Podcasts about Widen

Plus: how to handle discomfort, be more present, and remember to be aware throughout your day. Most of us spend our days somewhere between the past and the future — technically conscious, but not really there. Meditation teacher Susa Talan takes live questions from practitioners on what it actually means to show up for your own life, and how to do it even when you can't sit still, even when you're crying, even when anxiety has narrowed your whole world down to a single racing heartbeat. Susa Talan is a meditation teacher trained in the insight tradition. She works one-on-one with students around their meditation practice, and she was the Teacher of the Month for April 2026 for DanHarris.com. You can get more guided meditations from Susa in the 10% with Dan Harris app. In this live Q&A, Susa Talan shares:   Why awareness isn't hard — what's actually hard is remembering to be aware The "what else is here?" technique for working with anxiety and heart palpitations Why you don't need to understand why you cry in meditation — and what to do instead How to cultivate awareness all day long, not just on the cushion Why meditation has nothing to do with sitting still — and everything to do with the whole car ride   Get the 10% with Dan Harris app here Sign up for Dan's free newsletter here Follow Dan on social: Instagram, TikTok Subscribe to our YouTube Channel Join Dan, Sebene Selassie and Jeff Warren for Meditation Party, a 3-day immersive retreat at the Omega Institute in Rhinebeck, NY, October 16–18, 2026. Register here. To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/10HappierwithDanHarris  

Inflation, recession, global conflict, and post-pandemic exhaustion. Leaders today are operating under unprecedented levels of pressure, and many are finding that their own—and their team's—"fuses are getting shorter and shorter." In this archive episode of  Connected Leadership Bytes, Andy Lopata sits down with international speaker and serenity expert Martin Laschkolnig to discuss how leaders can maintain their composure when surrounded by crisis. Drawing on decades of business experience, Buddhist philosophy, and energy psychology, Martin explains why trying to "fix" a traumatised team member is the worst thing a leader can do, and why serenity is a muscle that must be trained before the crisis hits. If you want to stop reacting on autopilot and start leading with profound inner peace, this episode provides the practical tools you need to widen the space between event and reaction. 5 Key Takeaways: The Crisis Intervention Rule of 3: Discover the three essential steps leaders must take when a team member is in a crisis (and why "offering a solution" isn't one of them). The Limits of the "Fixer": Why jumping straight to "fix-it mode" can alienate your team, and why people need to feel "seen in their misery" before they can accept a solution. The Monkey Mind vs. The Sphere of Influence: How the "monkey mind's" desire to control everything causes burnout, and how to reclaim your power by focusing only on what you can actually influence. The "NATO" Mindset: How adopting the "Not Attached to the Outcome" philosophy can instantly reduce leadership stress in target-driven corporate environments. The Separation of Self and Problem: The profound psychological shift of realising "I have a problem, but I am not the problem," and why self-compassion is crucial for crisis management.  3 Actionable Insights Stop Giving Verbal Instructions in a Crisis: When an employee is overwhelmed or traumatised, always provide the next steps (e.g., "Go see HR") in writing or via a simple checklist to ensure they actually get the support they need. Defuse the Stress Hormones Daily: Do not wait for the weekend or a crisis to relax. Build a daily "micro-routine", whether it's five minutes of conscious breathing, digging in the garden, or taking a walk. Consistent, small steps build the foundation of resilience you will need when a storm hits. Widen the Space Between Event and Reaction: When you feel a strong emotion (like fear or anger) rising, do not react on autopilot. Step away. Take a few deep breaths. Create space to evaluate whether acting on that emotion will benefit you, or if it is better to let it pass. Your reaction determines the outcome; make sure it is a conscious choice. SELECTED LINKS FROM THE EPISODE Connect with Andy Lopata: Website | Instagram | LinkedIn | X/Twitter | YouTube Connect with Martin Laschkolnig: Website |LinkedIn | The Financial Times Guide to Mentoring Episode 171 Featuring Martin Laschkolnig

The CE experience for this Podcast is powered by CMEfy - click here to reflect and earn credits.In this episode Dr. Robyn Tiger explores how getting stuck in microscopic thinking and repetitive thought loops can increase stress, overwhelm, and emotional exhaustion. Learn how widening your perspective and viewing life through a more macroscopic lens can help you feel calmer, clearer, and more grounded.This episode offers practical tools to shift your mindset, interrupt rumination, and reconnect with the bigger picture.You'll walk away with actionable steps to reduce stress, increase perspective, and create more peace in your daily life!Information for Dr. Robyn Tiger & StressFreeMD:Check out StressFreeMDGet the book: Feeling Stressed Is OptionalGet your 4 FREE stress relieving videosPhysicians: join our free private physicians-only Facebook groupRetreatsREVIVE! Lifestyle Medicine Well-Being Group CoachingPrograms on Demand (+ CME)Private 1:1 Coaching (+ CME)Schedule your FREE 30-Minute Stress Relief Strategy CallFollow me on Social Media: InstagramLinkedInFacebookTwitterPodcast websitePlease rate & Review the Show!Contactinfo@stressfreemd.net 

Dave Rubin of "The Rubin Report" talks about Zohran Mamdani and Kathy Hochul quietly widening the net of who will be targeted by Mamdani's "tax the rich" plans by changing his controversial pied-à-terre tax from targeting homes worth $5 million to $1 million; Adam Carolla telling Robert F. Kennedy Jr. Gavin Newsom's most insane hypocrisy; the shocking appearance of Mark Cuban on stage with Donald Trump to promote TrumpRx to lower drug prices and prescription medication costs; Ro Khanna being unable to refute Squawk Box's Joe Kernen proving how Barack Obama's Iran nuclear deal backfired and grew Iran's nuclear program; CNN's Harry Enten sharing new polling data that should scare Thomas Massie about his challenge from Donald Trump endorsed Ed Gallrein; Elon Musk's first reaction to losing his lawsuit against Sam Altman concerning OpenAI and what he plans to do next; and much more. Join me for a LIVE Event with Governor Ron DeSantis, plus special appearances by Ben Shapiro, Jillian Michaels, and Adam Carolla on June 11th! Get Tickets Here: https://daverubin.com/events WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/

Nuo liepos1 d. įsigalioja reikšmingi Akcinių bendrovių įstatymo pakeitimai. Kodėl jų reikėjo? Ką šie pokyčiai reiškia verslo atstovams? Ko reikia imtis jau dabar? Komentuoja teisinių paslaugų įmonės „Fondia Lietuva“ vykdančioji direktorė, vyresnioji teisininkė Jurgita Vaičiulionienė.Tiek versle, tiek privačiame gyvenime pasitaiko situacijų, kai kilus ginčui jo sprendimas persikelia į teismą. Nepaisant kokios priežastys atveda atveda į teismo salę, vienas svarbiausių kiekvienos bylos sėkmės faktorių yra įrodymai. Įrodymai byloje gali būti patys įvairiausi – šalių susirašinėjimai, foto ar vaizdo įrašai, sutartys, finansiniai dokumentai, specialistų išvados ir kt. O didžiajai daliai mūsų bendravimo persikėlus į elektroninę erdvę, vis dažniau įrodymai būna skaitmeniniai. Kaip šie skaitmeniniai arba elektroniniai įrodymai vertinami teismuose , kaip tikrinamas jų autentiškumas, kokie dirbtinio intelekto iššūkiai? Pokalbyje dalyvauja advokatų kontoros WIDEN partneris, advokatas Mantas Mikalopas.Kai skolos ima diktuoti gyvenimo ritmą, kartais vienu iš realių sprendimų tampa fizinio asmens bankrotas. Kaip veikia šis teisinis instrumentas ir kodėl teisininkai sako , jog tai nėra lengvas ar greitas kelias? Paaiškina advokatų profesinės bendrijos AVOCAD teisininkas Rokas Puodžiūnas.Ved. Artūras Matusas

Tiek versle, tiek privačiame gyvenime pasitaiko situacijų, kai kilus ginčui jo sprendimas persikelia į teismą. Nepaisant kokios priežastys atveda atveda į teismo salę, vienas svarbiausių kiekvienos bylos sėkmės faktorių yra įrodymai. Įrodymai byloje gali būti patys įvairiausi – šalių susirašinėjimai, foto ar vaizdo įrašai, sutartys, finansiniai dokumentai, specialistų išvados ir kt. O didžiajai daliai mūsų bendravimo persikėlus į elektroninę erdvę, vis dažniau įrodymai būna skaitmeniniai. Kaip šie skaitmeniniai arba elektroniniai įrodymai vertinami teismuose , kaip tikrinamas jų autentiškumas, kokie dirbtinio intelekto iššūkiai? Pokalbyje dalyvauja advokatų kontoros WIDEN partneris, advokatas Mantas Mikalopas.

Į LRT GIRDI kreipėsi klausytojas Laurynas, kuriam kilo klausimas, kokius asmens duomenis yra saugu pateikti telefonu ar elektroniniu paštu, kai skambina telekomunikacijų ar kitų paslaugų teikimo bendrovės ir siekia identifikuoti vartotoją. Apie tai kalba advokatų kontoros WIDEN asocijuota partnerė Daiva Tamulionienė bei „Telia“ atstovas Audrius Stasiulaitis.

Stasistika liudija, besibylinėjančių žmonių skaičiai kasmet auga. Dalis lietuvių vis dar įsitikinę, kad kilus ginčui savo tiesą apgins tik teisme. Deja, dauguma jų lieka nemaloniai nustebinti, supratę, jog teismas toli gražu ne greičiausias ir pigiausias būdas spręsti savo problemas. Kiek gali kainuoti bylinėjimasis aptariame su advokatų profesinės bendrijos „Noewe Legal“ advokatu Andriumi Lukašonoku.Dirbtinio intelekto (DI) sprendimai vis sparčiau įsitvirtina mūsų gyvenime. Nuošalyje neliko ir personalo atrankos procesai. – DI čia pasitelkiamas ir CV analizei, ir kandidatų vertinimui, juo net gali būti grindžiami sprendimai, kas bus pakviestas į darbo atrankos pokalbį. Nors tai leidžia įmonėms sutaupyti laiko, sumažinti žmogiškųjų klaidų riziką bei spartinti atrankos procesus, kartu jis kelia ir rimtų duomenų apsaugos bei teisinių iššūkių. Kur slypi didžiausios rizikos ir kaip jų išvengti? Pokalbis su advokatų kontoros WIDEN asocijuota partnere, advokato padėjėja Daiva Tamulioniene.Pora gyveno kartu, remontavo būstą, pirko medžiagas, baldus ar buitinę techniką, abu prisidėjo savo pinigais ir darbu – tačiau nekilnojamasis turtas visą laiką buvo įregistruotas tik vieno asmens vardu. Kol santykiai tęsiasi, tokia tvarka dažnai atrodo natūrali. Tačiau jiems nutrūkus iškyla esminis klausimas: ar įdėtas indėlis suteikia teisę į kompensaciją, ar tai laikytina neatlygintina parama? Komentuoja advokatų kontoros „Glimstedt“ vyresnioji teisininkė, advokatė Renata Račko.Ved. Artūras Matusas

Dirbtinio intelekto (DI) sprendimai vis sparčiau įsitvirtina mūsų gyvenime. Nuošalyje neliko ir personalo atrankos procesai. – DI čia pasitelkiamas ir CV analizei, ir kandidatų vertinimui, juo net gali būti grindžiami sprendimai, kas bus pakviestas į darbo atrankos pokalbį. Nors tai leidžia įmonėms sutaupyti laiko, sumažinti žmogiškųjų klaidų riziką bei spartinti atrankos procesus, kartu jis kelia ir rimtų duomenų apsaugos bei teisinių iššūkių. Kur slypi didžiausios rizikos ir kaip jų išvengti? Pokalbis su advokatų kontoros WIDEN asocijuota partnere, advokato padėjėja Daiva Tamulioniene.

An Auckland University researcher says raising the superannuation age will increase inequality, especially for Maori and Pasifika. The Director of Auckland University's Centre for Co-Created Ageing Research, Professor Ngaire Kerse, who also works as a GP spoke to John Campbell.

Investment property and high-dividend-paying shares are about to get a tax hit in the Budget: So, it's the perfect time to look wider for the active investor. Jack Tossol of the Partners Wealth Group joins Associate Editor - Wealth, James Kirby, in this episode. In today's show, we cover: The persistence of private equity How 'growth' shares get hit with planned CGT changes Are start-ups really disadvantaged in the tax system? How to find the purchase price of very old shares See omnystudio.com/listener for privacy information.

(Flagstaff Insight Meditation Community)

(Flagstaff Insight Meditation Community)

Sonia T. and Sabrina are reflecting on the gifts of friendship that the universe has given them. When someone wonderful comes into your life, count it as a blessing! And if the vibes are off, speak up and set things straight, or get out of there! Trust your vibes and enjoy the inspiration that comes from listening to your intuition. You can nurture those vibes by getting creative!   This week's theme is: The creative spirit soars when your intuition is honored.    Grab Sonia Choquette's FREE Meditation Guide!   Join the Waitlist for Sonia Choquette's New Certification Program   Highlights: Gifts from the universe. [:30]  If the vibes are off, be direct. [5:37]  Is secondhand embarrassment just empathy? [9:41]  See it, say it, sort it. [11:41] Recentering yourself on the psychic plane. [15:40] The universe is conspiring for your success. [23:42]  How do you respond to 'no'? [28:27] Widen your lens of creativity. [35:55] Your inner spirit is your first language. [41:35]  Fairy gardens, preschoolers and creativity galore! [47:19]  Tool of the Week: Create an outdoor space to celebrate spirits and energy. [48:55] Question of the Week: Share with us your questions and vibe stories at itsallrelatedpodcastquestions@gmail.com and vibecheck@soniatully.com [53:20]   Anyone who has been responsible for the life of a child knows how easy it can be to find your voice and speak up on their behalf. Intuitive people have the gift of tuning into the needs of those that they care about, as well as picking up on the vibes of all that is happening around them. One gift of motherhood, and of getting older, is that we tend to care a little less about making others comfortable and a lot more about honoring ourselves.    The sisters are taking a trip down designer lane with memories of fashion inspiration they have had at various times. Is there anything quite like finding the perfect pair of shoes or the handbag you've been dreaming of? Do you feel yourself dreaming about creating this spring? Maybe it's time to plant a fairy garden! Inspiration is a type of vibe that deserves to be honored. Whatever gets your heart moving in the right direction is worth acting on!    Tool of the Week: Create an outdoor space to celebrate spirits and energy. [48:55]   Question of the Week: Share with us your questions and vibe stories at itsallrelatedpodcastquestions@gmail.com and vibecheck@soniatully.com [53:20]   Continue on Your Journey:   Grab Sonia C.'s New Card Deck Here! Your Glorious Life Sonia C's In the Moment Guidance Good Vibes Tribe More Sonia Choquette Follow Sonia Choquette on Instagram Sonia Choquette on YouTube Sonia Choquette's Book Read Life ACCURATELY: Recognize and Respond to What's Really Happening Soul Mastery: 22 Lessons to Reinvent Your Life Order Sonia Choquette's Trust Your Vibes Guided Journal True Balance book by Sonia C.   More Sonia Tully Psychic YOUniversity Level 1 Waitlist Psychic YOUniversity Level 2 Waitlist Book a Reading with Sonia Tully Sonia on Substack Follow Sonia Tully on Instagram Book a Discovery Call with Sonia Tully Free Spiritual Toolkit and Meditation   Connect with Sabrina Tully  Buy Sonia and Sabrina's book, You Are Amazing   Share with us your questions and vibe stories at itsallrelatedpodcastquestions@gmail.com and vibecheck@soniatully.com

The Madlanga Commissioner Sandile Khumalo has questioned whether Julius Mkhwanazi tasked EMPD officers to commit armed robbery during a disputed raid. Evidence leader Mahlape Sello says the joint operation story emerged years later and was not disclosed to IPID yet footage places Mkhwanazi at the scene. Mkhwanazi has denied wrongdoing and insists information was shared with IPID. Jon Gericke spoke to Dr Esewu Mxolisi Mathebula, an Independent policing and crime analyst.

In this episode of The Leader's Table Podcast, host Diana Murphy discusses how to navigate intense emotional moments—anger, anxiety, sadness—during leadership situations like team meetings, difficult conversations, or receiving bad news. Rather than judging or suppressing emotions, she frames them as a portal to wisdom, values, integrity, and truth, helping leaders stay grounded instead of reacting as a "hothead." She introduces the SLOW tool to honor and engage emotions differently: Stop and notice your breath Linger to recover and let the emotion move Stay Open and curious without judgment about what triggered you Widen your perspective to reduce tunnel vision and access what you really want to do or say.   She emphasizes that nothing has gone wrong when emotions arise and promises that practicing SLOW leads to more aligned responses and deeper insight.   00:00 Welcome and Purpose 00:13 When Emotions Hit 01:22 Emotions as Wisdom 03:47 Honor the Moment 05:41 Engage Differently 07:07 SLOW Acronym 08:39 Widen Perspective 10:18 Repeat the Steps 11:55 Mammal Not Mind 14:07 Promises and Wrap Up

A new report warns that artificial intelligence could deepen economic inequality for Black Americans, potentially widening the racial wealth gap by $43 billion annually by 2045. Researchers say without intentional action, existing barriers could limit participation in the growing AI economy. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

HOUR 3: Maybe they could just widen the seats. full 2387 Fri, 27 Mar 2026 21:00:00 +0000 Hbko6vSebXbe3zRrrx8nYKRMYXCIfDXC news The Dana & Parks Podcast news HOUR 3: Maybe they could just widen the seats. You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News False https://player.amperwavepodcasting.com?feed-li

If you want to know how to think on your feet, you need to understand something most advice on this topic gets wrong: Thinking on your feet is not a talent. It's a trained response. And the training required goes far deeper than memorizing a few “power phrases” or practicing small talk at networking events. Real mental agility, by which I mean the kind that serves you in a boardroom, on a stage, in a heated conversation, and even in physical danger, is something you earn. And to earn it requires systematic preparation across multiple domains. I know this because I've spent decades training for exactly these moments. As a university professor, I've lectured in multiple languages to rooms of students who didn't always want to be there. And to get my PhD, I had to sit for a dissertation defense in a room where some of the examiners delighted in throwing hardball questions. As a performing musician, I've improvised solos on stages where the set list changed mid-show. While performing card magic, I've recovered from botched tricks in front of audiences who were actively trying to catch me out. And as a martial arts practitioner, I've used my training to escape three real-world physical confrontations without throwing a single punch. Then there was my TEDx Talk where I had to make real time adjustments when the audience failed to even smile at my scripted laugh lines, but chuckled substantially during parts I had not planned to be funny. https://www.youtube.com/watch?v=bqtDy68-gkY How to Think on Your Feet: The Complete Training System for Mental Agility Under Pressure What I've learned across all of these experiences is that every domain of “thinking on your feet” shares one foundational requirement. It's not intelligence. It's not quick wit. It's often not even confidence. Rather, the biggest lesson I’ve learned is that thinking quickly and responding in the best possible way comes down to the systematic reduction of ego. That might sound philosophical, but it's intensely practical. And it will become the thread that connects everything in this guide. From how to recall information instantly in a conversation to how to physically escape a threatening situation without freezing. Here's what we'll cover today: Part 1: Why “Thinking on Your Feet” Is a Trained Skill, Not a Personality Trait Part 2: The Ego Problem (Why Your Self-Image Is Your Biggest Obstacle) Part 3: Mental Recall Under Pressure (How to Access What You Know When It Matters) Part 4: Verbal Agility (How to Sound Smart, Pivot, and Recover in Conversation) Part 5: Performance Under Pressure (Lessons from Music, Magic, and the Stage) Part 6: Physical Composure (How to React When Your Safety Is at Stake) Part 7: Daily Training Exercises for Mental Agility Part 8: Loading Your Mind (Why What You Memorize Determines How Well You Think) Part 9: The Paradox of Mental Silence Let’s dive in with why most people struggle with the skill of spontaneously responding in optimal ways in the first place. Why “Thinking On Your Feet” Is a Trained Skill, Not a Personality Trait As Freud pointed out, civilization is not our natural state. In Das Unbehagen in der Kultur, which is usually translated as Civilization and Its Discontents, he argues that much of our inner tension comes from how our social training represses our instincts. “Discontents” is not really a great translation for the title of this book. “Unbehagen” means something more like “unease” or “discomfort.” And since languages and skills are something we learn, we literally have to undergo a process of discomfort to learn most things. That's not a political statement. It's a neurological one. Your brain's implicit memory system, the part that handles automatic behaviors, gut reactions, and how you repeat social patterns on autopilot, was shaped by millennia of environments that looked nothing like a conference room or a dinner party. It was shaped by physical survival, tribal dynamics, and the need to read danger before it arrives. This means that when you're put on the spot in a modern context, your brain defaults to patterns it learned through observation, not through deliberate training. And those patterns were modelled on the people around you growing up. Especially in contexts like: Being asked a question you weren't expecting Getting challenged during a meeting Having someone force you to improvise a presentation at school or work In such situations, you might find yourself freezing under pressure and not realizing that you’re actually repeating how you saw a parent go cold when you were young. Or you might find yourself getting defensive in arguments the way a sibling did, or going blank during presentations based on someone else’s blip you observed. When you repeat this behavior yourself, it’s not a character flaw. That's implicit memory doing exactly what it was designed to do: replicate observed behavior. And if you’re reading this and don’t have problems thinking on your feet, chances are that you were a lucky observer of someone who could when you were young. Combatting Implicit Memory’s Hold with Reconsolidation The problem is that your default patterns are not optimized for the situations modern life throws at you. They're survival patterns, not performance patterns. Since you’ve learned to react like those you’ve observed instead of how you’d prefer to act as a fully realized being in this world, what can you do? Fortunately, quite a bit. Neuroscientists call the mechanism behind how you can shift the hold of implicit memory on your behavior memory reconsolidation. Here’s how memory reconsolidation works in brief: Every time you recall a memory, it temporarily destabilizes. Researchers call this destabilization a “labile state.” And while the memory is transitioning, the memory can be modified before your brain stores it again. This includes modifying behavioral patterns, not just facts. So when you clam up after being put on the spot and then reflect on what happened, that freezing response is briefly open to revision. This process was first demonstrated in landmark research by Karim Nader and Joseph LeDoux at NYU, which you can read about in Memory Reconsolidation. As part of their investigation, Nader and LeDoux demonstrated that even deeply encoded fear memories could be altered during reconsolidation. Unlocking Transformation Bruce Ecker and colleagues later applied this principle therapeutically. I recommend their discussion in Unlocking the Emotional Brain: Memory Reconsolidation and the Psychotherapy of Transformational Change. As you’ll read, they discovered how long-held emotional patterns can be rewritten. Not through willpower, but through a specific process of activating the old pattern, introducing a contradictory experience, and allowing the brain to re-encode. Monica Khosla explores a parallel idea in The First and Last Belief. This fascinating book is written by someone who experiences non-dual states similar to those I shared in The Victorious Mind: How to Master Memory, Meditation and Mental Well-Being. Khosla discusses how our earliest family-formed beliefs become the templates for how we respond under pressure as adults. Her work in family therapy suggests that these templates aren’t permanent fixtures. Rather, they’re “reconsolidatable,” provided you understand how they were formed and deliberately create new experiences that contradict them. This is precisely what the training in the guide you’re reading now is designed to do. Every exercise, every practice, every discipline I’ll share works by activating your default pattern (the freeze, the defensive reaction, the blank stare) and replacing it with a trained alternative in the moment it’s most labile. The Catch But there’s a catch. There’s always a catch, isn’t there? The pattern that most resists reconsolidation is your self-image. It’s also your self-image that most aggressively defends itself against change. People literally argue for hours with therapists that they cannot change. I know because I made this argument myself for years in front of my own therapists. This is precisely why thinking on your feet requires training. You cannot simply decide to be quicker, calmer, or more articulate under pressure. You have to deliberately replace your default patterns with trained responses. And use deliberate practice to ensure those responses become the new default. The training looks different depending on the context: In conversation and debate, it means learning frameworks for organizing thoughts rapidly and practicing with real people. In professional settings, it means memorizing key information so thoroughly that recall becomes effortless, freeing your mind to think rather than search. On stage or in front of an audience, it means thousands of hours of performance practice that builds a reservoir of recoveries and pivots you can draw on automatically. In physical danger, it means martial arts or self-defense training that bypasses conscious thought entirely and produces trained physical reactions. Each of these contexts has its own training methods. But they all share the same underlying principle: the trained response must be so deeply encoded that it fires before your conscious mind has time to interfere. The single biggest source of that interference? Your ego. But never fear. As big of a problem as the ego can be, you’re going to learn how to solve and resolve it. Part 2: The Ego Problem (Why Your Self-Image Is Your Biggest Obstacle) Here's the uncomfortable truth that almost no “how to think on your feet” article will tell you: The reason most people freeze, fumble, or fail under pressure is not that they lack information or intelligence. It's that they're managing their self-image at the same time as they're trying to perform. They experience serious cognitive drain as a result. Why? Well, when you're in a meeting and someone asks you a question you don't know the answer to, your mind doesn't just process the question. If your ego is not well-managed, your mind simultaneously processes: “What will they think of me if I don't know? Will I look incompetent? How do I maintain my status?” That parallel processing consumes the very cognitive resources you need for actual thinking. The Additional Cognitive Drain of Fantasizing Your Own Wit The psychoanalyst Jacques Lacan made an observation that I've found profoundly useful in this context. He once pointed out that our fantasies are almost always better than the reality. For example, when we fantasize about being the quick-witted person everyone admires, we're constructing an idealized self-image that the real moment can never live up to. At least not all the time. You’ve probably heard the phrase “the gods have clay feet.” Well, spend enough time with accomplished performers, and you’ll start to see why. No one always has: the perfect response the devastating comeback the elegant pivot But we fantasize that some people do. And then when we don't perform like our fantasy, we experience not just the failure of the moment, but also a painful collapse of our self-image. That's why a stumble in a presentation can feel catastrophic even when the audience barely notices. The ego is experiencing a much larger injury than the situation warrants. How to Reduce Ego Before It Costs You There’s no quick fix for the ego. And ego reduction exercises so you can respond with greater self-satisfaction in the moment require: Practice in advance Consistent application in a variety of situations And in a variety of ways until responding off the top of your head from a clear mind becomes your default orientation. Then you maintain the practices that get you the spontaneous mastery you want over time. Here is a powerful place to start. Practice Stoic Premeditation The Stoics called it premeditatio malorum or negative visualization. Basically, you deliberately imagine everything that could go wrong related to the situations that regularly require your response. If you regularly visualize yourself going blank in a meeting, stumbling through a presentation, or being publicly corrected, the actual event loses its power to destabilize you. You've already experienced the worst in your imagination. The real version is almost always milder. It’s the flipside of the point from Lacan we discussed above. You’ve now made the reality much better than the fantasy. Modify the Classic Stoic Exercise You can modify premeditatio malorum in two key ways. I suggest you experiment with both techniques I’m about to describe. One: Transform Old Memories of a Disastrous Performance First, you can excavate through your memory to find situations you recall where things have already been bad for you. Then, you can “cleanse” those memories by placing them in a “Happy Memory Palace.” The scientific basis for this process comes from research showing promise in therapy for trauma, such as this study of memory reconsolidation specific to declarative memory. And there is the now classic Tim Dalgleish-headed research on using Memory Palaces or the method of loci for successfully reducing depression. For more on this kind of research, the following livestream replay gives you an exact exercise and more about the memory science behind the positive outcomes: https://www.youtube.com/watch?v=vs9UHz4pVuM In terms of how I’ve used this approach personally, I sometimes wince at one particular memory from when I sang a song during show-and-tell one morning when I was in grade two. I don’t know why I used to feel embarrassed when the memory would arise as an adult, but I could feel the sting in my cheeks. And later when I first started sharing the Sanskrit phrases I’ve memorized, that little flush of shame would arise again. So to forgive that kid whatever my memory was holding against him for his squeaky little voice, I turned the classroom into a Memory Palace and used it to memorize a delightful poem. From the point that I finished learning the poem (you can learn the process from this poetry memorization guide), I can think of that episode without that old embarrassment reviving any of its sting. And I’ve used this approach to transform other lingering memories I don’t like as well, something I’ll share more in-depth in a forthcoming book. Releasing old negative memories that involve shame makes me feel more spontaneous. And I’m confident you’ll enjoy a similar benefit too. Two: Memorize Stoic Quotes Memorizing poetry is one thing, but it takes time. You can commit quotes to memory a lot faster. I share one of my favorite quotes from Seneca in this YouTube short, one that took only a few minutes to memorize, even though it’s in Latin: https://www.youtube.com/watch?v=ISvX0-CfRkk I found this quote in Kevin Vost’s Memorize the Stoics! Although it’s not on my list of best Memory Palace Books, it provides a great look at memory training through a Stoic lens. And Vost is right: The value of having ancient wisdom on tap cannot be exaggerated. Not just for correcting your ego. You’ll also find that you have more things to say when pressed to speak on the spot. Things that have stood the test of time. Meditate Specifically for Ego Reduction Eckhart Tolle, author of The Power of Now, often says in his talks that if you are empty of thought, you don’t have to worry about what to say next during a conversation. You’ll spontaneously produce the best possible reply. I often wondered how it was possible to empty my mind of thoughts until I encountered Gary Weber’s Happiness Beyond Thought and Evolving Beyond Thought amongst other works. Although Weber’s full program requires a fair amount of time, it’s worth it for the mental space and spontaneity you’ll enjoy. Two Other Tactics for Detaching From Your Ego for Greater Spontaneity While you’re experimenting with Stoicism, here are two other tactics to explore. They’re both counterintuitive, but powerful. Embrace ignorance as a position of strength Saying “I don't know, but I'll find out” is not a failure. It's a demonstration of intellectual honesty that most people find more impressive than an imaginary answer. If your ego tells you that not knowing something is a form of weakness, push back. Admitting when you don’t know something and then doing some research and following up, builds trust at the same time as it builds your knowledge base. Detach from Needing Any Particular Outcome Your job in any high-pressure moment is not to be brilliant. It's to be present and responsive. Almost as if there is no “you” longing to be perceived in any particular way. Or desiring things to play out for or against you. When you stop trying to produce the perfect response and instead focus on actually hearing the question, understanding the situation, and responding honestly, the quality of your thinking improves dramatically. And it happens largely because you've freed up the cognitive resources consumed by your egotistical needs. You’ll also enjoy your perception of the present moment much more. Part 3: Mental Recall Under Pressure (How to Access What You Know When It Matters) One of the most common experiences of “not thinking on your feet” is this: You know the information, but you can't access it in the moment. You know your mind possesses the answer. But the pressure of the situation has locked the door. There's a neurological explanation for this. Researcher Amy Arnsten has documented how stress signalling pathways in the prefrontal cortex effectively shut down under acute stress. As we know from studies in anxiety-induced memory loss, during stress, the amygdala takes prominence over the prefrontal cortex, which is responsible for working memory, reasoning, and flexible thinking. As a result, your brain redirects resources toward fight-or-flight responses that are useful for physical survival but terrible for articulate speech. This is a major reason why you can know something perfectly in a calm environment and go completely blank when asked about it in front of an audience or in a heated discussion. The information hasn't disappeared. Your brain has simply redirected resources away from the systems that retrieve it. The Alphabet Retrieval Technique When I suddenly can't recall something (a name, a fact, a point I wanted to make), I have a technique that works more often than I'd expect: I mentally run through the alphabet from A to Z. It doesn’t always bring back the information. But the technique works often enough to make it a reliable first move, hitting the correct first letter while scanning through the alphabet triggers the retrieval. When it works, it’s because the first letter acts as a cue that unlocks the rest of the word or thought. It’s also the basis of how associative memory operates. As Dr. Gary Small has explained, your brain stores information in networks that somewhat resemble neighborhoods. And the first letter of a word is often enough of a “key” to unlock the door on a full node of information. It's the same principle behind why a song's opening notes can bring back the entire melody. Or how just a word or two of a lyric can bring back an entire verse. The “Let It Go” Retrieval Technique If scanning the alphabet doesn't work, the next best strategy is counterintuitive: Stop trying. In other words, deliberately release any attempt to search your mind for the content. Instead, move on to the next point, the next topic, the next question. Often, within 5–10 minutes, the information you were grasping for will come racing back to mind. This form of recall happens because your subconscious continues processing the retrieval request even after your conscious mind has moved on. Releasing the conscious effort actually accelerates the process, because you've removed the stress that was blocking retrieval in the first place. The Anti-Digital Amnesia Discipline You Need In order to ensure your memory gets stronger over time, you need to break the habit of immediately reaching for your phone or a search engine when you fail to recall something. Every time you outsource mental retrieval to a computer, you weaken the neural pathways that perform recall. You're training your brain that it doesn't need to do the work — and over time, it stops trying. This is the phenomenon I've written about as digital amnesia, and it's one of the most insidious threats to mental agility in the modern world. Preloading: The Real Solution to In-the-Moment Recall Both alphabetical retrieval and simply letting go are recovery strategies. They're useful when recall fails. But the real solution to thinking on your feet is to ensure that recall rarely fails in the first place. This is where a variety of memory training techniques enter the picture. Not as gimmicks, but as the foundational infrastructure for mental agility. The Memory Palace Technique Using Memory Palaces provides a core means of preloading information into your mind. Because this technique allows you to encode very large amounts of information, retrieval under pressure becomes qualitatively different from trying to recall something you passively read or heard. You literally own that information, forwards and backwards. It works because the spatial structure of the Memory Palace gives your brain a retrieval path that works even when the prefrontal cortex is under stress, because spatial memory is processed partly by the hippocampus. This is a different system than the one stress shuts down. In practical terms: If you've memorized the key points of a presentation using a Memory Palace, you don't need to “remember” them under pressure. You just mentally walk to the next room. The information is there, waiting. But it’s not merely attached to a place you know as well as your own home. It has also entered long-term memory. To learn this approach, check out The Memory Palace Technique: A Complete Step-by-Step Guide. Memory Wheels and the Art of Combination Retrieving facts, quotes, even entire passages under pressure is one thing. But what about those moments when you need to synthesize information on the spot? Such as when someone poses a complex question and the right answer isn’t a single piece of information but a combination of ideas you need to assemble in real time? This is where most people’s recall fails them entirely. They might remember one relevant point, but they can’t pull together the three or four ideas needed to construct a substantive response on the spot. I use a technique for this that dates back to the 13th-century philosopher Ramon Llull, later refined by the Renaissance memory master Giordano Bruno. It’s called ars combinatoria or the art of combination. It works by pre-organizing your knowledge onto mental structures called memory wheels so that you can rotate through ideas rapidly and recombine them in novel ways during live situations. https://www.youtube.com/watch?v=Opmb-mU-KPI Here’s the simplest version of how it works in practice: Imagine a circle in your mind with the letters A through Z arranged around it. For each letter, you’ve pre-assigned a thinker, a framework, or a principle you know well. A might be Aristotle. B might be a breathing technique. C might be a core value you hold. M might be Marcus Aurelius. S might be the Stoic concept of premeditatio malorum. When a difficult question hits you in conversation, instead of grasping for one perfect answer, you mentally spin the wheel. Instead of searching randomly for something to say, you approach the task of coming up with something to say by scanning an organized inventory of your best thinking. Because you’ve pre-loaded and spatially arranged all of it, your mind can traverse what you’ve already learned quickly. Memory Wheel Example One of my favorite Memory Wheels is populated with philosophers (one for each letter of the alphabet). When I’m confronted with a complex topic, I rotate through and consider what Aristotle would say and then move on through as many philosophers as I like, all the way to Zizek for Z. I know this technique sounds elaborate and it requires having read the best philosophy books, but once you have a Memory Wheel built and practiced, the rotation takes seconds. Here’s a rapid fire discussion with a few more examples from one of my YouTube shorts from the road in Brisbane: https://www.youtube.com/shorts/29nOib2ZS_4 Please don’t overlook this technique. It produces responses that are genuinely multi-perspectival, not just whatever my default opinion happens to be. The deeper history of this technique and detailed instructions for building your own memory wheels are covered in my full guide to Ramon Llull’s memory wheel method. But the principle you can apply immediately upon developing your own memory wheels is this: If you pre-organize your knowledge into a spatial structure rather than leaving it scattered across your memory, you gain the ability to not just recall individual facts under pressure but to combine and recombine ideas on the fly. That is the difference between someone who can answer a question and someone who can think through a problem in real time. It’s not speed without purpose. It’s architecture with a sense of direction based on the shoulders of giants. Part 4: Verbal Agility (How to Sound Smart, Pivot, and Recover in Conversation) Verbal agility isn't about having a quick tongue. It's about having a calm mind with a deep well of material to draw from. The people who seem effortlessly articulate in conversation are rarely making it up on the spot. They're drawing on vast reserves of pre-loaded knowledge, practiced frameworks, and rehearsed transitions. What looks like spontaneous brilliance is actually the visible tip of an enormous iceberg of preparation. Frameworks for Organizing Your Thoughts Rapidly When someone throws a topic at you and you need to respond coherently, having a mental framework prevents the rambling that makes people sound unprepared. Here are several that work, provided you practice using them before they’re required in real-life situations: The PREP Framework PREP stands for: Point Reason Example Point It’s a very powerful formula to practice during debates as well as in conversation. When using PREP, you state your position, give one reason, illustrate with one example, then restate your position. This takes 30–60 seconds and helps keep your replies structured without sounding rehearsed. The WRAP Technique I learned this one from Chip and Dan Heath's Decisive. WRAP stands for: Widen your options Reality-test your assumptions Attain distance before deciding Prepare to fail I placed WRAP on a memory wheel and demonstrate how to run through it mentally in this ars combinatoria video tutorial: https://www.youtube.com/watch?v=0cYDmaBXvJg What to Do When You're Stumped Even with the frameworks we just discussed or tactics like running through the alphabet, you will experience situations where you simply don't have a response. Here are more strategies you can try. Pause Peacefully Although falling silent can feel painful when you first start practicing it, rest assured that it barely registers to the person listening. And in many cases, a two or three-second pause before responding signals thoughtfulness, not ignorance. Most people rush to fill silence because their ego can't tolerate appearing slow. But a measured pause followed by a substantive response is always more impressive than a rushed response followed by backtracking. Seek Clarification There’s nothing wrong with asking people: “Can you say more about what you mean by that?” or “Are you asking about X or Y specifically?” Such questions will not stall the conversation. It's genuine intellectual engagement, and it often reveals avenues for further conversation that would not be revealed any other way. Use the Truth You might not know this, but many people find it refreshing when someone admits that something is outside of their area. Nir Eyal did that on my podcast a few years ago and I’ve never forgotten his willingness to “stay in his lane,” as he put it. The best part? Nobody penalizes honest uncertainty and a request to move on if you really don’t have a settled opinion on some matter or any expertise. Practice Physical Awareness Sometimes when we’re stumped, our body tenses up. Shoulders rise, the jaw clenches and breathing shallows. This physical tension feeds back into your mental state and makes mental freezing worse. But deliberately dropping your shoulders and taking one slow breath can help break the cycle. More on this kind of physical solution is coming up in Part 6. Practice Steelmanning One of the most powerful exercises for verbal agility is practicing steelmanning. Related to the principle of charity in rhetoric, steelmanning is the practice of arguing for positions with which you disagree. But not half-heartedly. No, you make the argument in the strongest possible terms. One simple way to practice steelmanning involves getting a friend to throw topics at you randomly. Your job is not to argue your own position, but to construct the best possible argument for the opposite side. This practice accomplishes three things simultaneously: It forces you to think through ideas from perspectives you wouldn't naturally adopt, which builds cognitive flexibility. It trains you to separate your ego from your position, because you're explicitly not defending your own views. It prepares you for actual debates, because you've already rehearsed the strongest version of your opponent's argument. For more tips that will help you in this department, check out my guide to preparing for debates. The Improv Principle If you take one thing from this section and act on it, let it be this: Take an improvisation class. Why? Improv comedy training provides you with the single most transferable skill for verbal agility in any context. The core principle of improv is quite easy. You simply answer everything with either “yes, and…” or “no, but…” This simple structure teaches you to accept whatever is thrown at you and build on it rather than blocking or deflecting. This is the exact skill you need in meetings, conversations, presentations, and debates. Improv also provides the one thing you can't get from reading articles: Real-time practice under social pressure while receiving immediate feedback. No amount of theory replaces the experience of standing in front of a group with nothing planned and having to produce something. It’s been a long time since I took an improv class, or any class. But you really only need one round to create a permanent transformation. Part 5: Performance Under Pressure (Lessons from Music, Magic, and the Stage) If you've never performed music, theatre, magic, public speaking, or any other form of real-time presentation, you may not realize how much of “thinking on your feet” is simply having enough trained material that you can recover from anything. The principle applies far beyond the stage. But the stage is where the principle is most visible, so let me share what I've learned from three performance disciplines. Music: Improvisation Is Built on Structure & Self-Awareness When I studied music, I learned something that most non-musicians find surprising: improvisational soloing requires more preparation than playing a written piece. A written piece has every note specified. You practice it, you perform it, you're done. An improvised solo, on the other hand, requires you to internalize the underlying structure so thoroughly that you can navigate it in real time without conscious planning. You need to know the modes, the chord changes, the rhythmic patterns, the phrasing conventions. And you need to know them so well that they're available to your fingers before your conscious mind has time to think about which note comes next. I know this from decades of musical experience. But my life in music almost never happened at all. In grade five, I failed a recorder test. It was given as a prerequisite for joining band class in grade six. The reason, though I didn’t have the language for it at the time, was a condition then called image-deficit disorder, now known as aphantasia. I couldn’t visualize what my teachers were asking me to see on the recorder or the sheet music. And the boring mnemonic sentences they gave us for remembering the notes made no sense to me. The school’s verdict in the face of my supposed failure? No band class. My dad changed that. He rolled up to the school on his Harley Davidson and had a conversation with the administration that I wasn’t privy to. Whatever he said, it worked. I was in. So long as I played the trombone instead of my dream bass guitar. They thought trombone would be easiest for me with its one simple slide. The Art of Coping By Copying But getting into band class didn’t mean I could play. In fact, for the entire first year, I sat beside another trombonist who picked up every note like it was nothing. I survived by watching his slide positions and copying them. I wasn’t reading music. I was reading him. The next year, in grade seven, the teacher gave us separate parts, and my copying lifeline was over. I remember sitting alone in a room with that trombone, sweat rolling down my face, sheet music on the stand turning my brain into wet sawdust. It felt like staring at an explosive I didn’t know how to defuse. But something shifted as my juvenile brain worked to solve the problem. Once I was forced to actually engage with the notation instead of mimicking someone else, I started seeing patterns. The theory behind the notes began to click. My teacher noticed the transformation quickly, both in performance and on my written tests. Later that year, she encouraged me to enter a sight-reading competition. Even though I didn’t win, I remember the thrill of performing music I’d never seen before. And because my teacher saw how deeply I’d started engaging with music, she helped me secure a spot at the local summer school of music before high school. That summer changed my trajectory. I studied with a celebrated trombonist from Canadian Brass. My skills went up substantially, and after a solo I played during the final concert, I was asked to audition for the Kamloops Rube Band. I turned that invitation down and finally retired the trombone for a bass and joined a heavy metal band instead. Over the years that followed, I played in multiple bands, learned increasingly complex music, and eventually realized a lifelong dream: going on tour with an established band. Memory expert Anthony Metivier performing at a concert in Germany. The Lesson That Changed How I Perform And it was during that tour, playing with a sophisticated band called The Outside, that I received perhaps the most important lesson about thinking on your feet that music ever gave me. After a show, our drummer Tito told me I’d missed a few notes. I braced for a critical lecture, but he said something I’ve never forgotten. It was an important tip that has everything to do with the practice of thinking on your feet: “The real problem isn’t missing the notes. It’s looking like you made a mistake. If you look like you made a mistake, it is a mistake.” From that moment on, I trained myself to improvise how I looked just as much as how I sounded. A missed note played with confidence reads as a creative choice. A perfect note played with visible anxiety reads as a near-miss. The audience often doesn’t hear your mistakes, but they do see your reaction to them. This principle extends far beyond music. It shows up in meetings, presentations and conversations. Your stumbles themselves are almost never what people remember. They remember whether or not you flinched. And to tie this all back to the beginning, flinching is an ego response. It’s the visible evidence of caring more about how you appear than about what you’re communicating. Tito didn’t know he was teaching me about ego reduction back during that tour in 2013. But that’s exactly what his lesson was. Card Magic: Multiple Outs and Recovery In card magic, which is especially useful in memorized deck magic, there's a concept called “multiple outs.” I think about it constantly in non-magic contexts. A multiple out is a tactic you might never use, but always have something prepared so that no matter what the spectator does, you conclude the trick successfully. In other words, no matter which card they choose, which pile they point to, which decision they make, you have a prepared path to a successful conclusion. The spectator thinks they're making free choices. In reality, every choice leads to the same place, or to one of several equally impressive endings. This is exactly how preparation works for thinking on your feet. If you've prepared thoroughly for a meeting, you don't just have one argument. You have multiple arguments, multiple examples, multiple pivot points. If someone challenges your position, you have an “out.” If someone asks an unexpected question, you have another “out.” The more preparation you've done, the more outs you have. Magician in Trouble There's also a sub-genre in magic called “magician in trouble” where the performer intentionally appears to make a mistake, building tension before a surprising recovery. What the audience doesn't realize is that the “mistake” was planned and the recovery was rehearsed. But it only works because the performer has done thousands of hours of practice behind the scenes. If you’re having trouble acting spontaneously, learning a few magic tricks is one of the best things you can do. The more tricks you know, the more you can make mistakes and recover. If one trick goes wrong, you transition to another. If a spectator does something unexpected, you have a different trick that accommodates their choice. The depth of your repertoire is directly proportional to your ability to handle anything. Translate this to your professional life: The more tools, frameworks, examples, and stories you have memorized, the more “tricks” you can draw from when a conversation or presentation goes sideways. https://www.youtube.com/watch?v=kvtYjdriSpM Two Levels of TEDx Improvisation Where Preparation Met Reality Minutes before I was due on stage for my TEDx Talk, a long-time fan showed up without a ticket. From what I gathered, he’d traveled to attend the event in Melbourne. And I could tell he was genuinely excited. But he didn’t have a ticket. And when the venue staff told him he couldn’t come in, due to fire capacity rules, we were both frustrated. Anyone with two eyes could see that the room wasn’t actually full. But there was no time to argue the bureaucracy. I was about to deliver the most important presentation of my career, after all. This is exactly the kind of moment that derails people. Not the talk itself, but the things that happen right before you hit the stage. I’m talking about the unexpected disruptions that flood your system with cortisol at the worst possible time. My ego wanted to fight for this person’s entry. It wanted to make a scene about the absurdity of empty seats and fire codes. It wanted to be the hero who fixes things. Instead, thinking on my feet, I suggested we meet for dinner after the talk. He understood. We shook hands. And then I had approximately four minutes to completely reset my mental state before walking on stage. Here’s what I did, standing backstage where nobody could see: I placed my hands behind my back and began Kirtan Kriya. This is a four-syllable meditation (Sa, Ta, Na, Ma) combined with a sequential mudra where your fingers tap. Gary Weber teaches it in this video: https://www.youtube.com/watch?v=ehvokeZnXMM By using the technique with both hands behind my back so no one would see, I simultaneously slowed my breathing and brought myself back to center. Between breath cycles, I also ran a quick body scan from my feet to my scalp, deliberately releasing tension wherever I found it. Jaw, shoulders, hands, the major muscle groups. By the time they called my name, I was calm. Not confident in the way people usually mean. I wasn’t puffed up or “psyched” to give my speech. Just calm in the way that comes from having emptied the bowl. The fan situation was gone from my mind. The ego’s need to intervene was gone. What remained was a mind with nothing in it except a memorized talk and the willingness to deliver it to whoever was in that room. What To Do When the Room Doesn’t Follow Your Script Shortly after my talk began, the room did something I hadn’t planned for. A scripted joke that had worked perfectly to create laughter during the dress rehearsal the day before landed in silence. Not awkward silence. Just… nothing. The audience looked at me with interest but no laughter. A few minutes later, during a section I hadn’t intended to be funny at all, they laughed. Genuinely. A speaker working from notes would have been buried in their script at that moment, unable to read the room because their eyes were on the page. But my entire talk was encoded in Memory Palaces using the technique I teach in my guide, How to Memorize a Speech. I didn’t need to look at any notes. I could look at everyone and connect with them directly. So I did and leaned into their laughter. I let it breathe. I adjusted my pacing to ride the energy they were giving me rather than forcing the energy I’d planned. Going with the flow, I made an unscripted joke and it landed. And when the moment passed, I stepped to the next station in my Memory Palace and continued on with the talk. What the Audience Saw vs. What Actually Happened The audience experienced this as spontaneity. They saw a speaker who was loose, present, reading the room. What actually happened was decades of training expressing itself through a four-second decision. The musical performance training that taught me to keep playing through mistakes without flinching. The card magic training that taught me to have multiple outs when a planned effect doesn’t land. The teaching experience that taught me to read a room full of people who may not be responding the way I expected. And underneath all of it, my ego-reduction efforts shone through, including the willingness to let go of the talk I’d planned and deliver the talk the audience needed. After the event, several people told me how natural and relaxed I seemed. One person said it felt like I was just talking to them, not giving a speech. That’s the highest compliment a speaker can receive. And it was entirely the product of preparation. But nothing about that talk was spontaneous other than the joke I made up on the fly. Otherwise, every word of that talk was memorized verbatim. The audience saw someone thinking on their feet. What they were actually seeing was someone falling back on their training. That, and they witnessed someone with enough training to fall back on. That is the difference. And it’s available to anyone willing to put in the work before the moment arrives. Part 6: Physical Composure (How to React When Your Safety Is at Stake) There are situations where “thinking on your feet” has nothing to do with being articulate or quick-witted. Quite the opposite. There are many moments in life when thinking itself is the problem, especially during situations where what you need is a trained physical response that fires before your conscious mind has time to interfere. I've been in three of these situations. Each time, it was my years-long Systema training that kept me safe. In case you don’t know it, Systema is a martial art focused on breathing, relaxation, and fluid movement under stress. To be clear, it didn’t help me fight. It helped me because it stopped fights from erupting in the first place. Let me explain. Incident One: The Attempted Mugging While writing my dissertation, I was living in Washington Heights, a district north of Harlem in New York City. I was walking south, down to the 170s from the corner of 187th and Cabrini, where I’d stopped to use a bank machine. On my way out, a man stood in front of me with something resembling a gun in his pocket. Exactly as it happens in the movies, he gestured in quick spurts of energy so that my eyes dropped and looked at his pocket. “Give me your wallet and all your money,” he demanded. My Systema training kicked in. Instead of having my shoulders shoot up with anxious tension — the default I’d seen in almost every new student Emmanuel Manolakakis worked with, including me during my first lessons — my mind automatically followed the training I’d received. Without willing it, my shoulders dropped and my mind and body synced with my breath. In a way that still completely bewilders me, a smile came across my face. I don’t know what I looked like, but my expression unnerved the mugger. It created the stress in him that should have been in my body. After what seemed like an eternity, the mugger said, “Wipe that smile off your face or I’ll shoot you.” At this point, my smile grew wider and I started to laugh. An instant later, it felt right to move. I took one step forward into his space and angled to the left with the second and third steps. I didn’t break his gaze and watched as his eyes and entire head tracked me as I moved past him. Then, still operating completely on autopilot, I started to run and found myself in a cleaning supplies store filled with mops and buckets. No confrontation. No escalation. No ego. Just a trained body responding faster than a thinking mind would have. My Systema training, from breath coordination to deep muscle relaxation and long hours of practice with dropping into calm during situations of simulated threat, delivered exactly what it was designed for: bypassing the conscious mind that would have frozen me and let the body handle the situation. Incident Two: The Dark Path in Toronto Some time later, walking in Toronto, I approached a path at the end of a high school field. It was too late to be taking this popular shortcut, but there I was during a night that was far darker than I would have liked. There was just one street lamp hanging over that path, and its bulb was barely working. Before I stepped onto the path, I put a dime on my thumb. I didn’t think about why. There was no conscious strategy at work. My body simply did what training had taught it to do: prepare for the possibility of contact without committing to a plan. Sure enough, someone stepped into my path. I flicked the dime. The coin caught his gaze and seized his attention, producing a few seconds of involuntary visual tracking. This is the same reflex that makes every human eye follow sudden movement. Thanks to the distraction created by the spinning dime, I moved past him easily and paced off into the distance before his focus returned. The entire encounter lasted maybe three seconds. There was no conversation, no confrontation, no mental calculation. Just a trained response that created a tiny window of distraction and an immediate exit through it. I still think about the fact that I put the dime on my thumb before anything happened. It wasn’t a decision so much as it was a product of procedural memory — the same memory system that helps a musician’s fingers find the right fret before their conscious mind has named the note. Systema trains you to read environments the way musicians read chord changes. Not by analyzing, but by responding to patterns your body has trained to respond to inside the dojo. Incident Three: Outside the Post Office The third incident was the strangest. Outside a post office, someone with a grievance I didn’t fully understand began yelling at me aggressively. His body language was escalating and the situation felt like it could turn physical. My response was immediate: I raised my hands into a prayer gesture. With my palms together and fingers standing straight up, I found myself saying “thank you” over and over. I wasn’t being clever. I wasn’t trying to defuse the situation with wit. The gesture came from training, and it served two purposes simultaneously that I was only partially aware of in the moment. First, it put my hands in a position to quickly block any incoming strike. The prayer position is a natural guard because your hands are high, elbows close and forearms ready to redirect. I mean, it’s not going to make you bulletproof, but it’s just as disarming as the smile I delivered back during the mugging I survived in New York. Second, my response psychologically short-circuited the man’s aggression. Being thanked while you’re on the offensive is so dissonant that the brain doesn’t know how to process it. This person’s rhythm broke. His volume dropped. The escalation stalled because the script he was running had been interrupted by a response that didn’t fit. He didn’t thank me back. But at least he stopped. And I walked away unscathed. The Common Thread: No Ego, No Thinking, Just the Fruits of Training In all three incidents, the pattern is identical: Because the ego was out of the way, I wasn't trying to prove anything or “win” the encounters. There was also no conscious thinking. The responses were physical, automatic, and executed faster than mental deliberation would have allowed. Plus, there was relaxation under threat. The counterintuitive act of relaxing when threatened, which Systema specifically trains, prevented the freeze response that ego and fear typically produce. Finally, the strategy in each case was oriented toward getting away, not engaging. For anyone who wants to develop this dimension of thinking on their feet, I strongly recommend studying a martial art that emphasizes relaxation, awareness, and movement rather than aggression and force. Finding Your Own Physical Practice If personal experiences make you want to sign up for Systema, I’d encourage it. But I’d also encourage any martial art that emphasizes awareness, breathing, and relaxation over aggression and force. The point is not to become a fighter. The point is to develop a body that responds to threat with trained composure rather than untrained panic. Beyond martial arts, I practice Qigong daily and have for years. It’s not a combat discipline, but it trains the same foundational skills experienced in a gentler format: Breath coordination Bodily awareness Relaxation under tension For someone who has no interest in martial training, Qigong offers many of the same benefits for composure and physical presence without ever throwing or receiving a strike. Whatever physical practice you choose, I’d offer one caution: Don’t romanticize these practices or turn them into a glamorous fantasy. Remember the lesson from Lacan and the Stoic lessons that make sure reality is better than fantasy if and when real situations of trouble land. The three incidents I described above weren’t action sequences. They were awkward, brief, and slightly absurd. I didn’t defeat anyone. I smiled, flicked a coin, and said thank you. The training didn’t make me dangerous. It made me calm enough to exit each situation without a scratch. And that brings me to what I consider the most important physical skill of all, one that doesn’t require any formal training: situational awareness. Train for Situational Awareness In each of the three incidents, there was a moment before contact where my body registered something my conscious mind hadn’t articulated yet. In Washington Heights, I noticed the man’s posture before he spoke. In Toronto, something made me put a dime on my thumb before I entered the dark path. Outside the post office, I registered the escalation in body language before any words were exchanged. To train for greater situational awareness, walk with your phone in your pocket instead of your hand. Move around the world with your ears empty instead of listening to music or podcasts. When you enter a room, notice the exits. When you’re in an unfamiliar environment, pay attention to who is around you and how they’re moving. These aren’t paranoid habits. They’re the same environmental reading skills your ancestors used every day. Modern life has simply given us the luxury of ignoring them. There is almost no better way to think on your feet than the thinking that steers you clear of sticky situations in the first place. When it comes to physical confrontation, the best-trained response is the one you never have to use. Part 7: Daily Training Exercises for Mental Agility Everything discussed so far requires ongoing practice. Here are the specific daily exercises I use and recommend, organized from quick (2 minutes) to involved (30+ minutes). Breathing Techniques (2–5 minutes) Before any high-pressure situation, be it a presentation, a meeting or a difficult conversation, controlled breathing is the fastest way to shift your nervous system from sympathetic (fight-or-flight) to parasympathetic (calm and focused). The simplest technique: Breathe in for 4 counts, hold for 4 counts, breathe out for 6 counts. The extended exhale activates the vagus nerve and physically slows your heart rate. Do this for 2 minutes and you'll enter any situation calmer and more mentally available. For more advanced breathing techniques, check out this video tutorial I made for you: https://www.youtube.com/watch?v=YeO06_uZZcg   Progressive Muscle Relaxation (5–10 minutes) Systematically tensing and releasing muscle groups, from your feet to your face, trains your body to release the physical tension that accumulates under stress. Over time, you develop the ability to detect and release tension in real time — during a conversation, during a presentation, during a confrontation. This is the body scan component that I used before my TEDx Talk, and it's a core element of Systema training as well. The ability to scan your body for tension and deliberately release it is a physical skill that directly supports mental agility. Steelmanning Practice (15–20 minutes) Get a partner. Have them throw random topics at you. Your job: argue the strongest possible case for the position you naturally oppose. Switch roles. Do this twice a week and within a month you'll notice a dramatic improvement in your ability to think through problems from multiple angles under time pressure. Now, you might think about going to Chat-GPT or some other LLM. You can certainly give this a try. However, beware of context-dependent memory and state-dependence issues. If you only train in digital environments with a bot, you will likely find that you perform fine when sparring with a computer, but flounder with a human. As this study found, training in certain environments creates less cognitive fatigue than others. So if you come to develop certain beliefs about the difficulty of discussing things based on experiences with chatbots, you will probably not like the energy-drain you encounter when dealing with humans. Remember: we tend to fight the way we train, so practice all rhetorical argumentation in a variety of environments, never just one. Random Topic Riffing (10–15 minutes) Have someone give you a topic and speak about it for 2 minutes without stopping. What you say doesn't need to be brilliant, but work at speaking continuously. The exercise trains your brain to keep producing output even when it doesn't feel ready, which is exactly the skill you need when put on the spot. Increase difficulty by having the topic-giver interrupt you with new topics mid-stream. This trains your ability to pivot and shift directions without losing composure. Memory Palace Practice (15–30 minutes) Every time you encode information using a Memory Palace, you're doing more than memorizing. You're building the retrieval infrastructure that makes recall under pressure possible. Regular Memory Palace practice is the single most important investment you can make in your ability to access information when you need it. The more you memorize, the more you should seek to incorporate memorized material into your steelmanning and random riffing practice routines. Alphabet Drills and Multiple Mentality (5–15 minutes) One of the most unusual training systems I’ve encountered comes from Harry Kahne, a performer from the 1920s who could write with both hands simultaneously while reciting poetry from memory. He called his approach “Multiple Mentality” because it’s the deliberate practice of running several mental operations at once. His exercises sound deceptively simple. The foundational one: write out the alphabet backwards from memory. Not from Z-A printed on a card. From memory, cold. Most people find reciting the alphabet backwards surprisingly difficult the first time. But once you can do it? That’s when the real training begins. Kahne then asks you to pair the alphabet’s extreme ends mentally: A-Z, B-Y, C-X, working inward. Then start from the center and pair outward in reverse. These are pure concentration drills because they force your brain to hold a structure in working memory while performing various forms of recall. I go deeper into the full Multiple Mentality system and all of Kahne’s exercises in my detailed review of his course, including the parts I think are brilliant and the parts where I respectfully disagree with him. Part 8: Prepping Your Mind (Why What You Memorize Determines How Well You Think) Most of us know that the quality of your thinking is directly proportional to the quality of what you've committed to memory. A mind loaded with poetry, philosophy, scientific principles, historical examples, memorable quotes, and well-understood frameworks will produce richer, more nuanced, more creative responses under pressure than a mind that relies on whatever it happens to recall from last week's reading. This is not about showing off. It's about having raw material that makes you mentally dexterous. And gives you information you can use in an instant. What to Memorize for Maximum Mental Agility As you’ve seen, I strongly recommend memorizing quotes and poems. Because memorized poetry gives you access to compressed wisdom, beautiful language, and emotional resonance that you can draw on in conversation, writing, and thinking. Likewise, you can learn how to remember a story. https://www.youtube.com/watch?v=DM4TxD6ez1Y When you've memorized a poem or story, you own the content in a way that reading on its own never provides. The lines and structures become part of your mental vocabulary. I've memorized dozens of poems and passages of verse, and they surface constantly in conversation, in my writing, in my thinking about problems that have nothing to do with literature. Memorize Speeches for Mental Dexterity Likewise, you can seek out speeches from people like Churchill, Lincoln, Martin Luther King Jr. and Marcus Aurelius. The words of leaders who were themselves masters of thinking on their feet make for excellent training material. When you've memorized their words, you internalize their patterns of thought. You don't just quote them. You begin to think in the structures they used. Learn to Tell Jokes Like improv, humor provides you with one of the ultimate forms of thinking on your feet. And telling jokes is far more learnable than people assume. To get started, commit a few jokes to memory and study their structure. You’ll soon notice that a good joke is a tiny argument: The setup establishes expectations The twist violates the expectations The punchline resolves the violation in a surprising or ironic way This simple structure is not so different from the PREP framework we discussed above. Practice Parroting and Accent Imitation Imitating a famous actor might sound like a party trick, but it's actually a profound exercise in sharing another person’s perspective and behavioral patterns. To imitate someone convincingly, you have to at least try and understand how they think, how they move and how they use language. As a result, the understanding you develop translates directly to the ability to read and respond to different people in different contexts. I’m not particularly good with foreign accents or imitating people. But merely by putting time into practicing a few people, I’ve learned a lot and become more spontaneous on my feet. Reflective Thinking Practice Memorization alone isn't enough. The material you memorize needs to be processed through reflective thinking. This is the practice of deliberately considering what you've learned, connecting it to other things you know, and forming your own positions. I do a lot of my reflective thinking through journaling, through conversation with carefully chosen friends, and through a practice I've maintained for years: regularly re-reading books I've already read, looking for things I missed the first time. All of these practices transform static knowledge into dynamic intellectual resources you’ll draw upon with great ease when you find yourself put on the spot. Part 9: The Paradox of Mental Silence We've covered a great deal of ground today: ego reduction, memory techniques, verbal frameworks, performance training, martial arts, daily exercises, and the art of loading your mind with quality material. And now I want to end with something that sounds like a contradiction but is, in fact, the deepest truth about thinking on your feet: The goal is not to think faster. Rather, it’s to create the conditions where you don't need to think at all. I know this sounds paradoxical. How can “thinking on your feet” require not thinking? It’s because the highest level of performance in any domain doesn’t just look like effortlessness. It actually is, if only in the present moment. I’m talking about the musician who plays a transcendent solo. That performer isn't thinking about which notes to play. Nor does the martial artist who evades a strike sit there thinking about which direction to move. And the speaker who delivers a perfect response to an unexpected question isn't thinking about what to say. They’re drawing upon deep preparation. In each case, the performer has trained so deeply that the right response emerges from a place beneath conscious thought. The preparation started long ago. Practice has quieted your fantasies, both positive and negative. And what remains is a mind so well-prepared that it can be still during the demands and in that stillness, the right response simply appears. This outcome is common in the world of mindfulness and meditation, where practitioners describe the experience of being “full by being empty.” In order to receive the moment as it actually is (not as your ego wants it to be, nor as your anxiety fears things might go wrong), you just have to empty your mind of the noise that normally fills it. Your Next Step If this article has shown you anything, I hope it's this: thinking on your feet is not a gift. It's the product of deliberate, ongoing training across multiple domains — mental, verbal, physical, and philosophical. The foundation of all of it is memory. Not “good memory” as a vague trait, but trained memory — the ability to encode, store, and retrieve information on demand, under pressure, in any context. If you want to start building that foundation, I've created a free course that teaches you the core Memory Palace technique in four video lessons. It's the same starting point my Masterclass students use, and it will give you your first experience of what trained recall feels like. For even deeper training that includes the Memory Wheel technique, ars combinatoria, advanced Memory Palace strategies, and the Recall Rehearsal patterns that make long-term retention predictable, my Magnetic Memory Method Masterclass takes you through the complete learning system. And if you want to explore the meditation, breathing, and muscle relaxation routines I've combined with memory training for maximum mental composure, I go into all of that in The Victorious Mind. So what do you say? Are you ready to stop worrying about what you’ll say next and start training so deeply that the right response arrives on its own? Remember: the secret every performer, martial artist, and memory expert discovers is ultimately the same. You don’t rise to the level of the mome

In this episode, the SaDBoys talk about the Fruit of the Loom DB, Ethan's love for his new bib shirt, and Spencer's fascination with vintage sportswear. You know: warm-up jackets and short shorts. Also, we get into a deep discussion about the Aperture of Acceptibility and how people's acceptance of our bold fits isn't static, but *dynamic*. This isn't done just through piecemeal edits of our outfits but also through intentional, social moves like mingling fashion friends into your friend groups, actively making Occasions for dressing up, and sharing your interests and how they connect with your clothing choices. There's also the fact that being bold yourself could help Widen the aperture for other people and may even encourage them to dress up themselves, if they want to! So much of our confidence comes from the bold dressers who came before! Ethan's Blog: https://alittlebitofrest.com/2026/03/18/fashion-dbs-literal-sportswear-and-the-aperture-of-acceptability/ https://alittlebitofrest.com/2026/03/18/the-ornate-and-cheeky-attitude-of-the-bib-shirt/ Support us on Patreon and join the Discord: https://www.patreon.com/styleanddirection/ Follow us on Instagram! www.instagram.com/styleanddirection/ Podcast is produced by MJ

AP correspondent Julie Walker reports Gulf states intercept new missiles and drones as Iran threatens to widen the war.

To examine the collateral damage to the region we speak to Raya Jalabi, Middle East Correspondent for the Financial Times, and The Economist's Gregg Carlstrom

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

In Azerbaijan, two people have been injured after Iranian drones hit an airport and landed near a school building. Explosions have been heard over Bahrain and Qatar. Correspondent Blake Sifton spoke to Ingrid Hipkiss from Dubai.

The Smart 7 is an award winning daily podcast, in association with METRO, that gives you everything you need to know in 7 minutes, at 7am, 7 days a week…With over 20 million downloads and consistently charting, including as No. 1 News Podcast on Spotify, we're a trusted source for people every day and we've won Gold at the Signal International Podcast awardsIf you're enjoying it, please follow, share, or even post a review, it all helps... Today's episode includes the following:https://x.com/i/status/2029191121713147956 https://x.com/i/status/2029186465733734772https://x.com/i/status/2029175656899060176 https://x.com/i/status/2029172189744836888https://x.com/i/status/2029182332146475293 https://x.com/i/status/2029143565310316753 https://x.com/i/status/2029329397229015289 https://x.com/i/status/2029035918578073733https://youtu.be/7QoyYq8JMCwContact us over @TheSmart7pod or visit www.thesmart7.com or find out more at www.metro.co.uk Voiced by Jamie East, using AI, written by Liam Thompson, researched by Lucie Lewis and produced by Daft Doris. Hosted on Acast. See acast.com/privacy for more information.

The Texas Democratic Senate primary between James Talarico and Jasmine Crockett is too close to call after a chaotic night of court rulings and polling site confusion in Dallas County. Homeland Security Secretary Kristi Noem facing sharp questioning on Capitol Hill, including rare Republican criticism during a tense Senate Judiciary hearing. The conflict with Iran widening across the region as retaliatory strikes continue, and new polling shows most Americans are still unclear on the administration's objectives. A brutal bus stop stabbing in Virginia igniting a standoff between the state's Democratic governor and federal immigration officials over deporting the suspect.   Herald Group: Learn more at https://GuardYourCard.com   SelectQuote: Compare top‑rated life insurance options. Visit https://SelectQuote.com/megynto get the right coverage at the right price. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

① A top meeting in China has described the next five years as a critical period for socialist modernization. How will China focus on economic development during its 15th Five Year Plan? (00:46) ② Why is Canada putting aside the frictions over the killing of a Sikh activist and seeking to re-engage with India? (10:24) ③ Iran has vowed to use all its strength to make its enemies pay a heavy price following the death of Supreme Leader Ayatollah Ali Khamenei in US-Israeli strikes. To what extent could the conflict widen? (24:58)

AP correspondent Julie Walker reports Israeli strikes rock Tehran as Iran's counterattacks widen after the killing of its supreme leader.

Experts say a proposal for Pharmac to widen access to two medicines for advanced melanoma will improve outcomes. Oncologist Dr Gareth Rivalland spoke to Corin Dann.

The HSE is set to review the cases of 62 children who had spinal care at Children's Health Ireland following concerns that some surgeries did not lead to the expected outcome. Speaking to Anton this morning was David Cullinane, Sinn Fein spokesperson for Health and TD for Waterford.

What if the real danger in life isn't failure … but comfort?

If you pay attention to street signs in Chicago, you'll notice imperfections and many quirks. Paul Durica of the Chicago History Museum said a coworker informed him that North Avenue becomes North Boulevard when you're east of Clark Street. “And I was like, what?” Durica recalled. “And it does! And it's because here we are, now in the park.” One of Chicago's major arteries, Ashland Avenue, has a rich history of its own. In our last episode, we looked at why streets like Ashland are occasionally labelled boulevards (like North Boulevard, sometimes the answer is because the street is adjacent to a park). Today, we're looking closer at the history of Ashland Avenue, including how it became a major thoroughfare and why the city widened it at great expense 100 years ago. (The short answer? To accommodate car traffic.) Contributing are Durica and Northwestern Professor Bill Savage, author of a forthcoming book on the anomalies and politics behind Chicago's grid system.

Natalie Brunell and former Federal Reserve insider Danielle DiMartino Booth break down the escalating battle between Trump and Fed Chair Jerome Powell, the explosion in gold prices, and why Bitcoin is still trading like a "risk-on" asset instead of digital gold. We discuss:  Why the Fed–White House showdown could change monetary policy Will Powell be a "shadow Fed Chair" beside Kevin Warsh? Was gold's rally a bubble or the start of a new era  Why Danielle calls Bitcoin the ultimate gauge of risk appetite The labor-market crisis facing young Americans Returning to a gold standard?  Danielle is CEO and Chief Strategy is QI Research: https://quillintelligence.com  ---- Order Natalie's new book "Bitcoin is For Everyone," a simple introduction to Bitcoin and what's broken in our current financial system: https://amzn.to/3WzFzfU  --- Coin Stories is powered by Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. Learn more at https://www.gemini.com/natalie  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  ---- Natalie's Bitcoin Product Partners: For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  With BitcoinIRA, you can invest in bitcoin 24/7 inside a tax-advantaged IRA. Choose a Traditional IRA to defer taxes, or a Roth IRA for tax-free withdrawals later. Take control of your future with BitcoinIRA: https://www.bitcoinira.com/natalie  Natalie's Upcoming Events: Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Strategy World 2026 in Las Vegas on February 23-26th - Use code HODL for discounted tickets: https://www.strategysoftware.com/world26    Extra Services to Consider: Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

In today's Tech3 from Moneycontrol, we break down how the Economic Survey 2025–26 is pushing back against fears of mass AI-driven job losses while outlining India's real strength in application-led innovation. We also track Ashok Soota's exploration of a stake sale in Happiest Minds, Swiggy's widening year-on-year losses despite strong Instamart growth, and Meta's plan to nearly double its AI spending with up to $135 billion in capital expenditure for 2026.

Unexplained Inc. would like to welcome Joan for her first solo appearance on the show after joining a panel last summer.Joan Widen always had a sense of knowing. She would see and hear spirits and have vivid dreams and premonitions – that was her “normal”. Though not fully understanding her gifts, as the years passed, she felt there was more to discover about who she really was and needed to seek out her purpose. Her efforts to better understand her talents have led her tovdevelop and expand her skills as a Intuitive Life Coach, Reiki (Master/Teacher), Pranic Healing, Crystal Healing, Feng Shui, House/Office Clearing, and Mediumship.  Joan is able to help you connect with passed loved ones and clear energy blocks to help you move forward with purpose so you can achieve what you want out of life.www.joanwiden.comInstagram @journeywithjoanwidenTikTok @clairvoyantmediumYouTube @joanwidenclairvoyantmedium Here are some of the topics discussed in this episode:- Joan's psychic and unexplainable experiences in childhood- A visit form light beings during a healing session- Predictions for 2026...they may surprise and on August 12th are we losing gravity or ascending?- Feng-shui and the provocative frequency of the colour orange.- Spiritual AI- The Tao of Alice Cooper...yes you heard that right...plus so much more!Connect with Unexplained Inc. here:https://www.unexplainedinc.com/Connect with Unexplained Inc. and follow on Rumble:https://rumble.com/user/Unexplainedinc

Sometimes it is important to remember that we are living in 3D.

In this episode, we'll explore the complexities of struggle in the context of gifted learners. I'll differentiate between 'green flag' struggles, which indicate depth and engagement, and 'red flag' struggles, which signal confusion and disengagement. The conversation emphasizes the importance of understanding the nature of struggle, advocating for a shift in educational practices to better support gifted learners. Practical strategies for educators are provided to help them embrace struggle as a natural part of the learning process, rather than a failure to be fixed.

The headlines of the day by The Indian Express

More protesters take to the streets in Minneapolis, the Vice President announces a federal anti-fraud task force, and college football semifinals kick off tonight. Get the facts first with Evening Wire. - - - Ep. 2570 - - - Wake up with new Morning Wire merch: https://bit.ly/4lIubt3 - - - Privacy Policy: https://www.dailywire.com/privacy morning wire,morning wire podcast,the morning wire podcast,Georgia Howe,John Bickley,daily wire podcast,podcast,news podcast Learn more about your ad choices. Visit podcastchoices.com/adchoices

A former GOP lawmaker shreds Mike Johnson's fantasy Congress as Republicans dodge Obamacare, weaponize Somalia fraud, and even Marjorie Taylor Greene admits Trump's control is cracking.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

Thank you Hirut Kidane-mariam, Lynette, Marg KJ, M Hope, Pamela Day, and many others for tuning into my live video! Join me for my next live video in the app.* Former GOP Rep. slams Mike Johnson's delusional assessment of the Republican Congress in an Op-ed* Democrats must not fall for the Somalia fraud distraction* Poor discussion on GOP's answer to Obamacare* Marjorie Taylor Greene p… To hear more, visit egberto.substack.com

Dabble is the sponsor of Pitch Side! Be sure to check out their UNREAL offers here: https://click.dabble.com/NeOH/q1s6chwq18+ Gambleaware.org #AdNew episodes available to watch & listen EVERY DAY.Click HERE: https://linktr.ee/pitchsidepodcastIf you'd like to work with us, email the studio onworkwithpitchside@fellasstudios.comProduced by The Fellas Studios: https://fellasstudios.com/podcastsTheo:https://youtube.com/c/HiMalfoyhttps://youtube.com/c/TheoBakerVlogsReev:https://youtube.com/c/reevhttps://youtube.com/c/OllieFletcherTom Garratt:https://www.youtube.com/@TomGarratt10Lewis Bowden:https://www.youtube.com/@lewisbowden1Dabble T&Cs:£10 in Free Bets Welcome Offer: https://helpdesk.dabble.co.uk/en/articles/11468007-10-in-free-bets-welcome-offer£10 in Free Bets Referral Offer: https://helpdesk.dabble.co.uk/en/articles/11468017-10-in-free-bets-referral-offer Hosted on Acast. See acast.com/privacy for more information.

Are you parenting a teen in a world that feels far more complex than the one you grew up in? What if understanding the adolescent brain could actually help your teen not just survive—but truly thrive? Today's teens and young adults are growing up on a very different bridge to adulthood than previous generations. In this powerful and hopeful conversation, Colleen O'Grady sits down with Lisa M. Lawson, President and CEO of the Annie E. Casey Foundation and author of Thrive: How the Science of the Adolescent Brain Helps Us Imagine a Better Future for All Children. Together, they explore how adolescent brain science—now understood to extend into the mid-20s—can transform the way parents guide, support, and relate to their teens. Lisa invites us to see teens through a lens of possibility rather than problems and introduces five essential “cables” that hold up the bridge of adolescence, from connection and education to financial stability and youth leadership. This episode is both deeply reassuring and incredibly practical for moms who want to widen the bridge for their teens and help them grow into resilient, confident adults. Lisa M. Lawson is the President and CEO of the Annie E. Casey Foundation, where she leads national efforts to improve outcomes for children, youth, and families. Since stepping into the role in 2019, she has championed bold initiatives such as Thrive by 25, focusing on the wellbeing of Generation Z ages 14–24. Prior to becoming CEO, Lisa served as Executive Vice President and Chief Program Officer overseeing all grantmaking strategies, and as Vice President of External Affairs, where she led development of the KIDS COUNT Data Book. Before joining the foundation, she spent 14 years at UPS in senior leadership roles, including President of the UPS Foundation. She is also the author of Thrive, a hopeful and science-based guide to understanding adolescence. ⭐ Three Takeaways for Moms Teen behavior isn't defiance—it's development. Impulsivity, emotional intensity, and peer influence are signs of a brain under construction, not bad character. Parents often serve as their teen's “borrowed prefrontal cortex”—and explaining why decisions matter helps teens learn how to think, not just what to do. Widen the bridge instead of turning it into a tightrope. College, careers, sports, and interests don't have to be high-stakes, one-shot decisions. Teens thrive when they're allowed to explore, pivot, and learn by doing—building confidence and resilience along the way. Connection is the strongest protective factor. Teens don't need perfect parents—they need consistent, caring adults. One solid relationship can change the trajectory of a young person's life. Parenting was never meant to be done alone; it truly takes a village. Learn more at: https://www.aecf.org/people/lisa-lawson Follow at: https://www.instagram.com/annieecaseyfdn Learn more about your ad choices. Visit megaphone.fm/adchoices

What's the Real Age You Can Actually Play on Camera?Are you listing the right age range on your actor profiles - or are you secretly scaring off casting directors?Most actors guess their playable age based on what they hope they can book. But in today's episode, you'll learn how to figure out the real age range that casting directors and agents actually believe - so you can land more auditions and avoid looking unprofessional.Here's what you'll get from this episode:Why your face sells one age, but your energy sells another - and how to figure out bothThe exact range width that makes you look polished and castable (hint: bigger isn't better)The one mistake that makes agents roll their eyes at your profileListen now and learn how to adjust your age range to get called in more often - with less guesswork.Email: martin@cityheadshots.comWebsite: https://www.martinbentsen.comAdditional Resources:HeadshotsShoot Footage for Your ReelEdit Footage Into a ReelThis show dives deep into the world of acting in film, exploring the journey of movie acting with stories, building confidence among aspiring actors, navigating auditions and productions, and offering insights from acting agents, coaches, and the challenges of becoming SAG-AFTRA eligible to advance your acting career, skills, and landing roles.

Your new hire shadows for a few days. You walk them through a checklist. They learn the software. Then what? Everyone hopes they “figure it out.” A month later, the doctor is frustrated. The team is stressed. The new hire feels like they’re failing. The problem isn’t effort. The problem is this: you’re treating training like a checkbox instead of a culture. Why One Time Training Kills Growth When training is an event, your practice stays stuck in reaction mode. You only coach after mistakes, complaints, or resignations. By then, you’re cleaning up fires instead of building people. Here’s the pattern that plays out in most practices. A new hire gets paired with your “strongest” team member. That leader is already buried in their own workload, so they show shortcuts instead of deep explanations. The new person picks up just enough to stay afloat. Everyone assumes the job is done. But orthodontic practices don’t stay still. Systems change. Software updates. Patient expectations rise. Insurance rules shift. If your team never gets space and structure for continuous learning, they’ll keep doing what they’ve always done. Even when you need something completely different. The emotional toll is real too. Without clear expectations for days 30, 60, and 90, a new hire never knows if they’re winning. They catch feedback only when something breaks. They sense the doctor’s frustration but not the reason. That builds anxiety fast. High performers burn out because they’re constantly training others on the fly. Low performers coast because nobody defined what success actually looks like. Patient experience becomes a coin flip. One family gets a red carpet welcome. The next one gets a rushed check-in from someone who can’t answer basic questions. That’s how training problems quietly become culture problems. Then turnover problems. Then growth hits a ceiling. The Shift — Training As Intentional Culture Flip the switch with one decision. Training isn’t something you check off. It’s something you build into how your practice breathes every single day. Stop playing defense. Start playing offense. Instead of coaching around fires, set a rhythm. Define what someone should know and do at 30, 60, and 90 days. Block time for one on ones, coaching, and questions. Make it clear that learning isn’t just for new hires. It’s for everyone, all the time. This doesn’t require a massive time commitment. Everyone has the same hours in a day. The difference is what leaders choose to prioritize. A 15-minute check-in each week with a key team member can prevent dozens of hours of upset patients, staff gossip, and repeated mistakes. When training becomes your culture, you stop expecting people to just know. You start expecting them to grow. Design Training For Real Humans Here’s another trap. The assumption that everyone learns the same way. Shadowing is valuable. It’s not enough on its own. Some people need hands-on practice with guidance. Others need to talk it through and ask questions. Others need written steps they can review later. When training is generic and rushed, it drains both trainer and trainee. Neither one walks into the next session excited. Mix observation with hands-on work. Break complex processes into smaller wins and celebrate progress along the way. Make room for questions and curiosity, not just lectures. Draw a parallel to continuing education for doctors. Clinicians don’t take one course early in their career and call it done. They keep learning because standards of care change. Your team needs the same commitment. Front Desk staff, Clinical Assistants, and Treatment Coordinators need ongoing growth to stay aligned with what patients expect today, not five years ago. When your entire team is engaged in learning, the practice feels alive. People aren’t just clocking in. They’re getting better. One Role, One Story, Real Transformation Redefining a single role can transform both a person and your whole practice. Picture this. A Front Desk team member has been parked in a corner with an unspoken message: just sit there, answer phones, check people in. Her title reflects it. Her daily experience reflects it. Over time, she internalized the message and operated at that level. Instead of replacing her, reframe the role. Change her title to something like “Patient Satisfaction Specialist” or “First Impression Expert.” Train her on how to stand and greet, how to introduce herself by name, how to guide families through your lobby, and how to create warm, personal phone calls. The shift was immediate. She owned the lobby experience. Patients got greeted with eye contact and genuine care. New callers heard enthusiasm. The Front Desk stopped being a transactional checkpoint. It became a hospitality station that set the tone for everything else. Better greetings and more thoughtful calls helped with retention and reviews. Clinical teams faced less friction because patients already felt cared for before sitting in the chair. Every role in your practice can be a growth lever if you define its purpose and train to that purpose. When people understand the why behind their tasks, accountability stops feeling like punishment. It becomes a badge of pride. Watch how this plays out in daily moments. A team member notices a parent looks cold and offers a blanket without being asked. An assistant remembers a song a patient mentioned and queues it up next visit. A coordinator recognizes a nervous family and slows down to address their real fears. These aren’t random kindnesses. They’re the natural outcome of people who understand their role in the patient journey and feel empowered to act. The Cadence That Works You don’t need a complex training program to make this happen. You need something structured and simple. The heartbeat of this is one on ones. Team huddles matter. Staff meetings are valuable. But nothing replaces looking someone in the eye and talking directly about their experience, their goals, and their growth. Schedule a 15-minute weekly check-in. Ask what’s going well, where they’re struggling, and what support they need. Because this rhythm stays consistent, those conversations feel safe. They signal investment, not trouble. Add a 30-minute monthly development conversation. Review what happened over the past few weeks. Connect performance to specific behaviors and decisions. Talk through real cases, what worked, what could shift next time. Let them use you as a sounding board to brainstorm. Step into a 60-minute quarterly growth conversation. Widen the lens. Discuss personal goals, where they want to grow, and how that connects to where the practice is heading. Treat these as pivot points, moments to reset focus and clarify the next cycle. Start every meeting with what’s working. Make team members feel seen and valued before you talk about gaps. That shift alone primes the conversation for openness and kills the fear that a one on one means they’re “in trouble.” Over time, your team will look forward to these meetings because they feel like real investment. Your 90-Day Action Plan You don’t need to be perfect to start. You need consistency. First, audit how training actually happens right now. Where do new hires get information? Who do they shadow? When do you check-in after week one or two? Where do issues usually surface, front desk or clinic or consultations? Don’t judge. Just observe. The goal is to see the gap between what you intend and what your team actually experiences. Second, pick one role. Maybe it’s the Front Desk. Maybe it’s a Clinical Assistant or Treatment Coordinator. Pick the area where confusion or turnover has been most obvious. For that role, write down what you expect someone to know and do at 30, 60, and 90 days. Keep it simple and rooted in reality, communication, patient experience, and key responsibilities. Third, put a cadence on the calendar. Schedule a 15 minute weekly check-in and a 30-minute monthly conversation for the next three months. Decide right now that you’ll start each meeting by asking what’s going well. That one habit changes the tone more than anything else. Listen closely during those conversations. Where does this person feel unclear, undervalued, or underused? What part of their role do they love? Where do they feel least confident? Invite them to share ideas for improving patient experience or efficiency in their area. Then empower them to run one small experiment. Maybe it’s a new greeting script. Maybe it’s a comfort station with blankets and stress toys for anxious families. Maybe it’s better follow-up on pending treatment plans. Define what success looks like together and decide how you’ll measure it. At day 90, step back and compare. How is this person performing now? How has their confidence shifted? What’s the impact on patients or the rest of your team? Use those insights to refine the cadence and roll it out to the next role. The Practice You Build Training problems aren’t solved by one more manual or a longer orientation. They’re solved when training becomes a living part of how your practice operates. When you move from one time training to ongoing coaching, everything shifts. Team members feel valued instead of disposable. Expectations are crystal clear instead of vague. Accountability feels like empowerment instead of punishment. Patients feel the difference the moment they walk through your door. They see it in a genuine greeting. They hear it in a caring voice. They feel it when someone remembers their name or anticipates what they need. As your team grows, your practice grows. Turnover drops. Reviews climb. Your days stop feeling like fire drills and start feeling like purposeful, predictable progress. You don’t need a perfect system. You only need to decide that training is no longer a box to check. Choose one role. Set a simple cadence. Have the conversations. Let continuous coaching become the heartbeat of your culture. Start this week. Free Growth Session The post 10 Training Mistakes Ruining Your Orthodontic Practice appeared first on HIP Creative.

-- On the Show: -- Donald Trump repeatedly praises New York City Mayor-elect Zohran Mamdani during a meeting with him at the White House and appears unusually deferential -- Rep. Marjorie Taylor Greene announces her 2026 resignation over frustrations with the Republican Party and Donald Trump publicly mocks her -- Donald Trump shuts down DOGE, his signature waste cutting agency, after it becomes a source of waste and officials pretend it never existed -- Donald Trump posts a series of frantic late-night messages attacking allies and inventing achievements on Truth Social -- A clinical psychologist warns that Donald Trump shows clear dementia symptoms as footage surfaces of him walking unsteadily -- Agriculture Secretary Brooke Rollins defends Trump's failing farm policies while repeatedly contradicting herself under basic questioning -- Agriculture Secretary Brooke Rollins struggles to explain inflation data and makes claims that conflict with publicly available economic facts -- Commerce Secretary Howard Lutnick pushes Trump's tariff message while offering talking points that conflict with basic economic reality -- Elon Musk releases an accountability feature on X that reveals many major pro-Trump accounts are operated from overseas -- On the Bonus Show: Trump is set to propose a plan on ACA subsidies, Eric Swalwell announces he is running for governor of California, Democrats consider ranked choice voting for the primaries, and much more...

Jason and Mike talk NFL going into the Broncos win over the raiders in the week 10 Thursday night matchup. Then they look into which teams they think can widen the gap and sit on top of the NFL in the next week weeks. all that and more in Hour 3! See omnystudio.com/listener for privacy information.

Abigail Rose Clarke is a somatic teacher and author whose work invites people back into honest relationship with their bodies, and the world around them. Abigail speaks about somatics in a way that's refreshingly un-branded. She reminds us that the body isn't a self-improvement project but a whole ecosystem that includes our relationships, histories, communities, and the ground beneath our feet. 

Why do so many high achievers secretly struggle with anxiety, burnout, and overwhelm? Dr. Elizabeth Stanley, Army veteran, Georgetown professor, and author of Widen the Window, joins Michael Hyatt to explain the hidden science behind stress and resilience. Drawing on her personal story of trauma, her background in the military, and her training in somatic therapy, Elizabeth reveals why talk therapy alone often falls short—and how body-based practices can change everything. This conversation is honest, practical, and deeply hopeful for anyone who feels stuck in patterns of stress.Memorable Quotes“We're all in it together and we're all experiencing the particular lawful ways that this human mind and body works in this particular poly-crisis world. Of course, people are struggling. It's kind of why it's my passion to help people understand ‘You're not alone in this.'”“We are wired organically to be able to mobilize the energy to manage a crisis or a stressful situation, and then recover. Our ancestors that shared the same wiring that we have did not have 24/7 constant activation and constant demands the way that we do in modern life today.”“The science term there is allostatic load, and the more our stress load grows, the less capacity we have in our mind and body to meet the next challenge, so that it becomes a bit of a vicious cycle, and we know that we're on the edge of our window or outside of our window of tolerance.”“We are built so that we learn the downregulation through the soothing we receive from our parents and other early caregivers. And that presumes that our early caregivers and parents were regulated enough to do that for us.”“If we're redirecting it somewhere that the survival brain perceives as safe, that actually starts conditioning. A process that makes the system move back in the way that we're organically built, which is to go through stress and recover naturally.”“When we don't perceive agency, when we feel powerless or helpless, that actually leads to higher levels of arousal and it really resolidifies the prior conditioning. So being able to access that choice point is really critical in beginning to shift it.”“If our parents had narrowed windows, if they were coping with a lot of stress and trauma, or if they were absent, if they had mental illness or they were incarcerated, they aren't able to help us wire those things. It's one of the ways that narrowed windows get transmitted intergenerationally and why trauma can become intergenerational.”Key TakeawaysYou're Not Broken. Chronic anxiety and overwhelm are signs of dysregulation, not defects. They're the evidence of what you've walked through—but don't determine what's ahead.Your Body Knows the Way. Healing starts by listening to the signals of your nervous system. The key is not to minimize our reactions, but to listen and practice strategies that help us return to baseline.Talk Therapy Isn't Enough. True healing requires engaging the body and nervous system. Trauma-informed, body-based therapy can lead to breakthroughs when just thinking and talking isn't enough.Agency Is Key. Learning to notice choice points rewires the brain toward safety. The quickest way out of powerlessness is regaining a sense of agency.Resilience Can Be Trained. Simple, repeated practices expand your “window of tolerance.” It takes time and intention, but you can widen your window.ResourcesWiden the Window by Elizabeth StanleyElizabeth Stanley's Mindfulness-Based Mind Fitness Training (MMFT)Watch on Youtube at:  https://youtu.be/Z607BPgbxi4This episode was produced by Sarah Vorhees Wendel of VW Sound

Entrepreneur Ted Widen, founder of GreatLakesFractionalYachts.com and SharedYachts.com, discusses how fractional yacht ownership makes luxury boating more accessible and practical. He shares his journey in launching the business, the benefits of shared ownership, and his vision for the future of the industry.