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When tragedy strikes in the construction industry, it's rarely just business. With the highest insolvency rates of any UK sector, construction failures devastate families, destroy homes, and break marriages. Every working day, two construction workers take their own lives—a rate four times the national average.

Behind these statistics lies a broken payment culture that systematically forces companies into financial distress. After hearing about an electrical subcontractor whose business collapse led to family devastation despite doing quality work and following the rules, Jarvie Moss knew something had to change. That story sparked the creation of Sable, a fintech solution transforming how money flows through construction projects.

Sable's approach combines dedicated project bank accounts with legal trust structures and a revolutionary parallel payment system. Rather than money moving sequentially through the supply chain—creating vulnerability at every step—their system ensures simultaneous payments to all parties. This eliminates the incentive for payment disputes and protects subcontractors when companies higher in the chain experience difficulties.

The conversation extends beyond payment solutions to explore broader industry challenges. With over 90% of construction businesses being SMEs, they face extraordinary pressures from uncertain planning systems, constantly shifting regulations, and high-risk development processes. The dramatic decline in SME developers over recent decades highlights how challenging the environment has become, threatening the diversity and resilience of the housing market.

What becomes clear is that while government policy matters, commercial solutions that align incentives and reward ethical behavior can drive immediate positive change. By protecting cash flow and ensuring fair payment practices, innovations like project bank accounts could help reverse the industry's troubling insolvency statistics and save countless livelihoods.

Ready to explore how project bank accounts could transform your construction project's financial health? Visit sable.co.uk to learn more about this revolutionary approach to secure payments.

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Sid Mohasseb, a dynamic entrepreneur, educator, and investor, joins me for an enlightening conversation on Bustin' Beyond. Through Sid's journey, we unravel the myth of effortless success and underscore the powerful lessons failure teaches in the world of entrepreneurship. From the undervalued potential in industries like construction to the deceptive allure of quick wins, we explore how true business success requires motivation, self-awareness, and a willingness to embrace change.

Together, Sid and I explore the transformative effects of change and motivation as drivers of personal and societal growth. We consider the dual nature of AI—its disruptive potential and capacity for innovation—and argue that embracing periods of chaos can lead to incredible growth. Our dialogue extends to the role of fear in leadership, revealing it as a crucial alert system rather than a weakness. We also examine the impacts of social media on mental health, advocating for personal fulfilment over societal validation.

As we reflect on modern capitalism's pitfalls, Sid and I critique its shift away from the classic risk-and-reward model. We discuss the need for change in healthcare systems, pointing out inefficiencies and advocating for state-provided healthcare as a basic right. Throughout the episode, we highlight stories of seizing opportunities with discernment, the importance of patience, and a balanced approach to societal support. Join us as we dissect these complex themes, offering insights that challenge conventional narratives and inspire thoughtful reflection.

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What if your toughest struggles could become your greatest triumphs? Join us for an inspiring conversation with Kevin Palmieri, the founder and host of Next Level University, as he shares his journey from working at a gas station to becoming a successful podcaster and coach. Kevin's candid discussion on overcoming self-doubt, imposter syndrome, and the relentless pursuit of self-improvement offers valuable insights for anyone facing adversity. Additionally, I open up about my own battles with imposter syndrome and how they've shaped my life and career.

Have you ever felt that outward success doesn't always bring inner happiness? We tackle this profound topic by sharing a journey that starts with disappointment at not getting a warehouse job, moves through various careers as a truck driver, firefighter, and weatherization expert, and eventually leads to increased anxiety and depression despite financial success. Reflecting on personal struggles, failed relationships, and the realization that true fulfillment lies beyond material gains, we offer a nuanced perspective on the importance of mental well-being and genuine connections.

Success and failure, two sides of the same coin, deeply influence our lives in ways we often overlook. Through personal anecdotes and meaningful reflections, we explore the contrast between my own struggles with motivation and my business partner's ease in achieving goals but difficulty in maintaining relationships. We also touch on the impact of personal loss on empathy, the significance of celebrating small victories, and moving past failures quickly. From the story of Tom from MySpace finding fulfillment as a photographer to the joy of giving and societal judgments tied to money, this episode is a heartfelt exploration of life's complexities and the pursuit of genuine happiness.