Podcasts about zooming

First off — Happy New Year. To kick off the year, this week's episode of the Wealth Formula Podcast is a solo one from me. I spend the episode walking through my outlook for 2026 and sharing a few predictions for how I think this cycle is going to play out. Lately, I keep hearing the same question phrased in different ways. The economy feels tight, but markets are holding up. Growth is coming in stronger than expected, inflation is easing, and yet a lot of the signals people usually rely on just don't seem to be lining up. That disconnect is really the starting point for this episode. Rather than reacting to headlines or making short-term calls, I wanted to step back and talk through the mechanics of what's actually driving this environment — and why it looks so different from the cycles most of us learned about. A lot of it comes down to debt, policy constraints, how capital moves today, and the growing influence of technology. When you start looking at those pieces together, some of the things that feel confusing begin to make a lot more sense. This isn't meant to be alarmist or overly optimistic. It's simply an attempt to frame the environment clearly so you can think about it more intelligently — especially if you're deploying capital or deciding whether it makes sense to sit on the sidelines. If you've felt like the economy and the markets aren't really speaking the same language right now, I think you'll find this episode useful. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  You need to be out of the dollar and into the investor class because that that widening gap between those who have, who own things, who own assets and those who do not is gonna continue to widen. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast, and today I am going to do something a little bit different. I’m gonna kind of give you. My perspective, maybe predictions I dare say about, uh, the upcoming year in 2026, how I look at it, what I think, uh, uh, is likely outcome and why. Not that I am any smarter than any of you on this stuff, but I’ve actually kind of sat down and, and thought about, you know, the things that are going on in the macroeconomic. Side of things and, um, put some stuff together and, uh, hopefully you’ll enjoy it. We’ll have, uh, that right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from. Your own bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your invest. Get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealthformulabanking.com. Again, that’s wealthformulabanking.com. Welcome back everyone, and, uh, happy New Year to you. I forgot to even say that in the intro. How rude of me. Hopefully you had a great holiday, you had a great Christmas, and you’re bringing in the new year with a vision of health and wealth and PO prosperity and all that stuff. So anyway, let’s talk a little bit about, uh, you know what I am. Kinda looking at for 2026. Now, when you think about, well, what are these predictions and what could they be and all that, um, interest rates, inflation markets, you know, uh, let’s set the foundation for how I’m thinking about it, because everything else really kind of builds on it. And the most important thing to understand is that debt. Is really now I think the main character in the economy. I know we, people have been talking about this for a very long time, but I think, I think the debt issue is really, really becoming something that cannot be ignored, and I’ll get into that in a while. Obviously, I’m not saying that inflation and interest rates don’t matter. They matter enormously. Uh, those are the things that people actually feel, right? Higher prices, higher mortgage rates, higher insurance costs. What I’m saying is that the level of debt now determines really how decisions on those things are made from policy makers. You know, how do they respond to inflation and interest rates, recessions market stress. What debt does is it actually kinda limits the range of choices around how policy makers react to all these things. So once you see that, the behavior of the economy starts to, I think, make a lot more sense. So let’s start with. Sovereign debt, and I’m gonna start really basic here because the question is, you know, what exactly is sovereign debt? Okay. And sovereign debt is the money a government owes, okay? In the US it exists because the government consistently spends more than it collects in taxes, and that gap is called the deficit. When that happens year after year, you have an accumulation of debt. Now, when debt is low, it’s, it’s pretty manageable, right? But when debt gets very large, it starts to influence policy decisions, and that’s where we are right now. Uh, here’s the key mechanic that I think most people don’t really think about, right? Governments don’t pay off debt the way you and I, you know, pay off our debt, like mortgage or whatever. They always refinance it, right? So when the US government borrows money, it issues bonds. That’s how it does, those bonds have maturity dates, and when you buy a bond, you’re, you know, you’re loaning the government money. So when a bond matures, the government owes that principle back to you. Right? So that’s, that’s kind of how well we talk about, we talk about debt, but the government doesn’t save money over time to pay off that bond. Like, I mean, that’s the way you would think about it for you and me, right? I mean, at some point you’re like, ah, I really need to pay off this debt. I’m just gonna pay it off with this money that I saved. Instead, what they do is when a bond comes due, it issues a new bond and uses the money from that new bond to pay back the old one. Okay. Now, if that sounds familiar, uh, to you, it’s because it’s pretty much what we would call in plain English refinancing, right? Now imagine though, the government issued a bond a few years ago when interest rates were near zero. That bond matures today, interest rates are much higher, right to pay off the old bond. The government issues a new one at today’s higher rates. So the debt doesn’t disappear, it just becomes more expensive to carry, right? I mean, it’s just like you got a mortgage, you know you had a, a great rate, but you only got it for seven years and all of sudden you gotta refinance it. Gosh, all of a sudden that rate went really higher and your payments are much higher, and the debt payments going up, you know, for the government, what adds to that deficit? It’s a really, really vicious cycle. Now, take that process and multiply it across trillions of dollars of debt. Now you can start seeing why interest rates matter so much in a high debt system. Now, what makes this especially important right now is that for over the last several years, the US issued a very large amount of short-term debt. Short-term debt matures quickly, and that means large portions of government debt. Come due every year and have to be refinanced at whatever the interest rate exists at the time. So even if deficit stock growing tomorrow, which they won’t, the government would still need smooth functioning financial markets just to keep refinancing what it al what already exists now. This is why the economy has become so sensitive to interest rates, liquidity and confidence. Higher interest rates increase the cost of refinancing, right? We’ve mentioned that already. And that pushes deficits higher and forces even more borrowing. So I mentioned liquidity. What is that? Well, liquidity is about how easily money moves through the system. When liquidity is good, bonds are easily absorbed. Banks lend markets function normally, and when liquidity dries up, refinancing becomes fragile. That stress. Stress in the market spreads quickly. And then finally, confidence I mentioned too. Why does confidence matter? Well, confidence matters because investors need to believe that the system is gonna hold together. When confidence weakens, guess what happens? Well, what would happen if you think about it with a loan, a higher risk loan? While investors demand higher yields like refinance, it becomes even more expensive. And problems compound fast. Now, this is why Pol policymakers are extremely uncomfortable with high borrowing costs, reduced lending, falling asset values, and deep recessions. Recessions, by the way, don’t make debt easier to manage. They make it harder by reducing tax revenue and worsening debt ratios. Now that brings me to a, something that I am feeling sort of back and forth with. Um. You know, a listener who sent me some commentary about, you know, the fear of going back to 1970s, eighties style interest rates. But the thing is that I just don’t think that comparison works, and here’s why. Okay, so in the 1970s, the US had far less debt. Interest rates could go very high without threatening the government’s ability to refinance itself. Now today, with debt much larger relative to the economy, very high rates don’t just fight inflation. They stress the entire financial structure, right? You can’t just say, oh, we’re gonna make super high rates because the cost of all that debt the government has is gonna be extraordinarily expensive. Now, that doesn’t mean that rates can’t rise. It means policymakers have far less tolerance for how high and how long rates can stay elevated. It’s a completely different system from the 1970s and eighties. So I think trying to put things into that context is probably not, um, not a, a good way to think about it. So why am I fo focusing on this right now? Uh, instead of a few years ago, because again, we stu we didn’t suddenly become a high debt economy this year. So what changed? Well timing a massive amount of debt that was issued at very low interest rates, as I mentioned before, is now maturing and being refinanced at much higher rates, and that shift is no longer theoretical. It’s happening in real time. Last year, much of that low uh, rate, debt was still in place. Interest costs hadn’t fully reset, but going into 2026, they have no, I, I keep talking about, you know, how much we’re paying an interest, right? Because again, that’s a big difference between now and the 1970s when you could have, you know, you didn’t have as much debt so you could pay more interest on it. Right now, the US is now spending roughly a trillion dollars a year just on interest. Her perspective, right? I mean, what’s a trillion dollars? Uh, what does that even mean for the normal person? Well, for Perce perspective, that’s the defense budget. $1 trillion. It’s more than Medicare, more than most major federal programs. And the thing is that money doesn’t do anything, right. It doesn’t create growth. It just services past borrowing. And this is the point where debt stops being background noise, kind of an annoyance that people just say, well, we’ll kick it to the next generation. It start starts actively shaping, uh, policy decisions because it’s, it’s a thing that you gotta pay for. You gotta keep paying for it. So the takeaway I want you to carry forward is simple. We now live in a system where policymakers don’t have the luxury of letting things break when debt is low. Governments can tolerate deep recessions like you saw in the seventies and eighties and long recoveries. When debt is high, they can’t because even small shocks can just really get outta control quickly. And that’s the framework I think, uh, that I’m using as we move into interest rates, inflation, and what all this means for markets going into 2026. So let’s talk about interest rates. You’ve heard me say that I think that interest rates are gonna come down. Um, they’re gonna continue to tick down a little bit. I don’t think a lot, but I do think there’ll probably be at least one more rate cut. I think, you know, you’re probably gonna have some, um, uh, some lowering in the 10 year and, and the bond market in general. Uh, but interest rates are not gonna go back to 2010, right? They just aren’t. And. The 2010s were not normal. There were a very specific period created by very specific conditions, right? Inflation was persistently low, uh, but just wouldn’t go up. Globalization, uh, push prices down. Capital was abundant. Debt levels, well, they were high, but they’re rising, but they hadn’t become what they are now. And because of that, central banks could hold rates near zero without much consequence. That environment, unfortunately, does not exist now. So today, debt is much higher. Inflation risk is real again, and investors expect to be compensated for lending money long term. So even when rates decline from current levels, they do not return, uh, they will not return to where people, uh, anchor them psychologically. If they’re thinking about the 2000 tens, they’re gonna settle higher. Within the 2000 tens baseline, you see policymakers are kind of stuck if rates, uh, say too high for too long. We mentioned this before. Refinancing government debt becomes increasingly expensive. Interest costs rise, deficits, widen, and then you get that financial stress that’s spreads through the credit markets. But if rates are pushed too low for too long, borrowing accelerates. And that’s. When inflation resurfaces and confidence in the currency weakens, so then that’s the tug of war. So policymakers, uh, you know, they, they can no longer choose between high rates and low rates. They’re gonna be choosing how to manage, uh, the trade-offs, right? So what’s gonna happen is that you’re gonna see that rates are gonna move within a range. Uh, they come down when something breaks, they move back up when inflation pressures recurrent. Um, that’s why volatility matters more than the exact. Level of rates going forward, in my opinion. So we’re, we’re not returning to free money. We are also not headed to a permanent 1970 style high rate world. What we are doing is entering a time where borrowing costs matter. Again, refinancing is not guaranteed, and rate swings are part of the system, and that naturally leads to the question of inflation. So once you understand why rates. You know, don’t go back to the 2010. The next question becomes, uh, well, if policymakers can’t keep rates high for long and they can’t push them back to zero either, then what are they actually trying to ac accomplish? Well, the answer is that, that the goal is kind of shifted for decades. Economic policy was focused on disinflation, um, you know, pushing inflation lower and lower. Over time, uh, and inflation was actually treated as a failure, and that made sense. In a world with lower debt in a high debt world, that logic sort of breaks down, right? Deflation, which is actually falling prices, increases the real value of debt. Think about that for a moment. Like just in terms of. You know, you have a mortgage and you know, sometime, you know, your parents might have like a 30 year mortgage or something like that, that they’ve had for 25 years. They’ve been paying it off and it’s great. But the bigger thing to notice is the amount of money that they borrowed is actually very small in real world dollars because it’s, you know, 25 years later. See, inflation is bad when it’s, you know, you’re dealing with it, but inflation is. Good at one other thing, which is it’s good at eroding debt. It will make, uh, the amount of the value of the, you know, the actual money that you owe on debt lower over time. So that’s why you can’t have deflation, right? You can’t have deflation because that increases the real value of the debt. It discourages spending, slows growth and makes refinancing harder. So in today’s system, deflation is way, way more dangerous than moderate inflation. And so because of that inflation really isn’t something that I think is quite as important that has to be eliminated at all costs. That, you know, you have to be right at 2%, which is, you know, kind of what the, the fed his, his target is, right? Instead, what you gotta do is you gotta manage it. Of course, that doesn’t mean you want runaway inflation. What they wanna do is have enough inflation to keep nominal growth positive and prevent debt burdens from become heavier again. Why? What do I mean by that? You gotta have enough inflation to erode the debt that we have, right? So this is why that 2% inflation target should be understood. As, you know, kind of aspirational, but not absolute because having a little higher inflation, yeah, it hurts people. It’s, uh, it hurts people on a day-to-day basis, but actually helps with that. So even at, uh, you know, inflation sell a bit higher than, than, than the, you know, 2% fed target say it’s 4%, it’s actually eroding, uh, you know, it is eroding purchasing power, but it’s also eroding debt. It’s, it’s stabilizing debt dynamics. From the system’s perspective, of course that’s helpful. But for us, we’re paying for things on a day-to-day basis to see the cost of eggs and all that. It’s, it’s frustrating, right? And that tension between system stability and personal cost, it’s one of the defining features of the economy heading into 2026. So when you see policymakers tolerate inflation, uh, longer. Then you think they should or step in quickly When markets kind of wobble, it’s not confusion or incompetence, it’s actually constraint because debt limits the available choices. Rates are managed within a range. Inflation is guided and not eliminated. Now put those together and you get the environment we’re moving into, which is an economy where markets can look. Resilient, even while people feel stretched, right? I mean, that’s kinda what we’re feeling. Everybody’s like, oh, these markets are doing fantastic, you know? But then, you know, you look at consumer confidence, it goes down. It’s been going down every month. This is an environment where asset prices recover faster than wages, and we’re understanding how policy reacts becomes a real advantage. So that’s kind of my macro setup for 2026. Um, you know, with that framework, we can start looking into the first prediction I’ll make. And again, these are not, you know, crazy predictions. Uh, they are just generalized things that I think you’re gonna see. So, like the first one is that the markets will stop being reliable proxy for the economy. You could argue that’s already happened, right? Markets in the economy kind of stopped correlating. We saw it after the financial crisis, right? We saw it very clearly even during COVID. The decoupling itself is not new. What’s new is that that decoupling is no longer temporary. It’s become the baseline that’s become the new normal. Uh, for most of modern history people had a fairly reliable mental model, right? You probably do. If you grew up in the eighties and nineties, uh, as a kid or whatever, when the economy felt bad, layoffs, we growth falling in con incomes, markets usually reflected the pain. Right. Sometimes there was a gap. Sometimes markets recovered a little earlier, but eventually things kinda re converged. The economy healed. We just caught up in the markets and lived experience kinda lined up. Now that’s the model that most people still have in their heads, and that’s why so many people feel so confused right now. I mean, I feel confused by it. So what’s changed going into 2026? You know, it, it is, it’s structural Now. We’re no longer living in a system where policy intervenes only during emergencies. We are, uh, in a system where policy is always on, debt is permanently high, rates are actively managed, inflation is tolerated rather than eliminated. And as a result of that, markets aren’t really necessarily responding primarily to how. The economy feels to people they’re responding. Uh, you know, it’s responding to refinancing needs. Liquidity management. Uh, confidence preservation. That’s a very different signal. COVID is the clearest example of that ship, but it’s, it’s important to understand it correctly. So in 2020, the economy was literally shut down, right? Unemployment exploded. Uh, small businesses were collapsing, right? Like, this is COVID and yet markets bottom quickly. We saw that and then bam. All time highs, even though life kind of felt terrible for a lot of people. And that wasn’t because the economy was healthy, it was because policy overwhelmed fundamentals. And at the time that felt extraordinary. It felt very different. Like this doesn’t make any sense. What’s different now is that we’re still using the same playbook but with out in obvious crisis. So intervention is no longer reactive. It’s, you know, uh, it’s preventative. So what do I predict for 2026? Well, markets are gonna stop being a reliable proxy for economic health. Uh, you, you people can just stop talking about that. Like it, like it, it means anything anymore. Markets going to increasingly reflect how constrained policymakers are and how much liquidity is in the system, and how aggressively risk is being managed. They’re not gonna, the markets are not gonna tell you. About affordability, wage pressure, or whether life feels easier or harder for people. Right. Those are completely gonna, those are, it’s just a standard thing now that those are uncorrelated and the gap is not, uh, abnormal anymore. It’s. The operating environment. So what do you do with that information? Well, for an individual investor, this environment requires a real mindset shift, right? You can’t rely on your gut anymore. You can’t say, man, I feel like this economy doesn’t feel good. So the market’s gonna look at the, I mean, you, you, you know, a lot of people feel like the economy doesn’t feel good to them because of inflation, because of what happened with interest rates and all that stuff, right? But look it, you’ve got. Record breaking, uh, stock market numbers. You can’t rely on your gut anymore. Your gut is telling you the economy feels bad. For many people, that’s absolutely true. Costs are high. Again, things feel tight, and the instinct is to wait to sit in cash. To assume markets would reflect that pain, but that instinct used to work. And in this system it doesn’t because markets are no longer pricing in how the economy feels. They’re pricing policy response. Liquidity and constraints. So if you wait for the economy to feel good before you act, it’s gonna be way too late. So instead of asking, does the economy feel weak, you need to start asking different questions. You need to ask how constrained policymakers are, how quickly liquidity will return if markets wob on it, and where capital tends to flow first when policy steps sit. In other words. You gotta start really thinking about investing, right? Like you gotta, like right now. Now I’ve talked, I’ve beat this over many times before, but you know, you have, if you’re, if you’re saving money right now and you’re looking and you are wondering what to do, look for things that are on sale now. I spent real estate’s on sale right now. Right? Get your money into the markets one way or another. That’s what I would say. Whatever it is that you want to invest in. Don’t let your money just erode because this lack of correlation is, it’s a really, really important thing and it’s, it’s gonna continue to happen and you know what else is gonna happen Because of that, you’re gonna see an increasing widening up the wealth gap. People whose income is tied primarily to wages are, are gonna experience that inflation directly, right? Their money’s trapped in the real economy where costs rise faster than income. But investors on the other hand, have an opportunity to participate in the markets that are supported by this sort of unnatural infrastructure that I just mentioned, right? As asset prices are gonna continue going up. Now, I’m not here to judge whether that’s a good thing or a bad thing, I’m just telling you how it’s functions. So the investor class increasingly benefits from asset appreciation, right? Early access to liquidity. While lower income groups often can participate in that upside. Even as their cost of living rise, because they’re not in the markets, they’re not, they don’t own assets. So again, you have to stop, you know, using how the economy feels is your primary investing signal. If you wanna protect and grow your wealth in this environment, you need to understand how policy reacts, how you know liquidity moves, how assets behave when the system is under constraint. And in other words, uh, you know. Frankly, you just need to be part of the winning class, which is the investor class. Alright, so that’s kind of, uh, hopefully that made sense to you. Here’s another prediction for you, and this is probably more related to some of the things that we talk about usually, but I’ll say that multifamily and commercial real estate are going to finish their washout, and the window is gonna start to really close again. I’ve talked about this. Before, you’ve probably heard me say this, but let’s talk about multifamily and commercial real estate again, because you know, this audience doesn’t need just theory. You’ve already lived through the pain or the past two years you’ve seen deals blow up, capital calls go out, refinancings fail. So the real question going on in 2026 is not whether real estate breaks. It’s already, it already did. It already did. The real question is how much longer this phase lasts and what replaces it. My view is that 2025 into early 2026, um, represents the final phase of this unwind in the beginning of stabilization. I’m not predicting an immediate boom, not a return to 2021 by any means, but the end of obvious distress. So what’s happened already from 2022 to 2024? Multifamily and commercial real estate absorbed the fastest rate shock in modern history. Many of you lived through that. I lived through that. It’s painful. Debt costs doubled or tripled. Cap rates moved hundreds of basis points. You know, bridge debt structures broke, uh, refinancing assumptions collapsed. Now, a lot of the deals, I mean, I would say most of the deals, uh, uh, that, you know, kind of imploded, uh, shared the same DNA, you know, peaking price, uh, purchases, uh, during peak prices in 2021, early 2022. Uh, you know. Floating rate thin or negative cash flow based on, you know, the rates at the time. Maybe it was positive business plans that were really dependent on refi and rent growth. Um, those deals though, have largely already defaulted, recapitalize, or, you know, they’re being quietly handed back. And that matters because markets don’t keep breaking the same wave forever. If, if you’re seeing right now and if you’re in our investor club, you are. 30% discounts on a regular basis. Right? On a regular basis compared to the peak. Don’t assume that’s gonna last. That this is the key point I wanna make very clearly. If you’re looking at multifamily or commercial deals today that are trade trading at that 30% below where they were a couple years ago, you should not assume that window stays opening. Definitely because the level of discount there, uh, the level of discount exists because. Dried up liquidity, uh, because of that violent rate reset, uh, uncertainty. But here’s the thing, markets don’t stay frozen forever and as soon as pricing stabilizes, even at higher cap rates, which are going to be higher than they were, because you’re not gonna see interest rates down at zero, capital is gonna start to move again. And stabilization doesn’t require rates to go back to zero. It just requires some level of predictability. So here’s the sequence of what happens first, you know, the distress slows, uh, you see less and less defaults, and then slowly but surely cap rates stop expanding, right? That alone brings back buyers. Then as rates drift mo lower and volatility declines, lenders reenter selectively, debt becomes a billable again. It’s not cheap. It’s definitely usable and that brings more liquidity. When I say liquidity, in this context, I’m talking about just more deals getting done. And once liquidity returns, cap rates don’t stay wide forever. They compress, right? It’s competition. And again, when they compress, they’re not gonna go back to 2021 levels, but enough to meaningfully lift asset values from distressed pricing. This can happen faster than people expect, right? People underestimate the fact that there is an enormous amount of capital sitting on the sidelines right now in money market funds, short term treasuries, private capital, waiting for clarity. That capital isn’t, you know, permanent. The moment investors believe that rates of peak, that prices of stabilized downside risks is contained, that money starts to chase yield. When it does the transition from, nobody wants this, everyone wants exposure again, can happen surprisingly fast. In other words, I’m not saying I think this will happen in 26, but the shift from a market that is on sale, which I’ve described it as to a market that is starting to look a little frothy, can really be just a couple of years. And in that situation, I’d rather be a net seller, right? You wanna be accumulating. During this phase of for sale so that you can sell in froth. So what this means is that the market is, you know, uh, is not a market to wait for everything to feel perfect, because by the time it does, the obvious discounts are gonna be gone. And if you wait for perfect clarity, you’re gonna be competing, you competing with institutional capital, with large private funds and, and, and yield hungry money coming outta cash. The opportunity is not assuming distress lasts forever. It is. It’s in recognizing when the market is transitioning from forced selling, which is what is happening even now to price discovery. So ultimately, the prediction is this multifamily and commercial real estate, that that washout is completed in 2026 and the window created by distress really starts to close. Deep discounts don’t persist. Once market stabilized, which I think is what’s gonna happen, and then I think you’re gonna start to see a shift. You’re gonna start to see more deals, more liquidity, and that’s gonna return faster than people expect. In other words, this is gonna be the end of, you know, sort of this bargain basement, you know, panic pricing. And once real assets stabilize and liquidity returns, attention inevitably turns, uh, to the currency, those assets are priced in. Which brings us to the prediction number three. That dollar, okay, the dollar doesn’t collapse, but it does continue to erode. It slowly leak, right? Let’s talk about the dollar, ’cause you hear about this all the time, right? A nausea, you hear the, the weakening of the dollar. Um, this is one of those topics that where people tend to jump to extremes. You know, on one side you hear the dollar is about to collapse. On the other side you hear the dollar’s strong and everything’s fine. I think, um, the truth is somewhere in, in the middle. And my prediction for 2026 is simple. Um, again, the dollar doesn’t really explode. It doesn’t get replaced. It can just continues to erode slowly but surely. And that’s how reserve currencies actually behave when debt gets high. Right. So why no collapse, right? Because you got like people out there, uh, worried about the collapse of the US dollar. The US dollar is gonna remain dominant, not because it’s perfect, but because there’s no real alternative at scale. There just isn’t. Okay? There’s no other currency with markets as deep, as liquid and as widely used for trade debt and collateral. So, you know, reserve currencies, you know, you hear about the, the worry about us being the reserve currency. Well, reserve currencies don’t disappear overnight. They erode gradually, but they don’t disappear overnight. And that erosion shows up not as a crash, but again as persistent inflation, right? It’s rising, you know, real asset prices, which is again, where you wanna be, and a slow loss of purchasing power over time. Again, that brings us back to the whole issue of debt we were talking about, right? So in a highly indebted system, policymakers are not incentivized to aggressively defend the currency at all costs, right? So very high interest rates might strengthen the dollar in the short term, but they also make debt harder to service and financial stress worse, right? So instead of choosing strength or collapse. Um, you know, policy drifts towards tolerance, right? Inflation is allowed to run a little hotter than people expect, because again, it’s gonna erode that debt. The currency weakens slowly, therefore, rather than violently, right? Again, currency weakening. It’s that, it, it’s so entwined with this idea of inflation because debt becomes easier to manage in real terms. And one of the things I hear, and I’ve been sort of in these conversations back and forth with, um. At least one of you out there, uh, in, in emails is that, you know, I hear, uh, that, that, that there’s a, a serious problem for interest rates because of, you know, China, uh, selling US treasuries. And because of that you might get the collapse of the dollar. In fact, in this conversation, it was not only about China, but also Europe. Which, you know, I hadn’t actually heard anybody mention that before, but I guess that’s out there in the ecosystem and some of the newsletters. Now, all that sounds scary, but it really misunderstands how the system actually works. What exactly happens when someone or a country sells treasuries? Well, they don’t dis, they, they don’t just destroy the dollars. What they’re doing is they just swap $1 asset for another, right? The dollars don’t even lead the system. They change hands. So this idea of China selling off all it t trade, well, China’s been, uh, reducing its treasury holdings for years and the dollar hasn’t collapsed. The market absorbed it because treasuries are the deepest, most liquid market in the world. And then this idea of Europe, of of Europe actually dumping treasuries because, you know, they’re not happy with Donald Trump and what he’s doing in Ukraine and all that, that would be an absolute nightmare for, for Europe. That would hurt their own economy. That’s the last thing that an indebted government wants. So foreign selling, yeah, sure it’s gonna move yields, but it, it’s not gonna implode the dollar. But the reality of the, uh, erosion of the dollar is real. I don’t think anybody questions that anymore, and I think that is another reason that you need to be buying. Real assets. You need to be buying equity. You need to be on the side of the investor class. Okay? That’s, that’s how you combat all of this. So the real takeaway here ultimately is that, you know, it isn’t, uh, to abandon the dollar, right? It isn’t. It’s, it’s just to stop pretending that holding cash is neutral. It’s not, it, most of your wall suits and assets that, that can’t adjust. You know, they can’t grow as, you know, as, as asset prices grow, then you’re making a bet on currency stability that literally no one believes is, is going to be the base standard anymore. Everybody knows, every economist, every country, every everywhere knows that these currencies are eroding. You don’t freak out about the dollar, but don’t, don’t, don’t be like heavily in dollars. Start getting into the markets. Alright, well, you know, I’m talking a lot about esoteric macro stuff, but let’s kind of get into some stuff that you might think is fun, more fun maybe. Okay. You, a lot of you are into Bitcoin. Well, I think that, you know, Bitcoin is gonna continue to mature. And the next look, leg up looks like, you know, because of more adoption, not because of hype, which isn’t maybe not as, as, as fast and violent, but it’s, it’s, it’s a lot more predictable. For those of you who are still unfortunately listening to the likes of Peter Schiff about Bitcoin, you gotta stop doing that because Bitcoin is not tulips. Right? A lot of people still talk about it like it’s a fad that could just vanish. We’re long past that phase. Bitcoin is, is, is a $2 trillion asset and in the history of the world, there has never been a $2 trillion asset that went to zero. Is it volatile? Yeah, it is. It can absolutely continue to be wildly volatile, but you’re not going to zero. And my prediction is not overly crazy. It’s just that. Bitcoin is going to continue to increase in price, but it’s not become, not because of speculative, uh, you know, because it’s a speculative trade anymore, right? I think it’s because of adoption. Uh, adoption is going to become the real meaningful driver of market capitalization. So what do I mean by that? It just means more people are seeing it as a real asset, and it has to become, when it becomes a real asset class, everyone has to have some of it. Every major institution has to have some of it because it’s an its own asset class. And when they do that, it just drives up the entire market capitalization of that asset. And when you have an asset that has a finite amount, which in the case of Bitcoin, there will never be more than 21 million Bitcoin. You have constant adoption, constant slow, but persistent growth in market capitalization, the asset has to become more expensive. Now, what do I mean by this adoption? Well, places that you would never think in a million years, a few years ago, that that would be buying Bitcoin or you know, ETFs, B to Bitcoin ETFs are doing. So Harvard. Harvard is a great example. Because it’s not, it’s not crypto influencer, right? It’s actually one of the most conservative, brand sensitive pools of capital in the world. But their endowment management, uh, disclosed roughly 443, uh, million dollars in its position in BlackRock, uh, BlackRock, iShares Bitcoin, Bitcoin Trust, which is ibi for those of you who, who, uh, don’t know, that’s how you can just go to your New York Stock Exchange and, and buy. Bitcoin ETFs with ibit. Now, whether you love this whole Bitcoin idea or hate it or whatever, that’s a signal that is increasingly treated like a portfolio asset. It’s not a fringe experiment, and it’s not only universities. Uh, institutional comfort is it’s just there, right? Um, custody, uh, custody regulated vehicles, positioning, size, risk controls, those kinds of things are all become part of the Bitcoin uh, environment. Many countries are already holding meaningful amounts of Bitcoin. Uh, even the US has, there’s a, there is a formalized Bitcoin reserve. Now we aren’t actively buying it, but here’s an interesting thing with Bitcoin, you can, when it is, uh, the way that the US is accumulating Bitcoin is through seizures. Alright? Bad guy gets caught. His boats, his house and his Bitcoin get, uh, confiscated. So the US will sell the house, they will sell the gold, they will sell the boats, but they will keep the Bitcoin. What does that tell you? You know? And, and there’s a lot of nations that are actually openly holding and, and buying Bitcoin. I mentioned the US China. This always seems to be, uh, you know, anti Bitcoin. Well, they actually own quite a bit the UK, Ukraine, Bhutan, El Salvador. Bottom line is there’s a big change in narrative, right? That this is a real asset. So this is something that, you know, even if it’s 1% of a major, uh, institution’s assets or less than that, or whatever, it’s part of it. And that adoption alone can move prices from, from here. And that’s what I think a lot of people miss because they’re like, well, you already had a big move and you know, instead a hundred, it’s 80 or 90 or a hundred, whatever. It’s, it’s not going much better, bigger than that. Well, Bitcoin is, is actually really small relative to global pools of capital. So at this stage, adoption alone. Not even the crazy mania of the past can make a non-trivial increase in market capitalization and therefore a mark, you know, a non-trivial increase in the actual price of Bitcoin. All it’s gonna take, and you’re gonna see this, you’re gonna see more endowments, you’re gonna see more sovereign wealth pool, pensions, mod model portfolios, all they guys daisy side, when you know, even with a small allocation. It doesn’t take too much to overwhelm the available float because Bitcoin is scarce and a lot of it’s held tightly. So as far as Bitcoin goes, what do I think is gonna happen? I believe all time highs are gonna get challenged. They’re gonna get broken again in 2026, not because again, everyone’s suddenly becoming a crypto maximas, but because adoptions could just gonna continue to grow. The wild card, I should say, is that the US moving from, we hold. What we seized in terms of Bitcoin to actively acquiring reserves could be enormous catalyst. And there is a lot of talk about this right now. Um, if the market ever believes that the US is a consistent buyer, even in a constrained budget neutral way, that changes the psychology fast. And in that scenario, I think 200,000 plus, uh, $200,000 plus Bitcoin by the end of 2026 becomes very plausible. Zooming out. I’ve said this before, you may think I’m crazy, but again, because of adoption, I think that Bitcoin is at a million dollars five to seven years from now. So what does that mean for you? Well, I mean, I think at the end of the day, if you don’t own some, you might want to, I’m not gonna give you financial advice, but again, just like Harvard’s doing it, you know, major, major endowments are saying, well. You know, maybe we’ll just buy, like, you know, 2% of that, 2% of our, our, uh, endowment will be made of something like that, right? Uh, you know, it’s just even a very small amount, but exposure to it makes a lot of sense. So I think that is something to highly consider if you are still on zero when it comes to Bitcoin. All right, now here’s my last, uh, prediction. You may have heard me talking about this before as well, that AI becomes a deflationary force that policy makers finally wake up to. And I think this is actually one of the most important and misunderstood economic developments, um, that is currently already out there. But I think it’s, it’s gonna be really recognized. By the end of 2026. Okay. Artificial intelligence is gonna stop being just a tech story, and it’s gonna become a macroeconomic story. I think that by the end of 2026, artificial intelligence is clearly, uh, you know, it’s clearly, um, going to be boosting corporate earnings while beginning to materially reshape the labor force. Um, and what’s gonna happen is that central banks and policymakers are gonna start treating it. Is a genuinely deflationary force over the next several years, and they’re gonna try to have to figure out what to do about it. And again, going back to our earlier conversation, because deflation is really a real problem for a country with an enormous amount of debt. So let’s get a little bit into the whole deflationary uh, conversation. So artificial intelligence at its core is a productivity machine, right? It allows companies to produce more. Without, with fewer inputs, fewer hours, fewer people, fewer stakes and productivity always shows up in profits before it shows up in everyday life. Right now, lower cost per transaction, faster execution, fewer people doing the same amount of work, widening margins without price increases. That’s the tell. That’s when profits rise without raising prices, something deflationary is happening underneath the surface. The biggest impact there is the labor market, right? It’s gonna be impossible to ignore. And this is where the conversation really shifts because artificial intelligence doesn’t need to eliminate jobs outright to matter. It only needs to reduce the number of people required to do it, right? So you’re thinking the labor markets, you’re gonna see a lot of this. You’re gonna see more slowing in hiring. Um, even while productivity expectations rise, and I think by late 2026, the public conversation is gonna change from will artificial intelligence affects jobs someday to why aren’t companies hiring the way they used to? And of course, that’s when people are gonna start paying attention and they’re gonna notice it’s deflationary because it’s going to be because artificial intelligence is gonna push down the cost. Of services, administration, customer support, research, and eventually decision making itself. That’s why it’s, it’s deflationary, it’s structural, right? Just think of all those things you can do for so much cheaper. That is what deflation is, right? And again, we mentioned before deflation is not something central banks are comfortable with because of debt and because debt heavy systems rely on nominal growth. Deflation makes debt heavier in real terms as opposed to what we said before, which is that inflation actually erodes debt. And that is a, a very, very challenging problem. And by 2026, I think you’re gonna hear a lot about this, you know, policy problem that we have. Which is innovation versus, you know, deflation. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide finance. Financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Alright, well, so that’s basically it for my, uh, predictions. And I know I’ve kind of. Off on many different tangents, so hopefully it’s useful to you at least to start thinking and doing some of your own research. Bottom line is this, I mean, as, as a investor, what can you do? I think the big story here is understanding that, um, you need to be out of the dollar and into the investor class because that that widening gap between those who have. Who own things, who own assets, and those who do not is gonna continue to widen. And so, you know, my best, uh, won’t call it advice, but my own belief is that it is a, it is a very good time to look around and look for assets that are underpriced because I think everything is going to expand and it’s gonna ex expand. Uh, and you don’t wanna be caught, you know, on the, uh, dollar side of that equation. So. That’s it for me this week on Wealth Formula Podcast. Happy New Year. I’ll see you next week. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

Patriots Drake Maye Vrabel WEEI WBZ-FM Sports Hub Felger and Mazz Ratings Greenland, Cuba, Venezuela Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This episode opens the year with one of the most consequential—and complicated—weeks in GLP-1 obesity medicine. We break down three stories that, taken together, reveal why patients are increasingly reading past headlines and demanding accountability from the industry. First, we examine early-phase trial data from Arrowhead Pharmaceuticals, after headlines claimed its experimental INHBE-targeting therapy “nearly doubled” the weight loss of Zepbound. We walk through what the data actually showed, why the comparison was misleading, how trial design and dosing matter, and why Phase 1 results should never be treated as superiority claims. Next, we turn to a major access milestone: the official launch of oral Wegovy, the first FDA-approved GLP-1 pill for obesity from Novo Nordisk. We discuss how this pill differs from compounded oral semaglutide, why its pricing strategy is so disruptive, and what this launch means for people who have avoided injectable medications. We also explore how direct-to-consumer access, telehealth partnerships, and retail pharmacy distribution signal a broader shift in how obesity care is being delivered. Finally, we address the most ironic—and uncomfortable—story of the week: manufacturing quality concerns involving branded Wegovy pens, reported to include biological particulate matter, at the same time Novo Nordisk continues a years-long public and legal campaign against compounded GLP-1 medications on safety grounds. We discuss FDA inspection history, the acquisition of Catalent, and why credibility depends on consistency—especially when millions of patients are paying close attention. This episode isn't anti-pharma or pharma-friendly. It's patient-first. And it asks a simple question: Who do we trust when science, marketing, access, and manufacturing all collide at once? Episode Timestamps 00:00 — Why this first episode of 2026 matters 02:10 — Hair found in Wegovy pens and why patients notice hypocrisy 06:15 — Arrowhead trial headlines vs. what the data actually shows 11:40 — Why tirzepatide dosing and trial design matter 17:30 — What INHBE targeting may actually be good for (and what it's not) 21:45 — Sponsor: SHED and access pathways for obesity care 25:10 — Oral Wegovy officially launches: what's different this time 30:20 — How the Wegovy pill works and why bioavailability matters 35:40 — Pricing, telehealth, Costco, and direct-to-consumer access 41:50 — Why pills lower barriers for millions of patients 46:10 — Manufacturing quality, Catalent, and FDA citations 52:30 — Why safety arguments against compounding are being scrutinized 58:40 — Zooming out: access, accountability, and patient trust 1:02:00 — Final thoughts and what to watch next Topics Covered GLP-1 trial hype vs. real-world context Phase 1 data limitations and headline inflation Tirzepatide dosing and misleading comparisons Oral Wegovy vs. compounded oral semaglutide GLP-1 pill pricing and insurance implications Direct-to-consumer pharma and telehealth disruption Manufacturing quality and FDA oversight Compounding pharmacies and healthcare system resilience Patient trust, transparency, and credibility in obesity medicine Useful Links & Resources On The Pen Links & Advocacy: https://otplinks.com Sponsor – SHED (use code OTP25): https://tryshed.com FDA Drug Safety & Recalls: https://www.fda.gov/drugs Follow On The Pen: YouTube: https://youtube.com/@onthepen Substack: https://onthepen.substack.com Support the Show If this episode helped you better understand what's really happening in obesity medicine: Leave a 5-star rating and review Hit Subscribe so you don't miss future episodes Join us live Mondays, Wednesdays, and Fridays at 12pm Eastern on YouTube Patients deserve clarity. That's what we're here for. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Lithium, a crucial input in the batteries powering electric vehicles, has the potential to save the world from climate change. But even green solutions come at a cost. Mining lithium is environmentally destructive. We therefore confront a dilemma: Is it possible to save the world by harming it in the process? Having spent over a decade researching mining and oil sectors in Latin America, Thea Riofrancos is a leading voice on resource extraction. In this episode, we discuss her 2025 book Extraction: The Frontiers of Green Capitalism, in which she draws on groundbreaking fieldwork on the global race for lithium. Taking readers from the breathtaking salt flats of Chile's Atacama Desert to Nevada's glorious Silver Peak Range to the rolling hills of the Barroso Region of Portugal, the book reveals the social and environmental costs of “critical minerals.” She takes stock of new policy paradigms in the Global South, where governments seek to leverage mineral assets to jumpstart green development. Zooming out from lithium, we also discuss the evolving geopolitics and geoeconomics of energy transition, critical minerals, and green technology supply chains. — Thea Riofrancos is an Associate Professor of Political Science at Providence College, a Strategic Co-Director of the Climate and Community Institute, and a fellow at the Transnational Institute. Her research focuses on resource extraction, climate change, the energy transition, the global lithium sector, green technologies, social movements, and the Latin American left. She explored these themes in her book, Resource Radicals: From Petro-Nationalism to Post-Extractivism in Ecuador (Duke University Press, 2020), peer-reviewed articles in Cultural Studies, World Politics, and Global Environmental Politics, and her coauthored book, A Planet to Win: Why We Need a Green New Deal (Verso Books, 2019). Her essays have appeared in outlets including The New York Times, Financial Times, The Washington Post, Foreign Policy, The Guardian, and more. Thea's latest book, which we discuss on this episode, is Extraction: The Frontiers of Green Capitalism (W.W. Norton 2025). Extraction: The Frontiers of Green Capitalism (W.W. Norton 2025) The Security–Sustainability Nexus: Lithium Onshoring in the Global North in Global Environmental Politics 2022 Resource Radicals: From Petro-Nationalism to Post-Extractivism in Ecuador (Duke University Press, 2020) A Planet to Win: Why We Need a Green New Deal (Verso Books, 2019) Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Lithium, a crucial input in the batteries powering electric vehicles, has the potential to save the world from climate change. But even green solutions come at a cost. Mining lithium is environmentally destructive. We therefore confront a dilemma: Is it possible to save the world by harming it in the process? Having spent over a decade researching mining and oil sectors in Latin America, Thea Riofrancos is a leading voice on resource extraction. In this episode, we discuss her 2025 book Extraction: The Frontiers of Green Capitalism, in which she draws on groundbreaking fieldwork on the global race for lithium. Taking readers from the breathtaking salt flats of Chile's Atacama Desert to Nevada's glorious Silver Peak Range to the rolling hills of the Barroso Region of Portugal, the book reveals the social and environmental costs of “critical minerals.” She takes stock of new policy paradigms in the Global South, where governments seek to leverage mineral assets to jumpstart green development. Zooming out from lithium, we also discuss the evolving geopolitics and geoeconomics of energy transition, critical minerals, and green technology supply chains. — Thea Riofrancos is an Associate Professor of Political Science at Providence College, a Strategic Co-Director of the Climate and Community Institute, and a fellow at the Transnational Institute. Her research focuses on resource extraction, climate change, the energy transition, the global lithium sector, green technologies, social movements, and the Latin American left. She explored these themes in her book, Resource Radicals: From Petro-Nationalism to Post-Extractivism in Ecuador (Duke University Press, 2020), peer-reviewed articles in Cultural Studies, World Politics, and Global Environmental Politics, and her coauthored book, A Planet to Win: Why We Need a Green New Deal (Verso Books, 2019). Her essays have appeared in outlets including The New York Times, Financial Times, The Washington Post, Foreign Policy, The Guardian, and more. Thea's latest book, which we discuss on this episode, is Extraction: The Frontiers of Green Capitalism (W.W. Norton 2025). Extraction: The Frontiers of Green Capitalism (W.W. Norton 2025) The Security–Sustainability Nexus: Lithium Onshoring in the Global North in Global Environmental Politics 2022 Resource Radicals: From Petro-Nationalism to Post-Extractivism in Ecuador (Duke University Press, 2020) A Planet to Win: Why We Need a Green New Deal (Verso Books, 2019) Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/latin-american-studies

Lithium, a crucial input in the batteries powering electric vehicles, has the potential to save the world from climate change. But even green solutions come at a cost. Mining lithium is environmentally destructive. We therefore confront a dilemma: Is it possible to save the world by harming it in the process? Having spent over a decade researching mining and oil sectors in Latin America, Thea Riofrancos is a leading voice on resource extraction. In this episode, we discuss her 2025 book Extraction: The Frontiers of Green Capitalism, in which she draws on groundbreaking fieldwork on the global race for lithium. Taking readers from the breathtaking salt flats of Chile's Atacama Desert to Nevada's glorious Silver Peak Range to the rolling hills of the Barroso Region of Portugal, the book reveals the social and environmental costs of “critical minerals.” She takes stock of new policy paradigms in the Global South, where governments seek to leverage mineral assets to jumpstart green development. Zooming out from lithium, we also discuss the evolving geopolitics and geoeconomics of energy transition, critical minerals, and green technology supply chains. — Thea Riofrancos is an Associate Professor of Political Science at Providence College, a Strategic Co-Director of the Climate and Community Institute, and a fellow at the Transnational Institute. Her research focuses on resource extraction, climate change, the energy transition, the global lithium sector, green technologies, social movements, and the Latin American left. She explored these themes in her book, Resource Radicals: From Petro-Nationalism to Post-Extractivism in Ecuador (Duke University Press, 2020), peer-reviewed articles in Cultural Studies, World Politics, and Global Environmental Politics, and her coauthored book, A Planet to Win: Why We Need a Green New Deal (Verso Books, 2019). Her essays have appeared in outlets including The New York Times, Financial Times, The Washington Post, Foreign Policy, The Guardian, and more. Thea's latest book, which we discuss on this episode, is Extraction: The Frontiers of Green Capitalism (W.W. Norton 2025). Extraction: The Frontiers of Green Capitalism (W.W. Norton 2025) The Security–Sustainability Nexus: Lithium Onshoring in the Global North in Global Environmental Politics 2022 Resource Radicals: From Petro-Nationalism to Post-Extractivism in Ecuador (Duke University Press, 2020) A Planet to Win: Why We Need a Green New Deal (Verso Books, 2019) Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/critical-theory

On this week’s Monday NFL Football recap, Will Compton and Taylor Lewan break down all the biggest storylines heading into another crucial slate of games as the playoff picture continues to take shape. The boys kick things off with Ravens vs. Steelers, diving into what this matchup means for the AFC North and how both teams are trending at this point in the season. From there, they preview Chargers vs. Patriots, looking at what to expect from each side and where both teams stand as the year winds down. The conversation then shifts to Sam Darnold, as Will and Taylor debate whether he can truly get it done when the pressure is on. Zooming out, the guys talk NFC momentum and why the conference still feels wide open, before breaking down Packers vs. Bears, including what they’re seeing from both teams and how the rivalry continues to evolve. To close things out, they turn their attention to AFC momentum, discussing which teams are peaking at the right time and who they trust heading into the playoff push. As always, it’s a full breakdown of the games, the narratives, and what actually matters as the season rolls on. Timestamp Chapters: 0:00 Open 1:29 Ravens v Steelers 5:04 Chargers v Patriots Preview 9:14 Can Sam Darnold Get It Done? 13:44 NFC Momentum 25:24 Packers v Bears 29:55 AFC Momentum 44:50 #TierTalk 1:07:00 Jim Beam - Taste Of The Offseason See omnystudio.com/listener for privacy information.

For a special edition of The Gateway Podcast, Abby Llorico sits down with STLPR's Visuals Editor, Brian Munoz, for a closer look at the stories behind some of the most poignant and important images from our team this year. We'll be back in your feed with news storytelling January 2.

Jamie Merchant, the author of Endgame, joins us to talk about the current chaos. Start with the spectacle and you miss the structure. We step past the daily outrage to map Trumpism as a regime built by a new insurgent fraction of capital—tech oligarchs, private equity, and venture investors—who are eager to smash norms, rewrite rules, and route public money through tariffs, defense contracts, and boutique industrial policy. Their rise squeezes out the old asset-management establishment, pushes it toward the Democrats, and locks the opposition into a politics of “normality” that cannot mobilize the base or contest power.We trace the media's role in this shift: a long slide from public-service reporting to algorithmic engagement that rewards emotional spikes and partisan framing. Biden's term tried to stabilize the system with CHIPS, infrastructure, and managed globalization, but even light-touch AI regulation, the SVB collapse, and worker pushback inside tech drove Valley elites rightward. Meanwhile, the stock market's euphoria masks a real economy straining under a profitability crisis. AI's massive data-center build may juice capex and energy demand, but unless it raises productivity broadly, we're sitting on a bubble that deepens monopoly dynamics without delivering shared growth.Zooming out, we argue we're living through a new state-capitalist era with less capacity: the government takes bigger stakes, centralizes power in the executive, and leans on tariffs as revenue, even as planning expertise and administrative muscle erode. The postwar managerial state—Keynesian levers, technocratic confidence, public legitimacy—is gone. That's why policy-first left populism keeps hitting a wall. Without a living, rooted class subject, electoral surges can't endure. We sketch a different route: rebuild working-class civil society—mutual aid, cultural institutions, education, and cross-sector networks that bridge immigrants, service workers, industrial remnants, and professionals. Strategy begins where the regime is weakest: in the social substrate it can't manage or monetize.Hear candid takes on the investor realignment behind Trumpism, the AI bubble loop, why Democrats are structurally stuck, and how to make organizing matter when the state can't—or won't—govern for the whole. If this resonates, share it with a friend, subscribe, and leave a review to help others find the show.Send us a text Musis by Bitterlake, Used with Permission, all rights to BitterlakeSupport the showCrew:Host: C. Derick VarnIntro and Outro Music by Bitter Lake.Intro Video Design: Jason MylesArt Design: Corn and C. Derick VarnLinks and Social Media:twitter: @varnvlogblue sky: @varnvlog.bsky.socialYou can find the additional streams on YoutubeCurrent Patreon at the Sponsor Tier: Jordan Sheldon, Mark J. Matthews, Lindsay Kimbrough, RedWolf, DRV, Kenneth McKee, JY Chan, Matthew Monahan, Parzival, Adriel Mixon, Buddy Roark, Daniel Petrovic,Julian

Quaranteam - Dave In Dallas: Part 4 Shenanigans: Fun times at House Belsus. Based on a post by RonanJWilkerson, in 12 parts. Listen to the Podcast at Explicit Novels. Let's review the list of characters: David Belsus – 46, physics & astronomy professor at Eastfield college, a community college in the Dallas area. Prepper, survivalist, has a greenhouse in his backyard and lives in an outer ring suburb. Six foot, fit, short cropped hair. Lupie Ramos – 32, former financial advisor, Dave's neighbor, got caught out of state when the lockdowns started. She spent two frantic weeks trying to get back to her daughter. Lupie has been in love with Dave for over a year. Long, dark brown hair, medium build, and a lovely smile. Esme – 9, daughter of Lupie, prone to the occasional snarky comment. Adores Dave. Becca; 18, Lupie's babysitter, was watching Esme when lockdowns occurred. Her refusal to abandon Esme, as her mother insisted, likely saved Becca's life, since her extended family ignored precautions and died of Duo. Esme, Lupie, and Dave are all Becca has left in the world. Short, medium build, small tits, with short blond hair and a smile that is shy with strangers and beams with family and friends. Janice Wheeler; 33, Dave's first partner to arrive, a librarian at Cedar Valley, another community college member of DCCCD. Slender build and medium height, Janice is 3/4 Korean, her paternal grandfather is Anglo. Medium length black hair often pulled back in a bun for work or ponytail at home. Shawna Cooper; 36, senior meteorologist at WFAA, Master's degree in meteorology from O U, worked at NSSL and spent time as a storm chaser. Whole hog sci-fi nut, beginning with Start Trek TNG. 5' 10", large tits, medium brown skin, dark brown eyes, shoulder length black hair styled like a frizzy weeping willow. Olivia Tyler (Liv); 21, senior studying horticulture at Tarleton State University, near Dallas. Daughter of Carter and Janelle, Dave's best friends since college. Had a well-known crush on Dave throughout her teen years. Since her dad was former SF and a survivalist, Liv is skilled with several firearms as well as bladed weapons. Never failed to take a deer any season she's hunted. 5'10" long, dark brown hair, large tits, lightly tanned, brown eyes, and a wide smile. Melanie Ustanich; 22, graduate student in IT at Tarleton, Liv's roommate, recently found a passion for cooking. Spent most of her life in foster homes, Liv's parents accepted her like family the first time she went with Liv on Thanksgiving Break. 5'8" medium length auburn hair, green eyes, small mouth with a ready, mischievous smile. During the interlude, Dave took some time to look over Melanie. He knew less about her than the others, but more than he'd known about Jan or Shawna when they'd shown up on his doorstep. He knew from a glance that she dressed more stylishly than Olivia, though he'd be hard pressed to describe why. He thought both looked great, even if he could tell a difference instinctively. He was always a fan of variety. Silver studs in her ears support three short silver chains each, drawing the eye tantalizingly into the chasm of her russet mane. The verdant green of Mel's satiny top provided the perfect counterpoint to the auburn tones of her hair. The cinched belt securing the crossing panels of her blouse held it together well, yet giving tantalizing views of her medium sized tits. The black slacks clung closely to her well-shaped thighs and calves without the 'painted on' look. "Dave, could you make me one of your 'ginger ales' please?" "Sure, Liv. Anyone else want something?" "Can you make me one of those drinks you made that first time?" Becca asked. "Yeah, that's what Livy is asking for. Seven-Up and Captain Morgan mixed to look like ginger ale." "Oh, okay, then one of those please." "You got it." Dave got to mixing drinks. Jan asked if anyone else wanted wine. All the others voiced their interest, Jan pulled two bottles of blush from the pantry and brought them to the living room. Lupie grabbed wine glasses for each of them and handed them out as Jan poured. Dave watched Becca's first sip carefully. He'd mixed this one normal strength, not the light pour he'd given her last time. Eyes flared, she took a smaller sip than usual, but nodded before setting it on the side table. "Olivia, dear," Lupie asked softly, "I hesitate to ask, but can you tell us about your parents? Should we contact them that you are here, or, are they; ?" "Dad died six weeks ago. Mom passed a week later." Olivia took another sip. Melanie hugged her loosely. Olivia's voice took on a husky note. "She called me, near the end. She told me Dad had died. That she was very ill and wasn't; wasn't, ah,; She knew she wouldn't make it." One hot tear dallied along the top curve of her cheek before coursing downward. Dave took her hand. "She said I should pursue my dreams. All of them." Livy looked Dave dead in the eyes. "She said she'd known for a long time it was more than a crush, that she was sorry she'd belittled it by calling it that. And then ;” Olivia sucked in a breath. Mel hugged Olivia again. "We're all here for you. Let it out at your own pace." Lupie encouraged softly. "She said 'Love him. Love him like I never did. Love him like he deserves.' And then she closed the call." A hard sob shook through Olivia as more tears fell. Dave and Mel hugged her, one from each side. Dave did so while looking at the ceiling with a distant gaze. After several minutes of silence, Jan got up for a second plate. Dave stood to join her. "My mind still doesn't want to eat, but my stomach got a taste of that bruschetta and wants more. Of that, and everything else." Jan smiled and gave him a quick kiss, which he returned. "Can you tell us something about Eddie?" Shawna asked after Dave sat back down. Dave thought for a minute. Slowly, a proud smile spread across his face. "His Eagle project." Olivia smiled and nodded. "Eddie was an Eagle Scout?" Jan asked. "Yes, he was. Got his Arrow of Light as a Webelo too." Livy provided. "Eddie and I were just beginning to reconnect when he began working on his Eagle rank. For his project, he decided to build a foot bridge across the stream in the park." "Armadillo park? The bridge on the south end?" Becca asked. Dave smiled broadly. "That's the one. Before that bridge, anyone walking the path and crossing the bridge at the north end would have to turn around when they hit the ends of the u-shaped path. For some folks, that was more walking than they could handle, so they wound up getting less exercise, or taking their walks in the few areas with sidewalks or walk along the side of the road. Either way they got very little 'green time'. He found a bridge design appropriate for the location, one that would last with little maintenance and convinced a local construction company to donate materials. He met with the city manager and then spoke before the city council to arrange an agreement for maintenance." "The foreman of the construction company and his best concrete specialist offered their services to supervise the volunteer workers and ensure the quality of the work. I think Eddie had a hand in that." Dave's pride in his son couldn't have been any louder on his face. "The kicker was, he vetted the design to make sure the angle of the curve was suitable for someone in a wheelchair. So at the ribbon cutting, the young lady that cut the ribbon, and the first to cross was in Eddie's class. I think she wound up the class Salutatorian. Anyway, she was paraplegic, lost the use of her legs in an accident during her eighth grade year." Dave paused. "I think she and Eddie started dating not long after." Olivia snorted. "They were already dating. I think that night was the first time she gave him the goods though." "Go Eddie." Shawna said huskily. "Seriously?" Dave asked Olivia. "Pretty sure. Not 100%. I mean, I know they did it. Like a lot. Once they opened up that part of the relationship they were like bunnies. I'm not absolutely sure that night was the first night though." "Hell, I was nineteen before my first time. He was always better with people than I ever was." Dave's looked wistfully into the distance, like he was seeing through the walls at something beyond. Then he swallowed hard. He took a steadying breath and blew it out slowly. Becca rubbed his shoulder lightly before giving it a soft kiss. Dave smiled at her, then leaned in to deliver a light peck on her cheek. He looked outward again, scanning across the room. "Thank you all for putting up with this. I'm sorry for acting like such a p--" Becca pressed a finger firmly to Dave's lips. "If that word crosses your lips, you'd better be talking about our body parts. The man that I've watched, relied on, and come to trust implicitly sure as hell isn't one of those. And he deserves better than that." The fire in her red-rimmed eyes put the punctuation to her statement. Dave just nodded in concession to his young lover's demand. With an impish grin she added, "And for the record, anytime we're getting frisky, or flirting, I'm perfectly happy with you calling it: or me: a pussy." She grabbed his hand and shoved it between her shorts-clad legs for emphasis. Becca's addendum broke the somber mood of the room. Everyone got a good laugh. A brief quiet descended as everyone ate a few bites or stared into their drink. Dave looked up to see Jan and Lupie gazing at him, concern and sympathy clearly written across both of their faces. "Well, Becca, since you have some history with our man, tell me something to catch me up with all of you." Shawna requested. "Oh, tell her about the cupcake exchange." Jan suggested. "Dave told me about it while the two of you were getting vaxxed." "Oh that one she told me already. Good story." "Okay, so something new." Becca paused, then blushed. She bit her lip and looked sideways at Dave and cringed. Then she flicked her eyes to Lupie. Lupie caught the look and rolled her eyes. "Go ahead." She said with a sigh. Then she turned her face away. "So, um, you know how Dave runs a couple times a week, and works out with his staff in the backyard about as often?" Shawna nodded at Becca's narrative, then turned to give Dave an appreciative leer. "Ahem, well, it's cooler now, so he does he work outs in a t-shirt and shorts." Shawna nodded again, then stared at Dave's torso like she was imaging him bare chested and sweating. Well, she'd seen him shirtless often enough. Melanie's breathing became slightly deeper and slower as she sized him up as well. "Well, remember we used to live next door. And Lupie's second story windows are high enough to see over Dave's fence." Mel, Shawna, and Jan all looked at each other. "Oh." They said in unison. "You lucky bitches." Jan added. Dave's mind was working at a slower pace and caught up a moment later. He closed his eyes and shook his head. With a small grin. "Well, that's not all of it. See, I made no pretense about watching him work out. I mean, mid-August, heat pounding down? Ten minutes into his work out his whole torso is covered in sweat, with rivulets running down his front and back." Shawna looked transfixed. Jan had her eyes closed. Mel tightly gripped her thighs, staring intently. "Usually I watched from one of the back windows, and just put up with the oblique angle. One day, a few months back, I realize it's very quiet in the house, and I seem to be the only one on the second floor. I decided to move over to Lupie's room, which is at the back corner, with two windows looking out over the backyard, one on each side of the corner." Lupie blushed hard and brought her hands up to cover her face. "So, there was a small space between the curtain panels and I was staring at Dave through the gap as I walked up. I walked as quietly as I could so Lupie and Esme wouldn't hear my footsteps from downstairs. I pulled back the curtain to get a better view. Lupie was hiding in the curtains, eyes fixed on Dave. We both screamed, and Lupie's hand flapped backwards hitting the window frame." "That's how you bruised your hand?!" Dave exclaimed, trying to suppress his laughter. "You flap your hands around when you're surprised?" "No. Just, um, I, uh ;” Lupie's muffled response trailed off. "She took care to wash her hands thoroughly before she let me bind it." Becca interjected. "Initially we thought she'd hurt her wrist, so I stabilized it. But, I recognized later what I had smelled while we were leaving the room." Lupie peeked between her fingers at Becca, pleading. "Okay, never mind." Becca conceded. "I've said too much already." The others looked confused at the abrupt ending until Melanie burst out laughing. When they looked at her questioningly, she said, "I know what I would be doing standing there watching him work out shirtless." And flopped back into the couch giggling furiously. The others started cackling and Jan, chortling, reached over to pull Lupie into her for a hug. "Not like we all don't do it." Dave sat there open mouthed, shocked, and feeling like he'd won something undefinable. He moved to kneel in front of Lupie. He took her hands in his own, pulling them away from her face. He pulled her into a hug. Into her ear he whispered, "I love you." Her hug on him tightened. "And if I hadn't been so dense I would have been in that room to take care of you properly. Or at least, lick your fingers clean." He punctuated his comment with a light nibble of her earlobe. Lupie swatted him on the back as she released him. Her face was still flushed to the tips of her ears. The tight, prim smile and her laughing eyes testified to her approval of the idea, and her mortification it was said out loud. Even at a whisper. Dave got up and refreshed his drink, and Olivia's as well. Becca sipped hers more slowly, and still had more than half a glass. Jan topped off her wine glass, along with Mel's and Shawna's. Lupie got up and made a fresh plate, then headed for the stairs. "I'm going to take a plate to Esme, just in case she didn't get enough earlier. Besides, if I tell her Dave likes the bruschetta, she might try it." Lupie said with a knowing mom smile. Shawna came to Dave once he was seated. She gave him a soft kiss and held him to her. She spoke no words, but conveyed clearly her heart ache for him, and her availability should he need something. When Lupie returned, she took her seat and looked to Olivia asking "Can you tell me something about your father?" Livy squirmed for a moment, then nodded. She took a breath. "He was a security consultant. Worked for a firm that advised companies on the weak points in their physical and cybersecurity. Dad was on the physical side. He'd been a Green Beret before going to college, where he met Mom and Dave." "Oh, wow. So your dad was a badass?" Becca asked. "Carter was so badass he was chill," Dave interjected. "He had that confidence of the guy that knows he'll win if things get physical. Smart too, though." "Yeah, Dad made supervisor pretty fast. He and his team would walk the grounds of a company and show them where a person could slip in or out without detection. Then the cyber guys would do the same for the company's networks. Sometimes, Dad would have to prove the point. He loved that. He and a couple of his team would don tactical gear and break in. Dad always left a fake tarantula with the company logo on its back on the boss' desk, or somewhere critical." Olivia chuckled. "One time, this one CEO was particularly resistant. Dad had to go in a second time. The first time he left a tarantula on the main server station, and one in the research lab; that by law was required to be restricted access. To drive his point home, Dad went to the CEO's office and installed this box on the ceiling, where most don't look. It had some kind of trigger because once the guy sat down, this tarantula drops on a thread from the box, right on the guy's paperwork." Several smiles broke out. Dave laughed soundlessly, his mouth closed so it didn't become a cry. The tears in his eyes were tattle-tale enough. He absently played with Olivia's dark locks. Olivia turned to look at him, eyes soft and happy. She leaned against his hand. Dave realized what he was doing, got self-conscious and pulled back. With downcast eyes, Liv turned back to the room and took in the other faces. A couple of looks exchanged suggested that most had caught what had just passed. Dave tried to process what just happened by staring off through a blank spot on the wall. It wasn't terribly helpful, once he recalled the picture that hung there just a few weeks before. Then Lupie cleared her throat. Dave fixed his eyes on her. He was never particularly perceptive of the looks on people's faces, but this time it seemed pretty clear. She stared at him with a stern look, then shifted her eyes to Liv and back to him. He looked to Jan, who just nodded. "Maybe someone else can share a family background story." Dave temporized. A few pensive looks passed. A tight smile grew on Jan's face. "My aunt Carolyn." She paused for a second. "My dad's sister. They were half-Korean, half European. Aunt Carolyn took more after the European side of the heritage, especially in the kitchen. She made an awesome meatloaf." She chuckled and looked over at Dave and Becca. "She would have loved that meatloaf cupcake." Her eyes watered at the bottom edge. "Visiting her was a way to encounter the white half of my ancestry. She had prints from famous artists. Classic books. If I was there on a Saturday night, she'd serve cheese and crackers, sometimes with a little sausage. As I got older, she'd let me have a small glass of wine as well." Jan took a light breath. "She played some classical music, but mostly it was Michael Bolton and Kenny G. Maybe some Cranberries and Matchbox Twenty when she felt wild. I haven't heard from her in over a month. And she has asthma." Jan trailed off into silence and the room observed it with her. Lupie reached out a hand to Jan's shoulder. She in turn, put her own hand on top of Lupie's. She turned her head and smiled. With a small nod, she turned away again, staring at the floor. Both hands dropped away. After a reasonable silence, Becca spoke. "When I was thirteen, my cousin Kimberly, who was sixteen, offered to pierce my ears for me." Half the women groaned. Dave sat silently, suspecting this wouldn't end well. "She got a large sewing needle, a bottle of rum, a small bowl, and a pair of my mom's stud earrings." "Rum?" Jan asked. Becca rolled her eyes. "Yeah," she said with a sigh, "she said she had to soak the needle in alcohol before using it." A variety of gasps, groans and sighs walked around the room. Dave's sympathetic grimace did less than his hand patting her knee to communicate his support. "Oh, but it gets worse. Wrong kind of alcohol at too low concentration, plus lots of sugar are only enablers. She cleaned my earlobes thoroughly with antimicrobial soap, so maybe that was the one thing she did almost right. But she didn't clean her own hands. And when she stuck the needle through; which hurt like hell; she stabbed her finger." Multiple hands struck foreheads or mouths. "Oh yeah. So we're both bleeding like stuck pigs, and crying. She's freaking out because 'the blood is mixing'. I never figured out what that meant. We bandage each other up the best we could, hide all the stuff from our parents and then hide ourselves. Three days later I have a raging infection in one earlobe and have to go to the doctor AND admit to my mom what happened." Becca paused, shaking her head. "Chewed my ass out. The doctor said because of the infection, I had to wait at least six months to get piercings. Mom added another six as punishment. She did take me to get professional piercings one year to the day after the doctor's visit though." Becca's eyes watered. Dave leaned over and kissed her cheek as a single tear slid down her face. Dave noticed Melanie getting increasingly fidgety. He thought he first noticed something during Becca's tale about his workouts. Maybe when the stories ran out, he'd have his head right. It wasn't fair to her to make her wait too long for imprinting. Or Liv. God, he really needed to get his head around this. He loved Olivia, he truly did. He was just so used to it being a non-sexual, non-romantic relationship. He'd looked on her as nearly a daughter for, well, for her whole life. But she wasn't his daughter. And she loved him. That was so clear in her eyes, every time she looked at him. Not just today, but thinking back over the years. It's crazy to think he could hurt this person he cared so deeply for, by not having sex with her. Fuck, it was Kim Dawson all over again. Shawna sat placidly, attentive as others told their stories. As the room lay silent again for a time, she took her turn. "I once caught my brother coming out of the shower with his girlfriend." Grins and giggles passed around the room. "Mind you, this is after my mother had chewed me out for getting frisky with, um, my best friend in my room." "Oh" several said in unison. "We were experimenting," she said, shrugging her shoulders. "It was my first Thanksgiving Break home from college. We were just friends, with nothing going on physical, since sixth grade. We were both single at the time, but we'd each had boyfriends, and each had sex before. We just thought we'd try out the other flavor. Who better to try that with than your ride or die?" She grinned. "Mom walked in when we had our shirts loose and hands inside each other's bras. Mom got all pissy about it and made some comment along the lines of 'Darian would never disrespect me by having sex under my roof.' Yeah sure Mom." Shawna rolled her eyes. "The bathroom smelled of" she looked straight at Becca, "pussy, so they'd been going at it in there. Mom wasn't home, so the obvious sounds of continuing humping came from his room almost immediately." "Hell of it is, she was this tiny little thing. Barely five foot tall and a nothing waist. And since I'd seen Darian stumbling around out of the bathroom when we both had midnight potty urges, well, he wasn't great at covering up when he's drowsy, and in his case, the stereotype is true. I don't know how he'd didn't break her in half." "After she left, I confronted him with Mom's comment. Now Darian ain't scared of shit; not a machismo thing, he uses his brain; but Momma. She's a foot shorter and at least a hundred pounds less muscle but that boy will cringe and genuflect if Momma is mad. He starts bargaining with me. Of course, he can't offer money since he's just getting his feet under him. He had plans, and he did eventually move out, but he was scrimping and saving so paying me money to shut up would have crippled him." We all hung there, waiting. "Well, Darian had been incredibly protective of me growing up. He over did it, by a lot. So my price for silence was for him to set me up with a friend of his that I had always wanted to date, but Darian kept getting in the way." She paused for a minute. "You know how you really want something, and imagine what it would be like to get it? And then you do, and ugh. Darian meant to protect me against a guy getting handsy. In this case he was protecting me from getting bored. The guy was about as much fun as a wet paper towel. I gave him a handshake at my door when he dropped me off." All the ladies shook their heads in commiseration. Dave closed his eyes and kept his mouth shut. Becca however, didn't. "Dave, how many of your dates ended in handshakes?" "None, from now on," he said flatly. "You got that right." Shawna said. Jan just shrugged and nodded. Becca and Liv hugged him tightly. Mel rubbed a hand against his back. Lupie sat still with an enigmatic grin. Dave knew there were thoughts churning behind those dark chocolate eyes. While he wondered what those thoughts were, he had a thought of his own. Maybe it was what she was thinking, maybe not. Here he was, sleeping with four women, two more about to be added to their ranks, and he hadn't taken a single one of them on so much as one date. That couldn't stand. Granted, movies and restaurant dinners were out. But they had two backyards to have a picnic meal in. The parks were open too. Maybe the Botanical gardens? He'd need to talk with each one, find out what they wanted, and find a way to make it happen. "Well Becca already told a story for me," Lupie said, breaking the silence. Becca blushed and chuckled. "So Melanie, what can you share with the family?" "I was orphaned so early, I don't really remember my parents. Just a few fuzzy images. I bounced from one foster home to another. One time I got to stay in the same place for two years. Usually it was more like eight to ten months. The social workers tried to at least let me stay in one school for a full year. Some of them anyway." "I don't have any horror stories about it. Other kids I fostered with told me about other homes they've been in, and some of those were bad. So I don't want to suggest it doesn't happen, it just never happened to me. The worst for me was not being connected to anyone for long. Honestly, living with Olivia is the longest I've shared a place with anyone. And she brought me home on holidays." Her face darkened. "Carter and Janelle were nice to me." Then she laughed. "I think Carter suspected I was Liv's lesbian lover though." "Oh my god." Liv rolled her eyes and brought a hand to her forehead, covering her eyes. Only Dave noticed Jan wincing at the hated phrase. Then Mel's face went blank, trying to hold back the intense emotions. "You're the closest I've ever had to a sister." The two college girls hugged. After a brief pause, Dave chimed in. "Now that is a tough life, having Olivia as your sister." Melanie laughed. Olivia turned and punched him in the shoulder, with a tight smile on her face. Laughing and rolling with the punch, Dave couldn't help but notice the way her large tits jiggled with the turn and the force of her punch. When she leaned against him, he found himself wishing her neckline was cut lower. The thought was surprising, and conducive to future events, but still slightly disconcerting. Before he could get too lost in his head, Jan spoke up. "So, how about a story about young Olivia?" she asked. Liv groaned. Dave grinned. "Okay, so we've mentioned before she hunts, hikes, does all kinds of outdoors She-Ra stuff." Liv glared up at him. She adjusted her head so the backs of her round silver stud earrings wouldn't poke her head. Mel rubbed Liv's back reassuringly. "You may have noticed that fishing was not mentioned in that list." "Oh God, no." Liv covered her face with her hands. The grins on every face in the room showed realization dawning in each of the other minds present. "So, Carter and I took Eddie and Liv fishing. Carter preferred drift catfishing, so we'd get out on the lake very early, usually by three am, four if we were running late. We had a small casting net we'd use in the shallows to catch bait fish. Then Carter would take the boat to a point up current from where he suspected the cats would be, and we'd drift across with our hooks in the water. Well, the bait fish had to be cut into two or three pieces to be useful. Olivia objected. But not to cutting the fish. To holding them. She squealed every time we put one in her hands. She loved casting the net and hauling it in. she liked fighting the fish on the rod, put touch one with her hands? Oh, no, not happening." Olivia buried her head in his chest and glared upward. "Oh, did I mention her fishing rod and tackle box were Barbie themed?" A series of giggles followed that assertion. "Don't talk about that!" "But you were cute!" "Shit like that is why you keep seeing me as a little girl for you to protect and raise instead of a woman you could sleep with." Olivia humphed. "Beginning to think the only way to change your mind is to sit here topless. I wait like that long enough and your cock might start taking charge." She accented her words by puffing out her generous chest and turning partially towards Dave. "You go girl," Shawna laughed. "How about some big titty solidarity?" She unbuttoned two buttons on her blouse. Jan joined in the laughter while Lupie shook her head, smiling. Becca stared a chant of 'Do it!' quickly joined by Mel. They both shook their chests in time with the chant. "No." Dave said, staring at Liv with no hint of a smile. He swatted Becca on the knee. "Hmm, what do I need to do to get a spanking Daddy?" Melanie purred. "Do not start that shit." Dave tried to be stern this time but didn't quite manage it. "Speaking of getting something started, I'm getting kinda itchy here. I don't know if either of you are in the mood yet, but this serum is starting to eat at me." Liv and Mel exchanged looks. "I don't want to jump the line on banging your dream guy, but please girl, let's get this started. If you don't go, I will." "Sexier words were never spoken," Dave noted dryly. That got Liv laughing. Dave stood. "Do you two want to do this one at a time, or side-by-side?" "One at a time," Mel stated emphatically. "After walking in on you masturbating once, I don't need to see that pussy again." Liv groaned and turned her head to the ceiling. Then Mel turned to Lupie "hashtag justiceforLupie." She grinned. Lupie just rolled her eyes while Becca laughed. Jan laughed, but reached out a hand to Lupie's shoulder. Dave took Olivia's hand and turned to the stairs. She interlocked her fingers with his and walked beside him with her head against his shoulder. They stayed like that until they reached the bed. Dave turned to face Olivia, placing his hands on her shoulders. She looked into his eyes, hungry, pleading. Dave took a deep, shuddering breath and pushed aside the thoughts of the little girl that kissed him on the check at bedtime as he tucked her into bed. He stared into Olivia's eyes, focusing on the woman in front of him, as she is now, wanting to be with him. She loved him. had for a long time. She had been dedicated to the idea of being with him for life, for longer than, well, any woman in his past or present. The reality of that finally washed over him. His love for her did not need to end or change, merely grow. He had always been hers. Dave pulled Olivia into him and kissed her with passion. Olivia moaned into the kiss. Dave felt her hot tears as their cheeks brushed. He pulled back, their faces parted but close. "I love you Olivia Barnes, always and forever." A heart-rending sob burst from her as her dearest dream manifested. She jumped into his arms, wrapping her legs around his waist, and kissing him fiercely, their tongues dancing. Dave slowly walked them to the edge of the bed and sat her down. Mostly. Olivia was not letting go. Dave tugged at the bottom of her blouse and lifted. Olivia broke the kiss and raised her arms, her legs still clutching him tightly. Dave paused removing her shirt when her lips were exposed, but her eyes still covered. He moved in for a kiss. He felt her grin as their lips moved in unison. Olivia then grabbed Dave's shirt as he finished removing hers. Dave moved to her jeans and quickly removed those as She reached for his waist band. Olivia grasped his pants and boxers as one and removed them. Dave, standing, naked and half-erect. Olivia, seated on the edge of the bed, in a lacy white bra and matching panties. They drank each other in. She looked up at him. "Well, part of you is getting interested," she smirked. "You get all of me, Olivia, just as you always have. I'll show you my love every day. It will just manifest in a few new ways from now on." Olivia scooted up the bed as Dave crawled up, aligning himself over her, kissing as they moved. Dave's hands wandered along her thighs and sides. Olivia's fingers coursed lazily along his back. "Just one request." She gave him an impish look. "When you go get Mel to bring her up here, leave my legs spread so the first thing she sees when she walks in is my pussy." "You're rotten ya know that? I have to live with her too ya know." "She'll laugh. It's just roommate hijinks." Dave returned to kissing Olivia. He moved his lips lower, down her neck, to her collarbone, and then the slopes of her tits. He slipped his hands underneath her, unclasping her bra. Gingerly, he removed it. Olivia's large tits, no longer supported by a bra, formed two delicious lumps on her chest, that looked like they were about to slide off her chest. Olivia's eyes glistened, radiating joy as Dave took her tits in his hands and began kissing them. She moaned as he ministered to her bosom with his mouth. When he took one nipple in his mouth and suckled, she gasped. "Oh, David, Yes!" Pleasure and unbridled joy left her breathing ragged, her mind awash in bliss. His hands remained at her tit, massaging gently, easing her higher with delicate caresses. His mouth proceed lower, kissing her ribs. Her abdomen. Kissing and licking her belly button. She giggled and twisted her torso. Dave brought his hands down to Olivia's hips. He grasped her panties and pulled them down to her ankles, raising himself and her legs up. He tossed them aside and brought his face to kiss the crease of her pelvis and her hip. She shuddered. Her arousal scented the room. Her lovely light brown vulva filled his vision as he breathed softly across her bare essence. The hairs of the small landing strip on her mons tousled in the artificial breeze. She lifted her head to look at him. "David;” she pleaded. He grinned. He locked eyes with her and closed his mouth around her lower lips and began to suckle. Her body arched and she sucked in a breath. His tongue played across her sopping wet slit. He tasted her juices. He nibbled her flowering inner lips. He slipped his tongue into her entrance. "Oh God David Yes! Oh please put it in me." Olivia whimpered. "Darling, you've wanted this night for a long time. I intend to make it worthwhile." "You are enough David, that's al; Ah" she cried out as he took her clitoris in his mouth and suckled. He slid one finger gently inside, massaging her tunnel. Every stroke drew her natural lubricant in greater volume than the last. He inserted as second finger and she moaned, writhing, hips bucking. He released her button and withdrew his fingers. She eased her motions. Dave crawled up her body, a victorious and hungry grin on his face. She beamed, breathing heavily. He caressed and kissed her tits briefly as he moved up. Finally hovering over her, face to face, bodies aligned, his erection resting between them, Dave kissed her once again. She clutched him and returned the kiss. Dave maneuvered his member with his hips, aligning with her fully relaxed and open entrance. He pushed in gently, a small distance just to lodge the tip of his helmet in her. The precum coating his cockhead set off a body-rocking orgasm that stole her breath. When her eyes re-opened, Dave drove himself into her, full length, in one smooth stroke. Her eyes glowed with joy. He began moving himself in and out of her. Slowly at first. Always firmly, gently. Staring into her eyes as he worked them both to ecstasy. He picked up his pace. She began rocking her hips with his. Soon they were pounding into each other, breathing raggedly, eyes still locked, her hands braced behind his shoulders until their passion pushed him over the brink, firing rope after rope of hot cum into her waiting vagina. The effect on Olivia was immediate. A primal scream of pleasure burst from her lips as her body convulsed like a marionette in the hands of an angry child. And then she fell to the bed, limp. "Imprinting,; imprinting,; imprinting, ;” Dave kissed her forehead and extracted himself from her body. He crawled off the bed and left to clean himself in the bathroom. He returned with a damp washcloth to clean her. After dressing in loose shorts and a shirt, he arranged her as she'd requested and left the room shaking his head. Melanie met him at the bottom of the stairs with a passionate kiss and a tight hug. "You need a minute or two?" "Yeah, let me get a drink and I should be fine." He returned the kiss, then slipped from her arms to search out some juice from the fridge. "Oh, I thought you meant you needed a little something to steel yourself for doing me." "Please." Dave guzzled half the glass. "One, you are hot. Two," he blushed a bit, "I have a thing for redheads." Melanie smiled. "Oh yeah?" "Hell, if you had freckles, I'd kiss each one of them." That made her blush. After Dave finished off a second glass of juice, he and Melanie headed upstairs, pursued by catcalls and wolf whistles. Esme, who'd been invited into the living room after Dave and Olivia had gone upstairs, just laughed at the shenanigans. Opening the door, Melanie exclaimed, "Oh my god, you left; " she pursed her lips. "No, she put you up to this didn't she?" Dave chuckled and grabbed a light blanket. "No," Melanie said, "save that to cover us both when you finish with me." She cupped her hand under one of Liv's shapely thighs and brought the leg over the other, giving her friend a bit of modesty she hadn't asked for. Dave noticed that her hand seemed to linger just a bit on Liv's thigh. It certainly looked like Mel gave her rump a light squeeze. Maybe he just imagined it. She turned to face him. "Reading between the lines, from everything Liv's told me, you don't think you deserve any of us, do you?" Dave swallowed hard, trying not to react. "I'm going to tell you something harsh and reassuring. You don't. And you know something else? We don't deserve your love either. I learned bouncing around those homes that love isn't earned. It's too valuable to be earned. No one is ever worthy of someone else's love. Body, heart, or mind. Love is a gift. We each give our love to you, by our choice. And you give us your love by your choice. I barely know you and I'm more comfortable being here with you than I've ever been with any man." She paused to let that sink in. "David, just accept that you are a damn good man, and we are all happy to be here with you. Enjoy what we give you. Let us enjoy what you give in return." Dave felt like this beautiful young woman that barely knew him was staring straight into his heart, laying it bare and spearing it with the cruelest weapon; hope. He stretched out his hand tentatively, reaching for the sash holding her blouse closed. She looked down briefly, seeing his hand. She immediately looked into his eyes and gave the smallest nod, and a smile. Dave pulled slowly on the loose tail of the cinch and dropped it. The belt ends fell to her sides and the halves of her blouse hung loosely, exposing the center of her chest and abdomen. Melanie had a belly button piercing. A small chain with two small clear crystals near the top and at the bottom, a butterfly done mostly in silver metal clasping tiny crystals, except for a soft pink pearl serving as the body of the faux insect. "You like? Your profile said you weren't a fan of body modification, but I was hoping you would be ok with this." "It's cute and sexy and innocent and naughty all at once." Dave smiled. He stepped up to her, sliding his hands into her blouse and around her back. He pulled her into a soft, slow kiss. They explored each other that way for a few minutes. Dave brought his hands up to her tits, cupping them and kneading them through her black satin bra. Melanie sucked in a breath and hummed. She broke the kiss and drew his attention with her eyes. "The others told me how you like to take your time, maximize a woman's pleasure. I am super fucking horny right know. You can take me to the heights later, we have forever for that. Right now I just need to pound your stake into me and lay claim to my body." "What about your heart?" She grinned "Just like they said you would. It's getting there, just takes a bit more time." She shrugged her blouse off and shucked her pants. The panties were also black and satiny. "Come on Davey, fuck my brains out and make me yours." She tossed her bra and panties aside quickly and crawled up the bed, turn over on her back once she was alongside her friend. Dave stripped of his shirt and shorts rapidly and joined her on the bed, pressing his body lightly against hers. His erection sandwiched between their torsos, her medium sized tit and their pointy nipples pressed against his chest. He kissed her again and she hummed. She worked her hips against his and together that got him lodged in her. A few strokes inside her passage caused him to leak out the first drips of precum and she exploded in a howling convulsion, her eyes rolling back, one hand flailing and bashing the insensate Olivia. "Fuck that was good. Give it to me David, give your woman what she needs. Seal your claim." She kissed him fiercely and they both rocked their hips savagely. No sensuality, just raw primal fucking of two hungry bodies. Despite his recent bout with Liv, this carnal frenzy brought Dave to the pinnacle faster than he anticipated and he crashed through, erupting a geyser of cum inside her depths. As the hot load filled her cavity, Melanie wailed in ecstasy, her mind shattered by the biochemical overload. Then she flopped to the bed, repeating the new world's chant of family harmony and togetherness. Chapter 6 – Shenanigans. October 4, 2020. David Belsus awoke to three beautiful young ladies lying beside him, all nude. As yet, none of his partners had elected to sleep in another room. Last night they all emphatically wanted to be near him. No one piled over anyone else. Lupie came to bed in a rich blue camisole with matching high cut panties. Shawna clad herself in a soft pink camisole and pink boy shorts. Jan wore one of Dave's sweatshirts as a baggy night gown, no panties underneath. He'd checked by way slipping his hands under the hem of the shirt to dance along her skin. Finding paradise exposed, he impishly fingered her to heaven as she begged for his cock. She beamed when he finished. She kissed him deeply after he sucked all her juices off his digits. None of the three were in bed at the moment. Shawna was likely on her way to work already. Which meant Jan and Lupie had gotten up with her to talk and share breakfast, or at least coffee. They had developed a morning routine rather quickly. That left Liv and Melanie nude, side by side on his left, and Becca, nude, curled tightly under his right arm, his hand resting just above her hip. She slumbered peacefully, unperturbed by the small motions he made as he took in the morning tableau. Becca's insecurities stemming from the near-abduction at the vax center had faded quickly with the reassurance of imprinting on Dave. What followed in its wake was the desire to be close to the person she'd just started sleeping with, magnified by this being the only person she'd ever slept with, further multiplied by the vaccine-clad certainty this was her person for life. Becca wasn't pushy about it. She knew enough to leave some space for the others to get their 'Dave time' too. In and out of bed. And the others, having experienced a similar phase in life, and happy that, for her, it really would be for a lifetime, accommodated her wherever possible. And then Dave's mind recalled a text conversation. "; Oh god, I just had this thrill run through me at the idea of waking up with you already in me, on top of me." Dave stroked her hip softly, slowly easing his fingers toward the crease where her leg met her pelvis. After several minutes of this, he brought his left hand up to cup her tit, massaging lightly, avoiding the nipple. He wanted to slowly raise her towards wakefulness, and ignite her libido, but he didn't want her awake until after he'd penetrated her. Just as she'd asked. Dave carefully eased himself out of her arms, rotating himself until he was kneeling on the bed, behind her knees and 'under' her butt as Becca lay curled on her left side. Dave leaned in and began kissing along Becca's outer thigh of her top leg while gently stroking the inner thigh of her bottom leg with his right hand. His left hand stroked softly along her side. A quick brush of her lower lips indicated her unconscious arousal, or the serum effects. Either way, Dave rubbed his half-hard cock between her thighs, rubbing against her labia, to get them both ready. He kept kissing her hand and arm while softly playing with her tit. "David?!" Came the scandalized whisper. Lupie and Jan stood, frozen, in the doorway, not believing what they were seeing. "She expressly asked for this, you can even check my text messages." Both ladies looked concerned, but said no more. A few more minutes of play time had Dave fully hard, regaining what he briefly lost with the interruption. Becca was ready as well. Dave seated himself at her entrance and pushed slowly, steadily forward. He was half inside her, leaning over her when Becca's eyes flew open. Wide-eyed, mouth agape, she turned her head and moaned. She writhed against David and clutched his upright arms. When her breath returned, she kissed him hard. She pulled away, winking as she deliberately flexed the muscles of her inner passage. Dave took that as a signal to continue. He steadily worked himself in her. Becca grinned madly, moaning and encouraging him. In a few minutes, both were racing to a peak they reached in tandem. Becca fell limp against the mattress, gasping. Dave steadied himself by resting his ass on his heels. Both dismounted the bed and began searching for clothes. Lupie gave Dave a quick kiss on the cheek and hugged Becca before heading downstairs. Jan stayed to change clothes. Jan viewed Becca with a grin. "Get your jollies little freak?" Becca beamed and blushed. "Umm hmm." "Just razzing you, ya know." "I know. I'm still learning what I like, and that is one of them. You know, the way you get off when a guy has a big; book collection." Her eyes twinkled. She squealed and caught the pillow Jan threw as she joined the laughter. "Oh my god, a naked pillow fight. I knew they were real!" Dave laughed and ducked as both partners chucked pillows at him. Dark brown irises set in almond eyes gazed at Dave from Becca's laptop resting on the folding table Becca had set up in one of the unused bedrooms. Raven black hair framed an oval face of chocolate brown before cascading over shoulders set with remembered power, but a hint of sag. The plain white scoop necked t-shirt stretched into small ripples between her tits. The shirt was mostly opaque, yielding evidence of a white bra of exactly the same tone as the shirt, but nonetheless unable to disguise two ripe, thick nipples making their presence known. As the call began, her small, tight mouth had appeared balanced between the promise of lighting up the room with a smile, or unleashing a verbal tirade that would leave all within earshot cringing. Dave's skeptical, reserved approach was pushing her more towards desperation. "Yes, I have been; unkind to people through all of high school. I thought I was better than a lot of people. I had a group that I hung out with, and we deemed ourselves 'the betters' of everyone else. Becca knows some of what I did, more from hearing about it or seeing it than experiencing it directed at her. I; held back since she helped me study." Reena swallowed before continuing. "I've had all these months to think about life and people and a lot of stuff okay? I'm not proud of my behavior. I was a bitch." Her eyes began to water at the lower edge. "Being isolated, knowing people are dying, finding out from a few friends they only have another day or hour left; " her voice caught. A few tears coursed down her apple cheeks, but she batted them aside quickly. "Do you know what it's like to stop hearing from someone that you thought you'd invite to your wedding, or have your kids play together?" Becca inhaled, about to speak, but Dave stayed her with a gentle touch. It wouldn't do to interrupt when Reena was clearly pouring her heart out. The words she spoke over the next several minutes could be the ones he really needed to hear to make a good decision. "The kids in grades below us stopped answering a long time ago. There's an internet rumor that this thing takes more men than women, and everyone under eighteen, but even the ones over eighteen are hard to find someone that answers, boy or girl." Reena's 'queen of the school' composure was cracking. While that allowed a glimpse at the person behind the mask, it wouldn't do to let her fall apart. Time to say something reassuring, but realistic. "Reena, just tell me about why you want to be here." "Honestly, Becca may be the only friend I have left I the world. And I was never a very good friend to her before. I; I want to do better. I've been thinking a lot about what I should change. Specific things I should stop saying or doing. Remembering to say 'please' when I ask for something instead of expecting compliance because of 'who I am.' Or saying 'thank you' when someone else does something for me. Doing something for someone else just because they need it, even if they never asked." Shaking, Reena paused to collect herself. "Becca has told me about you. I'm not smart like you and her, but I would like to study something past high school. Please, please choose me. I'll; I'll do anything you want." Her voice lowered and her eyes dropped at the last sentence. "There's a lot I still don't know about sex, but I'll learn. I'll be your little; " "Hold up. Kareena, I'm not out to push you to be some kind of play toy. If we are compatible in other ways, we'll figure out the sex part. Why don't you tell me about your hobbies, things you do just because they're fun? May be things you did even if your friends weren't into them." "Well, I do like to read; even though I joined in with the others when we made fun of 'bookworms'." Her eyes were downcast for the end of that sentence but came back up. "Becca mentioned you're a big book lover. But; I don't read; like nonfiction, or high class stuff. I mean, I have red Lord of the Rings, but that took forever. I could only get through like the first three pages of Moby Dick and Tale of Two Cities before passing out though." She still looked scared, so Dave gave her some reassurance. "Yeah, I think I maxed out after the first chapter of each of those. Some people love that style, but for me, it was a snooze fest too. The last two I mean. I love Lord of the Rings. So tell me, what do you like to read?" "Well, there's this series about this guy that keeps monsters in check in the San Francisco area." "Monsters?" Dave tried not to sound dubious. "Well, magical creatures. Fairies, unicorns, vampires, stuff like that. Oh, the author's name is Blake Conrad. It's a lot of fun if you like magic stuff. I have the full collection. Everything that's out so far. The next book was due out already, but the pandemic hit and who knows when they'll publish it now. For all I know, the one that's waiting is the last one. Chances are the author caught this thing and died months ago." Her face darkened again. "Well, if this does work out," Dave said, "You're welcome to bring your complete; Blake Conrad collection with you, and we'll look for similar books, similar titles. I know Terry Pratchett, Neil Gaiman and Ursula K. Le Guin use a lot of magic themes in their works. Sounds like they might be right up your alley." Hearing Dave endorse her reading interest perked Reena up. "You know, I could help the other girls too. I like doing nails. I'm pretty good at it too. I can free hand designs and stuff." "I could see where that could come in handy. So to speak." Dave grimaced at his unintended pun. Becca laughed. Reena just shook her head. "Anyway, I'm sure some of the ladies would appreciate that. I'll stick with natural myself," Dave said with a wink. That got a chuckle out of her. "Look, I'm not expecting you to have everything planned out. You're eighteen. There's still a lot to decide. And speaking of decisions, I'd like you to meet virtually with the other ladies of the house and we'll talk as a family after." "Also, take some time yourself to think this through completely. I know you want to be here so you can be close to someone familiar, but bear in mind, that means being sexually bonded to me, a forty-six year old man, more than twice your age. By the time you were born, I'd finished grad school, got married, had a kid, and divorced." Reena looked pensive but nodded. Dave left her to talk with Becca more. He caught Jan in the library with a notepad, apparently noting possible additions. On his suggestion, she left to join Becca. In the dining room, he found Olivia munching a bowl of cereal. Lupie sat with her. The two were sharing an easy conversation which halted when Dave walked in. He'd seen Lupie's bible on an end table in the living room when he passed through. Liv must have come down to get breakfast while Lupie was conducting a bible study on her own. Not like it was safe yet to go to a church. Especially when so many church goers around here seemed to buy into the 'just a hoax' nonsense. Dave shook his head. Christian Nationalism seem purpose built to destroy conservatism and faith in one fell swoop. Sure had a good shot at it with this damn plague. Dave shook out thoughts of things he couldn't control. Here, now, was one woman that had been interested in him for a few years as she lived next door, and another that had pined for him for; a decade? And both were happy to be bound to him by this weird vaccine, even though it meant sharing him with other women. This world was wonderful and terrifying in the same breath. "Morning, Hermosa," Dave said before kissing Lupie on the lips. She hummed into the brief contact. "Morning, love bug," he said as he greeted Olivia in the same manner. As he pulled away, she slugged his shoulder, smiling scowl pulling her lips tight. Lupie shook her head. "David, I'm with Olivia on this one. Terms of endearment you used when she was a child are not conducive to her feeling she's being accepted as a woman." "I meant it as continuity. She has a lot of love to give. Always has. And I appreciate that." Olivia's scowl relaxed but did not become a smile. Well, not immediately. Lupie raised an eyebrow at him with a gentle smile. Dave realized what he needed was a change of subject. "Becca is upstairs Zooming with a friend of hers from high school. She; would like to join us here." Both ladies smirked. Dave sighed and rolled his eyes. He brought a hand up to his face and rubbed his eyes before leaning into the hand, the elbow of the same arm resting on the table. "Look, it's not like I'm seeking women out. I'm not out pursuing young girls." Olivia shifted in her seat. "I mean; " "I get it Dave. Don't apologize." Her voice was soft, with a hint of iron. "I talked with her for a while. She's apparently been talking with Becca since before the two of you got vaxxed in the first place." He said, looking at Lupie. "And it seems Becca has been telling Reena all about us, especially about vaxxed life with me." "Kareena Agrawal? The one Becca calls 'the Indian Karen'?" Olivia barely managed to contain the mouthful of cereal and milk at Lupie's interjection. Dave held back a laugh. "She seems genuinely heartbroken and lost, Lupie. And she has taken time in isolation to examine her past behavior." Dave paused, looking each of them in the eye. "I'm reserving judgement for now. I think it would be a good idea if each of you took time to talk with her, probably with Becca as host. I ran into Jan already, she's probably up there with her now. All I'm asking is that you get with Becca sometime today to find a time you can Zoom with her and form your own opinion. I may be 'the man of the house'; " Dave bowed his arms out from his sides, leaning side to side with a faux stern look on his face; "but this is too big not to get ya'lls take on it as well." Both women giggled at the display. "Okay, okay, I'll seek Becca out in a few minutes. I'll give Reena a fair hearing, just understand, I've heard enough of her exploits to be a bit wary." "Wouldn't have it any other way, cielo." The warmth of the smile Lupie gave him was enough to power an entire town. It was a few hours past noon when Dave heard voices in the bedroom. He left his office to see if that meant Melanie was up. She'd been out for eighteen hours. Opening the door, he found Becca and Liv sitting on the bed, talking. Mel was nowhere to be seen. "Mel up I take it?" "Yup, been awake for a few minutes. She needed to use the bathroom," Becca informed him. "She'll probably be in there a while." Liv chimed in, just as Mel emerged. She had a huge smile on her face. "Wow, usually a night like last night would leave you crying on the toilet for an hour. And I needed a hazmat suit to go in there afterwards." Mel smirked. She strode over to Dave and gave him a big hug. He recognized the t-shirt she wore, black with a white line drawing of Einstein sticking out his tongue. Recognized, because it was probably the one from his closet. "Looks like I unlocked the special bonus. They did say sometimes a healing process happens during imprinting. How long was I out anyway?" "About eighteen hours," said Liv. "Longest of any of my partners. What's the healing you're talking about?" "I have; had; I B S. I tend to be careful about what I eat, or go ahead and indulge once in a while, knowing I'm going to pay the price in the morning." She turned to face Liv, with her hands on her hips. "And for your information missy, I was somewhat careful last night. The wine was dry, and I only ate a little bit of cheese. And I didn't have any deviled eggs." She grumbled that last sentence. Liv looked at Dave. "She loves deviled eggs, especially made with dill relish instead of sweet, which I've told her was the way you do it. Not that you made last night's, but that does mean the only relish in the house is dill. Problem is, the protein in the whites plus the fat in the yolk and mayo is an issue for her. If it weren't for that, she'd gobble deviled eggs like she's trying to set a world record." Dave chuckled. "As a deviled egg lover, I can testify that that much deviled egg will cause intestinal issues that oughta be against the Geneva Convention, without any medical conditions." The trio giggled. Becca sat bolt upright for a minute. "Hey, weren't there deviled eggs leftover in the fridge?" Mel was already up and moving. "Clear square sandwich container with the see through blue lid!" Mel's happy cackle faded as she sprinted down the stairs. To be continued in part 5, Based on a post by RonanJWilkerson, in 12 parts, for Literotica.

In dieser Episode von „Bau dir deine Zukunft“ spreche ich mit dir über ein Thema, das gerade zum Jahresbeginn eine enorme Kraft entfalten kann: Wie du mit Future Zooming Klarheit gewinnst, deinen inneren Fokus zurückholst – und ein Jahr gestaltest, das wirklich zu dir passt.Ich teile mit dir die Ursprünge dieser Methode, erzähle, wie Future Zooming entstanden ist – und warum es nicht nur für Führungskräfte und Solopreneure ein echter Gamechanger ist, sondern für alle, die spüren: Da geht noch mehr.In dieser Folge erfährst du:Warum wir so oft im Modus „zu viel – zu unklar – zu orientierungslos“ festhängenWie du mit einem Zukunftsbrief aus dem Kopf direkt ins Herz kommstWelche 8 Fragen dir helfen, deine Vision in konkrete Schritte zu übersetzenWie du dein persönliches Big Picture findest – und daraus ein fetziges Projekt machstWarum Klarheit keine Magie ist, sondern das Ergebnis von guter SelbstführungUnd wie du 2026 bewusst, mutig und strukturiert starten kannstIch erzähle auch offen, wie ich selbst festgesteckt bin – und wie mir genau dieser Prozess geholfen hat, meine Vision als Zukunftsentwicklerin Wirklichkeit werden zu lassen.Meine Botschaft an dich: „Zukunft entsteht dort, wo du hinschaust. Wenn du deinem inneren Bild eine Richtung gibst, bekommt dein Alltag Struktur – und dein Leben wieder mehr Sinn.“

In dieser Episode von „Bau dir deine Zukunft“ spreche ich mit dir über ein Thema, das gerade zum Jahresbeginn eine enorme Kraft entfalten kann: Wie du mit Future Zooming Klarheit gewinnst, deinen inneren Fokus zurückholst – und ein Jahr gestaltest, das wirklich zu dir passt.Ich teile mit dir die Ursprünge dieser Methode, erzähle, wie Future Zooming entstanden ist – und warum es nicht nur für Führungskräfte und Solopreneure ein echter Gamechanger ist, sondern für alle, die spüren: Da geht noch mehr.In dieser Folge erfährst du:Warum wir so oft im Modus „zu viel – zu unklar – zu orientierungslos“ festhängenWie du mit einem Zukunftsbrief aus dem Kopf direkt ins Herz kommstWelche 8 Fragen dir helfen, deine Vision in konkrete Schritte zu übersetzenWie du dein persönliches Big Picture findest – und daraus ein fetziges Projekt machstWarum Klarheit keine Magie ist, sondern das Ergebnis von guter SelbstführungUnd wie du 2026 bewusst, mutig und strukturiert starten kannstIch erzähle auch offen, wie ich selbst festgesteckt bin – und wie mir genau dieser Prozess geholfen hat, meine Vision als Zukunftsentwicklerin Wirklichkeit werden zu lassen.Meine Botschaft an dich: „Zukunft entsteht dort, wo du hinschaust. Wenn du deinem inneren Bild eine Richtung gibst, bekommt dein Alltag Struktur – und dein Leben wieder mehr Sinn.“

Mówisz po angielsku poprawnie, ale wciąż masz wrażenie, że czegoś brakuje? A ciekawe wyrażenia jak na złość uciekają tuż przed ważnym spotkaniem? W tym odcinku „English Biz” udowadniamy, że w 2026 roku biznesowe formułki odejdą do lamusa. Skoro „How are you?” i „I'm fine” to już przeszłość, to jak mówić prosto i pewnie w pracy? Relational intelligence, executive tone i język ludzi z Big Techu – z konkretnymi przykładami, takimi jak „Here's my read on this” czy „Let's pressure-test this idea”, które możesz wykorzystać od razu. Warto przesłuchać do końca! Czeka na Was mini challenge. Zwroty: How have you been? How's your week been treating you? Keeping myself busy, thanks for asking. How about you? Staying pretty busy, actually, how about you? What's top of mind for you today? What's front and center for you at the moment? What are you focused on these days? Here's what I'm seeing… Here's my read on this… The way I see it… From where I sit… My perspective on this is… What's the thinking behind that? What led you to that conclusion? Can you walk me through the rationale? Help me connect the dots here. Walk me through your thinking for a moment. Let's sanity-check this. Let's pressure-test this idea. Let's double-click on that. Zooming out… Zooming in… I'm not sure that fully holds up, can we revisit this part? I see it differently, here's why. Another way to look at this is… I'm not married to this idea, open to alternatives. We're flying the plane while building it, but we'll get there. What questions come to mind. Let's align on next steps before we wrap up. Let's take this offline. Does that land for you? How does that resonate? Are we aligned on this?

Brandon Sammut (Chief People and AI Transformation Officer at Zapier), Jenny Molyneaux (VP of People, Vercel), and Valerie Gobeil (Head of Talent Management, Workleap) joined us for a live session on how HR teams are actually using AI today. We talked about how to get organizations AI-ready, avoid “AI debt,” make smarter build vs buy decisions, and we walked through live demos of AI-powered performance reviews, hiring workflows, interview coaching, engagement insights, and more.----  Downloadable PDF with top takeaways: https://modernpeopleleader.kit.com/episode272Sponsor Links:

Note: The securities mentioned in this podcast are not considered a recommendation to buy or sell and once should not presume they will be profitable.In this episode of The Private Equity Podcast, Alex Rawlings welcomes Scott Neuberger, Co-Founder and Managing Partner of Karmel Capital, a private equity firm investing in late-stage software and AI companies. Scott shares deep insights into how Karmel Capital leverages AI within its investment process, how they identify and evaluate late-stage tech businesses, and why they're placing strategic bets in the infrastructure layer of AI.Scott explains the firm's capital efficiency-focused strategy, how they rank companies, and what metrics truly distinguish iconic businesses from the rest. He also discusses how AI is transforming internal operations and why firms must go beyond the hype to truly implement impactful AI solutions.Later in the conversation, Scott offers practical advice to portfolio company leaders on how to begin leveraging AI meaningfully—starting with labor-intensive areas like customer support. He finishes by outlining Karmel's top-down investment approach to sectors like cybersecurity and why infrastructure plays offer value and growth.Whether you're investing in tech, operating a portfolio company, or just curious about how AI intersects with private equity, this episode is packed with real-world insight.⌛ Episode Highlights & Time Stamps:00:03 – Introduction to Scott Neuberger and Karmel Capital 01:00 – Scott's journey: entrepreneur turned investor 02:19 – The mistake of investing too early in venture capital 03:47 – Why Karmel focuses on measurable, repeatable metrics 04:45 – How they assess capital efficiency in tech companies 06:41 – Key metrics and importance of experienced management teams 08:38 – Evaluating human capital and talent within portfolio companies 10:05 – Zooming out: The “mosaic theory” of identifying strong investments 10:33 – How Karmel Capital uses AI internally for data collection & analysis 13:22 – AI investing: why infrastructure is Karmel's focus 15:49 – Pick-and-shovel strategy: betting on infrastructure vs. applications 17:44 – Advice for portfolio execs on where to begin with AI 18:43 – Customer support as a high-impact AI use case 21:09 – Navigating noise in AI investing: how Karmel decides where to play 22:34 – Case study: AI in cybersecurity and the top-down analysis approach 24:59 – The arms race in cybersecurity: AI on both offense and defense 25:29 – Scott's reading and listening habits (inc. 20VC podcast) 26:56 – How to contact ScottConnect with Scott Neuberger:

Featuring Dr. Lauren Hartman M.D.Dr. Jim sits down with Dr. Lauren Hartman, a double board-certified specialist in Adolescent Medicine and Pediatrics, contributor to Psychology Today, and author of the forthcoming book Freeing Children & Young Adults from Shame, Scales & Stigma.In this episode, Dr. Hartman breaks down what every parent, clinician, and educator needs to understand about eating disorders—and why it's not your fault. She highlights the essential role families can play in the healing process and offers practical guidance for supporting adolescents with compassion and clarity.We explore the Barbie effect, the rise of GLP-1 medications, and how social media and comparison culture fuel distorted body image and perfectionism. Dr. Hartman underscores the absurdity of our societal ideals: the original 1959 Barbie, scaled to human size, would stand 5'9”, weigh 110 pounds, measure 39–18–33, and—ironically—would meet criteria for anorexia. And Barbie's measurements haven't improved much since.Zooming out, we look at the cultural forces that perpetuate body shaming and misunderstanding about what “healthy” truly means. Dr. Hartman shares how to talk with adolescents about their eating disorders, what treatments show the strongest evidence, and how to navigate parental shame without derailing recovery.Finally, we discuss the powerful role of Internal Family Systems (IFS) as an integrative therapeutic approach for adolescents and families—an essential model for clinicians working in this space.This episode is a must-listen for anyone supporting young people on the path toward healing, nourishment, and self-compassion.WCMI networking group A networking group for mindfulness-focused clinicians dedicated to learning together & collaborating for more information click here

Japanese video-game maker Nintendo's net profit jumped 85% in April-September from the year before, as its sales more than doubled following the launch of its hit Switch 2 console in June, the company said. Nintendo, based in Japan's ancient capital of Kyoto, said its profit for the half-year totaled 198.9 billion yen, or $1.3 billion, up from 108.6 billion yen the year before. Sales for the first half of this fiscal year rose to nearly 1.1 trillion yen ($7.1 billion) from 523 billion yen in the same period of 2024. Nintendo, which makes Super Mario and Pokémon games, did not provide a breakdown of quarterly data. Nintendo's video game sales were solid, although with no new movies, revenue from its content business slowed. Nintendo raised its profit forecast for the full fiscal year through March 2026 to 350 billion yen ($2.3 billion). Previously, it had expected a 300 billion yen ($1.9 billion) profit. It also raised its forecast for Switch 2 machine sales to 19 million units from the earlier 15 million. Nintendo says it had sold more than 10 million Switch 2s by the end of September. Popular Switch 2 game software includes “Mario Kart World” and “Donkey Kong Bananza.” Sales of the older Nintendo Switch have fallen, but Switch game sales are still going strong because they can be played on Switch 2 machines. Analysts expect Nintendo's earnings to stay strong with the upcoming holiday season, when it tends to do well. They also expect key new games in the Pokémon and Kirby franchises. Nintendo stocks, which have been rising relatively steadily over the past year, fell 0.8% on November 4. This article was provided by The Associated Press.

Where are global real estate markets headed in 2026? Watch our 2026 Global Real Estate Outlook panel to find out.With expert guests, including:Nasir Alamgir – Head of US & European Real Estate DebtAlex Gilbert – Co-CEO of Artemis, a Barings CompanyNick Pink – Head of European Real Estate Equity Mike Flynn – Head of Japan Real EstateModerated by Co-Head of Global Investments, David MihalickEpisode Segments:(01:00) – Introductions (03:30) – The fundamental backdrop for RE debt(08:55) – The European landscape(11:40) – Opportunities in US equity(15:20) – How APAC real estate stacks up today(20:42) – Why 2026 may be a “stock pickers” market(24:47) – Zooming in on the office sector(29:16) – Demographics as a structural driver(32:35) – Areas of opportunity in APAC(35:24) – Opportunities across sectors & risk profiles(40:49) – Affordability & the cost of development(43:30) – Bold predictions for 2026Make sure to follow our LinkedIn newsletter, Where Credit is Due to stay up-to-date on our latest public & private credit market insights.IMPORTANT INFORMATIONAny forecasts in this podcast are based upon Barings' opinion of the market at the date of preparation and are subject to change without notice, dependent upon many factors. Any prediction, projection or forecast is not necessarily indicative of the future or likely performance. Investment involves risk. The value of any investments and any income generated may go down as well as up and is not guaranteed. PAST PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE RESULTS. Any examples set forth in this podcast are provided for illustrative purposes only and are not indicative of any future investment results or investments. The composition, size of, and risks associated with an investment may differ substantially from any examples set forth in this podcast. No representation is made that an investment will be profitable or will not incur losses. Barings is the brand name for the worldwide asset management and associated businesses of Barings LLC and its global affiliates. Barings Securities LLC, Barings (U.K.) Limited, Barings Global Advisers Limited, Barings Australia Pty Ltd, Barings Japan Limited, Barings Real Estate Advisers Europe Finance LLP, BREAE AIFM LLP, Baring Asset Management Limited, Baring International Investment Limited, Baring Fund Managers Limited, Baring International Fund Managers (Ireland) Limited, Baring Asset Management (Asia) Limited, Baring SICE (Taiwan) Limited, Baring Asset Management Switzerland Sarl, and Baring Asset Management Korea Limited each are affiliated financial service companies owned by Barings LLC (each, individually, an “Affiliate”).NO OFFER: The podcast is for informational purposes only and is not an offer or solicitation for the purchase or sale of any financial instrument or service in any jurisdiction. The material herein was prepared without any consideration of the investment objectives, financial situation or particular needs of anyone who may receive it. This podcast is not, and must not be treated as, investment advice, an investment recommendation, investment research, or a recommendation about the suitability or appropriateness of any security, commodity, investment, or particular investment strategy.Unless otherwise mentioned, the views contained in this podcast are those of Barings and are subject to change without notice. Individual portfolio management teams may hold different views and may make different investment decisions for different clients. Parts of this podcast may be based on information received from sources we believe to be reliable. Although every effort is taken to ensure that the information contained in this podcast is accurate, Barings makes no representation or warranty, express or implied, regarding the accuracy, completeness or adequacy of the informationAny service, security, investment or product outlined in this podcast may not be suitable for a prospective investor or available in their jurisdiction.Copyright in this podcast is owned by Barings. Information in this podcast may be used for your own personal use, but may not be altered, reproduced or distributed without Barings' consent.25-5011565

We are Virginia Sole-Smith and Corinne Fay and it's time for your Indulgence Gospel — Thanksgiving Edition! We often skip an episode drop on this day, but given how high pressure Thanksgiving can be for food, bodies and people, we thought...maybe you need a little Indulgence Gospel, a little Butter, and a little distraction from whatever your holiday weekend entails?We've got you: A Helen Rosner-inspired fashion epiphany. Thoughts and feelings about Black Friday. A very good Corinne clothing rant.Our secret shame places. And more! You do need to be a paid Just Toast subscriber to listen to this full conversation. Membership starts at just $5 per month! Join Just Toast! Don't want an ongoing commitment? Click "buy for $4!" to listen to just this one.

UBS upgraded Applied Materials (AMAT) to a buy rating as shares are up more than 40% in 2025. Kevin Horner diagnoses several technical patterns taking shape on the chart, identifying $208 support and $241 resistance over the past 90 trading days. Zooming out to the 2-year chart, Kevin shows the stock's all-time highs back in the summer of 2024 that could be the next test if shares breakout above the $241 resistance point. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

In this interview with Simone Borghesi and Andris Piebalgs, we explore the key outcomes of COP30—the United Nations climate conference held in Belém, Brazil—focusing in particular on the insights and contributions provided by the Florence School of Regulation (FSR). For all FSR content related to COP30, visit: https://fsr.eui.eu/the-fsr-at-cop30-live-updates/

Have you ever looked around at the growing number of coaches and wondered whether there is still space for you to build a thriving practice? In this episode we explore one of the most common concerns we hear from aspiring and experienced coaches: whether the coaching market is saturated. It is a question often rooted in fear and uncertainty, particularly for those stepping into the profession for the first time. As we reflect on this conversation, we notice how often this question reveals something deeper. It is rarely about the market itself. It is usually about whether there is space for me. Throughout the episode, we walk through the realities of an expanding coaching industry and what that means for those entering the field today. Demand for personal and professional development continues to rise and coaching has become a mainstream development tool across organisations, wellbeing programmes and leadership pipelines. Yet it is easy to feel overwhelmed when every social feed appears full of coaches promoting their services. Decision fatigue is real, and so is the sense of comparison. We share honest reflections on why differentiation matters more than ever. When we understand how we help people, what problems we solve and who we serve, the market suddenly feels much less crowded. We talk about the importance of niche clarity, emotional connection and business strategy, and how coaches can create meaningful impact by aligning their work with their values, expertise and purpose. We also explore fast-growing areas of coaching including neurodiversity coaching, team coaching and group coaching, as well as the shifting landscape created by AI. Some coaches incorporate technology into their practice while others intentionally lean into a deeply human approach. Both routes have value. Both reveal opportunities for growth. This episode is a reminder that saturation is a perspective, not a fixed truth. When you zoom out and consider the billions of people navigating work, life and change, the opportunities for coaching are vast. The real question becomes: how can I differentiate myself within a thriving, expanding market and create the conditions to succeed? If you are curious about training as a coach and want support in choosing the right route for you, I signpost you to the Coaching Crowd quiz, which brings clarity to that decision-making process and helps you understand where you fit best within the coaching world.   Timestamps: 00:00 Introduction and framing the question 01:20 Why people worry about market saturation 03:00 The rise in coaching demand and industry growth 04:10 How niche clarity cuts through market noise 05:40 Perspective, fear and evidence-gathering 07:15 Zooming out to a global view of opportunity 08:50 Emerging coaching niches and industry trends 10:00 The role of AI and future-ready coaching models 11:20 Differentiation through values, credibility and brand 12:45 How coaching training shapes identity and purpose 14:10 Why coaching is now a mainstream development strategy 16:10 Personal and professional growth through coaching skills 18:20 Realism, resilience and navigating industry cycles 19:40 Why demand for ethical, skilled coaches continues to grow 20:55 Final reflections and invitation to take the Coaching Crowd quiz   Key Lessons Learned: Saturation is often a fear-based perspective rather than an industry reality. Differentiation is key. When you communicate your value clearly, the market feels significantly less competitive. Demand for coaching continues to grow across corporate, personal development and wellbeing sectors. Coaching niches are expanding rapidly, particularly in neurodiversity, team development and group coaching. Global demand far exceeds current coaching capacity, creating long-term opportunity. Technology and AI will shape future coaching models, but human connection remains irreplaceable. Clear positioning, professional training and accreditation create confidence for both coach and client. Coaches who understand their purpose and values attract clients who resonate with their approach. Coaching skills enhance leadership capability far beyond traditional coaching roles. Becoming a coach often leads individuals to invest more deeply in coaching themselves, further growing the market.   Keywords: coaching industry growth, coaching market saturation, becoming a coach, coaching niches, coaching demand, wellbeing and coaching, neurodiversity coaching, coaching qualifications, group coaching, leadership coaching skills,   Links and Resources: www.mycoachingcourse.com  

Hello, welcome this week's Blonde Intelligence. I am your host, Ms. Roni, and I always seek to give you exquisite cranial repertoire. A mother fresh out of the hospital for a sickle cell crisis is jumped by a group of kids in Chicago while walking her children home from school. That single moment forces a hard look at what happens when schools miss warning signs, families face instability, and communities struggle to balance empathy with accountability. We examine bullying, what meaningful follow-through should look like, and how prevention beats reaction when leadership uses clear protocols and data-informed tools to identify student risks before harm escalates.We also unpack the contradictions that make this story so unsettling. Poverty and housing insecurity can amplify stress and impulsivity, yet one alleged participant is a high-achieving eighth grader with involved parents. That tension challenges easy explanations and points to the power of peers, status, and group dynamics. We talk through discipline with dignity—how to set firm boundaries without public shaming—and why consistent, proportionate consequences help kids internalize responsibility. Empathy training, restorative practices, and mentorships matter, but they must sit alongside clear rules that protect the vulnerable.Zooming out, we share practical steps for parents, educators, and neighbors: document and escalate bullying reports, push for campus safety audits, adopt student success assessments that flag barriers early, and build community supports that keep kids engaged after school. Accountability is not the enemy of compassion; it's the structure that allows compassion to work. If you care about school safety, youth mental health, and real solutions to bullying and group violence, this conversation offers both context and concrete actions you can take today.If this resonates, subscribe, share with a friend, and leave a review with your take on what needs to change first—home, school, or policy. Your voice can help push this conversation toward solutions.#ProtectStudentsNow #PreventBullyingWithCare #CommunityAccountabilitySupport the show

Send us a textOn this episode, we're talking about AI, the Fed, crypto, and housing --- and how those stories all suddenly collided this week. Nvidia's huge earnings beat briefly sent markets higher, but the rally fizzled fast as investors grew more anxious about a potential AI bubble. We walk through why valuations increasingly assume massive job displacement and unprecedented productivity gains, and why Oracle has become the market's “AI downside” hedge as its stock price collapses and its credit spreads blow out.Zooming out to the macro picture: delayed economic data finally hit, with job growth surprising to the upside, suggesting the Fed might not be delivering a December cut after all. Combine that with softening AI sentiment, and we're seeing a classic risk-off move: equities selling and cryptocurrencies like Bitcoin showing the most stress. Even though headline data looks fine, the real-world "vibes" (sorry, couldn't help ourselves) feel recessionary, with people struggling to find jobs while prices (especially housing prices) remain painfully high.That leads us into the debate over 50-year mortgages. We explain why extending mortgages just means paying interest for decades, barely building equity, and ultimately bidding home prices even higher. The idea of a transferable 50-year mortgage makes even LESS sense. It breaks basic collateral math and would require higher rates, not lower, to actually facilitate implementation. Sign up for our FREE LIVE Excel & Financial Modeling Masterclass here: https://courses.thewallstreetskinny.com/Nov2025-FMmasterclass-registration-page-1Learn more about 9fin HERE Shop our Self Paced Courses: Investment Banking & Private Equity Fundamentals HEREFixed Income Sales & Trading HERE Wealthfront.com/wss. This is a paid endorsement for Wealthfront. May not reflect others' experiences. Similar outcomes not guaranteed. Wealthfront Brokerage is not a bank. Rate subject to change. Promo terms apply. If eligible for the boosted rate of 4.15% offered in connection with this promo, the boosted rate is also subject to change if base rate decreases during the 3 month promo period.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of 11/7/25, is representative, requires no minimum, and may change at any time. The APY reflects the weighted average of deposit balances at participating Program Banks, which are not allocated equally. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Sources HERE.

Join host Kyle Forrest and Sean Hinton, General Manager of SkyHive at Cornerstone, as they discuss how moving from traditional job structures to a dynamic, skills-based approach can fuel organizational growth and agility.

Want to reach out to us? Want to leave a comment or review? Want to give us a suggestion or berate Anthony? Send us a text by clicking this link!Power rarely moves quietly, and our tour through the English Reformation proves it. We start with a young, athletic Henry VIII whose dynastic panic collided with fragile Tudor legitimacy and recent civil war. From Wolsey's velvet control to Cromwell's hard-edged dissolution of the monasteries, the story isn't a popular uprising against Rome—it's a top-down refit of a living church under the pressure of succession, money, and law.Zooming out, Europe hums with end-times energy: printing stokes polemics, the sack of Rome shatters illusions, and theological debates double as statecraft. We revisit Mary I without the propaganda haze—her measured governance, her duty to crush rebellion, and the way her reign got rewritten by enemies. Then Elizabeth I tightens the bolts: supremacy oaths, recusancy fines, and an intelligence apparatus that turns conscience into evidence. The result is a church that keeps the silhouette of altars while changing the crown above them.Underground Catholicism adapts with nerve and nuance. Jesuit missions like Edmund Campion's draw hard lines, house chapels encode the Mass into Byrd's music, and priest holes become the country's hidden cathedrals. We unpack the Gunpowder Plot as either interception or invention and track how it cements “Catholic equals treason” in the English mind. From Laudian “beauty of holiness” to the civil war backlash, from Jacobite hopes to the Quebec Act and Wellington's push for emancipation, we follow the long arc that shaped modern Britain—and its American echo in how nations sacralize power. Subscribe, share this episode with a history-loving friend, and tell us: which Tudor moment most changed your view of the Reformation?Support the showTake advantage of great Catholic red wines by heading over to https://recusantcellars.com/ and using code "BASED" for 10% off at checkout!********************************************************Please subscribe! https://www.youtube.com/channel/UCKsxnv80ByFV4OGvt_kImjQ?sub_confirmation=1https://www.avoidingbabylon.comMerchandise: https://avoiding-babylon-shop.fourthwall.comLocals Community: https://avoidingbabylon.locals.comFull Premium/Locals Shows on Audio Podcast: https://www.buzzsprout.com/1987412/subscribeRSS Feed for Podcast Apps: https://feeds.buzzsprout.com/1987412.rssRumble: https://rumble.com/c/AvoidingBabylon

Stifel hiked its price target on Nvidia (NVDA) to $250 from $212 ahead of the A.I. chipmaker's highly anticipated earnings event. Ben Watson drops by to examine the chart patterns forming for NVDA. On a shorter-term 5-day chart, he draws a downward triangle formation with a top at $192 and a low at $181. Zooming out to a 1-year chart, Ben adds the 50-day moving average hovering around $192 as a level to monitor after the earnings report. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Drew and Rory start with eyeball horror, Stranger Things hype, and the idea of AI-powered contact lenses before stumbling straight into the real mind-melt: Midjourney, Grok Imagine, Mystic 3, and Flux all colliding in one episode. They roast their own prompts, trigger an accidental NSF-DoubleU moment live inside Grok, argue about “flux face,” and still somehow manage to pull out real, practical tips for people trying to make better AI images without losing their minds.Across an hour of chaos, they unpack Midjourney v8's subtle shifts, hidden personalization signals, Style Explorer tricks, Smart Search shortcuts, Grok's Sora-style infinite feed, Mystic 3's scary-good skin detail, and why Midjourney still owns lo-fi, lived-in, “shot-on-a-phone” energy. If you care about composition, cinematic ratios, editorial portraits, food realism, or just want to hear two people dunk on Flux and node editors while actually teaching you something, this one hits.Listeners will come away knowing how to use stills archive for composition, when to skip upscales for more analog realism, how Grok Imagine's image + video workflow really behaves, and where Mystic 3 can replace Midjourney in a serious portrait or product stack.--⏱️ Midjourney Fast Hour0:00 Intro, eyeballs, and a Friday brain check2:05 Contact lens horror stories, Mission Impossible, Black Mirror eyes3:07 Stranger Things Season 5 hype and binge vs weekly TV4:51 Movies, biopics, sports docs, and couch season setting in6:23 Cowboys documentary, sports pipelines, and TV as passive story feed7:00 AI overload, nobody keeping up, and why this pod exists8:30 Midjourney profiles, Style Creator, and new personalization talk9:29 Like/dislike buttons as hidden training data and 7:3 aspect ratio love10:35 Stills Archive, cinematic framing, and cleaner compositions12:00 Style Explorer vs old-school SREF and what quietly vanished13:16 Three under-the-radar Midjourney Smart Search + right-click + Option-upscale tweaks15:35 V8, fewer wall-of-text prompts, and a move toward visual controls18:12 First look at Grok Imagine's interface and infinite scroll feel19:35 Sora-style endless bottom feed, variants, and “make video” in Grok22:51 Cinematic looks, color grading, and Grok as “idea and curate” engine24:19 Live NSFW surprise inside Grok Imagine and instant rating change25:23 Finding Grok history, stills, and video exports with sound26:31 Who actually gets Grok video and Drew's first real reaction to using it27:38 Mystic 3 enters the chat and upscaling less for analog vibes29:02 Why “too sharp” screams AI and how grain + smart detail saves realism30:18 Outpainting, editing, and why Midjourney still wins surgical compositing35:01 Mystic 3 V3 screen-share and first impressions35:45 Editorial portraits, skin detail, eyelashes, and hands that finally look human37:26 Mystic 3 model comparisons: Zen, State-of-the-Art, and weird description blur39:16 Zooming all the way into pores, fingerprints, and micro skin texture43:44 Cocktail and food prompts where Mystic falls behind Midjourney50:05 Nano Banana 2 rumors, native 4K wishes, and how Midjourney might respond50:58 Why Midjourney still rules lo-fi, disposable camera, and Polaroid-style shots52:16 Grok Imagine vs Flux vs Midjourney for lived-in Y2K flash photos53:39 Flux face, direct flash tests, and “go flux yourself” is born55:30 Nodes, Grok workflows, and why scrolling is faster than wiring graphs56:01 Why Midjourney is avoiding node-based interfaces on purpose57:05 Final sendoff: go flux yourself and get out of here

CrowdStrike (CRWD) is Friday's Chart of the Day on Morning Movers. Rachel Dashiell dissects the "rangey" $50-dollar-wide activity near its $515 support level as an area to watch. She does caution that its momentum study on CRWD's shorter-term chart is pointed down, which could indicate some further weakness ahead. Zooming out to its 1-year chart, Rachel points to a bearish engulfing pattern after shares hit all-time highs continuing to break lower.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Goldman Sachs double downgraded Dollar Tree (DLTR) to sell from buy. Ben Watson examines the downward candles on the discount retailer's stock. On the short-term 5-day chart, he displays a shift lower in the company's MACD momentum study and indicates a range between $101.50 and $109.50. Zooming out, he shows a cup and handle pattern getting tested on a 1-year chart. Ben also highlights the stock's 50-day moving average hovering around the $97 level.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

After auditing hundreds of local Instagram accounts, Leslie discovered a simple buyer psychology principle that changes everything: comfort and familiarity create sales.In this episode, you'll learn how “zooming out” in your marketing (literally and figuratively) helps new potential clients see themselves in your space and working with you, feel at ease and take action faster.In this episode you'll learn:Why close-up content isn't enough and how it may actually be keeping new local clients from buying.The psychology behind comfort-based marketing and how helping people visualize your full experience increases conversions.Simple ways to “zoom out” and show your space, process, and personality in a way that builds trust and gets people excited to work with you.Mentioned in this episode:Work with me inside The Localpreneur AcademyFollow me on Instagram @‌lesliepresnallDownload my Free Guide: How To Grow Your Local Instagram FollowingIf you're ready to grow your local business and bring in a steady stream of clients, you need to check out The Localpreneur Academy. Click here to join me inside.Rate, Review & Follow:“I LOVE listening to the episodes, especially since they're focused on local businesses and it's not just generic marketing advice.” If you love the show too, please leave a rating and review. This helps me reach more people just like you who want to reach more local people and create a business they love.

We've heard a lot about how young men have shifted to the right...but this week's election showed young women moving to the left as well. Gen Z expert Rachel Janfaza, founder of The Up and Up, joins Sarah to discuss why young women have shifted to the left, why their male peers have shifted to the right, and why their life priorities are so different. They also discuss Gen Z's relationship with technology like AI, why Gen Z is a lonely generation, and the differences between Gen Z-ers who came of age before the pandemic, and after. show notes: Get your first three months with Mint Mobile for $15/month at https://MintMobile.com/THEFOCUSGROUP. JOB ALERT: Sarah is looking for a qualitative researcher to join her team! Apply here. By Rachel Janfaza in The Up and Up: More on the two gen zs Young women are the story (And here's how to piss them off...) Nearly half of high schoolers have had a relationship with AI or know someone who has Twice as many young people say religion is gaining influence in American life Trad Husbands > Trad Wives

In this episode of “Complete Disarray With Jamie Ray”, host Jamie welcomes J Hall, host of the "Okie Bookcast" and author/professor, for a trip down memory lane to the golden age of Saturday mornings. Zooming into the Plastic Microphone Studios, J Hall joins Jamie to reminisce about those magical weekend mornings that defined a generation.From the sugary cereals that fueled our cartoon marathons to the unforgettable animated adventures that kept us glued to the TV, Jamie and J explore what made Saturday mornings so special in the 1970s. The conversation ventures beyond the living room to discuss the toys that sparked our imaginations and the freedom of neighborhood bike rides—those hours spent exploring, adventuring, and building memories that would last a lifetime.Whether you're a child of the '70s or simply curious about a time when Saturday mornings meant something truly special, this episode delivers a warm, funny, and heartfelt journey back to simpler times. Grab your bowl of nostalgia and tune in!---Links can be found on our profile page and at www.linktr.ee/hulkboy. Visit & interact on X (@DisarrayPodcast). Use the hashtag #CDWJR, or through Instagram (@FaveFiveFromFans), X (@Fave5FromFans), Facebook (FaveFiveFromFans), and our website (www.FaveFiveFromFans.com). Also, check out Plastic Microphone Studios' X and Instagram (@PMStudiosPod) and the great stuff on The Average Home Theater Reviews ( @AHT_Reviews), Red Dog Terrain ( @RedDogTerrain ), Sequel House (@SequelHousePod ), and more!Fave Five From Fans - www.youtube.com/@favefivefromfans6580  The Average Home Theater Reviews - www.youtube.com/@averagehometheater4901 Red Dog Terrain  - www.youtube.com/@reddogterrain  Sequel House - www.youtube.com/@SequelHousePod Send in a voice message: https://podcasters.spotify.com/pod/show/fave-five-from-fans/message Support this podcast: https://podcasters.spotify.com/pod/show/fave-five-from-fans/support#FFFF #CDWJR #FaveFiveFromFans #PlasticMicrophoneStudios #saturdaymorning #saturday #saturdayvibes #saturdaymood #weekend #saturdaymotivation #weekendvibes #goodmorning #breakfast #saturdaynight #superman #batman #cereal #fisherprice #captaincrunch #schoolhouserock

Midnight energy, raw numbers, and a city on edge. We sat down with strategist Jay McCleskey and fundraiser Jessica Perez as Albuquerque's mayoral race officially headed to a runoff—Keller hovering in the mid-30s, Darren White just behind him, and a wave of voters signaling they're ready for change on crime, homelessness, and basic accountability.We unpack why incumbents hate runoffs and how a tight, repeatable message can beat a partisan registration gap. White's case focuses on immediate public safety moves—new leadership at APD, rebuilding recruiting, and coordination with federal partners on those arrested for serious crimes—contrasted with years of technocratic promises that haven't delivered. Jessica pulls back the curtain on the money: donor hesitation, fears of retaliation, and the post-election tipping point that turns skepticism into momentum. In a compressed calendar, efficient spending on digital, mail, and targeted TV becomes the campaign's edge.Zooming out, we map the national mood onto Albuquerque's decision. From Virginia's down-ballot shockwaves to New Jersey's margins and New York's ideological swing, voters wrestling with prices and safety are punishing the status quo. That backdrop explains why the incumbent can't grow and why he'll try to nationalize the runoff with partisan attacks. The counter is simple and local: visible safety, fewer encampments, cleaner corridors, and departments that answer to the public. City council results already suggest voters will reward that approach—especially when the message is clear and the campaign stays disciplined.If you're tired of speeches and ready for outcomes, this conversation lays out the path to a truly competitive runoff: keep it local, fund it fast, and repeat the plan until every voter can recite it. Subscribe, share this episode with a neighbor who's undecided, and leave a review telling us the one change you want to see first.Website: https://www.nodoubtaboutitpodcast.com/Twitter: @nodoubtpodcastFacebook: https://www.facebook.com/NoDoubtAboutItPod/Instagram: https://www.instagram.com/markronchettinm/?igshid=NTc4MTIwNjQ2YQ%3D%3D

Executive leadership coach and former environmental lawyer Danielle Droitsch spent decades chasing titles before realizing fulfillment comes from what energizes you most—helping others reach their potential. In this episode, she and Lesley explore how identifying your superpowers can reignite passion in your current role without a career overhaul. Discover why tracking energy leads to clarity, how to “job craft” for more joy and impact, and why action—not overthinking—is the real confidence builder.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:How Danielle's career pivot revealed her true superpowers.How to spot your superpowers by tracking what energizes you.Why most people mistake learned skills for natural strengths.How the 20% rule can transform job satisfaction and focus.What happens when you overuse your strengths and feel drained.Why “job crafting” lets you reshape your role without quitting your job.Episode References/Links:Time For Well-Being Website - https://www.time4wellbeing.comCareer Clarity Journey: Define Your Career Path - https://mailchi.mp/7b47af821797/3jwkmtvr4yStop Second Guessing Your Next Career Move (Free Training) - https://exclusive.time4wellbeing.comDanielle Droitsch on LinkedIn - https://www.linkedin.com/in/danielledroitschThe Big Leap by Gay Hendricks - https://a.co/d/8qEawaVBright Side Up by Amy Spencer - https://a.co/d/c5gcIbRGuest Bio:Danielle Droitsch is an executive leadership and career clarity coach with 30 years of experience in managing, directing, and leading. She is a trained lawyer who spent several decades working in the environmental law and policy space (and continues that work) while focusing most of her time on helping mid- to senior-level professionals level up so they can love their work and create positive impact wherever they go. Danielle works with people who want to love their work and feel passionate and driven by what they do but don't believe they are on the right path yet. Her approach centers on uncovering and discovering each person's superpowers and strengths. She believes we all focus too much on our skills and knowledge and forget that the secret sauce to life and fulfillment lies in our talents. If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Danielle Droitsch 0:00  Whatever you can do to minimize the stuff that's draining you, but you're basically paying attention to what energizes you. And chances are that the things that energize you are actually the things you're really good at, and that's where your actual career growth happens. So there's a correlation between things that bring you energy, so you feel more fulfilled at work, and it happens to be the places where you are that's your superpowers. Lesley Logan 0:24  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 1:07  All right, Be It babe. This is great, this interview, this episode, this whole thing has me lit up. And also, like afterwards, our guest today and I were just chatting, and I, she is just such a bright light and such as her superpower comes through this whole episode, and I can say that having talked to her before this episode, after this episode, and so we're actually talking about that. And I think it's really interesting, some of you might be like, oh, I don't have any superpowers, we talked about that too. We also talked about how you can start to find it, and how the ease of leaning into that can actually change your life, and it changed Danielle's life. So Danielle Droitsch is our guest today. She's an executive coach. She all she used to be an environmental lawyer, and so I'm just like putting that out there, because I think it's so interesting how we can so easily put ourselves in a box or in a track and think that we can't change it's too late for us. We just got to push through. No. The answer is no. There's support out there for you. There's help out there, and there's free resources for you. So here is Danielle Droitsch. Lesley Logan 2:09  All right, Be It babe. This is really fun. I recently got to meet our guest today, and I was so excited talking to her, and then Brad got involved, and we just started chatting about life. And you know, it's going to be a great guest, if like, you can be fast friends. So, Danielle Droitsch, can you tell everyone who you are and what you rock at? Danielle Droitsch 2:24  Hello. I'm so excited to chat with you today. So my name is Danielle Droitsch. I am Zooming in from Salt Lake City, Utah, but from the Washington, DC area. And I am an executive and leadership coach, and I'm all about superpowers. So I'm excited to dive in with you about that today.Lesley Logan 2:43  Oh my gosh, I love it. And like, what a big transition, like DC to Salt Lake. No offense to Salt Lake. It's so beautiful. But like lots of people to spread out, not so many people.Danielle Droitsch 2:55  It was quite it was quite a transition. I'm here to support my aging parents, but yeah, so like, parts of DC I'm happy to leave behind, and very love the outdoors here. And you know, we are part of a small enclave of progressive people that are, you know, trying to do good in the world. Lesley Logan 3:15  I love it. I love it so much. Okay, so you said you're an executive coach and you are a big fan of superpowers. Is this what you went to school for? Like, is this something we can get a degree in? How do we get here?Danielle Droitsch 3:28  No, I totally, like, it was just such a, so I'm basically trained as a lawyer. So I went and had many years of doing what I thought I should do, what success I thought looked like did what my parents thought I should do. And I mean, I still love that I did part of that journey. But what happened was, I was 25 years into my career, working at a major organization, I was a manager, and I just had a wall, and that's when I had this big transformation of, well, if this is it, if this is my career, then, hmm, I don't know. This doesn't quite feel like it. That's not what it was I had aspired to. I was really looking to feel fulfilled. And so I went on this long journey, we could talk about it, but a journey where I eventually figured out that I was not putting my superpowers to work at all, and it wasn't until I figured them out that I figured out that my pathway, that's not true for everyone, but my pathway was not to be a manager and a lawyer and all of that. It was a completely different pathway, but I never would have known it until I figured out my secret sauce.Lesley Logan 4:44  Oh my gosh. I think, like so many of us, can resonate, you know, there's a certain there's a certain group of, especially women, who are, like, definitely told, like, do all these things, check all these boxes, and then you will feel fulfilled. And then we check all the boxes, and we're like, exhausted, check. Fulfilled, what does that mean?Danielle Droitsch 5:05  What does that even mean? Exactly. It's like, it sounds like a great word, but that's the thing you could and then you spend time searching and searching and searching, and we kind of look in all the wrong places. We look on LinkedIn, like, what did that person do? What did my neighbor do? Maybe I need to travel more, maybe I need more money, maybe I need whatever, you know, and we just, we kind of keep trying all these different things on I did, I mean, I was all over the map for years, like I was like, okay, maybe I won't work on this issue. I'll work on that issue. Or maybe I should do this, you know, role at my organization. Or, you know, there were certain things I tried that really, really worked. Meditation was something I tried, and it's been in my life ever since, exercise, same. But there's other things I tried that were like, absolutely no go's. And I remember talking to you and Brad about this, but a lot of what I was trying was like, around mission, like, purpose. And I was like, oh, I should volunteer here, and I should do that. And I actually figured out that spending time on passion wasn't the answer. I'm not at all about, let's not do passionate things. But it, you know, fast forward, it took me, like, three years to figure it out. I felt like, oh my God, like, how many, how much time is this gonna take? And I finally figured out that the answer was had to do with what I was naturally good at. And that's what I mean when I say superpower.Lesley Logan 6:30  Okay, thank you for defining that. Because I actually think that, like, think we even talked about this, but like, I sometimes think that, like, figuring out your purpose or your passion is like, such a heavy lift. It's like, because it kind of feels like there's no going back, like, once I figured this out, that's it, you know, and then you're like, but I haven't even tried trampoline yet. I don't know. It almost, I think some people have a hard time because it could feel limiting, like, once you figured out, also, there's so much pressure, and then, and then what? And then it has to make me money, which I disagree with. I don't think it really does, but I really I want to just go back to like, what you're naturally good at. This, this is something that I think is really hard for people to recognize, because we think it comes so easy to us. So why would it even be worthy? Why would it even be worthwhile? Why would it be valuable?Danielle Droitsch 7:19  Yes, oh my gosh, you just sort of nailed it. And this is, this is when I work with my clients. It's like the, one of the first things I work with my clients on, regardless of what problem or issue or challenge they have, is we start with, where are your superpowers? And that's because they don't know.Lesley Logan 7:40  Yes (inaudible) I already have 10 listeners going, I don't have any superpowers. I was gifted. None of those. My sister has them all.Danielle Droitsch 7:50  My sister would say that she would be like, I have no superpowers. And I've been spent I've spent all these years saying, yes, you do, but it is so natural. They are so natural, they're so innate, they are hidden to you. So if there's one thing that people are listening to right now, I can promise you that you actually unless you've gone through the exercise of actually figuring out your superpowers, you do not likely know them. And I'm telling this to the people who are like, oh, I know my strengths, and they'll say things like, I'm strategic (inaudible) and I'm a great communicator, and I'm like, that's, I mean, that's, that's like a that's like a tiny, tiny, tiny, little bit of a strength. It's really about your innate ability to create impact, and it doesn't have to do with a skill that's different. A skill is learned, like trampoline. You know, you can learn, you can learn word processing, and you can learn, you know, how to put out a podcast, and you can learn lots of like project management. I'm sure people on this call could say, oh, yeah, I can do all those things. That's not your secret sauce. Your secret sauce is in how you create impact in the world, and I didn't know it, and it was only in my 40s that I was actually able to figure out, oh my gosh, like I have been all wrong. I've been focused all this time on my skills and my knowledge, and thought that's how we're success, not saying you don't need skills and knowledge. I mean, for sure, but my fulfillment, my growth, my career directory, my clarity about who I am as a person, everything kind of comes back to that, and it takes a little bit of work, but you can figure it out. And I promise you, that's where you start to feel the energy that helps you feel aligned.Lesley Logan 9:37  Okay, I'm really in because, like so at this household, we're big fans of like string finders. We make all of our anybody we're gonna hire, we want to know what they're like, naturally inclined to do because I'm not going to put someone who is not detail oriented on on my on my assistant team. I am not detail oriented. Everyone who works with me needs to figure it out. But I also agree that, like some of those things that were strong at work are not necessarily things that we were innately born with. We kind of, like, learned them, skilled them over time, and, like, kind of really lean into those things. I also think that a lot of people busy themselves with all the things they're not good at, so they get the feedback at work that they're not a great communicator, and they take all these communicating classes, and they're like, working on these week that that's gonna make you feel so far away from your superpower. Because, like, at least, at least going into the strength skills you have, at least can feel good, at least feel accomplished, but maybe not fulfilled. So I guess, can we talk about, like, how we figure it out? I mean, obviously we need you, but like, can we talk about, like, a little bit of, like, what are some signs we have a superpower, or that we're working with it, or working what do we got?Danielle Droitsch 10:49  Yeah, it is, I mean, and, you know, I definitely encourage taking things like strengths assessments, because they'll just give you some bread crumbs. It doesn't say how you specifically are good, because these assessments can only take it so far, but it gives you some indications. And I did want to, like, quickly jump on this whole idea of weaknesses, because we are trained from like, itty bitty to focus on our weaknesses. Like the minute you come home with a C or even a D on your report card. Your parents are like, on you, they're like, you gotta move it up. You gotta move it up. And we're even doing that to our own kids. Like, now, I've kind of been reprogrammed for my own kid. It's, it's fine. We all when you're learning in school, it's good to build that basic skills. But when you're getting to, you know, your career, and especially in your middle or later in your career, you kind of have already have a lot of skills and knowledge. And so we have a lot of people who are like, oh, I got to figure this out and taking courses. And, you know, I don't, I don't disparage that. I'm all the time like, sure, constantly grow, but your actual growth edge, in terms of your full potential, whether you're thinking personally or you're thinking professionally, is not found in fixing weaknesses, period. We know this from the research. So what we want to do is we want to lean into a strength, and so the strength is not a skill. So I'll use myself as an example. I had a lot of skills in the legal space, in the policy space, and I would try to learn and take some continuing education. And I prided myself on, oh, I knew the latest and whatever is going on the law, and people would give me some feedback on that. So I think, oh, that's what I needed to do. But what was I doing around the office. I had a team. I would meet with them, I would learn about their lives. I cared about their growth. I spent time thinking, okay, how can we make this person better at what they do? And I never gave credence to that part of my role. I was just so focused on more knowledge and more information, and really all around me, I had been the person who actually is really good at helping another person in my office and eventually in my coaching business, help them actually really cultivate their own potential, and that's through conversation and through encouragement and through a whole bunch of like stuff that I would have ever given any sort of like value to I was like, doesn't everybody do that? No, not everybody (inaudible).Lesley Logan 13:30  Doesn't everybody get to know people? Doesn't ever, no, people don't, actually. You're right, I know, but to the point it's something so natural to you. Of course, I want to get to know this person. Of course, I want to hear what their goals are. Of course, wouldn't that be the thing a team leader does is, like, figure out how to help them out. Oh, this is so cool, this is so great.Danielle Droitsch 13:41  Yeah, so you don't so I didn't know that. I was like, literally, I mean, I was always helping my friends out, helping my family out, helping my colleagues out, and I was obsessed with becoming a better, whatever knowledge person in the legal space. And I wasn't really growing in that space. I was okay, but I wasn't extraordinary. And I remember there was a there was a time later in my early my coaching career, where somebody came to me and they after a coaching session, and they were like, you're amazing. You're so good at what you do. I had never heard that kind of feedback when I was in my profession. Never. No one ever came to me at work and said, You are the most amazing lawyer. I was like, you know, got some good reviews, but like, my when I noticed that actually I was I had leaned in to this part of me that I had kind of treated as not very valuable. I was like, Oh, you're just miss relationship person. Well, guess what? That's it. It's relationships, it's cultivation, it's all of that stuff. And so then suddenly I get the feedback that's where your superpower is. So it does take a little bit of time to figure out it's a great practice. And the key way to know your strengths is when you feel energy, you need to follow the energy. Anytime I ever, you know, connected with someone and sort of help them out. I was getting energy from that when I was trying to figure out a legal issue, I wasn't it wasn't even draining me. It was just bah, that's it. So you that's the place where you need to go. Is the energy that is a clue to your superpowers. And it's not just relationship strengths. There's all these different kind of strengths, but at the end of the day, it's when you feel energy and when you notice that you lose time. Lesley Logan 15:31  Yeah, I agree with that. In Gay Hendricks' book, there's a chapter on the big leap. And I remember reading the book going this chapter makes no sense. Why is this chapter in this book. Like, why is there a whole chapter on Einstein Time and Newtonian time? Like, why is this here? And it took me, like, the fifth read. I was like, going through it, and I was like, oh, my god, this is what the book's all about. And the idea is, like, when we are really in the thing that we are meant to do that, like, we're just, it's just innately part of us. You can bend time. Time can expand. You can get so much out of it. You you can get lost in time. Time flies by. It's not like, my god, it's been seven minutes, okay, we're still here, you know, like, it's this whole it's kind of amazing. And so I think that's what a great sign everyone can take away is just to start tracking, like, what part of my day do I feel more energized, or the time flew by? Like, what was I doing? Just, just being an observer in your life. You don't even have to, like, do more than that, I would assume right now. Danielle Droitsch 16:30  Yes, that's it. You just, you just nailed one of the first exercises that I do with my clients is journal, if you can, for like, a week, even better, longer, but just write down and what people, when my clients come back to me and say, I did this, there's usually, and I'm there, there's usually a, you know? Oh, I thought I hated all meetings, which many of us do, like we're just meeting down, right? We're just so tired (inaudible).Lesley Logan 16:56  I work from home, and somehow I'm in meetings all day. Danielle Droitsch 16:58  So it's like I know that some of your listeners are like, yes, this is my debate in my existence. Like, I'm just sitting on meetings. But not all meetings are created equal, right? So what we want to do is sort of like, which makes sometimes you're in a meeting, you're having a strategic conversation with someone, and you're kind of really, you know, getting your brain active. You're thinking problem solving, and that conversation was pretty cool. And you're like, ooh, that goes into we call the lifts and the drains. You have a lift another call. You're like, going through a to do list, figuring out project management. Maybe that's a drain. You're like, I am so tired of going through the project management plan. And then there's other activities, which might be neutral, it's fine like it doesn't. But what we want, and this is the key thing, is the researchers who have kind of studied all of this stuff around fulfillment and engagement at work, if you can get to at least 20% of your day to be in that sort of energy zone, then you're what you're actually able to move the needle considerably on fulfillment. So you don't need for every single hour of your day. Lesley Logan 18:11  Okay, well, that's mind-blowing, because I think that's the other thing, is that we think that, like, the whole day should be in fulfillment. I should just be in my strengths the whole day. I don't, you know like, and the truth is, is that I've even like thought, like, am I, am I, I like, created this whole thing that I love so much. And again, I'm in these meetings, like, did I create a disaster that I have to live in? But actually, like, if 20% if you're, if I spend 20% of my day in my superpower. Then even if the other 80% is not in, I'm still moving the needle forward towards towards fulfillment. I love that. That is so great.Danielle Droitsch 18:48  Yes, it is. And this is what you do. You start with just noticing. A lot of us don't notice. I mean, we're just kind of barreling through a life. And a lot of what I know you talk about Lesley all the time is just waking up to your life. You just got to wake up. You got to just start noticing. And that's kind of key to this whole exercise that I am talking about here, is you cannot just wake up and do your to do list and go through your meetings and then hope and pray that maybe things start to get more fulfilling. You have to start to notice, like, okay, that was draining. That was you don't have to, like, be judgy about it. You don't have to be like, Oh my gosh, I hate my job. You don't have to be like that. You can be like, okay, I'm going to take some time objectively and look, because sometimes people come to me, they're like, I hate my job. And then they realize there's one part of their job that they hate and there's another part of their job they actually really enjoy. They're just not paying a whole lot of attention to it. And they could magnify the part of the job they love, they may not be able to get rid of the part of the job they hate. Let's all be honest, like there's parts that we I don't love. I don't love administration of my business, you know, calendaring, it just drives me crazy, right? So we just have to kind of look for those things that we're able to magnify, that the things that bring us energy, and that is usually the first step to the creating, the creation of more fulfilling work. And what I mean by magnifying is more time, maybe, or just more attention in that space. And what start people have noticed, you know, getting back to the research, is that their actual levels of fulfillment, engagement go up in their jobs. And it doesn't matter what kind of job it can be the most restrictive job out there, and it still creates more energy, if you focus on the 20%. Lesley Logan 20:37  Okay, this is, I do think this is great, because I think it's so easy for us to go, oh my gosh, I'm going to work and I'm stressed out. So work stresses me out. So we just have to, like, create a reason. And really what we're not exploring is like, actually, where my I face a wall at work, and actually, when I have this, when I'm in these meetings, I actually light up because, oh, I'm facing a window. So maybe I just need to change, ask for a change and view of my desk, or maybe I work in that meeting room as much as I possibly can, you know, like different things like that, because sometimes we're just it's all or nothing. It's an all or nothing mentality that so many of us are raised to have. If it's not perfect, it's not good, if everything isn't rosy and unicorns, then it's the wrong path. Like, if you have one door closed, then you're on the wrong path. Like, but I, Danielle, you're giving us so much permission, because first, we're just observing, and I think that's really hard for the perfectionist and overachievers listening, but my dears, like in just observation mode of how your day is going and where your energy is ebbing and flowing, and then it's trying to magnify where the energy flow happened, and then seeing what's going on, because maybe we don't have to quit the job. You know, like, I read this one book a long time ago. Think it was called, like, [Bright] Side Up or something like that. I remember the author's name, name is Amy Spencer, and there's a whole chapter on, like, parking the car or draw like, or driving away, right? But not idling. And sometimes we, like, have, like, think we have to, just like, get rid of the whole job, but, oh, it actually pays all these things I want, so I'll just kind of deal with it when what you're saying is like, well, what if we can magnify that? And that magnification might actually lead to another role, or it might lead to a whole other career. You might actually end up like you did, switching because you leaned in so much. But you don't have to know right away.Danielle Droitsch 22:19  No, and in fact, I would say a lot of people, we all fall into this trap, too, everyone. We all fall into it. But the trap is I will finally be happy when, dot, dot, dot.Lesley Logan 22:32  That's why this podcast exists, for that win. Stop doing the I will finally be happy when.Danielle Droitsch 22:37  Yeah, it's like we've got, and this happens with jobs all the time. I mean, people have most I mean most of the American workforce, 70% of the global workforce, are not happy in their roles. That's incredible. It is a staggering and very unsatisfying statistic. And that's not just pandemic. That is we have a workplace that is so different than our, whateve,r grandfather's or our parents from the 50s, 60s and 70s. So we're, you know, things are broken. I'm, I'll be the first one to say we don't have a great workplace for our people. But the thing I will say right after that is, you have the power, you have the flexibility to actually empower yourself to make that career actually work for you, and the way you do that is first by noticing what energizes you. And it could be something as simple as where you sit. It could be, I really like that person at work, and I'm going to spend more time with them. It could be, I really like this project and I'm gonna spend more time on it. There's a lot of different ways that you can do that, but that is called job crafting. That's the official term. And then you can, you know, whatever you can do to minimize the stuff that's draining you, but you're basically paying attention to what energizes you, and chances are that the things that energize you are actually the things you're really good at, and that's where your actual career growth happens. So there's a correlation between things that bring you energy, so you feel more fulfilled at work, and it happens to be the places where you are that's your superpowers. And then what happens is your job crafting, and you're not maybe you would need to change your job at some point. But you're not waiting. You're not waiting for some big change to happen, because, frankly, you're gonna find drains, lifts and drains in every job. It doesn't matter.Lesley Logan 24:32  Yeah, oh yeah, guys, no. I mean, even I have so many people who are like, I just want to work for myself. And I'm like, working for yourself. Is it is not like, like, I have a girlfriend who's like, hey, you want to do a pool day, and I'm like, oh, no, I'm working today. Like, I would love to do a pool day, but like, I also have a job that I have to do with a schedule, you know, so, like, I absolutely am unemployable. It's clear I've been asked to quit, but people like me, and they're like, we don't want to fire you, but you're not actually doing the job we want. I'm like, no, you're correct. I job-crafted myself out of a job, is what I did. But I think, like, it's, you know, we like to think the grass is greener, and it's just, it's not. But the people I've seen who who work at other places, who are have have really created a life that they're fulfilled, or like that just seems to be enjoyable and have a level of happiness. They are the ones leaning into their superpowers. I have, one of my best friends. You know, she'd been frustrated in her job for a long time, and she said, I just told my team, I'm no longer doing these things for you. You are capable of doing these things. Here's where I come in for your job. And she basically changed what her job is even though, because she couldn't change her job, like, she's like, I really can't go anywhere else, and I really can't change these things. I'm gonna do these things here. And she's having a really great time. Is it perfect? No, still have the same job, yes, but she's doing the things that she's like, I'm really, I'm really good at these things. You can't take these things away from me. Like, this is what I'm the strongest at, and I what I love, what you're saying is we're not waiting. You are more control of how fulfilled you can be than you think, and jobs are going to suck in a lot of places. But if you are aware of how you are in your superpower, you can really create your own path. Danielle Droitsch 26:15  Yes, and I mean, we have, if you are a so called white collar worker, your ability to craft your job, as in, make shifts and changes to how you deploy your work. It doesn't mean you're you're saying I'm not going to do my basic job responsibilities, but there's just tremendous flexibility in how we conduct ourselves. So what your friend did was exactly right. There are, there are things I'm not going to do anymore. I'm not going to do that. You can do that. We're going to get it done, but it's not going to be necessarily on my plate. The kinds of things people are doing are they start to change the number of meetings or the nature of the meetings that they're having. If you're a one to one person, more one to one and less group, if you don't have enough time on your calendar to strategize you really enjoy, sort of getting into the data, then you need to like craft time around having that space and time, because you're going to actually bring a better strategic mind, because you're not sitting in meetings all day. There's lots of different ways you can job craft, but it starts with you. It starts with you knowing where am I energized? What do I enjoy? Where am I drained? What's neutral? And then you just move the needle. And you might be at you might say, Hey, I think I'm at 20% already, which is great, if you are. I want to be 30%. I want 30% of my week to be in that strengths or energy zone. And here's what I'm going to do, to do it. And I promise you, at 10% it might seem like a little number, it's like, oh, just 30% Guess what? You will notice it. You will notice it. You will start to be more fulfilled. You're going to be more engaged in the job. People are going to notice your energy. And then you're going to actually start to sort of deal with that career growth that a lot of people are seeking. They want to, they want to, like, when you said perfectionist, like, a lot of people, want to deliver high performing work. They're, they're, they're trying to bring their best to work. The problem is, is that they're bringing their best selves to work, in terms of, like, quality of work, but they're actually kind of, like, not really deeply engaged. We need to see your superpowers come out, and that's where the 20 to 30% becomes a complete sea change.Lesley Logan 28:25  Yeah, so. And also, like, I recently interviewed someone who is, like, helping people, like, prevent, you know, like, it's like, layoff proof or something like that. Like, if you get laid off, your life is gonna be okay. Because she had said, and I didn't, I did not double check this quote, but I it feels right. She said it by 2032 work will be different than we think, because of AI, right? And I like, I'm not someone who's like, AI is going to like be everything, because I really don't, really don't think so. I think there's a lot that they have to learn. They haven't even figured how to monetize it. I but I also think that, like, it's already here, like apps and tools like that already use it. We've been using a project management tool that basically has AI built into it with these different things. So I do think work is going to change, and where I keep coming back to something that I remember, I think, with Seth Godin, who said it, god, 20 years ago, I heard this. He's like, you know, you cannot like they even though AI is creating stuff, they're creating stuff off things that are existing you, if you are a creative person, if you like the if you are in your superpower, that is not something a robot can take away. Like that is not something AI can take away. And I think like now more than ever, the more we all figure out what our superpower is, the more layoff proof we really are. And because someone's gonna need to run the AI.Danielle Droitsch 29:39  Somebody has to run the AI. But I had a client just a few, few days ago. She was, been in fear of a layoff. And, I mean, it was a real, real fear. I mean, she was given time, like we have this much time. And then she came back to me proudly and said, I just made myself indispensable. So she figured out a way to bring her superpowers forward, so that she had to be the person on the team to help with something. And she's got all these superpowers, and she figured it out. So part of like, what we're talking about here is this idea of career growth, this idea of like, not being stagnant. I come at it from a perspective of, nobody wants to go to a job and hate it like we want to love our jobs. We do not want to go to work and just be like zombies. Do we? For most people, I'll bet most of your listeners, if not all of them, it is not just about a paycheck. And so we really, really want to have, I mean, ideally, love our work, and that's where I come from. But if you're also thinking, I want to love my work and I want to grow. I want to think about where my career is going. Then, yeah, by all means, figure out your superpowers and very quickly, because it is not about skills and strengths. When you're mid to senior in your career, everybody else has those skills and strengths too. And of course, AI is coming to pick them up. It's going to be found in this secret way, this unusual way, for you to manage people, to be a strategic thinker, to influence others. I mean, these are all what strengths are. They're soft, but they're crucial, and you probably don't even know you're doing them, which is why you have to figure them out. Lesley Logan 31:19  Can you tell me, like, what are just like, like, what are some superpowers you've seen in clients? Like, just because, like, name them off, because I think some people are like, thinking of superpower has to be like, I can see, like, I only know that people can, like, articulate what they think a superpower is (inaudible). Danielle Droitsch 31:34  It's a bit of a process. So I'll just pull out some of my big favorites. And these are ones I see in my regular clients, achievers. So achievers are people who they're basically laser focused on getting projects done. It is not just about the project. It's that they are tireless workers to reach a result and that, and they might have examples of that, like degrees they might have achieved or projects. But the achievers are the ones who are the ones who actually get the job done. And then you have the examples of that. Another example would be in the influencing category. We have a whole set of influencing. It's people who are great at activating new project, mobilizing resources, and mobilizing people to actually ramp something new up. Another example would be the developer, which is basically someone who is great at helping someone else reach their full potential. These are the managers. These are the leaders who are great at cultivating teams. Another example. Lesley Logan 32:34  These are the managers. We hope that every manager has a developing.Danielle Droitsch 32:38  So many terrible managers out there, it's unbelievable, anyway. And so, yeah, if you're a great manager, my goodness, you are marketable. Like, that's a transferable skill, because we don't have enough great managers or the ability to bring a team together around a common goal. Yeah, it's great to be able to project manage, but it's the person who's really able to sort of bring a team together and say, we are all rowing the same way. And that's a lot of lot of special little powers you bring to get everybody, usually it's a disparate and very diverse group of people to say together we're doing. And then a final example, and there's, in my world, if there's 34 of them, so I'm not going to, you know, go through all of them, but the final couple would be one is the person in the room who's the strategic thinker who's really able to figure out that pathway. They're thinking, hey, you know what? We have this challenge or this problem, they're the one who just incisively, can cut through all the noise and figure out what the pathway is, and they might be getting there first before everyone else, and they don't understand why no one else figures it out. And then the final one I'll share is the person who is the ideator, the person in the room who is just great at generating ideas, cultivating new things, innovation. Sometimes that's the ad people and the sales people, but sometimes that's just, you know, it's, you're just a person in the room saying, I have an idea. Those are just at a smattering, and there was no skills or strengths. I mean, no skills or knowledge, and anything I just shared with you.Lesley Logan 34:05  I agree. I I'm the ideator around here, and the and Brad walks around going, no, that, we'll take we'll take this idea and that idea, we can do it. It's just, it's gonna cost us a lot of money. And, and I'm like, oh, like, I didn't want to spend that much money on that idea. Like, I just thought it'd be, like, this easy thing to do, okay, but, like, it's quite fun. And I had no idea, because I was someone like, why can't I finish anything? You know? Why do I have all these my head is full of ideas, and I just feel like I can't finish anything. And actually, it's because that's not my strength. It's not my superpower, to finish anything.Danielle Droitsch 34:38  Yeah, you're like, you're the person in the room who generates and I'm sure that in your life and your business, you could point to specific things you're doing that were generated by you, the thing, and this is a little bit of advanced thinking in the in the strength zone, but you may feel like you're weak at something, but actually, it's actually a superpower that's being overextended. So for my ideators, I'll say, they'll they'll come to me and say, I'm so weak at this, this mess. And what it is is that if you're ideating and you have a lot of ideas and you're just constantly throwing them out, the over extension or overuse of a strength is just to know that only a couple of your ideas are going to move forward, and that's it. So sometimes people come to me and they're like, oh, I'm so weak at this. And then we'll look at their strengths and talk, and I'm like, you know what? I don't think it's a weakness. I think it's just that you are trying to exercise a strength a little bit more. And what we want to do is we want to put the strength superpower in the strength zone. Sometimes we may be overextending something. So don't think you're weak just because, you know, I just see it too often, especially with my women clients, like they come in, they're like, I'm so bad. Like, I'll use myself as an example. That I used to think as my relationship strengths, as my weakness, that I was too soft, too emotional. And in fact, what it was was that I didn't have any space or time in my workplace, which is very, you know, kind of masculine and, you know, very corporate, that there was no space for me to be cultivating my emotional intelligence in there. It was just get things done. But in a coaching space, all of my emotional intelligence was really welcome. So you just want to be really aware that it may not be a weakness, it may be a strength. It's just you have to figure out the right place for it. Lesley Logan 36:24  That makes so much sense, Danielle, because, like, it's the same as me telling people, like, well, you're not really supposed to overwork out, like you might actually be working out too much, and that's why you have aches, pains, injuries, high cortisol levels, terrible sleep. Like there is a balance. So that, to me, makes so much sense. This is really refreshing and quite cool and also approachable. And I just want to like highlight, like it really is a be it till you see it, because you get to start an observation mode, and then you get to play in a low percentage you guys have, and that's so, so great for the perfectionist who are practicing recovery to be like, just like, what's this percentage? And how can I dial it up a little bit more and a little bit more at a time until, oh my gosh, you are totally loving what your your day is like. And we I just, thank you, Danielle, for just highlighting all of this for us. We're gonna take a brief break and we're gonna find out where people can find you, follow you and find out their superpowers with you. Lesley Logan 37:02  All right, Danielle, where do you hang out? Where can they learn their superpower? What do you have for us?Danielle Droitsch 37:28  I you find me on LinkedIn, connect with me. Please reach out. Connect with me on LinkedIn, I have a gazillion resources there on everything from leadership to confidence to superpowers. That's the best place to find me. Where I hang out. I also am on a couple of other places, and you can find me on my website at time4wellbeing, the number four, time4wellbeing.com.Lesley Logan 37:48  Perfect, wonderful. You all, go check her out on LinkedIn, and then go check her website for those free resources. We love that. You have given us some great stuff already, but bold, executable, intrinsic, targeted steps people can take to be it till they see it. What do you have for us? Danielle Droitsch 38:02  Yeah, so just follow your energy. That's where your superpowers live. The clarity doesn't come from thinking harder harder. Confidence doesn't come from faking it. I know you. This is something you've said a lot. They come from activating what's true about you.Lesley Logan 38:02  That's beautiful. I couldn't agree more. I really, it's really someone at the end of another podcast, go, you're so confident. And I'm like, and like, how did you get to be so confident? I'm like, I think I just just keep trying to do what I said I was going to do each and every day it doesn't come, you don't you don't get deemed it, y'all.Danielle Droitsch 38:43  No, no. And I mean, honestly, I have led many people to this confidence journey, and we are waiting for this mindset to ship to show up. And we know, again, I'm a research-based gal. Confidence is not built through the mindset. It is built through action and failure and success and getting right back up. And I would say, I've been gone through that gamut, like many of your listeners have. It sounds like you have, too, but it's not through waiting for it. It is really about action.Lesley Logan 39:18  Yes, yes, yes, yes, all things, yes, Danielle, we are so grateful to have you like you just have been so wonderful. And I'm so excited that you figured out what your superpower is so you could be doing this with other people like, thank goodness. I mean, I'm sure you were a great environmental law lawyer, and the environment needed you. But I think all of us, ladies here, and the few good men who listen, need you too. So thank you all. You guys, how are you going to use these tips in your life? Make sure you tell Danielle on LinkedIn. You tag the beitpod, share this with a friend who needs to hear it. Maybe you got a friend who's just not really sure what their superpower is and until next time, Be It Till You See It. Lesley Logan 39:51  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 40:33  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell. Lesley Logan 40:38  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 40:43  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 40:49  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 40:53  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

FAN MAIL--We would love YOUR feedback--Send us a Text MessageNew York stands at a crossroads where history hums beneath every headline. We open the archive on the city's most contentious mayors—Boss Tweed's machine, Fernando Wood's secession gambit, Oakey Hall's complicity, and Jimmy Walker's glamour-soaked graft—to understand how power, patronage, and public appetite shaped what's possible in City Hall. That backdrop sharpens the stakes of today's race, where frontrunner Zoran Mandani pitches “pragmatic socialism” with a $30 minimum wage by 2030, rent freezes, fare-free buses, and new taxes on the city's wealthiest.We examine how ambitious social policy collides with budget constraints, competitiveness, and quality of services. What does it take to fund fare-free transit without starving maintenance? How do rent controls affect housing supply, vacancies, and enforcement? Can a city expand safety by pairing officers with social workers while stabilizing recruitment and morale? Along the way, we probe Mandani's foreign policy posture around the ICC and diplomatic immunity, highlighting the legal limits of municipal authority and the risk of symbolic fights that distract from core city functions.Zooming out, we scan pivotal races in New Jersey and Virginia to gauge how suburban and urban voters are sorting themselves on taxes, schools, and criminal justice. New York remains a bellwether: when it moves, policy markets listen. We bring receipts, historical parallels, and hard questions to test whether bold promises can become durable progress rather than another spin of the patronage wheel. If you care about the future of urban governance, budgets, public safety, and the health of democratic institutions, this one's essential listening.If the conversation resonates, follow the show, share it with a friend, and leave a review with your predictions for these races—what outcome do you expect, and why?Key Points from the Episode:• setting the stakes for the New York City mayoral race  • Boss Tweed and Tammany Hall as foundations of machine politics  • Fernando Wood's secession plan and public backlash  • Oakey Hall and Jimmy Walker as later cycles of graft  • modern allegations and the need for civic guardrails  • Mandani's platform on wages, rents, transit, and taxes  • policing shifts, recruitment strain, and social worker pairing  • diplomatic and legal limits on municipal foreign policy stances  • first 100 days scenarios and funding realities  • New Jersey and Virginia races as regional bellwethers  • predictions, risks, and what to watch nextOther resources: Want to leave a review? Click here, and if we earned a five-star review from you **high five and knuckle bumps**, we appreciate it greatly!

In this inspiring episode, host Lisa Paladino, RN, CNM, IBCLC sits down with Dr. Radhika Kapoor, DDS to explore a truly holistic approach to infant and child oral health. Drawing from her background in psychology, pediatric dentistry, airway-focused care, and lived experience as a mom, Dr. Kapoor shares how she “zooms out” beyond the frenulum to support the whole child and family.You'll hear about:From procedures to people: Why Dr. Kapoor built a low-volume, relationship-centered practice that screens the whole family and prioritizes prevention and function over “drill, fill, release.”Airway-first lens: How sleep, feeding, behavior, and growth interconnected and why early assessment can be game-changing.Teamwork that actually works: Creating tight, trusted referral loops among IBCLCs, SLPs, PT/OT, CST, pediatric dentistry, and ENT, so parents aren't left to “project-manage” care alone.Ethics & expectations: Why every consult shouldn't end with a laser; the pitfalls of repeat releases; and the most responsible way to handle post-op second opinions.Parent empowerment (without fear): What questions to bring to a consult, how to align family goals, and how to spot red flags in online advice and wound photos.Provider well-being: The feminine, values-driven path: self-care, transparency, and humility as a foundation for excellent clinical outcomes.Find Dr. Kapoor here: Instagram: @SmileWellnessHoboken Website: MySmileWellness.com YouTube: Smile Wellness 333Special thanks to the sponsor of this episode: IAOM (International Association of Orofacial Myology) Visit their website here:https://iaom.com/ More From Tongue Tie Experts:To learn more, download freebies, and for the links mentioned in the episode, including our popular course, Understanding Milk Supply for Medical and Birth Professionals, click here: www.tonguetieexperts.net/LinksUse code PODCAST15 for 15% off all of our offerings.A gentle disclaimer. Please do not consider anything discussed on this podcast, by myself or any guest of the podcast, to be medical advice. The information is provided for educational purposes only and does not take the place of your own medical or lactation provider.

Rachel Dashiell looks at the chart of Western Digital (WDC) after earnings. She points out a "cup and handle" pattern developing over the last 20 days, before turning into a "pennant pattern" after its earnings move which could suggest further bullish upside. Zooming out to a longer, 1-year chart, Rachel does highlight a bearish divergence taking place in its RSI momentum study which is more of a function of the stock's leveling off after a 400% run-up from April lows.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Send us a textTired of hearing “quality” without seeing the difference? We dig into how small, family-run shed businesses win by diversifying into what rural customers truly need—safe rooms, metal buildings, shipping containers, and even culverts—while keeping service at the center. Instead of chasing every opportunity, we talk through how to add products that align with current logistics, training, and equipment so teams can scale without chaos. You'll hear why on‑lot displays and side‑by‑side examples sell complex options better than slogans, and how a focused CRM and clean follow‑up turn walk‑ins into long‑term customers.We also unpack the economics behind big structures. Yes, percentage margins can be thinner, but ticket sizes drive strong absolute profit and stickier relationships. Pair that with rent‑to‑own, and you create a path for families to secure essentials like concrete safe rooms when cash is tight but safety can't wait. The strategy is simple: be the rural solutions yard where people come to touch, compare, and ask hard questions. If you're operating inside a 60‑ to 100‑mile radius, this approach builds trust—and repeat business.Zooming out, we tackle where the industry is headed. Expect more consolidation chatter, with manufacturers eyeing vendors and vice versa, but also a clearer split: national players mass‑producing sheds at scale, and local companies thriving through diversified, community‑minded offerings. Along the way, we share a personal health update that reframes resilience and gratitude, and we lean into generational sustainability—estate planning, leadership transitions, and financial stewardship that keep family enterprises strong. If you believe a rising tide lifts all boats, this conversation is your playbook for growing the pie, not just your slice.If this resonated, follow the show, share it with a colleague who needs a fresh strategy, and leave a quick review to help more builders and dealers find us. Your feedback shapes future episodes—what should we dive into next?For more information or to know more about the Shed Geek Podcast visit us at our website.Would you like to receive our weekly newsletter?  Sign up here.Follow us on Twitter, Instagram, Facebook, or YouTube at the handle @shedgeekpodcast.To be a guest on the Shed Geek Podcast visit our website and fill out the "Contact Us" form.To suggest show topics or ask questions you want answered email us at info@shedgeek.com.This episodes Sponsors:Studio Sponsor: Shed ProShed SuiteCALShed ChallengerLuxGuardMaking Sales Simple

Last time we spoke about the beginning of the Wuhan Campaign. As Japanese forces pressed toward central China, Chiang Kai-shek faced a brutal choice: defend Wuhan with costly sieges or unleash a dangerous flood to buy time. The Yellow River breached its banks at Huayuankou, sending a wall of water racing toward villages, railways, and fields. The flood did not erase the enemy; it bought months of breathing room for a battered China, but at a terrible toll to civilians who lost homes, farms, and lives. Within Wuhan's orbit, a mosaic of Chinese forces struggled to unite. The NRA, split into competing war zones and factions, numbered about 1.3 million but fought with uneven equipment and training. The Japanese, deploying hundreds of thousands, ships, and air power, pressed from multiple angles: Anqing, Madang, Jiujiang, and beyond, using riverine forts and amphibious landings to turn the Yangtze into a deadly artery. Yet courage endured as troops held lines, pilots challenged the skies, and civilians, like Wang Guozhen, who refused to betray his country, chose defiance over surrender. The war for Wuhan was not a single battle but a testament to endurance in the face of overwhelming odds.   #173 The Fall of Wuhan Welcome to the Fall and Rise of China Podcast, I am your dutiful host Craig Watson. But, before we start I want to also remind you this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Perhaps you want to learn more about the history of Asia? Kings and Generals have an assortment of episodes on history of asia and much more  so go give them a look over on Youtube. So please subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry for some more history related content, over on my channel, the Pacific War Channel where I cover the history of China and Japan from the 19th century until the end of the Pacific War. In the last episode we began the Battle of Wuhan. Japan captured Anqing and gained air access to Jiujiang, Chinese defenses around the Yangtze River were strained. The southern Yangtze's Ninth War Zone held two key garrisons: one west of Poyang Lake and another in Jiujiang. To deter Japanese assault on Jiujiang, China fortified Madang with artillery, mines, and bamboo booms. On June 24, Japan conducted a surprise Madang landing while pressing south along the Yangtze. Madang's fortress withstood four assaults but suffered heavy bombardment and poison gas. Chinese leadership failures contributed to the fall: Li Yunheng, overseeing Madang, was away at a ceremony, leaving only partial contingents, primarily three battalions from marine corps units and the 313th regiment of the 53rd division, participating, totaling under five battalions. Reinforcements from Pengze were misrouted by Li's orders, arriving too late. Madang fell after three days. Chiang Kai-shek retaliated with a counterattack and rewarded units that recaptured Xiangshan, but further progress was blocked. Li Yunheng was court-martialed, and Xue Weiying executed.   Madang's loss opened a corridor toward Jiujiang. The Japanese needed weeks to clear minefields, sacrificing several ships in the process. With roughly 200,000 Chinese troops in the Jiujiang–Ruichang zone under Xue Yue and Zhang Fukui, the Japanese captured Pengze and then Hukou, using poison gas again during the fighting. The Hukou evacuation cut off many non-combat troops, with over 1,800 of 3,100 soldiers successfully evacuated and more than 1,300 missing drowned in the lake. Two weeks after Hukou's fall, the Japanese reached Jiujiang and overtook it after a five-day battle. The retreat left civilians stranded, and the Jiujiang Massacre followed: about 90,000 civilians were killed, with mass executions of POWs, rapes, and widespread destruction of districts, factories, and transport. Subsequently, the Southern Riverline Campaign saw Japanese detachments along the river advance westward, capturing Ruichang, Ruoxi, and other areas through October, stretching Chinese defenses thin as Japan pressed toward Wuchang and beyond. On July 26, 1938, the Japanese occupied Jiujiang and immediately divided their forces into three routes: advancing toward De'an and Nanchang, then striking Changsha, severing the Yue-Han Railway, and surrounding Wuhan in an effort to annihilate the Chinese field army. The advance of the 101st and 106th Infantry Divisions slowed south of the Yangtze River, yet the Central China Expeditionary Army remained intent on seizing Ruichang and De'an to cut off Chinese forces around Mount Lu. To this end, the 9th and 27th Infantry Divisions were deployed to the sector, with the 9th regarded as an experienced unit that had fought in earlier campaigns, while the 27th was newly formed in the summer of 1938; this contrast underscored the rapidly expanding scope of the war in China as the Japanese Army General Staff continued mobilizing reservists and creating new formations. According to the operational plan, the 101st and 106th Divisions would push south toward De'an to pin Chinese defenders, while the 9th and 27th Divisions would envelop Chinese forces south of the river. Okamura Yasuji ordered five battalions from the 9th to move toward De'an via Ruichang, and the Hata Detachment was tasked with securing the area northwest of Ruichang to protect the 9th's flank. North of the Yangtze, the 6th Infantry Division was to move from Huangmei to Guangji, with Tianjiazhen as the ultimate objective; capturing Tianjiazhen would allow the 11th Army to converge on Wuhan from both north and south of the river.  The operation began when the 9th Division landed at Jiujiang, threatening the left flank of the Jinguanqiao line. The Chinese responded by deploying the 1st Corps to counter the 9th Division's left flank, which threatened the Maruyama Detachment's lines of communication. The Maruyama Detachment counterattacked successfully, enabling the rest of the 9th Division to seize Ruichang on August 24; on the same day, the 9th attacked the 30th Army defending Mount Min. The Chinese defense deteriorated on the mountain, and multiple counterattacks by Chinese divisions failed, forcing the 1st Corps to retreat to Mahuiling. The seizure of Ruichang and the surrounding area was followed by a wave of atrocities, with Japanese forces inflicting substantial casualties, destroying houses, and damaging property, and crimes including murder, rape, arson, torture, and looting devastating many villages and livelihoods in the Ruichang area. After Ruichang and Mount Min fell, the Maruyama Detachment and the 106th Infantry Division advanced on Mahuiling, seeking to encircle Chinese forces from the northwest, with the 106th forming the inner ring and the Maruyama Detachment the outer ring; this coordination led to Mahuiling's fall on September 3. The 27th Infantry Division, arriving in late August, landed east of Xiaochikou, providing the manpower to extend Japanese offensives beyond the Yangtze's banks and outflank Chinese defenders along the river. Its main objective was to seize the Rui-wu highway, a vital route for the continued advance toward Wuhan. After the fall of Mahuiling, Japanese command altered its strategy. The 11th Army ordered the Maruyama Detachment to rejoin the 9th Infantry Division and press westward, while the 101st Infantry Division was to remain at Mahuiling and push south toward De'an along with the 106th Infantry Division. This divergent or “eccentric” offensive aimed to advance on Wuhan while protecting the southern flank. The renewed offensive began on September 11, 1938, with the 9th Infantry Division and Hata Detachment advancing west along the Rui-yang and Rui-wu highways toward Wuhan, followed days later by the 27th Infantry Division. Initially, the Japanese made solid progress from Ruichang toward a line centered on Laowuge, but soon faced formidable Chinese defenses. The 9th and 27th Divisions confronted the Chinese 2nd Army Corps, which had prepared in-depth positions in the mountains west of Sanchikou and Xintanpu. The 27th Division encountered stiff resistance from the 18th and 30th Corps, and although it captured Xiaoao by September 24, its vanguard advancing west of Shujie came under heavy attack from the 91st, 142nd, 60th, and 6th Reserve Infantry Divisions, threatening to encircle it. Only the southward advance of the 101st and 106th Divisions relieved the pressure, forcing the Chinese to redeploy the 91st and 6th Reserve Divisions to the south and thereby loosening the 27th's grip. After the redeployment, the 9th and 27th Divisions resumed their push. The 9th crossed the Fu Shui on October 9 and took Sanjikou on October 16, while the 27th seized Xintanpu on October 18. The Hata Detachment followed, capturing Yangxin on October 18 and Ocheng on October 23, further tightening Japanese control over the highways toward Wuhan. By mid-October, 11th Army commander Okamura Yasuji resolved to sever the Guangzhou-Hankou railway to disrupt Chinese lines. On October 22, the 9th and 27th Divisions attacked toward Jinniu and Xianning. By October 27, the 9th had captured Jinniu and cut the railway; the 27th Division extended the disruption further south. These actions effectively isolated Wuchang from the south, giving the Imperial Japanese Army greater leverage over the southern approaches to Wuhan. The push south by the 101st and 106th Infantry Divisions pressed toward De'an, where they encountered the entrenched Chinese 1st Army Corps. The offensive began on September 16 and by the 24th, elements of the 27th Division penetrated deep into the area west of Baishui Street and De'an's environs. Recognizing the growing crisis, Xue Yue mobilized the nearby 91st and 142nd Divisions, who seized Nanping Mountain along the Ruiwu Line overnight, effectively cutting off the 27th Division's retreat. Fierce combat on the 25th and 26th saw Yang Jialiu, commander of the 360th Regiment of the 60th Division, die a heroic death. Zhang Zhihe, chief of staff of the 30th Group Army and an underground CCP member, commanded the newly formed 13th Division and the 6th Division to annihilate the Suzuki Regiment and recapture Qilin Peak. Learning of the 27th Division's trap, Okamura Yasuji panicked and, on the 25th, urgently ordered the 123rd, 145th, and 147th Infantry Regiments and mountain artillery of the 106th Division on the Nanxun Line, along with the 149th Regiment of the 101st Division on the Dexing Line, to rush to Mahuiling and Xingzi. To adapt to mountain warfare, some units were temporarily converted to packhorse formations. On the 27th, the 106th Division broke through the Wutailing position with force, splitting into two groups and pushing toward Erfangzheng and Lishan. By the 28th, the three regiments and mountain artillery of the 106th Division advanced into the mountain villages of Wanjialing, Leimingguliu, Shibaoshan, Nantianpu, Beixijie, and Dunshangguo, about 50 li west of De'an. On the same day, the 149th Regiment of the 101st Division entered the Wanjialing area and joined the 106th Division. Commanded by Lieutenant General Junrokuro Matsuura, the 106th Division sought to break out of Baicha and disrupt the Nanwu Highway to disrupt the Chinese retreat from De'an. At this juncture, Xue Yue's corps perceived the Japanese advance as a predatory, wolf-like maneuver and deemed it a strategic opportunity to counterattack. He resolved to pull forces from Dexing, Nanxun, and Ruiwu to envelop the enemy near Wanjialing, with the aim of annihilating them. Thus began a desperate, pivotal battle between China and Japan in northern Jiangxi, centered on the Wanjialing area. The Japanese 106th Division found its rear communications cut off around September 28, 1938, as the Chinese blockade tightened. Despite the 27th Division's severed rear and its earlier defeat at Qilin Peak, Okamura Yasuji ordered a renewed push to relieve the besieged 106th by directing the 27th Division to attack Qilin Peak and advance east of Baishui Street. In this phase, the 27th Division dispatched the remnants of its 3rd Regiment to press the assault on Qilin Peak, employing poison gas and briefly reaching the summit. On September 29, the 142nd Division of the 32nd Army, under Shang Zhen, coordinated with the 752nd Regiment of the same division to launch a fierce counterattack on Qilin Peak at Zenggai Mountain west of Xiaoao. After intense fighting, they reclaimed the peak, thwarting the 27th Division's bid to move eastward to aid the 106th. Concurrently, a portion of the 123rd Regiment of the 106th Division attempted a breakout west of Baishui Street. Our 6th and 91st Divisions responded with a determined assault from the east of Xiaoao, blocking the 123rd Regiment east of Baishui Street. The victories at Qilin Peak and Baishui Street halted any merger between the eastern and western Japanese forces, enabling the Chinese army to seal the pocket and create decisive conditions for encircling the 106th Division and securing victory in the Battle of Wanjialing. After the setback at Qilin Peak, Division Commander Masaharu Homma, defying Okamura Yasuji's orders to secure Baishui Street, redirected his focus to Tianhe Bridge under a pretext of broader operations. He neglected the heavily encircled 106th Division and pivoted toward Xintanpu. By September 30, Chinese forces attacked from both the east and west, with the 90th and 91st Divisions joining the assault on the Japanese positions. On October 1, the Japanese, disoriented and unable to pinpoint their own unit locations, telegrammed Okamura Yasuji for air support. On October 2, the First Corps received orders to tighten the encirclement and annihilate the enemy forces. Deployments were made to exploit a numerical advantage and bolster morale, placing the Japanese in a desperate position. On October 3, 1938, the 90th and 91st Divisions launched a concerted attack on Nantianpu, delivering heavy damage to the Japanese force and showering Leimingguliu with artillery fire that endangered the 106th Division headquarters. By October 5, Chinese forces reorganized: the 58th Division of the 74th Army advanced from the south, the 90th Division of the 4th Army from the east, portions of the 6th and 91st Divisions from the west, and the 159th and 160th Divisions of the 65th Army from the north, tightening the surrounding cordon from four directions. On October 6, Xue Yue ordered a counterattack, and by October 7 the Chinese army had effectively cut off all retreat routes. That evening, after fierce hand-to-hand combat, the 4th Army regained the hilltop, standing at a 100-meter-high position, and thwarted any Japanese plan to break through Baicha and sever Chinese retreat toward De'an. By October 8, Lieutenant Colonel Sakurada Ryozo, the 106th Division's staff officer, reported the division's deteriorating situation to headquarters. The telegram signaled the impending collapse of the 106th Division. On October 9, Kuomintang forces recaptured strategic positions such as Lishan, tightening encirclement to a small pocket of about three to four square kilometers in Nantianpu, Leimingguliu, and Panjia. That night, the vanguard attacked the Japanese 106th Division's headquarters at Leimingguliu, engaging in close combat with the Japanese. Matsuura and the division's staff then took up arms in defense. In the early hours of October 10, Japanese forces launched flares that illuminated only a narrow arc of movement, and a limited number of troops fled northwest toward Yangfang Street. The two and a half month battle inflicted tremendous casualties on the Japanese, particularly on the 101st and 106th divisions. These two formations began with a combined strength of over 47,000 troops and ultimately lost around 30,000 men in the fighting. The high casualty rate hit the Japanese officer corps especially hard, forcing General Shunroku Hata to frequently airdrop replacement officers onto the besieged units' bases throughout the engagement. For the Chinese, the successful defense of Wanjialing was pivotal to the Wuhan campaign.  Zooming out at a macro level a lot of action was occurring all over the place. Over in Shandong, 1,000 soldiers under Shi Yousan, who had defected multiple times between rival warlord cliques and operated as an independent faction, occupied Jinan and held it for a few days. Guerrillas briefly controlled Yantai. East of Changzhou extending to Shanghai, another non-government Chinese force, led by Dai Li, employed guerrilla tactics in the Shanghai suburbs and across the Huangpu River. This force included secret society members from the Green Gang and the Tiandihui, who conducted executions of spies and perceived traitors, losing more than 100 men in the course of operations. On August 13, members of this force clandestinely entered the Japanese air base at Hongqiao and raised a Chinese flag. Meanwhile, the Japanese Sixth Division breached the defensive lines of Chinese 31st and 68th Armies on July 24 and captured Taihu, Susong, and Huangmei Counties by August 3. As Japanese forces advanced westward, the Chinese Fourth Army of the Fifth War Zone deployed its main strength in Guangji, Hubei, and Tianjia Town to intercept the offensive. The 11th Army Group and the 68th Army were ordered to form a defensive line in Huangmei County, while the 21st and 29th Army Groups, along with the 26th Army, moved south to outflank the Japanese. The Chinese recaptured Taihu on August 27 and Susong on August 28. However, with Japanese reinforcements arriving on August 30, the Chinese 11th Army Group and the 68th Army were unable to sustain counteroffensives and retreated to Guangji County to continue resisting alongside the 26th, 55th, and 86th Armies. The Chinese Fourth Army Group directed the 21st and 29th Army Groups to flank the Japanese from the northeast of Huangmei, but they failed to halt the Japanese advance. Guangji fell on September 6, and while Guangji was recovered by the Chinese Fourth Corps on September 8, Wuxue was lost on the same day. Zooming back in on the Wuhan Front, the Japanese focus shifted to Tianjiazhen. The fortress of Tianjiazhen represented the 6th Infantry Division's most important objective. Its geographic position, where the Yangtze's two banks narrow to roughly 600 meters, with cliffs and high ground overlooking the river, allowed Chinese forces to deploy gun batteries that could control the river and surrounding terrain. Chinese control of Tianjiazhen thus posed a serious obstacle to Japan's amphibious and logistical operations on the Yangtze, and its seizure was deemed essential for Japan to advance toward Wuhan. Taking Tianjiazhen would not be easy: overland approaches were impeded by mountainous terrain on both sides of the fortress, while an amphibious assault faced fortified positions and minefields in the narrow river. Recognizing its strategic importance, Chinese forces reinforced Tianjiazhen with three divisions from central government troops, aiming to deter an overland assault. Chinese preparations included breaching several dykes and dams along the Yangtze to flood expanses of land and slow the Japanese advance; however, the resulting higher water levels widened the river and created a more accessible supply route for the Japanese. Instead of relying on a long overland route from Anqing to Susong, the Japanese could now move supplies directly up the Yangtze from Jiujiang to Huangmei, a distance of only about 40 kilometers, which boosted the 6th Division's logistics and manpower. In August 1938 the 6th Infantry Division resumed its northward push, facing determined resistance from the 4th Army Corps entrenched in a narrow defile south of the Dabie Mountains, with counterattacks from the 21st and 27th Army Groups affecting the 6th's flank. The Dabie Mountains are a major mountain range located in central China. Running northwest to southeast, they form the main watershed between the Huai and Yangtze rivers. The range also marks the boundary between Hubei Province and its neighboring provinces of Henan to the north and Anhui to the east. By early September the 6th had captured Guangji, providing a staging ground for the thrust toward Tianjiazhen, though this extended the division's long flank: after Guangji fell, it now faced a 30-kilometer front between Huangmei and Guangji, exposing it to renewed Chinese pressure from the 21st and 27th Army Groups. This constrained the number of troops available for the main objective at Tianjiazhen. Consequently, the Japanese dispatched only a small force, three battalions from the Imamura Detachment, to assault Tianjiazhen, betting that the fortress could be taken within a week. The KMT, learning from previous defeats, reinforced Tianjiazhen with a stronger infantry garrison and built obstacles, barbed wire, pillboxes, and trench networks, to slow the assault. These defenses, combined with limited Japanese logistics, six days of rations per soldier, made the operation costly and precarious. The final Japanese assault was postponed by poor weather, allowing Chinese forces to press counterattacks: three Chinese corps, the 26th, 48th, and 86th, attacked the Imamura Detachment's flank and rear, and by September 18 these attacks had begun to bite, though the floods of the Yangtze prevented a complete encirclement of the eastern flank. Despite these setbacks, Japanese riverine and ground operations continued, aided by naval support that moved up the Yangtze as Matouzhen's batteries were overtaken. After Matouzhen fell and enabled a secure riverine supply line from Shanghai to Guangji, 11th Army commander Okamura Yasuji quickly sent relief supplies upriver on September 23. These replenishments restored the besieged troops near Tianjiazhen and allowed the Japanese to resume the offensive, employing night assaults and poison gas to seize Tianjiazhen on September 29, 1938, thereby removing a major barrier to their advance toward Wuhan along the Yangtze. The 11th Army pressed north along the Yangtze while the 2nd Army, commanded by Prince Naruhiko Higashikuni, concentrated the 3rd, 10th, 13th, and 16th Infantry Divisions around Hefei with initial aims at Lu'an and Heshan and the broader objective of moving toward the northern foothills of the Dabie Mountains. When Chinese forces began destroying roads west of Lu'an, Naruhiko shifted the 2nd Army's plan. Rather than pushing along a line from Lu'an to Heshan, he redirected toward the Huangchuan–Shangcheng corridor, where more intact roads remained accessible, and Chinese withdrawals in the Huangchuan–Shangceng area to counter the 11th Army's Yangtze advance allowed the 2nd Army to gain speed in the early stage of its offensive. The 10th and 13th Infantry Divisions were ordered to begin their advance on August 27, facing roughly 25,000 Chinese troops from the Fifth War Zone's 51st and 77th Corps, and achieving notable early gains. The 10th captured Lu'an on August 28, followed by the 13th taking Heshan on August 29. The 10th then seized Kushi on September 7. Meanwhile, the 13th crossed the Shi River at night in an attempt to seize Changbailing, but encountered stiff resistance from multiple Chinese divisions that slowed its progress. To bolster the effort, Naruhiko ordered the Seiya Detachment from the 10th Division—three infantry battalions—to reinforce the 13th. Despite these reinforcements, momentum remained insufficient, so he deployed the 16th Infantry Division, which had arrived at Yenchiachi, to assault Shangcheng from the north. After crossing the Shi River at Yanjiachi, the 16th outflanked Shangcheng from the north, coordinating with the 13th from the south; the Chinese withdrew and Shangcheng fell. Following this success, Naruhiko ordered the 13th and 16th Divisions to push deeper into the Dabie Mountains toward Baikou and Songfu, while the 10th and 3rd Divisions moved toward Leshan and Xinyang, with Xinyang, a crucial Beijing–Wuhan Railway node, representing a particularly important objective. The Japanese advance progressed steadily through the Dabie Mountains, with the 10th executing bold maneuvers to outflank Leshan from the south and the 3rd penetrating toward the Beijing–Wuhan railway north of Xinyang, collectively disrupting and cutting the railway near Xinyang in October. An independent unit, the Okada Detachment, operated between these forces, advancing through Loshan before sealing Xinyang on October 12. The seizure of Xinyang effectively severed Wuhan's northern artery from external reinforcement and resupply, signaling a decisive turn against Wuhan as a Chinese stronghold. While the 2nd Army advanced in the Dabie Mountains, another critical development was taking place far to the south. By the end of 1937, southern China became more crucial to the Republic of China as a lifeline to the outside world. Guangzhou and Hong Kong served as some of the last vital transportation hubs and sources of international aid for Chiang Kai-Shek, with approximately 80 percent of supplies from abroad reaching Chinese forces in the interior through Guangzhou. Imperial General Headquarters believed that a blockade of Guangdong province would deprive China of essential war materiel and the ability to prolong the war. As I always liked to term it, the Japanese were trying to plug up the leaks of supplies coming into China, and Guangzhou was the largest one. In 1936 the Hankow-Canton railway was completed, and together with the Kowloon-Canton railway formed a rapid all-rail link from south China to central and northern China. For the first sixteen months of the war, about 60,000 tons of goods transited per month through the port of Hong Kong. The central government also reported the import of 1.5 million gallons of gasoline through Hong Kong in 1938, and more than 700,000 tons of goods would eventually reach Hankou using the new railway. In comparison, the Soviet Union in 1937 was sending war materiel through Xinjiang to Lanzhou using camels, with Chinese raw materials traveling back either the same route or via Hong Kong to Vladivostok. By 1940, 50,000 camels and hundreds of trucks were transporting 2,000–3,000 tons of Soviet war material per month into China. Japanese planning for operations began in early November 1937, with the blockade's objectives centered on seizing a portion of Daya Bay and conducting air operations from there. In December 1937, the 5th Army, including the 11th Division, the Formosa Mixed Brigade, and the 4th Air Brigade, were activated in Formosa under Lt. Gen. Motoo Furusho to achieve this objective. Due to the proximity of Daya Bay to Hong Kong, the Japanese government feared potential trouble with Britain, and the operation was subsequently suspended, leading to the deactivation of the 5th Army. By June 1938, the Battle of Wuhan convinced Imperial General Headquarters that the fighting could not be localized. The headquarters reversed policy and began preparations to capture Guangzhou and to expedite the settlement of the war. During the peak of the battles of Shanghai and Nanjing, urgent demands for aerial support at the Battle of Taiyuan in the north and at Canton in the south forced the Nationalist Air Force of China to split the 28th Pursuit Squadron and the 5th Pursuit Group , based at Jurong Airbase in the Nanking defense sector. The squadron was divided into two smaller units: Lt. Arthur Chin led one half toward Canton, while Capt. Chan Kee-Wong led the other half to Taiyuan. On September 27, 1937, the 28th PS under Lt. Arthur Chin dispatched four Hawk IIs from Shaoguan Airbase, and the 29th PS under Lt. Chen Shun-Nan deployed three Hawk IIIs from Tianhe Airbase. Their mission was to intercept Japanese IJNAF G3M bombers attempting to strike the Canton–Hankow railway infrastructure. The two flights engaged the Japanese bombers over Canton, claiming at least two kills; one G3M dumped fuel and ditching off the coast of Swatow, with its crew rescued by a British freighter, though one of the gunners died of battle injuries. In October 1937, amid mounting demands and combat losses, the Chinese government ordered 36 Gloster Gladiator Mk.I fighters, whose performance and firepower surpassed that of the Hawk IIs and IIIs, and most of these would become frontline fighters for the Canton defense sector as the war extended into 1938. On February 23, 1938, Capt. John Huang Xinrui, another Chinese-American volunteer pilot, took command of the renewed 29th PS, now equipped with the Gladiators. He led nine Gladiators from Nanxiong Airbase on their first active combat over Canton, supporting three Gladiators from the 28th PS as they intercepted thirteen Nakajima E8N fighter-attack seaplanes launched from the seaplane tenders Notoro Maru and Kinugasa Maru. The battle proved challenging: most of the Gladiators' machine guns jammed, severely reducing their firepower. Despite this, five of the E8Ns were shot down, confirmed by Capt. Huang and his fellow pilots who managed to strike the Japanese aircraft with only one, two, or three functioning guns per Gladiator. Chin later revealed that the gun jams were caused by defective Belgian-made ammunition. The combat nevertheless proved tragic and costly: Lt. Xie Chuanhe (Hsieh Chuan-ho) and his wingman Lt. Yang Rutong pursued the E8Ns but were stymied by inoperable weapons, with Lt. Yang killed in the counterattack, and Lt. Chen Qiwei lost under similar circumstances. The 4th War Area Army, commanded by He Yingqin, was assigned to the defense of south China in 1938. General Yu Hanmou led the 12th Army Group defending Guangdong province. The region's defense included about eight divisions and two brigades of regular army troops stationed around Guangzhou, with an additional five divisions of regular troops deployed in Fujian. The 4th War Area Army totaled roughly 110,000 regular army troops. By this time, most regular army units in Guangxi and four Guangdong divisions had been redirected north to participate in the Battle of Wuhan. Beyond the regular army, two militia divisions were deployed near Guangzhou, and the Guangxi militia comprised five divisions. Militia units were typically raised from local civilians and disbanded as the army moved through new areas. Their roles centered on security, supply transportation, and reconnaissance. Guangdong's main defensive strength was concentrated in Guangzhou and the immediate environs to the city's east. Other Chinese forces defended Chaozhou and western Guangdong. Defensive fortifications included the Humen fortress guarding the Pearl River mouth and three defensive lines near Daya Bay. Guangzhou housed three batteries of four three-inch guns, a battery of three 120mm guns, and Soviet-supplied 37mm anti-aircraft guns. The Imperial Japanese Navy conducted an aerial and naval interdiction campaign aimed at China's communication lines to neighboring regions. Japan believed that the blockade would hasten the end of the war, and disruption of the Chinese logistics network was the primary objective in Guangdong province from August 1937 until October 1938. The 5th Fleet's blockading actions extended along the coast from Haimenchen, Zhejiang to Shantou, with the 5th Destroyer Squadron patrolling the coast south of Shantou. At times, units from the Marianas were deployed to support coastal blockade operations in south China, usually consisting of cruisers accompanied by destroyer flotillas. One or two aircraft carriers and fleet auxiliaries would also be on station. Naval interdictions focused on stopping junks ferrying military supplies from Hong Kong to coastal China. The first recorded attack occurred in September 1937 when eleven junks were sunk by a Japanese submarine. Although Japan successfully blockaded Chinese shipping and ports, foreign shipping could still enter and depart from Hong Kong. The central government had established Hong Kong as a warehouse for munitions and supplies to pass through. Aerial interdictions targeted Chinese railway bridges and trains in Guangdong. Starting in October 1937, the Japanese launched air raids against the Sunning railway, focusing on government facilities and bridges in Jiangmen and towns along the railway. By 1938, airstrikes against the Kowloon–C Canton railway became common, with damaged trains periodically found along the line. An air-defense early warning system was created to divert trains during raids into forested areas that offered overhead concealment. In May 1938, the Colonial Office and the Foreign Office approved a Chinese request to construct and operate a locomotive repair yard within the New Territories to keep the railway operational. Airstrikes against rail facilities in Guangzhou were designed to interrupt rail supplies from Hong Kong so Japan would not need to commit to land operations in south China. However, the air raids did not severely impede railway operations or stop supplies moving through Hunan or Guangxi. The blockade in south China also targeted aircraft flying out of Hong Kong. In November 1937, a Royal Navy aircraft from HMS Eagle encountered Japanese naval anti-aircraft fire off the coast of Hong Kong. In December 1937, fifteen Japanese bombers overflew Lantau Island and the Taikoo docks. In August 1938, Japanese naval aircraft shot down a China National Aviation Corporation passenger plane, and two Eurasia Aviation Corporation passenger planes were shot down the following month. Beyond military targets, the Japanese conducted politically motivated terror bombing in Guangzhou. Bombing intensified from May to June 1938 with incendiary munitions and low-level strafing attacks against ships. The Imperial Japanese Navy Air Service, operating from Formosa and the carrier Kaga, conducted about 400 airstrikes during this period and continued into July. By the end of the summer, Guangzhou's population had dwindled to approximately 600,000 from an original 1.3 million. From August 1937 to October 1938, casualties in Guangzhou were estimated at 6,000 killed and 8,000 injured. On October 12, 1938, Japanese forces from the 21st Army, including the 5th, 18th, and 104th Infantry Divisions, landed in Guangzhou, launching the operation at 4:00 am with elements of the 5th and 18th Divisions hitting Aotou and elements of the 104th Division landing at Hachung in Bias Bay. Initially totaling about 30,000 men, they were soon reinforced by a further 20,000, and resistance was minimal because most of Yu Hanmou's 12th Army Group had been redeployed to central China to defend approaches to Wuhan, leaving only two regular Chinese divisions, the 151st and 153rd, to defend the region. By the night of October 12, the Japanese had established a 10-kilometer-deep beachhead and advanced inland; on October 13 they seized the towns of Pingshan and Tamshui with little opposition, and on October 15 they converged on Waichow and captured it. The fall of Pingshan, located on the Sai Kong River with a deep, broad river and only a flimsy crossing, and Waichow, where Chinese defenses included trenches and concrete pillboxes, surprised observers since these positions had been prepared to resist invasion; nonetheless, Chinese forces fled, opening the road to Guangzhou for the Japanese. Between October 16 and 19, three Japanese columns pushed inland, with the easternmost column crossing the East River on the 16th and the 5th Infantry Division capturing Sheklung on the 19th as Chinese forces retreated. By the night of October 20, Guangzhou's defenders withdrew and adopted a scorched-earth policy to deny resources to the invaders. On October 21, Japanese tanks entered Guangzhou without infantry support, and a regiment from the 5th Infantry Division captured the Bocca Tigris forts with no resistance. With Guangzhou secured, the Guangzhou–Wuhan railway and the Hong Kong–Guangzhou railway were severed, supplies to Wuhan were cut, Chiang Kai-Shek faced a daunting and depressing task, he had to abandon Wuhan. I would like to take this time to remind you all that this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Please go subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry after that, give my personal channel a look over at The Pacific War Channel at Youtube, it would mean a lot to me. The Yangtze became a bloodied artery as Chinese and Japanese forces clashed from Anqing to Jiujiang, Madang to Tianjiazhen. A mosaic of Chinese troops, filled with grit and missteps, held lines while civilians like Wang Guozhen refused to surrender. The siege of Wanjialing crowned Chinese resilience, even as Guangzhou buckled under a relentless blockade. The Fall of Wuhan was all but inevitable.

Ahead of next week's earnings event, Brett Crowther checks out the chart for eBay (EBAY). On the shorter-term 5-day chart, he highlights a small range between $94-$96 with low trading volume, suggesting a wait-and-see approach from investors. Zooming out to 1-year chart, Brett looks at a range between $87-$101. He notes that shares tested that $87 support level 4 times in the past couple of months. Going back to April, Brett draws an upward channel line that shows an overall drift higher in shares.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

A single claim on a debate stage can snowball fast. We open with a charged Albuquerque mayoral moment, a televised fact-check, and a deeper question about access: when homelessness consumes a city's attention and budget, who gets to see what's really happening inside the shelters we fund? From there we trace how a New Mexico judge's reading of the state constitution could collide with the U.S. Supreme Court's Grants Pass ruling, reshaping encampment enforcement, due process, and the daily life of residents and businesses—especially where drug use and pedestrian risk already run high.Zooming out, we follow the incentives behind a grinding federal shutdown. Why would one party press for a clean continuing resolution and the other resist it despite the pressure from unpaid workers? We unpack the polling, the blame game, and why modern presidents lean on executive orders when Congress stalls—creating a cycle where rules swing every few years and cities struggle to plan. We also challenge a viral political ad that blames tariffs for $25 fair food, contrasting it with retailer data showing holiday basket prices returning toward 2019 levels. The real drivers behind sticky grocery inflation aren't as simple as a slogan.Along the way, we scrutinize a proposed ICE tracker that could endanger agents amid rising attacks, debate how to balance enforcement with treatment and shelter capacity, and call for basic transparency: public bed counts, performance dashboards, and access with privacy safeguards. It's a candid tour through local politics, constitutional law, shutdown strategy, and the economics shaping your daily life.If this resonated, tap follow, share the episode with a friend who cares about practical solutions, and leave a quick review—your feedback helps more curious listeners find the show.Website: https://www.nodoubtaboutitpodcast.com/Twitter: @nodoubtpodcastFacebook: https://www.facebook.com/NoDoubtAboutItPod/Instagram: https://www.instagram.com/markronchettinm/?igshid=NTc4MTIwNjQ2YQ%3D%3D

The market is sending mixed signals, so what does that mean for buyers and sellers right now? Prices are cooling toward neutral, new listings are finally creeping up, pending sales just slipped, and days on market are the longest since 2019. We sort through the latest data so you can read your local market with clear eyes. A government shutdown is already touching housing. With the National Flood Insurance Program paused, some coastal and riverine deals are stalling as buyers struggle to bind coverage. We explain one potential workaround by assigning an existing policy, plus how many closings could be delayed if the lapse drags on. Zooming out, we track fresh signs of consumer strain. Subprime auto delinquencies are at a record, average car payments now top 750 dollars a month, and sentiment has split sharply between households with big stock portfolios and those without. Several states are flirting with recession risk, which could tug mortgage rates lower, while sticky inflation could keep them pinned. In This Episode We Cover Cooling home prices, rising days on market, and what a near-flat Case-Shiller trend means for offers and list strategy The shutdown's housing ripple effects, including the flood insurance lapse and an assignment tactic that may keep deals alive Why pending sales dipped even as new listings rose, and how to negotiate in a thinner buyer pool Auto loan stress, four-figure car payments, and what these budget pressures mean for future housing demand A tale of two consumers, plus a state-by-state look at recession risk and how that feeds into mortgage rates Action steps for buyers, sellers, and investors in a market that is cooling, not crashing Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Dave's BiggerPockets Profile   Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/on-the-market-364⁠   Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this powerful and no-holds-barred conversation, I sit down with Brad Bizjack, a mindset strategist and personal development expert who's walked through monumental challenges and rebuilt his life and business from the ashes. We dive into why mindset is more than just “be positive,” how your relationship with problems determines your trajectory, and what it actually looks like to build resilience in 2025. If you've felt stuck or overwhelmed by business problems lately, this episode will leave you feeling lighter, more empowered, and ready to move forward. Brad's journey from being $92,000 in debt to leading thousands through transformation gives him rare credibility and perspective as a mindset coach.  He shares raw, personal stories of collapse and rebirth, and practical tools you can use right now to shift your thinking, rewire limiting patterns, and deal with adversity with more clarity and strength. Timeline Highlights [00:03:09] Brad's backstory: struggling, in debt, and binge-watching reruns... until a mindset shift changed everything [00:09:04] Why “mindset” is misunderstood: blind positivity vs. true optimism [00:12:28] Your success is proportional to your relationship with problems [00:17:43] When it all went wrong: a cascade of events collapsing Brad's business [00:23:09] The turning point: shifting from problem-focus to solution-focus [00:24:11] The root: subconscious patterns from childhood that derail your business [00:45:17] Zooming out: cycles, seasons, and how perspective changes everything Top 5 Quotes from Brad “Mindset is not 'be positive'. That is not what that means. It requires true optimism to face what you're dealing with.” “True mindset work is about identifying the toxic beliefs, the thought processes, the limiting emotional patterns, the limiting identities, the energetic state that you tend to live in consistently, and being a mirror for the pieces of your heart that aren't healed yet.” “Your success is completely and directly proportional to the quality of your relationship with problems.” “Whatever you are currently resisting in your life is the thing you are giving your power away to.” “Successful people recognize that they are an emotional thermostat, not a thermometer. They might have a little dip, but they'll be pretty steady throughout it.” Links & Resources Join Brad's Free Success Accelerator Challenge (October 20–24) Get Brad's Wired For Success eBook Follow Brad on Instagram @BradBizjack Closing Note If this episode gave you new momentum or insights, I'd love for you to rate, follow, share, and review the podcast. Your support helps more coaches and practitioners find this show, and helps me keep bringing you more conversations like this.

When she saw me running backwards and forwards and getting confused, shouting "oh no I can't organise my thoughts because I'm running backwards and forwards and getting confused", my grandmother used to put a hand on my shoulder and say "more haste, less speed". I looked her square in the eye and said "oh my god you mad hag everyone knows time = distance / speed, that is the most stupid thing I've ever heard". Then I would fall asleep from not being able to find my keys. It is THAT spirit of GET IT DONE that Gav brings to the world when he drives a car: up to - and exceeding! - the speed limit. This time, however, he has been caught, and now the only Zooming he's doing is in a meeting with a speed awareness instructor! (That's a real joke: there are nearly FOUR in this episode.) Meanwhile, Joe brings an angry father into the show. A man who wants to know why his debutante offspring has been scandalised to death by our vulgar utterances. And Log has joined a gym that is expensive beyond reason and reckons he can put it against his tax bill if he says it was research for the podcast. "Western Streets" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/