Podcasts about The Wall Street Journal

The JBP kicks off episode 898 with a recap of their weekend with the snow storm (11:50) before moving to Tracy Morgan going viral for an interaction with a homeless man (25:42). Joe reads a breakdown of what your income actually means (43:00), Jim Jones says he made Kid Cudi's career (1:02:00), and Kanye West issues an apology via the Wall Street Journal (1:19:00). Also, Alex Honnold free climbs Taipei 101 on Netflix (1:42:07), Akademiks vs. Lil Baby (1:55:20), Derrick Rose's jersey retirement (2:09:02), Joe has some words for Hip-Hop following Alex Pretti's killing in Minneapolis (2:20:35), Chad Hugo sues Pharrell (2:51:00), and much more!  Become a Patron of The Joe Budden Podcast for additional bonus episodes and visual content for all things JBP! Join our Patreon here: http://www.patreon.com/joebudden 

A.M. Edition for Jan. 28. The dollar is steadying following its biggest one-day decline since April's global tariff turmoil. That's after President Trump said he wouldn't mind a weaker currency. WSJ editor Alex Frangos explains why that statement caused such a selloff. Plus it's a big day for the AI trade as Nvidia begins selling its chips in China and suppliers post record earnings. And two Middle East leaders say they won't help the U.S. in a possible attack on Iran as allies in the region reconsider their ties with Washington. Luke Vargas hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

The mainstream media got upset when I mentioned the idea of Charlie's life being the Truman show, well… it's about to get weirder. Also, I promised you guys the audio from the corporate wide conference call that happened just 12 days after Charlie's assassination. I'm going to let you listen to that to see how you feel about it. 00:00 - Start. 01:25 - Leaked Erika Kirk call. 25:44 - The Manchurian candidate? 36:41 - Internet sleuths find the Christian Zionist who threatened Charlie. 44:39 - Kanye apologies with a full ad in WSJ. 48:20 - Comments. Nimi Skincare​ Save 10% on your order with promo code CANDACE10 at http://www.NimiSkincare.com PureTalk​ ​ Make the switch today and save an additional 50% off your first month at http://www.PureTalk.com/Owens Magisterium AI​ ​​​ Go to http://www.Magisterium.com/CANDACE or download the app for free on iOS or Android. Use code CANDACE to upgrade to Pro and get 25% off your first year. American Financing​​​ NMLS 182334, http://www.nmlsconsumeraccess.org. APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 800-795-1210 for details about credit costs and terms. Visit http://www.AmericanFinancing.net/Owens. Candace Official Website: https://candaceowens.com Candace Merch: https://shop.candaceowens.com Candace on Apple Podcasts: https://t.co/Pp5VZiLXbq Candace on Spotify: https://t.co/16pMuADXuT Candace on Rumble: https://rumble.com/c/RealCandaceO Candace en Español: https://www.youtube.com/@CandaceOwensEnEspanol Candace Owens em Português: https://www.youtube.com/@CandaceOwensemPortugues Candace Owens en Français: https://www.youtube.com/@CandaceOwensEnFrançais Learn more about your ad choices. Visit megaphone.fm/adchoices

After we recorded this episode, we noticed that Axios is reporting that anger is rising at Stephen Miller inside Donald Trump's inner circle. Some White House officials blame Miller for smearing ICE murder victim Alex Pretti. This comes as reports in The Wall Street Journal and The New York Times suggest that other top advisers want ICE to change course in a way that is running afoul of Miller's designs. That all this is leaking out shows internal dissatisfaction with Miller is growing. Meanwhile, a new YouGov poll finds 55 percent of Americans and 67 percent of independents have very little confidence in ICE. Both reflect large recent spikes. We think all this reflects a deeper Miller-MAGA miscalculation. So we're talking about all this with The Atlantic's Adam Serwer, who spent time in Minneapolis and wrote a good piece on the outpouring of popular energy there. We discuss what he saw on the ground among ordinary people, why it badly undermines the Miller-MAGA theory of American politics, and how MAGA poses a far bigger threat to social cohesion than immigrants do. Looking for More from the DSR Network? Click Here: https://linktr.ee/deepstateradio Learn more about your ad choices. Visit megaphone.fm/adchoices

Brenda Weischer, aka @brendahashtag, is a fashion writer, consultant, and podcaster. We chat with her from her hotel in Copenhagen about getting bagels in the snow, Morrissey in the club, Kanye's WSJ apology, Squid Pro Quo, soaking the chia seeds, she records her podcast in voice notes on her phone, retail sales, what she wore to get into Berghain when she was 17, she does not negotiate, the Bezos Wintour connection, and we find out where our influencer lines are. instagram.com/brendahashtag twitter.com/donetodeath twitter.com/themjeans howlonggone.com Learn more about your ad choices. Visit megaphone.fm/adchoices

"Almost everybody will overestimate how much they can grow in one year. At the same time, they underestimate how much they can grow in five." In this episode, Heather talks with Jay Papasan about why doing more isn't the answer, how relentless productivity can actually work against you, and what happens when you commit to the one thing that truly matters. This is a conversation about focus as a skill, boredom as a feature of mastery, and the quiet, intentional choices that make everything else easier (or unnecessary). If you're tired of spinning your wheels and ready to aim strategically instead of swinging harder, this episode will reframe how you approach your goals, your time, and yourself. What to listen for: ✨ What "the one thing" is, and how it applies to life roles and responsibilities ✨ How addiction to productivity is harming us and how to choose aligned priorities ✨ Training your brain to narrow its focus so that you make the most of your actions "You get to pick where you're aiming the tool. You ask the question, 'What's the one thing I can do such that by doing it, everything else will be easier or unnecessary?'" ✨ Why doing tasks earlier in the day helps bypass resistance and distraction ✨ Implementing the essential practice of "goals before phones" to stay on track ✨ Working with the human element when accountability doesn't work "What would your world look like if every day, before you look at your phone, you had to look at your goals? When people are reminded of their priorities, they're more likely to keep them." ✨ What happens on the other side of being strategically focused and intentional ✨ How to make peace with the boredom of success that's required for mastery ✨ Getting honest about how suffering and self-sabotage are serving you (or not) About Jay Papasan: Jay Papasan [Pap-uh-zan] is a bestselling author who has served in multiple executive leadership positions during his 24-year career at Keller Williams Realty International, the world's largest real estate company. During his time with KW, Jay has led the company's education, publishing, research, and strategic content departments.  Jay is also CEO of The ONE Thing training company Produktive, host of The ONE Thing podcast, and co-owner, alongside his wife Wendy, of Papasan Properties Group with Keller Williams Realty in Austin, Texas. He is also the co-host of the Think Like a CEO podcast with Keller Williams co-founder, Gary Keller.  In 2003, Jay co-authored The Millionaire Real Estate Agent, a million-copy bestseller, alongside Gary Keller and Dave Jenks. His other bestselling real estate titles include The Millionaire Real Estate Investor and SHIFT. In September 2025, Jay will celebrate the launch of his first solo title, Rookie Real Estate Agent.  Jay's most recent work with Gary Keller on The ONE Thing has sold over 3.5 million copies worldwide and garnered more than 500 appearances on national bestseller lists, including #1 on The Wall Street Journal's hardcover business list, and has been translated into 40+ different languages.  Every Friday, Jay shares concise, actionable insights for growing your business, optimizing your time, and expanding your mindset in his newsletter, The TwentyPercenter. Connect with Jay: Website: https://jaypapasan.com Facebook and Instagram: @jaypapasan The ONE Thing book: https://the1thing.com *** For those of you who are ready to stop feeling drained, overextended, and out of alignment… join me for a one-on-one Time & Energy Audit, a focused session designed to help high-achieving women uncover what's draining them, clarify what truly matters, and create a simple plan that fits their life. We'll pinpoint your biggest time + energy leaks, identify the top areas to focus on for quick momentum, and map out exactly what to let go of so you can reclaim your energy, your time, and your joy. Ready to make your time work for you without adding more to your plate? Book a Time & Energy Audit: https://heatherchauvin.com/audit Apply for the next Coaching Cohort: https://heatherchauvin.com/apply Not ready for 1:1? Join the membership (cancel anytime): https://heatherchauvin.com/membership

To make good creative work, you'll inevitably do a lot of bad work along the way. So building a thriving creative practice relies on showing up and doing the work consistently, whether you feel inspired or not. And we can get trapped into thinking that if only we had the perfect space, or the best pen, or right notebook, it would all be easier. This is a preview of a premium episode. To listen to the full interview, visit: https://designbetterpodcast.com/p/austin-kleon But our guest today, Austin Kleon, has built a remarkable creative practice around a deceptively simple toolkit: index cards, newspapers, scissors, and glue. He's the bestselling author of Steal Like an Artist, Show Your Work, Keep Going, and Don't Call it Art. What makes Austin's approach so valuable is how he's translated these ideas into a sustainable daily practice that's lasted over a decade. In our conversation, Austin shares why he starts every day writing in his diary before he picks up the phone, how constraints (time, space and materials) actually unlock creativity rather than limiting it, and why the path to doing your best digital work might start with picking up a pen. If you've ever struggled to maintain a creative practice, felt overwhelmed by tools and options, or wondered how to keep going when the work feels hard, this episode is for you. Bio Austin Kleon is the New York Times bestselling author of a trilogy of illustrated books about creativity in the digital age: Steal Like An Artist, Show Your Work!, and Keep Going. He's also the author of Newspaper Blackout, a collection of poems made by redacting the newspaper with a permanent marker. His books have sold over two million copies and have been translated into over 30 languages. He's been featured on NPR's Morning Edition, PBS Newshour, and in The New York Times and The Wall Street Journal. New York Magazine called his work “brilliant,” The Atlantic called him “positively one of the most interesting people on the Internet,” and The New Yorker said his poems “resurrect the newspaper when everybody else is declaring it dead.” He speaks for organizations such as Pixar, Google, Netflix, SXSW, TEDx, Dropbox, Adobe, and The Economist. In previous lives, he worked as a librarian, a web designer, and an advertising copywriter. He lives in Austin, Texas, with his wife and sons. Visit him online at www.austinkleon.com

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

Jon Czin, former CIA analyst and NSC staffer, returns to talk purges. We have far too much fun. The disney take on PLA purges: https://suno.com/s/Wv1yQyxdUhWBzyA0 08:50 Deep read into the WSJ nuke traitor allegations 22:10 Xi getting paranoid? 26:13 Taiwan implications 32:38 Succession implications 45:55 It must really suck to work in Chinese politics Learn more about your ad choices. Visit megaphone.fm/adchoices

The fastest way to lose Gen Z at work is to misjudge what they need. In this episode, Hall of Fame keynote speaker Joe Mull, CSP, CPAE, challenges common assumptions about Gen Z in the workplace and explains why labeling early career professionals as unmotivated or unprepared misses what actually drives employee engagement, employee relations, and long-term commitment. Joe explores how professional inexperience, economic pressure, and communication norms shape how young employees show up at work, and why patience, mentoring, and leadership behavior matter more than generational stereotypes. He reflects on how early workplace interactions influence confidence, effort, and willingness to grow, especially in the critical first years of a career. The conversation focuses on how leaders can support development, preserve dignity, and build trust with early career employees in ways that strengthen workplace culture and unlock potential rather than shut it down. If you want to lead Gen Z more effectively, improve employee relations, and build a culture where early career professionals grow into committed contributors, this episode offers grounded perspective for today's workplace. To subscribe to Joe Mull's BossBetter Email newsletter, visit https://BossBetterNow.com For more info on working with Joe Mull, visit https://joemull.com For more info on Boss Hero School, visit https://bossheroschool.com To email the podcast, use bossbetternow@gmail.com #transformativeleadership #workplaceculture #companyculture #talentretention #employeeengagement #employeeretention #bossheroschool #employalty Joe Mull is on a mission to help leaders and business owners create the conditions where commitment takes root—and the entire workplace thrives. A dynamic and deeply relatable speaker, Joe combines compelling research, magnetic storytelling, and practical strategies to show exactly how to cultivate loyalty, ignite effort, and build people-first workplaces where both performance and morale flourish. His message is clear: when commitment is activated, engagement rises, teams gel, retention improves, and business outcomes soar. Joe is the founder of Boss Hero School™ and the creator of the acclaimed Employalty™ framework, a roadmap for creating thriving workplaces in a new era of work. He's the author of three books, including Employalty, named a top business book of the year by Publisher's Weekly, and his popular podcast, Boss Better Now, ranks in the top 1% of management shows globally. A former head of learning and development at one of the largest healthcare systems in the U.S., Joe has spent nearly two decades equipping leaders—from Fortune 500 companies like State Farm, Siemens, and Choice Hotels to hospitals, agencies, and small firms—with the tools to lead better, inspire commitment, and build more humane workplace cultures. His insights have been featured in The Wall Street Journal, Forbes, Harvard Business Review, and more. In 2025, Joe was inducted into the Professional Speakers Hall of Fame (CPAE). This is the speaking profession's highest honor, a distinction granted to less than 1% of professional speakers worldwide. It's awarded to speakers who demonstrate exceptional talent, integrity, and influence in the speaking profession For more information visit joemull.com.

Guest CoHost Dave Hilfman. Guest: John Heimlich, VP/Chief Economist, Airlines For America. Also: Michael O'Leary and Elon Musk spar over Starlink; The latest Wall Street Journal airline scorecard; Is Castlelake an answer to Spirit's woes? American corrects "most profitable hub" statement on previous episode; Listener input on Southwest's new revenue prospects.

Neal McDonough joins the show to talk about Adam's star on the Walk of Fame, why discipline has been the cornerstone of his career, the role his incredible wife has played in his success, and his work with Angel Studios. Plus he shares a never-before-heard story involving The Rock. Don't miss Neal in his new film Twisted, available to buy or rent on digital starting February 6. Follow Neal on Instagram: @Neal_McDonough IN THE NEWS: Crazy scheme saw San Francisco taxpayers shell out $5M a year to hand out booze to homeless alcoholics, Elites shelling out hundreds of thousands of dollars for last-minute Super Bowl 60 mansion rentals, Dems need to ‘tell celebrities to just shut the f–k up — Hollywood isn't doing the party any favors': Bill Maher, Kanye West apologizes for ‘reckless' antisemitism in full-page Wall Street Journal ad: ‘I am not a Nazi'FOR MORE WITH NEAL MCDONOUGH:MOVIE: TwistedAvailable Feb 6 to buy or rent on digitalINSTAGRAM: @Neal_McDonoughFOR MORE WITH JASON “MAYHEM” MILLER: INSTAGRAM & TWITTER: @mayhemmillerWEBSITE: www.mayhemnow.comLIVE SHOWS: January 29 - New York, NY (2 shows)January 30 - Chester, NYJanuary 31 - Washington, DC (2 shows)February 4 - Tampa, FLFebruary 5 - Orlando, FL (Live Podcast)February 6 - Naples, FL (2 shows)February 7 - Naples, FL (2 shows)Thank you for supporting our sponsors:BetOnlineHims.com/ADAMHomes.comoreillyauto.com/adamwww.pendragonseries.comPluto.tvwww.Quo.com/ADAMSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Van and Rachel react to Kanye's apology in The Wall Street Journal, before discussing the violence in Minnesota. Plus, actor Aldis Hodge and showrunner Ben Watkins join to get us set for Season 2 of Amazon Prime Video's ‘Cross.' (0:00) Intro (0:24) Kanye's apology (29:16) Another shooting in Minneapolis (59:09) Texas Senate debate (1:02:51) Chris Broussard's bad tweet (1:05:23) Aldis Hodge and Ben Watkins on Season 2 of ‘Cross' Hosts: Van Lathan and Rachel Lindsay Guest: Aldis Hodge and Ben Watkins Producers: Donnie Beacham Jr. and Jade Whaley Social Producer: Bernard Moore Video Supervision: Chris Thomas Learn more about your ad choices. Visit podcastchoices.com/adchoices

And we’re back ready to kick off our new era on Netflix. We recap our Sunday snowed in while deciding who will be our pod intimacy coordinator. Ye released a written apology to The Wall Street Journal, but Mal ain’t buying it. On the other hand, Rory gets that it’s all business. We’ve been had the debate if Jim Jones made Kid Cudi, but it went viral on the internet after Cudi had a few words for Jim Jones. Do we need to be humbled as New Yorkers, though? Plus, who we got in a Mike Will Made It vs Hit-Boy Verzuz, Rory was feelin’ Ari Lennox’s new album, and Chad Hugo suing Pharell leads to Rory educating us on royalty splits. #volume All lines provided by hardrock.betSee omnystudio.com/listener for privacy information.

In this edition of Freddy Got Trendered, Jack and Miles discuss Trump backpedaling a bit on Minneapolis, Herr Bovino hanging up his SS coat, Kristi Noem possibly getting thrown under the bus, the quality of life for ICE agents, Ye's full page WSJ apology and much more!See omnystudio.com/listener for privacy information.

Ashley St. Clair, a conservative influencer who had a child with Elon Musk, sued Musk's artificial intelligence company xAI, alleging that its chatbot Grok generated and shared nonconsensual, sexually explicit images of her. St. Clair's lawsuit is emblematic of the thorny legal issues that surround new AI tools and deepfakes. It also confronts the question: Who is responsible for the content that users prompt chatbots to create? Jessica Mendoza spoke with St. Clair's lawyer, Carrie Goldberg, about the lawsuit. Further Listening: - Why Elon Musk's AI Chatbot Went Rogue - How Elon Musk Pulled X Back From the Brink Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

P.M. Edition for Jan. 27. Health insurers like UnitedHealth Group and Humana were shocked after the Trump administration proposed holding Medicare rates nearly steady next year—a move that could be a big hit to their finances. Anna Wilde Mathews, who covers health insurance for the Journal, discusses what that could mean for patients and the industry's next move. Plus, the Trump administration's immigration crackdown has slowed U.S. population growth. And Amazon is closing its Amazon Fresh and Amazon Go stores, but will open 100 more Whole Foods stores. Alex Ossola hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

A.M. Edition for Jan. 27. Rights groups say the death toll could exceed 10,000 or more as new details trickle out of Iran's deadly crackdown on protests earlier this month. WSJ's Margherita Stancati says fear and mourning has paralysed the country. Plus, the EU and India reach a free-trade deal, linking together almost two billion consumers. WSJ trade reporter Kim Mackrael says this comes as a number of U.S. trading partners are actively taking steps to curb their reliance on America. And Southwest's open seating policy is over after more than 50 years. Luke Vargas hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

-- On the Show -- Ezekiel Emanuel, an oncologist and world leader in health policy and bioethics, joins us to discuss his new book "Eat Your Ice Cream: Six Simple Rules for a Long and Healthy Life" -- The Wall Street Journal editorial board calls Donald Trump's immigration crackdown a moral and political debacle after federal agents kill ICU nurse Alex Pretti in Minneapolis -- Donald Trump demotes Border Patrol commander Greg Bovino after agents under his leadership kill Alex Pretti, signaling damage control as the administration collapses -- Conservative figures and Second Amendment defenders publicly question the Trump administration after Alex Pretti is killed while legally armed, exposing fractures inside the MAGA coalition -- Donald Trump posts a conciliatory Truth Social message about Minnesota Governor Tim Walz while quietly reshuffling personnel, revealing a crisis response -- Press Secretary Karoline Leavitt struggles to defend shifting White House narratives as reporters repeatedly fact check claims about Alex Pretti, Stephen Miller, and the justification for lethal force -- Kash Patel contradicts himself across multiple interviews on gun rights and protests, creating legal and political confusion as the administration tries to justify the killing of Alex Pretti -- Megyn Kelly argues that Alex Pretti should have avoided federal agents entirely, effectively endorsing the idea that citizens must stay home to avoid being killed by the state -- On the Bonus Show: NRA calls for an investigation into the killing of Alex Pretti, House Democrats push impeachment of Kristi Noem, calls grow for a US World Cup boycott, and much more...

In today's episode, we break down the fast-moving political chaos dominating the headlines.Minnesota becomes ground zero as Tom Homan is sent in, state police are finally deployed to assist ICE, and tensions escalate between President Trump, Governor Tim Walz, and Minneapolis leadership. Karoline Leavitt lays out what the Trump administration expects next — and why critics say Walz is misleading the public.We also expose how agitators are making it nearly impossible for ICE to do their jobs, including new revelations about Signal chat groups being used to coordinate protests and track enforcement.Plus:- Kanye West issues a controversial apology and takes out a full-page Wall Street Journal ad- VA assault weapons bill- Media bias explodes as outlets are called out over coverage of Israel, protests, and law enforcement- Viral clips, cultural insanity, and the latest liberal meltdowns lighting up TikTok and social mediaSUPPORT OUR SPONSORS TO SUPPORT OUR SHOW!Get delicious Masa Chips at https://MasaChips.com/CHICKS, use code CHICKS for 25% off first order—or grab Masa at Sprouts nationwide!Give your pup their new year glow-up with Ruff Greens—get a FREE Jump Start Trial Bag (just cover shipping) at https://RuffChicks.com with promo code CHICKSRefresh your wardrobe with Quince — head to https://Quince.com/chicksfree for free shipping and 365-day returns.  Now available in Canada.  Subscribe and stay tuned for new episodes every weekday!Follow us here for more daily clips, updates, and commentary:YoutubeFacebookInstagramTikTokXLocalsMore InfoWebsite

Today's Headlines: The Trump administration is facing growing bipartisan backlash over aggressive ICE enforcement following recent shootings in Minnesota. Texas Governor Greg Abbott said the federal government needs to “recalibrate” its approach, while Republican Minnesota gubernatorial candidate Chris Madel dropped out of the race, calling the immigration operation an “unmitigated disaster” and condemning what he described as racial profiling. The criticism has spread beyond Democrats, with the Libertarian Party calling for ICE to be abolished and the Wall Street Journal editorial board urging ICE to pause operations in Minnesota. Amid mounting pressure, the administration demoted Customs and Border Protection official Greg Bovino and reassigned ICE personnel out of Minneapolis, signaling a temporary de-escalation. Border czar Tom Homan has been sent to oversee the situation as Trump publicly emphasized cooperation with Minnesota Governor Tim Walz. New reporting raises concerns about ICE activity elsewhere, including allegations that agents in Colorado left so-called “death cards” in vehicles after detentions. Separately, documents reveal ICE is using a Palantir-built surveillance tool to map neighborhoods for immigration raids using data from multiple federal agencies. Internationally, Trump said negotiations with Iran remain “in flux” as the U.S. increases its military presence in the region. Israel confirmed the return of the final hostage's remains, allowing the Gaza ceasefire to move toward its next phase. Trump also announced higher tariffs on South Korean imports, cited the use of a secret weapon in the raid that captured Venezuela's Nicolás Maduro, and commented on allegations that a top Chinese general leaked nuclear secrets to the U.S. Meanwhile, a massive winter storm across 19 states has been linked to at least 22 deaths, with hundreds of thousands still without power. Congress is also racing to avoid a potential government shutdown tied to funding for the Department of Homeland Security and ICE oversight. Resources/Articles mentioned in this episode: Houston Public Media: Greg Abbott says White House needs to ‘recalibrate' ICE following fatal Minneapolis shooting NBC News: Minnesota Republican drops out of governor's race, citing GOP's handling of immigration enforcement The Hill: Libertarian National Committee chair: ‘Abolish ICE' WSJ: Time for ICE to Pause in Minneapolis The Atlantic: Yes, It's Fascism The Atlantic: Greg Bovino Loses His Job The Denver Post: ICE investigates after Colorado group says agents left ‘death cards' in arrested immigrants' abandoned cars  404 Media: ‘ELITE': The Palantir App ICE Uses to Find Neighborhoods to Raid Axios: Exclusive: Trump says Iran wants a deal as U.S. "armada" arrives Axios: Exclusive: Trump says Hamas helped find last hostage, now must disarm NYT Post: Trump reveals to The Post secret ‘discombobulator' weapon was crucial to Venezuelan raid on Maduro AP News: Trump threatens to hike tariffs on South Korean goods over inaction on trade deal WSJ: China's Top General Accused of Giving Nuclear Secrets to U.S. NYT: Storm's Death Toll Climbs as Officials Warn of Frigid Cold Ahead WSJ: Risk of a Partial Government Shutdown This Weekend Is Rising. Here's Why. Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

My conversation with Lizz starts at about  27  minutes in to today's show after headlines and clips Subscribe and Watch Interviews LIVE : On YOUTUBE.com/StandUpWithPete ON SubstackStandUpWithPete Stand Up is a daily podcast. I book,host,edit, post and promote new episodes with brilliant guests every day. This show is Ad free and fully supported by listeners like you! Please subscribe now for as little as 5$ and gain access to a community of over 750 awesome, curious, kind, funny, brilliant, generous soul  Lizz Winstead is one of the top political satirists working today. As co-creator and head writer of Comedy Central's "The Daily Show," she forever changed the way people get their news. In 2004, Winstead also co-founded Air America Radio, while also co-hosting "Unfiltered" every morning with the Rachel Maddow and Hip Hop legend, Chuck D.  Her book of essays, Lizz Free or Die, was published by Riverhead Books in 2012. The New York Times called it "Searching and lively … and moving. … Ms. Winstead writes with a feel for the sound of words." Winstead also writes satirical commentary for The Guardian, The Wall Street Journal and The Huffington Post.  Her talents as a comedian and media visionary have been recognized by The New York Times, The Washington Post and Entertainment Weekly's 100 Most Creative People issue. She continues to make numerous television appearances, including Comedy Central Presents, HBO, and CNN, as well as her regular commentary on MSNBC Winstead is a prominent abortion rights activist, and one of the founders of Abortion Access Front (formerly Lady Parts Justice League), a team of comedians, writers, and producers that uses humor to destigmatize abortion and expose the extremist anti-choice forces working to destroy access to reproductive rights in all 50 states. With her work with AAF, Winstead has taken her satirical brilliance one step further, combining it with her passion for reproductive rights to expose anti choice hypocrisy and inspiring a whole new model of activism.  Join us Thursday's at 8EST for our Weekly Happy Hour Hangout!  Subscribe and Watch Interviews LIVE  On YOUTUBE.com/StandUpWithPete ON SubstackStandUpWithPete Pete on Blue Sky Pete on Threads Pete on Tik Tok Pete on YouTube  Pete on Twitter Pete On Instagram Pete Personal FB page Stand Up with Pete FB page

Kanye West (Ye) just took out a full-page ad in the Wall Street Journal to apologize for his "reckless" behavior and antisemitic comments over the last two years. He's blaming an undiagnosed brain injury from 2002 and a 2025 manic episode—but is that enough?In this reaction, I'm breaking down the "To Those I've Hurt" letter. We're talking about the massive scale of the damage done—from the swastika T-shirts to the "Heil Hitler" song—and why an ad in a newspaper might be the start of a journey, but it isn't the destination.Connect with Lee:My Courses: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://courses.mentalhealness.net⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 1-on-1 Coaching Calls: ⁠⁠⁠⁠⁠⁠⁠⁠https://link.me/mentalhealness⁠⁠⁠⁠⁠⁠⁠⁠All My Link: ⁠⁠⁠⁠⁠⁠⁠⁠https://beacons.page/mentalhealness ⁠⁠⁠⁠⁠⁠⁠⁠Follow on Instagram/TikTok: @mentalhealnesssIf this episode helped you gain clarity, please leave a 5-star review on Spotify! It helps others find the validation they need to heal.

After years of fighting for legal sports betting, FanDuel and DraftKings are now facing unforeseen competition in the form of prediction markets—platforms that let users bet on the outcome of a plethora of events. WSJ sports reporter Jared Diamond explains how that's led to a bitter rivalry ahead of the Super Bowl. Plus, WSJ markets reporter Sam Goldfarb explains why software stocks are declining in an AI-dominated tech market. Sign up for the WSJ's free Technology newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

DML talks with Dennis Kneale, award-winning journalist, media strategist, and host of What's Bugging Me on the Ricochet network. A former CNBC and Fox Business anchor and a longtime Wall Street Journal editor, Kneale breaks down the media's narrative machine, the political double standards fueling unrest, and why law enforcement is being attacked for simply doing its job.

Our guest on the podcast today is Leyla Kunimoto. Leyla is the founder and editor of Accredited Investor Insights, a newsletter that helps investors navigate private markets. She writes about private equity, private credit, and real estate, focusing on the practical realities of evaluating alternative investments from the limited partner perspective. Leyla began investing in public markets in 2001 and expanded into private markets in 2020, with current holdings spanning public equities, real estate, and alternatives. She started her career in finance and management consulting after graduating from the University of Washington. She also worked in advisory services at a Big Four accounting firm.BackgroundLeyla KunimotoAccredited Investor InsightsPrivate Equity, Private Credit, and Private Real Estate“Inside the Black Box: What First Brands Teaches Us About CLO Risk,” by Leyla Kunimoto, AccreditedInsight.com, Oct. 2, 2025“Jamie Dimon Says Private Credit Is Dangerous—and He Wants JPMorgan to Get In on It," by Alexander Saeedy, WSJ.com, July 13, 2025“PIK Is Whispering. Are You Listening?” by Leyla Kunimoto, AccreditedInsight.com, June 12, 2025.“Private Credit Interval Fund,” by Leyla Kunimoto, AccreditedInsight.com, Aug. 24, 2025.“Non-Traded BDC Meets Mr. Market,” by Leyla Kunimoto, AccreditedInsight.com, Nov. 20, 2025“The Problem With PME,” by Leyla Kunimoto, AccreditedInsight.com, Oct. 9, 2025.“Private Equity 101: What Every LP Should Know,” by Leyla Kunimoto, AccreditedInsight.com, July 31, 2025.“Private Markets in 2026: What Changes, What Sticks,” by Leyla Kunimoto, AccreditedInsight.com, Dec. 28, 2025.“It's NAV … Until You Want Liquidity,” by Leyla Kunimoto, AccreditedInsight.com, Jan. 8, 2026.“Why Vanguard, Champion of Low-Fee Investing, Joined the ‘Private Markets' Craze,” by Matt Wirz and Anne Tergesen, WSJ.com, July 2, 2025“The Golden Doodle of Private Markets: Evergreen Secondaries” by Leyla Kunimoto, AccreditedInsight.com, Oct. 30, 2025.Books MentionedRich Dad Poor Dad: What The Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!, by Robert KiyosakiThe Intelligent Investor: The Definitive Book on Value Investing, by Benjamin GrahamMastering The Market Cycle: Getting the Odds on Your Side, by Howard Marks Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Listen to voices of black men push back against toxic white liberals who are desperate for them to join the protester's riots. John Fetterman comes through again as being the most reasonable man in the Senate and enjoys a 50% approval rating, but not because democrats are liking him. The WSJ editorial board speaks out about the Minneapolis deaths of Renee Good and Alex Pretti and gets dragged with 5,000 angry comments.

As tensions continue in Minneapolis between federal agents and locals, what does the law say about how ICE or CBP are allowed to act?On Today's Show:Michelle Hackman, Wall Street Journal reporter covering U.S. immigration policy, talks about the legality of the tactics ICE agents are using in Minneapolis and elsewhere, including entering people's homes without warrants, and the ways they are dealing with bystanders in the wake of the two recent fatal shootings in Minnesota.

Don and Tom kick off the show with weekend banter and nostalgia about checkbooks before diving into why buying and selling a home remains one of life's biggest—and most misunderstood—financial decisions. Using a Wall Street Journal quiz, they explore smart pricing, commission negotiations, low-cost home improvements, inspections, seasonal pricing patterns, and even haunted-house disclosures. Along the way, callers ask about life insurance planning, tax-managed accounts, umbrella insurance, and retirement income strategy. The episode emphasizes realistic expectations, low-cost investing, diversification, and avoiding unnecessary fees, while reminding listeners that simple, disciplined decisions usually beat flashy financial “solutions.” 0:04 Weekend open, call-in invite, “no annuity” guarantee, check-writing nostalgia 1:24 Don discovers last checks were written in 2019–2021 2:45 Home buying/selling as life's biggest transaction 3:20 Overpricing your house and “it's worth what someone pays” 4:24 WSJ real estate quiz: pricing strategy in slow markets 6:14 Break, banter, and commission quiz setup 7:04 Real estate commissions are negotiable 8:10 Selling by owner and staging realities 9:14 Caller Dustin: debt-free at 27, life insurance, DIY vs advisors 12:41 Planning for life insurance proceeds and beneficiaries 14:06 Zillow estimates and home values 14:43 Caller Joey: SMAs and tax-loss strategies 17:31 Capital gains, housing exemptions, and SMA practicality 19:16 Caller Beth: umbrella insurance for homeowners 22:02 Caller Ron: retirement income, stable value funds, RMDs 25:06 Diversification beyond the S&P 500 26:50 Returning to WSJ real estate quiz 27:43 Best ROI upgrades: paint and curb appeal 28:23 Pre-listing inspections 29:44 When home prices peak (June) 31:09 Haunted houses and disclosure laws 33:43 Listener portfolio: AVGE, AVGV, bonds Learn more about your ad choices. Visit megaphone.fm/adchoices

On today’s episode of The Rickey Smiley Morning Show Podcast, the team dives into a series of headline‑making stories shaking up pop culture, sports, and politics. Kanye West resurfaces with a full‑page Wall Street Journal apology addressing years of antisemitic remarks and erratic behavior, attributing his actions to a long‑undiagnosed frontal‑lobe injury and a four‑month manic episode in 2025. Meanwhile, fans are buzzing over Venus Williams’ marriage to actor and former model Andrea Preti, questioning her long‑stated “must have a job” rule after reports reveal little recent professional work from him, despite their love story and lavish multi‑city celebrations. The conversation continues with rapper Chingy finally opening up about how a single photo with media personality Sidney Starr spiraled into a false relationship rumor that derailed his career for years, costing him deals and opportunities despite Starr later admitting she fabricated the claims. And in political headlines, President Donald Trump says he will not attend the upcoming Super Bowl, citing travel distance while simultaneously criticizing performers Bad Bunny and Green Day as a “terrible choice” that “sows hatred,” fueling ongoing cultural tensions around the event. Website: https://www.urban1podcasts.com/rickey-smiley-morning-show See omnystudio.com/listener for privacy information.

Kanye West resurfaces with a full‑page Wall Street Journal apology addressing years of antisemitic remarks and erratic behavior, attributing his actions to a long‑undiagnosed frontal‑lobe injury and a four‑month manic episode in 2025. See omnystudio.com/listener for privacy information.

Insurance shares tumbled after the White House announced new Medicare rates. Plus: Pinterest stock falls after announcing layoffs due to AI. Katherine Sullivan hosts. Sign up for the WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus: Despite taking a hit on electric vehicles, General Motors is beating Wall Street expectations. And Yale will go tuition-free for more middle-class families. Anthony Bansie hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus: The European Union and India finalize a free-trade agreement linking almost two billion consumers. And the chair of the senate antitrust panel raises concerns over the Netflix-Warner deal. Luke Vargas hosts. Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Howie Kurtz on the fatal shooting of Alex Pretti by a Border Patrol agent in Minneapolis, the retirement of long-serving Democratic Delegate Eleanor Holmes Norton from Congress, and two newspapers owned by Rupert Murdoch, the New York Post and the Wall Street Journal coming out against ICE in Minneapolis. Follow Howie on Twitter:⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠@HowardKurtz⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠For more #MediaBuzz click here Learn more about your ad choices. Visit podcastchoices.com/adchoices

January 27, 2026: Executives say AI is making work more efficient. Employees say it's barely saving time. Gartner warns that overreliance on AI will actually lead to worse decisions. And one of the world's leading AI CEOs says the real risks are arriving faster than society is prepared for. In today's episode of Future Ready Today, I break down four stories that, together, reveal what's really happening at work in the age of AI: A 5,000-year historical lens from Forbes Tech Council on how every major technology shift redefines what humans are valuable for — and why AI is no different, just faster. A new warning from Gartner that by 2030, 30% of organizations will see worse decision-making because employees are relying on AI before developing judgment. Reporting from the Wall Street Journal showing a growing gap between executives who believe AI is boosting productivity and employees who experience more rework, confusion, and an "AI tax" on their time. A sobering essay from Anthropic CEO Dario Amodei, who argues that AI is entering its "adolescent" phase — powerful, fast-moving, and increasingly difficult to govern. Grab a copy of my new book: https://8exlaws.com/  Request to join my CHRO group: https://futureofworkleaders.com/  Join my Non-CHRO group: https://employeeexperienceleaders.com/ 

In a world that's more connected than ever yet feels increasingly lonely, award-winning journalist Jennifer B. Wallace explores why the simple human need to matter may be the most powerful force shaping our well-being. Joining Yael to discuss her new book, Mattering: The Secret to a Life of Deep Connection and Purpose, Jennifer underscores the crucial role of mattering in fostering resilience and well-being, emphasizing its importance in both personal and professional contexts. You'll gain practical ways to cultivate a sense of mattering, learn about the importance of attunement in relationships, and understand the significance of social contexts in mental health. She also reflects on the impact of technology on our social connections and the valuable lessons learned from her research on creating ecosystems that support mattering.Listen and Learn: The discovery that shifted Jennifer's entire research focus and why the real key to kids' resilience may actually lie in how adults experience purpose, value, and “mattering” in their own livesWhy “mattering” goes beyond belonging or purpose and how feeling both valued and impactful may be the hidden factor that determines whether people truly engage or quietly burn outHow a simple moment of everyday rudeness can quietly undermine our sense of mattering, and why understanding that reaction can completely change how you interpret (and respond to) those interactionsHow a lesson learned from Jennifer's father about making people feel like they matter shaped their entire lifeWhy feeling like you “matter” isn't something you can fix alone, and how small, often uncomfortable moments of connection, dependence, and even friction are actually where real healing and meaning are builtWhy do some people never seem to feel that they matter, even when the evidence is right in front of them, and what actually helps (and doesn't) when you're trying to show someone they do?How attunement can transform everyday interactions and make people feel deeply seen, valued, and connectedResources:Mattering: The Secret to a Life of Deep Connection and Purpose by Jennifer B. Wallace: https://bookshop.org/a/30734/9780593850596 Never Enough: When Achievement Culture Becomes Toxic-and What We Can Do About It by Jennifer B. Wallace: https://bookshop.org/a/30734/9780593191866 Jennifer's Website: https://www.jenniferbwallace.com/Connect with Jennifer on Social Media: https://www.linkedin.com/in/jennifer-b-wallace/https://www.instagram.com/jenniferbrehenywallace Yael's newsletter on “phubbing” with Jaqueline Nesi: https://relationalriffs.substack.com/p/are-you-phubbing-your-partner Empathy Diaries by Sherry Turkle: https://bookshop.org/a/30734/9780525560111 Power of Discord by Ed Tronick and Claudia Goldstein: https://bookshop.org/p/books/the-power-of-discord-why-the-ups-and-downs-of-relationships-are-the-secret-to-building-intimacy-resilience-and-trust-claudia-m-gold-md/f91287b2b45f7311?ean=9780316488877&next=tAbout Jennifer B WallaceJennifer Breheny Wallace is an award-winning journalist and author of the New York Times bestselling book Never Enough: When Achievement Culture Becomes Toxic—And What We Can Do About It, which was named an Amazon Best Book of the Year, and for which she joined us on POTC episode 324. She's also the founder of The Mattering Institute, whose mission is to create cultures of mattering in workplaces and communities, and co-founder of The Mattering Movement, a nonprofit dedicated to creating cultures of mattering in schools. Jennifer started her journalism career at CBS's 60 Minutes. She's contributed to The Wall Street Journal and The Washington Post, and she's here today to talk about her forthcoming book Mattering: The Secret to a Life of Deep Connection and Purpose.Related Episodes:168. Everyday Conversations: How Conversational Style Impacts Relationships with Deborah Tannen179. How to be an Adult in Relationships with Dave Richo263. Relationships with Emotionally Immature People with Lindsay Gibson324. Toxic Achievement Culture with Jennifer WallaceSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Join Christina Warren and Brett Terpstra as they navigate the freezing Minnesotan cold without running water, delve into the intersection of tech and political turmoil, and explore the latest in AI agents and multi-agent workflows. Dive into a whirlwind of emotions, tech tips, and political ranting, all while contemplating the ethics of open source funding and AI coding. From brutal weather updates to philosophical debates on modern fascism, this episode pulls no punches. Sponsor Copilot Money can help you take control of your finances. Get a fresh start with your money for 2026 with 2 months free when you visit try.copilot.money/overtired. Show Links Crimethinc: Being “Peaceful” and “Law-Abiding” Will Not Stop Authoritarianism Gas Town Apex OpenCode Backdrop Cindori Sensei Moltbot Chapters 00:00 Introduction and Host Updates 00:21 Brett’s Water Crisis 02:27 Political Climate and Media Suppression 06:32 Police Violence and Public Response 18:31 Social Media and Surveillance 22:15 Sponsor Break: Copilot Money 26:20 Tech Talk: Gas Town and AI Agents 31:58 Crypto Controversies 37:09 Ethics in Journalism and Personal Dilemmas 39:45 The Future of Open Source and Cryptocurrency 45:03 Apex 1.0? 48:25 Challenges and Innovations in Markdown Processing 01:02:16 AI in Coding and Personal Assistants 01:06:36 GrAPPtitude 01:14:40 Conclusion and Upcoming Plans Join the Conversation Merch Come chat on Discord! Twitter/ovrtrd Instagram/ovrtrd Youtube Get the Newsletter Thanks! You’re downloading today’s show from CacheFly’s network BackBeat Media Podcast Network Check out more episodes at overtiredpod.com and subscribe on Apple Podcasts, Spotify, or your favorite podcast app. Find Brett as @ttscoff, Christina as @film_girl, Jeff as @jsguntzel, and follow Overtired at @ovrtrd on Twitter. Transcript AI Agents and Political Chaos Introduction and Host Updates Christina: [00:00:00] Welcome back. You’re listening to Overtired. I’m Christina Warren. Joined as always by Brett Terpstra. Jeff Severns. Guntzel could not be with us this week, um, but uh, but Brett and I are here. So Brett, how are you? How’s the cold? Brett: The cold. Brett’s Water Crisis Brett: So I’m going on day four without running water. Um, I drove to my parents last night to shower and we’re, we’re driving loads of dishes to friends’ house to wash them. We have big buckets of melted snow in our bathtub that we use to flush the Toyland. Um, and we have like big jugs with a spout on them for drinking water. So we’re surviving, but it is highly inconvenient. Um, and we don’t know yet if it’s a frozen pipe. Or if we have [00:01:00] a bad pump on our, well, uh, hopefully we’ll find that out today. But no guarantees because all the plumbers are very busy right now with negative 30 degree weather. They tend to get a lot of calls, lots of stuff happens. Um, so yeah, but I’m, I’m staying warm. I got a fireplace, I got my heat’s working Christina: I mean, that’s the important thing. Brett: and that went out, that went out twice, in, twice already. This winter, our heat has gone out, um, which I’m thankful. We, we finally, we added glycol to our, so our heat pumps water through, like, it’s not radiators, it’s like baseboard heat, but it, it uses water and. Um, and though we were getting like frozen spots, not burst pipes, just enough that the water wouldn’t go through fast enough to heat anything. So we added glycol to that [00:02:00] system to bring the freeze point down to like zero degrees. So it’s not perfect, but we also hardwired the pump so that it always circulates water, um, even when the heat’s not running. So hopefully it’ll never freeze again. That’s the goal. Um, and if we replace the well pump, that should be good for another 20 years. So hopefully after this things will be smoother. Political Climate and Media Suppression Brett: Um, yeah, but that, that’s all in addition to, you know, my state being occupied by federal agents and even in my small town, we’ve got people being like, abducted. Things are escalating quickly at this point, and a lot of it doesn’t get talked about on mainstream media. Um, but yeah, things, I don’t know, man. I think we’re making progress because, um, apparently Binos [00:03:00] getting retired Christina: I was going to say, I, I, I, I heard, I heard that, and I don’t know if that’s good or if that’s bad. Um, I can’t, I can’t tell. Brett: it’s, it’s like, it’s like if Trump died, we wouldn’t know if that was good or bad because JD Vance as president, like maybe things get way worse. Who knows? Uh, none of these, none of these actual figureheads are the solution. Removing them isn’t the solution to removing the kinda maga philosophy behind it. But yeah, and that’s also Jeff is, you know, highly involved and I, I won’t, I won’t talk about that for him. I hope we can get him monsoon to talk about that. Christina: No, me, me, me too. Because I’ve, I’ve been thinking about, about him and about you and about your whole area, your communities, you know, from several thousand miles away. Like all, all we, all we see is either what people post online, which of course now is being suppressed. [00:04:00] Uh, thanks a lot. You know, like, like the, oh, TikTok was gonna be so terrible. Chi the, the Chinese are gonna take over our, uh, our algorithms. Right? No, Larry Ellison is, is actually going to completely, you know, fuck up the algorithms, um, and, and suppress anything. I, yeah. Yeah. They’re, they’re Brett: is TikTok? Well, ’cause Victor was telling me that, they were seeing videos. Uh, you would see one frame of the video and then it would black out. And it all seemed to be videos that were negative towards the administration and we weren’t sure. Is this a glitch? Is this coincidence? Christina: well, they claim it’s a glitch, but I don’t believe it. Brett: Yeah, it seems, it seems Christina: I, I mean, I mean, I mean, the thing is like, maybe it is, maybe it is a glitch and we’re overreacting. I don’t know. Um, all I know is that they’ve given us absolutely zero reason to trust them, and so I don’t, and so, um, uh, apparently the, the state of California, this is, [00:05:00] so we are recording this on Tuesday morning. Apparently the state of California has said that they are going to look into whether things are being, you know, suppressed or not, and if that’s violating California law, um, because now that, that, that TikTok is, is controlled by an American entity, um, even if it is, you know, owned by like a, you know, uh, evil, uh, billionaire, you know, uh, crony sto fuck you, Larry Ellison. Um, uh, I guess that means we won’t be getting an Oracle sponsorship. Sorry. Um, uh, Brett: take it anyway. Christina: I, I know you wouldn’t, I know you wouldn’t. That’s why I felt safe saying that. Um, but, uh, but even if, if, if that were the case, like I, you know, but apparently like now that it is like a, you know, kind of, you know, state based like US thing, like California could step in and potentially make things difficult for them. I mean, I think that’s probably a lot of bluster on Newsom’s part. I don’t think that he could really, honestly achieve any sort of change if they are doing things to the algorithm. Brett: Yeah. Uh, [00:06:00] if, if laws even matter anymore, it would be something that got tied up in court for a long time Christina: Right. Which effectively wouldn’t matter. Right. And, and then that opens up a lot of other interesting, um, things about like, okay, well, you know, should we, like what, what is the role? Like even for algorithmically determined things of the government to even step in or whatever, right now, obviously does, I think, become like more of a speech issue if it’s government speech that’s being suppressed, but regardless, it, it is just, it’s bad. So I’ve been, I’ve been thinking about you, I’ve been thinking about Jeff. Police Violence and Public Response Christina: Um, you know, we all saw what happened over the weekend and, and, you know, people be, people are being murdered in the streets and I mean that, that, that’s what’s happening. And, Brett: white people no less, Christina: Right. Well, I mean, that’s the thing, right? Like, is that like, but, but, but they keep moving the bar. They, they keep moving the goalpost, right? So first it’s a white woman and, oh, she, she was, she was running over. The, the officer [00:07:00] or the ice guy, and it’s like, no, she wasn’t, but, but, but that, that’s immediately where they go and, and she’s, you know, radical whatever and, and, and a terrorist and this and that. Okay. Then you have a literal veterans affair nurse, right? Like somebody who literally, like, you know, has, has worked with, with, with combat veterans and has done those things. Who, um, is stepping in to help someone who’s being pepper sprayed, you know, is, is just observing. And because he happens to have, um, a, a, a, a gun on him legally, which he’s allowed to do, um, they immediately used that as cover to execute him. But if he hadn’t had the gun, they would’ve, they would’ve come up with something else. Oh, we thought he had a gun, and they, you know what I mean? So like, they, they got lucky with that one because they removed the method, the, the, the weapon and then shot him 10 times. You know, they literally executed him in the street. But if he hadn’t had a gun, they still would’ve executed. Brett: Yeah, no, for sure. Um, it’s really frustrating that [00:08:00] they took the gun away. So he was disarmed and, and immobilized and then they shot him. Um, like so that’s just a straight up execution. And then to bring, like, to say that it, he, because he had a gun, he was dangerous, is such a, an affront to America has spent so long fighting against gun control and saying that we had the right to carry fucking assault rifles in the Christina: Kyle Rittenhouse. Kyle Rittenhouse was literally acquitted. Right? Brett: Yeah. And he killed people. Christina: and, and he killed people. He was literally walking around little fucking stogey, you know, little blubbering little bitch, like, you know, crying, you know, he’s like carrying around like Rambo a gun and literally snipe shooting people. That’s okay. Brett: They defended Christina: if you have a. They defended him. Of course they did. Right? Of course they did. Oh, well he has the right to carry and this and that, and Oh, you should be able to be armed in [00:09:00] these places. Oh, no, but, but if you’re, um, somebody that we don’t like Brett: Yeah, Christina: and you have a concealed carry permit, and I don’t even know if he was really concealed. Right. Because I think that if you have it on your holster, I don’t even think that counts as concealed to Brett: was supposedly in Christina: I, I, I don’t, I don’t, I don’t. Brett: like it Christina: Which I don’t think counts as concealed. I think. Brett: No. Christina: Right, right. So, so, so, so, so that, that, that wouldn’t be concealed. Be because you have someone in, in that situation, then all of a sudden, oh, no. Now, now the, the key, the goalpost, okay, well, it’s fine if it’s, you know, uh, police we don’t like, or, or other people. And, and, and if you’re going after protesters, then you can shoot and kill whoever you want, um, because you’ve perceived a threat and you can take actions into your, to your own hands. Um, but now if you are even a white person, um, even, you know, someone who’s, who’s worked in Veterans Affairs, whatever, if, if you have, uh, even if you’re like a, a, a, you know, a, a gun owner and, and have permits, um, now [00:10:00] if we don’t like you and you are anywhere in the vicinity of anybody associated with law enforcement, now they have the right to shoot you dead. Like that’s, that’s, that’s the argument, which is insanity. Brett: so I’m, I’m just gonna point out that as the third right came to power, they disarmed the Jews and they disarmed the anarchists and the socialists and they armed the rest of the population and it became, um, gun control for people they didn’t like. Um, and this is, it’s just straight up the same playbook. There’s no, there’s no differentiation anymore. Christina: No, it, it, it actively makes me angry that, um, I, I could be, because, ’cause what can we do? And, and what they’re counting on is the fact that we’re all tired and we’re all kind of, you know, like just, [00:11:00] you know, from, from what happened, you know, six years ago and, and, and what happened, you know, five years ago. Um, and, and, and various things. I think a lot of people are, are just. It kind of like Brett: Sure. Christina: done with, with, with being able to, to, to, right. But now the actual fascism is here, right? Like, like we, we, we saw a, a, you know, a whiff of this on, on, on January 6th, but now it’s actual fascism and they control every branch of government. Brett: Yeah. Christina: And, um, and, and, and I, and I don’t know what we’re supposed to do, right? Like, I mean it, because I mean, you know, uh, Philadelphia is, is, is begging for, for, for them to come. And I think that would be an interesting kind of standoff. Seattle is this, this is what a friend of mine said was like, you know, you know Philadelphia, Filch Philadelphia is begging them to come. Seattle is like scared. Um, that, that they’re going to come, um, because honestly, like we’re a bunch of little bitch babies and, um, [00:12:00] people think they’re like, oh, you know the WTO. I’m like, yeah, that was, that was 27 years ago. Um, uh, I, I don’t think that Seattle has the juice to hold that sort of line again. Um, but I also don’t wanna find out, right? Like, but, but, but this is, this is the attack thing. It’s like, okay, why are they in Minnesota? Right? They’re what, like 130,000, um, Brett: exactly Christina: um, immigrants in, in Minnesota. There are, there are however many million in Texas, however many million in Florida. We know exactly why, right? This isn’t about. Anything more than Brett: in any way. Christina: and opt. Right, right. It has nothing, it has nothing to do with, with, with immigration anyway. I mean, even, even the Wall Street Journal. The Wall Street Journal who a, you know, ran an op-ed basically saying get out of Minnesota. They also, they also had like a, you know, a news story, which was not from the opinion board, which like broke down the, the, the footage showing, you know, that like the, the video footage doesn’t match the administration’s claims, but they also ran a story. Um, that [00:13:00] basically did the math, I guess, on like the number of, of criminals, um, or people with criminal records who have been deported. And at this point, like in, you know, and, and when things started out, like, I guess when the raid started out, the, the majority of the people that they were kind of going after were people who had criminal records. Now, whether they were really violent, the worst, the worst, I mean that’s, I’m, I’m not gonna get into that, but you could at least say like, they, they could at least say, oh, well these were people who had criminal records, whatever. Now some, some huge percentage, I think it’s close to 80% don’t have anything. And many of the people that do the, the criminal like thing that they would hold would be, you know, some sort of visa violation. Right. So it’s, it’s, it’s Brett: they deported a five-year-old kid after using him as bait to try to get the rest of his family. Christina: as bait. Brett: Yeah. And like it’s, it’s pretty deplorable. But I will say I am proud of Minnesota. Um, they have not backed [00:14:00] down. They have stood up in the face of increasing increasingly escalated attacks, and they have shown up in force thousands of people out in the streets. Like Conti, like last night they had a, um, well, yeah, I mean, it’s been ongoing, but, uh, what’s his name? Preddy Alex. Um, at the place where he was shot, they had a, like continuing kind of memorial protest, I guess, and there’s footage of like a thousand, a thousand mins surrounding about 50, um, ICE agents and. Like basically corralling them to the point where they were all backed into a corner and weren’t moving. And I don’t know what happened after that. Um, but thus far it hasn’t been violent on the part of protesters. It’s been very violent on the part of ice. I [00:15:00] personally, I don’t know where I stand on, like, I feel like the Democrats are urging pacifism because it affects their hold on power. And I don’t necessarily think that peace when they’re murdering us in the street. I don’t know if peace is the right response, but I don’t know. I’m not openly declaring that I support violence at this point, but. At the same time, do I not? I’m not sure. Like I keep going back and forth on is it time for a war or do we try to vote our way out of this? Christina: I mean, well, and the scary thing about voting our way out of this is will we even be able to have free elections, right? Be because they’re using any sort of anything, even the most benign sort of legal [00:16:00] protest, even if violence isn’t involved in all of a sudden, talks of the Insurrection Act come Brett: yeah. And Trump, Trump offered to pull out of Minnesota if Minnesota will turn over its voter database to the federal government. Like that’s just blatant, like that’s obviously the end goal is suppression. Christina: Right, right. And, and so to your point, I don’t know. Right. And I’m, I’m never somebody who would wanna advocate outwardly for violence, but I, I, I, I, I don’t know. I mean, they’re killing citizens in the streets. They’re assassinating people in cold blood. They’re executing people, right. That’s what they’re doing. They’re literally executing people in the streets and then covering it up in real time. Brett: if the argument is, if we are violent, it will cause them to kill us. They’re already killing Christina: already doing it. Right. So at, at this point, I mean, like, you know, I mean, like, w to your point, wars have been started for, for, for less, or for the exact same things. Brett: [00:17:00] Yeah. Christina: So, I don’t know. I don’t know. Um, I know that that’s a depressing way to probably do mental health corner and whatnot, but this is what’s happening in our world right now and in and in your community, and it’s, it’s terrifying. Brett: I’m going to link in the show notes an article from Crime Think that was written by, uh, people in Germany who have studied, um, both historical fascism and the current rise of the A FD, which will soon be the most powerful party in Germany, um, which is straight up a Nazi party. Um, and it, they offered, like their hope right now lies in America stopping fascism. Christina: Yeah. Brett: Like if we can, if we can stop fascism, then they believe the rest of Europe can stop fascism. Um, but like they, it, it’s a good article. It kind of, it kind of broaches the same questions I do about like, is it [00:18:00] time for violence? And they offer, like, we don’t, we’re not advocating for a civil war, but like Civil wars might. If you, if you, if you broach them as revolutions, it’s kind of, they’re kind of the same thing in cases like this. So anyway, I’ll, I’ll link that for anyone who wants to read kinda what’s going on in my head. I’m making a note to dig that up. I, uh, I love Crime Fake Oh and Blue Sky. Social Media and Surveillance Brett: Um, so I have not, up until very recently been an avid Blue Sky user. Um, I think I have like, I think I have maybe like 200 followers there and I follow like 50 people. But I’ve been expanding that and I am getting a ton of my news from Blue Sky and like to get stories from people on the ground, like news as it happens, unfiltered and Blue Sky has been [00:19:00] really good for that. Um, I, it’s. There’s not like an algorithm. I just get my stuff and like Macedon, I have a much larger following and I follow a lot more people, but it’s very tech, Christina: It’s very tech and, Brett: there for. Christina: well, and, and MAs on, um, understandably too is also European, um, in a lot of regards. And so it’s just, it’s not. Gonna have the same amount of, of people who are gonna be able to, at least for instances like this, like be on the ground and doing real-time stuff. It’s not, it doesn’t have like the more normy stuff. So, no, that makes sense. Um, no, that’s great. I think, yeah, blue Sky’s been been really good for, for these sorts of real-time events because again, they don’t have an algorithm. Like you can have one, like for a personalized kind of like for you feed or whatever, but in terms of what you see, you know, you see it naturally. You’re not seeing it being adjusted by anything, which can be good and bad. I, I think is good because nothing’s suppressing things and you see things in real time. It can be bad because sometimes you miss things, but I think on the whole, it’s better. [00:20:00] The only thing I will say, just to anyone listening and, and just to spread onto, you know, people in your communities too, from what I’ve observed from others, like, it does seem like the, the government and other sorts of, you know, uh, uh, the, you know, bodies like that are finally starting to pay more attention to blue sky in terms of monitoring things. And so that’s not to say don’t. You know, use it at all. But the same way, you don’t make threats on Twitter if you don’t want the Feds to show up at your house. Don’t make threats on Blue Sky, because it’s not just a little microcosm where, you know, no one will see it. People are, it, it’s still small, but it’s, it’s getting bigger to the point that like when people look at like where some of the, the, the fire hose, you know, things observable things are there, there seem to be more and more of them located in the Washington DC area, which could just be because data centers are there, who knows? But I’ve also just seen anecdotally, like people who have had, like other instances, it’s like, don’t, don’t think [00:21:00] that like, oh, okay, well, you know, no one’s monitoring this. Um, of course people are so just don’t be dumb, don’t, don’t say things that could potentially get you in trouble. Um. Brett: a political candidate in Florida. Um, had the cops show up at her house and read her one of her Facebook posts. I mean, this was local. This was local cops, but still, yeah, you Christina: right. Well, yeah, that’s the thing, right? No, totally. And, and my, my only point with that is we’ve known that they do that for Facebook and for, for, you know, Twitter and, and, uh, you know, Instagram and things like that, but they, but Blue Sky, like, I don’t know if it’s on background checks yet, but it, uh, like for, uh, for jobs and things like that, I, I, I don’t know if that’s happening, but it definitely is at that point where, um, I know that people are starting to monitor those things. So just, you know, uh, not even saying for you per se, but just for anybody out there, like, it’s awesome and I’m so glad that like, that’s where people can get information out, but don’t be like [00:22:00] lulled into this false sense of security. Like, oh, well they’re not gonna monitor this. They’re not Brett: Nobody’s watching me here. Christina: It is like, no, they are, they are. Um, so especially as it becomes, you know, more prominent. So I’m, I’m glad that that’s. That’s an option there too. Um, okay. Sponsor Break: Copilot Money Christina: This is like the worst possible segue ever, but should we go ahead and segue to our, our, our sponsor break? Brett: Let’s do it. Let’s, let’s talk about capitalism. Christina: All right. This episode is brought to you by copilot money. Copilot money is not just another finance app. It’s your personal finance partner designed to help you feel clear, calm, and in control of your money. Whether it’s tracking your spending, saving for specific goals, or simply getting the handle on your investments. Copilot money has you covered as we enter the new year. Clarity and control over our finances has never been more important with the recent shutdown of Mint and rising financial stress, for many consumers are looking for a modern, trustworthy tool to help navigate their financial journeys. That’s where copilot money comes in. [00:23:00] With this beautifully designed app, you can see all your bank accounts, spending, savings and goals and investments all in one place. Imagine easily tracking everything without the clutter of chaotic spreadsheets or outdated tools. It’s a practical way to start 2026 with a fresh financial outlook. And here’s the exciting part. As of December 15th, copilot money is now available on the web so you can manage your finances on any device that you choose. Plus, it offers a seamless experience that keeps your data secure with a privacy first approach, when you sign up using our link, you’ll get two months for free. So visit, try. Copilot money slash Overtired to get started with features like automatic subscription tracking so you never miss a renewal date and customizable savings goals to help you stay on track. Copilot money empowers you to take charge of your financial life with confidence. So why wait Start 2026 with clarity and purpose. Download copilot money on your devices or visit. Try copilot money slash [00:24:00] overti today to claim you’re two months free and embrace a more organized, stress-free approach to your finances. Try copilot.money/ Overtired. Brett: Awesome that I appreciate this segue. ’cause we, we, we could, we could be talking about other things. Um, like it’s, it feels so weird, like when I go on social media and I just want to post that like my water’s out. It feels out of place right now because there’s everything that’s going on feels so much more important than, Christina: Right. Brett: than anything else. Um, but there’s still a place for living our lives, um, Christina: there are a absolutely. I mean, and, and, and in a certain extent, like not to, I mean, maybe this is a little bit of a cope, but it’s like, if all we do is focus on the things that we can’t control at the expense of everything else, it’s like then they win. You know? Like, which, which isn’t, which, which isn’t even to [00:25:00] say, like, don’t talk about what’s happening. Don’t try to help, don’t try to speak out and, and, um, and do what we can do, but also. Like as individuals, there’s very little we can control about things. And being completely, you know, subsumed by that is, is not necessarily good either. Um, so yeah, there’s, there, there are other things going on and it’s important for us to get out of our heads. It’s important, especially for you, you know, being in the region, I think to be able to, to focus on other things and, and hopefully your water will be back soon. ’cause that sucks like that. I’ve been, I’ve been worried about you. I’m glad that you have heat. I’m glad you have internet. I’m glad you have power, but you know, the pipes being frozen and all that stuff is like, not Brett: it, the, the internet has also been down for up to six hours at a time. I don’t know why. There’s like an amplifier down on our street. Um, and that has sucked because I, out here, I live in a, I’m not gonna call it rural. Uh, we’re like five minutes from town, [00:26:00] but, um, we, we don’t. We have shitty internet. Like I pay for a gigabit and I get 500 megabits and it’s, and it’s up and down all the time and I hate it. But anyway. Tech Talk: Gas Town and AI Agents Brett: Let’s talk about, uh, let’s talk about Gas Town. What can you tell me about Gastown? Christina: Okay. So we’ve talked a lot about like AI agents and, um, kind of like, uh, coding, um, loops and, and things like that. And so Gastown, uh, which is available, um, at, I, it is not Gas Town. Let me find the URL, um, one second. It’s, it’s at a gas town. No, it’s not. Lemme find it. Um. Right. So this is a thing that, that Steve Yy, uh, has created, and [00:27:00] it is a multi-agent workspace manager. And so the idea is basically that you can be running like a lot of instances of, um, of, of Claude Code or, um, I guess you could use Codex. You could use, uh, uh, uh, co-pilot, um, SDK or CLI agent and whatnot. Um, and basically what it’s designed to do is to basically let you coordinate like multiple coding agents at one time so they can all be working on different tasks, but then instead of having, um, like the context get lost when agents restart, it creates like a, a persistent, um, like. Work state, which it uses with, with git on the backend, which is supposed to basically enable more multi-agent workflows. So, um, basically the idea would be like, you get, have multiple agents working at once, kind of talking to one another, handing things off, you know, each doing their own task and then coordinating the work with what the other ones are doing. But then you have like a persistent, um, uh, I guess kind of like, you know, layer in the backend so that if an agent has to restart or whatever, it’s not gonna lose the, [00:28:00] the context, um, that that’s happening. And you don’t have to manually, um, worry about things like, okay, you know, I’ve lost certain things in memory and, and I’ve, you know, don’t know how I’m, I’m managing all these things together. Um, there, there’s another project, uh, called Ralph, which is kind of based on this, this concept of like, what of Ralph Wickham was, you know, coding or, or was doing kind of a loop. And, and it’s, it’s, it’s a, it’s kind of a similar idea. Um, there’s also. Brett: my nose wouldn’t bleed so much if I just kept my finger out of there. Christina: Exactly, exactly. My cat’s breath smells like cat food. Um, and um, and so. Like there are ideas of like Ralph Loops and Gastown. And so these are a couple of like projects, um, that have really started to, uh, take over. So like, uh, Ralph is more of an autonomous AI agent loop that basically like it runs like over and over and over again until, uh, a task is done. Um, and, and a lot of people use, use Gastown and, [00:29:00] and, and Ralph together. Um, but yeah, no Ga gastown is is pretty cool. Um, we’ll we’re gonna talk about it more ’cause it’s my pick of the week. We’ll talk about Molt bot previously known as Claude Bot, which is, uses some, some similar ideas. But it’s really been interesting to see like how, like the, the multi-agent workflow, and by multi-agent, I mean like, people are running like 20 or 30 of them, you know, at a time. So it’s more than that, um, is really starting to become a thing that people can, uh, can do. Um, Brett: gets expensive though. Christina: I was, I was just about to say that’s the one thing, right? Most people who are using things like Gastown. Are using them with the Claude, um, code Max plans, which is $200 a month. And those plans do give you more value than like, what the, what it would be if you spent $200 in API credits, uh, but $200 a month. Like that’s not an expensive, that’s, you know, that, that’s, that, that, like, you know what I mean? Like, like that, that, that, that, that, that’s a lot of money to spend on these sorts of things. Um, but people [00:30:00] are getting good results out of it. It’s pretty cool. Um. There have been some open models, which of course, most people don’t have equipment that would be fast enough for them to, to run, uh, to be able to kind of do what they would want, um, reliably. But the, the AgTech stuff coming to some of the open models is better. And so if these things can continue, of course now we’re in a ram crisis and storage crisis and everything else, so who knows when the hardware will get good enough again, and we can, when we as consumers can even reasonably get things ourselves. But, but in, in theory, you know, if, if these sorts of things continue, I could see like a, a world where like, you know, some of the WAN models and some of the other things, uh, potentially, um, or Quinn models rather, um, could, uh. Be things that you could conceivably, like be running on your own equipment to run these sorts of nonstop ag agentic loops. But yeah, right now, like it’s really freaking cool and I’ve played around with it because I’m fortunate enough to have access to a lot of tokens. [00:31:00] Um, but yeah, I can get expensive real, real fast. Uh, but, but it’s still, it’s still pretty awesome. Brett: I do appreciate that. So, guest Town, the name is a reference to Mad Max and in the kind of, uh, vernacular that they built for things like background agents and I, uh, there’s a whole bunch, there are different levels of, of the interface that they kind of extrapolated on the gas town kind of metaphor for. Uh, I, it was, it, it, there were some interesting naming conventions and then they totally went in other directions with some of the names. It, they didn’t keep the theme very well, but, but still, uh, I appreciate Ralph Wig and Mad Max. That’s. It’s at the very least, it’s interesting. Christina: No, it definitely is. It definitely is. Crypto Controversies Christina: I will say that there’s been like a little bit [00:32:00] of a kerfuffle, uh, involved in both of those, uh, developers because, um, they’re both now promoting shit coins and, uh, and so that’s sort of an interesting thing. Um, basically there’s like this, this, this crypto company called bags that I guess apparently like if people want to, they will create crypto coins for popular open source projects, and then they will designate someone to, I guess get the, the gas fees, um, in, um, uh, a Solana parlance, uh, no pun intended, with the gas town, um, where basically like that’s, you know, like the, the, the fees that you spend to have the transaction work off of the blockchain, right? Like, especially if there’s. A lot of times that it would take, like, you pay a certain percentage of something and like those fees could be designated to an individual. And, um, in this case, like both of these guys were reached out to when basically they were like, Hey, this coin exists. You’ve got all this money just kind of sitting in a crypto wallet waiting for you. [00:33:00] Take the money, get, get the, the transaction fees, so to speak. And, uh, I mean, I think that, that, that’s, if you wanna take that money right, it’s, it’s there for you. I’m not gonna certainly judge anyone for that. What I will judge you for is if you then promote your shit coin to your community and basically kind of encourage everyone. To kind of buy into it. Maybe you put in the caveat, oh, this isn’t financial advice. Oh, this is all just for whatever. But, but you’re trying to do that and then you go one step beyond, which I think is actually pretty dumb, which is to be like, okay, well, ’cause like, here’s the thing, I’m not gonna judge anyone. If someone who’s like, Hey, here’s a wallet that we’re gonna give you, and it has real cash in it, and you can do whatever you want with it, and these are the transaction fees, so to speak, like, you know, the gas fees, whatever, you know what you do. You, even if you wanna let your audience know that you’ve done that, and maybe you’re promoting that, maybe some people will buy into it, like, people are adults. Fine. Where, where I do like side eye a little bit is if you are, then for whatever reason [00:34:00] going to be like, oh, I’m gonna take my fees and I’m gonna reinvest it in the coin. Like, okay, you are literally sitting on top of the pyramid, like you could not be in a better position and now you’re, but right. And now you’re literally like paying into the pyramid scheme. It’s like, this is not going to work well for you. These are rug bulls. Um, and so like the, the, the, the gas town coin like dropped like massively. The Ralph coin like dropped massively, like after the, the, the Ralph creator, I think he took out like 300 K or something and people, or, you know, sold like 300 K worth of coins. And people were like, oh, he’s pulling a rug pull. And I’m like, well, A, what did you expect? But B it’s like, this is why don’t, like, if someone’s gonna give you free money from something that’s, you know, kind of scammy, like, I’m not saying don’t take the money. I am saying maybe be smart enough to not to reinvest it into the scam. Brett: Yeah. Christina: Like, I don’t know. Anyway, that’s the only thing I will mention on that. ’cause I don’t think that that takes [00:35:00] anything away from either of those projects or it says that you shouldn’t use or play around with it either of those ideas at all. But that is just a thing that’s happened in the last couple of weeks too, where it’s like, oh, and now there’s like crypto, you know, the crypto people are trying to get kind of involved with these projects and, um, I, I think that that’s, uh, okay. You know, um, like I said, I’m, I’m not gonna judge anybody for taking free money that, that somebody is gonna offer them. I will judge you if you’re gonna try to then, you know, try to like, promote that to your audience and try to be like, oh, this is a great way where we, where you can help me and we can all get rich. It’s like, no, there are, if you really wanna support creators, like there are things like GitHub sponsors and there are like other methods that you can, you can do that, that don’t involve making financial risks on shit coins. Brett: I wish anything I made could be popular enough that I could do something that’s stupid. Yeah. Like [00:36:00] I, I, I, I’m not gonna pull a rug pull on anyone, but the chances that I’ll ever make $300,000 on anything I’m working on, it’s pretty slim. Christina: Yeah, but at the same time, like if you, if you did, if you were in that position, like, I don’t know, I mean, I guess that’d be a thing that you would have to kind of figure out, um, yourself would be like, okay, I have access to this amount of money. Am I going to try to, you know, go all in and, and maybe go full grift to get even more? Some, something tells me that like your own personal ethics would probably preclude you from that. Brett: I, um, I have spent, what, um, how old am I? 47. I, I’ve been, since I started blogging in like 1999, 2000, um, I have always adhered to a very strict code and like turning down sponsors. I didn’t agree with [00:37:00] not doing anything that would be shady. Not taking, not, not taking money from anyone I was writing about. Ethics in Journalism and Personal Dilemmas Brett: Like, it’s been, it’s a pain in the ass to try to be truly ethical, but I feel like I’ve done it for 30 some years and, and I don’t know, I wouldn’t change it. I’m not rich. I’ll never be rich. But yeah, I think ethics are important, especially if you’re in any kind of journalism. Christina: Yeah, if you’re in any sort of journalism. I think so, and I think like how people wanna define those things, I think it’s up to them. And, and like I said, like I’m not gonna even necessarily like, like judge people like for, because I, I don’t know personally like what my situation would be like. Like if somebody was like, Christina, here’s a wallet that has the equivalent of $300,000 in it and it’s just sitting here and we’re not even asking you to do anything with this. I would probably take the money. I’m not gonna lie, I don’t, I don’t, I don’t [00:38:00] know if I would promote it or anything and I maybe I would feel compelled to disclose, Hey, Brett: That is Christina: wallet belongs to me. Brett: money though. Christina: I, I, right. I, I, I might, I might be, I might feel compelled to com to, to disclose, Hey, someone created this coin in this thing. They created the foam grow coin and they are giving me, you know, the, the, the gas fees and I have accepted Brett: could be, I’d feel like you could do it if you were transparent enough about it. Christina: Yeah, I mean, I, I, I think where I draw the line is when you then go from like, because again, it’s fine if you wanna take it. It’s then when you are a. Reinvesting the free money into the coin, which I think is just idiotic. Like, I think that’s just actually dumb. Um, like I just, I just do like, that just seems like you are literally, like I said, you’re at the top of the pyramid and you’re literally like volunteering to get into the bottom again. Um, and, or, or b like if you do that and then you try to rationalize in some way, oh, well, you know, I think [00:39:00] that this could be a great thing for everybody to, you know, I get rich, you know, you could get rich, we could all get money out of this because this is the future of, you know, creator economy or whatever. It’s like, no, it’s not. This is gambling. Um, and, and, and, and you could make the argument to me, and I’d probably be persuaded to be like, this isn’t that different from poly market or any of the other sorts of things. But you know what? I don’t do those things either. And I wouldn’t promote those things to any audience that I had either. Um, but if somebody wanted to give me free money. I probably wouldn’t turn it down. I’m not gonna pretend that my ethics are, are that strong. Uh, I just don’t know if I would, if I would, uh, go on the other end and be like, okay, to the Moom, everyone let, let’s all go in on the crypto stuff. It’s like, okay, The Future of Open Source and Cryptocurrency Brett: So is this the future of open source is, ’cause I mean like open source has survived for decades as like a concept and it’s never been terribly profitable. But a [00:40:00] lot of large companies have invested in open source, and I guess at this point, like most of the big open source projects are either run by a corporation or by a foundation. Um, that are independently financed, but for a project like Gastown, like is it the future? Is this, is this something people are gonna start doing to like, kind of make open source profitable? Christina: I mean, maybe, I don’t know. I think the problem though is that it’s not necessarily predictable, right? And, and not to say that like normal donations or, or support methods are predictable, but at least that could be a thing where you’re like, they’re not, but, but, but it’s not volatile to the extent where you’re like, okay, I’m basing, you know, like my income based on how well this shit coin that someone else controls the supply of someone else, you know, uh, uh, created someone else, you know, burned, so to speak, somebody else’s is going to be, uh, [00:41:00] controlling and, and has other things and could be responsible for, you know, big seismic like market movements like that I think is very different, um, than anything else. And so, I don’t know. I mean, I, I think that they, what I do expect that we’ll see more of is more and more popular projects, things that go viral, especially around ai. Probably being approached or people like proactively creating coins around those things. And there have been some, um, developers who’ve already, you know, stood up oddly and been like, if you see anybody trying to create a coin around this, it is not associated with me. I won’t be associated with any of it. I won’t do it. Right. Uh, and I think that becomes a problem where you’re like, okay, if these things do become popular, then that becomes like another risk if you don’t wanna be involved in it. If you’re involved with a, with a popular project, right? Like the, like the, like the creator of MPM Isaac, like, I think there’s like an MPM coin now, and that, that he’s, you know, like involved in and it’s like, you know, again, he didn’t create it, but he is happy to promote it. He’s happy to take the money. I’m like, look, I’m happy for [00:42:00] Isaac to get money from NPMI am at the same time, you know, bun, which is basically like, you know, the, you know, replacement for, for Node and NPM in a lot of ways, they sold to Anthropic for. I guarantee you a fuck load more money than whatever Isaac is gonna make off of some MPM shitcoin. So, so like, it, it’s all a lottery and it’s not sustainable. But I also feel like for a lot of open source projects, and this isn’t like me saying that the people shouldn’t get paid for the work, quite the contrary. But I think if you go into it with the expectation of I’m going to be able to make a sustainable living off of something, like when you start a project, I think that that is not necessarily going to set you up for, I think that those expectations are misaligned with what reality might be, which again, isn’t to say that you shouldn’t get paid for your work, it’s just that the reason that we give back and the reason we contribute open source is to try to be part of like the, the greater good and to make things more available to everyone. Not to be [00:43:00] like, oh, I can, you know, quit my job. Like, that would be wonderful. I, I wish that more and more people could do that. And I give to a lot of, um, open source projects on, on a monthly basis or on an annual basis. Um, Brett: I, I give basically all the money that’s given to me for my open source projects I distribute among other open source projects. So it’s a, it’s a, it’s a wash for me, but yeah, I am, I, I pay, you know, five, 10 bucks a month to 20 different projects and yeah. Christina: Yeah. I mean, I think it’s important, but, but I, I don’t know. I, I, I hope that it’s not the future. I’m not mad, I think like if that’s a way where people can make, you know, a, a, an income. But I do, I guess worry the sense that like, if, if, if, I don’t want that to be, the reason why somebody would start an open source project is because they’re like, oh, I, I can get rich on a crypto thing. Right? Like, ’cause that that’s the exact wrong Brett: that’s not open source. That’s not the open source philosophy. Christina: no, [00:44:00] it’s not. And, and so, I mean, but I think, I think if it already exists, I mean, I don’t know. I, I also feel like no one should feel obligated. This should go without saying that. If you see a project that you like that is involved in one of those coins. Do you have a zero obligation to be, uh, supportive of that in any way? And in fact, it is probably in your financial best interest to not be involved. Um, it, it is your life, your money, your, you do whatever you want, gamble, however you want. But, uh, I, I, I, I do, I guess I, I bristle a little bit. Like if people try to portray it like, oh, well this is how you can support me by like buying into this thing. I’m like, okay, that’s alright. Like, I, I, if you wanna, again, like I said, if you wanna play poly market with this, fine, but don’t, don’t try to wrap that around like, oh, well this is how you can give back. It’s like, no, you can give back in other ways. Like you can do direct donations, you can do other stuff. Like I would, I would much rather encourage people to be like, rather than putting a hundred dollars in Ralph Coin, [00:45:00] give a hundred dollars to the Ralph Guy directly. Apex 1.0? Brett: So, speaking of unprofitable open source, I have Apex almost to 1.0. Um, it officially handles, I think, all of the syntax that I had hoped it would handle. Um, it does like crazy things, uh, that it’s all built on common mark, GFM, uh, like cmar, GFM, GitHub’s project. Um, so it, it does all of that. Plus it handles stuff from like M mark with like indices. Indices, and it incorporates, uh. Uh, oh, I forget the name of it. Like two different ways of creating indices. It handles all kinds of bibliography syntax, like every known bibliography syntax. Um, I just added, you can, you can create insert tags with plus, plus, uh, the same way you would create a deletion with, uh, til detail. Um, and [00:46:00] I’ve added a full plugin structure, and the plugins now can be project local. So you can have global plugins. And then if you have specific settings, so like I have a, I, my blogs are all based on cramdown and like the bunch documentation is based on cramdown, but then like the mark documentation. And most of my writing is based on multi markdown and they have different. Like the, for example, the IDs that go on headers in multi markdown. If it’s, if it has a space in multi markdown, it gets compressed to no space in common Mark or GFM, it gets a dash instead of a space, which means if I have cross links, cross references in my document, if I don’t have the right header syntax, the cross reference will break. So now I can put a, a config into like my bunch documentation that tells Apex to use, [00:47:00] um, the dash syntax. And in my Mark documentation, I can tell it to use the multi markdown syntax. And then I can just run Apex with no command line arguments and everything works. And I don’t know, I, I haven’t gotten adoption for it. Like the one place I thought it could be really useful was DEVONthink, Christina: Mm-hmm. Brett: which has always been based on multi markdown, which. Um, is I love multi markdown and I love Fletcher and, um, it’s just, it’s missing a lot of what I would consider modern syntax. Christina: Right. Brett: so I, I offered it to Devin think, and it turned out they were working on their own project along the same lines at the same time. Um, but I’m hoping to find some, some apps that will incorporate it and maybe get it some traction. It’s solid, it’s fast, it’s not as fast as common Mark, but it does twice as much. Um, like the [00:48:00] benchmarks, it a complex document renders in common mark in about. Uh, 27 milliseconds, and in Apex it’s more like 46 milliseconds. But in the grand scheme of things, I could render my whole blog 10 times faster than I can with cramm down or Panoc and yeah, and, and I can use all the syntax I want. Challenges and Innovations in Markdown Processing Brett: Did I tell you about, did I tell you about, uh, Panoc Divs? The div extension, um, like you can in with the panoc D extension, you can put colon, colon, colon instead of like back, take, back, take backtick. So normally, like back ticks would create a code block with colons, it creates a div, and you can apply, you can apply inline attribute lists after the colons to make, to give it a class and an ID and any other attributes you wanna apply to it. I extended that so that you can do colon, [00:49:00] colon, colon, and then type a tag name. So if you type colon, colon, colon aside and then applied an attribute list to it, it would create an aside tag with those attributes. Um, the, the only pan deck extension that I wish I could support that I don’t yet is grid tables. Have you ever seen grid tables? Christina: I have not. Brett: There, it’s, it’s kind of like multi markdown table syntax, except you use like plus signs for joints and uh, pipes and dashes, and you actually draw out the table like old ASCI diagrams Christina: Okay. Brett: and that would render that into a valid HTML table. But that supporting that has just been, uh, tables. Tables are the thing. I’ve pulled the most hair out over. Christina: Yeah, I was gonna say, I think I, they feel like tables are hard. I also feel like in a lot of circumstances, I mean obviously people use tables and whatnot, but like, [00:50:00] only thing I would say to you, like, you know, apex is, is so cool and I hope that other projects adopt it. Um, and, uh, potentially with the POC support as far as you’ve gotten with it, maybe, you know, projects that support some of POC stuff could, could, you know, uh, jump into it. But I will say it does feel like. Once you go into like the Panoc universe, like that almost feels like a separate thing from the markdown Flavors like that almost feels like its own like ecosystem. You know what I mean? Brett: Well, yeah, and I haven’t tried to adopt everything Panoc does because you can als, you can also use panoc. You can pipe from Apex into Panoc or vice versa. So I’m not gonna try to like one for one replicate panoc, Christina: No, no. Totally Brett: do all of panoc export options because Panoc can take HTML in and then output PDFs and Doc X and everything. So you can just pipe output from Apex into Panoc to create your PDF or whatever Christina: And like, and, and like to, [00:51:00] and like to me, like that seems ideal, right? But I feel like maybe like adopting some of the other things, especially like, like their grid, you know, table, things like that. Like that would be cool. But like, that feels like that’s a, potentially has the, has the potential, maybe slow down rendering and do other stuff which you don’t want. And then b it’s like, okay, now are we complicated to the point that like, this is, this is now not becoming like one markdown processor to rule them all, but you Brett: Yeah, the whole point, the whole point is to be able to just run Apex and not worry about what cex you’re using. Um, but grid tables are the kind of thing that are so intentional that you’re not gonna accidentally use them. Like the, the, the, the impetus for Apex was all these support requests I get from people that are like the tilde syntax for underline or delete doesn’t work in Mark. And it, it does if you choose the right processor. But then you have to know, yeah, you have to [00:52:00] know what processor supports what syntax and that takes research and time and bringing stuff in from, say, obsidian into mart. You would just kind of expect things to work. And that’s, that’s why I built Apex and Christina: right? Brett: you are correct that grid tables are the kind of thing, no one’s going to use grid tables if they haven’t specifically researched what Christina: I right. Brett: they’re gonna work with. Christina: And they’re going to have a way that has their file marked so that it is designated as poc and then whatever, you know, flags for whatever POC features it supports, um, does. Now I know that the whole point of APEX is you don’t have to worry about this, but, but I am assuming, based on kind of what you said, like if I pass like arguments like in like a, you know, in a config file or something like where I was like, these documents or, or, or this URL or these things are, you know, in this process or in this in another, then it can, it can just automatically apply those rules without having to infer based on the, on the syntax, right. Brett: right. It has [00:53:00] modes for cram down and common mark and GFM and discount, and you can like tell it what mode you’re writing in and it will limit the feature set to just what that processor would handle. Um, and then all of the flags, all of the features have neg negotiable flags on them. So if you wanted to say. Skip, uh, relax table rendering. You could turn that off on the command line or in a config file. Um, so yeah, everything, everything, you can make it behave like any particular processor. Uh, but I focus mostly on the unified mode, which again, like you don’t have to think about which processor you are using. Christina: Are you seeing, I guess like in, in circumstances like, ’cause I, in, in my, like, my experience, like, I would never think to, like, I would probably like, like to, I would probably do like what you do, which is like, I’m [00:54:00] going to use one syntax or, or one, you know, processor for one type of files and maybe another and another. Um, but I, I don’t think that like, I would ever have a, and maybe I’m misunderstanding this, but I don’t think I would ever have an instance where I would be like mixing the two together in the same file. Brett: See, that’s my, so that’s, that’s what’s changing for me is I’m switching my blog over to use Apex instead of Cramdown, which means I can now incorporate syntax that wasn’t available before. So moving forward, I am mixing, um, things from common mark, things from cram down, things from multi markdown. Um, and, and like, so once you know you have the option Christina: right. Then you might do that Brett: you have all the syntax available, you start doing it. And historically you won’t have, but like once you get used to it, then you can. Christina: Okay. So here’s the next existential question for you. At what point then does it go from being, you know, like [00:55:00] a, a, a rendering engine, kind of like an omni rendering engine to being a syntax and a flavor in and of itself? Brett: That is that, yeah, no, that’s a, that’s a very valid question and one that I have to keep asking myself, um, because I never, okay, so what to, to encapsulate what you’re saying, if you got used to writing for Apex and you were mixing your syntax, all of a sudden you have a document that can’t render in anything except Apex, which does eventually make it its own. Yeah, no, it is, it’s always, it’s a concern the whole time. Christina: well, and I, I wouldn’t even necessarily, I mean, like, and I think it could be two things, right? I mean, like, you could have it live in two worlds where, like on the one hand it could be like the rendering engine to end all rendering engines and it can render, you know, files and any of them, and you can specify like whatever, like in, in, in like a tunnel or something. Like, you know, these files are, [00:56:00] are this format, these are these, and you know, maybe have some sort of, you know, um, something, even like a header files or whatever to be like, this is what this rendering engine is. Um, you know, with, with your projects to have it, uh, do that. Um. Or have it infer, you know, based on, on, on, um, the, the logic that you’re importing. But it could also be one of those things where you’re like, okay, I just have created like, you know, the omni syntax. And that’s a thing that maybe, maybe you get people to try to encourage or try, try to adopt, right? Like, it’s like, okay, you can always just use common mark. You can always just use GFM, you can always just use multi markdown, but we support these other things too, from these other, um, systems and you can intermix and match them. Um, because, because I, I do feel like at a certain point, like at least the way you’re running it yourself, you have your own syntax. Like, like, you know. Brett: yeah. No, you have perfectly encapsulated the, the major [00:57:00] design concern. And I think you’re correct. It can exist, it can be both things at once. Um, but I have like, nobody needs another markdown syntax. Like there are so many flavors right now. Okay. There may be a dozen. It’s not like an infinite number, but, but there’s enough that the confusion is real. Um, and we don’t need yet another markdown flavor, but we do need a universal processor that. Makes the differentiations less, but yeah, no, it’s, I need, I need to nail down that philosophy, uh, and really like, put it into writing and say, this is the design goal of this project, uh, which I have like hinted at, but I’m a scattered thinker and like, part of, part of the design philosophy is if someone says, Hey, [00:58:00] could you make this work? I just wanted a project where I could say, yeah, I’m gonna make that work. I, I, I’m gonna add this somewhat esoteric syntax and it’s just gonna work and it’s not gonna affect anything else. And you don’t have to use it, but if you do, there it is. So it’s kind of, it was designed to bloat to a circuit certain extent. Um, but yeah, I need to, I need to actually write a page That’s just the philosophy and really, really, uh, put, put all my thoughts together on that. Christina: Yeah, no, ’cause I was just kind of thinking, I was like, ’cause it’s so cool. Um, but the way that I would’ve envisioned using it, like I, I still like, it’s cool that you can mix all those things in together. I still feel like I probably wouldn’t because I’m not you. And so then I would just have like this additional dependency that it’s like, okay, if something happens to Apex one day and that’s the only thing that can render my documents, then like, you know what I mean? And, and, and if it’s not getting updated [00:59:00] anymore or whatever, then I’m kind of like SOL, um, Brett: Maku. Do you remember Maku? Christina: vaguely. Brett: It’s, the project is kind of dead and a lot of its syntax has been incorporated into various other processors. But if you built your whole blog on Maku, you have to, you have to be able to run like a 7-year-old binary, um, and, and it’ll never be updated, and eventually you’re gonna run into trouble. The nice thing about Unix based stuff is it’s. Has a, you can stop developing it and it’ll work for a decade, um, until, like, there’s a major shift in processors, but like, just the shift to arm. Like if, if Maku was only ever compiled for, uh, for, uh, Intel and it wasn’t open source, you would, it would be gone. You wouldn’t be able to run it anymore. So yeah, these things can happen. Christina: [01:00:00] Well, and I just even think about like, you know, the fact that like, you know, like some of the early processors, like I remember like back, I mean this is a million years ago, but having to use like certain, like pearl, you know, based things, you know, but depending on like whatever your backend system was, then you moved to PHP, they maybe you move, moved to, you know, Ruby, if you’re using like Jekyll and maybe you move to something else. And I was like, okay, you know, what will the thing be in the future? Yeah. If, if I, if it’s open source and there’s a way that, you know, you can write a new, a new processor for that, but it does create like, dependencies on top of dependencies, which is why I, I kind of feel like I like having like the omni processor. I don’t know if, like, for me, I’m like, okay, I, I would probably be personally leery about intermingling all my different syntaxes together. Brett: to that end though, that is why I wanted it in C um, because C will probably never die. C can be compiled on just about any platform. And it can be used with, like, if you have, if you have a Jekyll blog and you wanna [01:01:00] incorporate a C program into a gem, it’s no problem. Uh, you can incorporate it into just about any. Langu

Referrals are often talked about as a “nice to have.” In this episode of Behind The Numbers With Dave Bookbinder, they're treated for what they really are - a measurable, scalable driver of profitable growth. Dave Bookbinder speaks with Brandon Barnum, widely known as the “King of Referrals,” about how referral-driven businesses outperform those that rely on traditional selling. Brandon shares his journey from single dad to referral-based entrepreneur and CEO of HOA.com, and breaks down the numbers behind referrals, including why B2B referrals convert at higher rates, stay longer, and deliver greater lifetime value. The conversation goes beyond theory and into execution. Brandon explains the mindset shift from selling to serving, his three-step referral framework (set the stage, listen for referral triggers, ASK to GET), and how to move referrals from something informal to a repeatable system. They discuss how to build and train referral partnerships, co-marketing strategies that actually work, and how to stand out when a prospect is given multiple referrals. Brandon also covers overlooked referral sources, the KPIs that matter when tracking referral performance, and how to scale referrals without losing the personal connection that makes them effective in the first place. Listeners will walk away with practical, actionable ideas - how to audit your existing relationships, why committing to one referral partner meeting per week can change your pipeline, how to systematize referrals across your team, and how to create a clear referral partner blueprint. About Our Guest: Brandon Barnum, known as the "King of Referrals," is an award-winning entrepreneur, speaker, and business strategist. He is the CEO of HOA.com and the author of four #1 best selling books in the Raving Referrals book series. A referral and sales expert, Brandon 10X'd his income from $20K to $200K in just 18 months. He has since generated over $500 million in referral-based transactions and built networks with over 5 million members in 195 countries and has helped over 250,000 real estate agents grow their businesses. Previously, he served as CEO of Codebreaker Technologies, developing the world's first personality-based AI for sales. Featured in "The Wall Street Journal", "Newsweek", and "Cracking the Millionaire Code", Brandon helps professionals expand their income, influence, and impact through proven referral and sales strategies. https://ravingreferrals.com About the Host: Dave Bookbinder is known as an expert in business valuation and he is the person that business owners and entrepreneurs reach out to when they need to know what their most important assets are worth. Known as a collaborative adviser, Dave has served thousands of client companies of all sizes and industries.  Dave is the author of two #1 best-selling books about the impact of human capital (PEOPLE!) on the valuation of a business enterprise called The NEW ROI: Return On Individuals & The NEW ROI: Going Behind The Numbers.  He's on a mission to change the conversation about how the accounting world recognizes the value of people's contributions to a business enterprise, and to quantify what every CEO on the planet claims: “Our people are this company's most valuable asset.” Dave's book, A Valuation Toolbox for Business Owners and Their Advisors: Things Every Business Owner Should Know, was recognized as a top new release in Business and Valuation and is designed to provide practical insights and tools to help understand what really drives business value, how to prepare for an exit, and just make better decisions. He's also the host of the highly rated Behind The Numbers With Dave Bookbinder business podcast which is enjoyed in more than 100 countries.

Retirement researcher Stefan Sharkansky explains why the 4% rule often leaves retirees underspending — and how a more flexible, math-driven approach can lead to a better retirement experience. For decades, the 4% rule has been treated as a gold standard for retirement spending. In fact, I made video about it on my YouTube channel. If you ask most retirees how much they can safely spend, the conversation quickly turns to probabilities, simulations, and avoiding failure. But what if the real risk isn't running out of money — it's not using it well? In this episode of Retire Today, I'm joined by Stefan Sharkansky, whose background in math and computer science led him to question how retirement spending strategies are actually designed — and what they optimize for. As Stefan put it plainly, “Under the average market scenario, following the safe withdrawal rate of 4% would leave you with more when you passed away than when you started.” In other words, many retirees are leaving too much money on the table in their retirement spending plan. The Problem With “Safe” Withdrawal Rates Most retirement spending research focuses on one outcome: not running out of money. Advisors often present plans as probabilities — a 90% or 95% chance of success — where “success” means the portfolio never hits zero. But this framing runs the risk of missing what retirees actually care about. After all, if you have a 90% probability of success, what that really means is that 89% of the time, you could have spent more. That insight flips traditional planning on its head. Instead of asking, “What's the safest amount I can withdraw?” the better question becomes, “What level of spending lets me live well — while staying adaptable if conditions change?” Why Retirement Spending Isn't Constant One major flaw in the 4% rule is the assumption that spending stays flat year after year. Real life doesn't work that way. Spending often starts higher in early retirement with travel and experiences, dips in later years, then rises again due to healthcare needs. Taxes also change as retirees shift between taxable accounts, IRAs, and Roth accounts. As Stefan noted, “This idea of constant spending never exists in the real world.” Any retirement spending plan that assumes otherwise is solving the wrong problem. A Salary-and-Bonus Approach to Retirement Stefan's research introduces a different framework — one that mirrors how people actually lived during their working years. He described a model where retirees create: A stable, inflation-protected income base using Social Security and a ladder of TIPS (Treasury Inflation-Protected Securities) A variable ‘bonus' income driven by long-term stock performance “You have your salary from Social Security and your TIPS,” Stefan explained, “and then you get a bonus based on how the stock market does.” In strong markets, spending can increase. In weaker years, spending adjusts — while working to help maintain long-term security. The key is that adjustment is assumed, not treated as failure. Rethinking Risk Tolerance Traditional risk tolerance focuses on portfolio volatility — how much account values swing up and down. Stefan argues retirees should think differently. “Risk tolerance should be about how much variability in income you're comfortable with,” he said, “not just what percentage of stocks and bonds you hold.” Some retirees prefer a higher guaranteed income floor with less variability. Others are comfortable with more income fluctuation in exchange for higher long-term spending. The right plan aligns income stability with personal preferences — not arbitrary rules. Why This Matters Many retirees say the 4% rule “doesn't work for them” — not because it's unsafe, but because it doesn't generate enough income to support the life they want. Stefan's research shows that when you plan for flexibility, rather than perfection, you can often spend more, not less — while still maintaining control. The goal isn't to maximize your ending balance. It's to maximize your retirement experience. Ultimately, you need to make your retirement spending plan in a way that not only is within your means, but meets your retirement goals.  Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Is the 4% Rule Outdated? New Research Reveals the TRUTH – Mr. Retirement YouTube Channel Stefan Sharkansky on LinkedIn TheBestThird.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Shoot us a Text.Episode #1254: GM takes a multibillion-dollar EV hit but says 2026 looks brighter, white-hat hackers cash in by cracking EV chargers and infotainment systems, and the airline industry gets its annual report cardGeneral Motors closed 2025 with a wider quarterly loss after taking billions in EV and China-related charges. But underneath the headline number, core profits held up, cash flowed in North America, and GM is signaling confidence that 2026 will be stronger.GM reported a $3.3B Q4 net loss after booking more than $7B in charges, largely tied to cutting back EV production and restructuring its China joint venture.Adjusted EBIT rose 13% in the quarter, and GM earned $10.5B in North America for the year, resulting in profit-sharing bonuses up to $10,500 for UAW workers.EV losses are projected to improve by $1B–$1.5B in 2026CEO Mary Barra told shareholders the company sees stability ahead: “We expect the U.S. new vehicle market will continue to be resilient… 2026 should be an even better year for GM.”From EV chargers to infotainment systems, the Pwn2Own Automotive 2025 competition exposed how much of the industry is still very hackable.Hackers earned $886,250 uncovering nearly 50 zero-day vulnerabilities in EV chargers, infotainment systems, and automotive softwareInfotainment systems from Kenwood, Sony, and Alpine were successfully exploited, along with chargers from ChargePoint, Autel, Ubiquiti, Phoenix Contact, WolfBox, and Tesla.Tesla Wall Connectors alone accounted for more than $140,000 in payouts, while the overall winning team, Summoning Team, took home $222,250.Notably, no one attempted to hack a Tesla vehicle, despite a car and large cash prizes on the table.If 2025 felt like a rough year to fly, you're not wrong. But turbulence hit everyone. What separated airlines wasn't the chaos—it was execution. The Wall Street Journal's airline scorecard crowns a new winner and reshuffles the pecking order.(Worst → Best): Frontier (T-last), American (T-last), JetBlue (7th), United (6th), Spirit (5th), Alaska (4th), Delta (3rd), Allegiant (2nd), Southwest (1st).Southwest wins for the first time since 2020, ending Delta's four-year streak with strong all-around operations and industry-low complaints.Explaining Southwest's edge, COO Andrew Watterson said the airline avoids the “easy” option when things go sideways: “It's very easy to cancel a flight. That's the path of least resistance.”This episode of the Automotive State of the Union is brought to you by Amazon Autos: Meet customers where tJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

How do you Ai? I asked Christopher Mims about his new book, "How To Ai." He discusses his own job's risk level, how Ai removes what he calls "toil" and how Ai may very well make you and I just a bit more human. As the host of Bold Names and columnist of The Wall Street Journal's "Keywords," he details practical Ai use cases. For tech folks, you'll learn practical stories, for the uninitiated, you'll get caught up.   Buy the book: https://www.amazon.com/How-AI-Through-Basics-Transform/dp/B0F6MKZ1DH Find Justin: justinbradyshow.com Chapters 01:06 - Ai removes toil, not jobs 07:00 - Job disruption or new opportunities 09:23 - Clorox uses Ai for previously impossible tasks 10:56 - Generative vs non-generative AI 12:49 - Is the construction industry at Ai risk? 14:57 - The urgency of adopting Ai 17:17 - Ai and law. A win for lawyers and consumers.  24:40 - Ai in Hollywood. Will it kill creativity? 28:40 - Tension of job loss and productivity gains 30:40 - Ai makes us more human 31:22 - Journalism in an AI World

Jennifer L. Scott is the New York Times bestselling author of Lessons from Madame Chic, At Home with Madame Chic and Polish Your Poise with Madame Chic, Mademoiselle Chic, and Connoisseur Kids. She is also the creator of the YouTube channel, The Daily Connoisseur, where she explores the fine art of living. Jennifer has been featured on CNN, BBC, CBS News, and in The New York Times, The Wall Street Journal, The Epoch Times, Vanity Fair, USA Today, Newsweek, and The Daily Mail. She and her family live in Southern California and the English countryside. Her latest book, The Daily Connoisseur's Guide to Living Well at Home is out now.Learn more at www.jenniferlscott.comSupport the show

Andrew Walworth, Tom Bevan and Carl Cannon discuss whether a compromise is possible when it comes to ICE enforcement in Minneapolis. And, Senate Democrats are now promising to shut down the government this Friday if funding for ICE and Customs and Border Protection is included in the federal budget. Next, they talk about President Donald Trump's appearance in Iowa, where he talks about affordability. And, they talk about Alex Vindman, a key figure in the 2019 impeachment case against President Trump, announcing his bid for the Democratic nomination for Senator in Florida. Then, they chat about Kanye West's full-page ad in yesterday's Wall Street Journal where he blamed his antisemitic remarks on a bipolar disorder resulting from a brain injury suffered more than two decades ago. Then finally, they discuss President Trump skipping the Super Bowl because he doesn't like Bad Bunny and Green Day, and Neil Young who pulled his catalogue from Amazon in protest against Jeff Bezos and is providing a year's worth of music and video for free to the people of Greenland. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Nick Pitts of The Briefing reflects on former Senator Ben Sasse's recent Wall Street Journal editorial about his terminal cancer diagnosis, what he hoped he left behind, and his hope of eternity.  How do you want to be remembered? Also, Nick looks at this past week's March for Life, and the state of the pro-life movement.  Luke Moon of Generation Zion and The Philos Project updates us on what's happening in the Middle East, the Gaza Board of Peace, the remains of the last October 7th Israeli hostage returned.  He also reflects on today: International Holocaust Remembrance Day.   The Reconnect with Carmen and all Faith Radio podcasts are made possible by your support. Give now: Click here

Tim Ferriss is the author of five #1 New York Times and Wall Street Journal bestsellers, including The 4-Hour Workweek, The 4-Hour Body, and The 4-Hour Chef. His podcast, The Tim Ferriss Show, has surpassed one billion downloads and is widely regarded as the “Oprah of audio.” Named as one of Fortune's “40 Under 40,” Tim is an early-stage technology investor/advisor (Uber, Facebook, Shopify, Duolingo, Alibaba, and 50+ others) and was ranked among the “Top 20 Angel Investors” by Forbes. A Princeton University graduate (BA 2000, East Asian Studies), Tim is a polyglot who speaks five languages to different degrees, a national Chinese kickboxing champion, the first American in history to hold a Guinness World Record in tango spins, and a practiced horseback archer (yabusame) in Japan. His business ventures include bootstrapping a nootropics company (BrainQUICKEN) to millions in revenue before selling it in 2010, launching the audiobook imprint Tim Ferriss Publishing with Amazon Audible (responsible for modern classics like Ego Is the Enemy and The Obstacle Is the Way), and co-creating the hit card game COYOTE (2025) with Exploding Kittens creator Elan Lee—now sold in over 8,000 stores worldwide including Target, Walmart, and Amazon. Known for normalizing vulnerability while achieving massive success, Tim pioneered the remote-work and lifestyle-design movements pre-pandemic, popularized biohacking, and has served as an advisor at Singularity University and a 2009 Henry Crown Fellow at the Aspen Institute. Shawn Ryan Show Sponsors: Upgrade your wallet today and get 10% off at Ridge with code SRS at https://www.Ridge.com/SRS #Ridgepod Go to https://shopbeam.com/SRS and use code SRS to get up to 50% off Beam Dream Nighttime Cocoa—grab it for just $32.50 and improve your sleep today. Sign up for your $1 per month trial and start selling today at https://shopify.com/srs Tim Ferriss Links: The No Book free chapters - https://tim.blog/nobook Everything Tim – https://tim.blog Podcast – https://tim.blog/podcast X – https://x.com/tferriss Instagram – https://www.instagram.com/timferriss YouTube – https://www.youtube.com/timferriss COYOTE Game – https://www.explodingkittens.com/products/coyote Books - https://www.amazon.com/stores/author/B001ILKBW2/allbooks Learn more about your ad choices. Visit podcastchoices.com/adchoices

Kanye West apologizes for Anti-Semitic remarks, Dave Landau back in studio, Eli Zaret joins us as Super Bowl LX is set, Jaden Smith's fashion line, Meghan Markle at Sundance, Nicki ‘MAGA' Minaj, and funeral twerking. Eli Zaret joins the show to discuss the NFL Conference Finals, Super Bowl LX, the fall of Tony Romo, Erin Andrews' fashion sense, Eli vs Bad Bunny(though he LOVED Michael Jackson), the Detroit Lions hire of Drew Petzing, the Charles Bediako v. NCAA saga, Michigan/MSU basketball preview, Eli gives up on the 2026 Detroit Tigers, Alex Honnold's Skyscraper Live on Netflix and more. Comedian Dave Landau stops by the studio. Check out his next tour dates right here. Drew watched a YouTube video with 1 view. Nicki Minaj is MAGA these days. She recently saved her mansion at the very last second. Funeral twerking is a real thing and it's fantastic. Nancy Lee Grahn has a boycott against American Idol on Jimmy Kimmel. Stephen A. Smith's ‘Brick' is a soap opera superstar. Free Bert might be better than we initially thought it'd be. It's currently #4 on Netflix. Smith Shenanigans: Jaden Smith's fashion line is overpriced and ugly as hell. We watch Will Smith fake freestyle rap. Will is facing some sexual harassment claims. Kanye West backtracks on that whole Nazi thing by placing a statement in the Wall Street Journal. Hinck-Dogg has a big anniversary coming up. He totally made Jodie Foster gay according to him. Vito Luprano is spilling on Celine Dion's career & relationships. Skyscraper Live was a watchable debacle. We're reminded of Karl Wallenda. Meghan Markle is the worst and she's trying to be special at Sundance. Smell good at shopmando.com using promo DREW! Merch remains available. Click here to see what we have to offer for a limited time. If you'd like to help support the show… consider subscribing to our YouTube Channel, Facebook, Instagram and Twitter (Drew Lane, Marc Fellhauer, Trudi Daniels, Jim Bentley and BranDon)

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureChina & Canada are trying to bypass Trump trade tariffs. This has already failed, and Trump calls out Carney.EU economy is weak and it is getting weaker, there are two paths, one that follows the [CB] agenda the other is Trump economic agenda. Inflation declines again, Gold and Silver are up, Trump’s plan is working, its time to end the endless.The [DS] is now calling for the insurgency to accelerate. Clinton and Obama are now calling on their foot soldiers to push the insurrection against Trump. Trump has put a message to all D’s, lets work together, the optics are very good, the D’s will do this for a short period of time but in the end they will push the insurrection. Once they do this, they lost the people. Timing and optics are very important.   Economy  Carney Cracks: Canada Has ‘No Intention’ Of Pursuing Free Trade Deal With China After Trump Threatens 100% Tariffs To review: right before Davos, Canadian Prime Minister Mark Carney returned from a trip to Beijing and announced a new 5-point ‘strategic partnership’ to ‘diversify our trade partnerships.’ The agreements included slashing tariffs on Chinese EV imports from 100 percent to 6.1 percent for the first 49,000 units, in exchange for China cutting tariffs on Canadian canola from 85 percent to 15 percent until at least the end of the year. Other exports, including Canadian canola meal, lobsters, crabs, and peas will also not be subject to Chinese anti-discrimination tariffs until at least the end of 2026. A week later, Carney told the global elite at Davos resort that the “rules-based order” established by the United States and its allies following WW2 was fraying amid the current rivalry between China and America, so the “middle powers must act together because if we’re not on the table, we’re on the menu.”  Carney said that for their survival, nations should no longer “go along to get along” with Trump.   Canadian Prime Minister Mark Carney says Canada has “no intention” of pursuing a free trade deal with China, after Donald Trump threatened to slap a 100% tariff on Canadian exports if Ottawa “makes a deal” with Beijing.   Source: zerohedge.com Trump Is Right About Europe's Weak Economy: U.S. vs. EU Compared  President Trump argued that Europe's economic stagnation is the result of a self-inflicted “civilizational erasure” driven by reliance on what he calls the “Green New Scam,” which he says has replaced affordable energy with costly and unreliable wind power. He further asserted that unchecked mass migration has strained social infrastructure and altered the continent's cultural identity, while a stifling regulatory environment and excessive government spending have suppressed the innovation needed to compete with the United States. Finally, he accused European nations of freeloading on American security, arguing that their failure to meet NATO defense spending targets over the past 70 years has allowed them to avoid the true costs of national sovereignty at the expense of the American taxpayer. Based on current economic data as of January 2026, the comparison supports Trump's critique. While the United States is experiencing aggressive growth alongside widespread deregulation, Europe remains mired in what can best be described as stabilized stagnation. The United States enters 2026 with inflation at 2.7%, steadily returning toward the 2% target. As in President Trump's first term, strong GDP growth has been paired with relatively modest inflation. Fourth-quarter GDP growth is projected at 5.4%, dwarfing Europe's stagnant 0.2%. For the full year, U.S. growth is expected to reach between 4.3% and 5%, while Europe is projected to manage only about 1.3% to 1.6%. On the labor front, the United States maintains its historical advantage, with unemployment at 4.4% compared to 6.3% in the Eurozone. This low level of unemployment has been achieved despite deep government job cuts that reduced taxpayer costs. While the United States reduced federal spending by $100 billion, European fiscal policy has moved in the opposite direction. The U.S. has moved 1.2 million people off food stamps, while European social safety nets are coming under increased strain from rising living costs. In 2024, the most recent data available, EU social protection spending rose by 7%, far outpacing nominal GDP growth. This imbalance pushed the social expenditure-to-GDP ratio to 27.3% across the bloc, with countries such as France and Austria exceeding 31%, reinforcing the strain caused by rising demand for social welfare. Energy remains far cheaper in the United States, particularly electricity and natural gas, due to abundant domestic production, lower taxes and levies, and reduced reliance on imports, with overall prices about half of Europe's and industrial electricity often as little as one-third. Source: thegatewaypundit.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/profstonge/status/2015764155580756471?s=20 https://twitter.com/truflation/status/2015770236105138602?s=20 https://twitter.com/WallStreetMav/status/2015647917441183786?s=20 spending problems. Gold is at record highs against every currency, not just the dollar Political/Rights DOGE https://twitter.com/WallStreetMav/status/2015553600106164548?s=20 Geopolitical https://twitter.com/MarioNawfal/status/2015729194270154997?s=20   supply before then. More LNG, more U.S. gas, more renewables… Higher costs baked in. For Brussels this is an irreversible line. After 2027, there's no “going back to normal.” The EU has indeed been importing refined petroleum products from India that originate from Russian crude oil, creating an indirect pathway for Russian oil to enter the European market despite sanctions on direct imports from Russia since December 2022.  This circumvention became prominent after the EU and G7 imposed a price cap on Russian oil, prompting Russia to redirect exports to countries like India and China, where the crude is refined and then resold.    EU officials and analysts have long acknowledged the loophole, which is why recent sanctions packages have targeted it directly. For instance, the EU’s 18th sanctions package in July 2025 banned the import of petroleum products derived from Russian crude processed in third countries, and specifically sanctioned Nayara Energy, an Indian refinery partly owned by Russia’s Rosneft.  The 19th package in October 2025 further tightened measures by sanctioning additional third-country entities, including three in India, for supporting Russia’s circumvention efforts. As a result, major Indian refiners like Reliance Industries have stopped importing Russian crude for certain facilities to comply with these rules and maintain access to EU markets. Russia, meanwhile, continues to adapt by using new middlemen exporters to supply India, aiming to sustain the flow despite the crackdown.  India has not fully stopped importing Russian oil since then, but imports have significantly declined. In 2025, Russia’s share of India’s crude oil imports fell to 33.3% from 36% the previous year, while OPEC’s share rose slightly to 50%.  By December 2025, India dropped to the third-largest buyer of Russian fossil fuels overall, importing €2.3 billion worth that month, with major refiners like Reliance Industries scaling back or halting purchases.    This reduction appears driven by a mix of U.S. tariff pressures, steeper discounts on Russian crude drawing buyers back selectively, and India’s strategic diversification to ensure energy security without fully alienating Russia—a key defense and trade partner. https://twitter.com/KobeissiLetter/status/2015527595975033161?s=20   the CMC Joint Staff Dept: Under investigation for violations 5. Director of CMC Political Work Dept: Removed in 2025 over corruption The US-China rivalry has gone well beyond trade.   The purges depicted in the image of China’s Central Military Commission (CMC) stem from an escalating anti-corruption campaign under Xi Jinping, which has targeted the People’s Liberation Army (PLA) extensively since 2023. This drive is officially framed as rooting out graft, bribery, and disciplinary violations, but analysts widely interpret it as a mechanism for Xi to consolidate power, enforce unwavering loyalty among military leaders, and address systemic issues like incompetence or factional rivalries that could undermine PLA readiness.  The campaign has intensified in 2025-2026, affecting nearly the entire top echelon of the CMC—China’s highest military decision-making body, chaired by Xi himself—leaving it in significant disarray  War/Peace Report: Iran's Khamenei Flees to ‘Fortified' Bunker, Fearing U.S. Strike Following rising concerns over a possible U.S. military strike, Iranian Supreme Leader Ali Khamenei has relocated to a heavily fortified underground compound in Tehran, according to reports, which cited sources close to the regime who revealed his son now oversees day-to-day operations. Source: breitbart.com https://twitter.com/amuse/status/2015828196273303756?s=20 calling it a dream disconnected from reality. The US covers about 68% of NATO defense spending while Europe still misses its 2% commitments. Medical/False Flags [DS] Agenda https://twitter.com/libsoftiktok/status/2015559098847428717?s=20 https://twitter.com/JoeConchaTV/status/2015519543846703552?s=20 If you are preparing a city for an insurrection is this what you do to lower morale, have police quit and this way there is no one to stop the insurgency     In 2024 Minnesota AG Keith Ellison Argued No Right to Carry a Gun at ‘Political Rallies and Protests' In 2024, Minnesota Attorney General Keith Ellison (D) was among 17 AGs who contended there is no right to carry a gun at “political rallies and protests.” The AGs did this in a January 26, 2024, filing in support of upholding California's gun controls for “sensitive places” in a Ninth Circuit case. In the filing, Ellison and the other AGs expressed support for banning the possession of firearms “in crowded places.” The AGs wrote: “Without the power to institute such restrictions, California and other states would be left unable effectively to prevent gun violence in crowded places, around vulnerable populations, or where individuals are exercising other constitutionally protected rights, putting the public at risk.” They emphasized, “Even the perceived risk of gun violence could cause repercussions, as individuals may be discouraged from visiting crowded or confined locations where they know others may be armed.” Source: breitbart.com https://twitter.com/BillClinton/status/2015562744993350135?s=20 Didn’t Bill and Hiliary Violate a Supeona to testify in front of congress, they broke the law, shouldn’t he be in jail. Barack Obama Urges More Street Protests, Blames Trump for Minneapolis Shooting https://twitter.com/BarackObama/status/2015479691147149747?s=20 4700 Q !!Hs1Jq13jV6 ID: a54ff9 No.10644532 Sep 14 2020 11:34:31 (EST) Worth remembering [think what you see today]. https://2009-2017.state.gov/documents/organization/119629.pdf

Over the weekend, a federal officer shot and killed Alex Pretti, a 37-year-old ICU nurse in Minneapolis. WSJ's Joe Barrett describes how events unfolded in the wake of Pretti's killing, and WSJ's Michelle Hackman breaks down how ICE tactics have led to clashes with local residents. Jessica Mendoza hosts. Further Listening: The Florida Cops Who Act as ICE Agents The Hyundai Plant Raided By Immigration Authorities Inside the ICE Hiring Blitz Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Immigration agents shot and killed another person as unrest continues in Minneapolis. The Wall Street Journal’s Mariah Timms joins to discuss what’s happening on the ground as tensions escalate. Congressional leaders are reacting to the latest shooting in Minneapolis. CNBC reports on how a government shutdown is now more likely as a result. The Associated Press reports a growing number of Republicans are also calling for a larger investigation into the incident. A brutal winter storm has left several people dead and hundreds of thousands without power. USA Today has live updates. Plus, China’s top general is under investigation amid claims he leaked secrets to the U.S., Venezuela released another round of political prisoners over the weekend, and the Super Bowl matchup is set. Today’s episode was hosted by Shumita Basu.