What if you didn’t need to have it all figured out? It’s Okay If… is your weekly permission slip to be human. I created this short-form podcast as part of my own healing process — a way to slow down, process grief, and reconnect with what I was feeling. Each bite-sized episode (just 3 minutes or less) offers a short, honest reflection to challenge perfectionism, embrace your real self, and remind you that you're not alone. Hosted by Matt Gilhooly, creator of The Life Shift Podcast, this show ...
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Matt Gilhooly Podcasts
The Life Shift shares real and honest conversations about the moments that change us. Host Matt Gilhooly sits with guests as they tell true stories of life-changing events, unexpected challenges, and quiet awakenings that shaped who they are today. Each episode offers meaningful and candid storytelling about grief, healing, resilience, identity, and growth. These are the personal stories that remind us what it feels like to be human. These are the turning points that stay with us. If you are ...
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Get the insights you need to maximize your results this week. Welcome to OPTIMAL INSIGHTS, brought to you by Optimal Blue. Join our experts as they explore the latest rate data and provide essential commentary spanning from originations to capital markets – insights you need to hear as you start your week. Designed for mortgage professionals, from originators to investors and everyone in between, each episode offers valuable information to help you maximize results and stay ahead in the ever ...
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Can you pinpoint a moment in time when your life changed? Maybe it wasn’t a moment, maybe it was a complicated chain of events that led you to where you are today. Or maybe, it was a generational impact that started before you were even born. Regardless of what it contains, all humans have a story. And those stories are the building blocks of who we are, at our very core. Join host, Jennifer Peterkin - lover and collector of stories, as she interviews humans from all walks of life. Tune in e ...
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Trudie's mission is to ignite a beacon of resilience, and inspiration through heartfelt raw, real and authentic conversations with Everyday Warriors like herself. In this podcast, she delve's into the vulnerable and unfiltered stories of herself and her special guests, embracing the complexities of life's challenges and adversities. There are no preset questions, just real time conversations. By sharing personal journeys, insights, and triumphs, Trudie aims to empower her listeners with the ...
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Episode 44 - Matt Gilhooly: A Grief Journey
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58:46Send us a text Some moments split a life into before and after. When Matt was eight, a phone call about his mum’s fatal motorcycle accident shattered the version of childhood where safety felt assumed. What followed was a quiet agreement many of us make without words. To be perfect, pleasing and fine so no one else leaves. Years later, a high schoo…
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Wondering If You’re Doing Life Wrong? It's Okay If You Question Your Path
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1:44That quiet voice that whispers, “Am I behind? Did I mess this up?” It shows up for more of us than we think, especially when life doesn’t follow the expected timeline or look the way we imagined. This short reflection is a reminder that there’s no single way to do life. No perfect pace. No universal checklist. You’re not too late, and you’re not fa…
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The Golden Child: Jalisa Hardy on Generational Healing, Faith, and Finding Freedom
1:24:32
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1:24:32Show Notes: In this powerful and deeply heartfelt episode of The Human Experience, host Jennifer Peterkin sits down with Minister Jalisa Hardy, also known as The Golden Child, for a courageous conversation about generational trauma, resilience, and healing. Jalisa shares her story beginning from her miraculous conception and birth — a pregnancy fil…
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The Doctor Said, “Spank Him.” Piper Said No.
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57:57
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57:57Have you ever reached a point where the answers you’re given simply stop feeling right? Where you realize that trusting your own instincts might be the only way forward. For Piper, that moment came in a doctor’s office when she was told her son just needed a spanking. Something inside her knew that wasn’t true. What followed was a full transformati…
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Rebuilding a Life You Never Asked to Start Over
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51:07Sometimes we don’t get to choose when life asks us to begin again. One moment you’re following a dream, and the next you’re rebuilding from the pieces of what used to be. It’s a strange kind of starting over – the kind you never asked for but somehow learn to live inside. Ava Jones knows that space well. At seventeen, she survived a devastating car…
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Fed Rate Outlook, MSR Market Shifts & Home Equity Trends | Nov. 24, 2025
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30:16In this episode of Optimal Insights, James Cahill, Alex Hebner, and Kevin Foley share the latest economic updates, covering mortgage rates, Fed rate cut probabilities, and unemployment trends. Then Jim Glennon and Vimi Vasudeva discuss key takeaways from the IMN MSR Conference, including MSR market dynamics, PennyMac’s push for recapture valuation …
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Can’t Keep Up with Everyone Else’s Joy? It's Okay If You Need Space
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1:44When your feed is full of celebrations — new jobs, babies, milestones, engagements – it can feel like everyone else is moving forward while you're just trying to stay upright. And even when you're genuinely happy for others, holding their joy can feel heavy when you're in a harder season. This short reflection reminds you that it's okay to step bac…
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She Lost Her Brother Tragically. Poetry Helped Her Heal.
1:01:37
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1:01:37Some moments stay with us long after they end. The choice we made. The thing we wish we had said. The image that still lingers when the room goes quiet. Cyra’s story begins with one of those moments, the kind that changes everything and asks who we will become after it. At sixteen, she lost her brother to suicide and carried the guilt of that day f…
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Have you ever been doing everything right and still felt something was missing? Clay Garrett thought he had built the life he was supposed to have. A stable career, a loving family, all the boxes checked. But when life suddenly stopped, he was invited to see what really mattered. Clay’s story unfolds in the quiet that followed a layoff just before …
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Government’s Back, Fed’s Talking, FHFA’s Buzzing + Market Advantage | Nov. 17
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34:03In this episode of Optimal Insights, host Jim Glennon is joined by Alex Hebner and James Cahill to unpack the latest developments in the mortgage and macroeconomic landscape. The team discusses the reopening of the U.S. government, the delayed release of September jobs data, and the implications of widespread layoffs in October. They explore the ev…
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Tired of Caring So Much? It's Okay If You Need a Break
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1:52If you’re someone who feels deeply, stays informed, holds space for others, and tries to care about the world, you know how heavy that can get. Compassion fatigue is real. And sometimes, your heart just needs a break. This short reflection reminds you that it’s okay to feel worn out from caring. It doesn’t mean you’re cold or selfish. It means you’…
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October 2025 Data Highlights - Market Advantage - Mortgage Trends and Expert Insights - Optimal Blue
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13:53Welcome to the Market Advantage! Hosts Olivia DeLancey, Brennan O’Connell, and Mike Vough break down October’s mortgage market data, highlighting production trends, rate environment shifts, and secondary market insights. Special Announcement: Market Advantage is merging with Optimal Insights! This move will allow us to deliver timely mortgage data …
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Poetic Alchemy: Angela Harvey on Healing, Boundaries, and Self-Discovery
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1:16:13In this heartfelt episode of The Human Experience, host Jennifer Peterkin welcomes Angela Harvey, who opens up about her profound journey through codependency, depression, and rediscovering her self-worth. Angela shares candid reflections on her lifelong search for validation, the pain of unmet expectations, and the transformative process of learni…
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Have you ever realized you were living the life someone else imagined for you? Andrew Mitch did everything right on paper. He followed the rules, earned the degrees, and chased approval until the weight of it all became too heavy to carry. When he finally walked away from the life others expected, he found the beginning of his own. What unfolded ne…
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When Her Body Spoke, She Finally Heard
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1:07:55Have you ever built a life that looked good from the outside but left you exhausted on the inside? Brooks Bell knows that feeling. At 38, she was the driven CEO who could carry it all until her body told her something wasn’t right. What followed was not only a colon cancer diagnosis but a reckoning with how she had been living. This story isn’t jus…
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Shutdown Signals, Affordability, and the Future of Mortgage with Anita Padilla-Fitzgerald | Nov. 10, 2025
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45:02In this episode, the Optimal Insights team dives into the latest market developments, including the potential resolution of the government shutdown, consumer sentiment data, and the controversial proposal of a 50-year mortgage. The team discusses affordability challenges, LLPAs, and the broader implications for first-time homebuyers. Special guest …
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Episode 43 - Rhiannon Hetherington: If She Spoke
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38:05Send us a text What if the hardest years of your life became the foundation for your boldest work? We sit down with Rhiannon, a single mum, artist and survivor who turned bipolar type 2 and C-PTSD into a creative engine, building a 1700 m² exhibition that celebrates women’s stories of struggle and strength. This is a fearless conversation about pov…
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I’ve never been great at journaling. I’d start strong, buy the nice notebook, write for a few days – then stop. But through The Life Shift Podcast, I learned how powerful reflection can be when it’s real, not forced. So I created something I’d actually use. It’s called The Life Shift Journal. A 12-week guided reflection with one simple prompt each …
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Need a Hall Pass Today? It's Okay If You Step Away for a Bit
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1:36Remember those slips of paper in school that let you step out of class without question? Sometimes, as adults, we still need that same kind of permission — to pause, to disengage, to take a breath. This short reflection invites you to give yourself a hall pass. Not because something’s wrong. Not because you need an excuse. Just because your capacit…
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Sometimes the story we never wanted becomes the one that shapes who we are. When the people we love disappear too soon, we begin to understand how fragile and precious it all is. Ricardo was only ten when his mother dropped him and his brother at the bowling alley and promised she would be right back. She never came back. That moment changed the wa…
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Breaking the Cycle No One Talks About
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1:01:07
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1:01:07Have you ever looked back on your childhood and realized how much you learned to keep inside? How the silence around you became something you carried, long after you left the place that taught it to you. Shigeko Ito grew up in a home that looked perfect from the outside but felt empty inside. Years later, after a moment of betrayal that changed eve…
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Macro Crosscurrents: Inflation, Interest Rates, and International Relations | 11.3.25
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31:03In this episode of Optimal Insights, the team dives into the latest macroeconomic developments shaping the mortgage industry. Topics include the recent Fed rate cut and Chairman Powell’s unexpected commentary, which sent shockwaves through the markets. The team explores the implications of rising interest rates, the evolving labor market, and the i…
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Need to Dream Small Right Now? It's Okay If That’s What Fits
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1:52In a world that glorifies big goals and five-year plans, it can feel like you’re falling short if you’re not constantly reaching for something massive. But not every dream has to be bold, loud, or scalable to matter. This short reflection invites you to embrace the beauty of small dreams – the kind that fit your life right now. The kind that don’t …
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Uncovering Hidden Roots: Linda Ambrus Broenniman on Family Secrets, Survival, and The Politzer Saga
1:15:58
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1:15:58Show Notes: In this profound episode of The Human Experience, host Jennifer Peterkin and guest interviewer Linda explore the extraordinary story of a woman whose Hungarian refugee parents survived World War II and the Holocaust. The guest recounts the shocking discovery of her hidden Jewish heritage within a family that had long believed they were …
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She Grew Up Interpreting the World for Everyone Else
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57:48If you grew up carrying things no one else could see, you may feel yourself in this story. Maria Gallucci was a bridge from the very beginning. As a child of deaf adults, she learned early how to interpret not just words, but emotion, context, and belonging. She understood how small acts of inclusion can change the way someone feels in a room. And …
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Learning to Forgive the Person You Used to Be
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54:52What happens when one choice alters the course of your life? At 20 years old, Cheryl Wilder made a decision that led to a devastating accident and decades of shame, guilt, and self-questioning. For years, she carried the weight of what she now calls moral injury, unsure if she even deserved healing. In this candid conversation, Cheryl opens up abou…
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The Calm Before the Fed: MBA Annual Recap, FHFA Pricing & Sparse Data | Oct. 27, 2025
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46:10In this episode of Optimal Insights, Jim Glennon is joined by Alex Hebner, Kevin Foley, and Vimi Vasudeva to discuss the latest developments shaping the mortgage industry. The team explores the implications of sparse economic data, including CPI and labor trends, and previews the upcoming Fed meeting. They also dive into the FHFA’s potential pricin…
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Episode 42 - Daylene Robinson: Rising from the Ashes
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45:55Send us a text Some stories start with a roadmap. Ours begins on the side of a highway, smoke from a sliced radiator curling into the night while Dayelene and her son lie on a picnic rug, laughing at the chaos and choosing to keep moving. From Airlie Beach’s endless summer to Victoria’s four seasons in a day, this is a candid journey through starti…
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Grieving Who You Could Have Been? It's Okay If That Loss Feels Real
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1:44Grief isn’t always about what we’ve had and lost – sometimes, it’s about what we never got to have. The versions of ourselves that didn’t get to grow. The lives we might have lived under different circumstances. This short reflection explores the quiet ache of wondering who you could have been – if a relationship had lasted, if a dream had taken ro…
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Economic Crossfire: Shutdowns, Trade Tensions & Banking Jitters | Oct. 21
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22:50In this episode, the Optimal Insights team dives into the economic turbulence surrounding the ongoing government shutdown, trade tensions with China, and emerging concerns in the banking sector. With limited data releases due to the shutdown, the team discusses the implications for mortgage rates, the upcoming Fed meeting, and CPI projections. They…
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Leaving the Life You Thought You Were Supposed to Live
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59:07Have you ever felt the quiet pull to change everything you thought you were building? For Marty Ross-Dolen, that moment came on September 11, 2001. She had devoted her entire life to psychiatry, but as she watched the towers fall with her children nearby, something in her said it was time to let go. That decision set her on a new course — one that …
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How Isabelle Daikeler Found Strength in Surrender and Transformed Her Life
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58:24What happens when life forces you to stop fighting and finally let go? For years, Isabelle Daikeler lived in pain and fear, holding tightly to identities that no longer fit. It all came to a breaking point on the floor of a bedroom in Hawaii, when surrender became her only option. What unfolded was not instant healing, but the start of a transforma…
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Haven’t Done the Work Yet? It's Okay If You’re Still Figuring Things Out
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1:52When it comes to healing, therapy, or personal growth, it’s easy to feel like you’re behind – like everyone else has done the work and you’re still just trying to start. But here’s the truth: there’s no set timeline for becoming your most whole self. This short reflection reminds us that being in process doesn’t mean you’re failing. You don’t have …
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The Future of Home Equity Lending With Andria Lightfoot | Sept. 2025 Data - Market Advantage - Mortgage Trends and Expert Insights - Optimal Blue
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40:25Welcome to this month’s episode of the Market Advantage. Hosts Olivia DeLancey, Brennan O'Connell, and Mike Vough kick off the show with a review of September’s mortgage data, highlighting a strong rate rally and notable trends in purchase and refinance activity. The team then welcomes Andria Lightfoot, VP of client success at FirstClose, for a tim…
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Rebuilding After the Wreck: Cheryl Wilder on Accountability, Healing, and the Power of Creativity
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1:33:57In this deeply moving episode of The Human Experience, host Jennifer Peterkin welcomes Cheryl Wilder, who shares her remarkable journey of survival, accountability, and transformation following a tragic car accident at age 20 that changed the course of her life. Cheryl recounts the night of the crash that left her friend severely injured and led to…
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Why Heidi Blackie Chose to Believe in Her Body’s Ability to Heal
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1:00:47What happens when you realize you don’t actually believe you can heal? Heidi Blackie spent a decade battling chronic illness, grief, and perfectionism until one raw moment in her kitchen changed everything. She asked herself a simple but life-altering question: What am I believing about my ability to heal? In this conversation, Heidi shares how tha…
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Chris Jordan on Living a Life That Was Never Dull
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58:50What does it mean to live a life that is never dull? For Chris Jordan, the answer has been unfolding since he was twelve years old, standing in front of his grandfather’s headstone. Etched into the stone were six words his grandmother chose: It was never dull. What started as a simple phrase became a mantra that shaped every risk, every leap, and e…
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Trade Tensions Reignite: China and the U.S. Back in the Ring | Oct. 13, 2025
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37:05In this week’s episode of Optimal Insights, Jim Glennon, Jeff McCarty, Alex Hebner, and Kevin Foley discuss the renewed trade tensions between China and the U.S., the ongoing government shutdown, and their combined impact on the mortgage and financial markets. They share their expert opinions and insight into how these factors are shaping the indus…
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Episode 41 - Shaunace West: Stronger Than The Storm
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1:29:57Send us a text This is my longest episode yet but it deserves ALL the time to tell this incredible Everyday Warriors story! What if “being strong” is the very thing keeping you from healing? Shaunace's story starts with speed, a senior OT by her mid‑20s, a mortgage, a wedding to plan and a body built for aerial silks and pole. Then breast cancer hi…
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Feel Guilty for Wanting More? It's Okay If You Still Crave Something Deeper
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1:52Sometimes life looks good on paper – steady job, supportive community, meaningful work – and yet something in you still aches for more. More creativity. More alignment. More connection. And along with that desire often comes guilt. This short reflection is a reminder that wanting more doesn’t make you ungrateful. It means you’re alive. It means you…
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How Dan Boettcher Rebuilt His Life After a Mental Health Crisis
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Sally McQuillen on Carrying Her Son’s Light Forward After His Death
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Tradeweb’s Justin Monahan on MBS Liquidity | Market Update: Shutdown & Fed Policy
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34:26Welcome to this week’s episode of Optimal Insights. In this episode, Jeff McCarty, James Cahill, and Kevin Foley explore the effects of the government shutdown on market data, the Fed’s evolving stance on rate cuts and quantitative easing, and the mechanics of MBS pricing and trade execution. Special guest Justin Monahan from Tradeweb offers a deep…
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You May Like: Grief and Light – A Podcast About Life After Loss
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3:00I wanted to share the new trailer for Grief and Light, hosted by my friend and former Life Shift guest, Nina Rodriguez. Nina created this show after the sudden loss of her only sibling, and it has become a beautiful space for honest reflections and conversations about life after loss. She explores grief as a lifelong companion, something that shape…
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Need to Unfollow, Unfriend, or Unplug? It's Okay If You Step Back
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2:00Sometimes, the scroll gets too loud. The opinions, the highlights, the endless noise – it can overwhelm your system before you even notice it’s happening. And even when your mind says, “just deal with it,” your body often knows better. This short reflection is a reminder that it’s okay to set boundaries with your digital world. You’re allowed to un…
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Beyond the Pulpit: How One Pastor Challenged the Status Quo
1:21:27
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1:21:27Show Notes: In this thoughtful episode of The Human Experience, host Jennifer Peterkin visits John (Jonathan Heaslet) at his North Carolina home to reflect on a remarkable life of service, transformation, and storytelling. John shares his early years growing up near San Francisco, his studies in mathematics and economics, and his first career as a …
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Dan MacQueen on the Brain Injury That Changed Everything
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56:52At 28, Dan MacQueen was thriving in London with career momentum, global travel, and Friday night pints. Then one morning on the tube, his vision went black. Days later, he was in emergency brain surgery. That should have been the turning point. But it was only the beginning. A massive brain hemorrhage, four weeks in a coma, and months of painful re…
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Inside the Fed’s Mind: Taylor Rule Talk + ACUMA Highlights | Optimal Insights | Sept. 29, 2025
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40:03In the first half of this episode, Jim Glennon is joined by Jeff McCarty, Kevin Foley, and Alex Hebner to discuss current market conditions, the potential government shutdown, and the Taylor Rule – a formula used to estimate the ideal federal funds rate. The team analyzes Stephen Miran’s public application of the rule and his controversial suggesti…
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Episode 40 - Brigette Panetta: The Battle Within
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43:18Send us a text What happens when your entire world collapses around you? For Bridgette, April 2020 brought an unimaginable storm – serious legal proceedings against her family's investment business, followed just two days later by the birth of her daughter Emerald, all during the earliest and most uncertain days of the pandemic. In this raw and mov…
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Just Trying to Get Through Today? It's Okay If That’s All You Can Do
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2:16Some days aren’t meant for progress or productivity – they’re meant for surviving. Whether you're processing loss, holding emotional weight, or just feeling the heaviness of it all, it’s okay if all you can do is make it through. This short reflection is a gentle reminder that getting through the day is enough. You don’t need to be “on.” You don’t …
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