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Cost of living is already making it hard to live here, and it's not getting any better. Unfortunately, it's likely to get worse, and a lot of Americans fill the gap with credit cards, not just for fancy dinners, but to cover things like groceries and bills. That is a disaster. It's understandable, but don't go down that road because there is a tax, in effect, a survival tax of 20% interest or more. Why would you do that? Why would you hand money to the big banks when you can keep it for your family? Our friends at American Financing have a better way. If you're looking to buy your first home or refinance your current one, they're helping Americans achieve the dream of homeownership with monthly mortgage rates currently in the fives. American Financing saves its customers an average of $800 per month. That's nearly $10 every year back to you. This isn't just a loan. It's a total financial reset. So debt is tough, but there's a smart way to do it and a reckless, self destructive way to do it, credit cards. And so we recommend American Financing. They're salary based, not commission based, which means they actually work for you, not the banks. They're called America's home for home loans for a reason. Call 806855696. 806855696, or visit americanfinancing.net/tucker.

Running a small business takes everything you've got. But with Chase for Business, you're not alone. They bring together local support and a broad range of resources to more than 7,000,000 customers. With a deep understanding of your day to day needs, they provide products and guidance built to help you thrive. Right now, earn $500 when you open a new Chase Business Complete Checking account for new business checking customers with qualifying activities. Offer expires 06/18/2026. Chase Business Complete Checking has the flexible tools you need to accept payments, make deposits, and manage your finances with confidence. Learn more at chase.com/podcastbizoffer. Chase, make more of what's yours.

Success is a journey, especially when it comes to your finances. One of the most common obstacles in our financial journey is dealing with high interest debt. It can often leave people feeling trapped, but it doesn't have to. If you're dealing with high interest debt, there is a way forward. A personal loan could consolidate all your high interest debt into one low interest monthly payment, helping you craft a road map to paying down your debt. It even comes with no fees required, getting you a financial win right away. Keep pushing on your journey to financial success. You could even get as soon as the same day funding. View your rate for a SoFi personal loan at sofi.com/guyroz.

Joe, here's a question for you. What if the entire cybersecurity industry has been doing it wrong? The entire industry. That's a bit of a stretch, isn't it? Well, that's the argument Benny Charney makes in his new book, Cybersecurity Upside Down. Benny is the founder and CEO of OPSWAT. He spent more than two decades protecting critical infrastructure, you know, nuclear facilities, defense networks, energy grids, the stuff that quite literally keeps the lights on. Okay. So what's his big idea? Well, he says the industry is obsessed with detecting threats, but detection can never be perfect. One dodgy file slips through, and your network is Toast. I like Toast. So what's the alternative? To Toast? No. To detecting threats. Oh, well, how about not even trying to spot the malware? Instead, take files apart, throw away anything that isn't strictly needed, and rebuild a clean version from the safe bits. The user gets a sanitized working document. The malware ends up in the bin. But hang on. Who decides what's safe? That's the clever part. You do. Macros might be allowed for your automation team but stripped out for finance. JavaScript ripped out of every PDF everywhere. Exif data scrubbed from images leaving HR. It's not an on off switch. It's a policy that you can tune to your business. So even a brand new attack no one's ever seen before. Doesn't survive the rebuild. Exactly. There's nothing to detect because it's already gone. Whether you're a security pro, an executive or just someone who wants to understand what's already going on in cybersecurity, cybersecurity upside down is technical enough for the experts but also accessible enough for the rest of us. Go and grab your copy right now at smashingsecurity.com/upsidedown.

Finding a skilled hire takes more than just reviewing a resume. You know what I mean? You can't just go bleep bleep bleep bleep. That doesn't get it done. As AI raises the bar on how experience is presented, hiring managers need better ways to evaluate skills and fit. That's where Robert Half can help. Their recruiters combine their expertise with award winning AI to review what's behind every application quickly, and that's important, quickly. Who's got time these days? No one. Learn how they can help you find specialized talent in finance, accounting, technology, and more at Robert Half. They know talent. Visit roberthalf.com/talent today.

This episode is brought to you by Lloyds Business and Commercial Banking. One of the great things about finance is that it may result in you having to pay tax. And this was a constant grumble in Anglo Saxon England, which was the most heavily taxed country in the whole of Christendom. And just when the Anglo Saxons thought it couldn't get any worse, they got conquered by King Canute, and Canute imposed a tax rate that was effectively 100%. Yeah. Well, that was one very big change, Tom. But another tax change is upon us. And this is the advent of making tax digital for income tax. And if you're at all concerned about it, this is where Lloyds come in because they are here to help make that change much simpler for you with a useful HMRC recognized accounting tool that will help you stay in line with all the making tax digital requirements. And the brilliant thing about this is that it is free for Lloyds business account customers. So when it is time to digitize your income tax, you can bank on Lloyds. Search Lloyds business accounts to find out more.

So coding agents are basically solved at this point. They're incredible at writing code. But here's the thing nobody talks about. Coding is maybe a quarter of an engineer's actual day. The rest is stand ups, stakeholder updates, meeting prep, chasing context across six different tools. And it's not just engineers. Sales spends more time assembling proposals than selling. Finance is manually chasing subscription requests. Marketing finds out what shipped two weeks after it merged. ZenCoder just launched ZenFlow work. It takes their orchestration engine, the same one already powering coding agents, and connects it to your daily tools, Jira, Gmail, Google Docs, Linear, Calendar, Notion. It runs goal driven workflows that actually finish. Your stand up brief is written before you sit down. Review cycle coming up? It pulls six months of tickets and writes the prep doc. Now you might be thinking, didn't OpenClaw try to do this? It did, but it has come with a whole host of security and functional issues, which can take a huge amount of time to resolve. ZenCoder took a different approach. SOC two type two certified, curated integrations, tighter security perimeter. Enterprise grade from day one. Model agnostic and works from Slack or Telegram. Try it at zenflow.free.

Ask yourself, what are your best people spending their time on right now? Expense reports, receipt chasing, month end close that takes weeks? You become what you spend on, and that's not what you're building toward. Brex is the intelligent finance platform that eliminates that work before it starts. AI agents that handle the manual stuff automatically so your team can spend their time on what actually compounds. It's time to get Brex AF. Learn more at brex.com/af.

Lend in just introduced their lowest rates ever. No complexity, no fine print. The larger the loan, the lower the rate. These new rates apply to all new loans, refinances, and renewals with Lendin's gold standard protection. Your Bitcoin stays custodied, never lent out. You can activate auto top ups and alerts so you're never caught off guard, and you can repay anytime with zero penalties. Lendin has processed over $10,000,000,000 in loans over the last eight years. Don't choose between a great rate and the safety of your Bitcoin. Get both at Lend in. Get a quarter percentage point off your first loan at ledin.io/natalie.

Call Her Daddy is brought to you by SoFi, the all in one finance app where you can bank, borrow, and invest. Nobody really explains how your money is supposed to work for you. Right? You just put it into a savings account and assume that's enough. Right? But daddy gang, the average bank savings rate is 0.39% in interest, which basically means you're only earning pennies on your savings when it could be doing so much more. And that is where SoFi comes in. With SoFi's high yield checking and savings, the money sitting in your savings account right now can earn over eight times the national average with eligible direct deposit. And there is no account fees or overdraft fees, so you get to keep more of your money.

So coding agents are basically solved at this point. They're incredible at writing code. But here's the thing nobody talks about. Coding is maybe a quarter of an engineer's actual day. The rest is stand ups, stakeholder updates, meeting prep, chasing context across six different tools. And it's not just engineers. Sales spends more time assembling proposals than selling. Finance is manually chasing subscription requests. Marketing finds out what shipped two weeks after it merged. ZenCoder just launched ZenFlow work. It takes their orchestration engine, the same one already powering coding agents, and connects it to your daily tools, Jira, Gmail, Google Docs, Linear, Calendar, Notion. It runs goal driven workflows that actually finish. Your stand up brief is written before you sit down. Review cycle coming up? It pulls six months of tickets and writes the prep doc. Now you might be thinking, didn't OpenClaw try to do this? It did, but it has come with a whole host of security and functional issues, which can take a huge amount of time to resolve. ZenCoder took a different approach. SOC two type two certified, curated integrations, tighter security perimeter. Enterprise grade from day one. Model agnostic and works from Slack or Telegram. Try it at zenflow.free.

This episode is brought to you by LifeLock. Lots of places can accidentally expose you to identity theft. Doctor's offices, online retailers, insurance companies, the list goes on. Thankfully, LifeLock monitors hundreds of millions of data points a second for threats to your identity, which is way more than anyone could do on their own. LifeLock keeps an eye on your personal information, credit applications, finances, and more. And if they find anything suspicious like new loans or changes to your financial accounts, they'll alert you right away, all through text, phone, email, or the LifeLock app. Even better, alerts are automatically activated the moment you become a LifeLock member. No extra work on your part. Get the alerts that could make all the difference. Don't wait. Join LifeLock now. Visit life lock dot com slash j r e and save up to 30% your first year. That's lifelock.com/jre for 30% off. Terms apply.

Felix by Rogo is a personal finance agent that turns a single prompt into finished client ready work using your firm's own templates, context, and standards. Send Felix an email like, take these comments and turn them for me, or update my tracker with the context of these emails, or run the ability to pay math on this buyer, and Felix sends back finished PowerPoint decks, Excel models, and sourced research. Felix works the way your team already does, delivering work quickly and accurately around the clock. Learn more at rogo.ai/felix.

Console builds AI agents that automate 70% of IT, HR, and finance support, giving employees instant resolution for access requests and password resets. So iPhone. Apple. IPhone. Yeah. I'm gonna update your software tonight while you sleep. Next morning, iPhone says, I couldn't do it, bro. Just didn't feel right. Vibe was off. This is something that I didn't know was so common, but I think everyone's been in this position which is like a funny thing. I think it has to do with how how much the battery is charged. But, lots of low hanging fruit, hopefully resolved in WWDC.

Running a small business takes everything you've got. But with Chase for Business, you're not alone. They bring together local support and a broad range of resources to more than 7,000,000 customers. With a deep understanding of your day to day needs, they provide products and guidance built to help you thrive. Right now, earn $500 when you open a new Chase Business Complete Checking account for new business checking customers with qualifying activities. Offer expires 06/18/2026. Chase Business Complete Checking has the flexible tools you need to accept payments, make deposits, and manage your finances with confidence. Learn more at chase.com/podcastbizoffer. Chase, make more of what's yours. These may apply to Chase business complete checking accounts. The $500 offer is available for new business checking accounts with qualifying activities through 06/18/2026. Eligibility and qualification requirements must be met. Additional restrictions may apply. Please speak with a business banker for more information. JPMorgan Chase Bank, NA, member FDIC.

This episode is sponsored by Smart Travel, a new podcast from NerdWallet. You know that one friend who always finds the best travel deals, picks the right cards, and somehow ends up in first class for the price of Coach? How do they do that? Well, smart travel is like that, friend, but in podcast form. They cover all things travel finance, like which travel cards earn their keep and which are just heavy, shiny metal, and planning group trips that won't ruin your budget or your friendships. So travel smarter and spend less. That's the key with help from NerdWallet. Follow smart travel wherever you get your podcasts.

Success is a journey, especially when it comes to your finances. One of the most common obstacles in our financial journey is dealing with high interest debt. It can often leave people feeling trapped, but it doesn't have to. If you're dealing with high interest debt, there is a way forward. A personal loan could consolidate all your high interest debt into one low interest monthly payment, helping you craft a road map to paying down your debt. It even comes with no fees required, getting you a financial win right away. Keep pushing on your journey to financial success. You could even get as soon as the same day funding. View your rate for a SoFi personal loan at sofi.com/guyroz.

Lenden just introduced their lowest rates ever. The larger the loan, the lower the rate. These new rates apply to all new loans, refinances, and renewals with Lenden's gold standard protection. Your Bitcoin stays custodied, never lent out. You can activate auto top ups and alerts so you're never caught off guard, and you can repay any time with zero penalties. Don't choose between a great rate and the safety of your Bitcoin. Get both at Lenden and a quarter percentage point off your first loan at ledon.io/natalie.

Coding agents are basically solved at this point. They're incredible at writing code. But here's the thing nobody talks about. Coding is maybe a quarter of an engineer's actual day. The rest is stand ups, stakeholder updates, meeting prep, chasing context across six different tools. And it's not just engineers. Sales spends more time assembling proposals than selling. Finance is manually chasing subscription requests. Marketing finds out what shipped two weeks after it merged. ZenCoder just launched ZenFlow work. It takes their orchestration engine, the same one already powering coding agents, and connects it to your daily tools, Jira, Gmail, Google Docs, Linear, Calendar, Notion. It runs goal driven workflows that actually finish. Your stand up brief is written before you sit down. Review cycle coming up? It pulls six months of tickets and writes the prep doc. Now you might be thinking, didn't OpenClaw try to do this? It did, but it does come with a whole host of security and functional issues, which can take a huge amount of time to resolve. ZenCoder took a different approach, SOC two type two certified, curated integrations, tighter security perimeter. Enterprise grade from day one. Model agnostic and works from Slack or Telegram. Try it at zenflow.free.

That's why I'm so excited to partner with Airwallex. Airwallex are more than just a banking alternative to HSBC or Citi. Airwallex brings you an intelligent financial operating system that powers how global businesses operate and grow, allowing you to manage and automate banking, treasury, payments, and spend. The most exciting part for me, they're heavily investing in agentic finance. If you're scaling globally, you need a banking and finance platform that's borderless, real time, and intelligent. Check out Airwallex today and see how they're helping thousands of businesses like Canva, McLaren, and Deal scale at airwallex.com forward /20bc. Terms and conditions apply. Your money is safeguarded, not FSCS protected. See airwallex.com for more details. While Airwallex helps your money move globally, Vanta helps your security keep up.