Simply Explaining Insurance
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Simply Explaining Insurance Podcasts
Welcome to The Walters Agency Podcast—your go-to resource for making insurance simple, stress-free, and tailored to your needs! Hosted by Timothy Walters, licensed insurance agent and owner of The Walters Agency, this podcast is designed to help families, homeowners, and small business owners throughout East Tennessee navigate the often-confusing world of insurance. Our mission? To provide clear, practical insights that ensure you’re covered, protected, and confident in your choices. We beli ...
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Join us for Simply Defensive, a podcast dedicated to exploring the world of defensive cybersecurity through the lens of real-world experts. In each episode, we'll interview leading professionals from the cybersecurity industry, delving into their experiences, challenges, and innovative solutions. Whether you're a seasoned cybersecurity veteran or just starting to learn about the field, Simply Defensive offers valuable insights and practical advice to help you stay ahead of the curve. Tune in ...
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Join your host Scott Wisniewski and a thriving community of ER Doctors who are learning to simplify money and make smarter financial decisions. As a hardworking Emergency Physician, it's important to know the vital signs of your financial health, and the profession simply comes with complexities others don't understand. This podcast is created to be your go-to resource for straightforward advice uniquely tailored for ER Doctors. Join us every week for new episodes, and you can find more tool ...
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The Banking Bros., real life brothers Jeremiah and Jonah Dew, seek to teach people how to save & spend money at the same time by using something they were never taught growing up, at school, or at the office—the Infinite Banking Concept. If you’re ready to learn about the ideal asset and how you can use it for yourself, watch our video and then schedule a call with us at https://saveandspendsystem.com/getting-started-page
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Join Dr. Charles Mok as he challenges the status quo and pushes to make health care a thing of the past and health "cure" the standard of the future. His vision is to not only prevent disease but eliminate it altogether. There's more to healthcare than just managing symptoms with drugs, traditional medicine, and surgery. Dr. Charles Mok is on a mission to reduce medical risks, costs, and complications for all. In this podcast, he sheds light on several regenerative health care options with a ...
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Longevity Medicine and Preventive Screening: Don’t Rely on Insurance
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12:48Most health insurance is designed to treat disease after it shows up, not to keep you truly healthy or extend your life. In this video, we explain how longevity medicine and preventive screening can help reduce your risk of heart attacks, cancer, dementia, and other predictable causes of death. We walk through a practical “pyramid” of health: start…
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Ep #270: Self-Directed IRAs for Real Estate: Why "Advanced" Doesn't Mean "Better"
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18:49There's been a surge in interest around self-directed IRAs (SDIRAs), especially for real estate investments. With younger investors seeking alternatives to traditional markets, and social media amplifying the success stories, it can seem like a compelling option. But while the idea of using an SDIRA to invest in real estate sounds attractive, the r…
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This 3-Cup Setup Changes Everything About Money
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31:12Infinite Banking is one of the most misunderstood wealth-building strategies, and in this episode, we sat down with Krystal to break it down in a simple, practical way. If you’re looking for a clear explanation of how to become your own bank, build tax-free cash value, and use the Infinite Banking Concept to fund major life expenses, this conversat…
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Save Your Wallet And Sanity: Optional Endorsements On Auto Policies
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14:33Optional Endorsements On Auto Policies - What Are They And Do I Need One? Think your auto policy has you covered from every angle? We put that assumption to the test and show where the real gaps live—then walk through the endorsements that actually fix them. From rental car reimbursement to roadside assistance to gap coverage, we share plain-Englis…
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Hormone Pellet Timeline: How Long They Take to Work
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2:10What really happens after your first hormone pellet treatment? If you’ve ever wondered how long hormone pellets take to work, or what changes you should expect in the first few weeks, this video explains the full timeline in a clear, realistic way. Hormone pellet therapy is designed to release steady, bioidentical hormones over time, so improvement…
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Ep #269: New Year, New Limits — What 2026 Means for Your Retirement Strategy
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18:57The new year is coming up fast, and 2026 is bringing some major updates to retirement saving rules. These aren't small tweaks—many limits are jumping in ways we haven't seen in a long time. That's great news if you're intentional about your planning because more room to save means more room to reduce taxes and grow wealth. Let's walk through the bi…
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The Real Path to Wealth: Cashflow Stacking Explained Simply
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44:15Cash-flow stacking is one of the fastest, most predictable paths to long-term wealth, and today, we’re breaking it down step by step so anyone can understand it. Instead of relying on traditional savings, slow compounding, or risky one-off investments, this method leverages recurring cash flow, passive income stacking, and repeating financial syste…
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Hormone Replacement Therapy for Menopause Explained Simply
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5:37Are you wondering if you need constant blood tests before starting hormone replacement therapy? In this video, we explain hormone replacement therapy for menopause in clear, practical terms, and why excessive lab testing isn’t always necessary. At Allure Medical, we treat menopause as a clinical condition, not a lab number. Menopause is defined by …
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As we head into the final stretch of the year, this episode is about the conversation many ER docs end up having with us in April — when it's too late to change the outcome for the prior year. The goal today is to shift that conversation into the present, while you still have time to make meaningful adjustments. There are several strategies that si…
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We Turned Thanksgiving Into a Money Masterclass
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16:54See how we transformed a family Thanksgiving into a financial masterclass, teaching guaranteed lifetime income, passive income strategies, and family wealth planning. From life insurance tips to fun family quizzes and interactive activities, we show how to make money conversations engaging for all ages. Learn practical strategies to host your own f…
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Do Bioidentical Hormones Increase Longevity and Healthspan?
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3:32Are bioidentical hormones really linked to living longer and feeling better as you age? In this video, Dr. Mok explains the connection between bioidentical hormones and longevity, and why the goal isn’t just more years of life, but more years of feeling healthy, active, and yourself. We walk through how menopause and declining hormones can influenc…
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Ep #267: Reflecting on Your 2025 Spending — and the Key Year-End Moves to Make Now
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14:45Here we are again — the final stretch of the year. Whether you're visiting family, traveling, or squeezing in some much-needed R&R, the end of the year naturally creates a pause — the kind that invites you to take inventory of your financial life, not just the numbers, but the behaviors behind them. So in today's episode, we're going to talk about …
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From Pre-Law to FLARE: How Josh Stroschein Became Google's Malware Analyst
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39:38In this episode of Simply Defensive, Josh Mason and Wade Wells sit down with Josh Stroschein — aka The Cyber Yeti — a former professor turned reverse engineer now working on one of the largest malware analysis teams in the world. Josh shares his unconventional path through .NET development, credit card processing security, and academia before landi…
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FDA Updated Guidance on Estrogen Therapy: What Women Should Know
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36:08The FDA has updated its stance on estrogen therapy, reversing decades of confusion from early WHI interpretations. New research and global data now show estrogen may support long-term health and reduce key chronic risks. This episode explains the FDA’s updated guidance, what the WHI got wrong, and what current science reveals about heart health, br…
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Short-Term Cuts, Long-Term Consequences: Smarter Ways To Save On Insurance This Holiday Season
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14:43Is It A Bad Idea to Cancel/Reduce Coverage During the Holidays to Save Money? Holiday stress hits hard, and the urge to cut insurance for quick savings can feel tempting. We’ve seen how that story ends, and it’s not with a bigger gift budget. Tim Walters, a licensed agent who’s guided clients since 2012, explains why canceling or reducing coverage …
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Ep #266: What ER Physicians Need to Know About a Potential Recession
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16:27Economic chatter has been getting louder, and whether it's on the news, on podcasts, or in group chats, the word "recession" gets thrown around a lot. But for ER docs, economic shifts don't just show up in the stock market—they eventually show up on shift, in your paycheck, and in the way hospitals operate. That means it's worth understanding what …
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If Hard Work Created Wealth… Everyone Would Be Rich.
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36:25Wealth building, cash flow, and financial freedom don’t come from hard work alone; they come from using a smarter wealth strategy that works even when your job doesn’t. In this episode, we break down why traditional career advice falls short and reveal how Infinite Banking and Guaranteed Income create real, predictable financial security. If you’ve…
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Building Zero Trust Tools: Inside ThreatLocker with Product Manager Yuriy Tsibere
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36:28In this episode of Simply Defensive, hosts Josh Mason and Wade Wells welcome Yuriy Tsibere, Product Manager at ThreatLocker, for a behind-the-scenes look at how security products actually get built. Yuriy's path to cybersecurity started in Ukraine, where he worked in telecom during sophisticated APT campaigns that lasted over a year. Now at ThreatL…
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Bill Grady with RE/MAX: How Insurance Shapes Your Mortgage Payment In Tennessee’s Real Estate
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14:06A Real Estate Agents Perspective on Insurance: Meet Bill Grady with RE/MAX Buying a home should feel exciting, not chaotic. We sat down with Nashville-area real estate broker Bill Grady to unpack the overlooked force that can make or break your closing: homeowners' insurance. From the first walkthrough to the clear-to-close letter, we trace how pre…
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What to Know About Bioidentical Hormone Replacement Therapy for Women
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2:50Bioidentical hormone replacement therapy for women is designed to help restore balance using hormones that match what the body naturally produces. In this episode, we explain how estrogen, progesterone, and testosterone work together, and why bioidentical hormone replacement therapy for women is different from traditional synthetic options. At Allu…
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Ep #265: Beyond the Portfolio: The Human Side of Financial Advising
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15:31There's a version of this job that would be a lot simpler. The kind where you manage portfolios, check performance once a quarter, and call it a day. No tax forms, no life events, no late-night texts — just markets and models. It sounds peaceful, almost efficient… until you realize that real people don't live their lives in neat, quarterly incremen…
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Is Life Insurance Still Worth It after 65?
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31:11Many seniors assume life insurance is only for young families with mortgages and kids, but the truth is, it can be a powerful tool for retirement planning, legacy building, and financial security. In this episode, we break down everything you need to know about life insurance after 65, including permanent vs. term policies, final expense coverage, …
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Cyber Insurance Explained: What Blue Teams Need to Know Before an Incident
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32:54From teaching AP art history to brokering cyber insurance deals. 🎓➡️🛡️ In this episode of Simply Defensive, Josh Mason and Wade Wells sit down with Andy Runyan from Yukon to break down everything blue teamers need to know about cyber insurance — before an incident happens. Andy shares his unconventional journey from fourth-generation educator and b…
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From Botox to Wellness: The Self-Care Mindset That Extends Your Life
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4:35Self-care isn’t about luxury or vanity, it’s about choosing to invest in your health, confidence, and longevity. In this video, we explore the self-care mindset for longevity and why people who choose to take care of their appearance often take the first step toward caring for their internal health too. From cosmetic treatments like Botox, fillers,…
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Cyber Insurance: Protecting Households & Small Businesses From Data Breaches
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10:15What Is Cyber Insurance Protection And Do I Need It? Your data isn’t just files on a server—it’s the lifeblood of your business and household. When attackers lock systems, drain accounts, or leak client information, the real cost goes far beyond the initial hit. We break down what cyber liability insurance actually does, why small businesses are pr…
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Ep #264: An ER Doc's Health Insurance Open Enrollment Survival Guide
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17:58We've officially entered open enrollment season — that short window when everyone from W-2 employees to business owners and locums physicians has to lock in their 2026 health coverage. And this year feels a little different. Between rising premiums and ongoing debate in Washington over healthcare subsidies — one of the major sticking points behind …
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Testosterone Pellets vs Injections for Men: Which Fits You?
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4:13When it comes to testosterone pellets vs injections for men, there isn’t a one-size-fits-all answer, and that’s the point of this episode. We walk through how we help patients decide between weekly (or twice-weekly) injections and 4–5 month pellets, and why creams often don’t reach the same therapeutic effect for many men. We also talk about why sy…
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Building Forensics Tools That Last | Brian Carrier (Autopsy, Sleuth Kit)
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31:40Josh Mason and Wade Wells sit down with Brian Carrier, the creator of Sleuth Kit and Autopsy, two of the most widely used digital forensics tools in the world. They dig into how Brian got his start in the early days of computer forensics, how open source shaped his career, and what he’s building now with Cyber Triage. From stories about government …
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Timothy Walters Explains The Return Of Premium Life Insurance
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12:37What Is Premium Life Insurance? Think life insurance is just money your family gets if you’re gone? We flip that script by breaking down return of premium term life insurance—coverage that protects your loved ones now and returns every dollar of premium if you outlive the term. It’s simple, clear, and powerful for people who want a big death benefi…
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Ep #263: When Politics Pause and Portfolios Don't
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18:25It's been over three weeks since the government shutdown began — now one of the longest in U.S. history. By the time this episode airs, Congress may have reached a deal, but the uncertainty surrounding it mirrors the broader unease in today's markets. Inflation, rate policy, and concentrated stock performance have investors questioning what comes n…
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Think You’re Ready to Retire? These Numbers Say Otherwise
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33:19Think you’re ready to retire? Before you make that leap, take a hard look at the latest retirement savings data. According to new studies, the average 401(k) balance for people in their 60s might not be enough to guarantee financial freedom, and the median numbers tell an even more sobering story. In this episode, we break down how much you should …
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Balancing Education and Real-World Cybersecurity with a SOC Analyst Student
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31:50In this episode of Simply Defensive, host Josh Mason and co-host discuss their experiences and challenges in cybersecurity, along with guest Victoria, a student and SOC analyst at UNLV. The conversation covers the complexities of building a Security Operations Center (SOC) and compares academic learning with real-world applications. Victoria shares…
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The “F Word” That’ll Change Your Finances Forever
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25:36FINANCES. That’s the “F-word” no one talks about, but it’s the one that can completely transform your financial future. In this episode, we reveal why funding yourself is the secret weapon the wealthy have used for generations. You’ll learn how to take control of your money, stop relying on banks, and start using your own system to create consisten…
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Ep #262: Over-Contributed? Here's Exactly How to Fix It — IRAs, 401(k)s, and HSAs Explained
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23:28You'd be surprised how often people have an "oops" moment at tax time — realizing they've contributed too much to a retirement or HSA account. It's more common than you'd think, and the rules for fixing it depend entirely on when you catch the mistake. While these situations can cause some frustrating tax complications, the good news is they're alm…
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Ep #261: From Residency to Riches: How to Handle Your First Attending Paycheck
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15:21Every year, thousands of new attendings experience the same shock: the overnight jump from residency income to real money. The excitement is real — but so are the risks of complacency, overspending, or simply drifting without a plan. What you do in that first year sets the tone for everything that follows. So today, we're breaking down the four thi…
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How Infinite Banking Took Us from Debt to Freedom
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47:25In this episode, we sat down with Chris Murtagh to uncover what Infinite Banking really is and what most people don’t know about it. We share how we discovered the Infinite Banking Concept (IBC), how it completely changed the way we think about money, and why becoming your own banker can be one of the most powerful financial strategies out there. I…
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From Help Desk to SOC: How KevTech Broke Into Cybersecurity Without Certs
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29:40What happens when you go from fixing executives’ laptops at Goldman Sachs to defending against cyber threats in a SOC? In this episode of Simply Defensive, hosts Josh Mason and Wade Wells sit down with Kevin Apolinario — better known as KevTech — to unpack his journey from IT support to cybersecurity analyst, all without a single certification. Kev…
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Ep #260: What a Fed Rate Cut Means for ER Doctors
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14:31The Federal Reserve's recent decision to cut interest rates has made headlines, and while it may seem like something that mostly affects Wall Street, the truth is these moves ripple through every household and profession. From mortgages and student loans to savings yields and the stock market, Fed policy plays a quiet but powerful role in your pers…
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Most people aren’t bad with money; they’re just playing the wrong money game. In this episode, we reveal how the financial system is designed to keep you stuck, and how the wealthy play by a completely different set of rules to build wealth and create cash flow. If you’ve ever felt frustrated, confused, or guilty about your finances, this conversat…
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Detection Engineering Tutorial: Cloud Security, Kubernetes Logging & SOC Career Path
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34:44In this episode of Simply Defensive, we sit down with JB, a Senior Cybersecurity Engineer working in detection engineering. JB shares his journey from SOC analyst to detection engineer, diving deep into the challenges of cloud-native security, Kubernetes logging, and building a sustainable career in cybersecurity. What We Cover: What detection engi…
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Why a Personal Liability Umbrella Can Save Your Home, Retirement, and Sanity
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16:39How Does Personal Liability Coverage Protect Homeowners? A birthday song, a crowded deck, a sudden collapse—no one expects a normal gathering to turn into a liability nightmare. That story anchors our deep dive into personal liability umbrellas and why they’re one of the smartest, most affordable ways to protect your home equity, retirement savings…
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Ep #259: Boom, Bubble, or Both? The Truth About AI Investing
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15:57Artificial intelligence is everywhere in the headlines, and many are calling it the biggest boom since the internet revolution. Some compare it to the dot-com bubble, while others see it as a lasting shift that will reshape how businesses, investors, and individuals operate. What's clear is that the ripple effects go far beyond tech companies — the…
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The Retirement Strategy Wall Street Hides
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31:40Most Americans believe retirement planning is about either saving enough to live on or leaving something behind. But what if you could do both, and do it better than Wall Street’s “just invest” advice? In this episode, we break down why traditional retirement strategies, such as “buy term and invest the rest,” often fail to deliver. Backed by an EY…
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Hands-On Defense: Markus Schober on DFIR, Labs, and Building Better Blue Teamers
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30:31In this episode of Simply Defensive, Josh Mason and Wade Wells sit down with Markus Schober, founder of Blue Cape Security, to talk all things digital forensics, incident response (DFIR), and why hands-on training beats theory every time. We dig into: 🔹 The hidden value of building your own cyber range 🔹 How IR pros train using real attacks (and wh…
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How Insurance Shapes Buying, Selling, and Value in Real Estate with Timothy Walters
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15:10How Does Insurance Impact The Real Estate Business? Closings don’t fail at the kitchen island—they fail at the roof. We pull back the curtain on how insurance actually drives real estate timelines, approvals, and final numbers, from the first lender requirement to the binder that gets your deal across the finish line. With Timothy Walters of The Wa…
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Book your first Clear + Brilliant® Laser session with Allure Medical. https://www.alluremedical.com/freebotox/ Can advanced laser technology offer younger-looking skin without the downtime of Fraxel? In this episode, Dr. Charles Mok explains how the Clear + Brilliant Laser works and the specific skin concerns it is best suited to address. He explor…
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Ep #258: The Wrong Question About Retirement: Why "How Much Do I Need?" Misses the Point
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14:34We get asked all the time by ER doctors: "How much do I need to retire?" Surprisingly, the answer to that is actually, "You're asking the wrong question." The real question is: How do you build a career and financial structure that doesn't just pay you—but frees you? Assets are only half the equation; the other half is designing a life and financia…
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How to Get Serious About Long Term Care Planning
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30:02Long-term care planning isn’t optional; it’s essential. In this episode, we uncover the true costs of long-term care, why so many families are caught off guard, and how asset-based long-term care insurance can safeguard both your wealth and your loved ones. Most people shrug off statistics like “70% of Americans over 65 will need care.” But when yo…
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Thread Lifts: A Non-Surgical Solution for Saggy Skin
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8:28Book your first thread lift session with Allure Medical. https://www.alluremedical.com/services/thread-lift/ Facelift-like results without the need for surgery? In this episode, Dr. Charles Mok explores the innovative “non-surgical facelift” procedure for sagging skin known as the thread lift. He explains how the thread lift differs from the tradit…
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Ep #257: Contracts 101 for EM Docs: What to Know Before You Sign
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25:47Every job offer looks different on the surface, but what really matters is buried in the fine print. Sometimes the details that don't make it onto the headline page end up shaping your career more than the pay rate ever could. Today we're going to pull back the curtain and talk about the hidden levers inside EM contracts that can determine whether …
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