Europe’s #1 skydiving podcast is full of skydiving news, advice, stories and interviews with some of the best skydivers from around the world. To happily misquote the 1990s cinematic masterpiece Point Break, RSUK is jumping *and* jerking off, with its entertaining, educational and irreverent banter.
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Dark Concepts is a bi-weekly podcast dedicated to the telling of original horror stories written and read by Brian J Cummings.
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A mindset, money, and life podcast for late starters catching up to Financial Independence.
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Expand your investing horizons and look to the long term. Join hosts Christine Benz and Team as they talk to influential leaders in investing, advice, and personal finance about a wide-range of topics, such as asset allocation and balancing risk and return.
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A weekly podcast featuring interviews with members of the Tampa Bay media, various national NFL personalities, listeners' questions and more.
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Welcome to "The 3PL Spotlight with PrepBusiness." This podcast delves into the crucial topics in third-party logistics. Each episode features industry experts discussing best practices, technology, and trends in 3PL. Perfect for logistics professionals and business owners aiming for efficiency and growth. Subscribe now for your weekly dose of logistics insights.
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Immerse yourself in all-things automotive performance! OnAllCylinders brings you news, trends, and tech from automotive aftermarket insiders; exclusive interviews with motorsports personalities and automotive celebrities; stories from the world of hot rodding and off-roading; vehicle features and trivia; and much more!
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Janice Forsyth gets up close and personal with some of the most famous Scots on the planet. Musicians, comedians, movie stars, scientists and sporting legends - all household names who have made their mark across the globe.
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BrooksRehab.org | Celebrating 50 years of excellence, Brooks Rehabilitation provides medical rehabilitation services through our highly trained clinicians to provide the most advanced therapy and medical care, along with the compassion, motivation, and hope to help people reach their highest level of recovery.
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Local politics, news, and other issues related to Spokane Valley, Spokane County, and Washington state. Valuing keeping Spokane Valley the community its residents have come to love, as well as keeping taxes as low as needed and making sure residents have input into local issues.
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Film and TV interviews conducted by Greg Srisavasdi. Movie reviews and physical media coverage is also part of the show. The goal is to get a ton of value added film picks for our Find Your Film community!
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My Broadway Memory, a new live, visual podcast — a celebration of memorable experiences at the theatre with Broadway’s biggest names. During each episode, a guest will choose a Playbill from their collection at random and take a trip down memory lane. In addition to discussing the actual show, Michael, Brian, and guests will discuss the headshots, ads, and other traits that make a Playbill a time capsule of Broadway history.Michael and Brian are calling out to theatre fans everywhere to join ...
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Our goal is to talk about the things that are impacting us. BY doing so we hope to trigger your thoughts, feelings and opinions. Despite what has been described as an “overly aggressive, condescending and self-important,” delivery, we actually do want to hear your thoughts, opinions and positions. While the show does not have a live audience yet, we are not opposed to that approach.
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What up what up! My new podcast has 3 elements: the interview, someone commenting on the interview, and me. Sweet! It's entitled interested. Why do I call it interested? 'Cause I'm actually INTERESTED in the people that I'm talking to, and I hope you are interested, too. Some of my guests include Arsenio Hall, Andy Dick, Whitney Cummings, Chris Rock, and more. Going to drop one episode every Monday at 6:00 AM EST. Stay tuned stoners!
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Joe Bravo, is a GSU Senior Brand Ambassador. Shortly after graduating Magna Cum Laude at a law school in Mexico, he became a public speaker traveling all over the country with many different companies. One of his greatest achievements include reaching a top rank in the amateur level Triathlon after only 3 years of training and 1 year of competition. His goal is to grow as a successful international businessman, helpful to his team, and continue being driven by success. He aims to maintain a ...
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Bootstrap Farmer Radio is a podcast that focuses on empowering growers and gardeners with the knowledge and resources they need to be successful, whether they are backyard gardeners, flower farmers, or market farmers. We interview farmers from all walks of life to share their experiences and give helpful tips to growers, no matter where they are in their journey. If you’re just starting your gardening business, an experienced market farmer or home gardener, or growing your first plants in th ...
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"A place to unload all my cinematic truths." —Newton Thomas Sigel, ASC • How do you cultivate a career in Hollywood? What does it take to make iconic work? There’s an art to everything in life and the Art of the Shot explores the answers to these questions and more through deep-dives into the minds of master filmmakers. • Join host Derek Stettler as he learns from the artists behind today's most strikingly-shot projects. Enjoy compelling conversations on the craft, insights from successful c ...
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Kyle Wilson, founder of Jim Rohn International and KyleWilson.com, shares marketing and business growth strategies, tips for those wanting to speak and coach, as well as discussing success habits with world class thought leaders. Kyle pulls from his 18 years with friend, mentor and business partner, Jim Rohn, as well as being a seminar promoter filling huge rooms, creating hundreds of training programs and IP, publishing and selling over a million books and creating a million plus email list ...
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1
August 23 Interviews: Audrey Cummings and Corin Nemec Talk 'Place of Bones'
32:44
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For Episode 198 of Find Your Film, I interview "Place of Bones" actor Corin Nemec and director Audrey Cummings. Both of them were really enthusiastic about their film and the good news is that the film packs a punch and is really well executed. "Place of Bones," an 1876 Horror-Western, stars Heather Graham, Corin Nemec, Tom Hopper and Brielle Robil…
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1
Jackie Cummings Koski: Late Starters Can Still Find FIRE
52:38
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Our guest on the podcast today is Jackie Cummings Koski. She is a certified financial planner, and she is the author of a new book, F.I.R.E. For Dummies. FIRE stands for financial independence, retire early. Jackie is also the co-host of a podcast, Catching Up to FI, geared toward people getting a late start on financial independence. She is founde…
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1
Twin Towers: Lessons in Financial Freedom from Wall Street to Main Street | The Wealth Twins | 92
1:14:24
1:14:24
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Meet Nadia and Nicole, the Wealth Twins! Raised by a single mother in New York City's toughest projects, these twin sisters overcame obstacles to graduate from Columbia University, work on Wall Street, and ultimately achieve early retirement. In this episode, they recount experiences from 9/11 and the 2008 financial crisis, discuss multifamily real…
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August 16 Interviews/Reviews: Courtney Halverson, The Butcher Brothers, Consumed, Duchess
28:51
28:51
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For episode 198 of Find Your Film, I interview "Consumed" actress Courtney Halverson, director Mitchell Altieri and producer Phil Flores. Altieri and Flores are known as the filmmaking team The Butcher Brothers. I review both "Consumed" and director Neil Marshall's latest feature "Duchess" (headlined by Charlotte Kirk). 1. Facebook: https://www.fac…
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1
Daniel Peris: The Case for Dividend Investing
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On today’s podcast, we’ll chat with Daniel Peris about his new book, The Ownership Dividend: The Coming Paradigm Shift in the US Stock Market. Daniel oversees dividend-focused portfolios for Federated Hermes and has written several other books about investing, as well as a study of the former Soviet Union. Daniel began his investment career in the …
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1
Stacking Washingtons in Joe’s Mom’s Basement and The Efficient Frontier | Joe Saul-Sehy | 091
1:12:04
1:12:04
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Joe Saul-Sehy of Stacking Benjamins joins the show to discuss financial planning, overcoming debt, and the importance of surrounding yourself with the right people. Joe shares his personal journey of financial mismanagement as a young financial planner, the principles behind the efficient frontier, and his thoughts on target date funds. Tune in to …
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August 9 Interviews: The Last Front, Sasha Luss, Iain Glen, James Downie, Julien Hayet-Kerknawi
31:18
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Here is my interview with "The Last Front" actors (Sasha Luss, Iain Glen, James Downie) and director Julien Hayet-Kerknawi. For more information on "The Last Front," go to: https://www.enigmareleasing.com/ Timestamps: 0:00 - Intro 11:14 - Sasha Luss and Iain Glen 20:17 - James Downie and Julien Hayet-Kerknawi Sasha Luss' movie pick from her body of…
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Our guest on the podcast today is Matt Hougan, one of the world’s leading experts on crypto, exchange-traded funds, and financial technology. He’s the chief investment officer for Bitwise Asset Management, which offers several cryptocurrency-related funds and ETFs. He was previously chief executive officer of ETF.com and Inside ETFs. Hougan is co-a…
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1
In the Line of FIRE | Escaping Avalon | 090
1:04:55
1:04:55
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Bill and Jackie sit down with 'Jay,' an anonymous guest who shares his incredible journey from a military and police background to achieving financial independence by the age of 39. Jay discusses his experiences on the SWAT team and as an undercover detective, and the mental health challenges that came with his career. He also talks about his blog,…
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1
Carl Tannenbaum: Settling Into 'Soft-Landing Territory'
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Today we’ll chat with Carl Tannenbaum, chief economist for Northern Trust. In his role, Carl prepares the bank’s official economic outlook and participates in forecast surveys. He is a member of Northern Trust’s investment policy committee, its capital committee, and its asset/liability management committee. Prior to joining Northern Trust, Carl sp…
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1
Twin Wins with the Baughier Brothers: CampFI, EAGLE Cohousing, and Fiology | David & Stephen Baughier | 089
1:24:31
1:24:31
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Meet David and Stephen Baughier, twin brothers and prominent figures in the Financial Independence community. David, a 20-year Navy veteran and founder of Fiology, and Stephen, creator of CampFI, share their financial journeys from early money lessons to becoming community leaders. David, Stephen, Bill, and Jackie discuss the impact of life events,…
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Brian Feroldi: 'The Biggest Edge That Individual Investors Have'
55:03
55:03
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Today on the podcast, we welcome back author and financial educator, Brian Feroldi. His bestselling book is Why Does the Stock Market Go Up? He is also the founder of a financial education company called Long Term Mindset and a contributor to The Motley Fool. In addition, Feroldi has a big presence on YouTube, where his videos receive hundreds of t…
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1
Why Does the Stock Market Always Go Up? | Brian Feroldi | 088
1:15:04
1:15:04
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Today we dive deep into the stock market with special guest, Brian Feroldi. As a financial educator, YouTuber, and author of “Why Does the Stock Market Go Up?”, Brian shares his wisdom on the long-term growth of the S&P 500, the significance of stock market indices, and the nuances of volatility and investment strategies. Bill, Jackie, and Brian di…
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Our guest on the podcast today is Charles Duhigg, a Pulitzer Prize-winning investigative journalist and author of The Power of Habit, Why We Do What We Do in Life and Business, and Smarter Faster Better. His writing has won numerous honors, including the National Academies of Sciences, National Journalism, and George Polk awards. Duhigg is a former…
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1
The Transformative Power of Handwritten Letters | Amy Weinland Daughters | 087
54:48
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Amy Weinland Daughters is an award-winning author and keynote speaker, who joins Bill and Jackie to chat about the powerful impact of handwritten letters in the digital age. Amy shares her unique journey of reconnecting with an old friend, leading to an inspiring project of writing 580 letters to her Facebook friends. Learn about the transformative…
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David Herro and Rajiv Jain: Should US Investors Renew Their Passports?
52:44
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And we are thrilled to have with us today two fabulous investors in global equities. David Herro is here from Harris Associates. He is a longtime portfolio manager at Oakmark International and Oakmark International Small Cap. Rajiv Jain, to David’s left, is here from GQG Partners, which he founded in 2016. Both of these gentlemen have strategies th…
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1
Denis Waitley, Lessons on Resilience, Mastering Your Mind and Beliefs, Prioritizing Your Day, Being Present, Plus Lightening Round of Q & A and more with Jim Rohn International Founder Kyle Wilson
1:21:16
1:21:16
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Jim Rohn International Founder, Kyle Wilson has an in-depth conversation with long-time friend and mentor, the iconic speaker and author, Denis Waitley. Denis shares powerful lessons on resilience, mastering your mind and beliefs, prioritizing your day, being present, plus lightening round of Q & A and more. Find Denis at DenisWaitle.com Kyle Wilso…
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1
The Powers of Starting Late, Retirement Calculators, and More | Chris Mamula | 086
1:04:42
1:04:42
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Chris Mamula, a former physical therapist who achieved early retirement at 41, shares his journey from financial mistakes to becoming a Certified Financial Planner (CFP) and a prominent voice in the FIRE movement. Discover practical tips on budgeting, saving during peak earning years, and utilizing retirement calculators. Chris, Bill, and Jackie ch…
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1
Better Late Than Never: A Step By Step Guide Part 2 | BiggerPockets Podcast | 085
58:40
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Here is the second half of Bill and Jackie’s conversation with Mindy and Scott on the BiggerPockets Money Podcast. They dig into the practical steps on how to start your financial journey as a late-starter. Enjoy! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get…
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1
Scott Burns: The Case for a Simple Retirement Plan
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We’re hitting pause on new episodes during this holiday week. But we wanted to resurface one of our favorite conversations of the past year—the one that Jeff Ptak and I had with author and longtime columnist Scott Burns. We hope that you’ll enjoy it, and we’ll be back with a fresh episode next week. Our guest on the podcast today is syndicated pers…
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1
The Power of Reinvention with The Financial Tortoise | Tae Kim | 084
1:00:47
1:00:47
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Tae Kim, also known as the Financial Tortoise online, is a former U.S. Army captain, MBA graduate, and finance director turned successful personal finance YouTuber. He shares his journey from being $105,000 in student debt to achieving financial security and discovering the Financial Independence movement. Tae chats with Bill and Jackie about his e…
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Actress, Singer & Communication Expert Renee Marino on Communication, Connection, Mindset and Achieving Your Goals with Jim Rohn International Founder, Kyle Wilson
1:13:23
1:13:23
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Jim Rohn International Founder, Kyle Wilson has an in-depth conversation with actress, singer, keynote speaker, communication expert, and best-selling author Renee Marino. Renee shares strategies on communication, achieving your goals, playing full out in all you do and the power of gratitude and human connection plus lightening round of Q & A and …
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Better Late Than Never: A Step By Step Guide Part 1 | BiggerPockets Money Podcast | 083
36:16
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Bill and Jackie were invited to join Mindy and Scott on the BiggerPockets Money podcast to go through a step-by-step process of how to get started on the path to financial independence as a late-starter, a topic highly relevant to their audience. Take a listen to this week's part one and then tune in next week for part two! 🔗 Connect with us Buy CU…
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1
Don Graves and Wade Pfau: How Home Equity Affects Retirement Planning
58:27
58:27
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Today we have two guests on the podcast, Don Graves and Wade Pfau. Don Graves is the president and founder of the Housing Wealth Institute and an instructor of Retirement Income at The American College of Financial Services. He is considered one of the nation’s leading educators on incorporating housing wealth into retirement income planning. He is…
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1
Can Prenups Really Save Your Marriage? | Aaron Thomas | 082
59:04
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Meet Aaron Thomas, an attorney, founder of Prenups.com, and author of the book "The Prenup Prescription." In perfect time for wedding season, Aaron chats with Bill and Jackie about how a proper prenup can not only protect but improve your relationship. As a former divorce attorney who helped hundreds of clients secure favorable settlements, Aaron s…
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1
How to Think About Time: A Humble Legacy | Jonathan Clements | 081
1:29:01
1:29:01
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Today we're rerunning our episode with Jonathan Clements who is a dear personal friend and a friend of our community. He recently posted on his blog, HumbleDollar, about his final lap around the sun yesterday. Let’s send him our love. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (U…
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1
Scott Rick: Are You a Tightwad or a Spendthrift?
53:33
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Our guest on the podcast today is Scott Rick. Scott is an associate professor of marketing at the University of Michigan’s Ross School of Business. He is the author of a new book, Tightwads and Spendthrifts: Navigating the Money Minefield in Real Relationships. He received his Ph.D. in behavioral decision research from Carnegie Mellon in 2007, and …
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1
Talking Fathers, Fords, & Fuel with Ian Lehn from BOOSTane
28:11
28:11
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Ian Lehn from BOOSTane fuels talks about how he challenged his Dad—and his Ferrari 360 Modena—to a race against a worn-out 1969 Mustang in the Big Bend Open Road Race. Hear how it all went down, and learn some interesting tech behind octane boosters, fuel additives, and synthetic fuels in this special Father's Day episode.…
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1
Green Makes Green | Kyle Landis-Marinello | 080
1:01:26
1:01:26
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Kyle Landis-Marinello is a practicing attorney specializing in environmental and energy law. Bill and Jackie dive deep with Kyle into topics such as socially responsible investing, student loan forgiveness, and his book, Personal Finance and Investing: How Anyone can Make More, Spend Less, and Invest Wisely. We also learn about Kyle’s unique financ…
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1
Andrew Blake: Broker/Dealer Consolidation and Fee Compression Have Been Much Bigger Headwinds for Advisors Than Market Volatility
49:36
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Our guest on the podcast today is Andrew Blake. Andrew is associate director of wealth management for Cerulli Associates. He is a member of Cerulli’s Wealth Management practice, leading coverage of asset manager distribution strategy for products sold through financial advisors. With a focus on the wealth management landscape, Andrew assesses trend…
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1
Indiana Jones and an Extraordinary Life with the Donegans | Alan and Katie Donegan | 079
1:09:26
1:09:26
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Meet the dynamic duo, Alan and Katie Donegan! The Donegans, known for their Rebel Finance School and Rebel Business School, share their insights on living an extraordinary life, both financially and personally. From defining what “extraordinary” means on an individual level to the importance of financial independence and entrepreneurship, Alan and …
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1
Keith Lee: ‘We Think Revenues Are a Better Indicator of Size Than Market Capitalization’
50:03
50:03
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Our guest this week is Keith Lee. Keith has been lead portfolio manager on the Brown Capital Management Small Company Strategy since 1992. He and the Small Company team were named Morningstar’s Fund Manager of the Year for Domestic Equity in 2015, and the mutual fund carries a Morningstar Medalist Rating of Gold. Keith is also a member of the board…
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1
Brian Tracy, Lessons on Goals, High Productivity, Power of Your Subconscious Mind and Beliefs, Work Habits, Timeless Success Principles, Plus Lightening Round of Q & A and more with Jim Rohn International ...
1:20:31
1:20:31
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Jim Rohn International Founder, Kyle Wilson has an in-depth conversation with 33 year friend and mentor, the iconic speaker and author, Brian Tracy. Brian Tracy shares powerful lessons on goal and goal setting, high productivity and results, the power of your subconscious mind and beliefs, timeless success principles, plus lightening round of Q & A…
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1
CyberFI and the FBI | Donna Peterson | 078
1:15:37
1:15:37
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Donna Peterson is a retired supervisory special agent and joins Bill and Jackie to cover the essential topic of internet and financial security. Drawing from her extensive background in combating cybercrime with the FBI, Donna shares her expert advice on how to secure personal and financial information against common hacks, the importance of two-fa…
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1
Jamila Souffrant: ‘What Type of Life Do You Actually Want to Live?’
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Our guest on the podcast today is Jamila Souffrant. She is the author of a new book called Your Journey to Financial Freedom: A Step-by-Step Guide to Achieving Wealth and Happiness. She is also the host of the Journey to Launch podcast. Jamila’s focus is helping people increase their net worths and eliminate debt while also enjoying financial freed…
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1
The Life and Death of The 4% Rule | Christine Benz | 077
1:10:49
1:10:49
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Christine Benz is the Director of Personal Finance and Retirement Planning at Morningstar. Christine shares her extensive insights into retirement planning, emphasizing the flexibility and adaptability of the 4 percent guideline over the rigid 4 percent rule. She discusses the value of variable withdrawal strategies, the importance of personalizing…
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1
Dan Ivascyn: The Outlook for Bonds Amid a Covid ‘Aftershock Global Economy’
39:41
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This is Dan’s second appearance on The Long View, his first taking place back in May 2019, when Christine Benz and I interviewed him for the podcast. Dan is Pimco’s group chief investment officer, a managing director, and a member of the firm’s executive committee and investment committee. He is also lead portfolio manager for the firm’s Income, Cr…
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1
Trey McFarland from RaceTec Pistons Dives Deep Into Performance Piston Tech
35:19
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Piston expert Trey McFarland from RaceTec Pistons joins an in-depth discussion on high performance piston tech. Learn all about piston technology & the different piston alloys available, so you're able to choose the best pistons for your hot street or race engine. You'll also learn how things like wrist pins, connecting rods, and rings all work tog…
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The Wealthy Custodian Part 2: From Janitor to Millionaire | Jeff York | 076
53:20
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In part 2, Jeff York continues his discussion with Bill and Jackie about the financial importance of amicable divorces, the nitty gritty on his investments, and how he was able to "graduate" on his modest salary. The three also dive deep into Jeff's unique lifestyle, the necessity of personal health before and after retirement, and the rewarding na…
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Pop Up Podcast: Behind the Sensation Talking FI with the NY Times | 075
48:42
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In this special pop up episode, Bill, Jackie, and special guest Amy Coroso engage in a thought-provoking discussion sparked by a controversial New York Times Magazine article about the FIRE (Financial Independence, Retire Early) movement. The three chat about the article's portrayal of diverse financial independence approaches as well as the articl…
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Damien Conover and Rebecca Springer: ‘We Are in a Healthcare Consumerization Moment Right Now’
51:05
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We have two guests this week on The Long View, our colleagues, Damien Conover and Rebecca Springer, who both focus on healthcare investing—Damien on the public equity side and Rebecca focusing on private markets for Morningstar PitchBook. Damien is director of healthcare research and director of equity strategy for Morningstar Research Services. Be…
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The Wealthy Custodian Part 1: A Blue Collar Guide to Financial Freedom | Jeff York | 074
49:53
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Jeff York is a remarkable individual whose journey from custodian to millionaire offers a wealth of inspiration and practical advice. Jeff's story breaks down conventional barriers, showcasing the power of education, financial literacy, and personal responsibility. From his unique investment strategies and the importance of health to his experience…
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1
Greg McBride: ‘Successful Saving Is All About the Habit’
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48:48
Our guest on the podcast today is Greg McBride. Greg is chief financial analyst for Bankrate.com, where he has worked for more than 25 years. He received his bachelor’s in finance from the University of Florida. He is also a CFA charterholder. Background Bio Bankrate State of the Economy/Outlook for Interest Rates “Survey: Despite a Resilient Econo…
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Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073
1:09:11
1:09:11
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He’s here, Mr. Money Mustache! Also known as Pete Adeney, the financial independence OG shares his story with Bill and Jackie. From retiring at 30 and starting one of the most popular blogs in the community to the importance of choosing sustainability with your money. The three discuss some of Pete’s most impactful articles (listed below), highligh…
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Carl Vine: The Japan Earnings Story Has Legs
59:38
59:38
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59:38
Our guest this week is Carl Vine. Carl is co-head of Asian Investment for M&G, a UK-based asset manager. Carl joined M&G in 2019 and was appointed to the management team of the Japan and wider Asian equity strategies. Prior to M&G, Carl co-founded Port Meadow Capital Management, a boutique investment firm based in Oxford in 2014. He also worked for…
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Celebrating Financial Literacy Month with Next Gen Personal Finance | Tim Ranzetta | 072
52:35
52:35
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In celebration of Financial Literacy Month, Tim Ranzetta, co-founder of NextGen Personal Finance, chats with Bill and Jackie on the transformative power of teaching personal finance to students. Discussing stats, stories, and strategies, this episode covers everything from the ripple effects of financial literacy to state-level advocacy for require…
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Meir Statman: ‘The Biggest Risks in Life Are not in the Stock Market’
54:09
54:09
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Today on the podcast, we welcome back Meir Statman. Meir is the Glenn Klimek Professor of Finance at Santa Clara University. Meir’s latest book is A Wealth of Well-Being: A Holistic Approach to Behavioral Finance. Other books include Behavioral Finance: The Second Generation, What Investors Really Want, and Finance for Normal People. Meir’s researc…
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From Tech Stocks to Toilet Brushes: The Jensens' FI Journey | Mindy and Carl Jensen | 071
1:06:46
1:06:46
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Although you’ve probably heard of this powerful pair, Mindy and Carl Jensen hop onto our show to share their personal journeys to financial independence and beyond. The Jensens discuss their experiences with podcasting, real estate investing, individual stock investments, and the lifestyle adjustments they've made after achieving financial independ…
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Neil Shearing: What the Consensus Is Missing About the Current Economy
44:41
44:41
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Our guest this week is Neil Shearing. Neil is group chief economist at Capital Economics, a London-based research firm. He is also an associate fellow at Chatham House, an International Affairs think tank. In his Capital Economics role, Neil manages a team of economists and is a well-known voice in the investment community. He has served as chief e…
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Casey Currie of Currie Enterprises Talks Axle Design and Off-Road Adventure!
27:41
27:41
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Casey Currie of Currie Enterprises doesn't just develop axles and components for off-road vehicles, he's out there putting his products to the test. When you buy an axle from Currie, you know it's field tested and proven...perhaps by Casey himself! Hear all about Casey's journey in the axle manufacturing business as well his experience in the world…
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