiverse students in high schools and colleges. His equation from this episode: Accommodations + Community = Self-EsteemMetacognition Thinking about your own thinking. In this episode it shows up as Afdhel's growing ability to observe his own thought patterns as they're happening and redirect before going down a rabbit hole.Saint Royale Afdhel's music project. He wrote, produced, and performed an entire album in his home studio in LA, available on Spotify.Good is the New Cool Afdhel's creative studio and book series built around purpose-driven storytelling. His most recent book, Good is the New Cool: Guide to Personal Purpose, explores how to find and build a life around your purpose. Find it here.Afdhel's Forbes Article Before this conversation happened, Afdhel wrote about Something Shiny: ADHD!. Read it here.-------

What if a childhood wound is still shaping the way you connect, ask for help, and move through life? In this episode, Michael and Sandy interpret Maggie's dream, "Being Chosen to Go to the Special Location." The dream begins with a powerful setup: Maggie has been chosen to go somewhere exclusive, special, and far away. It should create a feeling of being included, supported, and part of something meaningful. But that is not what happens. Instead, the dream reveals a painful emotional pattern: feeling disconnected from the group, feeling like others have an advantage, not asking direct questions, over-respecting boundaries, pulling inward, and feeling responsible even when nothing is her fault. As Michael breaks down the symbols — the funeral, Christmas, the hotel, the elevators, the bellhop, the little girl in the stroller, and the missing parents — the dream reveals the core wound: a young inner child who felt left alone. This episode shows how dreams identify the original wound behind lifelong patterns. It also shows why healing those wounds can completely change your default state — from isolation and self-protection to feeling included, supported, and chosen. If you have ever felt like you are on the outside looking in, this episode will help you understand why that pattern may exist — and how your dreams are already trying to help you heal it.   Chapters 00:00 — The Childhood Wound Your Dreams Are Trying to Heal  01:13 — Dream: Being Chosen for a Special Location  01:51 — Why the Dream Starts With Being Chosen  03:23 — What Funerals Mean in Dreams  05:38 — Feeling Outside the Group Even When You're Included  07:20 — Christmas, Spiritual Gifts, and Hands-On Healing  07:54 — How Dreams Reveal Whether the Wound Is Mom or Dad  09:51 — Over-Respecting Boundaries and Pulling Yourself Inward  10:57 — The Bubble That Keeps You Safe but Isolates You  12:48 — Black, Gold, Fear, and Healing Energy  14:17 — Elevators, Birth Symbols, and Going Back to Age Two  15:41 — The Move That Created the Feeling of Being Alone  16:44 — The Little Girl Left Behind in the Elevator  18:04 — Meeting the Inner Child Hidden in the Dream  19:11 — "I Did Nothing Wrong": The Child's Hidden Belief  20:09 — How One Wound Creates Many Life Patterns  21:44 — Why the Men in the Dream Don't Help  22:37 — Why Children Blame Themselves for Being Left Alone  23:52 — Sandy Shares Her Own Experience of Being Left Behind  25:39 — How Healing Changes Your Default State  26:19 — The Real Message: You Are Included, Supported, and Chosen  26:45 — Final Thoughts and Closing Get Our Free App with Dictionary & Journal iPhone: https://apps.apple.com/us/app/aisling-dreams/id6753309760  Android: https://play.google.com/store/apps/details?id=com.dream_analysis.aisling_dreams  Check out our courses https://www.dream-analysis.com/courses/ Talk to Sandy about our courses https://bookings.theaislingschool.com/sandy/got-questions

Rev. Dr. Evan Marbury, 1 Thessalonians 5:14-24

Modern life has become a gauntlet of "dangerous weather" that frequently strips away our most basic human needs.In this episode, Emily speaks with author and strategist Stephanie Malia Kraus about her book, How We Thrive, and the essential practice of "rehumaning." Stephanie breaks down the four systemic forces, from hustle culture to addictive tech, that undermine our well-being and offers a roadmap for reclaiming play, wonder, and rest. The discussion bridges the gap between ancient Hawaiian wayfinding and modern neuroscience, highlighting the critical importance of restorative "downstates" and simple regulation tools for navigating an increasingly overstimulated world.Listen and Learn:How the Hawaiian tradition of Wayfinding teaches us to navigate a world that has "shifted on its axis" by anchoring into timeless human essentials, and influenced Stephanie's bookWhy the friction you feel in parenting isn't a personal failure, but a biological mismatch between our human nature and modern society Recognizing the four universal forces: Overtapped, Overworked, Overstimulated, and Overwrought, and understanding why feeling depleted isn't a personal failure, but a natural response to the "stormy" conditions of modern living Why our modern "social jet lag", the mismatch between our hectic schedules and our biological needs, is fueling a youth mental health crisis, and how reclaiming "human essentials" like sleep, play, and internal attunement can act as a biological superpower for both parents and teens How the practices of celebrating small wins, contributing to others, and nurturing an inborn sense of belief act as biological shields that restore our dignity and spark a protective sense of hope even in the most difficult seasons of life How "lemon squeezes", a simple technique of tensing and releasing your muscles for 20 seconds, uses the science of progressive muscle relaxation to signal safety to your nervous system and bring your body back into balance in less than a minute Resources:How We Thrive: Caring for Kids and Ourselves in a Changing World https://bookshop.org/a/30734/9781071957561 https://rehumaningourlives.substack.com/https://www.rehumaning.com/Connect with Stephanie on Social Media: https://www.youtube.com/@StephanieMaliaKrausshttps://www.linkedin.com/in/stephaniemaliakrauss/https://www.instagram.com/stephaniemaliakrauss/ About Stephanie Malia KraussStephanie Malia Krauss is an author, speaker, and strategist focused on rehumaning childhood and our lives. Her newest book, How We Thrive, explores the urgent need to protect human essentials—like sleep, play, and connection—that modern life diminishes or denies. An educator and social worker who has worked from the classroom to Congress, Stephanie now advises states, districts, and national organizations on holistic approaches to preparing and caring for kids. Stephanie is the bestselling author of Whole Child, Whole Life: 10 Ways to Help Kids Live, Learn, and Thrive and Making It: What Today's Kids Need for Tomorrow's World. Her work has been featured by Newsweek, PBS NewsHour, Parents, and more.Related Episodes:455. The New Blueprint for Success with Ana Homayoun444. Mattering with Jennifer Wallace433. Rethinking Screens and Video Games with Ash Brandin424. Modern Anxiety with Noelle McWard Aquino414. The Disengaged Teen with Jenny Anderson and Rebecca Winthrop409. Raising Terrific Kids in Terrifying Times with Melinda Wenner Moyer324. Toxic Achievement Culture with Jennifer WallaceSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

When most people hear "dividend," their brain goes straight to stocks. That's understandable. And completely wrong when applied to whole life insurance. https://www.youtube.com/live/HPXaTnOOU4U That one assumption causes real problems. People chase companies with the highest declared dividend rate. They compare illustrations side by side and pick the bigger number. They make decisions based on a metric that, on its own, tells them almost nothing about how their policy will actually perform. This article gives you a clear picture of what whole life dividends actually are, what they're not, and what really determines whether your policy works for you over the long run. The conclusion is probably not what you'd expect: the most important factor isn't the dividend rate, the company, or even the policy design. It's your own behavior.For a deep dive into how dividends are calculated and the four biggest myths about dividend rates, see our earlier conversation with Perry Miller here. Table of ContentsKey TakeawaysWhat Whole Life Dividends Actually AreHow the Money Actually MovesNot Guaranteed, but Highly ProbableThe Coca-Cola AnalogyWhat Whole Life Dividends Are NotNot Stock DividendsNot a Simple Interest Rate on Your Cash ValueNot in Addition to the Guaranteed Interest RateHow Dividends Are Actually Allocated to Your PolicyThe Endowment RequirementWhy Younger Policyholders Get a Smaller ShareWhy Base Premium Gets Higher Crediting Than PUAsThe Direct vs. Non-Direct Recognition DistinctionWhy the Dividend Rate Is the Wrong Thing to CompareThe Factor That Matters More Than Any of This: Your Own BehaviorWhy Premium Consistency MattersWhy Loan Repayment Matters Just as MuchThe Bottom Line on BehaviorHow to Use Your Dividends StrategicallyStop Chasing the Rate. Start Building the SystemBook a Strategy CallFrequently Asked QuestionsWhat are whole life insurance dividends?Are whole life dividends guaranteed?How are whole life dividends different from stock dividends?Does a higher dividend rate mean a better whole life policy?What is the best way to use whole life dividends?What is direct vs. non-direct recognition in whole life insurance? Key Takeaways Dividends are return of excess premium. What happens between your payment and your dividend is capital management, not a refund. A 6% declared rate does not mean 6% cash value growth. Actual growth depends on Age, base-to-PUA ratio, and other policy design options. Loan activity can also affect results with direct recognition companies. The guaranteed interest rate is not separate but makes up part of the declared dividend. 2% guarantee plus 6% dividend does not equal 8%. Younger policyholders get less of the dividend pool. Older policyholders get more. Endowment math. Base premium gets higher crediting than PUAs because the company can count on it. Never compare direct and non-direct recognition illustrations without modeling loan activity in both. Your behavior matters more than the rate, the company, or the design. What Whole Life Dividends Actually Are For tax purposes, the IRS classifies whole life dividends as a return of excess premium. That label gets used against whole life all the time. "See? They're just giving your money back." It's not. If you paid $500,000 into a policy over twenty years and now you have $1.7 million in cash value, nobody just gave your money back. You have far more than you paid in. How the Money Actually Moves Insurance companies are extremely conservative in their projections. They overestimate mortality costs, overestimate expenses, and lowball what their investment portfolio will return. That's deliberate. It protects your money for the long run. The CIO deploys premiums into a portfolio that's roughly 75 to 85 percent fixed income: bonds, mortgage-backed securities, and some real estate. A small sliver sits in equities. The company pays death benefit claims, pays operating expenses, and sets aside money into reserves. Then the board declares how much of the remaining surplus goes back to policyholders. Three factors drive that surplus: investment performance against projections, operating expenses against budget, and actual mortality experience against actuarial estimates. Beat expectations on any of those, and policyholders share in it. Not Guaranteed, but Highly Probable Dividends sit outside the contractual promises; unlike the death benefit, the cash value growth, and the level premium, they're not guaranteed. But mutual companies have paid them consistently for over 100 years. Through recessions. World wars. The 2008 crisis. A decade of near-zero rates. They adjusted downward. They didn't vanish. The Coca-Cola Analogy Coca-Cola has excess profits because they charge more per can than they need to. That's how they fund dividends to shareholders. A mutual insurance company works the same way. It prices conservatively, manages capital, and returns the surplus. But here's the difference. As a policyholder of a mutual company, you're not just a customer. You're a part-owner. You participate in your company's profits. What Whole Life Dividends Are Not Not Stock Dividends Stock dividends are volatile, taxable in the year received, and are subject to cuts or elimination in a bad year based on economic factors that swing wildly.  Whole life dividends from mutual companies are non-taxable (classified as return of premium), built on actuarial science rather than market speculation, and backed by a stability track record that equity dividends simply can't match. Even during the financial crisis of 2008, when bond rates dropped and stayed down for over a decade, mutual companies adjusted their dividend rates. They didn't collapse. They didn't plummet to near zero. They adjusted. Not a Simple Interest Rate on Your Cash Value This is the misconception that causes the most confusion. If a company declares a 6% dividend, that does not mean your cash value grows by 6% that year. You can't just take 6% and apply it to your current cash value. There's a list of reasons why. That declared rate is gross, before administrative fees, before mortality costs, and before the actuarial mechanics that make your policy endow at age 120 or 121. The actual impact on any individual policy depends on the policyholder's age, the ratio of base premium to PUAs, other policy design options.  Additionally, if with a direct recongnition company, whether there are outstanding loans. Same rate but very different outcome depending on who you are and what you're doing with the policy. Not in Addition to the Guaranteed Interest Rate This trips people up constantly. They see a guaranteed interest rate of 2% and a declared dividend of 6% and assume they're getting 8% growth. That's not how it works. The guaranteed rate is already inside the dividend. The company guarantees it can make at least 2%. If it earns enough to support a 6% crediting rate, the additional performance above the 2% floor is what generates the dividend.  So the real outperformance is 4 percentage points and not 6 stacked on top of two. How Dividends Are Actually Allocated to Your Policy This is the part that goes beyond what most dividend conversations cover. And it matters if you want to understand what your dividend actually means for your specific policy. The Endowment Requirement Every whole life policy is contractually engineered to endow at age 120 or 121. That means your cash value and your death benefit will be equal at that point. This isn't a footnote buried in the contract.  It's the mathematical engine driving how dividends get allocated. The company has to make sure every policy's cash value reaches the death benefit by that endowment date, regardless of what the markets do along the way. Why Younger Policyholders Get a Smaller Share Contrast a 20-year-old and a 60-year-old. Both paying $10,000 per year into a whole life policy.  The same premium and the same declared dividend rate. They receive very different dividend credits. The 20-year-old has 100 years until endowment. That cash value has an enormous runway to compound. Less dividend is needed today because time does the heavy lifting.  The 60-year-old has only 60 years. Their cash value needs a bigger share of the dividend pool to close the gap between cash value and death benefit faster. Same rate but a very different allocation. And it's not unfair. It's contractual. The policy promises to endow at a specific age, and the actuarial math allocates accordingly. Why Base Premium Gets Higher Crediting Than PUAs Base premium is the portion you're contractually obligated to pay every year. The company knows it's coming. The CIO can plan investment decisions around that certainty and deploy capital with confidence. Paid-up additions are optional. You don't have to pay them. The Chief Investment Officer can't rely on PUA contributions the same way when making long-term decisions. There's a second factor too, with base premium, the death benefit relative to the premium amount is much higher.  A policyholder paying $100,000 in base premium might carry a death benefit of $800,000 or $1 million. That cash value has to close a gap of $700,000 to $900,000 by endowment.  But $100,000 of PUA premium might only buy $200,000 of death benefit, because it's already paid up. It only needs to grow by $100,000 over the same period. So the dividend has to work harder on the base side. More crediting goes there, especially in the first 20 to 30 years. If someone funds PUAs religiously for three decades and the PUA's death benefit grows to exceed the base death benefit, the crediting can equalize. But until then, base drives the dividend engine. The Direct vs. Non-Direct Recognition Distinction A non-direct recognition company credits the same dividend whether you've borrowe

She Built a Whole Life I Was Never Meant to SeeBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-cheating-wives-and-girlfriends-stories-2026-true-cheating-stories-podcast--5689182/support.

What Did She Say?

What did she say?

Your Whole Life - Herdley PaoliniMental health isn't about pretending we're okay—it begins when we name our pain and allow ourselves to feel it. Jesus models a faith that doesn't avoid grief but enters it, reminding us that healing happens through honesty, grace, and community.Let us know your thoughts by reaching out and joining the conversation with your questions and comments using the information below:

In this episode, Jim and Nick walk through the real mechanics behind Infinite Banking and answer the questions that usually trip people up. You'll quickly learn that it's not about finding the "best policy". Really, it''s about building a system you actually use. They break down why whole life is the preferred platform, why most alternatives fail over time, and how control, guarantees, and behavior determine outcomes. You don't build wealth by owning a policy. A policy won't do it. You build wealth by moving money through a system you control. Key Takeaways: - Infinite Banking is a process, not a product - Whole life is the platform, but behavior drives the outcome - "Buy term and invest the difference" ignores control and real-world use - Policy loans let your money keep compounding while in motion - Wealth is built through control and velocity of capital, not accumulation Chapters 00:00 How It All Comes Together 02:59 Process vs Product 06:02 Why "Buy Term Invest the Difference" Fails 10:53 The Multiple Layers of Return 17:17 Borrowing vs Losing Control 20:27 What Happens in a Crash 25:06 Where Your Money Actually Sits 28:33 Whole Life vs Universal Life 34:45 Are You Too Late to Start? ______________________________ If you're ready to breakaway and start making real wealth, then join our free community.  Get access to new daily content, on-demand courses on how money works and Infinite Banking, a Q&A video library, reading library, worksheets, calculators, and more.  

In Today's Mothering Monday  we have a beautiful teaching for you from our May Mothering Kit: Freedom and Healing in Christ ✨ Stress Busting for a Healed and Whole Life ✨If you've been feeling overwhelmed, this is your invitation to come to Jesus and ask Him for more, more peace, more strength, more healing.✨ “You do not have because you do not ask God.” James 4:2 ✨And as you ask, trust that He is working in you too.✨ “Now to Him who is able to do immeasurably more than all we ask or imagine…” Ephesians 3:20 ✨Come rest in His presence today. He cares for you deeply

Why Betrayal Makes it Feel Like Your Whole Life Was a Lie What if the most painful part of betrayal isn't what happened—but what it reveals? In this powerful episode, Lora Cheadle explores why betrayal feels like your whole life was a lie—not because every moment was fake, but because the map you were using to navigate life no longer works. From childhood beliefs about love, goodness, and fairness to the harsh awakening that life isn't always transactional, this conversation unpacks the deeper grief beneath betrayal: the collapse of your worldview, your identity, and your sense of safety. Through personal stories, grounded insight, and powerful metaphors—from The Matrix to navigating a foreign country without a map—Lora helps you understand why you feel so disoriented… and how to begin building a new reality rooted in truth, self-trust, and clarity. If you've ever thought: “I don't know who I am anymore” “Nothing feels real” “How could I not have seen this?” “What do I do now?” This episode will help you make sense of what you're feeling—and show you the path forward. Top 3 Takeaways Betrayal doesn't just break your heart—it breaks your worldview. The deepest pain isn't just what happened. It's realizing the rules you believed in—love, loyalty, fairness—don't guarantee the outcomes you expected. You're not crazy—you're disoriented. After betrayal, your mind is trying to make sense of a reality that no longer matches your internal map. That confusion, panic, and second-guessing are normal responses to a shattered belief system. Healing isn't about going back—it's about building a new map. The goal isn't to restore your old life or beliefs. It's to create a new foundation based on truth, self-trust, and the ability to navigate life as it actually is. Pull Quotes “Betrayal is not just the loss of a relationship. It's the loss of the belief that life works the way you thought it did.” LOVE THE SHOW? TAKE THE NEXT STEP Don't just listen—start healing. Get your free downloadable guide on the “The Top Three Ways You Betray Yourself Every Day, and How to Stop” at www.burnoutorbetrayal.com. https://workplace-burnout.com/the-top-3-ways-you-betray-yourself-every-day-and-how-to-stop/ If you're ready to Rise Up & Reign as the creator and queen of your life, let's talk. I will walk by your side and give you the perspective, permission, and wisdom needed to turn your betrayal experience into something constructive, empowering, and transformative in all the right ways.  Learn more at www.loracheadle.com and follow me across all social! Download your Sparkle After Betrayal Recovery Guide at www.BetrayalRecoveryGuide.com, a guide designed to help you take the first steps in feeling better, so you can reclaim your power, own your worth, and start putting yourself, and your life, back together again. About Lora: Lora Cheadle, JD, CHt is a betrayal recovery coach, attorney, TEDx speaker, and author of FLAUNT! and It's Not Burnout, It's Betrayal. After uncovering her husband's 15-year affair, she turned her own pain into purpose—helping high-achieving women reclaim their identity, power, and joy. A trauma-aware coach, somatic therapist, and former attorney, Lora blends legal insight with emotional and spiritual healing for full-spectrum recovery. She is the author of FLAUNT! Drop Your Cover and Reveal Your Smart, Sexy, & Spiritual Self (an International Book Awards Finalist and Tattered Cover Bestseller) and It's Not Burnout, It's Betrayal: 5 Tools to FUEL UP & Thrive. She also hosts the podcast FLAUNT! Create a Life You Love After Infidelity and Betrayal. Learn more at www.loracheadle.com and follow me across all social! Get the support you need to find your footing, begin making sense of it all, and feel better fast. As an attorney, betrayal recovery expert, and survivor of infidelity I can help you find the clarity and confidence to create a life that you love on the other side of betrayal. Book Your Session Here: https://calendly.com/loras-schedule/coaching-session Thank you to BetterHelp for sponsoring this podcast! Take charge of your mental health and get 10% off your first month of therapy at https://BetterHelp.com/FLAUNT  READY TO START A BETTER CHAPTER? Step into the future you've always dreamed of with the power of transformative rituals with the Mindful Subscription Box. Get a monthly box full of crystals, aromatherapy, and other spiritual tools worth $120. You deserve high-quality gems, crystals, oils, and mindfulness tools for self-care that truly work. It's a monthly dose of self-love delivered right to your door! Go to www.Mindfulsouls.com  and use Discount Code LORA25 for 25% off your order!

Get your copy of our 2026 Annual Read: Tozer on the Son of God by A.W. Tozer.First Time?Start Here: https://bit.ly/MarinersconnectcardCan we pray for you? https://bit.ly/MarinersPrayerOnlineYou can find information for all our Mariners congregations, watch more videos, and learn more about us and our ministries on our website https://bit.ly/MarinersChurchSite.FIND US ON SOCIAL MEDIA• Facebook: https://www.facebook.com/marinerschurch• TikTok: https://www.tiktok.com/@marinerschurch• Twitter: https://twitter.com/marinerschurch• Instagram: https://www.instagram.com/marinerschurchSupport the ministry and help us reach people worldwide: https://bit.ly/MarinersGive

What if the most painful part of betrayal isn't what happened—but what it reveals? In this powerful episode, Lora Cheadle explores why betrayal feels like your whole life was a lie—not because every moment was fake, but because the map you were using to navigate life no longer works. From childhood beliefs about love, goodness, and fairness to the harsh awakening that life isn't always transactional, this conversation unpacks the deeper grief beneath betrayal: the collapse of your worldview, your identity, and your sense of safety. Through personal stories, grounded insight, and powerful metaphors—from The Matrix to navigating a foreign country without a map—Lora helps you understand why you feel so disoriented… and how to begin building a new reality rooted in truth, self-trust, and clarity. If you've ever thought: “I don't know who I am anymore” “Nothing feels real” “How could I not have seen this?” “What do I do now?” This episode will help you make sense of what you're feeling—and show you the path forward.   Top 3 Takeaways Betrayal doesn't just break your heart—it breaks your worldview. The deepest pain isn't just what happened. It's realizing the rules you believed in—love, loyalty, fairness—don't guarantee the outcomes you expected. You're not crazy—you're disoriented. After betrayal, your mind is trying to make sense of a reality that no longer matches your internal map. That confusion, panic, and second-guessing are normal responses to a shattered belief system. Healing isn't about going back—it's about building a new map. The goal isn't to restore your old life or beliefs. It's to create a new foundation based on truth, self-trust, and the ability to navigate life as it actually is. Pull Quotes “Betrayal is not just the loss of a relationship. It's the loss of the belief that life works the way you thought it did.” Hashtags #SomaticHealing #BetrayalTrauma #InfidelityRecovery #NervousSystemHealing #HealingAfterInfidelity #SomaticTherapy #RelationshipTrauma #BodyKeepsTheScore #EmotionalHealing #BetrayalRecovery #TraumaHealing #WomenHealingAfterInfidelity   About Lora Lora Cheadle, JD, CHt is a former attorney turned betrayal recovery coach, hypnotherapist, and author who helps women rebuild their identity and reclaim their power after infidelity and profound emotional betrayal. Using her signature Life Choreography® approach, she integrates legal insight, nervous system regulation, somatic practices, and deep spiritual support to help clients move from shattered to sovereign.     Resources & Links Download the free Betrayal Recovery Guide: https://betrayalrecoveryguide.com Book your $97 Intro Session: https://introductorysession.com Learn more about Rise & Reign: https://loracheadle.com/rise-and-reign Follow on YouTube, Instagram, and Facebook @loracheadle   LOVE THE SHOW? TAKE THE NEXT STEP Don't just listen—start healing.   Download your FREE Betrayal Recovery Tool Kit and take back your power with clarity, confidence, and support that meets you where you are. ✅ Calm the chaos ✅ Rebuild self-trust ✅ Stop the spiral of second-guessing ✅ Reclaim your worth and your future

She Built a Whole Life I Was Never Meant to SeeBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-cheating-wives-and-girlfriends-stories-2026-true-cheating-stories-podcast--5689182/support.

In this episode, Jim and Nick break down how banking actually works and how a properly structured whole life policy can step into that role. The focus is not the product, it's the system. They walk through term vs whole life, the MEC line, and why most financial strategies rely on projections instead of guarantees. Then they shift to what matters most, using the system to move money, create cash flow, and build long-term control. When done right, your money doesn't stop working. It keeps compounding while you deploy it elsewhere. That's the shift: From storing money → to directing it. Key Takeaways - Infinite Banking is a process, not a product - Term insurance provides coverage, not control - Whole life, when structured properly, creates usable capital - The MEC line defines how far you can push efficiency - Policy loans allow your money to keep growing while in use Wealth is built through velocity and control of capital Chapters 00:00 Why Banking Is the Real Focus 01:47 Term vs Whole Life 06:36 The MEC Line Explained 10:12 Structuring for Control 17:17 Guarantees vs Projections 22:48 How Policy Loans Work 24:04 Creating Cash Flow 28:11 Rethinking How Money Works ______________________________ If you're ready to break away and start making real wealth, then join our free community.  Get access to new daily content, on-demand courses on how money works and Infinite Banking, a Q&A video library, reading library, worksheets, calculators, and more.  

Have you ever had one embarrassing moment — one failed public speaking experience, one bad drawing, one time you couldn't keep up — and quietly decided that was just who you are? That's what this episode is about. After a conversation with psychologist Gail Rice about re-storying our lives, something clicked for Yvonne — and it came straight from her work as a photographer. When she shoots headshots in burst mode, she captures dozens of frames of the same person in seconds. One frame? Guarded. The next? Laughing. Same person, completely different story. And yet most of us are walking around defined by a single frame — one moment, usually from childhood, with very little context and even less life experience. In this solo episode, Yvonne explores what happens when we confuse one awkward moment for the whole truth about who we are — and what it looks like to start creating new frames instead. Because you are not the worst photo ever taken of you. You are the entire album. And the next frame hasn't even been taken yet.

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After years of declining dividend rates during the low-interest-rate era, every major mutual life insurance company in our latest analysis is trending upward. This is the first update to our flagship whole life dividend analysis since 2020, and the shift is hard to miss. We walk through 10 years of dividend interest rate data for Guardian, MassMutual, Northwestern Mutual, New York Life, Penn Mutual, and Lafayette Life. You'll hear why you can't directly compare one company's rate to another's, and why the intra-company trend is what actually matters. We talk through what's driving the recovery, including the higher interest rate environment that's letting insurers reinvest at meaningfully better yields. You'll also hear which carriers are recovering fastest, which are lagging, and where the warning signs would appear if a company's next announcement fell outside its normal range. A few things we cover along the way: why standard deviation tells a different story than average change, why Penn Mutual's famous flat streak ended the way it did, and why Lafayette Life's recent acceleration puts them in a category of their own. Just remember, dividend performance is one data point among several. Product design, policy structure, and how the contract is used matter just as much, and often more, for cash value outcomes. ______________________________________ If you want to talk through how any of this applies to a specific situation, you can schedule a call or if you prefer to write us first, just click right here.  

In this Interview with wealth expert Kuldeep Madan, we break down how whole life insurance premium financing works for ultra-wealthy family's and when it's actually a viable strategy. We then compare using whole life insurance and IUL's for premium financing and which one wins in the end.Watch the Interview on Youtube for Visuals - https://youtu.be/ljkaP_J7ZAkWant a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarityBuy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summitConnect with Kuldeep's Team: https://madanplus.com/team/kuldeep-madan/Learn More About BetterWealth: https://betterwealth.comChapters:00:00 - Introduction to Whole Life Premium Finance 01:08 - When Whole Life Premium Financing Works 02:30 - Risks and Failures in Indexed Universal Life (IUL) 04:17 - Solving Liquidity Problems for Ultra-Wealthy Families 06:44 - Estate Planning and Opportunity Cost 08:30 - Using External Leverage 09:03 - Client Profiles and Estate Freezing 10:13 - Educating Family Offices 12:00 - Whole Life vs. IUL and GUL 15:31 - Challenges of Financing GUL 16:03 - Closing Remarks and Event AnnouncementDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Real clients. Real collapsed policies. Why Universal Life might be quietly robbing your family.

In this week's episode of Coming Out & Beyond, Anne-Marie traces the winding, decade-long road that led her from a single paragraph in an Oprah magazine to finally saying the words out loud — and finding the woman who would become her wife along the way.She begins in 2006, when an article about women who had left marriages with men to be with women cracked something open in her — a joy she couldn't explain and quietly tucked away. She walks listeners through every moment she tried to surface that truth: a therapist who made her feel like she'd failed a litmus test, a marriage counselor who chalked it up to a difficult relationship with her mother, and the years of silence in between. Then comes the patient — a small, fierce woman from Connecticut who signed her own hospice paperwork and told Anne-Marie she thought she'd been waiting for something her whole life. In that moment, something irreversible shifted.She shares the four words she typed into Google — late in life lesbian — and what happened next: an online community, a Facebook group with 180 members, and a woman named Tonda McKay from Nashville who put her in the friend zone and then slowly, over the next year, became the love of her life.Anne-Marie weaves in the music that accompanied all of it — Mary Lambert's "She Keeps Me Warm" and Macklemore's "Same Love" — songs she had cried at for years without fully understanding why. She reflects on what it means to carry a verdict you never agreed to, to mistake recognition for compassion, and to discover that orientation doesn't wait to be confirmed. It was already there, in every song that broke her open, long before she gave herself permission to know it.This episode closes with an invitation: you don't have to figure this out alone. Anne-Marie did that for ten years. There's another way.If any part of this episode landed somewhere real in you, the 3-Day Clarity Experience is happening May 5th through 7th. Three days of community, of being seen, of not carrying this alone. Anne-Marie created it for exactly the moment you might be in right now. The link is https://annemariezanzal.com/3-day-clarity-experience/ Anne-Marie tells part of this story — meeting Tonda, the fear, the phone call, all of it — in her memoir Authentic Peace. If this episode moved you and you want to go deeper into her coming-out journey, you can find the book here: https://amzn.to/3F9szYYYou can find Anne-Marie's Substack piece on the therapist who couldn't see her here: https://annemariezanzal1.substack.com/p/the-therapist-who-couldnt-see-me?r=4c7fmcLooking for community and clarity as you navigate this journey? You don't have to do it alone! Visit https://community.annemariezanzal.com/users/onboarding/plans for ways to connect and learn with women just like you.Anne-Marie mentions listening to Mary Lambert's "She Keeps Me Warm" — the song that broke her open long before she understood why. Go listen with new ears. The Vevo link is in the show notes. No ally framing. Just her voice. Notice what your body does. https://youtu.be/NhqH-r7Xj0E?si=nBuaJCIxjKUeDmHRMacklemore's "Same Love" samples Mary Lambert's voice at key moments throughout — it was the anthem of marriage equality in 2012 and part of the soundtrack of Anne-Marie's coming-out years. The YouTube link is in the show notes. https://youtu.be/hlVBg7_08n0?si=cNbfy5Sg6L-T_Uwg#LateInLifeLesbian #ComingOutLaterInLife #QueerWomen #LGBTQPodcast #AuthenticLife

Jen Burton asks the question, “What was your favorite childhood TV show? The more obscure, the better,” and we take some wild trips down memory lane. From Silverhawks to Wallace and Ladmo, from Square One Television to The Adventures of Pete & Pete, we take a run down memory lane, confuse Ed McMahon for Pat McMahon, make obscure fishing movie references, and teach our kids lessons using ‘90s sitcoms. Reminisce, laugh, and feel old with us! Cast: Sean Michael Boozer, Jen Burton, Jarrett Lennon Kaufman, Josh Spence, Chris Sanders Ads: Tsk, Tsk (improvised by Sean Michael Boozer off of these prompts: Oh no, not even a little bit, you have to be kidding me, godawful, Mel Gibson, shan't) Original release date: 4/15/26  Actual episode count: 138 Show references:  Silverhawks: https://www.imdb.com/title/tt0090520/  The Wallace and Ladmo Show: https://www.imdb.com/title/tt0430859/  My Secret Identity: https://www.imdb.com/title/tt0094516/  Square One Television: https://www.imdb.com/title/tt0191731/  The Adventures of Pete and Pete: https://www.imdb.com/title/tt0105933/ Intro and outro music credit to Matt Walker  Various sound effects and music from https://freesfx.co.uk/  Additional music and sound credits:  "Deep Relaxation" Kevin MacLeod (incompetech.com)  Licensed under Creative Commons: By Attribution 4.0 License  http://creativecommons.org/licenses/by/4.0/  Prove by Anthony Shea   https://www.thelovepools.com  Sein-A-Like by Anthony Shea  https://www.thelovepools.com 

He walked out of that meeting and thought: this is a life sentence I never agreed to. Young Han was a CFO in Silicon Valley, building the kind of startups that made people nod with respect. He had the title, the funding, the accolades. And he was quietly, deeply depressed. He didn't recognize it as depression. It just looked like going through the motions, gaining weight, losing his spark, and pretending everything was fine. Then he sat across from a financial planner. Four hours. A responsible retirement strategy. And a slow realization that the plan amounted to: live a kind of shitty life for 25 years, hope to afford another shitty life for 25 more, and pray you die before the money runs out. That was the crack. In this episode, Genea sits down with Young Han, CFO, entrepreneur, father of two, to trace the full arc from that meeting to a five-year sprint that rebuilt everything.  They talk identity loss, the loneliness of evolving, and what it actually costs to stop performing someone else's version of enough. Four moments from this conversation that don't leave you:

Today we're talking about what it really means to thrive in a world that often feels overwhelming—for our kids and for us. My guest is Stephanie Malia Krauss, author, speaker, and strategist whose new book How We Thrive: Caring for Kids and Ourselves in a Changing World explores the urgent need to protect the human essentials—things like sleep, play, connection, and wonder—that modern life so often erodes. Stephanie and I explore the idea of “rehumaning” how we live, learn, and parent. We talk about the interconnectedness of body, mind, heart, and spirit, and the importance of collective care in raising kids in today's world. Stephanie shares practical, grounded ways to navigate overwhelm and make small shifts in daily life that can help families move from merely surviving to truly thriving.   About Stephanie Malia Krauss Stephanie Malia Krauss is an author, speaker, and strategist helping leaders rehuman how we live, learn, and work. Her newest book, How We Thrive: Caring for Kids and Ourselves in a Changing World, examines the urgent need to protect the human essentials—like sleep, play, connection, and wonder—that modern life diminishes or denies. Stephanie's commitment to this work began as a teacher and coach, where she witnessed how different environments can deplete or restore people. She later founded a school for young people furthest from opportunity, and now leads national and state efforts in education and youth development. Working with leaders from classrooms to Congress, Stephanie advises states, districts, and national organizations through her consulting shop, First Quarter Strategies. Stephanie is also the author of Whole Child, Whole Life: 10 Ways to Help Kids Lives, Learn, and Thrive and Making It: What Today's Kids Need for Tomorrow's World. Things you'll learn from this episode  Why collective care and community are essential antidotes to modern overwhelm and burnout How the practice of rehumaning helps us reconnect with our core human needs Why honoring the interconnectedness of body, mind, heart, and spirit is key to real resilience How small, intentional shifts in daily rhythms can meaningfully improve family well-being Why thriving means living in full animation—rooted in love, belonging, and advocacy—not just enduring   Resources mentioned How We Thrive: Caring for Kids and Ourselves in a Changing World by Stephanie Malia Krauss Rehumaning Childhood (Stephanie's Substack) Rehumaning website Geoffrey Cohen on Belonging: The Science of Creating Connection and Bridging Divides (Stanford Digital Education) Stephanie Malia Krauss' website Whole Child, Whole Life: 10 Ways to Help Kids Live, Learn, and Thrive by Stephanie Malia Krauss Making It: What Today's Kids Need for Tomorrow's World by Stephanie Malia Krauss Whole Child, Whole Life website How We Can Prepare Differently Wired Children for an Uncharted Future, with Stephanie Malia Krauss (Tilt Parenting Podcast) How to Help Our Kids Thrive in Tough Times, with Stephanie Malia Krauss (Tilt Parenting Podcast) Making It: What Today's Kids Need for Tomorrow's World by Stephanie Krauss Dr. Eric Soto-Shed (Harvard researcher) Learn more about your ad choices. Visit podcastchoices.com/adchoices

What if the thing that helps you stay vegan isn't more willpower, more discipline, or a more perfect plan?This week we talk about resilience — not as a trait you either have or don't, but as something you build. Just like a muscle.After a stretch of medical challenges left me feeling deconditioned and frustrated, I found myself back with much lighter weights than I used to lift. And that experience reminded me of something I see all the time in vegan and plant-based change: people don't usually fail because they don't care enough. They struggle because they try to lift too much, too soon.If you've ever told yourself you should be further along by now… if you've started over more times than you can count… if you've made a setback mean you're weak, inconsistent, or not cut out for this, this episode is for you.We talk about why resilience matters more than perfection, why smaller changes are often the smarter strategy, and how supporting yourself through the wobble is what actually helps you build a practice that lasts.In this episode:Why resilience is more useful than relying on willpowerHow vegan change works a lot like strength training Why all-or-nothing thinking keeps us stuckWhat it means to lower the bar without giving up the goalHow small wins build confidence, trust, and momentumWhy getting off track is not failure — it is part of the processHow your vegan practice can strengthen the way you handle challenges in every part of lifeIf you've been trying to do this the hard way, let this be your reminder: you do not need to start at the advanced level. You need to start where you are, build from there, and learn how to come back when things get messy.Resilience - that's your vegan muscle. Strengthening it will power a whole lot more than what's on your plate or the weight rack.Subscribe & Review:If you enjoyed this episode, please subscribe and leave a review on your favorite podcast platform. Your feedback helps us grow and share the message of plant-based living with more listeners.For more information, to submit a question or topic, or to book a free 30 minute Coaching session visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠veganatanyage.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠or email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠info@micheleolendercoaching.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Music, Production, and Editing by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Charlie Weinshank⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. For inquiries email: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠charliewe97@gmail.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Virtual Support Services: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://proadminme.com/⁠

By Kelly M Irvin - A Feast of Unleavened Bread message, combined as sermonette and offertory message... The purpose of God's Passover and His Holy Festivals is not to help faithful Christians get right with Him. God designed His Memorial and Festivals to celebrate His power to save us and share with us His overall

Luke's Citizens ArrestScott's Spray: Hydralite Getting Caught Doing Something EmbarrassingF'd Up Families: MahnieLINKS:Follow us @lukeandsassyscott on ⁠⁠⁠⁠⁠⁠⁠⁠Tiktok⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠Get involved in the podcast by sending in your voice notes to ⁠⁠⁠⁠⁠⁠⁠⁠@lukeandsassyscottpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠ on InstagramCREDITS:Hosts: Luke O'Halloran and Scott O'HalloranProduction: EarsayProducer: Mike Liberale (Podcast Mike Media)Manager & Sales: Mushroom Group

A lie is a full-time job that pays in chains. The moment you hide the truth, you become a prisoner to the fear of being found out, exhausting yourself to protect an image that isn't even real. But here is the beautiful truth: God already knows your whole story—and He is just waiting for you to stop hiding so His mercy can finally set you free.#FULLTANKwithBroBo​ #FULLTANKwithBroBo2026​ #BoSanchez​ #TruthSetsYouFree​ #Integrity​ #EasterReflections​ #FaithInAction​ #SpiritualMaturity​ #TrulyRichMindset​ #NoMoreLies​ #Grace​ #CFAHomeschool​---PS. Are You A Parent?Are you thinking about Homeschooling for your kids?My wife and I have homeschooled our two boys.Looking back, it's one of the BEST decisions we've ever made.It gave us the space to pass on our values.It also gave them space to explore their passions and interests.If you want to know more about homeschooling and to find out if it is for your kids, check out this link: www.facebook.com/CFAHomeschool or cfa.edu.phTo support my mission work, click this link now! http://BuyMeACoffee.com/brotherbosanchez

What happens when the reality of the resurrection confronts our doubt, questions, and uncertainty? Luke 24 tells the story of the empty tomb and the first responses to it: wonder, disbelief, and curiosity that ultimately lead to truth. This message explores how the resurrection of Jesus redeems our past, gives us power to live today, and secures our future. Whether you're exploring faith or ready to take your next step, this is a truth you can build your whole life on.

You've been blowing out birthday candles and tossing coins into fountains your whole life. Turns out, you weren't just being superstitious. You were running an experiment in quantum physics, neuroscience, anthropology, and behavioral science simultaneously, and you had absolutely no idea.About This Episode Brownell Landrum calls herself an "Explorer of Metaphysical Mystery," and she's earned the title. After spending years synthesizing research from 70+ scientists across a dozen disciplines, she wrote The Art and Science of Wishing, an 879-page deep dive into the mechanics behind something most of us dismiss as childlike fantasy. She's a storyteller, not a scientist, which means she translates all of it into something you can actually use.In this conversation, Brownell joins Will and Karen to break down the neuroscience, psychology, and yes, quantum physics behind one of humanity's oldest rituals. No vision boards required.What You'll HearThe surprisingly clear distinction between a wish, a prayer, and a goal, and why it actually matters when you're trying to get what you wantWhat a "cosmic wish" is, and the specific shift that separates wishful thinking from something that worksThe four possible responses to any wish you make. yes is only one of them, and honestly not always the best oneWhy repeating a wish isn't magical thinking. it's neuroplasticity, and there's hard science behind why it rewires your brain toward what you wantThe "three Ps" framework Brownell uses to structure a wish so your brain can actually act on itWhy your body might be doing more of the wishing than your conscious mind, and what the Huna tradition says about making peace with thatThe Global Consciousness Project, collective wishing, and the genuinely unsettling question of whether thousands of people wishing for the same thing could move the needle on realityBrownell also wrote an entire chapter specifically for skeptics. Will found it. He felt seen.Listen If You've Ever Thought: "I know this is probably nonsense, but I still make wishes anyway."That instinct might be smarter than you think. This episode won't ask you to believe harder. It'll show you the mechanism, and let you decide what to do with it.Subscribe, leave a review, and if someone in your life is quietly fascinated by this stuff but too skeptical to admit it, send them this episode. It was basically made for them.The Skeptic Metaphysicians is a spiritual awakening podcast for open-minded thinkers who refuse to check their critical thinking at the door. Each episode explores consciousness expansion, enlightenment, soul purpose, and soul growth through honest, grounded conversation with leading voices in metaphysics, psychic phenomenon, quantum healing, and beyond. We dive deep into spiritual awakening, ascension, alignment, and the awakening process without the dogma. From mediumship and spirit guides to Arcturian contact, astrology, and the subconscious mind, we explore it all with curiosity, humor, and zero guru worship. Whether you're in the middle of your own awakening, questioning reality, or just spiritually curious, this is the podcast for seekers and skeptics alike.Subscribe, Rate & Review!If you found this episode enlightening, mind-expanding, or even just thought-provoking (see what we did there?), please take a moment to rate and review us. Your feedback helps us bring more transformative guests and topics your way!Connect with Us: 

A man recounts his lifelong recurring nightmare of being stalked by an unseen serpent through the African grasslands, where each dream brings the creature closer to catching him. | “The Dream Snake” by Robert E. Howard (Weird Tales, February 1928)More stories like this: https://weirddarkness.com/AuditoryAnthology*No AI Voices Are Used In The Narration Of This Podcast*Take the Weird Darkness Survey: https://take.supersurvey.com/QGZCRXPVSHELPFUL LINKS & RESOURCES…https://WeirdDarkness.com/STORE = Tees, Mugs, Socks, Hoodies, Totes, Hats, Kidswear & Morehttps://WeirdDarkness.com/HOPE = Hope For Depression or Thoughts of Self-Harmhttps://WeirdDarkness.com/NEWSLETTER = In-Depth Articles, Memes, Weird DarkNEWS, Videos & Morehttps://WeirdDarkness.com/AUDIOBOOKS = FREE Audiobooks Narrated By Darren Marlar =====(Over time links may become invalid, disappear, or have different content. I always make sure to give authors credit for the material I use whenever possible. If I somehow overlooked doing so for a story, or if a credit is incorrect, please let me know and I will rectify it in these show notes immediately. Some links included above may benefit me financially through qualifying purchases.)= = = = ="I have come into the world as a light, so that no one who believes in me should stay in darkness." — John 12:46= = = = =WeirdDarkness® is a registered trademark. Copyright ©2026, Weird Darkness.=====Originally aired: March 01, 2026EPISODE PAGE (includes sources): https://weirddarkness.com/TheDreamSnakeABOUT WEIRD DARKNESS: #WeirdDarkness is a true crime and paranormal podcast narrated by professional award-winning voice actor, Darren Marlar. Seven days per week, Weird Darkness focuses on all things strange and macabre such as haunted locations, unsolved mysteries, true ghost stories, supernatural manifestations, urban legends, unsolved or cold cases, conspiracy theories, and more. Weird Darkness has been named one of the “20 Best Storytellers in Podcasting” by Podcast Business Journal. Listeners have described the show as a blend of “Coast to Coast AM”, “The Twilight Zone”, “Unsolved Mysteries”, and “In Search Of”.DISCLAIMER: Stories and content in Weird Darkness can be disturbing for some listeners and intended for mature audiences only. Parental discretion is strongly advised.