Episode Summary In this deeply reflective conversation, host Gary Pinkerton is joined by Dale Young—business coach, author, and leadership mentor—and Paul Seitz, former nuclear submarine commander and financial stewardship advocate, for an exploration of faith, purpose, leadership, and business alignment. The episode centers around Dale Young's book, The Power of Aligning Faith and Business, and examines how entrepreneurs, leaders, and professionals can discover their God-given calling while building meaningful businesses and lives. Drawing from decades of leadership experience, personal spiritual growth, military service, coaching, and entrepreneurship, the conversation explores the intersection of identity, purpose, stewardship, and success. Dale shares his journey from a late-life Christian awakening to discovering his calling as a coach helping people uncover their unique gifts and align them with meaningful work. He introduces concepts from his coaching framework, including the "Triad of Significant Impact" — identity, community, and calling — and explains how tools like CliftonStrengths and Working Genius can help people discover their natural talents. Paul Seitz reflects on lessons learned from submarine leadership, family life, financial stewardship, and faith. He discusses the importance of daily spiritual alignment, giving the "first fruits" of the day to God, and allowing one's natural gifts to guide purpose and service. Gary contributes personal reflections about business ownership, self-reliance, entrepreneurship, and spiritual maturity, emphasizing how discovering one's talents can ultimately lead to creating impact at scale through leadership and business. Together, the three discuss: How people discover their purpose and calling The importance of daily alignment with God Leadership rooted in faith rather than pressure or control Why many business owners feel isolated and disconnected The role of stewardship in finances and life

🧾 Episode Summary In this deeply moving episode of Gary's Gulch, host Gary Pinkerton sits down with entrepreneur, podcast host, and author Matthew Efird to explore the intersection of faith, family, and business. Matthew shares the origin story behind his podcast Pillars of Purpose and the philosophy that drives his work: success is not one-dimensional—it's built at the intersection of purpose across life's most important pillars. The conversation takes a powerful turn as Matthew opens up about the loss of his son Noah due to Trisomy 13, and how that experience reshaped his faith, his family dynamics, and the way he builds and operates businesses. From that pain emerged a mission: to serve others through storytelling, community, and tangible support—leading to his book Even Though We Will and a foundation that supports families navigating similar loss. This episode is a masterclass in resilient leadership, purpose-driven entrepreneurship, and what it truly means to build a life—not just a business—that matters. 🔗 Links & Resources Connect with Gary Pinkerton Home - Paradigm Life gpinkerton@paradigmlife.net Even Though, We Will: Finding Rest in the Waves of Child Loss and the Practical Arks that Carry Us Through. https://eventhoughwewill.com/ Lighting ProsHOME Home | Gary Pinkerton 🔑 Keywords faith-driven entrepreneurship purpose-driven life grief and resilience child loss trisomy 13 leadership mindset business systems family values Christian entrepreneurship emotional resilience l

🧠 Episode Summary In this episode, Gary Pinkerton shares his journey from growing up on a struggling dairy farm to commanding nuclear submarines—and ultimately transitioning into financial services. Through personal experience, including losing half his wealth during the Great Recession, Gary developed a philosophy centered on financial agency, self-reliance, and control. He breaks down why the most successful individuals "bet on themselves," how traditional financial systems can fail individuals, and introduces the concept of the Family Bank—a strategy using whole life insurance to create liquidity, control, and generational wealth. This conversation is especially powerful for business owners, entrepreneurs, and anyone seeking to take ownership of their financial future while building a legacy that extends beyond their lifetime. 🔗 Links & Resources Connect with Gary Pinkerton Home - Paradigm Life gpinkerton@paradigmlife.net  Home | Gary Pinkerton 🔑 Keywords financial freedom wealth building infinite banking family bank entrepreneurship mindset financial literacy whole life insurance legacy planning business ownership personal agency investing mindset generational wealth risk management passive vs active investing financial independence 🎯 Episode Highlights 00:00–02:30 – Gary's return to podcasting and introduction to the episode 03:00–04:30 – Growing up on a dairy farm and early financial struggles 04:30–06:00 – Entering the Naval Academy and military career path 06:00–08:30 – Life in the Navy and commanding a nuclear submarine

Summary In this solo episode, Gary Pinkerton reflects on his recent trip to Sydney and Queenstown, sharing personal observations on culture, freedom, and economic systems. He then shifts into the core topic: advanced tax reduction strategies for high-income earners and business owners. Gary breaks down how tools like cash balance plans and 401(h) accounts can significantly reduce taxable income—sometimes by hundreds of thousands of dollars—while building long-term wealth. The episode focuses on actionable, time-sensitive strategies that can still be applied retroactively through extended tax deadlines, making it especially relevant for entrepreneurs, self-employed professionals, and high earners. Links & Resources Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/  Keywords tax strategy cash balance plan 401h retirement planning high income earners tax reduction wealth building defined benefit plan HSA advanced tax planning business owners financial optimization Episode Highlights 00:00–00:42 – Gary returns from international travel and reflects on the experience 00:42–01:34 – Observations on freedom and societal differences across countries 01:34–03:00 – Thoughts on environmental policies and human ingenuity 03:00–04:10 – Cultural and political differences observed abroad 04:10–05:46 – Commentary on governance, control, and individual liberties 05:46–07:08 – Reflections on entitlement systems and

Episode Summary Building wealth isn't just about choosing the right investment—it's about having the right framework for decision-making. In this episode, Gary Pinkerton and Jaden Zubal explore the financial operating system that helps investors align their money with their goals, avoid common cognitive biases, and build wealth with greater clarity and control. They dive into the Hierarchy of Wealth, a framework that balances control and risk across different asset types. By understanding how assets fit within this hierarchy—from highly controlled assets like cash and insurance to more speculative investments—investors can build a financial structure designed to last for decades. The conversation also addresses a surprising truth: even smart, educated people make poor financial decisions. Cognitive biases, social pressure, and increasingly AI-driven information can push investors toward choices that feel good in the moment but undermine long-term goals. By applying the 4-3-2-1 framework, investors can filter decisions through purpose, strategy, and systems thinking—creating a financial life that supports both security and freedom. Links & Resources Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/  https://clientportal.paradigmlife.net/WealthView360  Jaden is a colleague and fellow Wealth Strategist at Paradigm Life. Find out more at: Jaden Zubal - Paradigm Life Home | Jaden Zubal jzubal@p

🎙️ Episode Summary In this episode of Gary's Gulch, Gary Pinkerton shares a replay of an interview recorded while traveling — a conversation with Austin, a younger West Point graduate who has also entered the world of Infinite Banking and alternative investing. What begins as a discussion about financial strategies quickly evolves into a deeper exploration of control, legacy, family, and purpose. Gary reflects on his transition from commanding a U.S. Navy submarine to pursuing financial independence and helping others rethink traditional investing. After losing half of his wealth during the 2008–2009 market downturn, he began questioning the traditional approach to investing through markets and financial advisors. That experience led him to explore real estate, Infinite Banking, and strategies centered on control rather than speculation. Throughout the conversation, Gary shares the philosophy that drives his work today: building wealth is not just about maximizing returns — it's about protecting family, creating legacy, and maintaining personal sovereignty over financial decisions. He also reflects on deeper motivations behind his career path, including lessons from his upbringing, his time in the military, and the realization that legacy is not what we leave to people, but what we leave inside them. The episode also touches on current geopolitical concerns, the risks carried by military service members, and the responsibility families and citizens share in supporting those who choose to serve. Ultimately, Gary explains how his mission today centers on helping entrepreneurs, investors, and business owners build financial systems that strengthen families and allow individuals to maintain independence and purpose. 🔗 Links & Resources Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/ 

🎙️ Episode Summary Ego is one of the most underestimated threats to leadership, business success, and personal fulfillment. In this episode of Gary's Gulch, Gary Pinkerton sits down with real estate entrepreneur Aaron Chapman in Branson, Missouri, during preparations for upcoming investor events. What begins as a conversation about Aaron's new book and investor experiences quickly evolves into a deeper reflection on ego, humility, leadership, and faith. Gary introduces a powerful concept: success often comes with "credit" — recognition, praise, and awards — but how leaders handle that credit determines whether they grow or eventually self-destruct. Too much ego can break partnerships, damage marriages, disrupt teams, and create entitlement. Yet humility doesn't mean rejecting praise or refusing recognition. Instead, it requires understanding where success truly comes from and how to properly redirect credit. Aaron shares personal stories about investing mistakes driven by ego, illiquid investments tied up in other people's ideas, and lessons learned about saying no even when capital and opportunity are available. Together they explore the delicate balance leaders must maintain: Accept recognition without becoming consumed by it Give credit where it's earned Avoid inflating egos within teams Recognize the deeper source of success and opportunity The conversation ultimately lands on a simple but powerful leadership principle: Success isn't about accumulating recognition — it's about staying grounded enough to keep growing. 🔗 Links & Resources Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net

Episode Summary In this episode of Gary's Gulch, Gary Pinkerton shares a candid reflection on the growing misuse of artificial intelligence — and why many current applications may be creating more noise than value. While AI holds enormous potential to eliminate repetitive work and enhance human productivity, Gary argues that it is increasingly being used in ways that waste time, weaken human communication, and replace meaningful thinking with surface-level outputs. He explains why AI should amplify human capability, not replace human judgment, creativity, or emotional intelligence. Through real-world examples — including a client case involving estate planning and AI-generated financial misunderstandings — Gary highlights the risks of relying on AI without expertise or context. The episode then transitions into a preview of a new educational course Gary is developing with lender Aaron Chapman, focused on building generational wealth through the strategic combination of real estate investing, infinite banking, and asset protection. Listeners will walk away with a clearer understanding of where AI helps, where it fails, and how disciplined financial systems — not shortcuts — create lasting wealth. Links & Resources Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/  Keywords Artificial Intelligence productivity AI limitations Human creativity vs AI Infinite banking Whole life insurance strategy Wealth building systems Real estate investing Asset protection Financial education Estate planning basics Generational wealth Cash flow investing Financial independence Human decision making AI and business communication Wealth mindset Passive income strategy Capital deployment Financial resilience Economic unc

Episode Summary In this episode, Gary Pinkerton reflects on a recent interview conducted for a PhD thesis on crisis leadership — and shares the real-world lessons he learned leading through high-stakes environments in the military, business, and investing. Gary explains why true crises are often preventable through preparation, liquidity, and resilient financial structures. Drawing from submarine operations, real estate investing, and leadership experience, he breaks down how effective leaders manage uncertainty, control emotional reactions, and make clear decisions when information is incomplete. At the center of the conversation is one powerful principle: Bad news never gets better with time. Listeners will learn how early communication, structured thinking, and trained decision-making processes can transform chaos into manageable action — whether in business, investing, or personal life. This episode delivers practical frameworks for crisis response, leadership development, and building organizations that function effectively even when leaders are absent. Links of the episode Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/  https://clientportal.paradigmlife.net/WealthView360 Zig Ziglar leadership philosophy Keywords Crisis leadership Decision making under pressure Leadership training Financial resilience Risk management Wealth strategy Family banking Investment risk Communication leadership Emotional control Military leadership lessons Business continuity Crisis communication Le

EPISODE SUMMARY In this deeply personal episode, Gary shares the full story behind one of the most common questions he receives: Why would a nuclear submarine commander on track for admiral leave it all to sell life insurance? The answer isn't about career change — it's about calling. Gary walks through pivotal life moments: growing up broke, attending the Naval Academy, commanding a submarine, losing half his wealth in the Great Recession, and realizing he had outsourced responsibility for his financial future. That wake-up call forced him to rethink everything — not just investing, but fatherhood, leadership, and legacy. He explains how shifting from market speculation to real estate ownership and liquidity-based financial strategies changed his trajectory. He also shares how mentorship at Paradigm Life introduced him to the power of safe, liquid capital as a foundation for business growth. Ultimately, this episode is about agency — taking control of your household first, then helping others scale their gifts through business ownership, liquidity, and intentional wealth-building. This is not just a career story. It's a mission story.   Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/  https://clientportal.paradigmlife.net/WealthView360 KEYWORDS Agency Financial independence Liquidity Infinite banking Hierarchy of wealth Real estate investing Business ownership Exit planning Financial responsibility Leadership transition Wealth control Family legacy Liquidity strategy Personal fin

Summary  In this episode of Gary's Gulch, dive into a heartfelt journey of personal growth, agency, and financial independence. Host Gary reflects on his childhood challenges, military career, and the lessons he's learned about true wealth and legacy. Highlighting Aaron Chapman's "Redneck Economics," Gary urges listeners to find their unique genius and use it to build a better future. Explore the power of entrepreneurship, parenting, and the pursuit of self-reliance in today's world. A must-listen for those seeking inspiration to take control of their financial destiny and personal growth..   Episode Highlights 00:00:13 - Launch of "Redneck Economics" 00:01:08 - Power of unconventional language 00:02:35 - Real estate vs. stock investing 00:03:15 - Agency and control over future 00:03:52 - Influence of Ayn Rand's "Atlas Shrugged" 00:06:06 - Economic challenges in the 1980s 00:07:00 - Personal financial journey 00:11:05 - The choice for Naval Academy 00:15:00 - Impact of the Great Recession 00:16:25 - Realization on financial independence 00:18:21 - Importance of legacy and time 00:20:47 - Shift from materialism to family 00:22:02 - Significance of choosing time with family 00:23:05 - Personal story about father's impact 00:25:38 - Investing in self and God 00:26:48 - Final thoughts on agency and impact   Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/  https://clientportal.pa

Summary  Tune into Gary's Gulch podcast, where Gary discusses "Redneckonomics" with its author, Aaron Chapman! Learn from Aaron's wealth-building insights and explore methods to 10x your wealth. Gain inspiration from Aaron's journey, wisdom, and unique approach to transforming life and legacy with real estate and more!.   Episode Highlights 00:00:23 - Aaron Chapman's book launch: "Redneckonomics" 00:01:41 - Upscaling life through real estate and personal growth 00:04:04 - Innovative book storytelling with illustrations 00:05:08 - Collaboration between Aaron and Eric Chapman 00:06:02 - The influence of Robert G. Allen 00:09:59 - The humor and style in book illustrations 00:13:11 - Quit jerking off: A metaphor for time-wasting 00:16:23 - Powerful statistics on global time waste 00:18:18 - Audiobook challenges: reading with purpose 00:20:09 - Painful lessons for impactful learning 00:24:28 - Goals beyond retirement: Coming in hot 00:27:17 - The personal pursuit of a meaningful life 00:30:03 - The transformative power of writing and visioning 00:35:01 - Future events for personal development 00:37:21 - Building a supportive community 00:40:36 - Accessing the book and related resources   Episode resources Redneckonomics book January 22 - Redneckonomics: Unconventional Success by Takin' the Beatin' Path Aaron Chapman info@aaronchapman.com Additional informationQuit Jerkin Off https://www.linkedin.com/in/aaronbchapman/

Summary  I start the episode with a 50yo speech from Admiral Rickover, father of the Nuclear Navy about the importance of business ethics delivered just before our bicentennial that is just as relevant leading into the 250th celebration. Then I shift to break down a topic I find that most people don't understand - Whole life insurance policy loans with the Infinite Banking strategy are not magic or even special. What's special is the cash value backing it. Good rule to remember - loan interest rates simply reflect the risk. If rates are low, then the risk is really low. Life insurance companies historically offer the lowest rates anywhere because of the strength of the cash value.   Episode Highlights 00:00:14 - Misunderstanding policy loans. 00:01:17 - Frustration with misinformation in the industry. 00:01:32 - Admiral Hymen G. Rickover on America's strengths and risks. 00:03:56 - Founding principles: Freedom, life, liberty, and property. 00:05:22 - Rickover on capitalism and ethical business conduct. 00:06:14 - Business ethics vs. social responsibility. 00:07:42 - Moral legacy of America's Founding Fathers. 00:11:57 - Explaining life insurance policy cash value. 00:12:56 - Misconceptions about policy loan benefits. 00:15:00 - Concept of pooled risk in insurance. 00:15:46 - Insurance companies' resilience through black swan events. 00:20:02 - Admiral Rickover's relevance in today's ethical challenges. 00:23:20 - President Trump and America's global respect. 00:24:27 - Core message: Power of insurance comes from cash value.   Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https

Summary  Kick off 2026 with Gary's Gulch as he shares an uplifting message of optimism for America and highlights pivotal global events. With a focus on Trump's leadership, Venezuelans' newfound freedom, and Elon Musk's political support, Gary celebrates faith, business, and resilience. Tune in for inspiration!.   Episode Highlights 00:00:31 - Optimism for America in 2026. 00:01:03 - TPUSA Amerifest event highlights. 00:02:09 - Venezuela's political transformation. 00:04:51 - Venezuelans' triumph and mass migration. 00:09:18 - Collectivism's historical failures. 00:10:07 - Elon Musk backs Republicans for 2028 midterms. 00:13:33 - Importance of tuning into personal faith. 00:14:29 - Ethical considerations in investments. 00:15:30 - Life lessons and sharing gifts. 00:17:10 - The power of adding value in life.   Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/  https://clientportal.paradigmlife.net/WealthView360   Keywords Gary's Gulch 2026 optimistic America TPUSA Charli

Summary  Kick off 2026 with a bang! Gary's Gulch welcomes Glenn Yaney, host of Capitalize Your Life Podcast. Explore the power of Infinite Banking and personal finance, as Glenn shares his journey to financial freedom and helping others gain control of their lives. Learn how to capitalize on your life for a prosperous future! #FinancialFreedom #GarysGulch #Podcast.   Episode Highlights 00:00:09 - Optimism for 2026: A Unique Year 00:01:09 - Glenn Yaney's Career Shift: Finding a Fitting Path 00:03:03 - Rebranding: Capitalize Your Life Podcast 00:05:11 - Personal Growth: From Military to Faith 00:10:00 - Financial Certainty Fuels Growth 00:13:46 - Infinite Banking: Securing Human Life Value 00:15:00 - Navigating Economic Challenges: Lessons from 2008 00:16:57 - SIPA Certification: Strategic Business Exit Plans 00:19:58 - The Importance of Preparedness: Luck and Opportunity 00:22:06 - Empowerment Through Financial Education 00:23:50 - Surrounding Yourself with Optimism: The Importance of Mentorship   Episode Resources https://www.youtube.com/watch?v=Z7NHaSJpxeI https://podcasts.apple.com/us/podcast/the-capitalizing-your-life-podcast/id1728886342 Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/  https://clientportal.paradigmlife.net/Wealt

Summary  🎙️ Tune in to Gary's Gulch for a festive episode featuring Dani Lynn Robison from Freedom Family Investments. Discover how Dani transitioned from music to real estate, the power of education, and practical insights on safer investing. Dive into the launch of the Freedom Family Academy—a hub for financial education and trust. Perfect for those eager to invest wisely in 2026! 🎄💼 #RealEstate #InvestSmart. Episode Highlights 01:21 - Reflection on a Better World 03:32- Control in Investing 04:37 - 10 Commandments of Investing 06:04 - Education: College vs. College of Life 07:33 - Hands-on Learning in Real Estate 10:55 - Starting in Real Estate During 2008 13:12 - Learning From Bad Deals 14:10 - Vetting Real Estate Partners 16:32 - Worst Deal Experiences 19:55 - Character in Challenging Times 21:10 - Who Do You Trust? 22:23 - Freedom Family Academy Overview 24:18 - Vision for Freedom Family Academy 27:13 - Importance of Education and Trust 30:10 - Financial Freedom and Liquidity 32:18 - Advisory Board and Education Network Episode Resources http://freedomfamilyinvestments.com/ Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/  https://clientportal.paradigmlife.net/WealthView360 Keywords Gary's Gulch

Summary  In this episode, Gary Skelts navigates a real estate setback as one of his properties in Memphis catches fire. While many would see disaster, Gary highlights the importance of active involvement in business, viewing this challenge as a learning opportunity. Explore leadership, risk, and why passive income can't replace active engagement. This conversation is a must-listen for those invested in real estate or contemplating the realities of passive income.. Episode Highlights 00:00:40 Turning real estate headaches into opportunities. 00:02:20 - Active business vs passive real estate. 00:03:32 - Delegation and leadership lessons. 00:05:23 - Real estate as a storehouse of wealth. 00:07:19 - Hard assets and inflation. 00:09:02 - The role of a bookkeeper in real estate management. 00:11:11 - Learning from property management and insurance testing. 00:12:16 - Executing property management decisions wisely. 00:16:02 - Insights on handling property challenges. 00:18:21 - Learning from setbacks for future growth.   Episode Resources The podcast transcript does not provide any specific mentions of books, websites, or tools that can be linked. It mainly contains discussions about personal experiences, property management, and real estate investment strategies, but does not refer to specific resources by name or URL.   Keywords real estate property management passive income investment strategy financial independence insurance claims property maintenance fire damage

In this episode I discuss the misconception that passive investing in real estate or in anything else is not a business; active participation in real estate is a business which just happens to be in the real estate industry. Gaining skills in how to run a business are incredibly beneficial to improving your Control, Mindset, Agency, and Legacy - marketing, sales, leadership, financials, taxes, innovation are truly valuable to learn and teach those that come behind you. AND they are essential to maintaining America and the world free for future generations.   Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/  https://clientportal.paradigmlife.net/WealthView360 Review, Subscribe and Share If you like what you hear please leave a review by clicking here   Make sure you're subscribed to the podcast so you get the latest episodes. Subscribe with Apple Podcasts Follow on Audible Subscribe with Listen Notes Subscribe with RSS

2026 on Gary's Gulch podcast will be dedicated to celebrating our 250th anniversary of the Great American Experiment - If you give citizens ownership over their life, liberty and property and design a government made up of the people and working for the people, they will prosper. Business ownership is fundamental to this premise. Nearly everyone in 1776 was a business owner, there was a need in the community and someone started a business to serve that need. We've gotten away from this with the industrial revolution and globalization (someone in China fills your need via Amazon). We must get back to honoring the value of businesses. Listen in to learn what's coming in '26!   Highlights 02:19 - Importance of freedom and personal agency. 04:49 - Divine guidance vs. worldly advice. 06:14 - Real estate vs. gold and silver. 07:52 - Scaling businesses vs. traditional wealth growth. 09:58 - Unique genius and business creation. 11:44 - Historical perspective on business ownership and community value. 12:08 - Critique of modern political figures and ethics. 13:55 - Lessons from early American settlers. 15:20 - Business ownership as a pathway to agency and legacy.   Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net

As promised in the last episode, I turn the tables on my client and fellow business owner Jen McAllister to explain how her team of CPAs and Accountants deliver everything for small to medium sized businesses. She's passionate about helping businesses clean up the books, get more tax efficient and grow. Listen in to see if this tremendous team is right for your business.   Highlights Preparing assets for sale Value by strategic design The role of family and business in the U.S. Evolving with client needs Year-round business immersion Bookkeeping vs. strategy Financials: not just numbers When to bring in external help Scaling with flexible teams The importance of exit planning Helping businesses grow up Maintaining quality of life in ownership Hiring strategically for growth   Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/