Capital Club

As investors, we all know the standard questions to ask during diligence. But what about those questions that aren't always asked? In this episode, we explore the importance of asking unique and insightful questions to understand a deal better. Our host brings a unique perspective as both a general partner with pitch experience and a member of a family office who has been in the room during diligence for various investments. He emphasizes the significance of a company's technology stack and how it can impact an investor's experience. Brian encourages investors to be open-minded and willing to explore different areas when evaluating deals.Tune in now to learn more about how Excelsior Capital enhances investor experiences through cutting-edge technology and personalized communication strategies![00:01 - 03:31] Opening Segment• Introducing the new series "Questions LPs Should Ask But Don't."• Sophisticated investors ask standard diligence questions• Some essential questions often get overlooked[03:32 - 04:34] The Overlooked Question in Real Estate Deals• Why investors should ask about the tech stack of the companyHow Brian's firm leverages technology and impacts investors' experience• The real magic is in asking unique questions that nobody else does• How to open up investors' eyes to other areas they should investigate when looking at a deal[04:35 - 06:49] Top Alternative Investments• Tech platforms for communication, reporting, and transparencyJuniper Square & HubSpot• Reviewing offering materials, tracking investments, and updating financial information[06:50 - 10:50] Closing Segment• How to offer value-add components beyond just investments• CRM is crucial for connecting investors with opportunities• Text notifications provide a unique and effective way to communicate with investorsKey Quotes:"The real magic is in asking the questions that people don't often ask." - Brian AdamsDownload our FREE Strategizing for Inflation Guide here: https://www.excelsiorgp.com/download/Connect with me on LinkedIn!LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in, and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

Crowdfunding and online syndication have revolutionized the real estate industry, with crowdfunding now accounting for over 35% of the entire industry. In this episode, we dive into real estate crowdfunding with Adam Gower, a seasoned real estate professional with over 30 years of finance and investment experience. Adam sheds light on the origins of crowdfunding in the real estate industry and stresses why the term is technically misleading. This episode is a must-listen for anyone interested in real estate crowdfunding and its potential opportunities. Tune in now and join the discussion!Adam Gower builds tailor-made crowdfunding platforms for real estate professionals who want to find more investors so they can raise more money. He has taught over 4,000 individuals how to build wealth, preserve capital, and earn passive income from investing in real estate.[00:01 - 08:29] Opening Segment• How Adam builds crowdfunding platforms for real estate professionals to raise more money• Small businesses can advertise to sell shares in their company• Real estate crowdfunding is a new industryCombining commercial real estate finance and digital marketing[08:30 - 16:37] The Emergence of Real Estate Crowdfunding• Crowdfunding and online syndication have emerged as dominant forces in financeScale-wise, crowdfunding has been a revolutionary change in the industry• Marketplaces and individual sponsors are the two significant shifts that emerged from the Jobs Act• Realty Shares was a successful platform but failed due to venture capital restrictions[16:38 - 24:48] Broadening Standards and Increasing Visibility• Accredited investor requirements have recently been broadened• Private equity real estate investment opportunities are growing and becoming more visible online• Large institutions are investing in private equity real estate through different channelsHow crowdfunding platforms are drawing their attention[24:49 - 32:40] The Crowdfunding Opportunities• How crowdfunding is becoming more intriguing to institutionsPension funds and insurance companies• Dealing with hundreds of individual investors is not as tricky as sponsors may think• What sponsors are concerned about[32:41 - 37:22] Closing Segment• Adam breaks down the best practices for marketing• The importance of creating as much content as possibleVideo interviews with sponsors to showcase their unique value propositionWant to connect with Adam? Follow him on LinkedIn. Visit GowerCrowd to raise capital from high-network investors!Key Quotes:"You gotta know who you're dealing with when you make an investment." - Adam Gower"What drives everything is content. And when I say content, what I mean is essentially the digitization of your entire story." - Adam GowerDownload our FREE Strategizing for Inflation Guide here: https://www.excelsiorgp.com/download/Connect with me on LinkedIn!LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in, and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

In this episode, we sit down with Chirag Thakral, Head of the Banking and Capital Markets practice at Capgemini Research Institute for Financial Services, to shed light on the World Wealth Report, a renowned publication in the wealth management industry that provides a 360-degree view of what's happening in the industry. He stresses how building emotional connections with clients is seen as essential and why firms need help finding ways to measure the impact of ESG investments. Chirag navigates how family offices are gaining popularity and why wealth management firms must balance providing services through digital and hybrid channels. Join us in this episode as we explore these fascinating insights into wealth management trends today!Chirag has over 15 years of experience as a strategy and thought leadership professional with in-depth FS expertise and a wealth management industry focus.[00:01 - 07:45] Opening Segment• The leadership in the financial services industry• One of the most renowned publications in the wealth management industryThe World Wealth Report by Capgemini• Embrace market dynamics, build data-driven digital platforms, and engage with clients[07:46 - 14:51] Wealth Management Industry Experiences• Wealth management industry is undergoing significant shifts• Emotional connection with clients is essential for the industry• How family offices are gaining popularity due to their personalized offerings• Why building relationships in wealth management is a complex process [14:52 - 22:09] Embracing Digital to Personalize Client Experience• The new edge players disrupting the wealth management marketAdvantages of starting fresh and having the right technology and mindset• The misconception that millennials only want digital advice• Why wealth management firms need to have digital capabilities[22:10 - 29:41] Democratizing Assets to Wealth• Large Wall Street firms are going downstream to capture the affluent mass segment• Successful firms are leveraging technology and digital transformation to cater to this segment• Challenges include profitability, legacy technology systems, and building digital capabilities.[29:42 - 36:11] Closing Segment• Private equity is impacting the wealth management ecosystemDemocratizing assets and offering alternative investmentsWant to connect with Chirag? Follow him on LinkedIn and Twitter to learn more about financial services (FS), professional services, and the FinTech industry!Key Quotes:"Wealth management firms need to have advantage digital capabilities within their kit to be able to deliver the balance and the scale that they have to provide." - Chirag Thakral"While the wealth management industry still remains a relationship-intensive business, digital is a must." - Chirag ThakralDownload our FREE Strategizing for Inflation Guide here: https://www.excelsiorgp.com/download/Connect with me on LinkedIn!LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in, and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

What is impact investing, and how does it direct investments toward positive societal and environmental impacts? In this episode, Rena Greifinger shares the founding story of Maverick Collective and its mission to empower women philanthropists to invest in health and reproductive rights for women and girls. She discusses the shift towards more flexible and nimble forms of philanthropy and how it allows for a more strategic and aligned approach to giving. Join us as we explore how philanthropic organizations like PSI are changing the game by creating meaningful impact through their unique approach to venture philanthropy. Let’s dive in!Rena Greifinger is an award-winning social entrepreneur, philanthropy leader, and advocate for women and girls. She currently leads Experiential Philanthropy at Population Services International (PSI) and is Managing Director of the Maverick Collective by PSI, a community of women philanthropists making catalytic investments in health and reproductive rights to elevate women and girls everywhere. [00:01 - 07:42] Opening Segment• Rena introduces Maverick CollectiveA community of women philanthropists making catalytic investments in health and reproductive rightsWomen ranging in age from early twenties to early eighties• Adolescent sexual and reproductive health, access to contraception, HIV prevention, and more[07:43 - 15:16] The Progressive and Nimble Form of Philanthropy• How Maverick Collective epitomizes progressive and sophisticated philanthropyIndividual philanthropy is small but can be mighty and catalytic• Maverick members prioritize the lived experience and decision-making of the communities they support• Access to high-quality healthcare at an affordable cost is essential for gender equity[15:17 - 22:41] An Approach to Global Health & Experiential Philanthropy• Health equity is necessary for gender equity• PSI is locally led and globally connected with deep programming in countries and communities• Experiential philanthropy blends hands-on learning with real-dollar grant-making to accelerate changeWhat impact investing involves, and what it means[22:42 - 30:16] Investment Strategies for Impact• Philanthropic investments should not harm the worldImpact investments support projects and organizations that help the planet and people• Measuring impact is essential, especially for systems change and catalytic impact• Real systemic change is hard to measure directly and takes generations of effort[30:17 - 39:43] Closing Segment• Advocacy and movement building needed for high-quality healthcare• Maverick Collective provides flexible funding for advocacy and capacity buildingWant to connect with Rena? Follow her on LinkedIn. Head to Maverick Collective, a community of bold philanthropists advancing health and gender equity! Key Quotes:"There's no other form of giving that is as nimble, that has the ability to be creative, to fund ingenuity, to fund at the cutting edge than individual philanthropy.” - Rena Greifinger“We are just not going ever to achieve gender equity if women and girls do not have access to the healthcare that they need and desire.” - Rena Greifinger“Your curiosity is your capital just as much as your money." - Rena GreifingerDownload our FREE Strategizing for Inflation Guide here: https://www.excelsiorgp.com/download/Connect with me on LinkedIn!LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in, and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

What qualities do you look for in a potential project, and how do you determine which opportunities are worth pursuing? Join us as we welcome Ray Chang, a dynamic entrepreneur, and executive who has successfully built companies in real-estate development, motorsport experience, and tourism space. With over 15 years of experience developing, managing, and delivering business-to-business and business-to-consumer events and experiences, he is a results-driven and event-focused veteran. In this episode, Ray shares his inspiring story of success, from helping his parents manage their restaurant growing up to founding Motorsport Lab. He digs into his successes, failures, and curiosity about what will happen next for those he has invested in. Listen to Ray’s insights on embracing diversity within entrepreneurship, networking, modernizing investments, and marrying your passions with good business decisions. Let’s dive in![00:01 - 06:50] Opening Segment• Ray’s journey to entrepreneurshipMoving from Taiwan to the US at a younger age15 years of experience in real estate development, Motorsport experience, and tourism• How Ray started selling energy drinks door to door before founding Motorsport Lab[06:51 - 13:45] Managing Multiple Businesses• How Ray developed a community on trips to share ideas, and business deals• The growth of F1 and its association with lifestyle, culture, and community• Balancing out the Asian American Community[13:46 - 20:47] Exploring the Opportunities of Real Estate Investment• Discovering the opportunities for real estate investing in PortlandBuilding units in Portland to create more housing stock• Building Asian American community through venture Angel investing• Experiences with successes and failures[20:48 - 27:25] Navigating the Angel Investing Space• Investing in people rather than companies• Ray’s experience investing in a variety of industriesReal estate, cannabis, fashion, consumer tech, retail, and more• The power of helping entrepreneurs and investing in them[27:26 - 34:55] Closing Segment• Factors that can lead to the success or failure of a company• How to combine your passions and businesses• Learns from other industries to bring ideas back and work smarterWant to connect with Ray? Follow him on LinkedIn, or email him at iamraychang@gmail.com Key Quotes:“My job as an entrepreneur is to really understand more and do the best I can to create a cognitive and customized experience to help the entrepreneurs grow.” - Ray Chang“You gotta make a decision, it may not be the right decision, but you eventually want to make it right.” - Ray ChangDownload our FREE Strategizing for Inflation Guide here: https://www.excelsiorgp.com/download/Connect with me on LinkedIn!LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in, and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

Have you ever considered how improving your financial literacy can positively impact your physical and mental health? In this episode, we sit down with Dr. Megan McCoy to learn more about financial therapy and how it is helping individuals make informed decisions related to money. She takes an in-depth look into common problems financial therapists encounter, such as communication issues, boundaries around emerging adulthood's financial support, and financial infidelity. She advises whether to keep finances individually or collectively and offers valuable tips on talking to children about money. Join us for this engaging conversation about money, finance, retirement, and more!Dr. Megan McCoy started as a family therapist but now works as a Kansas State Financial Planning Program faculty member. She teaches about the intersection between financial well-being and overall well-being.[00:01 - 07:06] Opening Segment• Discovering the benefits of financial therapy• A collaboration between mental health professionals and financial planners• Helping people move up and down the spectrum of mental health and financial planning•  What you know is more important than the letters after your name[07:07 - 14:17] Financial Therapy: The Next Wave of Financial Planning• How clients have higher expectations of advisors• Robo-advising is leading to the evolution of financial planning• Covid and social media have made people more open about their mental & financial health• How meeting with a planner increases marital satisfaction[14:18 - 21:25] The Financial Therapy Association• Boundaries around emerging adulthood financial support is a common problem• Financial infidelity is a major issue & it can lead to power imbalances in relationships• Pooling resources can help reduce wasteful spending and increase financial well-being• Financial anxiety is rising due to market uncertainty and ambiguity[21:26 - 28:32] Navigating the Transition Between Baby Boomers and Millennials• Go all the way to the worst outcome and see what can help deal with stressors• Recognizing where shame associated with money comes from is important• Why coaching clients through a transition between baby boomers and millennials is vital[28:33 - 37:18] Closing Segment• How to explore financial anxiety and build trust in financial planning clients• It's normal not to know everything about money at once• Millennials should create a safe space for their children to talk about moneyWant to connect with Megan? Follow her on LinkedIn and follow her work!Key Quotes:"Financial therapy is how we foster trust and commitment in our clients, how we help them actually discover and then meet their needs." - Megan Mccoy"The more invested you are in financial therapy, the more time is spent actually being quiet and listening." - Megan MccoyDownload our FREE Strategizing for Inflation Guide here: https://www.excelsiorgp.com/download/Connect with me on LinkedIn!LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in, and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

How can technology, management principles & innovative talent management help your business succeed? In this episode, Sabrina Sidl reveals her insights into building trust in business relationships, navigating the anxiety of technology innovation, and bridging the generational gap within family offices. She discusses how communication, transparency, and trust create a thriving environment and touches on how corporate cultures have stayed the same despite employees being unsatisfied and crushed by today's environment. Tune in and learn how to navigate uncertainty during rapid change!Sabrina Sidl built a long and successful career providing operational and strategic advisory services to senior leaders and investors across multiple industry sectors, including single-family office, real estate development, and asset management. She worked internationally for many years and has a deep passion for all aspects of relationship management and making an impact by creating critical and meaningful connections between people producing excellent business results.  [00:01 - 07:17] Opening Segment• Trust is built in a business setting in the same way as personal relationships• How to manage the anxiety caused by the pace of technological change  •Awareness & sensitivity to how people adapt• Why leaders must create a culture that allows for experimentation and failure[07:18 - 14:23] Bridging the Generational Gap• How to manage generational gaps and diversity of worldviews• How to attract and retain top-tier talent in family offices• Leadership style has changed with the younger generations• Work now requires purpose, community, coaching, training, and mentoring[14:24 - 21:40] The Key to Establishing a Successful Culture• Organizational alignment is vital for success• Psychological safety and trust are crucial for effective communication• Setting clear expectations and understanding the goals of each generation are key• Overcommunication is necessary to ensure alignment with goals[21:41 - 28:39] Navigating the Challenges of Uncertainty• Holding people accountable when they don't follow the established culture is critical• The concept of unlearning and relearning• How giving feedback is an art and science• Uncertainty is the biggest challenge for clients right now[28:40 - 33:02] Closing Segment• The older generations' and younger generations' mindset• Why Corporate America has not changed• What brings Sabrina peace of mindWant to connect with Sabrina? Follow her on LinkedIn. Visit CGC Group to explore world-class solutions!Key Quotes:"I want people who want to work like owners and not employees because the employee mindset will not lead to any growth." - Sabrina Sidl"If you want to produce anything great and want to make a dent in society and an impact, that's not a nine-to-five job." - Sabrina SidlDownload our FREE Strategizing for Inflation Guide here: https://www.excelsiorgp.com/download/Connect with me on LinkedIn!LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in, and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

How has technology impacted modern finance and created an asymmetrical relationship between Wall Street and individual investors? In this episode, we speak with Spencer Jakab, the author of The Revolution That Wasn't and editor of the Wall Street Journal's Heard on the Street column. Spencer dives into the differences between Wall Street and a casino, outlines the risks of being an active investor on Wall Street, and looks at how technology has created an environment where trading stocks is no longer expensive. He emphasizes the importance of long-term investing with tools such as index funds or compound interest to build wealth without playing 'the game'. Let’s dive in![00:01 - 07:00] Opening Segment• From Wall Street Trader to Financial Journalist: Spencer Jacob's Journey• How he learned about finance and got a job in emerging markets• Introducing The Revolution That Wasn't[07:01 - 13:40] Examining the GameStop Revolution• How the pandemic provided Spencer an excellent opportunity to start a side project• The genesis of the book • The GameStop stock surge• The initial headlines about the GameStop surge[13:41 - 20:37] Exploring the 'Meme Stock' Phenomenon• The story about meme stocks• Meme stocks went way beyond their fundamental value• Examining the meme stock squeeze• Short selling is a legitimate practice where people bet against stocks without owning them[20:38 - 27:44] Wall Street: Not a Casino, But a Place to Build Wealth • Young Reddit traders made money, but they were net contributors to already rich people• Wall Street is mainly made up of intermediaries who are not taking risks with their own money• Wall Street is not a casino, but it can be marketed as one• The correlation between the level of activity and returns[27:45 - 35:01] The Revolution That Wasn't• Trading used to be expensive, but technological change has democratized finance• The "zero price effect."•  People consume more of something when it is free• The pandemic caused record volatility in the stock market, leading to an increase in trading activity[35:02 - 42:16] The Missed Opportunity• From the bear market low to one year after, 96% of American stocks rose• Stocks that were popular in Robinhood did better than more established stocks• The credibility of older, wiser investors vs. the success of younger, social media-savvy investors• The gamification of investing[42:17 - 52:20] Closing Segment• How to beat Wall Street and participate without playing the game• Technology has lowered the cost of investing, allowing for more market participants• Wall Street can be a place to build wealth over the decades with the right approach.Want to connect with Spencer? Head to his website to learn more about his work!Key Quotes:"What's money for, if not to give you the freedom to do something you really wanna do." - Spencer Jakab"If it's free, it means you are the product." - Brian Adams“The most successful individual investors tend to be those who sit back and let things develop.” - Spencer JakabDownload our FREE Strategizing for Inflation Guide here: https://www.excelsiorgp.com/download/Connect with me on LinkedIn!LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in, and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

How can cost segregation analysis help real estate investors maximize their returns? In this episode, John Hanning explores the potential benefits of cost recovery studies and depreciation. From bonus depreciation to different recovery periods for real property, personal property, and land improvements, John explains how cost segregation can accelerate tax deductions for real estate owners. He outlines the best time to engage a firm to study an existing or newly constructed property and the typical cost and timeline. Tune in now for expert advice on cost segregation and other money-saving strategies!John is STG's Fixed Assets / Cost Segregation / Accounting Methods Principal. Over the past 15 years as a Fixed Assets specialist, John has been responsible for the business development efforts for fixed asset services, including new client identification, proposals, and client deliverables. He has led and executed cost recovery studies on more than 5000 facilities, including; healthcare, retail, manufacturing, commercial office, multi-family, power generation, and dealerships.[00:01 - 08:32] Opening Segment• John Hanning introduces Specialty Tax Group• The power of depreciation and cost segregation analysis• Cost segregation accelerates allowable tax deductions for the client• Bonus depreciation steps down by 20% each year from 2023-2026[08:33 - 16:20] Is Cost Segregation Worth the Risk?• Exploring the benefits and risks of cost segregation studies• People should continue to do cost segregation studies despite the reduction in benefits• The best practice for timing• Engage with a firm to begin the study on the day of acquisition or at the onset of construction[16:21 - 24:14] Innovative Tax Planning Strategies • Cost segregation studies are not bulletproof, but they follow an audit techniques guide• When cost segregation studies may not make sense• The allocations between real and personal property• It should be determined by an independent appraisal or auditor's website[24:15 - 32:05] Closing Segment• Cost segregation studies can create additional deductions to offset income• The cost of a cost segregation studyWant to connect with John? Follow him on LinkedIn. Visit Specialty Tax Group, and discover innovative tax planning strategies to secure tax credits and deductions!Key Quotes:"We don't create any additional deductions. We just front load the deductions allowable to the client through cost segregation." - John Hanning“You can put anything you want on a tax return; you just have to be able to support it.” - John HanningDownload our FREE guide here: https://www.excelsiorgp.com/guide/Connect with me on LinkedIn!LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in, and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

It’s time to make sure you and your family are set up to continue success for generations to come. Today, Josh Kanter shares his journey transitioning from practice as a transactional attorney to reorganizing his family’s activities under a single-family office. He outlines the importance of having an “owner's manual” which captures all necessary information regarding a family's wealth, assets, and legal documents and how it can serve as an educational tool. Josh shares his insights on the evolution of technology and how it helps people manage and store valuable information. Let's dive in!For 20 years, Josh has been responsible for all things family office related for his multi-generational, multi-branch family. He also consults with families on issues around family office design and family governance and education, and he recently launched Leaf Planner, a digital information-sharing platform designed to replicate his family’s “owner’s manual,” a tool to identify blind spots, collect, organize and communicate information to family members and advisors, and to provide a more holistic succession of information.[00:01 - 06:56] Opening Segment• How Josh reorganized his family's activities under the umbrella of a single-family office• Introducing Leaf Planner• A platform designed to replicate the family's "owner's manual"• Holistic wealth management goes beyond just finding an investment manager[06:57 - 13:36] Creating an Owner's Manual for Your Family• The challenge is not so much finding the right people• The idea of an owner's manual• Identifying gaps in planning, and educating the next generation• Excel sheets and Dropbox folders are not enough to truly integrate family wealth information[13:37 - 20:24] Balance Sheets, Alternatives, and More!• Checklists are used to ask families deliberate questions about their wealth• The importance of having a comprehensive roadmap of hard data and financial data• Why the head of household should know how to access cell phones and computer[20:25 - 26:54] Prioritize Your Work in the World•Think about what your family would need to know if you could never talk to them again• Know the right questions to ask and who to bring in for help• The owner's manual helps with the succession of information and transfer of knowledge[26:55 - 35:38] Closing Segment• How technology is transforming succession planning• The value of InformationWant to connect with Josh? Follow him on LinkedIn. Check out his website to detail your family's future!Resources Mentioned:Leaf PlannerKey Quotes:“So the whole technology evolution has really helped families in meaningful ways.” - Josh Kanter“Life is complicated and the older we all get, the more complicated things seem to get.” - Josh KanterDownload our FREE guide here: https://www.excelsiorgp.com/guide/Connect with me on LinkedIn!LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.