Podcasts about yeild

When you've spent your life building your professional career after you left the family farm in the 80's ...When you're at the top of your game …When you've got 35 years experience in the field of international agricultural fertility …When you've been to 80 countries all around the world …When you could ride out the last victory laps of your professional life in relative safety and comfort …And yet, you decide that you can do more, you can offer value in a totally different way …That you can become an entrepreneur and build a brand new business to change the world …Yet through the many twists and turns you end up in a totally different spot than you anticipated!And you end up fighting for your very life, against the very disease that took your father's life ...When Jeff Ivan left the farm in the 80's, things were very different …In this episode you will learn about balance in the soil and in your own life as Jeff recounts his challenges as he founded a brand new company, full of scientific innovation similar to the advances that saved his life from a terminal diagnosis!Connect with Jeff: Website: https://www.soilgenic.comInstagram: https://www.instagram.com/soilgenic/ Twitter: https://x.com/Soilgenic Aberhart Family of Companies:https://aberhartagsolutions.cahttps://aberhartfarms.comhttps://suregrowth.cahttps://www.convergencegrowth.com Connect with us on AGvisorPro: https://link-app.agvisorpro.com/aberhart-dan If you want to be part of the Growing the Future community, make sure to say hi on social at: https://linktr.ee/Growingthefuturepodcast

Fastline: 1:00Economics Show 10:00www.johndeere.comwww.brandt.caDon't forget to like the podcast on all platforms and leave a review where ever you listen!Websitewww.Farm4Profit.comShareable episode linkhttps://intro-to-farm4profit.simplecast.comEmail addressFarm4profitllc@gmail.comPhone515.207.9640Subscribe to YouTubehttps://www.youtube.com/channel/UCSR8c1BrCjNDDI_Acku5XqwFollow us on TikTokhttps://www.tiktok.com/@farm4profitConnect with us on Facebookhttps://www.facebook.com/Farm4ProfitLLC/Guest:David WidmarAgricultural economist specializing in ag trends and the farm economy Co-founded Ag Economic Insights in 2014Prior: Researcher with the Department of Agricultural Economics at PurdueWho is Ag Economic Insights?History, Mission, VisionFounded in 2-14 by Dr. Brent Gloy and David WidmarBegan writing weekly articles focused on insightsRegularly spoke at famr and agribusiness eventsProvides the Crop Budget OutlookWhat is the current “state of the union” for agriculture?What have been some key factors that have led us to where we are?What needs to happen to help things rebound?How does now differ from the “80's”?How are global food systems evolving in response to population growth, urbanization, and changing dietary preferences?How are changing consumer preferences influencing agricultural production and marketing strategies, and what opportunities do these trends present for farmers and food producers?How are demographic shifts and labor market trends influencing the availability and composition of the agricultural workforce, both domestically and internationally?What role do immigration policies play in shaping the labor supply and demand dynamics in agriculture, and how might they evolve in the future?How have trade policies and international relations affected the agricultural markets and trade flows?How are policies and incentives evolving to address environmental challenges such as soil degradation, water scarcity, and greenhouse gas emissions from agriculture?What are key challenges and opportunities for rural development in agricultural regions, particularly in terms of infrastructure, access to markets, and rural poverty alleviation?How are digital technologies such as blockchain being used to improve supply chain efficiency and traceability in agriculture?Looking ahead, what do you see as the most promising opportunities and potential disruptions in agricultural economics, and how can stakeholders prepare for the future?What did we miss?Summary and Challenge

This week turned into a learning lesson for me. Learning to YEILD to God instead of going off my own understanding and what I wanted to do.

Relax and fall asleep fast to this Bible meditation for deep sleep with relaxing meditation music. Narrated by Johnathon Eltrevoog. Let your body sleep and your mind rest. Join Abide tonight in the book of Acts for this peaceful sleep story about yielding to the Holy Spirit. Slow down your thoughts, give your worries to God, and rest in His embrace. Unlock the premium ad-free Christian Bible sleep meditation experience in the Abide app:https://abide.co/awesomeDiscover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us

Relax and fall asleep fast to this Bible meditation for deep sleep with relaxing meditation music. Narrated by Chloë Elmore. Let your body sleep and your mind rest. Yielding is both an art and a sacrifice. Tonight, rest in the arms of our Heavenly Father who will gently enable you to yield as you renew in His strength. Unlock the premium ad-free Christian Bible sleep meditation experience in the Abide app:https://abide.co/awesomeDiscover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us

We Are About The Great Commission Manifesting Christ In Our Everyday Lives Preaching The Unconditional Love And Grace Of God To The Nations Of The World And Leading People Into An Intimate relationship With Christ.

Power PollenAiring 8/7/23John Deere Pre-RollToday's episode is brought to you by Pattern Ag, predicting pest and pathogen risk in your fields. Don't gamble with your yields, go to www.pattern.ag today!Around the Room – why do you need a Farm4Profit conversation today?As hosts what are you most looking forward to with this guest today?Remind people to hit SUBSCRIBE – REMEMBER TO LEAVE REVIEWS Especially on YouTubeWhat's Working in Ag Segment – ZeaKal – Tanner & JenniferGuest:Jason Cope brings more than 20-years of industry experience in the development of theoretical and applied engineering solutions from leading global agribusinesses. He currently holds more than 40 granted US and worldwide patents and oversees PowerPollen's intellectual property strategy. He also guides operations and engineering initiatives for the company.Who is Power Pollen?History, Mission, VisionTo preserve and enhance crop productivity by enabling superior pollination systems2015 - Todd Krone(just left DuPont Pioneer) partnered with Jason Cope (engineer)Set up shop in Todd's garageHow does your new corn pollination techniques benefit ag?What factors increase yield and minimize risk with seed practices in pollination?corn, rice, and wheatHow are you reaching your producer base? InvestorsAt what point did you see the business growing?Field operationscustom designed machinery across in-field production on 22 customer fieldsOperations in IA, TX, & Puerto Rico How do you see global agriculture playing a part through expanding Power Pollen?Where will we start to see agriculture fluctuate due to the pollination of crops?What are the factors that affect the optimal time of applying the pollen?In a drought year, how much can farmers expect to be saved from their field with Power Pollen?Corn Seed impactsYield ImprovementsFewer male plants are needed → more females/acre = greater output and land utilizationLess Risk with seed overproductionMore Flexibility → expands window for plantingReasons: drought, flooding, climate changesHow does Power Pollen overcome in a drought year?How is In-Season Control allowing farmers more flexibility?Are they meeting current market demand while in-season?An average 60% increase in oil over normal-hybrids with no reduction yield What challenges do those producers face ahead?What did we miss?Summary and ChallengeIf you could go back and talk to yourself at age 18, what would you go back and say?Share Contact information

Selected verses from Romans 6. Each day, we make decisions on what we are going to follow, whether it be the old sin nature, or whether it be the things of God. What are you giving yourself to today?

Welcome to The Amazing Watch Podcast! In this episode we see the first Yeild of the season, the roadblock really live up to its name, and a cool prize that I hope there is a record of how it went. Watch along with Season 8 of The Amazing Race on Amazon Prime Video, CBS. fuboTV, Spectrum On Demand, Paramount Plus, DIRECTV, or buy it as download on Google Play Movies, Vudu, Amazon Video, FandangoNOW, or Microsoft Store. Follow us on social media! Email: amazingwatchpod@gmail.com Facebook: The Amazing Watch Podcast Twitter: @amazingwatchpod Instagram @amazingwatchpod Don't forget to tag #AmazingWatchPod This podcast is hosted by ZenCast.fm

Yield: The Little Sign That Could The familiar downward pointing triangle that allows traffic to keep flowing rather than stopping sprang from the mind of a Tulsa cop. No one gave his sign much respect, but he set out to prove them all wrong. withinpodcast.com Our sponsors:  jandjpoolsafety@gmail.com Music: The Right Direction by Shane Ivers Martin Mountain Coffee: Small Batch Roaster for an Artisan Cup of Coffee! Check out Martin Mountain Coffee's signature Within The Realm Blend "Story Teller's Roast!" Contact Us! Facebook: @withintherealm1 Twitter: @realm_within Instagram: within_the_realm contact@withinpodcast.com Want to advertise, sponsor or otherwise support Within The Realm? Visit with us at contact@withinpodcast.com or Support Within The Realm  Yield: The Little Sign That Could Welcome to Within The Realm, I'm your host Steve Garrett. Thanks for joining me here on the show where the Indian Territory, the Ozark Mountains and the Great Plains collide. Because of the great amount of diversity, culturally, geographically and in experience that's found here, anything is Within The Realm of possibility. Some times the things in the world around us have become so common place, so much a part of how we do things, we're not sure where they came from or even anything about their beginnings. Today's episode is about such a thing, something that makes it a little safer for you to get from place to place. After these words about our sponsors, we'll get into Oklahoma's contribution to traffic control signs. (music/Commercials) It's good to have you back for another installment of Within The Realm. It's my goal to take the next few minutes to entertain you and maybe lay a little knowledge on you that you didn't already know. Today's subject is traffic signs, one in particular actually. It's the Red and White triangle with the word Yield written across it. It the thing that makes a traffic circle work, not bringing us to a stop, necessarily, but providing drivers with the instruction to watch it in association with other cars on the road. It might be hard for a motorist in the third decade of the twenty-first century to think of a time with out the uniform traffic signs we have now, but everything has a beginning. It was 1939 and Oklahoma Highway Patrolman Clinton Riggs was participating in a fellowship at Northwestern Traffic Institute in Chicago. One topic of discussion was the problem of motorists rolling through uncontrolled intersections, causing accidents and injuries. The discussion became a class assignment on how best to address the problem. In the next several days, Patrolman Riggs presented his idea for a sign, there was already the stop sign that stopped traffic all together. No, Riggs's idea was for signage that would allow traffic to continue to flow until one motorist needed to give the right-of-way to another vehicle. The sign he suggested was a keystone shaped sign with a solitary word on it – Yield. It was generally panned by the class as hard to understand and somewhat unnecessary as laws, laws misunderstood and ignored by motorists, were already on the books to determine fault in accidents where drivers did not yeild. The fellowship ended and Riggs rejoined the Tulsa Police Department, served in the Second World War and returned home in one piece. A lot had happened since his suggestion of the Yeild sign, but he not forgotten it. He was still very much convinced of it's usefulness. . His Chicago detractors had convinced his to change the sign's wording to “SLOW Yield Right Of Way.” It wasn't only his class mates that thought little of his traffic control sign. The Tulsa City attorney dismissed it and the National Safety Council, to whom Riggs had sent a drawing of his sign, ignored it. By 1950, Riggs had worked his way up to an assistant chief position with the Tulsa Police Department. He noted that the intersection of First Street and Columbia Avenue , an unmarked intersection, was the most dangerous crossraods in Tulsa. Without any official permission, he and city engineer Paul Rice erected the first Yeild Right of Way Sign. The sign had retained it's keystone shape and had black letters on a yellow background so the sign could be better seen in the dark. Despite what the naysayers believed, that very first installation of yeild signs decreased traffic accidents to basically zero. Similar results were experienced at the other nine intersections Riggs and Rice had also placed signs. Other cities copied the idea with their own variations of shapes and colors until the yeild sign was adopted a four short years later by the MUTCD – the Manual of Uniform Traffic Control Devices. The formally adopted sign was tweaked to the familiar downward pointing triangle with Yeild written upon it's yellow background. In 1971, the sign was changed to its current red and white triangle with red lettering. Riggs passed away in 1997 In Tulsa after having introduced other innovations to the Police Department and earning a law degree, The original Keystone shaped sign hangs in the Smithsonian Institute in Washington DC. So what does this sign that not a stop sign and quite a yellow light do for us. It is quite genius, allowiing traffic to flow until it doesn't need to. Even though it met with a lot of opposition from experts in the field, Rigg's impetuous installations and their positive results couldn't be ignored. It took only four years for the signs to go from geurilla traffic control to industry standard. Is the main take away from this story believe in your ideas even when no one else will or go ahead, show them all your idea will work. I'll let you decide and I'd like to hear your thoughts on the matter. Until then, whenever you slowdown at a yield sign remember at one time it was a good idea no one else could see the benefit of. Thanks for joining us on this episode of Within The Realm. If you want to weigh in on the “What's the big takeway” sweepstakes from this episode, you can contact us on our socials or through email. Links in the show notes. Remember our home on the web where you can find news, links to our sponsors and a complete archive of past installments of our show. If you've found some value from our show, find our support button and chip in to keep Within The Realm coming your way. Keep sharing us with your friends and rate and review our show when you can. Within The Realm is written and produced by me, Steve Garrett. Our theme and ending credit music is provided by 556 and a half. Join us for another trek Within The Realm in a scant two weeks, and as always, thanks for listening.  

Pastor Eyewunmi

Join Jason today as he welcomes Eric Basmajian of EPB Macro Research to the show as they do a deep dive into the housing market. Jason also suggests that as investors we should REFRAME our mind in terms of the housing industry especially as we continue to see very low inventory. Eric is an economic cycle analyst providing research on long-term and short-term trends in growth and inflation. With a degree in economics and experience at a quantitative hedge fund, Eric has developed a unique secular and cyclical framework to forecast major economic inflection points and the resulting impact on asset prices. Watch the videoon YouTube HERE. Key Takeaways: Jason's editorial 0:47 The Right Frame 3:44 Reframing the housing market debate 5:32 It's all about investing for YEILD 7:38 5 Cities where at least half of millennials can't afford to rent a 1-bedroom 9:54 Rent- the second frame 10:26 Jason's 2 value drivers- scarcity and utility Eric Basmajian interview 15:07 The new Paul Volcker? 16:25 Reframing the housing debate 18:26 The important thing is yield- not prices 19:13 Evaluating the volume cycle versus the price cycle 21:24 Inventory woes- there's nothing to sell! Disparities in the regional market 23:14 Real estate market as an indicator of the broader economy 26:00 Interest Rate Composite (Inverted) 28:03 MBA Purchase Index 30:12 US New Single Family Houses Sold 31:29 Months Supply: New Single Family Homes 32:25 NAHB/Wells Fargo US Housing Market Index   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

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ABOUT KELLY GARRETTFor as long as I can remember, I wanted to be a farmer. When I graduatedfrom high school I went to Iowa State. I wasn't sure if there would be room for me on the farm. College lasted 3 semesters. I didn't like being indoors tied to a book. So I worked building houses, then for a commercial insulation company until Spring of 1998, I got my chance to farm. Being invited to be part of a community like XtremeAg is an honor for me. I think the other members represent some of the best farmers from around the country, and I am truly humbled to be part of this. XtremeAg to me is real farmers sharing and collaborating their experiences with others in an honest and unbiased environment. 1. Top iowa yield champion multiple years               early beans               products to use               tactics               nutridrip               what else?2. His new farm to table beef                Where did this idea come from               How do you have time to take on more things               What have you learned along the way3. Extreme ag                What do you gain the most from this group?               Why is it important to work with peers like this?               Is this for everybody?4. Trucking business/plant food               How did you get into this               What opportunities has this provided you?5. Sukup bins               Does he have any?               Testimonial?Maybe mention his health journey too?               Why is it important to focus on personal health               What are some of his key focuses? What do you like doing in your spare time?How would someone get your special attention?What's your biggest pet peeve?

Join Jason today as he welcomes Eric Basmajian of EPB Macro Research to the show as they do a deep dive into the housing market. Jason also suggests that as investors we should REFRAME our mind in terms of the housing industry especially as we continue to see very low inventory.  Eric is an economic cycle analyst providing research on long-term and short-term trends in growth and inflation. With a degree in economics and experience at a quantitative hedge fund, Eric has developed a unique secular and cyclical framework to forecast major economic inflection points and the resulting impact on asset prices. You are also invited to Jason's Recession Proof Investing Summit where there will be great speakers, local market specialists who will be talking about their properties and much more. You will also be given a discounted price to purchase the recordings of the event! So hurry- go to the JasonHartman.com to get your tickets today! Key Takeaways: Jason's editorial: 1:42 The Right Frame 4:39 Reframing the housing market debate 6:27 It's all about investing for YEILD 8:33 5 Cities where at least half of millennials can't afford to rent a 1-bedroom 10:49 Rent- the second frame 11:21 Jason's 2 value drivers- scarcity and utility 15:31 Get your tickets to our Virtual Recession Proof Investing Summit today!  Eric Basmajian interview: 18:37 The new Paul Volcker? 20:05 Reframing the housing debate 22:04 The important thing is yield- not prices 23:17 Evaluating the volume cycle versus the price cycle 24:54 Inventory woes- there's nothing to sell! Disparities in the regional market 26:44 Real estate market as an indicator of the broader economy 29:28 Interest Rate Composite (Inverted) 31:33 MBA Purchase Index 33:42 US New Single Family Houses Sold 34:59 Months Supply: New Single Family Homes 35:55 NAHB/Wells Fargo US Housing Market Index   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Chloe of Deeper Than Money is on the show today and we are GETTING INTO IT on all things financial freedom, money mindset, getting out of debt, savings accounts, investments for beginners, the housing market, & SO much more!! Chloe is the person to talk with if you have ever wondered what to do with your money, where to put it, and how to manage it! Also how to save more of it! This is a must listen for anyone wanting to improve their financial situation. We also discuss the stock market, buying houses, income properties and so much more!Follow Chloe: https://www.instagram.com/deeper.than.money/reels/Deeper Than Money: https://www.deeperthanmoney.com/$1000-challengeWork with Chloe: https://www.deeperthanmoney.com/money-basicsFollow Me:IG: https://www.instagram.com/taylor_lovee/Podcast IG: https://www.instagram.com/girltalkwithtaypod/Blog: https://loveinsideandout.com

#silverraid #wheat #sofihttps://www.wsj.com/articles/warren-buffett-spends-big-as-stock-market-sells-off-11652589031https://www.cnbc.com/2022/05/16/us-europe-to-improve-food-chains-after-india-bans-wheat-exports.htmlhttps://www.barrons.com/articles/the-1bond-yields-peak-stocks-gain-51652470034Open a Brokerage Account and Get FREE STOCK!My Robin Hood Link (Instantly Get Free Stock by Opening an Account)https://join.robinhood.com/charlem570My WeBull Link (Open an Account and Then Fund With 100 Dollars)https://act.webull.com/v/PmEiEio78r9l/b9r/Get Cash App, try it using my code and you'll get $5. WKMTXCJ https://cash.app/app/WKMTXCJGet $10 of Free Crypto Currecny with my Coinbase link. Sign up for a wallet today!https://www.coinbase.com/join/marlow_zeFollow My Tradeshttps://imgur.com/user/cmcbroadcasting/postsSupport the Broadcast!PayPalhttps://www.paypal.com/paypalme/charlesmarloweCashApphttps://cash.app/$charmar0505Subscribe Starhttps://www.subscribestar.com/cmcbroadcastingPatreon https://www.patreon.com/cmcbroadcastingBitcoin Wallet3DEyg5NTe1KCLNGTqTeyAFb73apePk6XT7Etherium Wallet0x0c5bF1Ff704bEFA2F51ca5947cF774770816Bb9C______________________________________________Follow me on Gabhttps://gab.com/charlesmarloweFollow me on Instagramhttps://www.instagram.com/marlowecremedas/Follow me on Parlerhttps://parler.com/profile/charlesmarlowe/posts

Welcome to The Amazing Watch Podcast! In this episode, Ian and Chelsea start Season 5 of the Amazing, see the introduction of the Yeild, and or told that Non-Eliminations wont be quite as pretty as before, and to see who will be doing the Road Blocks Watch along with Season 5 of The Amazing Race on Hulu, Amazon Prime Video, CBS. fuboTV, Spectrum On Demand, Paramount Plus, DIRECTV, or buy it as download on Google Play Movies, Vudu, Amazon Video, FandangoNOW, or Microsoft Store. Follow us on social media! Email: amazingwatchpod@gmail.com Facebook: The Amazing Watch Podcast Twitter: @amazingwatchpod Instagram @amazingwatchpod Don't forget to tag #AmazingWatchPod This podcast is hosted by ZenCast.fm

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IN THIS PODCAST EDDITION I TALK ABOUT MACRO AND MICRO DEFI CONCEPTS. WE DISCUSS WHAT AN AUTOCOMPOUNDING YIELD AGGREGATOR IS AND TO DO THAT WE ALSO HAVE TO UNDERSTAND A VARIETY OF CONCEPTS LIKE LP TOKENS, DEXES, AND DIRIVITIVE ASSETS. THIS IS A COFFE GET UP AND GO TYPE OF PODCAST SO I HOPE YOU ENJOY! --- Send in a voice message: https://anchor.fm/jcrypto/message Support this podcast: https://anchor.fm/jcrypto/support

Helet de Beer unpacks the story of Philip and the Ethiopian eunuch from Acts 8, asking if you are dissatisfied as he was dissatisfied. God sent Philip on a divine encounter with this one man, just as God sets out to have a divine encounter with you. Will you believe in Him? Trust in Him? Yeild to Him?

This is Episode 251 of the My Morning Devotional Podcast.Find us on Instagram: @mymorningdevoJoin me, Alison Elizabeth as we read out of Genesis 4:12 which says "When you work the ground, it will no longer yield its crops for you. You will be a restless wanderer on the earth.” "More-so, I have had a rough weekend with the business. I am going on day 15 of working on my feet and I am having growing pains adjusting to my new schedule. You can probably hear it in my voice but I am tired and I've spent the last few hours crying. The thought of quitting has passed my mind a few times, but God works perfectly and this story aligns exactly with the emotions I am feeling. I have to remember to control these emotions, not to give into impulse but instead trust Him through the process. In the same way we can all apply this for the day ahead of us. Let us not act on impulse, let us rationally deal with our emotions and surrender what we don't have control over. "

Instagram:ben _tech5 .unos de los grandes lanzamientos de la indie world del miércoles pasado. Si les gusta loa juegos estilo temple run o minion run y futurista este juego recomendadisimo.

I'm glowing with energy after encouraging a stranger to Jay Walk. We also scheme how to get my neighbour's car towed.

Luke 6:47-48,NKJV-  “Whoever comes to Me, and hears My sayings and does them, I will show you whom he is like: He is like a man building a house, who dug deep and laid the foundation on the rock. And when the flood arose, the stream beat vehemently against that house, and could not shake it, for it was founded on the rock.” Everything pertaining to the Kingdom of God has to be established and supported by God’s word. It is the believers source of truth. And when it comes to an effective prayer life, it is our play book. And the longer I walk with the Lord, I am convinced that the most important reality of prayer is how we experience a divine relationship with our Father.  It’s an avenue of fellowship with our King, it’s also a direct line of communication with the Holy Spirit living in each born-again believer. In its simplest form, prayer is fellowship with the Almighty, our Father. At the end of the day, it’s how a human, born of His world navigates that world. And by design, faith has to be a central part of the born again life. Hebrews actually tells us its how we’re to come to God. Until we get the faith part of our new life settled, when it comes to the things of the Spirit, which prayer is, we will constantly question it’s realities. A clearer understanding of a healthy prayer life is embracing that reality that it’s simply how a born again human navigates the Spirit world. Remember last week, we talked about Adam, what did he need as far as provision? So what do you think his prayer life was about? What if God’s main thing He’s looking for is exactly what He lost with Adam, and that is simply a relationship with His creation. The Apostle Paul takes us a little further by giving us some excellent insight into a better perspective on prayer. Think about it, he’s actually praying that we’ll be able to recognize things God has already ready done for us in the spirit. Ephesians 1, Blessed be the God and Father of our Lord Jesus Christ, who HAS BLESSEDus with every spiritual blessing in the heavenly places in Christ... 2 Peter 1, His divine power HAS GIVEN to us all things that pertain to life and godliness, through the knowledge of Him who called us by glory and virtue, by which HAVE BEENgiven to us exceedingly great and precious promises, that through these you may be partakers of the divine nature. This is where faith plays it’s most significant role in the life of a believer. Bottom line, we have to believe the things God tells us in His word, before we see anything happen. I cannot over emphasis maintaining a confident faith attitude in our prayer life. And make no mistake, our enemy knows this, and will be relentless at distracting us. This is why is is absolutely vital we have a clear understanding of the Love our Father has for us. Seriously, His love for each of us is so incredible, think about it, He took ALL SIN!!! God only sees us in our spirit, not in our sin, not even in our humanity. We need to become more Son conscious than sin conscious. We are the righteousness of God in Christ. The righteous are as bold as a lion, and we are to come boldly into His throne of grace. And sometimes for nothing more than to just fellowship. What if we put fellowship with our Father right in the middle of our daily routine? I can promise you this, the more we practice fellowship, the more His nature, His personality, His attitude becomes ours. But if we’re always looking to our intellectual, human nature, not to mention, this fallen world to confirm something that makes no sense to our humanity, then faith and prayer will always be that mysterious, if it be God’s will kind of thing we’re always a little unsure of. Remember, Jesus told us that as we practice putting the things of the Kingdom first, many of these worldly things we want will simply come our way. Here’s another key Kingdom principle concerning prayer:1 Thessalonians 5:16,NKJV- REJOICE always, PRAY without ceasing, in everything GIVE THANKS, for this is the will of God in Christ Jesus for you. Rejoice, Pray, Be Thankful— This is the will of God. Even though all three of these are all very significant qualities of the Christian life, I don’t think it’s a coincidence that the Holy Spirit put prayer between rejoicing and thanksgiving. Think about it, if our prayer life is established on faith, then we should be rejoicing because faith already has the answer. And if we know we’ve already got the answer, then why wouldn’t we be thankful? I personally believe Paul is simply establishing the proper faith attitude for an effective prayer life. Going back to Matthew, I want us to take a closer look at Jesus’ response to His disciples about prayer. Now the very first, most important truth around this passage is that we have to read it, think on it, interpret it in light of our new covenant. Second, Jesus was giving us a model for prayer, not something that was to be recited from some religious practice. Matthew 6:9-13,NKJV- “In this manner, therefore, pray: Our Father in heaven, Hallowed be Your name. (Holy is His name. Reverence & honor)Your kingdom come. Your will be done on earth as it is in heaven. (What’s first in your life?)Give us this day our daily bread. (Our needs are met day to day. We don’t need it till we need it. Faith pleases God.)And forgive us our debts, As we forgive our debtors. (Unforgiveness stops faith.)And do not lead us into temptation, But deliver us from the evil one. (Let me see it, strengthen me not to yield to it.)For Yours is the kingdom and the power and the glory forever. Amen.” Remember, this as a model for prayer, not something that was to be recited from some religious practice. Jesus knew exactly how humanity would be, He knew that whatever captured our focus would be the thing we magnify in our lives. And this was exactly His point in setting up an example of how to pray. First, we start with an attitude of worship, magnifying God. Second, we bring our request and intercession, in love, to Him. Then finish up with another level of praise and worship. Praise blesses our Father and strengthens us. This is why we start with services with worship. Psalm 22 says, “You are holy Lord, dwelling in the holy place where the praises of Your people are offered.” 1 Thessalonians 5:16,NKJV- REJOICE always, PRAY without ceasing, in everything GIVE THANKS, for this is the will of God in Christ Jesus for you. Now just like this natural world exists according to natural law, the spirit world exists according to spiritual law, God’s divinely instituted order. Romans actually tells us that the works of the law are excluded by the law of faith. And when it comes to a healthy, successful prayer life, faith is the only way! Mark 11:22-25,NKJV- “So Jesus answered and said to them, “Have faith in God. For assuredly, I say to you, whoever says to this mountain, ‘Be removed and be cast into the sea,’ and does not doubt in his heart, but believes that those things he says will be done, he will have whatever he says. Therefore I say to you, whatever things you ask when you pray, believe that you receive them, and you will have them. “And whenever you stand praying, if you have anything against anyone, forgive him, that your Father in heaven may also forgive you your trespasses.” Remember, unforgiveness stops faith. Unfortunately, out of habit and religious tradition, instead of accepting our God ordained instructions, too many of us continue going to God about things He told us to deal with. v.23, For assuredly, I say to you, whoever says to this mountain, ‘Be removed and be cast into the sea,’ and does not doubt in his heart, but believes that those things he says will be done, he will have whatever he says. “Believe you receive it” this is faith, a heartfelt conviction based on the fact that we trust what God says. v.24, Therefore I say to you, whatever things you ask when you pray, believe that you receive them, and you will have them. Now I’m not talking about some kind of mind game where we’re pretending to believe something’s real that isn’t. I’m talking about functioning in a world beyond our natural one. The just shall live by faith. Hebrews makes it very clear, “those who come to God must believe...” 1 John 5:14-15,NKJV-  “Now this is the confidence that we have in Him, that if we ask anything according to His will, He hears us. And if we know that He hears us, whatever we ask, we know that we have the petitions that we have asked of Him.” The moment the born again actually choose to believe, we have divine access to God’s world, with the ability to bring its realities into our world. Believing connects us to God’s ever existing power. This is faith. Faith is the bridge between the two worlds. According to Hebrews, faith is substance of things, hoped for. But because God only has imperfect people to work through, many times His power is hindered because of our unbelief. Truth is, we honestly haven’t accepted the fact that it’s really this simple, “Only Believe” Fact is, as we’re transformed, our believing starts overriding doubt and we start seeing greater results. And this is why ultimately, an effective prayer life has to be built around our personal fellowship with our Father. John 15:7,MSG- If you make yourselves at home with Me and My words are at home in you, you can be sure that whatever you ask will be listened to and acted upon. Everything pertaining to the Kingdom of God has to be established and supported by God’s word. It is the believers source of truth. And when it comes to an effective prayer life, it is our play book. And the longer I walk with the Lord, I am convinced that the most important reality of prayer is how we experience a divine relationship with our Father.  It’s an avenue of fellowship with our King, it’s also a direct line of communication with the Holy Spirit living in each born-again believer. At the end of the day, it’s how a human, born of His world navigates that world.

Tara June Winch knows how to tell a story. In 2006 she released her first novel, Swallow the Air. It won a bunch of awards, and was added to the high school curriculum. Years passed. She released a collection of short stories, but it wasn't until 2019 that she published her follow up. And oh what a follow up it was. The Yield is the tale of two generations, a Language that tells their story, and a connection to culture that stretches back tens of thousands of years. A Wiradjuri woman herself, Tara's novel is about finding lost connection in contemporary Australia, and it blew me away. I'm not alone. The Yield has won a heap of prizes in the past year, including the highest literary accolade in Australia; the Miles Franklin Award. For all of these reasons, I asked Tara to Take 5. With the songs that share her story. Across five classics, this is a profound conversation about identity, empowerment, and what it truly means to find home. Van Morrison - Brown Eyed Girl Nirvana - The Man Who Sold the World (MTV Unplugged) Paul Kelly - How to Make Gravy Aretha Franklin - Think Mo'ju - Native Tongue

Tara June Winch knows how to tell a story. In 2006 she released her first novel, Swallow the Air. It won a bunch of awards, and was added to the high school curriculum. Years passed. She released a collection of short stories, but it wasn’t until 2019 that she published her follow up. And oh what a follow up it was. The Yield is the tale of two generations, a Language that tells their story, and a connection to culture that stretches back tens of thousands of years. A Wiradjuri woman herself, Tara’s novel is about finding lost connection in contemporary Australia, and it blew me away. I’m not alone. The Yield has won a heap of prizes in the past year, including the highest literary accolade in Australia; the Miles Franklin Award. For all of these reasons, I asked Tara to Take 5. With the songs that share her story. Across five classics, this is a profound conversation about identity, empowerment, and what it truly means to find home. Van Morrison - Brown Eyed Girl Nirvana - The Man Who Sold the World (MTV Unplugged) Paul Kelly - How to Make Gravy Aretha Franklin - Think Mo'ju - Native Tongue

Tara June Winch knows how to tell a story. In 2006 she released her first novel, Swallow the Air. It won a bunch of awards, and was added to the high school curriculum. Years passed. She released a collection of short stories, but it wasn’t until 2019 that she published her follow up. And oh what a follow up it was. The Yield is the tale of two generations, a Language that tells their story, and a connection to culture that stretches back tens of thousands of years. A Wiradjuri woman herself, Tara’s novel is about finding lost connection in contemporary Australia, and it blew me away. I’m not alone. The Yield has won a heap of prizes in the past year, including the highest literary accolade in Australia; the Miles Franklin Award. For all of these reasons, I asked Tara to Take 5. With the songs that share her story. Across five classics, this is a profound conversation about identity, empowerment, and what it truly means to find home. Van Morrison - Brown Eyed Girl Nirvana - The Man Who Sold the World (MTV Unplugged) Paul Kelly - How to Make Gravy Aretha Franklin - Think Mo'ju - Native Tongue

Are we a church that loves on our enemies? Pray for those who persecute us. Do we love on each other the way God wants us to love each other? Are we putting things out there in the world that are false doctrines? Are we showing people that the love of God is real? The intro is made possible thanks to Audionautix: Rock Tune by Audionautix is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/) Artist: http://audionautix.com/

In life I’ve found that the man or woman with the best “talk-game” very often is a con, a liar, a huckster, or at the least a good, suave salesperson. The thing is to identify the smoke and mirrors so that you don’t catch the Burt-end of the stick, the deal, the engagement or simply put, the interaction. --- Send in a voice message: https://anchor.fm/superpreneur/message

Ephesians 1:3-6We have turned Christianity into a ME THING: I get to go to Heaven, I get to be with Jesus, I get to walk the streets of gold,I get to reunite with lost loved ones, etc. Our Faith is not about us and it is ALL about Him! He CHOSE us…in Him, before the foundation of the world, that we should be HOLY and BLAMELESS…before Him. You will note that all three Persons of the Godhead are involved in our salvation: As far as God the Father is concerned, salvation BEGAN when He chose you IN Christ BEFORE the Foundation of the world…but that alone did not save you; As far as God the Son is concerned, salvation was PURCHASED when He DIED on the cross and ROSE from the dead…but that alone did not save you; as far as God the Spirit is concerned, salvation is COMPLETED when you YEILD to His conviction and RECEIVE Jesus Christ as Lord & Savior. What BEGAN before the FOUNDATION of the WORLD was FULFILLED in time present, and WILL CONTINUE for all eternity and NOTHING….i repeat NOTHING…can separate you from the Love of God!

Ephesians 1:3-6 We have turned Christianity into a ME THING: I get to go to Heaven, I get to be with Jesus, I get to walk the streets of gold, I get to reunite with lost loved ones, etc. Our Faith is not about us and it is ALL about Him! He CHOSE us…in Him, before the foundation of the world, that we should be HOLY and BLAMELESS…before Him. You will note that all three Persons of the Godhead are involved in our salvation: As far as God the Father is concerned, salvation BEGAN when He chose you IN Christ BEFORE the Foundation of the world…but that alone did not save you; As far as God the Son is concerned, salvation was PURCHASED when He DIED on the cross and ROSE from the dead…but that alone did not save you; as far as God the Spirit is concerned, salvation is COMPLETED when you YEILD to His conviction and RECEIVE Jesus Christ as Lord & Savior. What BEGAN before the FOUNDATION of the WORLD was FULFILLED in time present, and WILL CONTINUE for all eternity and NOTHING….i repeat NOTHING…can separate you from the Love of God!

Alright, welcome to the Gut Check Project. This is episode number 23. You're here with your host, Kenneth Brown, MD. And I'm Eric Rieger. Let's, uh, let's talk a little about what we got going on Ken.Well, we're, like always we're trying to push some boundaries. And one of the things that I see as a doctor is that I want to make sure that my patients are very healthy, both mind and body. And when ever my patients come up, and they're going through a stressful situation, they manifest it in their guts. And one of the most common things I see that I can't help them, which is why we brought our guests on today is that when people go through financial trouble or when they're stressed out about their money, they can manifest in their guts. They show up with all kinds of stuff so they end up at a gastroenterologist office, and I can't give them any real advice on their finances and how to help them with that. So like we always do with the Gut Check Project. Let's bring him in. Let's check our egos at the door and let's learn a little bit. We got some experts here with us today and that is Mr. Patrick Brewer and Mr. Tim power both from Surepath Wealth.Yeah.Thank you guys for coming up all the way 35 to Dallas from Austin. How y'all doing today?It was a joy. Well, we didn't die. Yeah, that's the first step. We made good time on a rainy Thursday morning.Now, that being said, I know that you said we didn't die. But Tim said, but if you would have your family would have been covered.They would have been covered. Yeah, least 3 million. Maybe more than that.So Surepath Wealth Management. It's far more than just taking care of someone's finances. Correct?Yeah, I mean, the way we think about it, it's similar to being a doctor, right? And you have a holistic approach and you want to solve the person's problem. And sometimes they present with one issue that they think is really important, you know, they may have some issues with their their stomach or I'm not going to pretend to know exactly all the things that people could present with. I'm sure there's some, some strange ones out there, but they present with a particular problem. And they you know, that's what the that's the problem that thye think they need to have solved but in reality it's it's more than that there's other things that are contributing to the initial problem and making it worse. So our role similar to a physician, I think, is to lay all the pieces of the puzzle on the table and then start to assemble them and really get to know what's driving our clients and or people in general, and just figuring out what their motivations are and what they're trying to accomplish. And then, once we have a good sense of that, just putting it all together and hopefully solving the problem.Absolutely. I mean, there's a lot of similarities. I mean, people come to you people come to me with very intimate problems. People come to you guys with similar issues. Yeah, When people somebody shows up to your office, they're saying, I'm going to give you my world, the world that much like the great prophet Kanye West said, money isn't everything but not having it is. And so when you get to the point where they're like, look, I've got this What can I do to grow it? What can I do to not lose it? That is one of the most vulnerable things just slightly less vulnerable than somebody taking their pants down and letting me stick a finger in their butt.I don't know. I mean, I think it's about equal.For some people that can be really stressful, there's some there's a lot of shame around money. There's it's a very intimate discussion, because you don't know the beginning of the conversation, what their experiences have been. Maybe they've made some poor decisions in the past, and they're reluctant to admit those, maybe there's some controversy with them and their spouse, they could view money differently the way they were raised, and the way that they think about money in general about how they could use it in their life or even their preferences for what they're going to do with it and retirement or when they pass away and they want to leave a legacy, do they not? So there's all these embedded psychological and emotional factors that go into how people interact and make decisions about their money. And the first step, similar to being a physician, I think is to peel back the onion a little bit and see what are what are the driving forces here that are actually contributing?I want to get into all that Eric, can you explain actually that it isn't exactly like we just bumped into you guys on the street. Can you give a little history as to why we have these two super smart guys here on the show?Sure. So we are a part of a mastermind group and Tim and Patrick both happen to be a part of it. The reason why we joined that entrepreneur group is we're all aligned from the same orientation that we want to be able to serve our fellow man the best way possible for us through healthcare. It's how do we reduce stress and increase health for y'all? It really is, just as you said, Patrick, it's a holistic approach to managing your own wealth and finances. And the great thing that I've seen and learned from both of you all over the course of the last year is you treat your clients like family, because this isn't an opportunity to shame someone with their previous financial troubles, etc. The thing I found really interesting though, is you and I have talked over the last several episodes and over the last several years about how can you help someone reduce their external stressors, right? Because by having that you lead insomnia, you lead to catecholamine circulation from high stress situations. So we've talked about people that regularly see a doctor usually end up decreasing chance of disease they, they come in to see a gastroenterologist, they're usually not going to have a polyp that turns into a cancer because it'll be detected. So what I found kind of interesting is someone who turns to someone for wealth management actually has less potential to gamble. They actually are better prepared for their financial future, obviously reducing stress so they reduce stress, they reduce their risk of bankruptcy, regardless of their income level. And then obviously, their family conflict is reduced. I don't remember what the crazy stat is, but it's well over 70% of marital strife comes in originates from some element of financial problems or disagreements in the first place, simply by having someone that I didn't have someone tell me when I was younger simply by having someone help you forecast and help you put your money where it would serve you better will ultimately reduce your stress and work out better for you and your family. So that's how we met Surepath.I think we just met on the side of the highway.When no one knows because you muted your mic.I didn't mute my mic. I said, I think we met on the side of a highway. But I guess maybe we met...Well, I mean it. And Eric said I was stupid for standing on the side of a highway with a sign that said, I'm looking for better than 8% yield. And you stopped. Let's talk. Because, and I said also, I'm looking to diversify my risk by hiring 20 advisors. And you're like, yeah, let's have a little talk. Yeah. So one of the things that I was really impressed with is you gave a lecture at the conference we're at , and I wrote down a few notes, which was really very interesting to me because everyone tries to outsmart the market. Everyone tries to do this stuff. We want to invest in America, America.We're Americans.You said several different things which were really interesting, like how percentage of stocks in the stock market that is outside of America. Can you get into some of the stuff you talked about in the lecture?Yeah, for sure. So I mean, with investing, there's so much that you can do. And what I found is that investments that they're kind of like a bar of soap, the more you handle them, the less you're going to have the highest level. A lot of physicians, they, they overcomplicate things. So the biggest thing that I've seen is the desire to have passive income, which I think is great, you should pursue passive income, you work really hard and you should have investments that are working on your behalf when you're asleep, and you're not having to trade your time for dollars or scale up really complicated like multi specialty surgery centers. There's, there's ways to generate passive income that put you in a position later on where you don't have to work as hard. But what I've what I've seen is in our industry, when you start to take things that are really complex, different investment processes that could be really complex and you start to layer them into your portfolio, you start to drive up expenses, you start to drive up something called turnover, which increases your taxes, and you start to drive up your tax and your legal bills, because then people have to figure out what the heck is going on in order to give you advice. So what I've found is that most people, physicians or otherwise would be best served by starting with owning every single company in the entire world. You know, a lot of people just focus on the companies in the United States. And they're like, well, I own a couple stocks or I own, you know, the s&p 500. And when we think about the markets, we always ask like, well, how's the s&p doing? How's the Dow doing? Well, the Dow is only 30 companies, and yes, and s&p only 500. But there's over 12,000 stocks all around the world. And what most people don't realize is that only 44% of the global market cap is in the US. There's actually more stocks available outside of the United States and there's a lot of benefits to holding securities that move differently during different periods of time. So we generally talk to people about international and even emerging markets investments as a way to increase the returns potentially diversify and expose themselves to different areas of the world that might move in different directions in the US.I just want to make sure that we get Tim in the picture here. He keeps leaning back further and further.Relaxing back there. Listening.Great tea. It's Yeah, this is actually really good stuff. Well, let's talk about that real quick. So what do you think about this tea that we've had here?Think I burped three times.Yea it's really good.I quit drinking beer three years ago, and I love the taste of this because it tastes like a beer. Yeah. Yeah, there's not a drop of alcohol in it whatsoever. It's tea with with some hops in there. Thanks to Lovich.Yeah.Introducing this. Boulders finest too. Yea. Straight out of Boulder, Colorado.Yeah. So let me ask you a question. So as somebody who tried So I have my own company Atrantil Atrantil go to lovemytummy.com/spoony still are we doing? We are all right, lovemytummy.com/spoony or go to KBMD for your CBD. So as somebody who is a physician that has tried to raise money for a startup, yeah, I was a little bit shocked. And then when you and I talked a little bit where you said, Yeah, well, physicians tend to do some of the most esoteric investments and not be not actually tend to be patient and do exactly what you're saying, just invest in every company in the entire world. And eventually you will win. Yeah, in the long run. So when I was over there out there trying to raise money and like, this is an opportunity. Yes, it's a startup. But it's in a field, you know, it's a you know, we can sit there and do this and we can grow it. I was absolutely shocked at the conversation that I had most of the time was, I would love to, but I lost 50 grand and an emu farm. I tried to do you know, I lost money in three restaurants and I'm like, What are you doing in the restaurant? By the The time doctors get asked to do investments and stuff like that. I pretty much think the good money is already out. Yeah,yeah. I mean, unless you're like an early mover you have controlling most private investments, the people making the money or the the managers of the private investment i mean if you think about it, right, they've put together a deal. And on average, just take private real estate as an example, you have private real estate investments. There's actually huge public real estate funds and the public real estate funds have way better liquidity. They have the same types of properties. On average, they're better diversified because they have properties across different geographies and different scopes, buying power and they're mark to market so they trade every single day. So you have full liquidity on that. But if you take a private real estate investment, it sounds a lot sexier, like I buy private real estate, and I get 8 to 10% rate of return. But what you don't realize is it's not repriced every single day. It's not liquid, and the people that are managing it are charging you a pretty significant management fee for finding and sourcing these properties and managing them and yes you may get a good rate of return, but why would you expect a different rate of return in a private investment versus a public investment in real estate? It doesn't make any sense to me. So what I found is that our industry, this is not the physicians fault. Our industry has done a good job of manufacturing products that sound really good, that are actually available in a much lower cost more liquid environment, but it's not as sexy. So if you don't really understand exactly how the markets work and how returns are created, and what a fair return is, you can get sucked into these schemes. And these schemes are what keep you locked in your seat having to trade your time for money. So I love entrepreneurialism. I love what you guys are doing here. It's a fantastic product. I take it myself. I think the key is figuring out what lane you want to be in right and how much money is enough like at what point can you say, I can if I produce this amount of income, I can relax and maybe relax to you or any other position or person listening is I want to go out and build more companies. Well, that's great. Well at least now you have a passive income stream that's coming into allow you to do that where you don't feel like you have to put your foot on the gas if you're not really feeling up to it. So I love entrepreneurialism, I think if you're a physician and you're called to continue to build companies and to continue to create jobs and do those things, that's absolutely where you should put your time, your energy and your money, you just want to make sure that you don't get pulled into some type of a scheme that isn't really designed to enrich you. It's designed to enrich someone else.I think, during your lecture, the way you described, that is first achieve stability, then go for growth.Yep. Yeah, you want to you want to figure out a baseline, you want to know, you want to make sure that you're protected. You have a sufficient asset protection in place could be insurance, it could be estate planning, trust, things of those nature. And then it's really like what what's the baseline living expenses for you to be able to be okay, and then after that, you can take, you know, strategic investments and growth and that might be in yourself. It might be in your business, it might be in the markets, it might be in real estate, a lot of it just depends on your preferences as far as how hands on you want to be?Yeah. Let me throw this to Tim. So we, at that same meeting several questions. So the thing I like, let's get back to why I think doctors don't do this, which is the same reason why people come to me. And at times, I'm like, why didn't you come to me sooner? And it's the same thing. It's, I'm, I'm embarrassed. I'm whatever. Like, it's embarrassing to sit down with people. And I'm, I'm technically a highly educated person went to school a long time doesn't mean I'm highly educated. No, it doesn't. I didn't go to i didn't i didn't go to Texas Tech. So I'm already starting lower than everybody else. Yeah, it's not your fault.You were born in Lubbock, but you ran away. I know. So you know, had I had I been gifted to be able to go to Texas Tech. Things would be different. I wouldn't be on the podcast right now.Yeah, you can be the sidekick like me.Tell us toto.So, but it is it is really interesting because what I would I'm embarrassed that I have this, you know, whatever, however many years of education and I I'm gonna say, should I get whole life? What the heck is my wife? Simple things like that, that to you is like no big deal.Well, it is. I mean, it took me years to figure out what was behind the curtain of some of these products that Patrick was talking about earlier. I mean, they there's this incredible sales training to get folks into these products that seem very good for your family, you're protecting your family, you're doing all these great things, but there's all sorts of underlying fees and costs and limitations to access in that money. And so I think a lot of times we we get products pitched at us they sound like they solve a number of problems with one deal so it's great you know, cuz I don't have the time to deal with 15 different things so perfect. This one thing does it all and and then you don't even know really what you're in or why you're in it. 10 years later, you like what happened to this thing? You know, and it's yeah, so it just it's not part of a plan always. It's got to you know, planning has to be part of a plan just like diet does. So yeah. Whether or not you should have whole life term life or universal life. I mean, it really just comes down to what your needs are, how much money do you want to put away, if you've already maxed out all these other areas, maybe you can use some. But it's also a great tool for like estate planning or tax preservation and things like that. Because insurance offers immediate leverage, it kind of buys you time to build up $10 million in assets, you can just buy a policy for $10 million, and you're immediately worth that. Explain that a little bit. Yeah, so insurance offers an incredible benefit. I mean, if if, if you are your life right now, as a physician, you have what I would call a massive human capital. So if we were to look at a pie chart,Look dude, I'm trying to lose some weight. I don't really consider myslef...I'm working on it.I mean, stressed I got several companies.You can can barely fit at the table.You know, I got I got a great solution, but so no, the so your life is part of your investments. And you're a big part of that because you have a human capital, you have a big investment in you and so that's a risk right there. So the rest of your portfolio should be weighted appropriately. Because you don't need to take on a ton of risk because you have a risky profession. And you could have all sorts of liabilities in there. So we look at the whole picture. And if you needed to protect that risk of your human capital, what it's worth call it $10,$20, $30. And you pass away young and you leave your wife and children on the lurch, and they don't have all that future income coming in. You could have solved that problem by buying a life insurance policy and just immediately having a you know, $3 million policy sitting outside or $10 million.The problem is like when you're first coming out of school, and you're really busy, and you're trying to do a million different things, and you get approached by someone who tries to use a product in order as Tim said, to solve your problems and then you get a bad taste in your mouth because you're like, wow, I bought this product that didn't work for me and it's just it's it's not really the physicians fault and it's not really the financial services person's fault. It's the system. The system manufacturers this because you have someone who's really busy a lack of attention, and they believe that everyone else is about is out to help, which is the physician because that's their out to help generally, right. So they project that image on to other industries. And then you have the financial services industry, which is originally created to monetize people's lack of attention, right? So they find people that...Monetize people's lack of attentionThey put a lot of time into these things, like oh, yeah,It's like, I'm busy, you know, give me a product and you're like, okay, yeah, we'll manufacture something for someone who's busy, who doesn't want to do the due diligence and doesn't want to do the hard things, right. The way I think about it is, you know, going to the gym and lifting weights consistently and eating healthy versus getting the steroids shot. To me, products are kind of like the steroids shot. In most cases. It's like, I don't want to do the hard things like have conversations with my wife, I don't want to think about where I'm going to be in 15 or 20 years. I don't really want to think about you know, saving for my kids college just like give me the steroids shot and I'll be on my way and then 10 years later, you didn't step foot in the gym and you're like, man, I'm all kind of chunky and I don't look good. Like, yeah, man, you just took steroids and you didn't go to the gym like, of course, you're going to look bad. But it's it's kind of like, it's an unfortunate situation that that is really transpired between, you know, the medical field and then financial services. But I think we're starting to come full circle. And the reason why is there's a lot of really great financial advisors and wealth managers, and a lot of them are in kind of hiding in secret because there's so many advisors out there that say their financial advisors, but there's a collective group, I would call it about 40,000 around the country that are CFP, use fancy words like fiduciary, you know, and they really take into account everything that's going on in someone's situation. So if you're lucky enough to meet one of those folks, it's usually a little bit later in life after you've kind of had one of those situations where somebody kind of burned you with the product. But at that point, you know, you're able to slow down and create enough space and both of the parties at that point are in a position where they can really help each other.What about for someone who isn't trying to bridge the gap between a high income level such as medical and still knows that they need to seek wealth management or financial management or they happen to be coming right out of school and they haven't even put together anything. How do they find someone to turn to?That's a challenge. Yeah, it's a really great question. There's a couple organizations that I'd recommend people check out. There's one it's called NAPFA. NAPFA.org I believe it's National Association of Financial something. But they're all advisors had been vetted out they're generally fee only they tend to do what is in the best interest of the client. So I'd say that's a really good starting point. But choosing an advisor is kind of like choosing a doctor, right, you know, your bedside manner. That's really important. It's hard to evaluate that through a website, you know, or through credentialing. You know, I feel like trust is a fairly simple equation. You know, I've read it in a book it was a couple years ago, but it's stuck with me. And I think this holds true for any service based profession, but trust is really credibility, plus reliability plus intimacy, divided by self orientation. And if you're a physician and you're only prescribing one, one drug, let's say, you know, you have a very high level of self orientation, because let's say that you get kickbacks for that drug. I know you guys, and this doesn't have it's not common practice and practice at all in your industry. But in our industry, like maybe somebody is maybe somebody only has one or two products, right? So they have a very high level of self orientation, which makes it a lot harder for them to build trust or to sustain trust. So I think it's really taking into account based on your interactions with with that advisor or that doctor, like, are you picking up signs of credibility? Are you picking up signs that these people are going to be reliable? And then also, are they doing a good job of asking you good questions and understanding what drives you and like, you know, how you think and what you want, right and creating that intimate relationship?Well, you bring this up, but it's always like, like everything. It's a two way street. So describe to me, both of you, your ideal client.Yeah, I mean, I think it's... Your ideal partner. Because it's really because at that point, it's no longer a client. We should be partners in this situation.Yeah. And and Tim, you can answer this as well. But I would say from from me and Tim, Tim and I, I think every person is a little bit different in our industry, I really like significance driven people that want to do something be bigger than just provide for themselves. So whether that's their family, where they want to build a business to help others, where they have charitable endeavors, or legacy goals that they want to nurture over time, those type of people light me up because there's more opportunities for advanced planning, there's more opportunities to have discussions about things that are really going to help them and frankly, it's just better for the world, right? There's more humans that we can help if we have bigger vision, so I'm kind of a big vision guy, and then I use financial services as as my vehicle to be able to help folks. So that for me, that's kind of my ideal client, but I know you know, I consult with hundreds of advisors around the country and want to have a similar podcast to this focused on the financial services industry, but every advisors a little bit different, you know, some I talked to and they're like, Hey man, I'm feel really called to serve widows and others are like, you know, I really like people, that are getting close to retirement because I feel like I'm great at retirement income and I can counsel those people, as you know, the markets go up and down. So I think a lot of it just comes down to like, what's your frequency? Like, what what type of people really light you up? And for me, it's kind of that significance driven person.Yeah, I would say very similar in a lot of ways, but it's almost like the law of attraction. If that's such a thing, but where you feel like you're finding other people that are in a similar spot in life, but you can add a lot of value to them just through your knowledge. So I've always kind of looked at the relationship side of things and just going deep with people and kind of hanging in there. And I feel like similar to Pat, like I do this as a mechanism to be able to stay in touch with so many different people and then continue to stay relevant and help them and just win that trust. And it's like the the financial aspects of it and what we make off it, it's, of course, it's there. Of course, you're always thinking like, hey, we have some things we'd like to pay off debt, get a bigger office, all these different things are of course we're human, help the children, you know all those things, but it's very much more about the relationship and seeing those, the trust, build and then helping them and then making a big difference and seeing their accounts doing what they're supposed to do. And there's tax savings in line with what they want to do. And it's just I don't know, it's kind of a anyone that's willing to be open to advice and values that but also sees it as deeper than that. Those are the people I like working with. That's actually how Eric and I started working together. I mean, one of the things one of the bonds that we have is that we're both, well, dude, I mean, we're both really into being dads. And I knew that Eric was really into his children. When I went to his house one time and his son gage was on a unicycle and Mac was juggling. Like these these flame things, they weren't lit yet. And I was like, What are you doing? He's like, in case since he is in the same boat as me, where there's lots of risk and if he dies, the family's dependent on it. He's like, I'm not going to leave my family destitute these kids will learn a circus skill before I get out of here. And that's when I realized we're on the same boat. We're going to take care of our families.We were in the middle of building the spinning knife throwing wheels.That's amazing. It is amazing. Thanks, Tim. Because what we do our side hustle as a family is circus acts. And it is awesome thanks. So anyway.But that just shows it's similar things. So now this is why I thought we could have you guys on you don't have to do that anymore. You can actually get insurance.Yeah,To help with that. And we lost we lost a couple...And now you have to admit to being psychotic.You have to but and we got a cousin that lost a few digits last week. But other than that, it's okay.Well, go ahead.Well, the other really thing, the thing that you talked about in your lecture, the other really thing that's good, that's good English.Solid grammar. SolidThe other thing that really impressed me with your lecture was the fact that you when you with clients a lot of times the spouse is not involved. And you know we already discussed that financial issues can be a real stressor on on spouses and and I was thinking about that this morning I went to an article on investapedia where spouses don't just the six things that are not discussed that you should discuss with your wealth manager mine yours ours Have you actually discuss what is what actual debt didn't even dawn on me that like people hide debt and then get married. And it's like, surprise, there it is. Yeah. personality type saver versus spender power play children. Do you know that it costs $233,610 to raise a child right now to the age of 18? That's a bargain.Yeah, that doesn't sound anywhere close.I was like, I think I spent 233,000 on tennis trips last year. No, I did not. That's been sarcastic.They start making bad decisions and it can get even worse.Oh, my gosh.It doesn't say after 18 what that cost is.Well alright. Alright. You caught me Patrick. I bet on my kid and I lose a lot. So yeah, you're right. Yeah. But it's funny. And then the thing that really hit me on this is the extended family. So at my age, I'm in this sort of sandwich situation where I've got my mother and my father's passed away. My father in law passed away. I've got my mother in law, and I've got my kids and you start looking at this and you're like, Oh, this is you starting to feel a little bit. Yeah, for sure. And this is gets thrown into your guys's laps. And so I was very impressed when you said now you got to sit down and just wow, talking about being vulnerable. Yeah. Saying look, this is everything I have going on right now.Yeah, it's crazy. I mean, Tim, do you want to take that? I mean, I feel like you've done a great job with a lot of that.It's huge. I mean, I think pulling we really don't move forward in a planning relationship unless the wife is on board or the significant other and that matter, so we just make sure of that because even when you got the hard charging entrepreneur type that we're working with, and there's they think in their mind like no, no, my spouse doesn't want anything to do with this and, and guys and girls, I mean, it's sometimes the women driving it, sometimes the guy driving it and their spouse is either taken to hear the kids hanging out, doing other things. They just don't want to be involved. But then you get the spouse talking, and you start finding out all sorts of stuff. They just help their mom who went through hospice, she had Alzheimer's, she was alive 17 years with Alzheimer's, it was this long drawn out, you know, event that they had to take care of. So she's got a whole different set of priorities and fears and thoughts about money. And the other person, the other spouse might not even be thinking that. They're just so focused on on doing what they're supposed to be doing that they lose, you know, they forget to pull them in. And so it's important to make sure everyone's on the same page. And then it's a real holistic plan. And then that way, you're making sure that everything's covered and that they have legacy they have charities they want to give to and you're making sure that the spouse is pulled in on that. So good piece. Yeah, I mean, the biggest thing is making sure that your accounting for both sides of that that sandwich, right? You know, it's easy to not think about the future and just live in the present and not realize what's eventually going to happen. And it's like, we've had a lot of issues where, you know, we've encountered people too late in the cycle, and they're like, Oh, my parents are moving in with me. And we're like, Okay, well, I mean, based on the projections, I don't think there's a whole lot you're going to be able to do if you want to actually provide care for them, it's going to have to be you because they didn't make the decision early enough on in their life to get something and protect themIs that a really common thing that you're seeing? I meanIt's starting to become a little more and more.Yeah cuz people are just living longer at this point. And part of the challenge is long term care is not a product that people want to buy, you know, it's not like, again, it's not a sexy product.You don't think about someone's like pulling you out of bed.I could never lose one of my five you know, core abilities right.We hear guys say it all the time. Oh, my long term care plan is a boat without an anchor or something. And I'm like, what? And you know, it's just a very bad idea of what it is.Well it just sounds dangerous and silly. It does sound dangerous for anyone.That's not to go off on a tangent but that is something that I'm very interested in because when we discuss lifespan versus health span Mortality verse morbidity. Yeah, so when you're sitting there talking about these kind of things so as a as a physician what we're trying to do right now is for myself, I'm like when I think about me working out and stuff I think about my my personal trainer is my 80 year old self saying don't do that. That that that looks stupid. Don't do that.No more no more back squats. You're done. No, yeah,Well, I pretty much tell my trainer to you know, beat it. I'm gonna try it anyways. This guy next to me just did and I'm sure I can do it.Load it up, six plates.So but it is interesting because right now I'm viewing everything as well. I need to be healthy when I don't want to be in a situation. My my whole our whole message is brain gut. You have to I believe that health begins and ends in the gut and I believe that it affects the brain and we have an epidemic of dementia and Alzheimer's happening. So we're having this situation where a lot of people are losing their capabilities. So even if you wanted to have a long boat ride without an anchor, you forgot it. Yeah, yeah, it's no longer in the boat and you don't even probably own the boat. Someone stole it, because you left the keys out, ya know, like, it's, yeah, we're seeing that a lot more frequently, as you guys probably have noticed an uptick in a lot of what's called inflammation related diseases, and those come into your brain. And then before you know, it's an epidemic, and that epidemic is going to work its way into the financial side. And we're starting to see the outcomes of that now. There's the link. That is fascinating. That is exactly because if I can help prevent some of that it can help some of your clients down the road. Oh, absolutely. Yeah. I mean, we used to do, part of our company was helping people with Medicare and it was crazy like the people that would come in that lived in more, let's call them like rural areas where they didn't have good access to food they didn't have good access to you know, good information around diet, their reaction time and their ability to process information and just how they could retain information, even in their mid 60s blew me away compared to other areas that were a little bit more affluent where, you know, they had access to food and that type of information. I mean, those people were, you know, whip smart, and they were able to, you know, have dialogues and remember what we talked about I was I think it's going to be a really big problem and it is now I think it's gonna get worse.An article just came out today, Bill and Melinda Gates are investing in a company to do micro encapsulation of nutrients they can actually get through in a be absorbed, so they can just sprinkle it as a powder in third world countries to try and help with these sort of micronutrient deficiencies. That when I see when I see stuff like that, when you guys are dealing with people, when you say, you know what would be really cool is to work with clients that can leave a legacy. That's pretty cool.Yeah. Being Bill Gates is probably pretty cool, too.Yeah. It's his... Bill, if you're listening we're open for business.Yeah. Like or subscribe or both.Yeah, yeah, it is a big epidemic that's coming I think... Melinda, I'm gonna give them a thumbs up. Are we cool with this? Yeah,It's tough too with the one last thing on care the care part of the plan most financial plans don't even think about that, you know, they're thinking so much about right now they're thinking about paying off debt and they're not looking at your family's your mom and dad or your mom down the road and how you're...The interesting thing is like, you would think our industry would be proactive in solving their own financial challenges, right? You think if you're a financial advisor, I'm sure you have your estate planning done. I'm sure you have all of your insurances in line, I'm sure you do proper tax planning, you know, got your investment portfolio property allocated for my, you know, work andYou didn't say Elvis collector plates, which is what 70% of my portfolios andWell, I mean, you're a great investor. So, you know, we can discuss that later. But you think that financial advisors would be the probably the first one on the list to get their financial house in order, but it's interesting how many Don't Oh, I've been on the consulting side, prior to starting my own firm and just having conversations with these folks and kind of looking through some of the, you know, the numbers and things in their own practice, it's, it's alarming how many people really don't do their own proactive financial planning, even if they're a financial planner, wealth manager. So I think it's, you know, if you're feeling any apprehension to like coming in and having those discussions, I mean, you're really not the only person. Like, it's pretty common.I just realized that we share a common spot here, which isbuy health insurance, or prepare for the future. A lot of people have to make this choice.Yeah. Now it's a good point.And I didn't even I didn't even think about that, that my parents generation did not really prepare for the future. And it's not their fault. They were post World War or my dad was post Korean War. And I don't know it was just they didn't really plan and soyeah, Yeah, I mean, Social Security's. I mean, a lot of folks are just retiring. And all they have is Social Security and Medicare. And I mean, it's medical expenses are through the roof, I don't need to tell you guys this, so I'm curious to see how we were able to address this problem, I think there needs to be a big change and, you know, outcomes for folks on the health side, because the health really drives your ability to either create or preserve wealth. And the worse off the average American is from a health standpoint, the more they're going to take from the system. And I just see that number keep going up and up and up. So hopefully, you guys can do good work and solve some problems. That's fascinating. I think that doctors and wealth managers need to be teaming up more and figuring out how, and be much more much more transparent about every Absolutely. Because even the way billing and all those things, there's so many things we can do now that are much more better outcomes and better for the client. The one other last thing about our parents generation, it's really tough about it all is that they were also conditioned to be very closed. Not every one of them but man. It's really really hard to talk to like, a dad or a mom sometimes and they don't always tell the children what they what they're doing with the money and you try to help them or different things. It's a, they're not super transparent. I don't know what it is, but it's a little tough.I think each generation has their own challenges. I think, you know, the silent generation is just like very close to the vest, you're not getting any information from that generation, the baby boomers, it's kind of hit or miss, you know, some of them done a great job with planning and others, you know, not so much. I think our generation like the Gen X, Y, I would say Gen X is the type that is reluctant to ask for advice, because they want to seem, you know, like they're an expert. You know?Gen X is?Gen X is, I don't know the exact age cuts, but I would say probably like 37 to 50. So early 50s. You know, and and this is really just kind of a heuristic. And this isn't like actual science or anything but just my observation interacting with folks. And then I would say Gen Y is done a terrible job of just saving in general. You know, like, it's more about living in the moment and travel and those types of...Gen Y is?20...late to mid twenties.So this is, so it's Gen Y millennial... Millennial. Yeah, Gen X is I think, a Gen X. But I think each generation presents with their own set of challenges that need to be worked through. And that's what I've learned over time as, as people walk in, and we have conversations with them, probably similar to you guys, when you meet with patients, you kind of know, generally what to expect and how to open up the dialogue and how to have questions to help them understand kind of the value of, you know, either good eating habits or good, you know, saving habits, depending on kind of the context that you're meeting them.You addressed a little bit Patrick and Tim, what it's like to have someone who now has a parent whose outliving  or outliving the coverage that they thought they were going to live. So we're talking about the health span versus lifespan situation and whether or not as you referenced they're going to move back home. What about the way that things have changed in terms of inflation specific to people as they plan for college now, probably over the last 15 years, and we've seen reports probably over the Last 10 where more and more people at the age of 18 don't tend to move out of the home. So, in other words, how do people retro actively kind of back plan by coming and talking to you on how they can readjust finances, because oftentimes the pride kind of plays into it. They're like, I don't want to look like I didn't plan for this. But the truth is, it's okay to say, I didn't plan for this. Help me get out of this. How do you approach someone like that?So just so I'm clear and clarifying. It's someone who hasn't adequately planned for some of these expenses, and then they're coming in and how do we kind of help them get through?Yeah, the environment changed to where whereas when, whenever I graduated was, whether you're going to go to college or service or just going to go and start your own business at 18. You're leaving, and over the last 15 years, more and more people graduate. They they stay at home. It's very expensive. The rate of inflation both for collegiate education is completely changed. I mean, my most expensive year or semester was 1500 dollars. Yeah. And that's obviously not going to happen anymore.I mean, I think it starts with just an acknowledgement that it's a trade off, right. So you there's only so much money to go around. And you need to rank your priorities. And if you have people living in your home, and that's taking away money that you could be putting towards your retirement. I mean, basically, what you're saying is that right now supporting your kids and making sure that those types of expenses are met outranks the priority of saving for retirement and other goals that you may have in the future. But it starts with an honest conversation about what are your priorities, and it is someone else, whether you love them or not, are they hijacking the vision that you have for your life? And are you okay with that? And I think that's really the first step. It's not really like, did you make good decisions or could you make better decisions, it's more, you know, here's where we're at, and it's not for good or for bad. This is a situation that we're in. Let's figure out what we want. If we can figure out what we want, then we can figure out the best path forward. And I think to add on to that, for people that are starting to have kids or maybe have young kids and you know, at some point they may be sending their kids off to college, should they put money in a savings plan for that, should they not? I think a lot of it just comes down to, you know, just being intentional about what you're you want. And then also, you know, what your, your kids may want too because I think that college will eventually decrease in cost. I think there's going to be, you know, opportunities for people to learn skills, and the workplace is rapidly changing. It's getting more competitive, in general to do business. So I think people are just going to be expected to have more skill sets in college right now the structure of it doesn't really lend itself to that. So I think we're going to see more dynamic learning environment, which should cut costs and be on average better for folks around the country.It's funny when you said to be saving that my I joked about tennis, but I do have a really big tennis family and I remember my son was 8 years old, and they brought in this consultant from England to talk about growth and adolescence. And somebody actually asked of the kids that you coach, how many of them went on to get a full ride scholarship? These are eight year olds. She lost it. She goes, here's a great idea. All the money you're doing spending on traveling all the money you're doing spending on private lessons, everything. Why don't you just put it into a college fund? There you go. And I just went, oh my god. Yeah, that's right their eight and they're asking you about college scholarships. Holy cow. We are. I mean, completely misguided here. So..Especially with the college system today in a lot of ways it's pretty broken. I mean, you definitely don't learn anything about real finance. You don't learn how to balance your budget. You don't learn about the tax code. You know?What if you happen to make it all the way through be a star athlete in football and get paid tons of money if you don't have a financial plan? Someone straight out of Austin, not that long ago, was a national champion quarterback has nothing to show for it and netted over 20 something million dollars?Yeah, I would say most athletes are just the deck is stacked because they have such a short career span, and you get that rapid rise. And they don't get good advice because the people giving them advice are the agents and it's a very kind of... It's an industry loan, you're loaning it for 5,7,10 year contract. Just the way that it's structured.And then it pays it back to the contract owner.It goes back to exactly what Patrick said, you have to be intentional. You have to be intentional with what you want to do. So if you want your kids to go to school, do something intentional and save for it. If you're going to make it all the way up, be intentional with this nice, this nice cash sum that you have it because it's not going to last forever. And there's no guarantee that even if your kids good enough that they're even going to want to play that sport when they get to school.Yeah, totally. You know, being intentional because we're talking we jumped right in and just started talking about all the stuff that we want to be excited about which is health and finances and stuff. But the reality is, how in the world did you guys meet? How did you form Surepath. Let's let's get into the stories now. I mean, clearly you guys, clearly you guys know what you're doing clearly you have the best intention of your of your partners, your clients. Now I want to know how this thing even came about how you built this.I mean, I I'm from Boston, Pat's from Philly area, and I moved down to Texas in 2013 2014. And so I had had a practice up in Boston and my family was that ended up down here in Austin. And so I was going back and forth just to service those clients. And there was an incredible time I was able to stay with some great families, and Finny Kuruvilla and a bunch of people like that who I only bring up because he's disrupting education right now with Sattler College. Their tuitions five grand a year and it's a fully accredited college Finny's a doctor and everything went to Harvard and MIT. But anyway, so I got to meet a lot of amazing people build some incredible community and things. But during that time, when I would come back to Austin for a few weeks, had a lot of downtime. I was going through a lot of family transition and things like that. So I started volunteering at a prison. And every Tuesday morning for about two years, I would go down there. And, and it was like towards about 18 months in. One of the lead guys in the prison ministries wife was a big financial advisor in town, and she wanted to talk about working together. And I'm like, that'd be great kind of having my practice here. And so let's talk. So, another new volunteer overheard us talking in prison, and they were walking into the actual prison to meet the men in there that we would meet with every week. And the new guys like, Hey, I heard you talking in the lobby, like what do you do? And I'm like, I don't really network at prison, but I will tell you, I do a little finance and things And then I walked up in a jumpsuit.That makes total sense why you guys felt comfortable stopping with me while I was holding the sign.If we can get this guy 10%.But anyway, long story short, he said, you ought to meet my partner. We do some Medicare things and he's a great guy. He's a CFA and a CPA and I'm like, Medicare CFA CPA. Interesting. So yeah, I'll meet I'll absolutely meet with him. So the next day I went and got a haircut and met with Pat and we just really hit it off. We were at Whole Foods in Austin it's about a coming up on February's of 2016 is when we did that.Did they give you a release?A temporary release, I had to wear one of those weird anklets. And I have like a guy following me.But yeah, so we met there. And then I think really just Pat was unwinding some other companies. He just moved back to Austin. He was doing some stuff back and forth in California another wealth management firm. And where I was at in life where he was at, like we started sharing some clients and ideas and before you know it, he's like, hey, man, here, the new business cards, website, everything like whoa, man, okay, this is awesome. And I didn't realize that he was as hard charging and together as he was, I mean, I knew he was but it was pretty impressive to see what he had already built out. So I left my other practice and full time we started Surepath. That was July 1 of 2016. And so that's how we met just a lot of good similarities in life. He's a bit nine years younger than me or so but about 20 years smarter than me. So it's a really good partnership.But that didn't prevent y'all from sharing some toilet wines. So that's pretty sweet.True. So that's, that's my side. You might have a couple of little details in there. But I think that's... Yeah, I mean, I think that's a great summary. I would say that, you know, what attracted us together I think, was just the the different skill sets. So Tim is like, great at meeting like if you're, if if you're a physician, and you go and meet someone, and if let's say Tim was a physician, and he would walk into the room, he would, every person would like him, like, in like two seconds, they go, Oh my god, I love my doctor. He's great. So Tim is great at building trust very quickly. On the relational side. I am more strategic and analytical. So I like to focus more on the practice and making sure that we're, you know, structuring everything correctly with like taxes and investments and financial planning and just better controlling the outcomes for folks and doing everything we can to deliver on our promise which is to help them reach the goals. So it's just a great combination where you know, I would, I get drained if I have to be in front of people like 10 hours a day, but Tim will be in front of people for 12 hours a day and then he'll go talk to a fence post for another 6.I'm sorry! I'm aware of that but it's just a...Alright seven seven hours.You want me to pull the splinters out or what? I gotta go talk to this dandelion.You're really going out with that guy? yeah, yeah he's a good dude. Okay, so great story about Tim is when the last time we were all together we're listening to live music. Remember, Tim took off to go to a friend's wedding up in Boston.Which shows which which in itself just shows total loyalty. which is...Total loyalty to your friends because you left that morning to go yeah, what's up Matthew don't know you. But I know this guy loves you. Because he left early in the morning from Salt Lake and then suddenly, he appears late night while we're listening to Christian Mills bands, right? Yep. And then... They're doing a Stones cover I think yea,Yea Tim rolls up with his with his beanie on and then... It was cold that night. It was snowing.Well wait, let's let's go ahead and paint the picture a little bit better. It's on the top of a mountain.Yes. Very top of the mountain. I could barely breathe.Yeah, high altitude sickness potential And much like Ron Burgundy here comes. But it was also kind of set up in a way that the top of the mountain had like different camps so if you want to be down at the campfire if you want to be at the live music, so I was kind of hanging out at the live music for most of the night. And then I just heard it as I was walking by it was loud. I mean, you can hear the on top of the mountain but it was yes. And then I'll stop talking.You know what, I'm gonna disagree with that because basically I saw your Uber barely make it up to the top mountain. Then you jumped out you're like I told you to wait till I got here.You pulled your your harmonica out of your sleeve and... You did jam though. Do you have your harmonica on you?You know I left it in the car.Can you go get it? Yeah. While we're sitting here talking a little bit. Just keep the mic on you're good.Yeah.Even if it's turned on?Don't go pee or anything and pull a Naked Gun move.ooh?I got you muted until you get back.All right, while we're sitting here waiting, let's talk personal stuff like, what's what's going on like the wife married?Yep, married. My wife is Brazilian. So we met about 10 years ago. She is a you know, she she was a crazy story. I wish she was here to tell it. But she, she started as a babysitter. She flew over from Brazil was going to school here. So she's an Au Pair program. And I grew up in Philadelphia, you know, we all look the same and Philly, like, you know, and then I'm out for my 23rd birthday. And I'm like, well, I had a couple drinks. So you know, a little bit stronger than hop tea. I look arond and go, you look a lot different than everybody else. So I walk up to her and you know, 23 years old and I'm like, Hey, how's it going? And she's like, couldn't speak English at that time. So, you know, I'm trying to talk to her and she's like, I can't speak English. And I'm like, that's okay.Did you ask her can you not speak English? Or am I just really drunk?Yeah, I think it was a combination.But no she really couldn't speak at that point. And I was like, Hey, can I get your number? Like, can I get you a drink? And she's like, No, she totally shut me down. I'm like, all right, well, I'm going to go then. So I accidentally, coincidentally rather ran into her three months later, at another place like 45 minutes away, and she recognized me at that point. And she could speak so that's that was the beginning of our relationships. So and she went from that to being like the head of sales for a tech startup in in Austin. So she covers like all of Latin America and is always like kind of in the air and manages a team of sales professionals and blows me out of the water.Next time she goes to Cabo man, that'd be a great trip for you guys but...Every time she posts on LinkedIn, like I do a lot of social media stuff like of a podcast and videos or I may  post something I get like 12 likes, my wife posts one thing 274 likes, like what, how do I how do I capture some of this start. She's a great woman.Awesome. Awesome person. No she's she's fantastic. No kids yet so we're planning on that soon. And I live in Austin, Texas. So I've been there for ever since I moved from Philadelphia really sitting there for about 10 years. How do you guys like Austin? We love it. Yeah, not probably not going to move, honestly. I mean, it's one of the one of the things like we're in an industry and wealth management, wealth management industry where I feel like it's important to be part of the community and like, have a physical presence so that we can actually meet with folks. So I do believe that being in Austin is important for our business, but I also really just like it, you know, it's a great, great city.I saw the other show are you guys actually in Georgetown. Is that where your physical office is?We have a Roundrock location we're actually getting hopefully a new office here. Like this week or next week. We're potentially moving spaces down towards downtown so we have a couple satellite offices and you know, but we're getting the main hub which will be fun.Yea it's a nice place. You'll have to come down. We're hoping to have a nice little setup like this.That's awesome. Hey, what was the song that you played?Oh, it was a was a Rolling Stone song and truth be told I don't play harmonica regularly. I just happened to have it in that bag because when we were in Croatia, the acoustic guy in Croatia was playing a lot of really pretty songs and I was like, man, I wish I brought my harmonica because I know I didn't bring mine too so I said I'll bring mine to the next event. So I had it with me and I didn't know if he was gonna be playing it was Christian Mills and it was the other guy with the longer hair... You weren't there you were in Croatia so that's why I brought it so I just had it on me for that reason. Where did you get the tombstone style hidden gun thing where do like a little spring loaded thing?Did I do that you know when I pulled it out? Yeah. Yeah. You know, well, I was talking to Christian you know, as musician speak you just kind of ,I'm not really a big musician, but I was looking at him I was like, I held up my harmonica and I just pulled it out and then when I went up there...you know if you play that we can't, we won't be able to layer it on YouTube.Oh, that's right. You can't just play other people's I was gonna I was gonna play the same song. And let you kind of rock on with it.It was the Stones? What was what song was it? It was a I forget the name of it...It wasn't give me shelter.No, it was.Are you able to do that?Yeah, inverted yield curve?  That will probably be you. Yeah.Well, I was just gonna say what I want to do is hear a little I want to hear a little harmonica. And one of the neat things that we have here in the studio is we've got a whiteboard and I want to ask, I just want to draw out something that is typically kind of hard for somebody some, I'm just a simple country, butt Dr. from Texas. And so I if I could see it on a whiteboard. And one of the things one of the things you were talking about during your lecture was this inverted yield thing and I was like, I don't know what that is but...I'll give a little intro for the inverted yeild curve.So let me go ahead and set that up.This things kind of a little old so...Some set up music here by Mr. Tim Power. Oh there's no reason to stop we're just now pulling the curtain back. There was nothing wrong with that at all.If the music's playing I can jump in I play a lot better just on my own it's a little harmonica is a little insolated.That harmonica means the whiteboard is coming out.Maybe it was a little higher up than i thought. The air was a little thin and all of us were like...Well with the band like the Christian Mills it was it was just a no brainer so I knew I could get up there and just play anything and it would sound okay.Well I'm gonna throw it to either guy but it's kind of interesting because inverted yield. I was trying to talk to.Pretty weird right?  It is super weird. So we got some markers here. I'm going to bring you a camera. Tim you can narrate while you draw and then Pat, wait I'm sorry, Pat, you can narrate Patrick.So Tim if you want to narrate or who's gonna draw? Yeah whatever.You just move your chair.I get the cordless mic. Sure. The director's chair.The director's chair.And I might move that a little too. First time we're trying to move. There we go.You get that okay? Good enough? Good enough. Alright.We're gonna do a whole little lecture on inverted yield and why this is important to understand that so that as we're looking at investments, You can just draw kind of a vertical horizontal guy. And so you're going to do Time, time over here, interest over there. Yeah. So time.Time is going to be on his x axis, and the interest is going to be on the Y the vertical.So generally, just to kind of set the stage here, because this is actually a fairly complicated topic these guys gave us absolutely no heads up on the inverted yeild card. But usually what you would expect as you go out over time that you would be compensated by increased rates. So for example, let's say a bank was going to lend you money and they were going to lend you for, you know, 15 years, right versus a year. Imagine, actually, let me back up. So imagine you were gonna to lend someone money and and you could lend them an amount of let's call it $100,000 for a year, or you could lend them $100,000 for 15 years. Imagine why would so why would you ever lend them $100,000 for 15 years, if you got a lower rate of interest, then if you could lend for one year, right? So the weird thing about an inverted yield curve is it's exactly that. You can lend in the short term for higher rates than you can lend in the long term. So if you think about it, from an investor's perspective, there's really no reason to take any risk. There's no reason to go out and lend for 10,15,20,30 years out on the x axis, because you're not compensated for doing that risk and return are generally related. So what you would expect is if you're going to lock up your capital, and you're going to land for 5,10,15,20 years, and you're not going to see that back for 5,10,15,20 years, you're going to want a higher interest rate. Well what happens with an inverted yield curve is you actually get a lower interest rate, which is counterintuitive. So it's the market generally signaling that interest rates are expected to fall in the future.So where where does that signal come from? This is where I'm confused.So the way that markets price interest rates are securities, it's kind of there's a number of factors, right? So there's supply and demand. There's people coming to the market and saying, I want to lend and I'm, I'm willing to lend and other people saying I want to borrow, right. So part of that is going to drive the interest rate. So supply and demand. The other thing is market forces, right? So you got things like quantitative easing, and have happened, you've got, you know, just fluctuations in, you know, how how liquid capital is, and how available it is money supply. So there's a lot of factors that could potentially go into the shapes of the yeild curve. But there's really no explanation that is 100% accurate to say how the yield curve is going to shift or change. It's very, very hard to predict changes in the yield curve. So really the only thing that you can do is act based on the information that's available to you. And what this yield curve that Tim has so beautifully drawn up here tells me as an investment manager is, I'm not going to take turns, it's called term risk. There's really no reason for me to go out and take term risk, because I'm not compensated for it. I'm not willing to lend for 10 years for 1%. I'd rather lend for 10 years 1% I'd rather lend for one year and maybe get three to four. Right? There's, there's no reason for me to take that bet. And the interesting thing is, yeild curves, if you look at the data, they can also have some predictive power as far as how financial markets are going to go. This is a this is a, a bad sign, gen

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