Podcasts about your terms

Ep 204: Escape the Clock: How to Retire Early on Your Terms

Happy Thanksgiving you turkeys!  Enjoy an interview with the gin-u-wine heirs to the Blackball Ferry legacy, brought to you by Friends Of The Boaty Show. Skip to that at around 26:00, or dig in for  your dose of BS silly with an epic Old Boat Ad and Steph's stories from the largest outdoor hot tub park in North America... Spa Nordique!  Boaty Show hats are now available at www.theboatyshow.com/merch. We love you and are thankful for you, thanks for listening!    Jeff: Hi. If you enjoy the Boaty Show, you may enjoy my new audiobook. It's about AI and how we can live with it. You Teach The Machines: AI on Your Terms. Out wherever you get your audiobooks. By me, Jeff Pennington. [Music] Jeff: Welcome back listeners. I'm Jeff Pennington. I'm joined by my co-host... Steph: Stephanie Weiss. Jeff: Sipping on her coffee. It is Sunday, still morning. We, uh, we both have fires going. Mine's downstairs, Steph's is right in front of her in her living room. We're remote, and it's been a minute. We're not gonna talk about that. We're just gonna jump right back in. Right? Steph: Yeah, let's jump right in. Jeff: Jump right in. Like it's summer and we're going swimming again. Steph: Exactly. Exactly. Jeff: We have, uh, we have a show today. We're gonna do a segment on the Puget Sound ferry system—the history of. And we're gonna do, uh... what do we got? We got a "Old Boat Ad" from Jay. He was touring down in, uh, Whatchamacallit, Florida? Sarasota. He sent a picture of an alligator, which I will contend is Boaty. Steph: You want my opinion on that? Jeff: I want your opinion on that. Steph: I mean, it does... it does get from one place to the other. I don't know if they do that without getting wet, but yeah. I admit, boat adjacent. If you've seen an alligator, you wish you were in a boat. I mean, I can think of many ways that alligator is Boaty. Yes. Jeff: That was... that was excellent commentary. Thank you very much. Steph: You're welcome. Jeff: Wait, when you were down there last winter for the fundraising visit and you found that waterfront, that waterfront bar that served like drinks in buckets or something? Were there any alligators around then? Steph: Yeah. Well, yes. We were told there were alligators around, but I didn't see an alligator. But I did see lots and lots of signs about the alligators. Remember the signs? Jeff: In particular that it was alligator mating season. Steph: That's what it was! Yes. "Do not approach the mating alligator" or something super weird like that. Like... yes. That's right. Jeff: And then we did a whole... we did a whole, I mean we might have had a series of bits on alligator mating. And why you weren't supposed to go in the water when they were mating? Was it because it was gross? Because it's like, you know, it's the water that they're mating in and what's all that about? Or because you don't want like the throes of alligator mating ecstasy to like, end up with you getting like, you know, I don't know. Maybe they like bite each other in the midst of all that and you don't want to get confused... like get a body part confused. Steph: Right. Is there more traditional aggression? Right. Are they more aggressive when they're mating? These are questions. And then we had—I think we ended up really wondering whether that was a deep water thing or just a shoreline thing. Like if you're out in the middle, do you have to worry about that? Remember? We had this... this was a whole conversation. Jeff: I think... but I do think that it's ridiculous because... because like, if you see alligators whether they're mating or not, could we all just assume you don't go in the water? I just seems unnecessary, but... Jeff: And we'll count that as the only answer worth taking away because I only recall the questions we had at the time. Uh, and I don't recall any resolution of any of this. So, um, interesting though that Jay... winter-ish, maybe mating season or not. It looked like the picture was a solo... solo alligator. It was just, just an alligator. Unless maybe it was an alligator couple and you couldn't see the other alligator because that alligator was underwater? Steph: Like... that just occurred to me when you said... great minds think alike. Jeff: Yeah. Yeah, I don't know. Steph: We should ask Jay. Jeff: We should ask Jay what was going on. Steph: Or not so great minds think alike. Jeff: All right. All right. So I think we should lead off with, uh, since we're talking about Jay and his trip through Florida—he played at least one show down there, I saw a picture of a backyard concert, looked lovely. Or an outdoor concert I shouldn't say, I don't know if it was backyard or not, looked lovely. And, uh, he sent a boat ad. And since this is his favorite segment, we're gonna do it. Steph: Mmm. Do it. [Music: Old Boat Ad Jingle] Jeff: It's... I can't... It's been so long that we've done this that when we were in the middle of doing it all the time, it seemed completely normal. And now when we're like... we're like four months away from doing it regularly or whatever, and it's like holy [bleep]. What the hell is this? That was a song about old boat ad copy from Jay and that was like... like, you know, I don't know, six months ago I was like, "Well yeah, of course Jay's gonna make a song saying 'Come on Jeff read those vintage boaty advertisements, give us some of them old boat ads.'" And that was like in the midst of it, it was like "Yeah fine." And now it's like, what the [bleep] is this? Oh my god! Steph: And people want... people are like, "Hey man when are you gonna start making that show again?" 'Cause they want this nonsense! Jeff: Oh god. That makes me so happy. It's good to be weird. Steph: It's good to be weird. Jeff: Okay. All that aside, notwithstanding. Let's do it. Okay. Jay found this ad in the wild. I don't know where it was. Um, I'm looking at the picture. It looks like it's in a frame. Maybe it was in like... I'm gonna say it was in a bathroom at a bar that he was at, or a restaurant perhaps, and it was above the urinal and he saw this. It was right in front of his face. "You can't blame a guy for boasting about his new Mercury. Not only pride of possession, but downright satisfaction comes with the ownership of a new Mercury Outboard Motor. When you put a Mercury on a boat, you are completely confident of quick, easy starting and effortless 'hold the course' steering. You know that there will be instant response to every touch of the throttle. Whether you want a burst of flashing speed or just a ripple of hushed power for the slowest possible trolling. The new Mercury with 'Full Jeweled Powerhead'—bears repeating—Full Jeweled, yes like bling bling jewels, Full Jeweled Powerhead gives you greater all-around mechanical efficiency and endurance never before known in an outboard motor. Yes, with your Mercury, you'll experience that pride of possession realized only by those who own the finest." Scrolling down through the ad... that was the main copy presented next to uh, a lovely couple in a, looks like a Penn Yan outboard skiff uh, with an outboard obviously on the back. Um, she of course is reclining. He of course is driving. Um, and he's holding his hand out like, "Ah! Oh my god this is great!" Like out to the side like, "Can you believe it?" "Of course, of course this is great." Um, he doesn't look so polished, he's kind of look got... he's got some bedhead and a t-shirt on. She looks put together. Um, so he must have a great personality. Steph: [Laughs] Jeff: So scrolling down there's like more details. Um, mostly for him because there's like cutaway diagrams and whatnot. So: "The Rocket. A six horsepower precision-built alternate firing twin with sparkling power that will plane a boat beautifully. Yet throttle down for... oh, yet throttle down to a hush for continuous trolling. Another exclusive Mercury first." This is more on the Full Jeweled Powerhead. "Mercury's Full Jeweled Powerhead. Mercury engineers have developed a method of using roller bearings on wrist pins, crank pins, and crank shaft. It results in reduction of mechanical friction, new power and smoothness, readier response to the throttle, many more months of service-free operation than any outboard with conventional plain bearings." "The Comet. A smooth running 3.2 horsepower single. The ideal family outboard. Just right for your car-top boat or the average rental boat. Mercury. Own a Mercury. Matchless and outboard excellence. Kiekhaefer Corporation, Cedarburg, Wisconsin. Outboard Motors. Portable Industrial Engines." There you go. Old Boat Ad. Steph: I have a lot of questions. And an observation. Jeff: Go. Steph: I love how the masthead of this ad if you will—I don't know if that's the right word for it—but it's a... it's a bubble, it's a like a word bubble coming from the guy in the boat, right? "You can't blame a guy for boasting about his new Mercury." I love like the... I love all of the like the um... how proud you should be. Like there's a lot of like, you know, you just... you're just going to boast and it's going to be like everyone's going to be impressed with you. There's going to be "Pride of Possession." Which I think is very interesting. And then what is going on with the jewels? I don't understand the jewels and why are we talking about jewels? There's no jewels in this. Jeff: There's roller bearings. Steph: What is that? And how is it like a jewel? Is it a ruby? Jeff: Well, my guess is given that this is setting the guy up to boast, if it was made out of ruby it would have said that, right? But I can say... Steph: I agree. Jeff: I can say that I don't know whether it's jeweled or made out of a jewel or not. But uh, different... there's different kinds of bearings. I know a little bit about bearings. Not a lot. Steph: Didn't we talk about bearings once before? Jeff: I'm sure we did. I'm sure we did. Steph: I like this sentence... I like this sentence a lot. "The Mercury engineers have developed a method of using roller bearings on wrist pins, crank pins, and crank shaft." What? Jeff: Uh, I don't know what a wrist pin is. I don't know what a crank... was it a wrist pin and a crank pin? Steph: Wrist pins and crank pins. Yeah. Things I didn't know about. But I love... I also love that they're getting into this level of detail right in the ad. This is the good old days. You know what I mean? Like this is... this is the least reductive ad I've ever seen. They're really... they're just... they hit you a little bit with the ego in the top and then they get right into the deep, deep details. I think this is lovely. It was... it was lovely to listen to. Jeff: So you got... I don't know what those pins are. The crank... I don't know. Let's not talk about why you've got bearings or what they're on, but ball bearings are balls. And... Steph: [Laughs silently] Jeff: ...you're laughing silently with our... Steph: Wrist bearings are wrists? Crank pins are cranks? I don't know. Jeff: No. We're not gonna talk about that stuff. We're just gonna talk about the bearings. So you got ball bearings which are spherical, okay? And then you've got roller bearings which are like a... in my mind it's a bearing that's made of a... it looks like a rolling pin, okay? And a ball bearing can... can bear weight while moving in all directions because it's a sphere. Steph: 360. Jeff: Yup. 360 times 360, right? In any direction. And then a roller bearing can bear... bear weight while moving just in like one direction back and forth. One plane I guess. And uh, I know roller bearings because there are conical roller bearings on boat trailers in the hubs of the boat trailer. Um, because the... and they're almost like a rolling pin shape except they're flared a little bit at, you know, toward one end so it's like a slight cone shape. And that's because the axle on your boat trailer has a slight taper to it. And so the wheel spinning on those bearings on that slightly tapered axle shaft has to be slightly... has to match that taper as it spins around and around and around. Um, now, that being said, going from, you know, roller bearings to "jeweled"? That's... that's what I'm talking about right there. Yup. Steph: Full Jeweled. Yeah. I mean I don't know. I guess... you know how I feel about this stuff. I kind of love things that I don't understand and there's a lot here I don't understand. And I think this is a lovely... so we've got two en... Is the Rocket one and the Comet is the other? They have space names. Amazing. Jeff: Yeah. And this was before... this might have been early space era. Yeah. Steph: Yeah. Early space race. Jeff: It look... I like that it's like, it's just a little boat. Nothing fancy. It's just a little tin can. Steph: Yeah. Rockin' out. Or having a great time. They're all proud... proud of themselves. Jeff: They mentioned "Car Top Boats" which was a... that was a big deal in the expansion of boating into the middle class. And... yeah. So Penn Yan, the boat manufacturer, my understanding is they hit it big for the first time with car-top boats. So Penn Yan Car Toppers, you'll still see those around sometimes. And that was like what pontoon boats and jet skis are doing... they did for boating then what pontoon boats and jet skis are doing now. Which is just making it way more accessible. Steph: I hear you. Jeff: Yeah. Steph: I hear you. "There it is. Just right for your car-top boat or the average rental boat." Got it. Yeah. Jeff: Yeah. Give me... give me more opportunity to get in the water without having to be a rich guy with my own dock or a yacht or anything like that. Steph: Mm-hm. Equal opportunity boating. Jeff: E... E... E-O-B. E-O-B-B. Equal Opportunity Boating Board. Okay. Enough of that. Steph: Yes. That's a... that's a worthy goal. Jeff: All right. We're gonna move on to our... our next topic. Which, you know what? Let's... let's step back. What have you been doing lately? Steph: Mmm. That's a great question. Um... Jeff: Have you gone anywhere? Have you gone anywhere fun? Steph: I did. I went to the... I went to the Spa Nordique in... in Chelsea, Quebec. Yes. I did do that. I was... show before the show we were chatting about this. Yes. I did go there with my friend Julie, my personal historian. And we had a wonderful time. Jeff: What is the Spa Nordique? Tell us... You walk up to the Spa Nordique. What's the experience? Steph: Okay. So real... so real quick. It's like... it's not like a spa like people usually think of a spa. It's a "thermal experience." It's got this whole Nordic vibe to it. Everything's made of wood. And it's a very large... it's many acres. And it has tons of different ways to get warm and cold in water. And also not in water. So, for example, there's like ten different outdoor hot tubs scattered all over the place. And there's like fifteen different kinds of saunas. There's like a earth sauna and a barrel sauna and a Russian sauna and a whatever. There's like... And then there's um, also like steam rooms. And there's cold plunges, which is not for me, but for other people. And there's places to eat and drink. And that's it. And you put on a robe, you leave your phone and all your [bleep] behind and you just wander around in this environment for the day. It's very affordable. Like sixty bucks for the whole day, like US. And it is very beautiful and it's very calming. And very relaxing. And it's delightful. And I would recommend it to everybody. So I've been there probably four or five times. And um, it's close, you know it's like two hours away from here. It's not far. And I think it's the largest spa in North America. But it's not like busy feeling. It's very calming and relaxing. Jeff: We're gonna... we're gonna back up to the very... one of the first two... two of the first words you said which was "thermal experience." Steph: Yeah. That's what they call it. Um... yeah, I don't know. I guess you're just getting in warm water. And then you're supposed to get in cold water cause it's good for you, but like I said, that's just not for me. But um... but you know like, it's like good for you. I don't know. You're supposed to like steam yourself and then get... We were... it was like snowing when we were there. There was actually a hail storm that happened. Like a full-on hail storm um, when we were sitting in one of the hot... my favorite hot tub which is like a hot spring kind of a thing. It's up at the top. And um, they totally just started hailing. And it looks like... like accumulating in our hair. It was very exciting. Jeff: Thankfully... thankfully accumulating in your hair and not like... they were baseball sized and like braining you and knocking you out. Steph: Right. No, they were not baseball sized. Which is good news. They were small and they were accumulating and it was very snow monkey. The whole experience is like just being a snow monkey for the day. That's it. That's how... Jeff: Can you make this up? Thermal experience. Be a snow mon... have a... have a thermal expe... we're gonna have to write an ad for this. Have a thermal experience as a... be a snow monkey for the day. Steph: I don't know why that's not their tagline. For... I don't know why not. It makes no sense. Jeff: So the other thing that grabbed me about... about this is you said you leave your phone behind. Which I think is probably healthy because that means that um, people aren't like nervous about somebody taking a picture of them when they, you know, take their robe off and get in the... in the tub or whatever. But also, dude, anything that people do where they leave their phones behind... those are becoming more and more valuable experiences as people just come to the conclusion that their phone makes them sick. And I had this experience recently... did... did an um... one of my book events at uh, the Poor Sethi headquarters in Brooklyn. In Gowanus. Uh, the Gowanus neighborhood of Brooklyn. And afterward, my... my daughter Mary Jane was there uh, and it was the first time she'd come to see one of these... these talks. The book talks. And uh, she brought a few of her friends who had moved to New York after graduating... they all graduated last spring. And they were so psyched. They're like, "Oh my god. Why does it feel so... so like novel to get together in person in a room and talk about something and talk to... with each other?" Because it was a... it ended up being a really interactive session. People were going back and forth to each other. And I started to fade a bit into the background which is what I go for with these... these events. They're kind of like group therapy community workshops about, you know, AI in your life. Not so much what AI is, but like how AI merges into your life. Anyway, at Spa Nordique, it's a thermal experience minus your phone. And you're there for the day or most of the day because you want to get... you want to get as much thermal experience as you can for your sixty dollars. So that's a day without your phone. That's freaking awesome. Steph: Yeah. And when I fir... when we first started going a few years ago, it was pretty much like "Don't bring your phone in here." Like it was like a kind of a rule. Now it's like um, you're allowed to bring your phone, but most people don't. So every now and then there'll be somebody with a phone. But the other funny thing is that... that you know, it's an adjustment going... like you said, you go for the whole day because it's... it's big, there's you know places to stop in and have a bite to eat or get a beverage or whatever. So you really do stay there for a while and you do really disengage from the sense of time. And it's funny how many times you're like, you know, think of things that normally you'd be looking up to your phone but you just don't do it cause you can't. But my... but one funny... one funny thing that happened when we got there was... um... when you first walk in on the left there's this very cool like... like experience. Like it's like a... like they do a Boreal Forest experience and they like um, they like wave branches around and like whatever. So that happens at certain times. So do we really want to do it? Because afterwards you were like rub salts all over your body and then there's like a flash dance bucket that you dump on yourself... you really... you have to be... obviously you need to get involved in something like that. So we were looking at the times. And then we were like... and like Julie and I together are like we're always like a little on the spazzy side anyway. Like it's always... things are always just awkward and weird and great. And like... so we were like, "Okay. So we can come back at one at eleven? Or maybe..." And then it's in like... it's like Canadian time so it's like 1300 and 1500 and we don't know what that means. It's complicated. So it's just... it was so hard. We were like talking about it and... and then this... and we were like, "How are we gonna come back? How are we gonna know when to come back because we don't have phones?" And then um, so then a nice young man who worked at the spa went by and we asked him... The other thing is just constant like language situation going on about wheth... you know we don't speak French. Everybody else does. So you know... and they're very sweet about it. But you know you always have to navigate the fact that you're speaking English. And so we in English ask this nice young man what time it is. And he paused. And I thought maybe it was just because he had to switch into English in his brain. I don't know why. But and he looked at us. And he was like, "Well, right now it's blah blah blah o'clock," and he like explained what time it was and um, the fact that it would be this time in an hour and a half we could come back and the thing would do it again. And then he kind of like looked at us and we were like, "Okay great thank you." And we left. But then later when we came back to actually do the experience, I... we were sitting in the sauna and I looked out and there is a clock so big. Like so big. It's hu... it's huge. It's like... it's like seven feet across. And it was right behind... right behind us when we had asked the guy what time it was! And we realized that like the long pause was like, "Should I just tell them that there's a clock right there? Or should I just be really nice about this and just answer the question and not point out the clock?" Like for sure he was like... are these people being... is this wrong? Are these people... Jeff: Are they... are they messing with me? Steph: ...messing with me? And and he's... he's Canadian but he's also French Canadian so like he he also like... because if you're not French Canadian and you're Canadian the stereotype is like you're just super nice and you're just gonna be super nice and... "Oh of course I'll just tell you what time it is." If you're French Canadian you might be like, "You freaking idiot. Like... I'm glad that you're up here... I'm glad that you're up here you know spending your money even though we can't freaking stand you because you're from America, but..." Steph: It was a lot... there were a lot... yes, there were a lot of components. I love the fact that I think a little bit he was just like, it seemed like if he was like, "Dude, literally a clock right there," then it just would have felt a little less polite. So he didn't say that. And then we had to discover the clock on our own. And um, it was amazing and hilarious. So that was, again back to the time thing. Jeff: I have more soapbox about about that. Um, I'll... I'll do it... I'll do it briefly and try not to go on um, and make it annoying. But uh, when you... you treat your watch as your... as your timepiece... I'm sorry. When you treat your phone as your timepiece, and then you don't have your phone, you end up lost. And you can't conceive that there might be a giant clock on the wall. Although maybe you can conceive of it and you just because you're having a nice day with some beverages and with Julie you don't con... conceive of it. But anyway, this is why I'm always on Instagram, I'm always posting uh, these Sheffield watches. Because if you put on a watch that's just a watch on your wrist and it's not an Apple Watch like all of a sudden you've got the ability to tell time without necessarily getting hit by a bunch of distractions which an Apple Watch is gonna do to you, which pulling... pulling out your phone is gonna do to you. And I'm... I'm huge on this for my kids. I'm like, "Hey like... if you're looking at your phone to tell the time you're like, I don't know, half the time you get pulled in because you see a notification. And now you're looking at your phone more. And now you're more te..." Oh wait, I said I wasn't gonna keep going on and get on my soapbox but... Steph: No, but I hear what you're saying. And at first I was kind of like... you know, I have a thing about Apple Watches because they were like they're meant to be like they don't want to make you... to help people avoid pulling out their phone all the time. But they actually just make people look super rude because you look like you're literally just like, "Um, I don't have ti... like every single time something goes off you're like, 'Uh, is this over? Is it time...?'" You know what I mean? So um, but I hadn't thought about that cause you're right. Whenever you look at your phone, of course there's gonna be notifications and all that's gonna pull you in. And that's... it's a very good point. So yes to watches. Agreed. Jeff: Yep. And I'm gonna I'm gonna bring this all home and make it all Boaty. Ready? All right. Spa Nordique is... Spa Nordique is Boaty because in Iceland outdoor hot spring fed pools and indoor became about because the rate of death by drowning amongst Icelandic fishermen was so high because it's the freaking North Sea. And the last thing you want to do there and there aren't any lakes, right? But the last thing you want to do there is learn how to swim in the ocean. But so that meant the entire population of Iceland whose entire existence was supported by fishing... nobody knew how to swim! And it became a... a public safety, public health, community health like anti-drowning initiative to start... to create public outdoor hot springs... public outdoor hot tubs so that people could learn to swim. Uh, and they sprang up all around the country and it became like part of the culture that you go there to learn to swim but then you also go there to hang out with each other. And um, that's all so that people in Iceland can go fishing, if they go in the drink uh, survive... have a great chance of survival. Boaty. Right? Um, also the... the watch thing. If you have to pull your phone out to tell what time it is while you're out in a boat, you might drop your phone on the deck. You might drop your phone in the drink or off the dock. You also might get distracted by your phone and you're... when you're driving a boat or you're out there in a boat, you probably shouldn't be distracted because A, that means it's taking away from the enjoyment and B, because you might run into something. So... Boaty. Boom. Done. Okay. Steph: So... so learn to swim in a hot spring and buy a watch. Boom. Jeff: And have thermal experiences. Steph: Oh. Jeff: Um... Missy just texted me and called. Um... they just got hit from behind on 76. They're all okay. The cops are there now. Uh oh. Steph: Whoa. Jeff: Hold on a sec. Let me... let me communicate. Steph: Yeah yeah yeah yeah yeah. Jeff: Everybody's okay. They don't need me to call or come pick them up. All right. Good. Well how about that? Steph: Do we have to move on? Jeff: Yeah. Yeah. Steph: I have... I have a th... I have a... one of my... I'll just tell you and you can always like edit this out later if it's boring. But one of the things that's funny about it is when you're at the spa you can tell which are the hot pools and which are the cold pools because there's nobody in the cold ones, right? Um, but there was this one that Julie and I found and they had... they tell you like the temperatures and um, it was empty and we were walking around and it is... I think they said it was like 69 degrees or something like that? But there's nobody in it and it feels cold but then we realized, wait, that's like the river temperature. That's like the temperature of the river, right? In the summer. And then we got in this cold-ish thing and then it was... and that but we got used to it really quickly and it was really delightful and lovely. So we think of it as like that's like the river temperature pool and we... that's the only cold-ish pool that I get in. But it's very nice. Jeff: That... that's awesome because if the river temperature hits 69 degrees we're probably bitching about it cause it's too warm. Steph: Exactly. Exactly right. Jeff: That's awesome. All right. All right we're gonna move on. Uh, next segment. Um, we're gonna play an interview which was uh, listener submitted. So Rob uh, shared this. Some friends of his recorded an interview with the heirs, the descendants of the founder of the Black Ball Ferry Fleet in Puget Sound, Seattle. So we're gonna play that and then uh, I did a bunch of research on all this that we'll talk about after the interview. So here it is. [Interview Segment] I am standing here with the heirs of the Black Ball Line. Yeah. A couple of them. Was that heir or errors? Errors. Probably errors. Doug and Chris McMahon are standing here with you. Doug and Chris McMahon. And our great grandfather was Charles Peabody who came out west in 1885 and started the Alaska Steamship Company and then the Puget Sound Navigation. They were flying the Black Ball flag, which his family owned on the East Coast from 1803 forward. The Black Ball flag's been flying... Nice. ...and uh, his son... I have one on my travel trailer and every time I go camping we post our big full-size flag. Just... it still flies around the region. Yes. She's... she's still flying. And flies in Portland too. So... So and then the state bought it... the ferries in the 50s. And turns out they stopped making money. Started running in the red. Yeah. So. Yeah. So can you give me a brief history of why it's a Black Ball and with a white circle and red in the middle? Well so that's from the Coho. Right. And so the Coho was the last Black Ball ship that's flying. And so they licensed the flag but they added the white circle. And why did they choose that? Well because it was part of the whole ferry system. Okay. And when the Coho started, the Coho started right after... But the original Black Ball flag, which was a red flag with a black ball only, no white circle, was also researched as um, like some kind of a maritime victory award for ships. You know when they when they won a battle or did something good like cannon-neering or something, you know grenade throwing, they would be awarded the flags and they would fly the flag. So it's one of them. I don't recall exactly which one. And the original Black Ball ships that sailed from Brooklyn to uh, England and mainland Europe and back, um, had a Black Ball flag that was a swallowtail flag. So it wasn't a rectangle, it was swallowtail and a giant black ball on the main sail. And they were the first company... Rad. Like pirates. It does look like the hurricane warning flags too. People often catch us about that which is typically a square black in the center of the red. But in some regions it's a round circle just like Puget Sound Navigation's Black Ball flag. Just a couple specific places. They were the first shipping company to leave on a scheduled date. So they were... in the mid 1800s a ship would leave when it was full. Ass in seat. We're leaving at this time. That's right. And the Black Ball said "We're leaving on this date, empty or full." So they changed the industry then. Yeah. So when we were kids we used to get to ride in the wheelhouse every once in a while. Oh yeah. Or if we were with our Grandpa downtown and you'd see all these, you know, basically old men at the time in the 60s, right? On the... on the waterfront. He'd walk up to half of them because they all knew who each were. You know, they worked in shipping or the shipyards together. Yeah. Did he know Iver Haglund? Yes. They lived near one another up in West... up in West Seattle at Alki. Yeah so he absolutely knew Iver Haglund. We also have a relative who was a bank robber. So you know, they... they ran... Keep clam. Keep clam. One of his brothers... One of his brothers was a bank robber. Spent his lifetime in prison. Was on Alcatraz. That's awesome. Twice. So you know... Captains of Industry and... not. Yeah. Pioneers. Pioneers. Please introduce yourself again. My name's Doug McMahon. I'm from Portland, Oregon. And I'm Chris McMahon, Doug's brother. And where do you live? Uh, Des Moines, Washington. Right up here just across the way. Originally from Portland though. We're both from Portland. So nice to meet you. Thank you so much. [End of Interview Segment] Steph: Yeah. But that is... that is... that is very cool. And I think like the... the boat itself is really cool too, right? I remember we talked about the boat once a while ago. Jeff: Yeah. Well there's the... there's the Kalakala and then there's the Coho. The Kalakala is like this really wild uh, streamlined early streamlining Art Deco looking um... I don't know why I say Art Deco I don't really know what that means. Uh, ferry. And then um, and that's that thing's like I think it's just sitting there... maybe it already got broken up. Uh, but it was derelict for a long time. And then the Coho is still operating, which we'll get to. I'm gonna talk this through in a little bit. All right so. Steph: Okay. Jeff: Puget Sound Ferries. So Puget Sound is surrounds Seattle. It's like between Seattle and Victoria British Columbia and there's island after island after island. It's probably my second favorite watery place that I've been to um, after the St. Lawrence River because there's just so much going on. Um, I like islands and inlets and... Steph: It is beautiful. Jeff: Yep. So uh, this presented a big challenge for getting around back in the day. Uh, because if you wanted to get out to one of these islands cause there's timber out there or other resources or because you wanted to live out there, um, yeah you had to take a boat. And the shortest distance between two points on land on the quote mainland was sometimes a boat, not or by water, not necessarily over land. So uh, there were ferries that that got established. And the... there's like three big eras of ferries um, in in the Puget Sound. The first is the "Mosquito Fleet" era which was like 1850s to the 1920s. And it's when people really nailed down and commercialized the... the ferry as transportation infrastructure and the waterways are now how people get around, right? Um, and it helped develop the region. So um, like before the 1880s or so uh, it was all about steamboats. And the... the first steamships that got there cause you had to go basically either come from Asia or go around uh, the tip of South America back in the day before the Panama Canal to get to this place. So the Hudson Bay Company sent the SS Beaver in the 1830s which showed how uh, steam power... Steph: Beaver... Jeff: Yeah yeah... Steph: [Laughs] Thank god for the Canadians. All right. Jeff: The Hudson's Bay Company sent the SS Beaver like around the horn uh, even better... Steph: [Laughs] Jeff: In the 1830s. So uh, all of a sudden like you've got a steamboat that's like cruising around Puget Sound and it works out. Um, and the... the Americans, I think the Canadian... I don't know a lot about the Canadian history of the West Coast but the American history of the West Coast uh, was like, you know okay... 1849, 49ers... uh, the West like opened up in a... the West Coast opened up in a big way because of the Gold Rush. Um, but then timber became a huge deal. Probably more money made in timber than in uh, gold at that point. But the first American steamboat was the SS Fairy. Okay? Begins scheduled service in the 1850s and it linked uh, Olympia and Seattle. And roads were hammered. It was just mud, you know, nothing was paved. Uh, you definitely wanted to be on a... on a steamer. Maybe a sidewheeler like, you know, old-timey sidewheelers on the... on the Mississippi. Um, but it was really the only way that mail and your goods and s... goods and people got from town to town on the Puget Sound. So that was like early steamboats pre-1880s. And then in the 1880s uh, it really started to take off. So as the area developed, the... the something happened called the Mos... the Swarm, right? So the swarm of the Mosquito Fleet. Hundreds of small um, independent privately owned steamships pl... basically started creating a dense network and they were all competing with each other. Cause like all you needed was a boat with a steam engine and you could get going. Um, and there were some some famous boats during this time. Fleet... Mosquito Fleet boats. And this was not like, you know, so-and-so owned the Mosquito Fleet, it was just like "Hey there's a swarm of boats out there we're gonna call them and they're all small so we're gonna call them the Mosquito Fleet." Uh, and this is where the names get names get more lame. The SS Flyer, the SS Bailey Gatzert. Steph: Okay. I like SS Fairy. Direct. Jeff: Yeah. Yeah. Uh, and and then there's this huge opportunity and this dude named Charles Peabody who we heard about. We heard from his descendants uh, and we heard about the Black Ball uh, right? From his descendants just a minute ago. Charles Peabody. He shows up with this... this family history of the uh, Transatlantic Fleet where they innovated and um... this is something you're pretty psyched about which is like "Oh okay we're gonna have scheduled service instead of just waiting until we've got a full load and then we'll go. We're gonna leave at noon." Steph: Mm-hm. Yeah. Well I just think it's interesting like I... I remember we talked about this pr... I guess you said maybe with Rob a while ago. I find it fascinating the idea that you would get on a boat and then just wait for enough people to get on the boat to have to leave. That's... I could see how that would be disruptive to your day. Jeff: Yeah. Steph: Maybe hopefully those peop... they didn't have watches. But um, but they uh... but then yeah I guess I would appreciate the fact that you had some general idea of when it might leave. But I can see how the risk would be uh, you had to travel empty some so maybe you just had to... more reliable. It was a leap of faith, right? They were like, "If we make it more reliable then people will use it more." Right? Jeff: Yeah. And scheduled service for trains was probably a thing but, you know, when you've got this big boat you definitely don't want to... you don't want to go empty. And so I can see the commercial interest in like a full boat being there but also like then you're leaving out a lot of people who were like "I don't want to sit around and wait for this." Um, anyway. I don't know. Charles Peabody. Uh, so he... he's a descendant of the people that started the Black Ball Fleet way back in the early early 1800s. He shows up out there and starts buying up the swarm. Um, he creates the Puget Sound Navigation Company, PSNC, in 1898. And then just starts buying up competing Mosquito Fleet companies. Like he bought up the White Collar Line. Steph: Mmm. Jeff: Don't know why it's called White Collar Line. Um, going to guess it was fancy. Uh, and eventually becomes the... the biggest operator. Steph: You said fancy? Jeff: Fancy. Steph: Okay. Jeff: And then what Peabody did, based... based on this research is he figured out that the automobile was gonna be a threat, okay? To... to the ferry fleet because now you've got cars. People buy cars, they want the roads to get better so that they can drive their cars. The roads do get better so more people get cars to drive on those roads. So then he figures out that this is a threat and starts converting his ferries to carry cars. And the rest of the Mosquito Fleet, many of whom he'd bought up in the first place, but the rest of the Mosquito Fleet that hadn't been acquired by the Puget Sound Navigation Company... they're not... they're not as like strategic as he is. They don't start converting their boats to carry cars... he does. So they die off. No more. Right? So now he's got a monopoly. And uh, he officially at... at this point adopts the Black Ball Line as its name. Um, and the flag that we heard about, the red and black ball uh, flag in the in the late 20s. Um, coincidentally also around the time of Prohibition and tons and tons of smuggling of da booze from Canada into the US. I am not... I'm not accusing the Black Ball Line of being involved in smuggling um, but it was going on. And uh, there was succession also in the family. Alexander takes over um, from his dad uh, and uh, they really nail down... And then ah this is where... so then they launch the Kalakala. K-A-L-A-K-A-L-A. Kalakala in 1935. This is the streamlined Art Deco ferry that uh, that we we talked about last time and our friends Rob and Jen and Byron uh, actually went out and checked out um, while it was still floating. And it's just like really cool. Looks like um, you know uh, like early streamlined locomotives and trains. That kind of thing with like really neat windows and and that sort of thing. Um, but that becomes the international symbol of the fleet. Everybody's super psyched about it. Um, so that was like 20s, 30s. And then World War II hits. And um, labor organizing really took off around World War II. Uh, and the ferry workers started unionizing and uh, probably pushing back on on pay and working conditions and hours and stuff. And this monopoly uh, had, you know... being a monopoly is great unless there's a strike. And then your... you know your workers strike and your boats aren't running and people are like "Well [bleep], I gotta get around." So now maybe they figure out that they don't have to take the ferry. Take their car on the ferry, take their truck on the ferry and they um... they go elsewhere and that starts to... to put pressure on the ferry. But also like if you've got to raise wages, um, now your... your margins are lower. Blah blah blah. So um, ultimately uh, the... you know the... there was a... a wartime um, freeze in wages and operations but the... the unions um, really pushed for better wages which put a bunch of strain on the... on the company. And the... the only way that... that the Peabodys could make this all work was uh, with a big fare increase. So they um... pushed for a 30% fare increase to cover their costs. Um, and the... they had... it had gotten to the point where they were being regulated at this point because it was, you know, privately operated transportation infrastructure that everybody relied on. Um, so they were regulated and the state said "Nope." So like, you know, a public utility commission has to negotiate rate increases with their state regulator. So same thing happened here. Um, and Peabody says "Give us 30% more." State says "Nope." And Peabody says "All right, F you." They shut it all down. They shut it all down. And that stranded uh, like all the commuters. And people were super pissed at them for shutting it down. Um, which then turned it into a political moment. And uh, the... you know people, businesses said "Take over this... this as an essential utility." And that's when uh, Washington State purchased all this stuff from... all the ferries and the whole system from the uh, the Peabodys. From the Black Ball Line. And that created the Washington State Ferry System. And as you heard in the... in the um, interview, uh, was running... ended up running at a loss. I don't know if it still does, it may as... as a lot of public transit infrastructure does. Um, but the state bought out the Black Ball Line in... in 51. And um, they bought it out for 4.9 million dollars which in like "today dollars" is still not even that much I don't think for, you know, 16 ships, 20 terminals uh, which is what it was at the time. Um, but anyway they buy it out and start operating on... in June of 51. And uh, the state said "Hey we're just gonna do this until we build all the bridges everywhere." Uh, which didn't really happen. Um, and the Washington State Ferry uh, system just change... they basically uh, did away with the Black Ball livery. Which is like the Boaty way of saying how you paint [bleep]. Um, what colors. Um, so they went from orange to green. Uh, but the... the company, Captain Peabody, Alexander, um, and his family retained the route... the international route between... between Seattle and Victoria. And that is the MV Coho which still runs uh, and it's still the Black Ball Ferry Line. And it um... basically gives you a through line from like the original Transatlantic Fleet that did scheduled service for the first time ever um, and, you know... you're on board or not we're leaving at noon. Through line from like the early early 1800s all the way through to today. The Black Ball line has been continuously running or the Black Ball uh... the... Black Ball family or I'm sorry the Black Ball line has been continuously running cause the Coho is still going. Was launched in 59 but it uh... it's still the um... it's still a major private auto ferry line in the region. And international. So goes back and forth to Canada. Which is what you did when you went to the Hot Springs as well. Steph: Um, yeah. I love that. I love that it's still running. I didn't realize that. Jeff: Yeah. The Coho. I... I was out there for work years ago and I thought about taking um, taking the ferry up to Victoria. There's a high speed... and I don't think it's the Coho. There's a high speed ferry that runs also. Um, it may even go further than Victoria but uh, cause I was like "Oh man it'd be pretty cool to do a day trip to just like take the ferry from Seattle up through the Sound to, you know, wherever. Like get off get a... get some poutine and then come back." Although it's the West Coast I don't know if poutine... I don't know if poutine made it out there or maybe they call it something else. I love ferries. Steph: I do too. And I... I've actually been to that part of the world only one time, but I was... I went to a wedding on Vashon Island. And then um, so yeah I was to... completely taken with how watery and boaty it was and we totally took a ferry there and it was amazing and I loved it. And yes, I agree. Ferries are fun and um, that's some... that's some very cool history. I like it. Jeff: Yeah. Well we're gonna... we're gonna wrap up now. Um, because uh... I just got a call and a text from my wife and she... Steph: Yeah. Jeff: She and Mary Jane... so Missy and Mary Jane got rear-ended. I think Toby too. Got rear-ended on the highway. And uh, they don't need a ride but just in case they do I want to wrap it up. Everybody's okay. Nobody got hurt. Steph: Yeah. Sounds good. Good. Good. Jeff: Yeah. Um, but couple things. One, I am currently wearing a Boaty Show hat. And uh, the hot admin, the lovely Melissa, set up a freaking e-commerce website so that you listeners if you would like can buy a Boaty Show hat and we will ship it to you. We don't really make any money on this. It's... it's all uh, basically break-even. Um, but that can be found at thebodyshow.com/merch. M-E-R-C-H. Merch. Thebodyshow.com/merch. They're... I'm very excited because I've got a big head and we have an extra large hat. Which means that if you usually put like the... the little snappy back thing on like the last two nubbins, the snap back on the last two nubbins... on the XL Boaty Show hat you get... you get to at least on my head you get five nubbins. You can snap five hat nubbins. And it... and it doesn't look like you're cramming a tiny hat on top of your big head. So that's exciting. Uh, there's... there's Heather Grey, Dark Grey, and Navy Blue. And uh, would love it if you guys ordered some um, because uh... it's... it's a cool hat. It's got the boat tractor on it. Steph: Mm-hm. It's the holiday season. Time to go buy some merch for your friends and families. Everybody needs a Boaty Show hat. Jeff: Yeah. Also these were made by Bolt Printing who who we talked uh, about on the show once upon a time. Uh, they're really cool people and... Steph: You love them. Jeff: I do. I do. And they made a video of the hats getting made that I'll I'll try and repost. Um, and the other thing is that my book is out. So is the audiobook. So You Teach The Machines: AI on Your Terms is available on everywhere you get your audiobooks. Uh, Audible, Amazon, Apple, and then like 35 others. So if you don't mind listening to my voice, uh, I read the book and people are finding it really helpful. And uh, you can support the show and us doing this silly stuff by buying hats and checking out the book. We are gonna wrap it up. Steph: And next time we get to do Photo of the Week. Jeff: Oh yes! Yes. We're bringing back Photo of the Week next time. Um, there have been a bunch of submissions while we've been on our hiatus and uh, we can't wait. So like next week will probably mostly be Photo of the Week discussions. Jeff & Steph: [Singing together] Yo ho ho, that's it for the Boaty Show. Pack the cooler, grab the lines, let's go go go. Yo ho ho... Jeff: That's it for the Boaty Show. Boom we are out. Say bye-bye Stephanie. Steph: Bye-bye Stephanie.  

Send us a textGuest: Kris Kluver, Founder of Life on Your Terms — speaker, facilitator, best-selling author, advisor, and coach helping leaders design fulfillment that matches their ambition.Summary: In this powerful replay, Kris Kluver flips the script on success. Too many high performers master their business but neglect their well-being — Kris shows how to align both. From defining what success really means to knowing when to say no, this conversation is about creating freedom, balance, and impact on your terms.Timestamps: 02:39 Who is Kris Kluver, the coach? 05:33 Are A-type personalities ever truly satisfied? 06:23 The evolution of Kris' brand 12:14 How to grow your business and yourself 20:37 Redefining success 26:09 One action to transform your life 29:59 Just because you can… should you? 31:49 The courage to change 37:39 The Life on Your Terms process 41:31 Rethinking failure 45:59 The offer that changes everythingLinkedin: https://www.linkedin.com/in/kriskluver/Kris' Website: https://lifeon-yourterms.com/Want to be featured as a guest on Making Data Simple? Reach out to us at almartintalksdata@gmail.com and tell us why you should be next. The Making Data Simple Podcast is hosted by Al Martin, WW VP Technical Sales, IBM, where we explore trending technologies, business innovation, and leadership ... while keeping it simple & fun.

Send us a textGuest: Kris Kluver, Founder of Life on Your Terms — speaker, facilitator, best-selling author, advisor, and coach helping leaders design fulfillment that matches their ambition.Summary: In this powerful replay, Kris Kluver flips the script on success. Too many high performers master their business but neglect their well-being — Kris shows how to align both. From defining what success really means to knowing when to say no, this conversation is about creating freedom, balance, and impact on your terms.Timestamps: 02:39 Who is Kris Kluver, the coach? 05:33 Are A-type personalities ever truly satisfied? 06:23 The evolution of Kris' brand 12:14 How to grow your business and yourself 20:37 Redefining success 26:09 One action to transform your life 29:59 Just because you can… should you? 31:49 The courage to change 37:39 The Life on Your Terms process 41:31 Rethinking failure 45:59 The offer that changes everythingLinkedin: https://www.linkedin.com/in/kriskluver/Kris' Website: https://lifeon-yourterms.com/Want to be featured as a guest on Making Data Simple? Reach out to us at almartintalksdata@gmail.com and tell us why you should be next. The Making Data Simple Podcast is hosted by Al Martin, WW VP Technical Sales, IBM, where we explore trending technologies, business innovation, and leadership ... while keeping it simple & fun.

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she breaks down the common financial mistakes that cost women physicians thousands of dollars each year. She shares how to shift from scarcity to abundance, rethink what being a “millionaire” truly means, and make smarter money decisions that actually align with your life and goals.Key Takeaways:You need more than one million to retire comfortably.Avoid letting fear and scarcity drive your money choices.Financial peace starts with clear goals and planning.Timestamps: 00:40 Why women physicians lose money02:18 The illusion of being “just fine” financially04:05 Why $1M isn't enough for doctors06:10 Overcoming the scarcity mindset08:22 Building wealth that fits your values10:30 Common money traps in medicine12:12 How fear limits financial growth14:28 Reframing wealth and success16:45 Becoming a multi-millionaire on purpose18:52 First steps to fixing your money habitsRelated Episodes:The Secret To Making Your Money Work For You!Why Women Physicians Avoid Money ConversationsYou're making six or even seven figures—and still asking, “Where did all my money go?” The problem isn't your income—it's that you haven't learned how to have money left.The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

In the world of investing, success often hinges on more than just numbers and market trends. Too much financial commentary focuses on investments rather than the people investing. There are way too many aspirational messages that lack the practical steps to put a plan in action. In the latest podcast episode, I welcome Shani Jayamanne, co-author of the book "Invest Your Way: How to Grow Your Wealth on Your Terms." co-authored with Mark Lamonica.Blog post available at: https://www.sharesforbeginners.com/blog/shani-jayamanne-investWatch on YouTube right here.

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she dives into the connection between time, money, and mindset. She shares why managing your schedule like a CEO is essential to building financial freedom, and how to break the cycle of being “too busy” to plan or grow your wealth. If you've ever felt like there's never enough time or money, this one's for you.Key Takeaways:Set a specific time for financial planning.Find someone to hold you accountable.Being busy is not an excuse to avoid growth.Timestamps: 00:00 Managing time like a CEO02:45 Why women physicians feel constantly busy05:30 How lack of planning costs you money08:15 Creating time blocks for financial clarity11:40 The power of saying “no”14:05 Reframing your schedule for success17:20 Money mindset shifts for busy doctors20:35 Building habits that save time and cash24:10 What it means to lead your finances27:50 Final encouragement for physician CEOs

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she shares how to create an emergency fund that truly fits you—your current season, your lifestyle, and your goals. She explains why one-size-fits-all advice doesn't work, how to decide what's “enough,” and how to make sure your savings strategy aligns with your vision for life and work.Key Takeaways:Match your fund to your goals and current season.Avoid one-size-fits-all advice.Save with clarity, not guilt.Timestamps: 01:10 Why funds should match goals02:30 Purpose of an emergency fund04:00 How your season affects savings05:45 Common saving mistakes07:15 Aligning fund with goals09:00 When to rebuild or adjust10:40 Flexibility in money planning12:00 Shifting from guilt to clarity13:40 Fund that supports peaceRelated Episodes:The Secret To Making Your Money Work For You!Anxious About Retirement? Here Are Some Things You Should ConsiderConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she reflects on the success of the 2025 Wealthy You Live In-Person Gathering and the powerful insights shared throughout the experience. She dives into what made this year's event so special, the energy that came from women showing up for themselves, and the mindset shifts needed to move from burnout to abundance.Key Takeaways:Wealth starts with believing you deserve more.True financial freedom means creating time, confidence, and community.Showing up for yourself is the first step toward transformation.Timestamps: 01:28 Reflecting on the success of 2025 WYC Event04:02 How community fuels financial and emotional growth06:10 The link between burnout and wealth mindset07:54 Lessons from women who showed up for themselves09:20 Redefining wealth as freedom and legacy11:00 How confidence builds financial resilience12:42 Why wealth is about more than money16:25 Invitation to embrace your wealthy woman eraConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she examines the challenges that first-generation wealth builders face in their relationships. She discusses how to lead as the financial CEO of your family while nurturing partnership, tackling feelings of being “behind,” and fostering open, intentional conversations about money with your spouse.Key Takeaways:You can be both a partner and the CEO.Comparison can harm your money mindset.Healthy conversations are essential to wealth building.Timestamps:  00:52 Being a first-generation wealth builder as a woman physician 02:30 Balancing being a wife and CEO of the household 04:15 The unique challenges faced by women physicians 08:45 Shifting the mindset from “we're behind” to long-term vision 12:05 How to foster honest money conversations with your spouse 14:18 Inviting your partner into your financial journey 20:05 Avoiding resentment and embracing shared financial goals 22:40 How intentionality shapes your family's financial futureConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she addresses one of the most common and emotional concerns among women physicians: the fear of not having enough money to retire. She shares why shame is often tied to this fear, the truth about financial freedom at any age, and actionable ways to approach retirement planning with confidence.Key Takeaways:Retirement fear often comes from shame, not numbers.Wealth is built through intentionality, not perfection.It's never too late to create financial freedom.Timestamps: 00:35 Fear of not having enough for retirement02:10 Why shame makes retirement planning harder04:22 Common worries from women in their 50s and 60s06:15 Breaking the cycle of financial guilt08:42 The truth about money and time freedom10:18 How to assess your current financial reality12:05 Creating intentional habits that build wealth14:33 Why retirement is more than just numbers16:10 Steps to start shifting your money mindset18:27 Encouragement for women starting late20:12 Dr. Latifat's final advice on financial freedomConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

In this episode, I am sharing five judgments, particularly in the context of building a business rooted in authenticity. As entrepreneurs, we are bound to face judgment when we put ourselves and our messages out into the world. I emphasize that while we cannot control how others perceive us, we can choose how we respond to their opinions. These are common judgments that many of my clients and I have encountered on our journeys, and I share reframes to help you see these judgments differently. The opinions, criticisms and judgments are a sign that your message is being heard, seen, and you're visible. That is how your ideal clients will find you.  HIGHLIGHTS 00:00:00 - The Importance of Judgment in Business 00:01:05 - Embracing Your Authenticity 00:02:41 - Reframing "Too Much" 00:03:34 - Defining Professionalism on Your Terms 00:06:03 - Challenging Financial Judgments 00:07:48 - Growth and Perception: You're Not Better 00:09:23 - Breaking the Silence on Difficult Topics 00:10:50 - The Power of Disruption 00:12:03 - Embracing Visibility and Resilience 00:14:00 - Celebrating Your Journey and Message Marsha Vanwynsberghe — NLP Storytelling Trainer, OUTSPOKEN NLP Coaching Certification, Author, Speaker, and Podcaster Meet me at the Heart-Wired CEO LIVE Event on November 7th & 8th. Grab your tickets HERE and save $260!! Download “You Are Supported” Hypnosis and Subliminal Bundle HERE  Join the next cohort of OUTSPOKEN NLP Coaching Certification (kick-off in Oct 2025 in person or virtual) HERE The Stories We Tell Ourselves Digital Program August Promo Save $333 HERE.  Tap the “Follow” button to never miss a show, and if you love the show, please feel free to tag me on social media, share it with a friend, or leave me a rating and review. This really helps the show grow! Website: www.marshavanw.comConnect on IG, click HERESubscribe on YouTube, click HERE

#realconversations #GulfWar #AI #author#terminalpulmonaryfibrosis #memoir #playwright #tvproducer #entrepreneur#forgiveness #militaryCONVERSATIONS WITH CALVIN WE THE SPECIESMeet MARY McCORVEY; It just hit me. I feel like I could bewriting a sonnet. Try this. Mary McCorvey, let me count the ways that sheamazes. I'll not write lengthy prose. Saved it for our interview. Here are somewords and thoughts. Mary will expound. This interview is a gift as Mary is.Gulf War Veteran. Author, ‘Experience Over Expectation,' Terminal PulmonaryFibrosis diagnosis, Sarin gas exposure in Kuwait, Founder of 7 companies, AI(Eheye) all the way. More words for the sonnet. Resilience, reinvention, memoirin motion, trauma, absurdities of life. Trite for me to say. A screenplay iswaiting to be written. Mary is one of the most riveting, delightful, andintrospective people. Our interview was sumptuous. I almost never use thatword. Mary McCorvey evokes.”  Calvinhttps://www.youtube.com/c/ConversationswithCalvinWetheSpecIEs618 Interviews/Videos  9200 SUBSCRIBERSGLOBAL Reach. Earth Life. Amazing People.  PLEASE SUBSCRIBE **MARY McCORVEY: Army Gulf War Veteran; Media Producer;Author, ‘Experience Over Expectation;' AI; Civic Enthusiast; LIVE fromPhiladelphiaYouTube: https://www.youtube.com/watch?v=MmWVSIpD1ScLINKS:WHERE YOU'LL FIND MARY: Web:www.marymccorvey.com LinkedIn:linkedin.com/in/marylmccorvey Follow on Facebook& Instagram:@marymccorvey Substack:marymccorvey.substack.com BIO:  Mary McCorvey isthe author of Experience Over Expectation, the book that encourages you to LetGo of the Plan, Live on Your Terms - available wherever you get your print andaudio books. She is also host of the Experience Over Expectation podcast,interviewing guests on how to live their best lives.I develop and produce high-impact media projects thatconnect with audiences across platforms—digital, television, live, and emergingformats. As a founder and creative entrepreneur, I specialize in leadingcontent initiatives from concept to execution. My background spans unscriptedstorytelling, branded experiences, civic engagement campaigns, andaudience-driven formats that educate, inspire, and entertain.With deep experience in founding and startup leadership,talent development, and strategic storytelling, I bring together the rightteams, platforms, and partnerships to create scalable media experiences withcommercial and cultural relevance.My work sits at the intersection of creative strategy,execution, and social impact—leveraging deep narrative sensibility withoperational rigor.**WE ARE ALSO ON AUDIOAUDIO “Conversations with Calvin; WE the SpecIEs”ANCHOR https://lnkd.in/g4jcUPqSPOTIFY https://lnkd.in/ghuMFeCAPPLE PODCASTSBREAKER https://lnkd.in/g62StzJGOOGLE PODCASTS https://lnkd.in/gpd3XfMPOCKET CASTS https://pca.st/bmjmzaitRADIO PUBLIC https://lnkd.in/gxueFZw 

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she dives into the unique struggles faced by first-generation wealth builders. She shares how inherited money mindsets, hidden limitations, and cultural expectations can hold physicians back and offers practical insights to shift those patterns so you can build wealth without burnout.Key Takeaways:Learn how to effectively communicate your financial boundaries.Financial insecurities can cause you to hoard money.Investments are the fastest route to financial freedom,Timestamps: 01:15 Struggles unique to first-generation wealth builders03:42 Why income alone doesn't solve money problems06:10 The hidden limitations holding women physicians back08:55 How money mindsets fuel burnout12:30 Why breaking generational cycles matters15:44 Building wealth with confidence and legacy in mind18:20 The role of intentionality in financial freedom21:05 Shifting your mindset around money struggles24:10 Creating wealth without sacrificing joy27:15 Closing encouragement for women physiciansConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she reveals the one essential thing every woman physician needs to truly achieve financial freedom. She breaks down how this applies to different groups: employed doctors, practice owners, RVU-based physicians, and investors, while showing how assets create lasting wealth and flexibility.Key Takeaways:Assets create true freedom.Every physician path can build wealth.Time freedom is just as vital as money.Timestamps: 00:00 Welcome to MoneyFitMD00:44 Why this topic matters01:06 The three physician groups01:15 Employed physicians and freedom01:18 Practice owners and RVU models01:23 Investors and building assets01:32 Assets are the key to wealth01:45 How to build time freedom02:10 Living the life you deserve02:49 Reclaiming joy and legacyConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she sits down with Dr. Elaine Stageberg, psychiatrist, mother of five, Chief Investment Officer of Black Swan Real Estate, a leading national presenter, investment thought leader, and real estate expert. Together, they explore the real challenges and possibilities of whether busy women physicians can truly build wealth while managing careers, families, and the pursuit of a meaningful life.Key Takeaways:Women physicians can build wealth without sacrificing family or fulfillment.Real estate investing offers both financial growth and flexibility in medicine.Building wealth is easier with the right community and shared resources.Timestamps: 00:45 Dr. Latifat welcomes listeners02:10 Introducing Dr. Elaine and her background04:20 Why many physicians feel wealth is out of reach07:05 The mindset shift busy women need10:30 How real estate creates flexibility in medicine14:00 Overcoming fears around investing18:15 Building wealth without sacrificing family22:40 The power of community in financial growth26:55 Practical steps to start investing31:20 Lessons learned from real estate experiences36:15 Creating generational wealth with intention40:05 Final thoughts and words of encouragementConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she is joined by her husband, Shile Akintade, to celebrate the milestone 300th episode. Together, they reflect on the journey so far, share candid insights about money, marriage, and faith, and answer heartfelt questions from the community. It's a mix of gratitude, wisdom, and celebration of what's possible when you stay anchored in purpose.Key Takeaways:Building wealth is also about building legacy and freedom.Money and marriage thrive on open communication.Commit to the decision and everything else follows.Timestamps:  00:00 Welcome to MoneyFitMD 01:15 Celebrating 300 episodes 03:40 Introducing Shile as guest interviewer 06:10 Reflections on the podcast journey 09:25 Lessons learned from coaching women physicians 12:45 Balancing money, marriage, and purpose 16:20 Listener Q&A begins 21:30 Biggest mindset shifts over 300 episodes 27:10 What money truly means for legacy 32:55 Gratitude for the community 36:40 Encouragement for women physicians 40:00 Closing reflectionsConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.Key Takeaways:The right room accelerates your wealth journey.In-person connection creates lasting impact.Growth requires stepping outside comfort zones.Timestamps: 00:00 Welcome to MoneyFitMD00:42 Why this episode matters if you're considering the event01:05 Clarity on whether this event is for you02:14 The difference between online learning and in-person growth04:33 Why being in the right room changes everything06:18 Community and accountability in wealth-building09:44 Physicians need spaces that go beyond medicine12:02 Investing in yourself is the best ROI14:55 Overcoming hesitation and fear of showing up18:11 Why wealth-minded physicians prioritize live events21:30 What you gain when you commit to attending24:00 Closing thoughts and invitation to joinConnect with Dr. Latifat:

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she dives into how to raise financially confident children, sharing practical ways to teach kids about money, break the cycle of fear or scarcity, and pass on values that create generational wealth. Whether you have kids, nieces, nephews, or are part of a community raising the next generation, this conversation is for you.Key Takeaways:Money values start at home.Kids learn more by example than by lectures.Start by teaching intentional spending.Timestamps: 00:00 Welcome & intro to MoneyFitMD01:15 Why this topic matters for all caregivers03:40 How money beliefs shape kids early on06:25 Teaching by example vs. lectures09:10 Overcoming your own money fears12:45 Conversations to start having now15:30 Why kids need to see you manage money well18:20 Breaking generational money trauma21:10 Practical tips for money lessons at home24:40 The role of generosity and giving27:15 Encouraging kids to think long-term29:55 Final encouragement and wrap-upConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she dissects the deeper reasons why so many women physicians feel overwhelmed. She explores how the mental load, invisible expectations, and people-pleasing habits affect your money and your life.Key Takeaways:Overwhelm often stems from unspoken internal pressure.Saying no is a form of self-preservation.Reclaiming your time is the first step to wealth.Timestamps: 00:00 welcome and intro01:33 why women physicians feel overloaded04:58 the internal stories we don't even question08:10 being “busy” isn't always productive12:19 signs you're stuck in people-pleasing patterns16:03 what emotional boundaries actually look like19:47 choosing what matters vs. doing everything23:11 the myth of “doing it all”27:29 creating emotional clarity in your life30:56 how financial freedom starts with mindset34:20 practical steps to reset your load36:41 final thoughts and encouragementConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she unpacks the emotional, social, and practical realities of being a female breadwinner, especially in medicine. She dives deep into the mindset traps, social narratives, and invisible pressures that women physicians face and how to break free from them.Key Takeaways:Find ways to take a rest.Earning more doesn't mean doing more.Changing your money mindset is key.Timestamps: 00:48 The emotional weight of breadwinning02:21 Why women struggle to call themselves “breadwinners”04:40 Cultural and identity-based money pressures06:00 Money guilt vs. money power07:15 Redefining success as a woman physician09:42 The “invisible checklist” women carry11:03 How couples deal with unequal incomes13:08 Getting honest about financial resentment14:44 Role of community in financial healing16:10 How Dr. Latifat helps through MoneyFitMD17:32 Letting go of the shame cycle18:55 Practical steps for shifting your money identityConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she tackles the challenge many women face: how to invest and grow wealth when their spouse or partner isn't supportive or involved. She shares mindset shifts, actionable advice, and the emotional side of navigating financial independence within a relationship.Key Takeaways:You don't need permission to start investing.Communication can shift resistance into curiosity.Investing is both a financial and emotional journey.Timestamps: 00:01 investing without a supportive partner01:25 real-life client stories04:12 how fear can mask as resistance06:30 don't wait for a green light08:40 building your own belief first10:55 balancing love and independence13:20 what to say when your partner says no16:05 how Money School helped other women18:35 financial safety is internal21:10 becoming the CEO of your life23:25 investing is a form of self-respect25:00 final thoughts and encouragementConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Mastering Creative Financing for Real Estate Success with Zachary Beach   Welcome to REIGN, the Real Estate Investor Growth Network, hosted by Jen Josey. In this episode, Jen interviews Zachary Beach, CEO and partner of smartrealestatecoach.com, who shares invaluable insights on creative financing, time management, and how to successfully transition from a W2 job to a thriving real estate career. Zachary discusses his personal journey from bartending and personal training to becoming a successful real estate investor, the importance of mindset in real estate, and actionable strategies for buying properties through lease options, subject-to deals, and seller financing. Learn practical tips, market trends, and how to navigate the current real estate landscape to grow and scale your investing business. Plus, discover the power of creative financing and how it can help you achieve your financial goals without relying on traditional loans.   00:00 Introduction to REIGN and Host Jen Josey 01:01 Today's Topic: Time Management for Investors 03:27 Guest Introduction: Zachary Beach 05:18 Zachary's Journey from Bartending to Real Estate 07:54 Mindset Shift for Real Estate Success 13:27 Creative Financing Strategies Explained 17:13 Misconceptions About Creative Financing 23:46 Challenges of Traditional Real Estate Investment 25:03 Exploring Creative Financing 25:55 Success Story: Rick's Journey 27:35 Current Market Conditions and Strategies 30:39 Understanding Subject-To Deals 32:39 Trends in Real Estate Investment 36:34 Advice for Aspiring Investors 40:01 Zachary Beach's Personal Insights   https://smartrealestatecoach.com/   Zachary is the CEO/ Partner of SmartRealEstateCoach.com, which is a 3x Inc. 5000 Fastest Growing Company that focuses on transforming W2 employees into creative financing real estate investors. With a passion for business building, he is also a partner in Original Real Estate, Watch Street Properties, and Propsperity.io. Zachary is also a 3x Amazon Best-Selling Author of Real Estate on Your Terms, New Rules of Real Estate Investing, and Sell with Authority for Real Estate Investors.   At the age of 24, Zachary decided to leave the world of bartending and personal training and jump into the family business. It was one of the first big risks that he took in his life, as nothing was guaranteed. Plus, he knew absolutely nothing about real estate. Through hard work, in-house training, and implementation, Zach, along with the Wicked Smart Community, operates all over North America and has successfully completed hundreds of transactions, assisting students in doing the same at any given time with little to no money in the deal and no banks involved.   He has an amazing wife, Kayla, and two small children: his son, Remi, and his daughter, Bellamy.   To learn more about Jen Josey, visit https://www.therealjenjosey.com/ To join REIGN, visit https://www.reignmastermind.com/ Stuff Jen Josey Loves: https://www.reignmastermind.com/resources Buy Jen Josey's Book: From Beginner to Badass: https://a.co/d/bstKlby

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she breaks down how to get clear on your life and financial priorities when everything feels equally important. Whether you're just starting out or already investing, this conversation will help you uncover the hidden reasons you're stuck and how to move forward with intention.Key Takeaways:Your current overwhelm may be a sign of unclear priorities.Alignment is what actually builds a rich life.Being better at money doesn't mean spending more time away.Timestamps: 00:00 Welcome and intro to the podcast00:42 The challenge of juggling multiple priorities02:20 Why women physicians feel stuck in decision loops03:45 The link between emotional clutter and unclear direction05:10 How financial goals get buried under “life noise”07:30 Creating space to hear what matters most09:00 Building a value-aligned roadmap11:15 When to slow down and reassess13:00 Letting go of guilt around prioritizing15:25 What “your best life” really looks like17:10 Final thoughts and encouragementConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she is joined by Jeff Chisum, a seasoned Loan Officer who is dedicated to helping families build their financial legacy through real estate. The conversation explores topics such as the common mistakes and misconceptions clients make when purchasing a property.Key Takeaways:Opportunities and interest rates are both temporary.Education is essential to create opportunities.Credit Unions offer lower rates.Timestamps:  00:01:10 why she's talking about short-term rentals 00:02:44 what “passive income” really looks like 00:04:00 the difference between emotional and strategic investing 00:05:35 red flags when evaluating real estate deals 00:07:20 what she learned from coaching clients with regrets 00:09:55 the importance of asking “what problem is this solving?” 00:12:30 the pressure to copy others' money moves 00:14:05 what people misunderstand about wealth and freedom 00:16:22 why buying real estate isn't always smart 00:18:10 how to check your motives and long-term vision 00:21:40 tools and questions to assess financial decisionsConnect with Jeff Chisum:

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she is joined by Dr. Courtney Downes, a credit card points expert who breaks down how these points can be used to fund travel dreams without draining your wallet. It's an eye-opening conversation about practical tips, mindset shifts, and how to make your everyday spending work for you.Key Takeaways:Credit card points can fund your travel.Strategy beats quantity.Your dream life is doable.Timestamps: 00:00 Welcome to MoneyFitMD00:45 Feeling overwhelmed by credit card points?03:15 Meet Courtney: points are her love language07:40 How to start using credit cards for travel rewards13:10 Why mindset matters more than the math16:30 Top tips for first-time points users21:05 Mistakes to avoid when collecting points26:55 Final motivation: living your dream life todayConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Build the Business. Live the Life. Exit on Your Terms | Vince Perri | The Liquidity Event 2025   The Entreprenudist Podcast https://entreprenudist.com At The Liquidity Event June, 2025 | sponsored by Insurance Claim HQ Powered by Hair Shunnarah Trial Attorneys.  Vince Perri, CEO of Elite Resolutions, shares his powerful journey of building a thriving business with intention and vision. In his talk, “Build the Business. Live the Life. Exit on Your Terms,” Vince breaks down what it truly means to create a business that supports your lifestyle—and how to plan for the ultimate goal: a successful and purposeful exit. Whether you're just starting or scaling, his insights will help you focus on building with the end in mind. ------------------ Struggling with a denied or delayed insurance claim? Let the experts at Insurance Claim HQ Powered by Hair Shunnarah Trial Attorneys, help you get what you're owed. Visit https://insuranceclaimhq.com and take the first step toward the settlement you deserve.  Hosted by Randolph Love III, ChFC®, The Entreprenudist Podcast is a platform where real entrepreneurs and business owners bare it all. Ranked in the top 10% of business podcasts, it shares unfiltered stories, challenges, and triumphs, providing valuable insights for aspiring and seasoned business leaders alike.

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being .In this episode, she addresses four common questions women physicians have when it comes to net worth—what it actually means, how to calculate it, and what to do if you're scared to look at your numbers. She brings clarity, encouragement, and practical steps to help you use net worth as a powerful tool for financial empowerment.Key Takeaways:Net worth is what you own minus what you owe.Knowing your net worth brings clarity and control.Tracking net worth helps rewrite your money story.Timestamps: 00:00 Introduction to MoneyFitMD01:15 Why net worth matters03:10 Breaking down the formula: assets vs. liabilities06:30 How to track your net worth08:05 What net worth tells you about your progress10:00 Common fears around seeing the numbers12:20 How tracking builds confidence15:00 Your next steps to take actionThe Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms

What happens when you buy your first property at 19, move across the world, and build a portfolio that's aligned with your lifestyle, not someone else's idea of success? In this episode of Where Should I Invest, Sarah and Kelly sit down with Amy Brooke, a CPA-turned-full-time investor who left corporate life to pursue real […] The post Ditching the Corporate Life to Live on Your Terms first appeared on Sarah Larbi Developments.

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being .In this episode, she  responds to a heartbreaking survey that revealed how many clinicians are living paycheck to paycheck, and she shares four practical steps to help you stop that cycle now. Plus, she offers two free resources to support your financial transformation.Key Takeaways:62% of clinicians live paycheck to paycheck.Small changes can lead to big financial relief.There's always a way forward.Timestamps: 00:00 Welcome to MoneyFitMD00:44 Survey reveals 62% of clinicians live paycheck to paycheck01:16 Why working harder isn't fixing the financial struggle02:00 Four actionable moves to get relief now03:10 The mindset shift you need to make today04:20 Real talk about burnout and feeling stuck05:33 Two free resources that can help immediately06:05 Final encouragement for women physiciansConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being .In this episode, she dives deep into the paradox of high-income earners—why many women physicians who make hundreds of thousands still feel broke. She explains the mindset, systems, and steps needed to break free from the paycheck-to-paycheck cycle.Key Takeaways:You can earn a lot and still feel broke.Awareness and clarity are your first tools for change.Budget systems build lasting freedom.Timestamps: 00:00 Welcome to MoneyFitMD00:45 Why doctors feel broke at $500K+01:58 Understanding your financial behaviors05:10 The power of clarity in money management09:22 Emotional safety vs. financial security12:50 Practical steps to shift your money story17:30 Building systems, not just saving money20:15 Final words of encouragement from Dr. LatifatConnect with Dr. Latifat:

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being .In this episode, she is joined by Brittany to celebrate her book launch and explore how choosing intentionally can transform your money, mindset, and legacy. They talk about the deeper meaning behind the book, the role of values in wealth-building, and how to pass that wisdom on to the next generation.Key Takeaways:One choice can change everything.Wealth comes from alignment.Teach values, not just money.Timestamps: 00:05 Welcome to the show00:41 Introduction of Brittany as guest host01:30 Dr. Latifat's book launch celebration04:05 The meaning behind the book title06:45 Aligning decisions with your identity10:20 Teaching kids through your values13:55 How wealth starts from within16:30 Giveaway announcement and gratitudeConnect with Dr. Latifat:

Still following the fitness rules from your 30's and wondering why they aren't working anymore? Hilary is here to tell you: It's time to break up with the punishing workouts, the rigid food rules, and the guilt-tripping voice in your head. At 52, Hilary is in the best shape of her life. She's leaner, stronger, and more energized than ever, and she's doing it without tracking macros, counting calories, or wrecking her body with HIIT workouts. In this refreshingly real episode, Hilary breaks down the five shifts that helped her finally get the results she wanted, not just physically, but mentally and emotionally too. From unlearning outdated fitness “rules” to adopting a mindset rooted in self-devotion (not self-discipline), she shares how tuning out the noise and tuning into her own body changed everything. You'll hear about her exact lifestyle habits, how she makes working out something she actually enjoys, and why flexibility matters just as much as strength. No shame, no extremes, no performative BS, just smart, doable shifts that honor where you are now.   Episode Highlights: The real reason your old routines aren't working anymore Why pushing harder might be hurting more than helping The mindset shift that changed Hilary's entire approach to fitness Her go-to workouts, food philosophy, and everyday habits How to prioritize yourself unapologetically—at the gym and everywhere else Episode Breakdown: [00:00] Fitness Wake-Up Call [01:44] Listening to Your Body [03:10] From Punishment to Self-Devotion [06:10] Defining Strength + Health on Your Terms [07:12] Habits That Actually Support You [10:11] Prioritizing Yourself [11:14] Making Fitness Enjoyable [15:26] Self-Devotion > Self-Discipline   Ready to break the rules and feel amazing in your body again? Let this episode be your permission slip. Want to go deeper? Check out Hilary's Self Devotion program to turn this mindset into your everyday way of being. [https://hilarysilver.com/self-devoted/]

Success isn't a one-size-fits-all journey. So why are we still leading like it is?

When Self Denial turns into Soul Denial In today's Live we bust three toxic myths about “dying to self,” show you the biblical difference between anxious self-consciousness and mature self-awareness, and offer a practical shift that frees you to live soul-full rather than self-less.00:00 Introduction: Self-Denial vs. Soul Denial00:53 The Subtle Lie: It's Not All About You01:35 The Goal of This Video02:36 Three Myths and One Freeing Shift05:29 Myth 1: Self-Denial is the Goal of the Christian Life11:32 Myth 2: Self-Awareness is Prideful22:32 Myth 3: Holy People Forget Their Needs31:25 Conclusion: Embrace Soulfulness31:54 Final Thoughts and Resources

In this episode, Curtis May sits down with Chris Prefontaine—author, educator, and the mind behind Smart Real Estate Coach—to discuss how creative real estate strategies are helping investors thrive in 2025.   Highlights   How to buy real estate without using your own cash, credit, or dealing with banks Why the current market is ideal for lease-purchase and seller-financing deals The #1 mistake new investors make when trying to do creative deals What's working now for Chris's students and how they're closing deals in weeks, not years Why “Real Estate on Your Terms” might be your safest path to income and financial freedom in 2025   If you're tired of being locked out of traditional investing or looking for an edge in today's economy, this episode is a must-listen.   Links and Resources from this Episode https://www.practicalwealthadvisors.com https://www.practicalwealthsolutions.net/ Email Curtis for a free report - curtmay@gmail.com  Call his office - 610-622-3121 ERC Tax Credit - https://ercspecialists.com?fpr=curtis75 Schedule a call with Curtis: https://aptwithcurtis.as.me/Strategysession CashFlow Mapping: https://practicalwealth.cashflowmapping.com/lp/PWbudgetsstink  Connect with Chris Prefontaine https://smartrealestatecoach.com/  Real Estate On Your Terms and Deal Structure Overtime: https://wickedsmartbooks.com/podcast  FREE Master's Class: http://smartrealestatecoach.com/masterspodcast  FREE Strategy Session with Chris: http://smartrealestatecoach.com/actionpodcast  Special Listener Gift Schedule a 15-Minute Call with Curtis: https://aptwithcurtis.as.me/Strategysession   Review, Subscribe and Share If you like what you hear please leave a review by clicking here   Make sure you're subscribed to the podcast so you get the latest episodes. Click here to subscribe with Apple Podcasts  Click here to subscribe with Spotify Click here to subscribe with RSS  

Welcome to Part 2 of one of the most important and personal episodes of Everyone's Talkin' Money. In Part 1, we exposed the damaging belief that your self-worth is tied to your net worth—and now, it's time to do something about it. In this episode, I walk you through my four-part Separation Process—a framework to help you shift from financial shame to clarity, resilience, and empowerment. You'll learn how to rewire the way you see yourself in relation to money, so you can stop letting your bank balance dictate your self-esteem and finally take back your financial power. You'll walk away with: The Separation Process:Step 1 – Separate the Math from the Meaning. Learn how to treat your finances as data—not a moral scorecard—so you can make money decisions without shame. Step 2 – Inventory Your Non-Financial Value. Make a list of 10 ways you add value to the world that have nothing to do with money—and keep it close for tough days. Step 3 – Redefine Success on Your Terms. Ditch society's hustle metric and reimagine what success looks like when it aligns with your values. Step 4 – Practice Compassionate Reality. Handle financial challenges with truth and grace, so you're solving problems—not attacking your own self-worth. Plus: The Worth Resume – a powerful tool to track the value you bring to the world that's not on a spreadsheet Self-Worth Buffers – five daily practices that build emotional resilience and protect your identity from financial stress Real-Life Scenarios – practical scripts and strategies for common situations where self-worth and money get tangled: We will discuss: Social comparison on Instagram Financial setbacks or mistakes (like missed payments) Saying “no” to spending you can't afford Having hard money convos with partners or family Even celebrating financial wins without letting them define you This episode is your emotional toolkit for making money decisions from strength, not shame. You are not your balance sheet—and today, we're putting that truth into action. Follow us on Instagram: @everyonestalkinmoney Create your Worth Resume and tag us using #WorthBeyondWealth Missed Part 1? Go back and start there—it lays the emotional groundwork for everything you hear today Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr. Latifat is the host and founder of MoneyFitMD, a transformative space for women physicians ready to reclaim their financial power. As a physician, mom, and money coach, she guides her audience in building wealth without sacrificing joy, sanity, or time freedom.In this episode, she is joined by three incredible women physicians as part of the Power to Choose book launch event. Together, they share honest, vulnerable stories about identity, self-worth, and the power of choice. Their conversations highlight how personal experiences shape financial decisions, and how choosing yourself can lead to true freedom and legacy.Key Takeaways:You control how you show up.Wealth begins with self-worth.Choose with intention.Timestamps: 00:00:04 Welcome to MoneyFitMD00:01:30 Introduction to the Power to Choose event00:07:52 Importance of self-celebration and presence00:14:05 A guest shares a personal story of empowerment00:19:20 Why choosing yourself matters00:24:33 Aligning your decisions with your values00:30:12 Ending reflections on legacy and worth00:33:50 Closing words and appreciationConnect with Dr. Latifat:

Dr. Latifat is a physician, money coach, and founder of MoneyFitMD—a platform and podcast created to empower women physicians to rewrite their financial stories, build wealth confidently, and live life on their own terms. With a unique blend of real talk, education, and mindset work, she helps doctors learn the tools to grow wealth without burnout, guilt, or shame.In this episode, she shares a powerful excerpt from her new book, The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She discusses the realities of physician burnout, the importance of financial liberation beyond just hitting income milestones, and how changing your mindset is key to creating the life you deserve.Key Takeaways:Financial liberation is about mindset.True freedom comes from choice.You don't have to wait to live fully.Timestamps: 00:41 Book announcement: The Power to Choose 01:51 Imagine your life without financial limitations 03:01 Burnout and financial pressure among women physicians 07:52 Dr. Latifat's personal journey to financial liberation 10:31 Why liberation matters more than traditional financial freedom 12:04 Mindset is 80% of financial success 16:07 The "two butt cheeks" concept for confident living 18:59 Invitation to the virtual book launch and celebrationConnect with Dr. Latifat:☎️ Book A Call: www.moneyfitmd.com/call

Feeling like you're "losing the race" post-divorce because your ex has already moved on? In this empowering episode, we debunk the myth that healing after divorce requires being in a new relationship. You'll learn why being single and happy is the ultimate win—and how to handle events like weddings or graduations with your ex and their new partner without feeling “less than.”We dive deep into the real work of healing, the trap of attraction based on deprivation, and the three non-negotiables you must have before dating again. Whether you're newly single or simply feeling pressure to be partnered up, this episode is your reminder that your peace, self-security, and standards are worth protecting at all costs.Click here to save your seat for April 24th Live Workshop "Divorced and Thriving: Secrets to Emotional and Financial Freedom on Your Terms."Curious if the Collective is for you? Start here: Fill out a⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠quick form⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠and let's talk on a Divorce Breakthrough session! We will uncover your blocks and blindspots and find out if my program ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"The Get Over Divorce Collective" ⁠⁠⁠⁠⁠⁠⁠⁠i⁠⁠⁠⁠⁠s a fit for you. Inside this program I will work with you personally to help you reach your healing and thriving goals.Want to join the best Facebook Divorce Support Group on the internet? Join: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Thriving Community, Women Supporting Women through Divorce.⁠⁠⁠⁠⁠⁠⁠⁠⁠

Kimberly speaks with Shauna Brittenham Reiter, author of 'You Are the Boss of You.' They discuss the journey to wholeness, overcoming trauma, and the importance of self-soothing and emotional awareness. Shauna shares her personal experiences with anxiety and perfectionism, emphasizing the significance of understanding the true self versus the ego. The discussion also touches on parenting and the power of presence and pausing in daily life. Fatty15 is on a mission to replenish your C15 levels and restore your long-term health. You can get an additional 15% off their 90-day subscription Starter Kit by going to fatty15.com/KIMBERLY and using code KIMBERLY at checkout. LMNT is offering a free sample pack with any LMNT drink mix purchase at DrinkLMNT.com/FEELGOOD. That's 8 single serving packets FREE with any LMNT any LMNT drink mix purchase. Get yours at DrinkLMNT.com/FEELGOOD. This deal is only available through my link. Chapters 00:00 Introduction to Shauna Brittenham Reiter 01:51 Journey to Wholeness: Overcoming Trauma 06:05 Understanding the True Self vs. Ego 10:15 Somatic Awareness and Emotional Processing 15:13 Hypervigilance and Its Impact on Relationships 19:10 Self-Soothing and Inner Child Work 24:03 The Power of Presence and Pausing 29:01 Centering Through Breath and Compassion 32:18 The Power of Pausing and Self-Care 35:47 Tuning Your Instrument: The Art of Patience 39:58 Creating Space for Creativity and Reflection 43:40 Owning Your Time and Choices 49:54 Establishing Boundaries and Self-Trust 54:54 Tools for Living Life on Your Terms

In this episode, we have the pleasure of hosting Shauna Brittenham Reiter, the inspiring founder of Alaya Naturals and author of the transformative book, You Are the Boss of You: Cultivate the Mindset and Tools to Live Life on Your Terms.

In this unapologetically raw episode of A Swift Kick in the Ass (ASKITA), John unleashes some four-letter words that might just rival a sailor's vocabulary. This one's not for the faint-hearted, so grab your earbuds or send the kids packing before you hit play! It's an eye-opening wake-up call designed to shake you out of complacency and kickstart a positive transformation. If you feel stuck, drowning in life's mess, and can't see past the darkness, let this episode be the beacon to guide your head to a better place. John doesn't hold back as he delivers a candid perspective on taking ownership of your problems and reminds you—and those you care about—that no matter the challenges, life can and will get better. It's time to take charge. Life on Your Terms starts now. #KickAssWisdom #PracticalMotivation #LifeTransformation

Chris Prefontaine is the four-time best-selling author of Real Estate on Your Terms, The New Rules of Real Estate Investing, and Sell With Authority for Real Estate Investors. He's also the founder and chairman of the Wicked Smart companies and host of the Smart Real Estate Coach Podcast. [PARTNER WITH US] Get instant 1-on-1 access to over 26 of the top agents in the country to help scale your business.

Chris Prefontaine is the four-time best-selling author of Real Estate on Your Terms, The New Rules of Real Estate Investing, and Sell With Authority for Real Estate Investors. He's also the founder and chairman of the Wicked Smart companies and host of the Smart Real Estate Coach Podcast. [PARTNER WITH US] Get instant 1-on-1 access to over 26 of the top agents in the country to help scale your business.

Chris Prefontaine is the four-time best-selling author of Real Estate on Your Terms, The New Rules of Real Estate Investing, and Sell With Authority for Real Estate Investors. He's also the founder and chairman of the Wicked Smart companies and host of the Smart Real Estate Coach Podcast. [PARTNER WITH US] Get instant 1-on-1 access to over 26 of the top agents in the country to help scale your business.

What if the only thing standing between you and the life you want is the belief that it's out of reach?To kick off Season 2, Amy Sylvis joins her friend Maurice Philogene on Try Life On Podcast for an eye-opening conversation on financial freedom, mindset shifts, and living life on your terms. Maurice shares his path from a structured corporate career to global entrepreneurship, while Amy reveals how she overcame a life-threatening illness, career loss, and a decade of struggle to build Sylvis Capital.This episode is a must-listen for anyone seeking more control over their time, money, and future. If you're ready to challenge your limits and step into abundance, hit play now.Connect with Maurice Philogenehttps://www.linkedin.com/in/mauricephilogene/https://www.trylifeon.com/podcasthttps://www.trylifeon.com/what-is-try-life-onConnect with Amy Sylvis:https://www.linkedin.com/in/amysylvis/Contact Us:https://www.sylviscapital.comhttps://www.sylviscapital.com/webinar00:00 - Welcome to Season 2 & The Power of Abundance03:35 - From Corporate to Freedom: Maurice's Journey08:09 - Amy's Journey: Overcoming Adversity & Redefining Success17:11 - The Power of Mindset & Finding the Right Team27:02 - Building Silvis Capital & Creating Impact38:04 - Living Life on Your Terms & The Mediterranean Dream

In this episode:Reminder ➡️ "Most Productive Month Ever" starts next weekCopywriting Tip ➡️ I saw this lame diamond adNews & Opinion ➡️ Authority Hacker CLOSES their SEO programPodcast ➡️ Entrepreneurship on Your Terms, Virginia Elder's podcastStrategy ➡️ Heta-uma ('bad but good')YouTube ➡️ How I made $100k last year from AI-coded appsMake The Internet Fun Again ➡️ Do you return your shopping cart?NOTE: These roundups start as a free newsletter, which you can grab here: https://petemcpherson.com/STUFF MENTIONED:MPME: https://petemcpherson.com/mpmePodcast ➡️ Entrepreneurship on Your Terms, Virginia Elder's podcast: https://www.youtube.com/watch?v=QMX1YEcK4oMHeta-uma: https://en.wikipedia.org/wiki/Heta-umaYouTube ➡️ How I made $100k last year from AI-coded apps: https://www.youtube.com/watch?v=vPS4RYrxqI4Shopping Cart Theory: https://en.wikipedia.org/wiki/Shopping_cart_theory

Think M&A is just for billion-dollar deals? Think again. Your local landscaper might be the next acquisition success story. In this episode of The Liquid Lunch Project, Matthew and Luigi sit down with Scott Bushkie, CEO and Founder of Cornerstone Business Services. They dive into the world of small business mergers and acquisitions (M&A), breaking down how small and medium businesses can leverage the same strategies used by Fortune 500 giants. From avoiding the pitfalls of "one-more-year-itis" to understanding how to scale through acquisitions, this episode is packed with practical advice and real-world examples tailored to business owners.   Who is Scott? Scott Bushkie is a leading M&A advisor and the CEO of Cornerstone Business Services. With over 23 years of experience, Scott has guided countless business owners through the complexities of selling and acquiring businesses. He's also the author of Finish Strong: Sell Your Business on Your Terms and a recognized expert in the art of creating value through strategic exits.   Here's what we're covering: Why small business M&A is booming, and what that means for you. The top three mistakes small business owners make when preparing to sell. Scott's step-by-step guide to maximizing business value before a sale. The emotional side of selling: how to separate your identity from your business. Real-life success stories and cautionary tales from the M&A world. Why you shouldn't wait until burnout to consider selling your business.   Ready to take the next step in your business journey? Tune in now and learn how to navigate the world of M&A like a pro.    Favorite Quote: “Most business owners don't know what they don't know. They only go through this process once. If they do it right, things can be really good for them…unfortunately, so many of them do it wrong.” Connect with Scott: https://www.cornerstone-business.com/ https://www.linkedin.com/in/scottbushkie/ https://shorturl.at/dJs3c  Stay Connected: Connect with Matt and Luigi on Instagram: ➡️@matthew.r.meehan➡️ @luigi_rosabianca, ➡️@theLiquidLunchProject➡️@ShieldAdvisoryGroup. Visit The Liquid Lunch Project website and subscribe to The Weekly, our Friday morning newsletter, for all the latest in the world of finance, tech, small business, and more. https://theliquidlunchproject.com Make sure you never miss an episode — check out The Liquid Lunch Project on Apple Podcasts, and don't forget to subscribe, rate, and review.