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  <title>Changing Circumstances</title>

  <lastBuildDate>Wed, 13 May 2026 14:26:49 -0700</lastBuildDate>
  <link>https://bytesoftware.com/changing-circumstances-podcast/</link>
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  <copyright>© 2026 Changing Circumstances</copyright>
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  <itunes:author>Bobby Palmer</itunes:author>
  <itunes:type>episodic</itunes:type>
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  <description><![CDATA[<p>Changing Circumstances is the candid conversation series for leaders who never stop learning. Tune in for conversations with entrepreneurs, business leaders, and lifelong learners to unpack how they changed their circumstances to build their careers, the decisions that shaped them, and the frameworks they use to tackle today’s toughest challenges. You’ll hear how modern leaders leverage technology—from AI to automation—to move faster and smarter, and how they navigate the human side of leadership: culture, hiring, resilience, and growth.</p><p><br></p><p>Many guests come from the mortgage and financial services world, but the lessons travel well—whether you’re launching your first venture or running a national brand. Expect practical playbooks, hard-won stories, and moments of real talk you won’t find on a panel.</p><p><br></p><p>If you’re committed to sharpening your business mindset and enjoy unique stories of personal and professional success, Changing Circumstances belongs in your weekly routine.</p>]]></description>
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  <itunes:keywords>business, entrepreneurship, mortgage, technology, leadership, culture, growth, career, financial services</itunes:keywords>
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    <itunes:name>Bobby Palmer</itunes:name>
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     <title>Changing Circumstances</title>
     <link>https://bytesoftware.com/changing-circumstances-podcast/</link>
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    <itunes:title>Paul Akinmade - Chief Strategy Officer, CMG Financial</itunes:title>
    <title>Paul Akinmade - Chief Strategy Officer, CMG Financial</title>
    <itunes:summary><![CDATA[In this episode of the *Changing Circumstances* podcast, Paul Akinmade shares how CMG Financial has built a culture that fuels innovation, growth, and rapid AI adoption from the inside out. Paul discusses how CMG’s leadership actively encourages direct feedback and real-world collaboration, especially from loan officers, to better understand customer needs, uncover opportunities, and continuously improve the business. He also explains why culture, not just technology alone, is the real compet...]]></itunes:summary>
    <description><![CDATA[<p>In this episode of the *Changing Circumstances* podcast, Paul Akinmade shares how CMG Financial has built a culture that fuels innovation, growth, and rapid AI adoption from the inside out. Paul discusses how CMG’s leadership actively encourages direct feedback and real-world collaboration, especially from loan officers, to better understand customer needs, uncover opportunities, and continuously improve the business. He also explains why culture, not just technology alone, is the real competitive advantage and how employee passion and curiosity can become powerful drivers of innovation and adoption.<br/><br/>The conversation dives deep into the future of AI in business strategy, including how organizations can move beyond isolated AI tools and create enterprise-wide adoption that actually scales. Paul shares practical insights on building internal advocacy, identifying passionate early adopters, balancing human expertise with automation, and creating systems that make employees smarter and faster rather than replacing them. Packed with real-world examples, from AI-powered development workflows to custom-built voice agents and gamified employee coaching, this episode offers business leaders a compelling roadmap for turning AI into a growth engine while strengthening company culture at the same time.<br/><br/></p>]]></description>
    <content:encoded><![CDATA[<p>In this episode of the *Changing Circumstances* podcast, Paul Akinmade shares how CMG Financial has built a culture that fuels innovation, growth, and rapid AI adoption from the inside out. Paul discusses how CMG’s leadership actively encourages direct feedback and real-world collaboration, especially from loan officers, to better understand customer needs, uncover opportunities, and continuously improve the business. He also explains why culture, not just technology alone, is the real competitive advantage and how employee passion and curiosity can become powerful drivers of innovation and adoption.<br/><br/>The conversation dives deep into the future of AI in business strategy, including how organizations can move beyond isolated AI tools and create enterprise-wide adoption that actually scales. Paul shares practical insights on building internal advocacy, identifying passionate early adopters, balancing human expertise with automation, and creating systems that make employees smarter and faster rather than replacing them. Packed with real-world examples, from AI-powered development workflows to custom-built voice agents and gamified employee coaching, this episode offers business leaders a compelling roadmap for turning AI into a growth engine while strengthening company culture at the same time.<br/><br/></p>]]></content:encoded>
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    <itunes:author>Bobby Palmer</itunes:author>
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    <pubDate>Wed, 13 May 2026 14:00:00 -0700</pubDate>
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  <psc:chapter start="0:00" title="Introduction to Paul Akinmade and His Journey" />
  <psc:chapter start="2:02" title="The CMG Foundation and Its Impact" />
  <psc:chapter start="4:36" title="Creating a Positive Workplace Culture at CMG" />
  <psc:chapter start="9:50" title="AI Integration in the Mortgage Industry" />
  <psc:chapter start="9:50" title="Celebrating 10 Years with $10k Donation" />
  <psc:chapter start="11:52" title="CMG AI Overview" />
  <psc:chapter start="14:37" title="Implementing AI in Your Organization" />
  <psc:chapter start="16:34" title="Prioritizing AI Projects and Development" />
  <psc:chapter start="19:22" title="Building Trust to Increase AI Adoption" />
  <psc:chapter start="21:20" title="Maintaining a Thinking Organization" />
  <psc:chapter start="23:46" title="Navigating the Speed of Change in Product Engineering" />
  <psc:chapter start="27:37" title="The Future of Education and Career Paths in AI" />
  <psc:chapter start="31:34" title="Using AI to Enhance Employee Curiosity and Intellect" />
  <psc:chapter start="35:50" title="Building Internal Advocacy for AI Adoption" />
  <psc:chapter start="43:04" title="The Partnership Between Byte and CMG" />
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    <itunes:duration>2915</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
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    <itunes:title>Dan Habib: Co-Founder of MBS Highway</itunes:title>
    <title>Dan Habib: Co-Founder of MBS Highway</title>
    <itunes:summary><![CDATA[In episode 2, Bobby and Mike explore blending business and family with guest Dan Habib. Hear Dan's amazing journey as he carved out his own identity and personal success through discipline, consistent hard work, and some tough life lessons. Growing up as the son of an industry icon, Dan learned firsthand that there is no substitute for hard work and shares valuable life lessons learned on his path to success, as well as his current challenge of being a new father.  The discussion dives into b...]]></itunes:summary>
    <description><![CDATA[<p>In episode 2, Bobby and Mike explore blending business and family with guest Dan Habib. Hear Dan&apos;s amazing journey as he carved out his own identity and personal success through discipline, consistent hard work, and some tough life lessons. Growing up as the son of an industry icon, Dan learned firsthand that there is no substitute for hard work and shares valuable life lessons learned on his path to success, as well as his current challenge of being a new father.<br/><br/>The discussion dives into business lessons including overcoming failure, pivoting to continue growth, working with family, and the importance of upholding family traditions...especially when it involves holiday beef wellington. <br/><br/>This episode also includes a market update from David Lykken, host of the weekly podcast Lykken on Lending.</p>]]></description>
    <content:encoded><![CDATA[<p>In episode 2, Bobby and Mike explore blending business and family with guest Dan Habib. Hear Dan&apos;s amazing journey as he carved out his own identity and personal success through discipline, consistent hard work, and some tough life lessons. Growing up as the son of an industry icon, Dan learned firsthand that there is no substitute for hard work and shares valuable life lessons learned on his path to success, as well as his current challenge of being a new father.<br/><br/>The discussion dives into business lessons including overcoming failure, pivoting to continue growth, working with family, and the importance of upholding family traditions...especially when it involves holiday beef wellington. <br/><br/>This episode also includes a market update from David Lykken, host of the weekly podcast Lykken on Lending.</p>]]></content:encoded>
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    <itunes:author>Bobby Palmer</itunes:author>
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    <pubDate>Mon, 08 Dec 2025 16:00:00 -0800</pubDate>
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  <psc:chapter start="0:19" title="Episode Two Introduction" />
  <psc:chapter start="4:44" title="Lykken Market Update" />
  <psc:chapter start="6:42" title="Technology Adoption Challenges" />
  <psc:chapter start="9:11" title="Dan Habib Interview Start" />
  <psc:chapter start="10:02" title="Spartan Race with MBS Highway" />
  <psc:chapter start="12:51" title="Prepping for Morning Updates" />
  <psc:chapter start="16:27" title="Value of Just Starting" />
  <psc:chapter start="19:24" title="Value of Morning Routines and Discipline" />
  <psc:chapter start="22:57" title="Learning Tough Lessons" />
  <psc:chapter start="29:15" title="Take Advantage of Opportunities" />
  <psc:chapter start="30:45" title="Pivoting in Business" />
  <psc:chapter start="33:46" title="The Joy of Fatherhood" />
  <psc:chapter start="37:42" title="Balancing Work and Family Life" />
  <psc:chapter start="40:33" title="Famous Beef Wellington and Family Traditions" />
  <psc:chapter start="44:27" title="Working with Family: The Dynamics" />
  <psc:chapter start="46:43" title="Building a Legacy in the Mortgage Industry" />
  <psc:chapter start="48:40" title="Navigating the Crypto Landscape" />
  <psc:chapter start="51:00" title="Making Your Own Mark as the Son of a Legend" />
  <psc:chapter start="53:12" title="Keys to Success and Personal Growth" />
  <psc:chapter start="57:28" title="Wrapping Up with Bobby &amp; Mike" />
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    <itunes:duration>3828</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
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    <itunes:title>Eric Levin: Co-Founder of Model Match</itunes:title>
    <title>Eric Levin: Co-Founder of Model Match</title>
    <itunes:summary><![CDATA[Fantastic discussion with Eric Levin, co-founder and EVP of Model Match. Bobby and Mike discuss what led him to start a professional soccer team in his hometown of Hickory, North Carolina and the business lessons learned from that venture. We dive more into his business background on topics including creating cultures, overcoming failure, business leadership, and growing a technology company in today's environment.  Also, get to know Changing Circumstances hosts, and long time friends, B...]]></itunes:summary>
    <description><![CDATA[<p>Fantastic discussion with Eric Levin, co-founder and EVP of Model Match. Bobby and Mike discuss what led him to start a professional soccer team in his hometown of Hickory, North Carolina and the business lessons learned from that venture. We dive more into his business background on topics including creating cultures, overcoming failure, business leadership, and growing a technology company in today&apos;s environment. </p><p>Also, get to know Changing Circumstances hosts, and long time friends, Bobby Palmer, VP of Marketing at Byte Software and Mike Moorhouse, owner of the Moorhouse Group consulting firm. </p>]]></description>
    <content:encoded><![CDATA[<p>Fantastic discussion with Eric Levin, co-founder and EVP of Model Match. Bobby and Mike discuss what led him to start a professional soccer team in his hometown of Hickory, North Carolina and the business lessons learned from that venture. We dive more into his business background on topics including creating cultures, overcoming failure, business leadership, and growing a technology company in today&apos;s environment. </p><p>Also, get to know Changing Circumstances hosts, and long time friends, Bobby Palmer, VP of Marketing at Byte Software and Mike Moorhouse, owner of the Moorhouse Group consulting firm. </p>]]></content:encoded>
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    <itunes:author>Bobby Palmer</itunes:author>
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    <pubDate>Mon, 13 Oct 2025 14:00:00 -0700</pubDate>
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  <psc:chapter start="0:54" title="What is Changing Circumstances About?" />
  <psc:chapter start="5:46" title="About Bobby Palmer and Mike Moorhouse" />
  <psc:chapter start="9:18" title="Start of Eric Levin Interview" />
  <psc:chapter start="13:39" title="Starting Hickory FC Professional Football Team" />
  <psc:chapter start="18:22" title="Running Hickory FC vs Running Business" />
  <psc:chapter start="22:38" title="How Leaders Stay Calm During Chaos" />
  <psc:chapter start="29:41" title="Overcoming Failure to Move Forward" />
  <psc:chapter start="34:09" title="How to Get Unstuck in Business or Life" />
  <psc:chapter start="37:25" title="Model Match: Using Tech in a Very Human Space" />
  <psc:chapter start="40:12" title="Tech is Not a Substitute for Hard Work" />
  <psc:chapter start="42:54" title="Laziness or Poor Process Isn&#39;t Generational" />
  <psc:chapter start="47:23" title="Motivation Concerns with Compensation Models" />
  <psc:chapter start="48:40" title="Borrower Insights for Recruiting &amp; Sales Success" />
  <psc:chapter start="56:15" title="Stop &quot;Recruiting&quot; to Grow Your Business" />
  <psc:chapter start="1:01:39" title="&quot;Doing the Next Thing&quot; for Success" />
  <psc:chapter start="1:04:13" title="First Step to Building Culture" />
  <psc:chapter start="1:06:20" title="Stick with Your Process" />
  <psc:chapter start="1:08:27" title="People Join People. People Leave People. " />
  <psc:chapter start="1:10:34" title="It&#39;s Ok to Ask For Help." />
  <psc:chapter start="1:13:51" title="Bobby and Mike Wrap Up" />
  <psc:chapter start="1:16:08" title="Managing Little League / Public Dance Off" />
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    <itunes:duration>4754</itunes:duration>
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