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    <title>Truss Talk</title>
    <language>en</language>
    <copyright></copyright>
    <description><![CDATA[Real strategies for self-employed borrowers, real estate investors, and homeowners looking to unlock their equity. Hosted by the team at Truss Financial Group, each episode breaks down the lending programs, market shifts, and financial tactics that traditional banks won't tell you about — from DSCR and bank statement loans to HELOCs, reverse mortgages, and retirement-smart financing options for seniors. No fluff. No jargon walls. Just the insights that move the needle.]]></description>
    <itunes:author>Jason Nichols</itunes:author>
    <itunes:owner>
      <itunes:email>jason@northtwosouth.com</itunes:email>
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    </itunes:owner>
    <itunes:type>episodic</itunes:type>
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      <title>Digital HELOC or Hybrid Underwrite: Which Truss HELOC Is Right for You?</title>
      <description><![CDATA[Are you a bad borrower, or are you just being evaluated by the wrong system?

In 2026, the mortgage industry is split between two extremes: fully automated digital lenders and slow, rigid traditional banks. While digital speed is great for a standard W-2 employee, it often creates a brick wall for self-employed individuals, business owners, and investors with complex financial profiles. 

In this episode of Truss Talk, Jason Nichols (CMO) and Jeff Miller (CEO of Truss Financial Group, a Scotsman Guide top-ranked firm) expose the hidden flaws in "one-size-fits-all" underwriting. We break down why the digital model struggles with legitimate business deductions and why the traditional bank model is too slow to help you scale. Most importantly, we introduce the Hybrid Underwriting approach—the strategy that combines digital efficiency with human expertise to green-light the loans that others decline. 

In this episode, we discuss: 
The Digital Blind Spot: Why fully automated systems often mistake business deductions for low income.

The Problem with Big Banks: Why traditional lenders want your entire life story but still lack the context to understand your cash flow.

Hybrid Underwriting Explained: How Truss Financial Group combines the speed of tech with the common sense of manual review.  

HELOCs for the Non-Traditional Borrower: Why self-employed individuals and investors shouldn't settle for a "No" from an algorithm.  

The 2026 Lending Landscape: Why matching the borrower to the right underwriting approach is the most critical step in closing your deal.  

Don't let a rigid system dictate your liquidity. If you’ve been told you don’t qualify, it’s time to look at your equity through a different lens.

Connect with Truss Financial Group:

Official Website: Visit trussfinancialgroup.com and navigate to the HELOC or Bank Statement Loans page under our "Loans" menu to see how our hybrid process works.

Call the Solutions Desk: Reach out to our team at 888-878-7715 for a personalized review of your scenario.]]></description>
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      <pubDate>Thu, 21 May 2026 20:42:52 +0000</pubDate>
      <itunes:duration>295</itunes:duration>
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      <title> The Luxury Liquidity Play: Why High-Net-Worth Homeowners are "Reverse Loading" Their Estates</title>
      <description><![CDATA[Why let millions of dollars sit "lazy" in your walls when they could be protecting your portfolio?

For owners of high-value estates, the traditional financial playbook is being rewritten. In 2026, the wealthiest homeowners aren't just sitting on their equity—they are strategically "reverse loading" it to hedge against market volatility and looming tax changes.

In this episode of Truss Talk, Jason Nichols and Jeff Miller dive into the sophisticated world of Proprietary (Jumbo) Reverse Mortgages. Forget the late-night TV tropes; we’re discussing a surgical financial tool designed for homes valued at $3M, $10M, and beyond. Learn how elite homeowners are bypassing the limitations of government-backed loans to unlock massive, tax-free liquidity without ever selling a share of stock.

In this episode, we discuss:
The HECM Ceiling: Why standard reverse mortgages fail luxury homeowners and how Proprietary loans bridge the multi-million dollar gap.

The Stock Market Paradox: How to fund a high-end lifestyle or new investments without triggering capital gains taxes or selling in a down market.

The 2026 Estate Tax Cliff: Using home equity to solve the "Liquidity Trap" for heirs before the IRS comes calling.

The Sequence of Returns Hedge: Why tapping your home is often a smarter move than "cannibalizing" a compounding investment portfolio.

The New Age Limit: Why these strategic tools are now becoming available to homeowners as young as 55.

It’s about control, not necessity. Discover how to "right-size" your balance sheet and put your home equity to work while your assets stay protected.

To see if a Jumbo Reverse loan is the right move for your estate, head over to trussfinancialgroup.com and select Reverse Mortgages from our 'Loans' section to explore our proprietary high-value products.

Direct URL: https://trussfinancialgroup.com/reverse-mortgages]]></description>
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      <pubDate>Mon, 18 May 2026 14:59:59 +0000</pubDate>
      <itunes:duration>263</itunes:duration>
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      <title>Why Retail Banks Can't Handle Real Estate Investors Anymore</title>
      <description><![CDATA[Is your bank helping you build a kingdom-or treating you like a liability?

In 2026, the gap between retail banking and real estate reality has never been wider. While you’re out there identifying opportunities and scaling your portfolio, your local branch manager is likely still squinting at your tax returns, confused by your success.

In this episode of Truss Talk, Jason Nichols and Jeff Miller pull back the curtain on why the "Big Four" and local credit unions are officially hitting a wall when it comes to sophisticated investors. From the "DTI Trap" to arbitrary exposure limits, we explore why the traditional banking system is designed for stability, not the growth a professional investor requires.

In this episode, we discuss:
The Consumer Underwriting Trap: Why retail banks see your rental income as a risk rather than an asset.

The "10-Property Ceiling": Why most banks cut you off just as you’re starting to gain real momentum.

DTI vs. DSCR: A breakdown of the "Truss Way"—qualifying the property’s cash flow instead of your personal debt-to-income ratio.

The 2026 "Commercial Cliff": How the banking industry’s fear of office and retail spaces is unfairly affecting residential investors.

The Power of Private Capital: Why moving away from retail banks might be the best move for your portfolio’s ROI.

Stop trying to fit a sophisticated investment strategy into a "starter-home" bank. If you’ve been told you’re "over-leveraged" or "too complex," it’s time to change the conversation.

Connect with Truss Financial Group: https://trussfinancialgroup.com/]]></description>
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      <pubDate>Mon, 11 May 2026 15:30:00 +0000</pubDate>
      <itunes:duration>257</itunes:duration>
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      <title>The P&amp;L Shortcut: How to Get a Mortgage Using One Sheet of Paper</title>
      <description><![CDATA[Are you a business owner being buried in paperwork by the "Big Banks"?

In this episode of Truss Talk, Jason Nichols and Jeff Miller take aim at the traditional mortgage process that penalizes entrepreneurs for their success. If you’ve ever been asked for years of tax returns, K-1s, and 1099s only to be told your "taxable income" isn't high enough to qualify, this episode is for you.

We’re breaking down the P&L Only Loan—the ultimate financial shortcut for 2026. Learn how you can bypass the mountain of paperwork and qualify for a mortgage using a single sheet of paper that reflects the actual health of your business today.

In this episode, we discuss:

The "Tax Return" Trap: Why 100-page tax returns are essentially history books that don't reflect your current success.
The One-Sheet Solution: How a CPA-prepared Profit & Loss statement can replace years of personal and corporate filings.
Speed of Business: Why P&L loans move faster than traditional underwriting (no more waiting for months to close).
The "Scale-Up" Advantage: How entrepreneurs who had a building year in 2024 can still qualify for a premium home based on their 2025-2026 growth.
Depreciation & Deductions: Why we look at your gross health, not the deductions your accountant used to lower your tax bill.

Stop running on the document treadmill. Discover how to use your business’s real-time success to open the front door of your next home.

Connect with Truss Financial Group
Truss Financial Group is the premier lender for the modern entrepreneur. We specialize in Non-QM and specialized mortgage products, including P&L Only and Bank Statement loans, designed specifically for self-employed borrowers and scale-up founders.

Ready to see what your business is actually worth?

Run the Numbers: https://trussfinancialgroup.com/mortgage-calculator/
Official Website: https://trussfinancialgroup.com/
Get a Direct Quote: https://trussfinancialgroup.com/get-a-quote/
Speak with our team: 888-878-7715

Follow for Insights: Search "Truss Financial Group" on LinkedIn and Instagram for more "Truss Move" strategies.]]></description>
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      <pubDate>Tue, 05 May 2026 15:00:00 +0000</pubDate>
      <itunes:duration>250</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>The Standby HELOC: Why You Need a Safety Net Before the Banks Freeze Credit Lines</title>
      <description><![CDATA[Banks only want to lend you an umbrella when the sun is shining.

In this episode of Truss Talk, Jason Nichols and Jeff Miller discuss a critical shift in the 2026 economy. As the "Big Four" banks begin to tighten credit and reduce loan-to-value (LTV) ratios, many homeowners risk losing access to their equity exactly when they might need it most.

We break down the "Standby HELOC"—a liquidity insurance policy that sits at a $0.00 balance, costing you nothing in interest, but providing a massive "fire extinguisher" for your finances.

What You’ll Learn in This Episode:

The "Freeze" Warning: Why waiting until you "need" money is the fastest way to get a "no" from the bank.

The Standby Strategy: How to lock in your home’s equity while your income is strong and home values are high.

The Cash Buyer Edge: Why a HELOC makes you a cash buyer, allowing you to close on distressed properties in 7 days.

Rate Protection: How to tap into your equity without touching your low-interest "Golden Handcuff" first mortgage.

Stop sitting on a ticking clock. Secure your access to capital now so you can protect your past wins and fund your future ones.

Connect with Truss Financial Group

Truss Financial Group specializes in high-limit HELOCs and specialized lending for self-employed borrowers and real estate investors. We look at the data differently to help you build a true financial fortress.

Secure your safety net today:

Official website: https://www.trussfinancialgroup.com

Speak with our team: 888-878-7715

Follow for Insights: Search "Truss Financial Group" on LinkedIn and Instagram.

]]></description>
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      <pubDate>Wed, 29 Apr 2026 15:00:00 +0000</pubDate>
      <itunes:duration>278</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>What Happens to Your Spouse if You Die With a Reverse Mortgage?</title>
      <description><![CDATA[In this episode of Truss Talk, Jason Nichols and Jeff Miller tackle the "elephant in the room": what happens to your spouse if you pass away with a reverse mortgage? 

Discover how 2026 HUD regulations and "Non-Borrowing Spouse" protections ensure your partner stays safely in their home, and learn why modern non-recourse loans mean your heirs are never stuck with the bill.

Don’t leave your partner’s future to chance; build a plan that protects the people you care about most.

📞 Call Truss Financial Group today at (888) 878-7715 

Visit: https://trussfinancialgroup.com/reverse-mortgages ]]></description>
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      <pubDate>Tue, 14 Apr 2026 13:16:05 +0000</pubDate>
      <itunes:duration>305</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>The 'No-Ratio' Revolution: Can You Fund a Rental Property That Makes Zero Dollars Today</title>
      <description><![CDATA[In this episode of Truss Talk, I tackle a bold new strategy transforming the way we view rental property investments: the "No-Ratio" Revolution. Join me as I discuss why conventional wisdom about cash flow is outdated and how today’s high-interest, high-insurance environment demands a fresh approach. I’ll share real-life examples of frustrated investors and how they can successfully secure financing, even when their properties aren't generating immediate cash flow. Discover how our unique asset-based lending solutions empower investors to seize opportunities that traditional banks dismiss. Tune in to learn how you can navigate this changing landscape and build wealth in 2026, by marrying homes with smart financial strategies.]]></description>
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      <pubDate>Mon, 06 Apr 2026 12:27:23 +0000</pubDate>
      <itunes:duration>327</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Why Are You Still Showing Tax Returns to Banks in 2026?</title>
      <description><![CDATA[If you’re self-employed, a freelancer, or a business owner, your tax return is your best friend in April, but it’s your worst enemy at the bank. In this episode of Truss Talk, Jason Nichols and Jeff Miller expose the "CPA Paradox": the frustrating reality where legally minimizing your taxes makes you look "broke" to traditional mortgage lenders.

The big retail banks are still using 1990s underwriting in a 2026 economy. They look at your net income after write-offs and tell you that you can’t afford the home you’re already sitting on the cash for. Jason and Jeff break down why you should never pay the IRS a "premium" just to qualify for a loan, and how to use the "Truss Philosophy" to get approved based on your real-world success.

In this episode, you’ll discover:
The CPA Paradox: How the same write-offs that save you thousands in taxes are sabotaging your debt-to-income ratio.

Line 31 vs. Reality: Why banks ignore the $150k in your checking account and fixate on a tiny number on your Schedule C.

Bank Statement Loans: The "No-Tax-Return" alternative that qualifies you based on your actual gross deposits and cash flow.

Industry Expense Factors: How Truss calculates your true purchasing power without digging into your personal tax filings.

Stop Renting, Start Owning: Why you don't need two years of "perfect" tax returns to buy your dream home or next investment property.

Know Your True Purchasing Power
Stop apologizing for being a successful entrepreneur. Let us look at your cash flow, not your tax strategy.

Free 12-Month Deposit Analysis: https://trussfinancialgroup.com/i-am-self-employed

Talk to an expert who understands depreciation, write-offs, and 2026 entrepreneurship: 888-878-7715

Learn more from the Guide: https://trussfinancialgroup.com/self-employed-mortgages]]></description>
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      <pubDate>Tue, 24 Mar 2026 18:00:00 +0000</pubDate>
      <itunes:duration>302</itunes:duration>
      <itunes:explicit>false</itunes:explicit>
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      <title>Are Big Banks Quietly Slashing Home Equity Limits? (Why You Need a HELOC Today, Even if You Don't Use It)</title>
      <description><![CDATA[Are Big Banks Quietly Slashing Home Equity Limits? (Why You Need a HELOC Today, Even if You Don't Use It)

In 2026, American homeowners are sitting on record-breaking equity, but there is a storm brewing behind the scenes. While your home value looks great on paper, the big retail banks are quietly "pulling up the ladder."

In this premiere episode of Truss Talk, Jason Nichols and Jeff Miller expose how major lenders are moving the goalposts by slashing credit limits and reducing access to home equity, often without warning.

If you have a 3% or 4% mortgage rate, the banks want you to refinance and give that gift back. Don't fall for it. Jason and Jeff break down the "Truss Move": the Standby HELOC. Learn how to lock in your "Home ATM" while the sun is still shining, giving you the power of a cash buyer without paying a cent in interest unless you use it.

Take Control of Your Equity
Don't let a bank underwriter decide when you can access your own wealth. Get your "umbrella" before the rain starts.

Free Equity Check: Find out how much liquidity you can unlock with a "soft" credit pull (no impact on your score).

Check My Equity Limit: https://trussfinancialgroup.com/get-started-heloc

Book a Strategy Call. Speak with a Truss Financial expert to build your custom safety net. Call us at: 888-878-7715

Visit Our Website: TrussFinancialGroup.com]]></description>
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      <pubDate>Fri, 20 Mar 2026 14:07:29 +0000</pubDate>
      <itunes:duration>295</itunes:duration>
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      <title>Is the Reverse Mortgage Actually a Scam, or Just Misunderstood?</title>
      <description><![CDATA[Is the Reverse Mortgage Actually a Scam, or Just Misunderstood?

Most people hear "reverse mortgage" and immediately think of predatory late-night infomercials, fine print designed to steal the family home, and heirs left holding the bag. In the traditional financial conversation, reverse mortgages have a reputation problem — and honestly, twenty years ago, that reputation wasn't entirely wrong.

But it's 2026. The regulations have changed, the products have evolved, and at Truss, high-net-worth retirees are using these as sophisticated wealth management tools — not last resorts.

In this episode of Truss Talk, Jeff Miller and Jason Nichols strip away the myths, fact-check the biggest misconceptions, and reveal why the Modern Reverse Mortgage might be one of the most misunderstood wealth tools in retirement planning today.

What You'll Learn in This Episode:

The Ownership Myth: Why "the bank owns your house" is 100% factually false — and what a lien actually means for you and your family.

The Heirs Aren't on the Hook: How Non-Recourse Loan protections in 2026 mean your kids' bank accounts and homes are completely off the table.

The Jumbo Reverse Advantage: Why FHA limits are practically useless for homes worth $1M+ — and how Truss goes up to $4–6 million for high-equity clients.

The $72,000-a-Year Raise: How eliminating a $6,000/month mortgage payment with a Jumbo Reverse is tax-free cash flow without selling a single share of stock.

The 2026 Safety Net: From Financial Assessment rules to Non-Borrowing Spouse protections — why this isn't your grandfather's reverse mortgage anymore.

Stop making retirement decisions based on myths from the 90s. Your home might be your greatest asset — it's time to make it start paying you back.

Connect with Truss Financial Group:

Website: Truss Financial Group
Have a deal to run? Call us for a complimentary consultation — we'll run the numbers and show you the difference between an FHA HECM and a Jumbo Proprietary loan.
Share the Wealth: If this episode helped you, share it with a retiree or pre-retiree who has been dismissing reverse mortgages based on outdated information.]]></description>
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      <pubDate>Mon, 09 Mar 2026 11:26:00 +0000</pubDate>
      <itunes:duration>298</itunes:duration>
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      <title>Is the BRRRR Method Finally Dead in 2026?</title>
      <description><![CDATA[Is the BRRRR Method Finally Dead in 2026?

With investor rates hovering between 6.5–7.5% and renovation costs refusing to come down, a lot of real estate investors are hitting a wall — specifically at the "Refinance" step. Traditional banks are demanding 12-month seasoning periods and a 1.25 DSCR minimum, and if your numbers don't hit that mark, you're getting a flat "No."

But does that mean BRRRR is dead? Not if you know how to play it.

In this episode of Truss Talk, Jeff Miller and Jason Nichols break down the 2026 BRRRR reality and reveal the lending strategies that are keeping serious investors closing deals, pulling cash out, and scaling portfolios — even when the rent doesn't cover the mortgage on paper.

What You'll Learn in This Episode:

The 70% Rule Problem: Why today's renovation costs and high ARVs are trapping capital and killing the "Repeat" step before it starts.

The Seasoning Trap: How a 10% hard money loan plus a 12-month waiting period can quietly erase your entire profit margin.

The 1.25 DSCR Wall: Why big banks keep rejecting deals that actually cash flow — and what that $500 monthly gap really means for your portfolio.

The Asset Depletion Advantage: How Truss uses your existing brokerage accounts, 401k, or cash reserves to turn a 0.90 DSCR deal into a 1.5 DSCR deal on paper.

The 2026 Timeline Hack: How investors are refinancing in 3–6 months instead of waiting a year using Truss's No-Ratio DSCR programs.

Stop letting tight rental markets freeze your capital. You keep building the portfolio. We'll keep building the bridge.

Connect with Truss Financial Group:

Website: Truss Financial Group
Have a deal to run? Call us or send your deal details for a same-day Asset Depletion analysis — we can usually tell you within 24 hours if we can make it work.
Share the Wealth: If this episode helped you, share it with a fellow investor who is currently stuck waiting on a refi that won't pencil out.]]></description>
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      <pubDate>Mon, 02 Mar 2026 17:00:00 +0000</pubDate>
      <itunes:duration>280</itunes:duration>
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      <title> Is it Possible to Write Off Everything AND Still Qualify for a Mortgage?</title>
      <description><![CDATA[In the traditional banking world, the answer is usually a flat "No." Big banks look at Line 31 of your tax return—your net income—and if your CPA has done a great job with your deductions, the bank sees you as "poor," regardless of how much cash is actually flowing through your business.
In this episode of Truss Talk, Jeff Miller and Jason Nichols break down the "Net Income Trap" and reveal the 2026 lending strategies that allow entrepreneurs, investors, and the self-employed to qualify for the capital they deserve without sacrificing their tax strategy.

What You’ll Learn in This Episode:
The "Line 31" Reality Check: Why traditional AI underwriting ignores the $200k in your business checking account and only sees what you told the IRS you "kept."
The Bank Statement Revolution: How Truss Financial Group uses 12–24 months of business deposits to calculate your true purchasing power.
Industry Expense Factors: Why a consultant might only need a 10% expense factor while a contractor needs 50%, and how that impacts your loan.

The 2026 Toolkit: A deep dive into P&L-Only Loans and Asset Depletion strategies for complex business owners with multiple LLCs.
The "1990s Advice" Warning: Why showing more income for two years is outdated advice that costs you thousands in unnecessary taxes.
Stop choosing between a great tax strategy and a great home. You handle the business. We’ll handle the bank.

Connect with Truss Financial Group:
Website: Truss Financial Group
Have a deal to run? Call us or send your last 12 months of bank statements for a same-day review.

Share the Wealth: If this episode helped you, share it with a fellow business owner who is currently "stuck in mortgage jail."
]]></description>
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      <pubDate>Mon, 23 Feb 2026 07:54:50 +0000</pubDate>
      <itunes:duration>306</itunes:duration>
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      <title>Your Home is Not an ATM: Smart Equity vs. The Lifestyle Trap</title>
      <description><![CDATA[In this debut episode of the Truss Financial Podcast, Jeff (CEO) and Jason Nichols (CMO) pull back the curtain on how modern homeowners—from entrepreneurs to retirees—can strategically leverage their home equity to build wealth rather than erode it.

The mortgage industry is often "stuck in the past," leaving self-employed business owners and investors struggling with mountains of paperwork and outdated products. Jeff and Jason discuss how Truss Financial Group is solving these bottlenecks with modern tools like No-Tax Return HELOCs and Digital No-Appraisal HELOCs that provide funding in days, not months.
+4

In this episode, you’ll learn:

The Power of Arbitrage: How to use "Good Debt" to fund rental properties (DSCR) or business expansions where the asset pays the bill.

The Matching Principle: Why using long-term secured debt for short-term consumption—like a "dream wedding" or a luxury vacation—is a recipe for eroding your net worth.


Renovations with ROI: The difference between an investment and a "lifestyle choice," such as the $100,000 swimming pool trap.

A Safety Net for Seniors: How a standard line of credit can serve as "financial insurance" for retirees who are house-rich but cash-poor.

Stop treating your home like a weekend ATM and start treating it like a bank that builds your empire.]]></description>
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      <pubDate>Wed, 11 Feb 2026 19:04:37 +0000</pubDate>
      <itunes:duration>364</itunes:duration>
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