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Holiday spending has a way of bringing financial stress right to the surface. In this episode of Financial Fitness with The Money Doctor, Frances Rahaim, Ph.D., breaks down the Four Levels of “Stuck” that people fall into when their money feels tight — from a simple “GPS recalculating” moment all the way to a full “couch stuck in the doorway” crisis.
You’ll hear practical, judgment-free guidance for:
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people who are doing fine but want to do things smarter,
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people who are a little stuck and need small course corrections,
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people who feel buried by minimum payments,
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and people who are so overwhelmed they’re considering bankruptcy.
You’ll also hear a real-life story of a business owner who made “too much” to qualify for bankruptcy — and still used the HUG Your Money™ system to get completely debt-free in about five years.
This holiday season, don’t stress alone.
There is a way forward — and it starts at HugYourMoney.com.
Learn more at HugYourMoney.com
Life Changes Show with Filippo Voltaggio and cohost Mark Laisure, with Executive Producer Dorothy Lee Donahue
Featuring Interview Guest, Academic Researcher, Systems Theorist, Founding Chairman of Tunisian Millennium Project Node, WAAS Fellow, Author, Neo-Khaldunism: A Radical-Hope-Based Blueprint for Post-Collapse Humanity, Professor Jelel Ezzine; and Performance Guest, GRAMMY® Nominated and Award-Winning Multi-Instrumentalist, Sensory Artist, Composer, Radhika Vekaria, on The Life Changes Show, Episode 869
Interview Guest: PROF. JELEL EZZINE; and Performance Guest: RADHIKA VEKARIA
Life Changes Show with Filippo Voltaggio and cohost Mark Laisure, with Executive Producer Dorothy Lee Donahue
Featuring Interview Guest, Visionary Director / Producer / Futurist, Award-Winning Film Maker and Technologist, Thought-Leader in Virtual Reality and A.I., Brett Leonard; and Performance Guests, LA Based Band and Platform Committed to Inspiring and Encouraging Humanity to Live in a State of Love, Light, and Peace, Grand Rising, on The Life Changes Show, Episode 868
Interview Guest: BRETT LEONARD; and Performance Guests: GRAND RISING
Life Changes Show with Filippo Voltaggio and cohost Mark Laisure, with Executive Producer Dorothy Lee Donahue
Featuring Interview Guest, Clinical Psychologist, Humor Researcher, University Professor, and Author, Louis R. Franzini, PhD ; and Performance Guest, Two-Time BMI Award Winning Producer, Singer, Songwriter, Jesse Nolan of Caught a Ghost, on The Life Changes Show, Episode 867
Interview Guest: LOUIS R. FRANZINI, PhD; and Performance Guest: JESSE NOLAN of CAUGHT A GHOST
Olav Aleksander, Norwegian Sports Scientist & Endurance Performance Coach joins me along with Sarah Turner, CEO/Co- Founder of Cerathrive, a Healing Red Light & Neurotechnology Company. Then, it’s 'The Sports Doctor Is In' with some Dr. Bob wisdom and your questions and emails!
Norwegian Sports Scientist & Endurance Performance Coach
Systems thinker, entrepreneur, coach & scientist to Olympic & World Champions pushing performance boundaries. Love nature, people & team-building; systematic experimenter embracing risk in sports, startups & innovation.
CEO/Co- Founder of Cerathrive, a Healing Red Light & Neurotechnology Company
Science research background and an inquisitive mind. Recognised expert on the connection between red light therapy and gut brain connection. I am interested in all aspects of the application of light in biology including photobiomodulation, circadian biology, chronobiology, lifestyle modification and biohacking.
Co-founder and CEO of CeraThrive - a neurotechnology company with products that heal the body and promote optimal functioning, with a focus on brain issues and the gut-brain connection. The first product is CERA - a novel FDA listed red light therapy system (tPBM).
Although my main interest is scientific research, as part of my journey I have interviewed some of the most prolific thought-leaders, visionaries, experts in health and performance. This has led to my current understanding of the overriding role of physics in relation to biology, and has fuelled my current interest in the field of quantum biology in health, photomedicine and consciousness studies. Check out my interviews on my bi-weekly podcast - Rebel Scientist.
Lou Franzini earned his B.S. and Ph.D. in clinical psychology at the University of Pittsburgh. In between he earned an M.S. in preclinical psychology at the University of Toledo. He then completed a postdoctoral fellowship in behavior modification at the currently named Stony Brook University, NY. He then joined San Diego State’s Department of Psychology where he is now Emeritus Professor of Psychology.
He has authored over 100 academic articles and popular press items, 30+ book reviews, and 13 Continuing Education courses, plus five books all with traditional publishers. He is licensed for the practice of Psychology in both CA and FL.
He has served as an Exchange Professor at universities in Belgium and Singapore. He also served as a consultant to the U.S. Peace Corps for the Jamaica Project.
Regarding How Humor Helps: Enhancing Your Relationships, Health, and Happiness:
In The judicious use of humor is often cited as the reason a new relationship began. It is also frequently recognized as the reason it has lasted. People like to be with others who make them laugh and who, in turn, enjoy their own humorous comments. Humor is an effective tool in nearly all settings, from formal interactions in the workplace to casual exchanges with strangers. How Humor Helps… informs its readers how to determine what is funny and what is not.
Complicating the picture is that the appropriate use of humor has recently changed drastically in terms of topics and language. This book emphasizes the positive values of humor in many areas of life and how to deliver it effectively. Based on the scientific literature, the views of professional comedians, and our awareness of cultural changes, the author’s recommendations are all designed to affect major personal benefits to the reader. Maybe greater longevity, too, as the latest evidence is that strong social connections, facilitated by clever humor, actually can make people happier, self-confident, and even physically healthier.
This book stresses the value of using humor in most areas of your life and how to do it successfully to garner the greatest benefits. In addition, he has performed stand-up comedy in a variety of U.S. cities.
Two-Time BMI Award Winning Producer, Singer, Songwriter
Caught A Ghost is a California-soul project from Los Angeles singer, producer, and two-time BMI Award winner Jesse Nolan.
Blending vintage Motown and Stax influences with modern production, the band’s sound bridges classic soul and contemporary groove.
Their debut album Human Nature sparked a wave of success, earning over 100 sync placements in shows like Bosch, The Blacklist, Suits, You, Grey’s Anatomy and more, leading to national tours across the U.S.
During the pandemic Nolan co-founded a virtual-concert company that attracted major investment and artist partnerships, and he now leads a new creative studio called velvetLAB producing music and content for film, TV, and brands.
In 2025, Caught A Ghost returns with a new EP called California Soul, blending the lush, cinematic spirit of 1970s soul and psychedelic rock energy of the Laurel Canyon scene. The record nods to the timeless storytelling of Marvin Gaye and Curtis Mayfield while channeling the free-flowing harmonies and textures of California icons like and Crosby, Stills & Nash.
Renowned Mantra Singer, Kundalini Yoga Teacher, Sound-Healer
Erin Breech is a renowned mantra singer, Kundalini Yoga teacher, and sound-healer whose voice channels the subtle realms.
With over two decades as a student and teacher of the yogic arts and sciences, her offerings convey a deep level of devotion. Erin’s music offers a bridge to access the hidden angelic realms to anchor frequencies of peace within our own hearts and lives.
Her performances and recordings carry a purity of intention, blending Gurmukhi mantras with ethereal, modern production. Through her work, Erin invites audiences to experience mantra not just as music, but as a living vibration that restores balance, grace, and remembrance.
CEO of Global Schoolwear
Adam Weil, CEO of Global Schoolwear, was a former senior director in charge of the school uniforms unit at Lands’ End. “The interesting thing about this business model is that if there are 100 kids in a school, and we go 99 out of 100 in outfitting them, we still don’t win if just one kid is out of uniform. That’s one of our biggest challenges—to have enough of the right inventory available in real time for customers to order.”
But it’s a challenge that Global Schoolwear has learned to control with a customized digital commerce platform, Weil and Kohls say. Earlier this year, they put together a new technology framework designed to match thousands of buyers from hundreds of schools with the just the right mix of Tommy Hilfiger garments according to the style, color and school logos each educational institution requires its students to wear.
Global Schoolwear, which has an exclusive license from designer apparel brand Tommy Hilfiger to produce and sell school uniforms, has contracts with more than 450 schools to provide uniforms according to the specifications set by Tommy Hilfiger and by each school. Global Schoolwear takes Tommy Hilfiger’s garment specifications, then works with textile mills to produce the right garment materials in cotton and other fabrics, and works with apparel manufacturers to produce the garments.
It stocks enough goods in its warehouse-fulfillment center—about 1 million pieces at any one time during peak periods, with about 9,000 SKUs—to meet the expected overall back-to-school demand. As customers place orders on each school’s customized electronic product catalog that runs on Global Schoolwear’s ecommerce platform, each order is coded to indicate the garment type, style and color, plus the logo specifications.
Academic Researcher, Systems Theorist, Founding Chairman of Tunisian Millennium Project Node, WAAS Fellow, Author
Dr. Jelel Ezzine is a scholar and systems theorist based in Tunis, with internationally recognized expertise spanning cybernetics, civilizational analysis, and epistemology. He is the founding chairman of the Tunisian node of the Millennium Project (MP) since 2016—one of the world’s foremost foresight networks. Previously, he was Director General of International Cooperation at Tunisia’s Ministry of Higher Education and Scientific Research.
A Fellow of the World Academy of Art and Science (WAAS), Dr. Ezzine is renowned for pioneering Neo-Khaldunism, applying Ibn Khaldun’s sociology to modern complexity science and systemic resilience modeling. He developed the Khaldunian Civilization Health (KCH) Index for evaluating social cohesion and adaptability.
He is also the author of the forthcoming book, Neo-Khaldunism: A Radical-Hope-Based Blueprint for Post-Collapse Humanity, which charts a path for transformative epistemology and civilizational renewal beyond current systemic crises.
His credentials include serving on the Editorial Board of UNESCO’s flagship Science Report (2021 & upcoming 2026 editions)—a central reference for global science governance and sustainability pathways.
GRAMMY Nominated and Award-Winning Multi-Instrumentalist, Sensory Artist, Composer
As a GRAMMY nominated and award-winning multi-instrumentalist and sensory artist, Radhika Vekaria creates transformative experiences for her audience, transcending boundaries of time and culture. She redefines the perception of ancient music, her soulful voice serving as a conduit to unite hearts and minds. Infusing her music with the wisdom of ancient Sanskrit narratives, blending tradition with innovation, Radhika invites listeners on a journey of release, self-discovery and enlightenment, through striking soundscapes.
Radhika’s music is a true expression of her desire as a child to heal others, and today she advocates for the transformative power of mantras and the timeless wisdom of Vedic culture integrated into our modern world. With each note, Radhika bridges the East and West, simultaneously beckoning us to embrace the harmony within ourselves and the world around us, leaving an indelible mark on the landscape of music and spirituality.






