Podcasts about Yield

In this episode, I sit down with Rebecca Herbst, the founder of Yield & Spread! A not-for-profit investing course and movement designed to make financial education simple, empowering, and accessible to everyone.After retiring at just 32 through financial independence, Rebecca now dedicates her time to helping others build wealth and give back through effective altruism.We dive into how to overcome fear of investing, the power of keeping your strategy simple, and how financial mindfulness can change your life. Rebecca shares her journey from corporate real estate to early retirement, her philosophy behind risk-averse, passive investing, and how she uses money as a tool to create more freedom and generosity in the world.If you've ever felt overwhelmed by how to give back it doesn't have to be complicated — it's empowering.In this episode, you'll learn:How Rebecca reached financial independence by age 32Why simple, low-cost investing beats complexityThe truth about budgeting and finding your “enough”How to align wealth-building with generosity and purposeWhy Yield & Spread donates 100% of profits to charityContact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyConnect with Rebeccarebecca@yieldandspread.orgResources and Links:https://www.yieldandspread.orghttps://www.thelifeyoucansave.org/Charitable Giving and Tax Strategies with Sean Mullaney, The FI Tax Guy | E076https://youtu.be/FYkdYiydDqE?si=WZ6gpTeI_T-Fhy8mhttps://www.charitynavigator.org/https://www.thelifeyoucansave.org/https://www.givewell.orghttps://www.givinggreen.earthhttps://www.givedirectly.orghttps://choosefi.comEffective Giving for the FI Community | Rebecca Herbst & Jack Lewarshttps://www.youtube.com/watch?v=Hs3oHR0WVsE

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

Jamie Leverton, CEO of ReserveOne, joined me to discuss how the firm is taking a unique approach to their digital asset treasury which includes Bitcoin, Ethereum, Solana, Cardano, and XRP. Topics:- Crypto asset diversification- Yield generation - Staking, Lending, & Venture allocation- Staking rewards strategy- Tokenization market- Crypto needs the Clarity Act to pass- Crypto market outlook

Welcome to Newbreed Christian Community!We arrive at the climax of an unforgettable journey. PNEUMATIKOS 2025 culminates in DAY FIVE — THE GRAND FINALE, a solemn and powerful charge that seals all God has deposited over the past days.The final teaching with Pastor David Oghenerobor is titled:

Farm+Food+Facts host Joanna Guza talks with Dr. Jerry Hatfield, Retired Laboratory Director, USDA-ARS National Laboratory for Agriculture and the Environment and Dr. Bruno Basso, Professor of Earth and Environmental Sciences at Michigan State University, about USFRA's new study, “Enhancing Farm Profitability Through Nitrogen Efficiency and Yield Stability.” We cover the new analysis, what conservation and technologies support it, how to manage low- and high-yield zones and improve profitability.  Thank you to the Minnesota Soybean Research & Promotion Council, Wisconsin Soybean Marketing Board and Edge Dairy Farmer Cooperative for supporting this new research.  Learn more about the study here: Enhancing Farm Profitability Through Nitrogen Efficiency and Yield Stability To stay connected with USFRA, join our newsletter and become involved in our efforts, here. Check out USFRA's report on the “Potential for U.S. Agriculture to be Greenhouse Gas Negative.” 

Holiday Grain Market Why it is Important to Clean Yield Monitor Data Warm Temperatures in December   00:01:05 – Holiday Grain Market: The show starts with K-State grain economist, Daniel O'Brien, as he highlights futures and cash prices for corn, soybeans and wheat. He also notes what usually takes place for the grain market around the holidays. Daniel O'Brien on AgManager.info   00:12:05 – Why it is Important to Clean Yield Monitor Data: K-State agriculture precision specialist, Deepak Joshi, and K-State Extension agronomist, Tina Sullivan, keep the show moving as they discuss the importance of cleaning yield monitor data and what errors commonly occur. Cleaning Yield Monitor Data Matters for Better Farm Decisions eUpdate.agronomy.ksu.edu   00:23:05 – Warm Temperatures in December: Chip Redmond, K-State meteorologist, ends today's show as he shares his forecast that includes what he expects for the end of the year.      Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu.   Agriculture Today is a daily program featuring Kansas State University agricultural specialists and other experts examining ag issues facing Kansas and the nation. It is hosted by Shelby Varner and distributed to radio stations throughout Kansas and as a daily podcast.   K‑State Extension is a short name for the Kansas State University Agricultural Experiment Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices statewide. Its headquarters is on the K‑State campus in Manhattan. For more information, visit www.ksre.ksu.edu. K-State Extension is an equal opportunity provider and employer.

Stablecoins led one of the most important years in crypto progress. Supply surged. Yield went onchain. Tokenization exploded. Now, a handful of protocols started to separate themselves from the rest.In this episode, the StableWatch team breaks down what actually happened in stablecoins this year, why growth accelerated so fast, and which yield-bearing models we think matter heading into next year.We review the data, apply numbers to narratives, and make clear predictions for 2026 across yield, RWAs, and onchain credit.We discuss:• How yieldcoins grew from $7B to $22B+ • Which models are winning: Ethena, Sky, Maple, Ondo, Securitize (And why...)• Why Sky's yield compressed while Ethena surged• How tokenization quietly became one of crypto's strongest narratives• RWAs, onchain credit, and where real demand is coming from• Why DeFi benefits when risk-free rates fallTimestamps:00:00 Intro00:36 The Stablecoin Shift03:23 How StableWatch Started07:42 2025 Review: $75.8B → $228B12:27 Sky vs Ethena: Winners & Losers16:57 Haliday Ad InfiniFi Ad Yeet Ad19:27 Why Stablecoins Track Crypto Markets24:09 RWAs, Credit & Tokenization28:47 Why Risk-Free Rates Matter30:47 Kalshi Ad Trezor Ad Hibachi Ad35:47 2026 Predictions: Who Wins Next42:38 Rate Cuts & the Next DeFi Boom49:51 StableWatch's Vision for 2026Website: https://therollup.co/Spotify: https://open.spotify.com/show/1P6ZeYd...Podcast: https://therollup.co/category/podcastFollow us on X: https://www.x.com/therollupcoFollow Rob on X: https://www.x.com/robbie_rollupFollow Andy on X: https://www.x.com/ayyyeandyJoin our TG group: https://t.me/+TsM1CRpWFgk1NGZhThe Rollup Disclosures: https://therollup.co/the-rollup-discl

What if the secret to real resilience isn't just powering through, but learning to pause—even when it's the absolute hardest thing to do? I've been there myself, caught in the frantic pace, feeling like the world's too loud and demanding. Maybe you too, as a leader, find it easy to keep going… until suddenly, you realize you don't even know how you feel anymore. You're supposed to be strong, to keep it together. But honestly, is pushing through actually helping you, or just holding you together by a thread? So many leaders believe resilience means being tough and unbreakable. But the truth, as Dr. Ute Liersch and I explore in this episode, is that resilience is about yielding and noticing the real experience, even when it's frustrating. When we slow down enough to notice what's going on inside, we can actually respond flexibly, adapt, and find our footing again. Today, we're reframing resilience and looking to the deeper work of psychological flexibility and awareness. This is about building a daily ritual of noticing, connecting, moving, expressing, and realigning with what matters most. This isn't about achieving perfection or following someone else's script for success. This is about real, practical ways to build your noticing muscle using the resources you already have and giving yourself grace when it's hard. Chapter Highlights (00:00) Why noticing is more than mindfulness (05:10) How do we give without depleting our own energy? (07:00) The Power of "Offering" Instead of "Pushing": Reframing leadership at home and work (10:40) The Yielding Assignment: What happened when Andrea stopped to notice? (16:45) Why feeling angry, anxious, or exhausted is normal (and how to honor it) (21:40) Self-Trust and Honest Awareness: Handling hard moments in crisis or grief (33:30) How noticing shifts your experience from overwhelm to authenticity (36:30) How expectations shape your family and work relationships (48:38) Reframing Anxiety: Seeing it as a sign that life matters, not a problem to fix   Connect with Dr. Ute https://www.drute.org/ Dr. Ute's Book A Minimalist's Guide to Becoming Resilient: How to Yield, Return, and Begin Again   About Andrea Butcher Andrea Butcher is a visionary business leader, executive coach, and keynote speaker—she empowers leaders to gain clarity through the chaos by being MORE of who they already are. Her experiences—serving as CEO, leading at an executive level, and working in and leading global teams—make her uniquely qualified to support leadership and business success. She hosts the popular leadership podcast, Being [at Work] with a global audience of over 600,000 listeners and is the author of The Power in the Pivot (Red Thread Publishing 2022) and HR Kit for Dummies (Wiley 2023).   Connect with Andrea https://www.abundantempowerment.com/ Connect with Andrea Butcher on LinkedIn  https://www.linkedin.com/in/leaderdevelopmentcoach/   Abundant Empowerment Upcoming Events https://www.abundantempowerment.com/events        

After a difficult period for infrastructure assets, 2025 has marked a more supportive environment. Will Argent, manager of the TM Gravis UK Infrastructure Income fund, examines what's driving the recovery, from interest rate cuts and M&A activity to government infrastructure plans and regulatory developments. We discuss the role of renewables, utilities, digital and social infrastructure, and how diversification helps smooth returns across market cycles. He also explores how infrastructure income compares with equities and bonds, the importance of inflation linkage and what investors can realistically expect from the asset class looking ahead to 2026 and beyond.What's covered in this episode: Infrastructure performance in 2025Interest rates and stubborn gilt yieldsRegulatory risks and renewablesM&A activity in listed infrastructureThe UK government's 10-year infrastructure planEnergy, water and grid investmentIncome vs capital growth balanceInfrastructure vs equities and bondsInflation-linked income streamsOutlook for the asset class in 2026More about this fund: TM Gravis UK Infrastructure Income is a unique fund that invests in a combination of UK-listed investment trusts, direct equities and bonds. This fund is an interesting option for income investors looking to diversify their portfolios. The fund's high income and relatively low volatility make it particularly attractive. Learn more on fundcalibre.comPlease remember, we've been discussing individual companies to bring investing to life for you. It's not a recommendation to buy or sell. The fund may or may not still hold these companies at the time of listening. Elite Ratings are based on FundCalibre's research methodology and are the opinion of FundCalibre's research team only.

As we wrap up the way Jesus taught us to pray, He brings us back to where we started, recognizing who God is and submitting our lives to Him.

Even Davinci Jeremie Putting Out “Sky Is Falling” #Bitcoin Predictions; Bitcoin Loses 10% Hashrate; JPMorgan Launching New Yield Fund #Crypto #Cryptocurrency #podcast #BasicCryptonomics  Website: ⁠⁠⁠⁠https://CryptoTalk.FM Facebook: ⁠⁠⁠⁠@ThisIsCTR⁠⁠⁠⁠ Discord:⁠⁠⁠⁠ @CryptoTalkRadio⁠⁠⁠⁠ Chapters (00:00:01) - Crypto Talk Radio(00:01:30) - DaVinci Jeremy's Crypto Prediction(00:08:27) - DDoS Attack on Solana Chain(00:10:21) - One Wallet Dumps $1 Billion in XRP(00:12:05) - Don't Get Jumped On Bitcoin's Crash(00:14:38) - Do Rug Pull Should You Defend Him?(00:19:05) - Another Anonymous Tip About Block Dag

Potatoes...They are the stuff of songs world wide. Who knows that more about this subject than those of us living and loving in Idaho.

By Ernest Grier - If we are not yielding to and utilizing the spirit of God dwelling in us, then we are putting ourselves in a dangerous place. The last thing we want to do is resist the holy spirit.

KKR is looking to Europe and Japan for yield as US debt spreads grind tighter. “Investors are very focused on relative value in a market where there’s not a lot,” Tal Reback, global investment strategist for the firm’s credit and markets business, tells Bloomberg News’ James Crombie and Bloomberg Intelligence’s David Havens in this episode of the Credit Edge podcast. “In general, investors are much more intrigued about how to diversify geographically,” she adds. They also discuss what KKR thinks could be a $1 trillion European asset-backed debt opportunity, private credit default risk, valuations of direct loans, sector bets and business development companies.See omnystudio.com/listener for privacy information.

Rebecca Herbst reached financial independence at age 32 during the tenuous early days of the pandemic, and volunteered shortly thereafter to be furloughed from her job in commercial real estate—and so began her (extremely) early retirement.  But spending her days exactly as she wanted featured an unexpected side effect: guilt. What do you owe to others when you've gotten everything you wanted? Rebecca alchemized her sense of duty and founded Yield & Spread. In detail, we cover: What the “FI-lanthropy” pledge entails How she squares the desire to retire early with the idea of “hoarding money” Where Rebecca gives for the highest impact Who donor-advised funds might make sense for, and how they work How to donate appreciated stock, and why it might be  preferable to giving cash Subscribe to my weekly newsletter: ⁠⁠⁠⁠⁠⁠https://moneywithkatie.com/newsletter⁠⁠⁠⁠⁠⁠ Get your copy of Rich Girl Nation, one of Barnes & Noble's Best Business Books of 2025:⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.moneywithkatie.com/rich-girl-nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Transcripts, show notes, resources, and credits at: https://moneywithkatie.com/the_mwk_show/the-filanthropy-pledge/ — Money with Katie's mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs. Learn more about your ad choices. Visit megaphone.fm/adchoices

Short term yields have shifted, liquidity matters more than ever, and investors are rethinking how to manage cash efficiently. In this Lead-Lag Deep Dive, Melanie Schaeffer sits down with Aram Babikian to break down the purpose of TRSY, why its structure is different from traditional cash vehicles, and how investors are using it in today's rate environment.They explore why liquidity, cost, and transparency are shaping cash decisions, how TRSY compares to CDs, money markets, and ultra short bond funds, and what its treasury-only structure means for both risk and potential tax advantages. Babikian also explains how the short duration profile, competitive expense ratio, and intraday tradability create flexibility for investors who need cash options without sacrificing yield.In this episode:• Why TRSY offers a different approach to short term cash management• How intraday liquidity can help investors react to market volatility• How expense ratios impact yield preservation in a higher rate world• Key differences between TRSY, CDs, money markets, and ultra short bond funds• The potential tax benefits tied to treasury backed incomeLead-Lag Live brings you inside conversations with the financial thinkers who shape markets. Subscribe for interviews that go deeper than the noise.Start your adventure with TableTalk Friday: A D&D Podcast at the link below or wherever you get your podcasts!Youtube: https://youtube.com/playlist?list=PLgB6B-mAeWlPM9KzGJ2O4cU0-m5lO0lkr&si=W_-jLsiREjyAIgEsSpotify: https://open.spotify.com/show/75YJ921WGQqUtwxRT71UQB?si=4R6kaAYOTtO2V Support the show

In this episode of The Crop Science Podcast Show, Dr. Felipe Dalla Lana from Louisiana State University discusses the challenges and innovations in rice disease management in the U.S. crop industry. He unpacks the unique environmental pressures in southern rice production, the limitations of current fungicide use, and the integrated strategies being adopted for sustainable outcomes. Listen now on all major platforms!"About half of the rice grown in the U.S. is exported, but a significant portion is used in domestic food and beverage production."Meet the guest: Dr. Felipe Dalla Lana is an Assistant Professor and Rice Pathology Specialist at Louisiana State University, with a research focus on rice disease epidemiology and management. He holds a Ph.D. and M.S. in Plant Pathology from The Ohio State University. His work emphasizes disease resistance, fungicide limitations, and environmental adaptability in rice production.Liked this one? Don't stop now — Here's what we think you'll love!What you will learn:(00:00) Highlight(01:00) Introduction(06:22) Rice disease pressure(09:07) Louisiana rice industry(15:59) Major rice diseases(20:20) Fungicide limitations(26:20) Yield loss risks(38:00) Final three questionsThe Crop Science Podcast Show is trusted and supported by innovative companies like:- KWS

On their way across the Terbic Praerie, the Skywaymen take a moment to rest at a cozy ranch house. A warm fire helps them open up to each other before heading back out to find Rennie's caravan.   Content Warnings: Language, Violence, Sexual Themes, Dark Themes ------ Please follow this link to help us feed America! https://teamfeed.feedingamerica.org/teams/PodcastersFightHunger ------ Follow this link to request an Advanced Reader Copy of CR Stroud's new book Yield: https://docs.google.com/forms/d/1z6_F7NcAt0vgzc8VaJ8D00Fpn2J6wflJ78i0c8Wh53o/edit?usp=drivesdk And, Preorder Yield NOW ------ Join the Queer Actual Play Guild, a new discord space for queer voices in the AP community! https://discord.gg/n8qsmtDCUj ------   Join our Shrimp and Crits Discord server for the official listening parties. These are every release day at 8:00PM EST. (full server only open to patrons) https://discord.gg/qCHktpeTDG ------ Support us on Patreon: https://www.patreon.com/ShrimpandCrits ------ You can follow our linktree (https://linktr.ee/ShrimpandCrits) to our website, social media, and much much more. Please subscribe, rate and review us on any podcatchers where you listen. If you'd like to get in touch, feel free to do so by email (shrimpandcritspodcast@gmail.com) or post (PO Box 60934 Nashville TN, 37206)

In this powerhouse episode of In The Lab, Ruben sits down with Jack Martin — co-founder and CIO of 52TEN, one of the top mobile home park operators in the United States. Jack brings decades of experience across development, acquisitions, capital formation, and operations, having overseen over $1B in real estate projects and more than 2,000 lots nationwide.Jack breaks down why mobile home parks sit at the lowest end of the real-estate risk spectrum, how they deliver unusually stable cash flow, and why investors from high-net-worth individuals to family offices chase the asset class for its superior tax advantages. He explains the core difference between mobile home parks and RV parks, why land improvements are the real engine of bonus depreciation, and how lot-rent economics create both affordability for residents and reliable income for operators.Throughout the conversation, Jack unpacks key levers for value creation — sub-metering, operational discipline, expense reduction, proper sizing for scale, and what separates truly institutional-quality parks from everything else. He also reveals how his team evaluates 150 deals a year and buys only three, why scarcity drives long-term upside, and how EOS, belief, and people have shaped 52TEN's rise into a market leader.This episode is a must-listen for anyone who wants to understand the real math behind mobile home park investing, see how large operators think, and learn why this niche remains one of the most tax-efficient, recession-resistant strategies in the country. Tune in now to discover why Jack calls mobile home parks “the most stable real estate in America.”Get the Midterm Rental Insurance Blueprint: https://experimentrealestate.com/#blueprintHIGHLIGHTS OF THE EPISODE:08:02 Jack talks about why MHPs are lowest on the risk spectrum25:56 Jack talks about applying cost segregation KEEPING IT REAL:06:00 – Mobile home park model08:06 – Why investors choose MHPs10:36 – Bonus depreciation power12:57 – Tax buckets clarified14:49 – Investor profiles shift21:17 – Land improvements explained24:53 – Cost-seg advantage28:10 – Evaluating properties33:03 – Renting land, not homes37:56 – Tenant stability factor45:28 – Why new parks aren't built49:04 – Expense leaks & fixes53:05 – Affordability for residents57:22 – Yield expectations1:04:12 – Belief, EOS, people  Episode Hashtags: #MobileHomeParks #RealEstateInvesting #AffordableHousing #WealthStrategy #PassiveIncome #TaxStrategy #LandImprovements #MHPInvesting #FinancialFreedom #ScaleWithStabilityCONNECT WITH THE GUESTWebsite: https://52ten.com/ Linkedin: https://www.linkedin.com/in/jack-martin-52ten/

In this conversation, Lars Brunes discusses Genius Yield's innovative approach to decentralized exchanges (DEXs) through Smart Liquidity Vaults. The discussion covers the advantages of order book systems over automated market makers (AMMs), the mechanics of how Smart Liquidity Vaults operate, the role of oracles in price determination, and the challenges faced in attracting liquidity providers and users. The conversation emphasizes the potential benefits of this new system for liquidity providers and traders alike.TakeawaysGenius Yield offers an order book style DEX on Cardano.Smart Liquidity Vaults simplify liquidity provision.Order book systems can be more efficient than AMMs.Liquidity providers can set prices in both directions.Oracles play a crucial role in price adjustments.Centralization of oracles poses risks.The success of DEXs relies on user engagement.Genius Yield aims to reduce impermanent loss for liquidity providers.Theoretical advantages exist for order book systems on Cardano.Marketing efforts are needed to attract users and liquidity.Chapters00:00 Introduction to Genius Yield and Smart Liquidity Vaults02:40 Understanding Order Book vs AMM DEXs05:38 How Smart Liquidity Vaults Work08:10 The Role of Oracles in Pricing10:57 Challenges and Solutions in Liquidity Provisioning14:00 Advantages of Genius Yield's ApproachDISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content.

19 Minutes PodcastThis week's market outlook looks at where traders have yield expectations priced in ahead of the upcoming report, why soybean demand signals from China still are not fully showing up in the data, and how corn export strength is shaping early pricing opportunities. We cover the current cash trends, the widening basis swings across the eastern Corn Belt, and how local ethanol demand is creating pockets of stronger bids. The update also digs into South American weather and production, how global supply shifts impact both corn and soybean price potential, and why producers should watch early 2026 opportunities while making 2025 decisions. We finish with a discussion on cost of production, the impact of sticky overhead costs, and why now is the time to finalize marketing plans heading into the new year.

A bonus episode featuring albums from the 70s, 80s and 90s! Jon and Matt team up to cover the following albums:-Simply Red- "Picture Book"-Blondie "Eat to the Beat"-Red Hot Chili Peppers "One Hot Minute"-Pearl Jam "Yield"Check out our YouTube page here: http://www.youtube.com/@combingthestacks1470Check out the Combing the Stacks Letterboxd list here: https://boxd.it/bS98c

Watch the video version here: https://youtu.be/f_SWxRdWj4kOn this episode:

Crypto News: CFTC greenlights spot crypto trading on US exchanges. Citadel wrote to the US SEC calling for tighter rules on tokenized assets and DeFi. Coinbase incubated Ethereum L2 Base network rolls out bridge to Solana.Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/ 

In this episode of the Green Pill Podcast, Kevin Owocki and co-host Devansh Mehta sit down with Vitalik Buterin for their annual deep dive into the future of public goods funding in the Ethereum ecosystem. They explore where funding will come from in 2026, how the landscape has shifted from "vibes-based" funding to verifiable, dependency-driven mechanisms, and why this is the best moment to reform PGF using new tools like programmable cryptography, AI-assisted evaluation, and deep funding models. Vitalik also shares how he thinks about dependencies, credible neutrality, open-source licensing, pluralism, accountability, and what builders should prioritize in the coming year. A must-listen for anyone designing mechanisms, funding public goods, or building the next era of Ethereum governance.

Welcome back to Bri Books BriCember, and welcome to Wine Week! I'll be breaking down the age-old question: "What makes wine good?," and sharing my 'four pillars of place' to help you start to build your good wine vocabulary.  0:39: Breaking down 'good wine.' REmember, wine is an agricultural product. Let's set the stage for practical, place-based approach to wine. 1:12: Why 'terroir' matters + the 'pillars of place.'  1:51: Pillar 1: Soil type. Soil determines minerality, texture, and structural feel. 2:31: Pillar 2: Climate. Climate influences fruit ripeness, acidity, and aromatic profile. Cool climate = fresh, high acid; warm climate = ripe, fruity, plush. 3:23: Pillar 3: Elevation and aspect. Elevation affects temperature swings (diurnal shifts). Sunlight, rainfall, and altitude shape ripeness and freshness. 4:33: Pillar 4: Vine health and farming. Farming practices (organic, biodynamic, low-intervention) matter. Yield, canopy management, and vine age influence quality. Winemakers' traditions are the key expression of terroir. 5:25: Deep dive: soil as the "starting palette" for winemaking. 6:10: Deep dive: climate and elevation's impact on wine aciditiy and aromatics.  7:52: Deep dive: farming practices and the importance of winemaking traditions 9:55: Wine as an agricultural product, and my appreciation for farmers 10:56: What's ahead on wine week! Upcoming episodes include how to do an at-home tasting exercise, Austrian wine, Swiss wine, orange wine, Madiera wine, and wine from Burgenland.  You can always find Bri Books on Spotify and Apple Podcasts, and at bribookspod.com.

Lucas Bruder is the CEO of Jito Labs and a founding contributor of the Jito Network, a suite of Solana-based protocols that enhance network efficiency and support high-performance DeFi infrastructure. A Carnegie Mellon-educated electrical engineer, Lucas brings deep expertise in high-performance distributed systems and firmware development. Prior to Jito Labs, he served as Technical Lead at Built Robotics, where he led teams developing autonomous construction equipment, and specialized in LiDAR firmware at Ouster. Lucas combines hands-on embedded systems expertise with a proven ability to tackle ambitious technical challenges in decentralized finance. In this conversation, we discuss:- How Jito gets yield - SOL ETF bull theory - Present day Solana ecosystem - Jito's regulatory push - BAM = new execution infrastructure on Solana - The future of Robotics - Why transparency matters in high-performance trading - ACE explained simply - The future of Jito Jito LabsX: @jito_labsWebsite: www.jito.wtfDiscord: discord.gg/jitoLucas BruderX: @buffalu__LinkedIn: Lucas Bruder---------------------------------------------------------------------------------This episode is brought to you by PrimeXBT.PrimeXBT offers a robust trading system for both beginners and professional traders that demand highly reliable market data and performance. Traders of all experience levels can easily design and customize layouts and widgets to best fit their trading style. PrimeXBT is always offering innovative products and professional trading conditions to all customers.  PrimeXBT is running an exclusive promotion for listeners of the podcast. After making your first deposit, 50% of that first deposit will be credited to your account as a bonus that can be used as additional collateral to open positions. Code: CRYPTONEWS50 This promotion is available for a month after activation. Click the link below: PrimeXBT x CRYPTONEWS50FollowApple PodcastsSpotifyAmazon MusicRSS FeedSee All

Crystal Rivers | Kingdom Mysteries | Dec 3, 2025 Step into this season by deliberately dedicating yourself, your time, and your inner life to the Lord, knowing that nothing done in the flesh can produce the fruit heaven desires. Yield fully to the Holy Spirit, who alone empowers true prayer, lifts you beyond distraction, and aligns your heart with the purposes of God. Approach Him with the awareness that small moments of surrender often become the ignition points of great spiritual acceleration—tiny sacrifices that open the way to extraordinary encounters. Let the Spirit make your heavenly seat tangible to you; as you pray, allow the truth of Zion—your place among angels, the righteous perfected, and the blood that speaks better things—to reshape how you see yourself and your authority in the Spirit. Recognize your identity as one born from above, privileged with divine access, wealth, inheritance, and nearness to God Himself. Delight in the Word of God until meditation becomes both instinctive and irresistible. Affection gives meditation its strength, so cultivate joy in Scripture by immersing yourself repeatedly until your soul erupts with hunger and revelation. Refuse spiritual superficiality—do not settle for leaves without roots. Instead, push beyond inspiration into transformation, crossing the threshold where encounter becomes explosion and the seed of God produces fruit after His kind. Plant yourself deeply in the rivers of living water, allowing the continual flow of the Spirit to renew your mind, stabilize your emotions, and empower consistent obedience. Embrace the discipline that binds the sacrifice to the altar—structure your life, guard your atmosphere, silence distractions, and create rhythms that keep your soul anchored in devotion. Offer yourself without reserve, trusting that the consuming fire of God refines, purifies, and reshapes you into His likeness. Let your worship become identity: become the sacrifice, become the offering, become the fragrance that rises continually before Him. As you do, His Spirit works within you, removing blemishes, uprooting rebellion, burning away resistance, and imprinting the realities of Christ upon your soul. Expect peace, clarity, instruction, and stirring as you dwell in His presence. Expect joy in the house of the Lord. Expect cravings for communion to rise within you like holy instincts. Stand in watchfulness and priestly responsibility, lifting intercession for believers in dangerous regions or under persecution. Call forth divine intervention, angelic deliverance, supernatural warnings, and miraculous protection. Pray that their strength is renewed, their spiritual senses sharpened, and their lives preserved by the mercy of God. Even for those who may face martyrdom, pray that their journey aligns only with the perfect will of the Lord and that heaven's purpose is upheld without fear or interruption. Stay sensitive to spiritual signals—those warnings sent repeatedly by the Spirit—not treating them lightly but responding with urgency, discernment, and readiness. Ask for ears that hear clearly, hearts that respond quickly, and minds that understand heaven's timing. Reject dullness. Reject delay. Embrace spiritual intelligence, alertness, and obedience so that the purposes of God are not hindered by distraction or slothfulness. Live every moment anchored in your heavenly identity, rooted in the Word, bound to the altar, empowered by the Spirit, and devoted to the purposes of God. Allow consecration to shape your decisions, hunger to shape your habits, revelation to shape your worldview, and worship to shape your posture. Walk as one who knows their place in Zion, who moves with authority and tenderness, who intercedes with power and compassion, and who steps boldly into every day as a living sacrifice saturated with the presence, wisdom, and fire of God. Zoom every weekday : http://www.caveadullam.org/zoom

Worldwide Markets – Episode 659 Show Notes "It's Been a Year… But Markets Loved It"

Crystal Rivers | Open Book | Dec 2, 2025 Enter this season with the understanding that you are being invited into a deliberate separation unto God—a time designed to quiet the noise of life so your spirit can become finely tuned to His voice. Fasting in this season is not an exercise in deprivation, but an alignment of appetites; it teaches your body submission, your soul humility, and your spirit sensitivity. Approach it as a joyful offering rather than a burden, remembering that joy is not optional—it is the atmosphere in which God strengthens and shapes you. As you deny yourself, cultivate thanksgiving, discipline, and expectancy, trusting that God uses these rhythms to mature you, refine your motives, and anchor you deeper in His will. Throughout this period, allow the Holy Spirit to perfect what concerns you and strengthen you in the inner man. Release the pressure of trying to feel spiritual and instead commit to consistency, knowing transformation is often hidden before it becomes visible. Invite God to raise you as a true son or daughter—not driven by emotional highs but steady in obedience, quiet confidence, and inner purity. Yield to His teaching, His correction, and His forming; open your heart to become the vessel He envisioned, a person whose spirit is awake, whose desires are reordered, whose nature resembles Christ, and whose life naturally bears fruit that remains. As you give yourself to prayer, resist the temptation to pray only about personal needs. Stand as an intercessor for the young people, children, and generations entrusted to you. Declare over them the promises of God—that His Spirit will rest upon them, His blessing will pursue them, and His mark will be upon their lives. Pray them out of confusion, rebellion, distraction, and spiritual dullness. Call them into their destinies. Speak against the assignments of the age designed to dilute their zeal, distort their identity, and afflict their minds through the constant pull of screens and culture. Fight for their souls, not with anxiety but with the authority of someone who knows God has already spoken blessing over your lineage. Declare that every child—yours and others—will be rooted, awakened, restored, and branded by God's ownership. Lift your eyes toward the immersion gathering and prepare your heart like one expecting divine visitation. Ask God to come Himself—to inhabit the atmosphere with His fire, to break chains that generations could not break, to ignite cold hearts, heal the broken, awaken the sleeping, and release spiritual gifts upon the young. Pray for holy order, supernatural discipline, and sensitivity to the Spirit, so the gathering becomes a place where distractions die, where restlessness ceases, and where the fear of the Lord rests tangibly on every heart. Ask God to send volunteers—people of integrity, humility, purity, and the Holy Spirit—to serve His purposes with sincerity and wisdom. Throughout this season, walk intentionally. Train your body in discipline, your mind in Scripture, and your spirit in obedience. Honor the fast with sincerity, not routine. Build spiritual stamina by waking to prayer, submitting your desires, controlling your habits, and strengthening your fellowship with God. Expect to break old cycles, overcome weaknesses, receive new instructions, and experience spiritual breakthroughs that shape the next chapter of your life. See yourself as one who partners with heaven—offering incense of prayer, lifting others before God, preparing the ground for revival, and standing as a watchman who refuses to be silent. Let this season become a gateway of transformation: for you, for your home, for your children, for your generation, and for every person who encounters the Presence that will be revealed. Zoom every weekday : http://www.caveadullam.org/zoom

In today's Five Question Friday (FQF) video, we look at these five topics:1. 10% yield on bonds2. Where to hold bonds3. Co-signing a mortgage4. Paying taxes on a Roth conversion5. Asset allocation of real estate investmentsBonus: Cost of long-term care calculatorResources:https://www.carescout.com/cost-of-careJoin the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

The new ‘Yield Mode' feature integrates Aave to offer non-custodial, onchain yield directly within Tangem's app. The Black Friday deal wraps up with the $10 bonus in BTC. Also, keep in mind that the deal remains valid from November 21, 2025, to December 9, 2025. ~This episode is sponsored by Tangem~Tangem 20% OFF + $10 BTC ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!GUEST: Marcos Nunes, CEO of Tangem Pay00:00 Intro00:10 Tangem Black Friday deal01:00 Users on Tangem01:20 Self-custody instant spending03:30 Tangem swap speed04:30 Launch date?05:20 When more providers like coinbase or robinhood?07:30 Buying crypto directly on Tangem Pay09:30 How will retailers see transactions?10:50 Will you need Banking license?11:30 Including RLUSD yields?12:50 What blockchains are you using for stablecoins?14:00 Why not a Tangem POS system?17:15 Tangem Pay vs bank cards19:30 Banks using stablecoins20:30 Will CLARITY Act try to kill privacy and self-custody?21:30 Are CEX Debit Cards dead?24:45 Outro#Crypto ~Black Friday Crypto Wallet Now PAYS YOU!?

Jillian Friedman, COO at Symbiotic, sat down with me at Chainlink SmartCon to discuss Symbiotic's universal staking layer solutions.Brought to you by

Ares is recognised as one of the leading global alternative investment managers, investing across credit, real estate, private equity and infrastructure. Listed on the NYSE, it has over 4,000 employees, $595billion in assets* and a substantial geographical footprint. Blair explains the high yielding Ares-managed listed vehicle, ARCC, which as a business development company (BDC) structure must distribute 90% of taxable income and averages 9% of yields*. He discusses how being a public entity gives them a “currency” which is highly valued by employees, and also how it has helped with brand recognition as its growth accelerated. We discuss European capital markets and the structural reliance on bank debt versus private credit (the inverse of arrangements in the US). He explains how it is changing, as well as the current headwinds and opportunities ahead. He discusses why over 1,400 conversations take place in Europe each year, but Ares makes less than 50 loan investments in direct lending, how they are deploying over $100 billion of dry powder firmwide, and the criteria that matter for them. He explains their focus on the middle market, their ownership of sports assets – including a $500 million preferred equity stake in Chelsea FC – and their other media and entertainment investments. Finally, Blair responds to the question around the growth of credit secondaries and continuation vehicles, assessing the motivation behind the growth, and risks associated with the wealth management sector's increasing allocation to this space.   The Money Maze Podcast is kindly sponsored by Schroders, IFM Investors, World Gold Council and LSEG.  Sign up to our Newsletter | Follow us on LinkedIn | Watch on YouTube  (*AUM as of 30/09/25, BDC distribution stats as at 04/11/25)

Stablecoin yields are returns generated by depositing stablecoins into third-party platforms or protocols, not from the stablecoins themselves. These yields, which typically range from 2% to over 15% APY, are derived from various mechanisms like lending, liquidity pools, or real-world asset (RWA) backing. ~This episode is sponsored by BTCC & Tangem~BTCC 10% Deposit Bonus! ➜ https://bit.ly/PBNBTCCTangem 20% OFF + $10 BTC ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 Intro00:08 Sponsor: BTCC00:39 The Year of Stablecoins01:08 Bank Yields Suck01:38 Be Your Own Bank01:56 Bluechip Stablecoins02:32 Free Portfolio Tracker02:50 Sponsor: Tangem Yields with Aave03:26 PYUSD on Aave03:50 RULSD on Aave04:08 RLUSD on Euler & Doppler Finance04:39 USDG on Solana05:04 PYUSD on Kamino05:29 USDC on Sui & Kai Finance Vault05:59 Slush Wallet Vault Monitoring06:28 USDF on Flow & More Markets06:58 USDF on KittyPunch07:50 Avant on Avalanche08:11 Yield Yak Intelligent USD08:33 Farm $SONEX on Soneium09:04 Farm $KAT on Katana09:55 Virtuals & A.I. Agents11:38 Yield Guide Rule List13:36 Wait For Ripple & Crypto Banks?14:14 outro#Crypto #Stalecoin #XRP~Stablecoin Yields Strategy Guide

Labor market reports released after the government shutdown present a mixed picture for the Federal Reserve's interest rate decision on December 10.On a positive note, the Bureau of Labor Statistics reported 119,000 new jobs were added in September on a seasonally adjusted basis, more than double what many economists expected, but there was a downward revision of 33,000 jobs combined for July and August.The unemployment rate was 4.4% in September. It remained low by historical standards, but it was higher than any period since late-2017 other than 2020-2021 which was impacted by the pandemic.Another good sign is that initial unemployment insurance claims remained at a normal level through the week ending November 15 despite announcements of layoffs from several prominent companies.Unfortunately, continued claims for unemployment were up by approximately 100,000 from the prior year. As of November 8, the weekly level reached almost 2 million and it was the highest since 2021. The trend suggests those losing their job are having a harder time finding their next role.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website

Omnia is the CoFounder of Kinetiq.In this new episode of Yield Talks on The Edge Podcast, we dive into an overview of HIP-3 markets, Kinetiq's token launch tomorrow, and what a Hyperliquid builder might speculate on happening next, following the upcoming one year anniversary of the HYPE airdrop.------

Nothing has caused more loss of principal in Real Estate than too much debt. Leverage works great in an upward trending market, but it cuts the other way in a downturn.  Joel Friedland, Principal of BRIT properties, has been buying infill industrial properties with all cash since learning the hard way during the 2008-09 financial crises. Joel and his investors are seeking conservative investments with the primary goal of capital preservation. He buys highly sought-after properties that appeal to both owner-users and tenants. Joel specializes in industrial properties in Chicago that deliver 7% unleveraged returns.

We are back in Grace, Idaho, talking with fifth-generation farmer, Ryan Christensen, about the importance of return on investment (ROI) and yield.   Ryan shares what ROI actually means, why it's important, and why he farms for a greater ROI over a greater yield (hint: it's all about profitability).   Tune in to hear how Ryan has improved and increased the ROI of his operation, from implementing conservation tillage to testing out new methods of fertilization. Plus, he shares how he evaluates his ROI using real-time data and on-farm technology.   Looking for the latest in crop nutrition research? Visit nutrien-ekonomics.com   Subscribe to our YouTube channel: https://www.youtube.com/@NutrieneKonomics

We are back in Grace, Idaho, talking with fifth-generation farmer, Ryan Christensen, about the importance of return on investment (ROI) and yield. Ryan shares what ROI actually means, why it's important, and why he farms for a greater ROI over a greater yield (hint: it's all about profitability). Tune in to hear how Ryan has improved and increased the ROI of his operation, from implementing conservation tillage to testing out new methods of fertilization. Plus, he shares how he evaluates his ROI using real-time data and on-farm technology. Looking for the latest in crop nutrition research? Visit nutrien-ekonomics.com Subscribe to our YouTube channel: https://www.youtube.com/@NutrieneKonomics

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Krista Lynch, Senior Vice President, ETF Capital Markets at Grayscale to discuss: the crypto ETF landscape, how staking works, what's coming next in this space and much more. Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Special Patreon Release: Janelle Rupp Conversations with your Teen About Sex Puberty and Identity   *DISCLAIMER* This episode contains adult themes and is not intended for little ears.   "Walk with the wise and become wise, for a companion of fools suffers harm." Proverbs 13:20 (NIV)   *Transcript Below*   Questions We Discuss: Perhaps one of the most asked questions by Christian singles is, "How far is too far?" How do you respond to that question? Knowing the importance of educating ourselves as adults, what is the most popular sexual behavior among teens? What are some wise and age-appropriate guidelines recommend for teaching our kids about sex and sexuality?   Janelle Rupp is a Christ-follower, wife & mom of three (in that order).  Upon graduating from Cedarville University with a Bachelor's of Science in Nursing and a Minor in Biblical Studies, she worked nine years as a Pediatric ICU nurse before transitioning into nine years of nursing education for the Empower Life Center of Peoria, Illinois. There she specialized in Sexual Health with an emphasis on Sexual-Risk Avoidance. After moving to the Atlanta, Georgia area, Janelle developed a Biblically-based, Christian & Home school curriculum entitled “Remember Whose You Are: Rooting Human Sexuality in Gospel Identity." Using an expositional study of Genesis 1-3 alongside evidence-based scientific research, the four-unit program builds on itself to establish how gospel identity determines holy & healthy & holy sexuality. With a passion for both science & Scripture, Janelle is currently teaching the curriculum at North Cobb Christian School while watching the Lord grow the program at schools nation-wide.  She can be reached at jrupp.rememberwhoseyouare@gmail.com.   Recommended website for Parents: axis.org   Thank you to our sponsor: Daisy Kings Use code SAVVY to Save!   Connect with The Savvy Sauce on Facebook, Instagram or Our Website   Gospel Scripture: (all NIV) Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”   Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”   Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”   Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”   John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”   Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   *Transcript*   Music: (0:00 – 0:09)   Laura Dugger: (0:09 - 1:31) Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here. Today's message is not intended for little ears.   We'll be discussing some adult themes, and I want you to be aware before you listen to this message.   Thank you to Daisy King's, a skincare brand that meets simplicity. Their tallow-based products are made with wholesome, God-given ingredients to deeply nourish, restore, and protect your skin.   There are no toxins, no fillers, just pure, effective skincare. Visit DaisyKings.com to nourish, restore, and glow.   Janelle Rupp is my guest today, and she packed so much knowledge and inspiration into this time by educating us on a healthy view of sex, sharing God's holy and awe-inspiring design of our bodies, and ways that all of this points to Him.   She also is going to include meaningful conversations to have with our children throughout the years that they're in our home. Here's our chat. Welcome to The Savvy Sauce, Janelle.   Janelle Rupp: (1:32 - 1:35) Thanks so much, Laura. I'm so glad to be with you today.   Laura Dugger: (1:35 - 1:42) Will you just get us started by telling us a little bit about your faith journey and where it's brought you to today?   Janelle Rupp: (1:43 - 4:51) Sure. I was raised in a Christian home. I remember from a young age actually being struck with the realization that God loved me so much that He sent His own son for me.   But it really was probably more in my teenage years that I realized the depth of my sin, that it was great, and that Jesus was that bridge between who God was and who I was. Also, early on in my life, I knew I wanted to be a nurse, which is actually kind of interesting because there was no one in my family who was a nurse or in healthcare. But I had watched my mom care well for others in her family who had a myriad of mental and physical health problems.   So, I do think that the compassion that God put in my heart at a young age did find its place in a healthcare setting just over time and experiences I watched her. I really felt like my dream job would be to work in preventative healthcare, specifically with teenagers. And I had a heart for girls in really tough situations like teenage pregnancy.   It's a very marginalized group of humanity. And so, after college, I ended up in the pediatric intensive care unit at Riley Children's Hospital in Indianapolis for about seven years. And during that time, I met my husband.   We got married. We had our first child. And then while pregnant with our second, we decided to move closer to my extended family back in Illinois.   And a few years after I had our second child, I actually ended up landing that dream job that I felt like the Lord had laid on my heart way back in college. And so, I started the Empower Life Center in Peoria, Illinois in 2008. And I worked there for nearly 10 years as a nurse educator, teaching parenting and newborn classes.   But my primary role was a sexual risk avoidance educator, specializing in sexually transmitted disease and infections. And I would teach in public schools and private schools and charter schools. It's a junior high and high school level and also a guest lecturer at Bradley University in Peoria, Illinois.   And I always tell people that no one grows up and hopes to be a sex teacher one day. I did not envision that God would put me in that area of education, but he did. And so, after 10 years of doing that, when our family then transitioned down to Atlanta, Georgia for a job transfer for my husband, we had chosen to put our kids, now three kids at that point, in Christian education.   And within months, the middle school principal had heard about my background and approached me to create a curriculum for their fifth through eighth graders that was centered on a biblical view of sex and sexuality. So, I spent a series of months developing that curriculum. I then decided to go ahead and accept a teaching job to teach that curriculum.   And it's entitled Remember Whose You Are. And it's designed as a four unit developmentally appropriate program for Christian schools or homeschool environments. And currently we're in the beginning stages of equipping and training other schools to implement it at their school as well.   Laura Dugger: (4:52 - 5:17) Wow, that is so interesting to hear how you got interested in teaching others this healthy view of God and sex. And at the foundation of your teaching, you begin with a theology of God. So, I'd love to zero in on just one of your points that God is a relational God.   Will you elaborate on that and share how it ties into this topic we're discussing today?   Janelle Rupp: (5:18 - 7:13) For sure. One of my goals in teaching this is just to help my students see God for who he is, fall in love with who he is. And God being relational is one of the places where I always notice that beginning to take shape.   I find evidence for that in Genesis 1:26, where it says, “and God said, let us make man in our image after our likeness.” The definition of the word relational means a desire to pursue relationship or connection with another. And before we think of God pursuing relationship with us, it's actually really critical to look at that verse and note that God is already relational within himself. So, we see evidence in that verse that he's referring to himself in a plural sense.   And when we take that alongside other areas of Scripture as well, we see God existing as Trinity, Father, Son and Spirit, three in one, indicating that God does not need humanity for relationship. He only desires humanity for relationship. And one day, actually, when I was teaching that to a group of fifth grade boys last year, I said, God does not need you, but he wants you.   One of the fifth grade boys, in all complete sincerity, said, “Aww.” And it was one of the sweetest things I had ever heard because it was this very honest verbal expression of what it felt like to know that we are wanted by the God of the universe. I tell my students, “You know, someone only wants relationship with you when they love you.”   And so, while 1 John 4:8 tells us, “that God is love.” It's pretty amazing that way back in the first chapter of Genesis, as we find God creating man and creating woman, He's still incredibly loving that He even desired to create it in the first place. So, I think God being relational is such an important aspect to the who and the why of who He is.   Laura Dugger: (7:14 - 7:28) Absolutely. And I really envision this chat being a time when parents can listen alongside their teen or their tween or whenever it's age appropriate. So, will you just give us a glimpse of what you do teach in schools?   Janelle Rupp: (7:29 - 13:04) I would be happy too. The very first unit is just the who and the why of God. We focus on 10 characteristics of God, and then we transition to the who and the why of humanity.   What do all humans have in common? And we highlight eight characteristics that we all share in common. And then unit two, it's centered on the who and the why of me.   And specifically looking at Genesis 1:27, identity means that we're made in the image of God and that we are made male and female. So, Genesis 1:27 says, “So God made man in his own image, in the image of God, he made them male and female, he created them.” So, here we really want to introduce what does it mean to be made in the image of God as a social being, emotional being, a spiritual being, an intellectual being?   But also, what does it mean to be made with this physical body, male or female? And so, we introduced the reproductive system with an emphasis on puberty and human growth and development. And within that introduction, in that unit, I do something that's historically not been done in Christian settings, which is that I am teaching both the male and the female reproductive system to both genders.   And this next sentence may sound a little odd to some of your listeners. I know my students sometimes giggle when I say it, but I see the glory of God when I study the anatomy of both the male and the female reproductive systems and the intricacies of the design in order to see how they both work perfectly together. To me, it's awe-inspiring.   And so, I believe females have every right to see and begin to grasp the design of a male reproductive system. We use really basic anatomical diagrams for that. And then males equally have every right to see and begin to understand the basics of the female reproductive system using a diagram.   And my approach to that is clinical and scientific. It's definitely from an anatomy perspective. But I also make sure to take the time to point out some of, again, the beauty of the design.   For example, females, when they are born, are born with all the eggs that they will ever, ever have in their ovaries. And this design is super perfect because it means that you and I are not going to be 70 years old and find out that we're unexpectedly pregnant. Eventually, those eggs will run out about in our mid-40s.   And I always thank God for that design. It is a good design. Another one is just the female cervix.   The female cervix doesn't reach full maturity and protection until our early to mid-20s, where it then provides this wonderful protective barrier between the external and internal anatomy of the female reproductive system. When you explain things like that, I literally watch the kids have what I call light bulb moments, where they begin to see the why behind the design. And it's so important.   They've never taken the time to look at that and to hear it. In fact, I often call the reproductive system the forgotten body system. Christian kids in particular, they will get through a whole unit on the body having never talked about the reproductive system.   And if they are, then usually they're taught just about their own gender and they're missing that overarching beauty of what God designed. So, I think it's really important to highlight that reproductive system and for both genders. But in Unit 3, we move from the foundation of just gospel identity as made in His image and male and female into then specifically human sexuality.   And we use mostly Genesis 2 as we look through this about how God designed marriage and God designed sex, which is super clear in Genesis 2:24 and says, “Therefore, a man shall leave his father and mother and take hold of his wife and they will become one flesh.” And so, God's design for marriage and sex is clear that it's between a man and a woman. And also that that man and woman should follow the order of this verse.   First, that they leave and leaving might be dating. It might be courting. It might be pursuing a relationship.   However, we set those boundaries for our kids. And then second, that they would take hold and experience the intimacy and blessing of marriage, referencing that connection that God put Adam and Eve in through marriage. And third and last in that order, but that they become one flesh, which is referencing sex.   And so, after explaining that very good design, we transition into Genesis 3. And honestly, I love how Moses starts off the chapter here, Genesis 3, by saying, “Now the serpent.” And I always tell the kids that I hear that music in my head of dun, dun, dun. Like you just know that everything is going to change.   This good design is going to change and it's not changing for the better. And so, we start then looking at all the distortions that sin has caused within the overall topic of sex. And that means not just looking at premarital sex, but also adultery, pornography, sexting, gender identity, sexual identity.   And honestly, that list just keeps on growing every year that I teach. And so, then unit four, that last unit, is what I call the now what unit. In light of taking everything that we know now about gospel identity and human sexuality, I really encourage the kids to start really thinking about how they practically should be living in relationships with someone that they're attracted to and that they want to pursue.   And we use the entire Bible to help us answer that question. We actually end that unit with the question and answer panel discussion, using questions that the students have come up with through the course of that week. And it's always a sweet time of conversation focused on, again, gospel identity and human sexuality.   Laura Dugger: (13:06 - 13:19) Oh my goodness, that is so amazing and comprehensive. If parents are listening and they're wondering just about that diagram, what age do you recommend showing something like that? How would you respond to that question?   Janelle Rupp: (13:20 - 14:08) That's an excellent question. So, we're doing that in sixth grade. You know, it always depends on what your child's exposure and experience is, what their environment is, and their curiosity.   I think each child is so different. But in general, sixth grade would be age 11, 12, I think that's 10 to 12 for sure. But even you could probably push it as you're talking about puberty, which is where we interject it, just because it gives reference to what is a period for a girl?   Or what are the changes as a male that I'm having inside my body right now? Where's that coming from? So, I think starting as young as eight or nine to 10.   No later really than 12, I think would be really, really important.   Laura Dugger: (14:09 - 14:16) Thank you. That is helpful. I'm assuming that you're everybody's favorite teacher and that this is their favorite course to take.   Janelle Rupp: (14:17 - 14:48) We have a lot of fun. And I love when the kids buy into it. You know, sometimes I'll find that kids come in and they're a little hesitant to talk about this or they feel awkward by it.   But I think, you know, coming at it from both a clinical perspective, but also a biblical perspective, doing my best to keep them at ease and have fun as we have these conversations. Eventually, they loosen up over time. And it ends up being a really sweet time to talk about stuff that really, really matters in life.   Laura Dugger: (14:48 - 15:05) It does. And you're sharing so much truth. And it is the truth that sets us free.   And I can see where that would overcome so much confusion. So, let's even get really practical. When you're teaching these young people about sex, how do you define it?   Janelle Rupp: (15:06 - 19:12) This is such a great question. No one's ever actually asked me this. And I think it's so, so important.   The CDC definition of sex, it is very complete in its definition. It does a really good job covering what I believe are really important distinctives within that definition. And so, that definition is, quote, “Sex is defined as any part of your body and or specifically your reproductive area coming into contact with another person's body and or specifically their reproductive area.”   And one of the key points that I want to point out from this definition includes this phrase, reproductive area. I find my students have no reference for that, and even adults often don't. But simply put, the reproductive area is anything on the outside of the body that covers the reproductive system organs on the inside of the body.   So, this area actually extends from the belly button down to the genitals. A lot of times we only reference those genitals, but it actually extends belly button down to the genitals. And so, again, people are often surprised by that.   But at the same time, you know, whether it's called the reproductive area or maybe a private area, people do commonly recognize the importance of keeping that area safe and private. I often stick with that phrase, reproductive area, to reference the importance of trust when it comes to keeping things safe and private as a jumping off point to just help the kids see that a person is trustworthy if they keep you safe and if they keep things private. And again, such an important thing that we need to teach our children is that if someone pushes past what feels safe for us or pushes past areas on our body that are private, our children need to know, and we need to know those are not trustworthy people.   And furthermore, we should then give our children permission to tell someone that they do trust, hopefully us, but somebody that they do trust, somebody that keeps things safe and private about any person whose words or actions don't prove trustworthy. And as a side note, giving kids appropriate anatomical names is so important for this as well. But if you aren't using those terms and they don't understand it, we're speaking a language that they can't understand and maybe aren't able to convey.   And so, I think additionally, as children get older and you continue to reference that reproductive area as an area you keep private, I think it's super important to keep going back to theology and to Scripture. And in Genesis 1 and 2, we don't see anything having to be kept private because there was nothing that needed to be private. And in fact, the end of Genesis 2 says in verse 25, “And the man and his wife were both naked and were not ashamed.” My students giggle when we get to that verse because that sounds so foreign to them.   But reminding them that again, God's design was so good that there was nothing to be held back. They were fully intimately known by God and fully intimately known by each other and also without sin. But then when sin enters in Genesis 3, as Eve is tempted and enticed by the serpent, Adam is tempted, and enticed by Eve.   We see in that instant that sin changes every single thing because it causes Adam and Eve to then feel ashamed before God. They want to hide from God. It causes them to feel ashamed between each other.   They want to blame each other and it causes them to lose their sense of identity and purpose. And this is what happens to us, too, when sex and sin become entwined. It causes shame.   It causes us to hide. It makes us want to blame others. It causes us to question our identity and question our purpose.   But even though sexual sin changes the heart of man, it does not change the heart of God. And so, if our heart's desire is to love God in return for the love He's shown us, then our heart's desire should be to orient our lives around His design for our lives. And I would say even especially orienting our lives around His design for marriage and sex.   Laura Dugger: (19:13 - 19:23) Perhaps one of the most asked questions by Christian Singles is, How far is too far? So, how do you respond to that question?   Janelle Rupp: (19:24 - 25:50) Yes, I mean, this is the question that inevitably somebody's going to ask in my classes every single year. And no doubt, I mean, I think everyone has asked that question at some point or another in their lives. I certainly did.   And I was told that that was the wrong question. And I want to explain why first and then tell you how I answer it. But the reason was because when we look at Scripture in terms of holiness, which is having our heart completely for God versus idolatry, which means having our heart turned to something else, we see over and over and over in Scripture that we can't serve two masters.   We can't serve both holiness and idolatry. Matthew 6:24 is a great example. It's talking about the idolatry of money.   But it does say that whenever our heart is going after two things, we will either end up being devoted to the one and hate the other or devoted to the other and thus hate the one. And so, in other words, as we apply it to this question, we actually can't just straddle the line of both holiness and idolatry. And a lot of times that's where this heart of motivation of how far is too far is like, what line is the line that I can get to and still be holy?   But we really can't try to find and live on that line, because healthy and holy sexuality and sexual immorality doesn't exist. It is one or it is the other. And so, that's an important truth of Scripture.   I'm always in complete agreement with everything that I just said. But I also recognize that the Bible is really, really clear on how to give us direction in terms of setting boundaries and learning how to escape and endure temptation rather than to be enticed by it. And so, I teach my students a method to answer this question using an acronym called GRAY, G-R-A-Y, just to help them think biblically and critically about this question.   And actually it can be applied to any what I call the gray areas of life where Scripture may not specifically be very black and white about what we can and can't do. For example, another easy gray area topic within this same kind of umbrella idea would be dating. We aren't specifically told if we're to encourage our kids towards dating or courting or maybe arrange marriages.   Right. And yet I believe that there's four specific steps that we can use to determine the heart of God for our lives when it comes to gray areas of life. And so, the G in gray stands for go to God and it refers to prayer.   James 1:5 encourages believers to ask God for wisdom. It says, “He will give it generously to anyone who asks.” And I think praying for wisdom is such a foundational place to start on any topic, but specifically this one.   And then the R in the acronym stands for read the word. I always encourage my students and I would encourage parents as well, actively study the word of God, finding verses that give direction for decision making on this question. How far is too far?   One that I think jumped out at me is First Corinthians 10:23. As it's again, speaking of idolatry of the heart and it says, “all things are lawful, but not all things are helpful. All things are lawful. I can do all things, but not all things are building up. And so, let no one seek his own good, but the good of his neighbor.”   So, when you apply that verse to this question of how far is too far, you begin to see that the question isn't so much is kissing OK, is anything done with our clothes on OK? But the question is more what behavior is helpful for me as I try to honor Christ with my body? What behavior builds up my desire to honor Christ with my life and or what behavior seeks to honor the person that I'm with?   And so, again, I think reading scripture can help us be able to know how to reframe that question and create boundaries. And then the A in gray stands for ask for advice. And here I encourage teens to seek out someone who is doing relationships well.   In other words, is there a couple that they admire, someone older than them that they admire, maybe a friend or sibling or a friend of a sibling, a teacher, a parent, a youth group leader? I found in my own life that God often gives wisdom through people like that. And actually, in the last 10 years, as I've been teaching this type of material, I found that asking couples that I respect this very same question.   How did you answer? How far is too far? It brings some of the best responses and encouragement that then I can share with my students to help them learn and grow.   So, I think asking for advice is a vital part of this. And then lastly, the Y stands for yield. It is the last step.   And yet it's such an important part of answering this question. Yield just simply means to wait. And you and I both know this generation does not like to wait.   Instinct gratification is their thing. And yet teaching them that there's so much value in yielding when we don't have clear answers to critical questions like this. So, I actually love to literally walk this out in front of the classroom.   I will demonstrate how, when I yield, I hold back on decisions such as how far is too far. I am always allowing myself room to continue to walk forward as I feel more certainty over the answer or I feel more led with the wisdom that God is continuing to give. However, if I walk forward without clarity, if I'm pushing boundaries that are perhaps lawful, I can.   But they're not to my benefit, not to my partner's benefit. Then it's very realistic that I am going to push farther than I am able to handle. It's going to bring harm to the relationship that I am in.   And I can't ever go back. The truth is that the line between being enticed by sin versus escaping and enduring the temptation to turn from sin. It's a thin line.   And so, helping teenagers with these four steps, I think just think more critically about where to set those boundaries is important. And then I do usually go on to encourage students to be really specific in writing out those boundaries. I'm a big fan that writing is remembering.   It stores in our long-term memory. And then to even share those boundaries in order to have accountability with them.   Laura Dugger: (25:51 - 27:47) And now a brief message from our sponsor. I would like to specifically address the ladies. Because let's talk skin care.   As moms, as women, we spend so much time caring for everyone else. But what about us? If you're tired of dull or dry skin and products filled with chemicals and fillers, it is time for something better.   God designed our skin to thrive with real nourishing ingredients. 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But I think this is really helpful having you share statistics.   So, what are some statistics you think we need to be aware of to educate us on sexuality and youth in America right now?   Janelle Rupp: (27:49 - 29:55) Yes, you know, this is constantly changing. And so, I do look for these on the regular. And so, the ones I'm currently kind of using as I educate this year, the average age of first pornography exposure is currently 11 years old.   And 1 out of every 10 visitors to porn sites are actually under the age of 10. And 22% of those are regular visitors to those sites. It's not that they're just there once.   They're regular visitors. When you talk about that next age group, 11 to 17-year-olds, 53% of them are accessing pornography. In addition, 1 out of every 14 are receiving sexually explicit material through social media, through texting.   And 1 out of every 17 are sending it, which is an interesting thing. I always tell my students that means that as people are receiving it, they're sending it to more than one person. And so, you know, somehow we could think that it's a conversation maybe staying between two people.   And almost in every case, that is not the reality. 41% of teens are engaging in sexual behavior and oral sex and vaginal sex and anal sex and what I call outer course. Every 11 minutes, CPS finds evidence of sexual abuse claims.   And 2 out of every 3 of those are age 12 to 17 years old. And then lastly, and this is kind of newer from a research study that is an important one, but identifying as LGBTQ+, has actually risen in teens on average by 4% in the last 5 years. Girls being higher than boys.   Girls averaging about 5% increase and boys at 3%. And I think, you know, you give those 9 quick statistics, and I'll be honest, you know, even every time I have to say them, I get that sinking feeling in my stomach. It takes a lot to shock me after 10 years of working with teens on this topic.   But it never feels good to say those out loud. I think it just reflects such brokenness on behalf of our culture's view of sex and sexuality.   Laura Dugger: (29:57 - 30:09) Wow, that is sobering. And if that reality feels alarming or overwhelming to a parent listening, then how would you advise them to educate their son or daughter?   Janelle Rupp: (30:10 - 33:09) Yeah, I think the scariest thing is when we allow those feelings that we're having to really just cripple us and our ability to parent our children through them. I had a mom come up last year, and she said, I'm just really exhausted by it all. I'm tired of checking up on my kid.   And, you know, as a mom of teenagers, I hear that. I resonate with that. But I think we need to fight through those feelings and encourage each other to fight through those feelings in order to parent with intention and godliness when it comes to these subjects.   I developed this Remember Who's You Are curriculum for students, but I 100% believe that parents are to be the first go-to for our kids on these topics, whether they feel like they have all the answers or not. It's really not the role of the school, nor of the church, nor of the youth pastor. It is primarily and foundationally the role of parents, with ideally then the school and the church, you know, locking arms with parents, coming alongside with a similar message.   And so, when it comes to equipping parents, which is something I feel strongly about as well, in order to have these ongoing conversations, I break down educating parents with three regular statements to help them kind of combat those feelings of overwhelmed or anxiousness when it comes to these topics. And the first regular statement would be to regularly educate yourself. We can't teach what we don't know.   And so, parents need to have answers to questions, and I'm going to give a series of questions here that I think need to be answered as examples, but there's certainly more. But questions like, what is God's design? Again, what is the reproductive area?   What does sexting mean? What does sending nudes mean? Because that's becoming actually a more popular phrase right now than using the phrase sexting.   Why is not porn good for our brains if it actually keeps us from not having sex outside of God's design? That's a question I've been asked. And a follow-up to that, what does the Bible say about masturbation?   How does a condom work? I've been asked that one. What is the most popular sexual behavior among teens?   Those are some toughies. You don't just kind of like pop out an answer to that without dedicating some time to researching those answers. I don't think that this needs to be an overwhelming amount of time.   In fact, I actually just encourage parents to set aside 15 to 20 minutes once a week, maybe even once every other week, but just put it on the calendar so that you really devote yourself to that time. You know, I think we dedicate ourselves as parents to things we care about. And I don't mean to say this harshly, but many moms spend much more time exercising than they do in their Bibles and figuring out answers to these questions and apologetic type answers.   And parents, you know, we spend a lot of time talking to our kids about sports and grades. And yet these are topics that have lasting relational impacts for their lives, not just in our family, but in their family to come. And so, we have to be diligent to set aside time and regularly educate ourselves.   Laura Dugger: (33:09 - 33:38) Janelle, I love all of this that you're saying. And I just want to pause on this first step of educating ourselves as the adults and as the parents. So, listening to something like this, hopefully people feel encouraged already doing a great job educating yourself.   And so, let's just answer a couple of those questions because it can be hard to know where do I go to find out these answers. I'm careful to Google this because something may pop up that I don't want to see.   Janelle Rupp: (33:38 - 33:38) Right.   Laura Dugger: (33:38 - 33:46) So, let's go with two of them. One of them you said is what is the most popular sexual behavior among teens right now?   Janelle Rupp: (33:47 - 34:46) Yeah, I think that this one is a little bit shocking for parents. And they often are unaware of where their teens are at as they are pushing boundaries on sexual behavior. You know, when I was growing up, oral sex became, and that's mouth to genitals, but that became a really popular sexual behavior.   And I remember hearing people say, well, that makes me feel a virgin because I now have not had vaginal sex. And so, again, just continuing to push these boundaries. So, now today's teenagers are past oral sex.   That's become just something that's normal and acceptable. And the most popular sexual behavior right now that you'll actually they will talk about and do would be anal sex right now, which is the anal area, which is obviously I always point this out, not actually the reproductive system, but in fact, the expiratory or the end of the digestive system. But that is the most popular sexual behavior among teens currently.   Laura Dugger: (34:47 - 35:14) That is really helpful to hear. And even years ago, when I was practicing as a marriage and family therapist, something that we learned was that the rise in pornography exposure was also corresponding or correlating with this rise in pressure for women to engage in anal sex. And that was a lot of times where it was coming from.   I'm assuming very similar with teens.   Janelle Rupp: (35:15 - 35:59) Yes, absolutely. And as our culture continues to kind of push the envelope on trying to get teenagers and adults to accept pornography is a natural part of human sexuality. I think we will just continue to see that behavior pushed more and more and more just among teens and relationships in general, which is really devastating.   I think of so many of these behaviors that are very degrading, particularly to women, but even to men. And again, that women, that girls would be thinking that that is considered an acceptable part of a relationship is such a tragedy, really. And again, just so reflective of the brokenness of our culture.   Laura Dugger: (36:00 - 36:19) And you bring up another question I want to follow up with, Ben, because porn is so destructive for a lifetime. But how do you answer that question if parents want to educate themselves of somebody making an argument of why not pornography if it keeps them from engaging in penetrative sex?   Janelle Rupp: (36:20 - 38:18) Yeah, so, there's some excellent websites that you can find that talk about the damaging effects of pornography. And I found, you know, good resources. Anyone's welcome to email me.   I'll include that later. But to get some of those resources. But it really does change and alter, actually, the connections that are created in the brain.   And one of the, I think, more interesting studies on pornography in the brain, as they looked at men who were watching and engaging in pornography, it would continually light up an area of the brain and stimulate it, which is an area of the brain that is usually lit and stimulated when a man would use power tools. And that's concerning on, I think, a couple of levels. One, that is degrading.   And again, this human made in the image of God to something that is to be just used. Right. And then second, anytime we engage in pornography, we are we're engaging more with a screen than a person.   And so, that intimacy level, that is something that's so precious about sex. You know, sex isn't just for making babies. It isn't just for this intimate connection.   It isn't just for pleasure. But it is to be wholly represented, all three of those when we look at God's design. But when we engage with pornography, we're completely reducing it down to one person's pleasure, one person's use.   And so, again, those connections that are supposed to exist between people now exist between a person and their screen. And you'll see across the board, these are people who easily get addicted. It's meant to be addicted, experience increased levels of depression, anxiety, suicide.   Grades go down for teenagers. They lose friends. So much research showing the devastating impact of pornography.   Laura Dugger: (38:19 - 38:32) That is really helpful. Thank you for sharing that. And back to that greater question. So, when you're advising parents to educate themselves, that's the first step. What's the next step in the process?   Janelle Rupp: (38:33 - 41:29) So, the second step that I recommend is to regularly to enter in. We aren't called to be our kids' best friends. We're called to step into their lives.   And that means stepping into friendships and relationships. It actually means stepping into their phone. You know, the amount of parents that tell me, I feel really bad because it's their phone.   And yet it's something that the parent is paying for, right? And so, that is a part of our lives, too. Theirs and ours.   But stepping into social media pages, their schools, their activities. And I think we don't have to be creepy about it. And that's what I think parents most, they're like, I don't want to creep my kid out or make them pull away.   I just think we have to be really intentional beforehand that we're developing this relationship of trust and communication. So, Josh McDowell has said rules without relationship equal rebellion. And so, the flip side of that is that when I have rules where I'm entering in and I have relationships where I'm entering in, that will equal trust.   And so, we need to keep entering in because we want to keep earning their trust. It goes both ways. We want that trust and communication.   So, entering in out of a desire for relationship, but also entering in with boundaries and rules for our kids in order to continue to build that trust between us. And then the third regularly statement is to regularly extend grace to yourself. Guilt and shame cannot go away without grace.   And a lot of us live with guilt and shame when it comes to these subjects. I often hear that that's one of the key reasons that parents will hesitate to talk to their child. They'll say to me, I don't want them to ask me about what I did.   And the only remedy for shame is grace. It's why God's plan to extend grace in sending Jesus. It's the best plan for our world because we're literally drowning in guilt and shame over these subjects.   And so, as parents, we first have to learn and work through accepting grace for ourselves. But for the purpose of extending it to others, it's very, very hard to extend grace when we haven't accepted it ourselves. And so, I think it starts with us.   And then again, it extends out to our kids. My husband and I were working through something that was happening with our teenagers this year. And I thought it was so profound.   As he said this statement, by God's grace, our kids will never get caught up in it. But it's also that same grace that will provide a way for our kids to get out of it. And so, we need to remember God's grace is greater than all of our sins.   And we can rest in that even if we don't do everything perfectly as a parent. Even if we forget to answer one of the questions. Even if our kids choose a path that is different than what we had taught them.   God's grace is greater than all of our sins.   Laura Dugger: (41:30 - 43:53) And I don't think we can hear that enough. So, thank you for that reminder.   Did you know that we are now accepting donations online through Venmo?   It's just one of our additional ways that you can give to support the work of the Savvy Sauce Charities and keep us on the air where we can keep providing this content for free. We pray that you'll consider partnering with us and generously donating before your end. Thanks for your support.   Well, Janelle, I think that you're so wise to teach parents that there's obviously no formula, and that's why it's so vitally important to keep in step with the spirit as we have these conversations with our children. But also, I'm sure that you've learned some wise and age-appropriate guidelines for teaching our kids about sex and sexuality.   So, will you share those with us for the different age ranges?   Janelle Rupp: (43:55 - 50:10) Yes, I think you're exactly right. There isn't a set formula because, again, as I mentioned before, every kid is different. Every experience and exposure is different.   But there are some general guidelines in order to, again, have these regular conversations with our kids. So, beginning ages kind of three to seven, I think focusing on what it means to be made in God's image, what it means to have a male part versus female part, how that kind of defines each gender. And understanding also what is private and safe within that is important.   So, one of the things that I did with my kids is very early on, as we were bathing in those ages, we would say, Thank you, God, for our fingers and our noses, and thank you, God, for our toes, and say, Thank you, God, for a penis because you're a boy, and thank you, God, for a vagina because you're a girl, and thank you for parts that we can't see inside of us. And I would name some of those parts as well, because I think it just helps them start recognizing, again, the beauty of what it means to be created by God. And also highlighting safe pictures and unsafe pictures, safe touch and unsafe touch, and stuff that I touched on before.   I think that's important as well. But then I personally believe this is one of the best ages to begin forming a framework on the sanctity of human life, that all life is created by God and for God in the image of God. And therefore, all life should be treated with dignity, respect, and love, regardless of size, regardless of gender, regardless of skin color, regardless of neediness or challenges.   It's a really natural and important tie-in to the subject at this age. And then when you get into that next age, age 8 to 10, I kind of think of it a little bit like preteen. Just continuing on with that conversation but bringing up this word puberty.   And kids always look terrified when I say that word. And I always tell them, then puberty is not a scary word. And I'm sorry that you have this vision that it is.   But puberty really is just human growth and development that make us male and make us female. And so, I think teaching our kids not to be even afraid of that word. There are parts that we need to keep private.   And yes, we don't need to talk about that with everybody. But these are not wrong or bad parts. They're parts that are created by God for God.   And God is a good God. And God is a sovereign God. And so, He created it for our good with us in mind.   And so, just continuing to engage and encourage our kids on those ideas at age 10. And then 10 to 12, and some educators would say sex should be introduced by age 10. I found that based on just, again, the exposure that my kids had, we had this type of a conversation as they headed into more age 11.   I think it for sure should be talked about before age 12. But at that point, you want to make sure you're including just a framework on what biblical sex and marriage is and what it's purposed for. Again, purpose for procreation, making babies, purpose for intimacy, even purpose for pleasure.   Listen, no 10 to 12-year-old is going to understand that part yet, which is fine because you're going to revisit it later when they're kids. This is a regular thing, right? But you want them to hear it from you.   You want them to hear it from you first so they understand that you are trustworthy. And so, they should be taught that sex is best seen in that context of marriage. One man, one woman that have left their father and mother, they've taken hold of each other in marriage.   And as a result, then a parent and actually ideally both parents, mom and dad, are able to help a child understand that framework and also recognize basic deviations outside of that framework. Not just that sex before marriage is outside, but also sex outside of marriage, the sexual and gender identity confusion. Anything that's falling outside of God's design for marriage and sex is a deviation from what he designed.   And then in that kind of 13 and older, recommendations that I make is always that you begin to establish a really good framework on how to have God-honoring relationships with someone of the opposite gender. I actually highly recommend Ephesians chapter 5 as you make this plan with your child. And a couple key points that it talks about within that chapter is that we treat those in the faith, those that share our common belief in Jesus Christ as brothers and sisters in Christ, in friendship and in a possible relationship, but one that has a lot of purpose and a plan in place.   But then we treat those who are not sharing our faith with love, but yet an understanding that those aren't relationships that I can pursue because I can't have an expectation that they are going to bring me closer to Christ, whereas the other should. And so, as parents within that, again, 13 and older category, you really need to start paying very much attention and entering in into those relationships that they have with their friends and their peers, because this is the second biggest impact maker on their decision-making next to you. Proverbs 13:20 says, “He who walks with the wise will be wise, but a companion of fools suffers harm.”   I really believe in parents. If you need to change up their environment in order to help them form more God-honoring relationships in step with that Ephesians 5, we should not be afraid to do so. And again, continuing to expand on those other frameworks before, because regular conversations, but you're just getting into greater detail, more fine-tuning.   And I actually think at this age, too, you're digging deep into the truth of Scripture with your child. So, you let them come alongside you as you're learning how to answer these questions so that they can continue to refine who they are in Christ and to refine how to keep accountable with the Word of God and to refine how to set boundaries and how to navigate relationships in what I call purposeful dating versus purposeless dating. And purposeful dating, really just the overarching idea there is just that in the end, if it does end, that there may be sadness, but that there is also learning that comes so that I am lessening the brokenness and damage that may come as a result as well.   Laura Dugger: (50:11 - 50:30) And I love how also in your teaching, you lay out specific guidelines that don't fit within an age category, but they're more so for children who are at cell phone age or where they have unattended internet use. So, will you share some of those guidelines with us now, too?   Janelle Rupp: (50:31 - 54:54) Yes, for sure. You know, I always say when you introduce a cell phone to your child, especially one that has internet included with that phone, it does change a little of those guidelines that I just mentioned in that you need to increase the speed and the ages or decrease the ages, technically, in which you are discussing these things. Just because you're giving them a lot of access to things that will speak an opposite message from what you would be saying.   And so, when I encourage parents to look at a couple things as they're making the decisions about when to give a cell phone, I think you're specifically looking at does your child understand what it means to be indwelled by the Holy Spirit? And are they showing evidence of the fruits of his work in their lives? In other words, do I see evidence of the Spirit in the life of my child?   And so, that means does he or she recognize self-control? They know when they have it and they know when they don't. Do they recognize how to be a peacemaker?   Do they recognize how to be loving in what they say and what they do? Do they recognize and show faithfulness, kindness, gentleness, joy, patience, all of those fruits of the Spirit? And do they recognize and show that not just in person with someone, but even behind the screen when they don't see that person face to face?   And listen, no parent is going to say, oh, yeah, 100% of the time my kid is showing evidence of the fruits of the Spirit. But if I can honestly say yes, my child is showing that he is growing in evidence of that. And then you decide this is the age for him to have a phone.   Most educators, I'll just be super clear, most educators that work with teens, they recommend an age of anywhere from 13 to 15. But when you do give that, those same adults that work with those teens will also say the following, that a device should not be allowed in a private room or a private place. There should be a family charging place.   And we are on phones when we are around other people. And then that you should also have no phone zones for us. The dinner table is one of our very most important ones so that we are learning how to, again, continue to engage in conversation with one another without our phones, which is growing the relationship building that we want to grow.   And so, we hold to those boundaries. Understanding that an all access, unmonitored pass to the Internet does break down identity. It does work against.   And there's so much evidence to this. You know, even five years ago, I was less inclined to say hard and fast rules on the use of cell phones for teens. However, more and more and more and more, we continue to see research study after research study.   There's documentaries. Now there's reports about the dangers of the unlimited, unmonitored access to screens and how it hurts our kids emotionally, intellectually, socially, spiritually and even physically. I mean, I think of less sleep.   Right. Something that I've learned over these 10 years is that no kid stumbles into pornography with the use of their phone on purpose. So, so, so many times the first time is an accident and it happens again because that Internet use is unmonitored.   And so, here's another hard truth as well. It often also happens because someone else in the house or the family may be viewing pornography and it's in that browser history or it's in the logarithm of the device they're using. And so, understanding what drives that first use, but then the ramifications of that first look.   So, even if it's an inadvertent look, the hook to pornography is so addicting. And again, we talked about the damaging effects on our brains, our emotions and our relationship. So, I just think monitoring phones and Internet access is, yes, exhausting.   I mean, I feel it. But at the same time, the risk is so great that there's no way that we can stop while they are in our home. Because the worry and the regret of, oh, I should have done X, Y, Z, I think outweighs any type of temporary exhaustion for me in my day to have to check and monitor phone use.   Laura Dugger: (54:55 - 55:21) That's such a good point. It's going to cost us energy on one side or the other. But that is a wise choice to go with the hard choice first and hopefully more of an easier or more fruitful path.   When you reflect on our conversation so far, what hope do we all have for the gospel of grace impacting us specifically as it relates to our sexuality?   Janelle Rupp: (55:23 - 58:58) When I hear that question, I really love it. I instantly think shame is a result of sin, connecting that to the grace that is shown from our Creator and our Redeemer. And all of that, again, is really on display in Genesis 3.   And so, I want to take us there as I answer that question. I tell my students shame has two definitions. There is shame as a verb to shame someone.   And then there is shame as a noun to feel shame as a result of something that we have done wrong. Shame as a verb is something we never want to do. That's not a good thing, right?   But shame as a noun is actually a God-given gift that is meant to bring us back into relationship with God. And you look at how Adam and Eve in Genesis 3. It makes me chuckle, honestly, because as they feel the shame of their sin, their next step is to create garments to cover themselves.   And their shame was so great, but they went ahead and put these fig leaves on top of their bodies, these parts that now have to be private because of shame. And I just think to myself, those fig leaves had to have been so insufficient. We do this too, though.   We come up with ways to clothe ourselves to cover up the shame that we feel. It might be past sexual sin. It might be present sexual sin.   And we try our best to hide it. We try our best to make ourselves look presentable with our covering so that people won't see our sin and see our shame. I mean, all of that is that feeling that comes from that feeling of shame as a result of sin.   But what's beautiful when we look at Genesis 3, when Adam finally comes clean about his sin and shame. And I will say, listen, he doesn't do it perfectly because God has to literally say, where are you? Knowing where he is, but like basically saying, Adam, come out, come clean, right?   But as Adam does come clean about his sin and the shame that he's feeling, right? What does God do? God covers Adam and Eve with garments that He provides and He makes from the very first shedding of blood that we see recorded in Scripture.   And I'm doing it now. I weep every single time that I talk about this part, because God knows how to deal with shame so much better than we do. He knows how to deal with our shame in a way and cover us in a way that is a once for always.   And it's Genesis 3 is just a beautiful foreshadowing of how Christ is going to be sent. And there he comes in Matthew, right? To cover shame forever.   And so, as we remember that Jesus spilled his blood on a cross and then resurrected, conquering death and sin and the grave. We also get covered by that blood so that we no longer have to hide. We no longer have to feel that shame.   And we can stand, Romans 8 says, without condemnation. “Therefore, there is no condemnation for those who are in Christ,” because Christ has covered us with garments completely and perfectly for forever. And so, our hope in this for our own sin, our past sin, any present sin, any future sin, and our hope for any sin that may rise up out of the heart of our child.   It's in the gospel that the gracious and loving covering that God gives us through Jesus is complete, making us right before God for all time.   Laura Dugger: (58:58 - 1:00:05) I love that so much, Janelle. And it makes me think of, I can't remember the research study, but they tracked people's brains when they were feeling like shame or regret or guilt. And found that sometimes people who struggle with anxious thoughts, that they have an over-functioning part of their brain where they can have those feelings of shame, sometimes when they haven't done anything shameful.   So, there's almost like a real guilt or a false guilt. And all of this conversation brings me to 2 Corinthians 7:10, where God addressed that first, because in the Bible it says, “Godly sorrow brings repentance that leads to salvation and leaves no regret, but worldly sorrow brings death.” And so, if we're going like even a level deeper to tease out that shame, sometimes we've felt that before.   Maybe, let's say, if something was done to us, and that's not the same shame that requires repentance, which is the godly sorrow. So, does that make sense?   Janelle Rupp: (1:00:05 - 1:00:28) Yes, exactly. That's exactly my point. And getting the kids to understand the difference between those shames but then seeing shame as not something that I have to push against.   Because if it is that godly shame that comes after me making a wrong choice, that is that shame to bring me closer to God in and through repentance. And again, that's a beautiful thing.   Laura Dugger: (1:00:29 - 1:00:39) It is, and it leads to freedom, which we may not think of in the moment, but that confession and bringing something to the light, that that is the best way to live.   Janelle Rupp: (1:00:39 - 1:00:40) Exactly.   Laura Dugger: (1:00:40 - 1:00:48) Are there any other important takeaways that you want parents and their children to be aware of as it applies to sex and sexuality?   Janelle Rupp: (1:00:49 - 1:02:44) Yes, you know, I think of two things here. The first being that, you know, sexual sin is really just one of many sins that Christ covers that he died for. You know, the blood of Christ covers the adulterer just as much as it covers the gossiper.   It covers the pregnant teenager and her boyfriend just as much as it covers you and I. And I think in the past, the church has overemphasized this sin and underemphasized others. But yet on the flip side, I mean, I think we really can't deny these are sins.   And even when we look at Scripture, it doesn't deny this. These are sins that carry a greater consequence and potential for enticing us towards, again, more habitual, ongoing sin in ways that just affect us deeper than other sins, which is why 1 Corinthians 6:18 says “Flee from sexual immorality.” And I'm going to pause there for just a second, because the Greek word for sexual immorality is the word pornea.   And you and I can't hear the word pornea without immediately thinking of porn. And so, I think it's fascinating that the root word for pornography is literally translated as sexual immorality. It's really an important thing.   But 1 Corinthians 6:18, again, it starts saying “Flee from sexual immorality. Every other sin a person commits is outside of the body, but the sexually immoral person sins against his own body.” And this means that sexual sin at its root is a problem of identity, which is, again, why you have to link that human sexuality with gospel identity.   Our aim cannot be for our children to make it to marriage having never had sex or never getting pregnant. To me, that's a low fruit. That is a low aim.   Our aim needs to be raising children with a gospel identity that is rooted in the creative and redemptive work of Jesus Christ and seeing the outgrowth from there.   Laura Dugger: (1:02:44 - 1:02:56) Wow. Well said. And if we boil all of this down, what is just one action step that you first recommend for anyone who finishes this message today?   Janelle Rupp: (1:02:57 - 1:04:19) Yeah, I'm going to give you a three-in-one just tying back to those three key regularly statements. One of the primary resources that I love to recommend in terms of educating ourselves is for parents to go to axis.org. That is A-X-I-S dot org, and sign up to receive their free Culture Translator weekly newsletter. And that will be sent to your email on a weekly basis for free.   And it gives a whole rundown of what's been happening in teen culture for that week. And just by simply opening up your email, you're going to start educating yourself. And they also have a host of other excellent resources and podcasts and a ton of material on their website that I would recommend.   But that's just one little step. And then for the enter in, I would recommend scheduling a date now. Put it on your calendar.   Find a time to take your child on a shopping date, an ice cream date, so that you can begin to enter into their lives and keep building that relationship with them. And then lastly, between now and that date, just open up God's Word. Reflect on the grace of God.   Let it wash over your heart. Let it wash over your mind. Get engaged with worship.   All of those will equip you well to do that hard work of entering in with your child when you meet them for that date.   Laura Dugger: (1:04:20 - 1:04:29) I've loved this chat so much. And if anybody's wondering about

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Recorded live on 11/23/25.The Oasis Church, Middletown OhioJen Tringale | https://jentringale.com---CONNECT WITH US:Website: https://bit.ly/3aNHq76Oasis Church Facebook: https://bit.ly/2WeeZuOOasis Church Instagram: https://bit.ly/2WiHqbpTim Sheets Website: https://bit.ly/2UdCHVNTim Sheets Facebook: https://bit.ly/38FCOhSTim Sheets Instagram: https://bit.ly/2THGco6

continued ...The plan requires Ukraine to yield the remaining Donbass slice and accept limits on its army size, although Ukraine is not required to formally agree. Guest: Anatol Lieven 1840

For episode 634 of the BlockHash Podcast, host Brandon Zemp is joined by Mitchell Nicholson, Core Contributor to the Sierra Protocol.Sierra Protocol is the issuer of SIERRA, a liquid yield token (LYT) that offers the best risk-adjusted yield in a freely tradeable ERC20 token on Ethereum and Avalanche. SIERRA enables holders to earn passively accrue 6-12% APY compounded daily and does not require staking or claiming, holding periods or lockups, paying hidden fees or providing KYC. SIERRA will be going live in October followed by several exciting partnerships that offer additional yield and utility. Its reserves are managed by OpenTrade, an institutional-grade market leader offering stablecoin yield products and is backed by a16z, Circle, Mercury, Notion and other leading VC firms. ⏳ Timestamps: (0:00) Introduction(1:12) Who is Mitchell Nicholson?(2:02) What is Sierra?(2:44) What are Liquid Yield Tokens?(9:56) Underlying yield sources(12:56) Regulations & Compliance(15:40) Sierra exchange listings(17:30) Liquidity for Sierra(20:13) Partnerships(25:35) Prediction Markets(30:05) Sierra Roadmap(32:50) Sierra website & socials 

CONTINUED ALSO NYC MAYORALTY Liz Peek Liz Peek discusses the "AI bubble," noting the Magnificent Seven stocks are priced to perfection amidst concerns that massive investments may not yield adequate returns, observes that although the market is "risk off"...

Liz Peek Liz Peek discusses the "AI bubble," noting the Magnificent Seven stocks are priced to perfection amidst concerns that massive investments may not yield adequate returns, observes that although the market is "risk off" the US economy seems "okay" according to data points, and expresses alarm about New York Mayor-Elect Mamdani, a socialist without management expertise who is surrounding himself with ideologues, including Hassan Sheheryar, his transition director, who is "clearly anti-Semitic" and anti-Israel, raising significant concerns for the city.E