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			<title>Advisor</title>
			<pubDate><![CDATA[Wed, 25 Mar 2026 20:35:41 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/the-storm-series-when-systems-start-moving-together/]]></guid>
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			<title>The Storm Series: When Systems Start Moving Together</title>
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			<title>Private Credit Looks Stable Until It Doesn’t</title>
			<pubDate><![CDATA[Wed, 25 Mar 2026 19:17:12 +0000]]></pubDate>
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			<title>The Storm Series: When Climate Reprices Credit</title>
			<pubDate><![CDATA[Wed, 25 Mar 2026 19:16:12 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/why-credit-risk-is-changing-faster-than-models-can-keep-up/]]></guid>
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			<title>Why Credit Risk Is Changing Faster Than Models Can Keep Up</title>
			<pubDate><![CDATA[Wed, 25 Mar 2026 19:15:55 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/economic-ghost-stories-fallacies-haunting-your-financial-decisions/]]></guid>
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			<title>Economic Fallacies: Ghost Stories and Market Myths Steering Real Estate Decisions Off Course</title>
			<pubDate><![CDATA[Wed, 25 Mar 2026 19:15:23 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/the-affordable-housing-crisis-is-being-fueled-by-forces-no-one-is-talking-about/]]></guid>
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			<title>The Affordable Housing Crisis Is Being Fueled by Forces No One Is Talking About</title>
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			<title>DD Podcast-Episode-55</title>
			<pubDate><![CDATA[Wed, 25 Mar 2026 18:23:55 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/climate-finance-is-redefining-what-banks-actually-do/]]></guid>
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			<title>Climate Finance Is Redefining What Banks Actually Do</title>
			<pubDate><![CDATA[Wed, 18 Mar 2026 19:43:42 +0000]]></pubDate>
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			<pubDate><![CDATA[Wed, 18 Mar 2026 19:17:29 +0000]]></pubDate>
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			<pubDate><![CDATA[Fri, 13 Mar 2026 17:00:48 +0000]]></pubDate>
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			<title>DD Podcast-Episode-51</title>
			<pubDate><![CDATA[Wed, 11 Mar 2026 21:26:01 +0000]]></pubDate>
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			<pubDate><![CDATA[Wed, 11 Mar 2026 19:15:07 +0000]]></pubDate>
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			<pubDate><![CDATA[Wed, 11 Mar 2026 09:46:41 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/march-4-2026-bill-bymel-debt-doctor-private-credit/]]></guid>
			<link><![CDATA[https://billbymel.com/march-4-2026-bill-bymel-debt-doctor-private-credit/]]></link>
			<title>DD Podcast-Episode-50</title>
			<pubDate><![CDATA[Wed, 04 Mar 2026 20:40:28 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://billbymel.com/reverse-mortgages-deserve-a-second-look/]]></guid>
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			<title>Reverse Mortgages Deserve a Second Look</title>
			<pubDate><![CDATA[Thu, 26 Feb 2026 00:03:15 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/february-25-2026-bill-bymel-debt-doctor-with-laura-phillips-home-equity/]]></guid>
			<link><![CDATA[https://billbymel.com/february-25-2026-bill-bymel-debt-doctor-with-laura-phillips-home-equity/]]></link>
			<title>DD Podcast-Episode-49</title>
			<pubDate><![CDATA[Wed, 25 Feb 2026 23:21:44 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/april-1-2026-bill-bymel-debt-doctor-the-storm-convergence/]]></guid>
			<link><![CDATA[https://billbymel.com/april-1-2026-bill-bymel-debt-doctor-the-storm-convergence/]]></link>
			<title>DD Podcast-Episode-56</title>
			<pubDate><![CDATA[Wed, 01 Apr 2026 21:21:39 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://billbymel.com/inside-todays-cmbs-negotiations/]]></guid>
			<link><![CDATA[https://billbymel.com/inside-todays-cmbs-negotiations/]]></link>
			<title>Inside Today&#8217;s CMBS Negotiations</title>
			<pubDate><![CDATA[Wed, 18 Feb 2026 22:51:00 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://billbymel.com/commercial-real-estate-risk-is-compounding-beneath-the-surface/]]></guid>
			<link><![CDATA[https://billbymel.com/commercial-real-estate-risk-is-compounding-beneath-the-surface/]]></link>
			<title>Commercial Real Estate Risk Is Compounding Beneath the Surface</title>
			<pubDate><![CDATA[Wed, 18 Feb 2026 22:48:53 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://billbymel.com/february-18-2026-bill-bymel-debt-doctor-with-mendy-pollack-commercial-real-estate-risk/]]></guid>
			<link><![CDATA[https://billbymel.com/february-18-2026-bill-bymel-debt-doctor-with-mendy-pollack-commercial-real-estate-risk/]]></link>
			<title>DD Podcast-Episode-48</title>
			<pubDate><![CDATA[Wed, 18 Feb 2026 22:05:33 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/the-allure-and-arithmetic-of-distressed-aircraft/]]></guid>
			<link><![CDATA[https://billbymel.com/the-allure-and-arithmetic-of-distressed-aircraft/]]></link>
			<title>The Allure and Arithmetic of Distressed Aircraft</title>
			<pubDate><![CDATA[Wed, 11 Feb 2026 19:59:37 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/february-11-2026-bill-bymel-debt-doctor-with-david-coleman-distressed-aircraft/]]></guid>
			<link><![CDATA[https://billbymel.com/february-11-2026-bill-bymel-debt-doctor-with-david-coleman-distressed-aircraft/]]></link>
			<title>DD Podcast-Episode-47</title>
			<pubDate><![CDATA[Wed, 11 Feb 2026 18:56:25 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/clo-risk-could-define-the-next-credit-cycle/]]></guid>
			<link><![CDATA[https://billbymel.com/clo-risk-could-define-the-next-credit-cycle/]]></link>
			<title>CLO Risk Could Define the Next Credit Cycle</title>
			<pubDate><![CDATA[Wed, 04 Feb 2026 23:06:09 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/february-4-2026-bill-bymel-debt-doctor-collateralized-loan-obligations/]]></guid>
			<link><![CDATA[https://billbymel.com/february-4-2026-bill-bymel-debt-doctor-collateralized-loan-obligations/]]></link>
			<title>DD Podcast-Episode-46</title>
			<pubDate><![CDATA[Wed, 04 Feb 2026 22:45:35 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/what-loan-servicing-reveals-over-time/]]></guid>
			<link><![CDATA[https://billbymel.com/what-loan-servicing-reveals-over-time/]]></link>
			<title>What Loan Servicing Reveals Over Time</title>
			<pubDate><![CDATA[Wed, 17 Dec 2025 21:44:34 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/january-28-2026-bill-bymel-debt-doctor-with-michael-cohen-cmbs/]]></guid>
			<link><![CDATA[https://billbymel.com/january-28-2026-bill-bymel-debt-doctor-with-michael-cohen-cmbs/]]></link>
			<title>DD Podcast-Episode-45</title>
			<pubDate><![CDATA[Thu, 29 Jan 2026 00:11:12 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://billbymel.com/extend-and-pretend-is-a-strategy-not-a-stall/]]></guid>
			<link><![CDATA[https://billbymel.com/extend-and-pretend-is-a-strategy-not-a-stall/]]></link>
			<title>Extend and Pretend Is a Strategy, Not a Stall</title>
			<pubDate><![CDATA[Thu, 22 Jan 2026 22:08:10 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/january-21-2026-bill-bymel-debt-doctor-extend-and-pretend/]]></guid>
			<link><![CDATA[https://billbymel.com/january-21-2026-bill-bymel-debt-doctor-extend-and-pretend/]]></link>
			<title>DD Podcast-Episode-44</title>
			<pubDate><![CDATA[Thu, 22 Jan 2026 18:53:00 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://billbymel.com/the-discipline-of-listening/]]></guid>
			<link><![CDATA[https://billbymel.com/the-discipline-of-listening/]]></link>
			<title>The Discipline of Listening</title>
			<pubDate><![CDATA[Wed, 31 Dec 2025 18:19:27 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/december-31-2025-bill-bymel-debt-doctor-storm/]]></guid>
			<link><![CDATA[https://billbymel.com/december-31-2025-bill-bymel-debt-doctor-storm/]]></link>
			<title>DD Podcast-Episode-41</title>
			<pubDate><![CDATA[Wed, 31 Dec 2025 18:04:57 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/cmbs-loan-maturities-are-forcing-real-decisions/]]></guid>
			<link><![CDATA[https://billbymel.com/cmbs-loan-maturities-are-forcing-real-decisions/]]></link>
			<title>CMBS Loan Maturities are Forcing Real Decisions</title>
			<pubDate><![CDATA[Wed, 07 Jan 2026 22:59:32 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://billbymel.com/january-7-2026-bill-bymel-debt-doctor-with-michael-cohen-cmbs-loan-maturities/]]></guid>
			<link><![CDATA[https://billbymel.com/january-7-2026-bill-bymel-debt-doctor-with-michael-cohen-cmbs-loan-maturities/]]></link>
			<title>DD Podcast-Episode-42</title>
			<pubDate><![CDATA[Wed, 07 Jan 2026 22:16:45 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/financial-freedom-requires-ownership-not-optimization/]]></guid>
			<link><![CDATA[https://billbymel.com/financial-freedom-requires-ownership-not-optimization/]]></link>
			<title>Financial Freedom Requires Ownership, Not Optimization</title>
			<pubDate><![CDATA[Thu, 15 Jan 2026 01:45:51 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://billbymel.com/december-24-2025-bill-bymel-debt-doctor-listening/]]></guid>
			<link><![CDATA[https://billbymel.com/december-24-2025-bill-bymel-debt-doctor-listening/]]></link>
			<title>DD Podcast-Episode-40</title>
			<pubDate><![CDATA[Fri, 26 Dec 2025 23:35:41 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/december-17-2025-bill-bymel-debt-doctor-with-david-pollio-loan-servicing/]]></guid>
			<link><![CDATA[https://billbymel.com/december-17-2025-bill-bymel-debt-doctor-with-david-pollio-loan-servicing/]]></link>
			<title>DD Podcast-Episode-39</title>
			<pubDate><![CDATA[Thu, 18 Dec 2025 22:04:31 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/intriguing-real-estate-trends-creating-a-structural-shift/]]></guid>
			<link><![CDATA[https://billbymel.com/intriguing-real-estate-trends-creating-a-structural-shift/]]></link>
			<title>Intriguing Real Estate Trends Creating a Structural Shift</title>
			<pubDate><![CDATA[Wed, 10 Dec 2025 21:01:55 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://billbymel.com/january-14-2025-bill-bymel-debt-doctor-with-russ-morgan-financial-freedom/]]></guid>
			<link><![CDATA[https://billbymel.com/january-14-2025-bill-bymel-debt-doctor-with-russ-morgan-financial-freedom/]]></link>
			<title>DD Podcast-Episode-43</title>
			<pubDate><![CDATA[Thu, 15 Jan 2026 01:56:05 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/december-10-2025-bill-bymel-debt-doctor-with-chaz-guinn-real-estate-trends/]]></guid>
			<link><![CDATA[https://billbymel.com/december-10-2025-bill-bymel-debt-doctor-with-chaz-guinn-real-estate-trends/]]></link>
			<title>DD Podcast-Episode-38</title>
			<pubDate><![CDATA[Wed, 10 Dec 2025 20:46:28 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/bank-deceptive-practices-reshaping-the-financial-system/]]></guid>
			<link><![CDATA[https://billbymel.com/bank-deceptive-practices-reshaping-the-financial-system/]]></link>
			<title>Bank Deceptive Practices Reshaping the Financial System</title>
			<pubDate><![CDATA[Wed, 03 Dec 2025 21:41:27 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://billbymel.com/december-3-2025-bill-bymel-debt-doctor-with-bill-moreland-bank-deceptive-practices/]]></guid>
			<link><![CDATA[https://billbymel.com/december-3-2025-bill-bymel-debt-doctor-with-bill-moreland-bank-deceptive-practices/]]></link>
			<title>DD Podcast-Episode-37</title>
			<pubDate><![CDATA[Wed, 03 Dec 2025 21:26:33 +0000]]></pubDate>
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			<guid><![CDATA[https://billbymel.com/the-global-debt-squeeze-and-the-future-of-affordability/]]></guid>
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			<title>The Global Debt Squeeze and the Future of Affordability</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 04:13:44 +0000]]></pubDate>
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