Podcasts about ai robots

Keith welcomes back Todd Drowlette, star of A&E's The Real Estate Commission, to help demystify commercial real estate for residential investors.  They explore which sectors are most resilient to disruption from AI, automation, and Amazon, why certain office and warehouse assets still work, and how service-based retail like nail salons and quick-service restaurants can offer durable returns.  Todd breaks down the basics and advantages of triple net (NNN) leases, key considerations in office-to-residential conversions, and how rising interest rates are reshaping commercial deals.  He also shares negotiation tactics from large commercial transactions that investors can immediately apply to their next rental property purchase. Episode Page: GetRichEducation.com/616 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. We're talking with the star of the A&E show, the Real Estate Commission today. What real estate sectors are safe from AI, robots, and Amazon disruption? How many deals on the commercial side are still going to implode due to mortgage rates resetting higher? And some of the best negotiation techniques from $100 million deals that you can use in your own deals, and more today on Get Rich Education. You know, Mid South Homebuyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties. It's an executive coach. For nine years now, their CEO Terry Kerr and his COO Pat Nix have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners, his name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one-on-one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to DanielThomashHind.com. H-I-N-D. That's DanielThomashHind.com and sign up before spots fill. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056 They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Speaker 1  2:19   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  2:35   Welcome to GRE from Peoria, Illinois to Peoria, Arizona, and across 188 world nations. I'm Keith Weinhold, and you're listening to Get Rich Education. Though we're a show centered on how to build wealth through residential real estate investing, today we're talking mostly about the commercial side with a guest that's more comfortable investing in commercial real estate than he is residential. We'll learn why. He is the star of the new real estate show called the Real Estate Commission that airs on A&E Network. Todd Drowlette, because he was here with us last year shortly before the show debuted, and he had so many interesting things to tell us then. That's why he's back. Now we know that residential real estate is positioned well at surviving the boom in artificial intelligence's influence because everybody still needs a place to live. You can't download a kitchen or living room, and a chatbot can't replace a roof. But some types of commercial real estate are vulnerable to AI. I'm going to ask Todd which types and businesses are the most resilient to survive AI, robots, and Amazon, because there surely are some. He does a good job of making commercial real estate approachable to those that have never invested in it before.   Keith Weinhold  3:59   Contrary to the narrative, he also likes to talk about why office real estate is not dead. Occupying both worlds, I will ask him about office to residential conversions and also get his take on what is happening with commercial loans because apartment investors have been feeling the pain ever since mortgage rates doubled and nearly tripled in 2022. I'll ask about commercial loans blowing up and just how much more of that is expected to happen because the pain is certainly not over there. Let's meet this week's guest. A series on A and E Television and streaming launched last year called The Real Estate Commission, and it's going well enough that it's gearing up for season two. The star of that show is with us today. He was with us last year just before the show debuted, and that's when he shared all kinds of interesting insights with us, like why. A gas station is on a certain side of the road. He's perhaps the most prolific commercial real estate broker in the nation. He's managing director at Titan Commercial Realty Group in New York, closing deals totaling over $2 billion all across commercial real estate sectors. He's represented everyone from local startups to national reits. Hey, welcome back to Get Rich Education, Todd Drowlette.   Todd Drowlette  5:26   Thank you so much for having me back. I appreciate it. It's always great to talk to you.   Keith Weinhold  5:30   Yeah, same. It was so interesting when you were here last year, and I do want to ask you about how it's going with the A and E show later. Most of our listeners own single family rentals or small multifamily, and I think the commercial side, Todd. Frankly, it it intimidates some people. I know I've thought of it that way before. What are some of the misconceptions that the residential side seems to have about the commercial side?   Todd Drowlette  5:56   So a big misconception is that you have to be smart to do it. You certainly do not. A lot of people also think you have to already be a multimillionaire to do it, right? So the same way with residential, there's levels to it. There's levels to commercial real estate. So I say there's pros and cons, right? So in commercial real estate, if you have an office building or a shopping center or a ground lease, you rent to a McDonald's, whatever. You don't get phone calls at two in the morning saying my hot water tank just exploded, my furnace isn't working. So you still get property management calls, but they're typically from you know Monday through Friday, nine to five type of thing, and you don't need millions of dollars. People think you do. It's like you can buy a small two or three tenant office building or a two or three tenant retail shopping center, maybe something has a nail salon, hair salon in it. Depending on the market you're in, that could be a couple $100,000 to buy. If you're in a tertiary town in the United States, if you're in a major metro, it could be a million, 2  million bucks. But the rent is commiserate with what you're paying. So if you can make an 8 or 10% return, a lot of banks will finance startup people as long they're looking in commercial at the quality of the tenant and what the lease is. So you could have no experience, but if you're going to rent to a Hertz rental car, a Starbucks, a McDonald's, even if you personally have like say a 750 credit score, it's decent. It's not a perfect credit score, but you're financeable. They're lending in commercial real estate based on the credit and the length of the leases, not necessarily on your own financials. And a lot of people don't realize that, and they think, "Oh, bank's never going to approve me because I've never done commercial real estate before. Well, nobody's ever done anything until they do it, right? So as long as you start small, banks will lend to people, you know, on smaller things, there's a ton of pros to being in commercial real estate compared to residential. There's less competition. It's easier to repeat deals because once you know one tenant's looking for something, then you can find the next thing they're looking for, and it's a small knit group. You know, if there's 3 million real estate agents in the United States, I would say across the entire country, maybe 10,000 of us are commercial real estate agents.   Keith Weinhold  8:05   Yeah.   Todd Drowlette  8:06   So if you get into commercial, once you get into that network of people with a deal with the tenants and the whatever, you know, if you're in, you're in. If you're out, you're out. That was a very long answer to a very short question.   Keith Weinhold  8:16   Well, some people even have one of the same hangups about residential real estate investing-they think just to buy income property takes an awful lot of money, not realizing you can start with a single-family home of less than 300k or even less than 200k still today and make a small down payment on it. And you know, Todd, I think one thing that refines commercial real estate for some people and piques interest among residential investors is one of the first things that they learn when they're finding out about commercial real estate investing is the triple net lease. Oftentimes, you see that abbreviated NNN out there, and how that can make things somewhat more hands off for that commercial real estate investor. So, can you tell us about triple net leases?   Todd Drowlette  9:00   I sure can. Number one, the funny thing about triple net leases: none of the three things the N's represent start with an N. So your triple nets are literally your real estate taxes, your insurance, and your commonary maintenance. None of which start with an N. Yet it's called N N N.   Keith Weinhold  9:14   It's kind of like reading, writing, and arithmetic. The 3r is what only one of them starts with an R. It's a terrible acronym, but yes.   Todd Drowlette  9:22   Exactly. So there's different types of triple net properties. So essentially, a triple net property, unlike most residential, where you're responsible, you get X amount of rent, and then out of that rent for your income, you're going to subtract out your school tax, your property tax, your property insurance, liability insurance, you know, snow plowing, lawn mowing, all that type of stuff, right? So triple net properties, you have absolute net properties, which is the best thing you can own from a landlord's perspective. Those are things that are called absolute ground leases or an absolute net lease. Typically, you'll see those in like many gas stations. Will be that a lot of McDonald's. Deals are that where essentially you own a piece of property, you buy a piece of property, and you go here. You have X amount of time to put your building up, do construction, get your approvals. You're going to pay me X per month in a ground rent. You build your own building, you own your own building, you're responsible for it, and I just own the dirt. And those are typically 10 to 20 year leases with options. The downside of a triple net ground lease is you can't depreciate anything because it's just ground, right? So you don't get the depreciation you get with other properties, but you have no risk other than the credit of the tenant. So if you're signing a lease with the United States Postal Service and it's the federal government, you know you're getting that. Those will trade typically about one percentage point higher than U.S. Treasuries because there's very, very little risk in it. But there is some risk, so as an investor, you need a little bit better return than the guarantee of a U.S. Treasury.   Todd Drowlette  10:54   Then you have roof and structure triple net properties, where basically, okay, the roof and the structure I'm responsible for as the landlord. Anything inside of that, or you're responsible for, and then the tenants pay the proportionate share of, like I said, the taxes, the snow plowing, whatever. If that's a multi-tenant building, then you run the risk. Oh, tenant moves out as the landlord, you got to pick up that percentage. If if you have a 10,000 foot building and someone's in 2000 feet and they move out, well, now you're responsible for 20% of that tax and CAM and insurance bill until you replace it with a new tenant. But typically, if you're investing in small strip centers, smaller office buildings, which people say office is dead, I've made a fortune in office. Office is not dead. You just have to own the right office in the right place. A lot of downtown offices are dead, where they're moving to the suburbs for drugs and a lot of other issues. But typically, you know, strip centers today, people are buying those for 8% returns to as much as 10, 12% and a lot of times they're vacancy. That's upside you can add into it as well. But again, these are all things that you can get into for a couple $100,000 down, and there's way more room for error than people think there is. As long as you have a professional that's looking at the lease for you before you buy it, you know you just want to make sure the guarantee is on the lease that you have corporate guarantees. But typically, if a bank will finance it, they're also looking at that. But it's not as scary as people think it is, and it's really a strong alternative to investing in single-family homes. Not that I'm knocking single-family homes. There's pros and cons to literally everything you do in life, as you know. 100.   Keith Weinhold  12:28   A triple net lease, where in commercial property the tenant covers three main expenses or nets: property taxes, insurance, and the maintenance and repairs. And in a lot of the situations, like Todd is describing, that really leaves landlords responsible for little more than the mortgage, really increasing the passivity here. And you know, tenants that are willing to shoulder a triple net lease, I don't think of them as taking on those extra costs for nothing. I think about it is in exchange, tenants typically pay lower rent then, and the tenant also gets more control over the property in a triple net arrangement.   Todd Drowlette  13:08   That's a generally safe thing to say, but I hate saying this. I can't believe I'm even saying this, but you know they say location, location, location. So it really depends on the market. The biggest mistake people make to go, oh, I get asked all the time, should I invest in land? I'm like, hell no, raw land. I go when I develop stuff, I have a use for it. Once I get the approvals, then I'll close and buy the land. Land banking stuff and just going and buying land and hoping it goes up in value. I have a number one rule that I always say to people, and it's anytime you can buy $1 for 50 cents, you buy it, but you don't buy property for $1 hoping it goes to $2 because there's no guarantee that that'll happen. In raw land, you know you have a guaranteed. You're paying taxes every year, so just paying taxes on something that's also not returning you anything is a terrible investment, in my opinion. You're speculating. If you want to speculate, just go to the casino, play roulette, pick black or red, and you have roughly a 50-50 shop minus the three greens, but there's a lot easier ways to make money than buying raw land. But shopping centers, triple net properties, there's definitely ways for people to get into that that are much lower risk, and they're not as scary as you'd think. And many banks will finance them.   Keith Weinhold  14:18   Now, if you had to buy one commercial asset today, what would that be? I know that might depend on some factors, but generally, I've got to say, industrial comes to mind for me as one of the hottest commercial real estate asset classes in quite a while.   Todd Drowlette  14:32   So I would pick two strategies. One would be high bay warehouse, whether it's specifically industrial or just warehouse, but things with high ceilings, open floor plans, like you know, a 20,000 foot warehouse, 30,000 feet, something in that range, that a lot of people want that type of use. Warehouse rents have been increasing way faster than office or retail rents have been in the same markets. And as things get more and more automated, you still need to ship stuff. You still need to. Stuff you still need to get things to people's houses, so with the whole AI boom and the crazy things that are happening, I think there's going to be a lot fewer people with jobs sooner than people realize. But I do think the warehouse is a good thing to be invested in, especially if it's on main streets. It could be retail, could be warehouse, could be whatever. The second thing I'll say that's very low risk are any businesses that Amazon can't compete with you for. So, a small strip center that's two or three tenants, that's a hair salon, a nail salon, service type business, retail tenants, because it's a turnover business. So, like nail salons, they're never going to come to your house and do your nails unless you're a billionaire, because they can make more money with people coming to them in back-to-back appointments. So any type of service business tenant that you can have, and typically nail salons, hair salons, they don't usually go out completely. Usually, if they don't want to do it anymore, they'll sell the business to somebody else, and you keep a tenant. From an ownership standpoint, there's very low turnover and having to pay new brokerage fees or do give tenant fit-ups or free rent to like get their business up and running. So I would either go high bay warehouse with loading docks like 18 foot, 20 foot or higher ceilings, open floor plans, overhead doors, 20, 30,000 square feet, or two or three tenant strip malls with high traffic counts, good suburban locations that have service type businesses. Those are your two. Would be very hard to lose as long as you don't overpay when you buy them.   Keith Weinhold  16:25   This is such an interesting thing to say when you think about a resilient business, something that can't easily be disrupted by AI or Amazon, which something like a nail salon would fit into. Tell us about some of those other types that might fit into a small retail center that are resilient that way.   Todd Drowlette  16:45   End caps, so any kind of like a Popeyes, a McDonald's, anything that's drive-through or food. Even you're starting to see, you know, the Tesla robots, and you're seeing more and more of that. However, people will still buy the food. So whether the employees are actually still in there, it's all robots. They still physically need a place that's close and convenient for people to drive to, or even the food delivery apps. Like a lot of the retail restaurants now are telling me 30, 40% of their orders are delivery through like Uber Eats and whatever. But those are great tenants to have because they're still making money, and as the world's changing, they're adapting. And I want tenants that adapt to the changing world. And honestly, they can afford to pay more. This is terrible. But from a strictly landlord perspective, the fewer employees they have, you don't have workers' comp claims, you don't have the insurance, you don't have all those things. The more you can afford to pay rent to landlords. So as the world's changing, those type of retail, small strip centers, end caps, fast food, QSR type food, quick serve retail. Those are definitely things that I would be considering if I was someone getting into this, and they're things that I also own. So I always recommend what I would do myself.   Keith Weinhold  17:55   Right, and with that commercial tenant, if they're serving fast food, yes, it's not like their customer has to physically show up there at that business for that business to thrive.   Todd Drowlette  18:06   And actually, if you have them as a tenant, because of the delivery, like with a drive-through, you're typically only working off one or two miles. But Uber Eats or these other meal services, they're now going out five, six, even seven miles in some places. So that actually means their sales could be higher. And another thing I didn't mention, but now I'm thinking, a lot of restaurant tenants will pay a percentage rent. So actually, as their sales go up, even though there's not more infrastructure, you know, strains from more customers coming in and out of your property, as they're doing the meal delivery, you're actually potentially be getting cut of that as a landlord with percentage rent, which is a thing that doesn't exist in residential real estate, obviously, there's multiple streams of income for triple net properties at times when you have percentage rent that doesn't exist in warehouse, where it's in retail. It doesn't exist in office, doesn't exist in warehouse, doesn't exist in residential. So that can be a nice bonus, and you see that with supermarkets, restaurants, different types of retailers pay percentage run.   Keith Weinhold  19:05   Okay, so in a sense, Todd, we've been talking about going against the flow, if you will, in being in businesses that are resilient toward disruption from AI or Amazon. But while we're talking about industrial real estate, warehouses do come to mind for me soon afterward, I think generations ago maybe industrial had the connotation of a dirty factory. But today, when I think about warehouses, I think about Amazon fulfillment centers or AI data centers. So, what is the business like for investing in those sort of warehouse deals, and how do those deals even get put together for these warehouse types.   Todd Drowlette  19:42   So you have two types. So you have people who do spec building. So there's guys that will go out and say, "Hey, I'm in the warehousing business, and they'll go through. They'll get approvals and they'll say they'll buy 10 acres, 20 acres, 30 acres, and they'll say, "Okay, we're going to." Put I'm making this up. 500,000 square feet of warehouse on this. They'll go get approved, but they basically will put up a spec building of 40,000 50,000 feet, and then they'll lease it. Depending how long it takes them to lease it, then they'll build the next one. Once you kind of have one building up, it's much easier to prelease. If you just have a piece of dirt and say, hey, I'm going to do a warehouse building here. Unless you have a direct in specifically with Amazon, and they're like, hey, we need to be in Skoda, New York, you know, at this exit within 10 miles of that. And it's like anything. Once you do something for someone once, they're working across the whole country. So if you're particularly good in a specific region as developer, they will often say, "Hey, find me a spot here, here, because they're in the business of getting open and running data centers. They don't care if you're making a profit on the real estate, and they're not set up to locally go through the approvals, know the politicians, know the process, that whole thing. So there's opportunities like that. If you don't know anyone from a hole in the wall, if you have a big piece of property and you start with whatever you're comfortable with to spec out a warehouse, 10,000 feet, 5000 feet. See how long it takes. Do you lease that in six months? Does it take three months? Does it take a year? And then you can kind of take some of the profits from that, either refinance, or if you have a construction loan, then build the next one, build the next one, and build the next one. You can kind of build out as the demand comes along.   Keith Weinhold  21:22   You're listening to Get Rich Education. We're talking to the star of the A and E show, the Real Estate Commission, Todd Drowlette. So much when we come back. He's going to update us on what's happening with office to residential conversions, how much higher interest rate pain is still going to surface in some of these deals, and a negotiation tactic or two that you can use for your own residential deals. I'm your host Keith Weinhold. Flock Homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now, mom and pop landlords can 721 the residential real estate request your initial valuation. See if your properties qualify at flockhomes.com/gre. That's flockehomes.com/gre. Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. And full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent, on-time investor payouts, they built real credibility.   Todd Drowlette  24:15   Well, I'll tell you about some of the pitfalls, and I'll tell you the huge opportunities. If you have office buildings that are vacant, you know, particularly in downtown municipalities like in Albany, New York, you know, our state capital in New York. Politicians and the government right now are creating a lot of incentives to convert those, where they're putting up grant and giving away millions of dollars to private developers that you don't have to repay. So there's a huge opportunity to have people take on a lot of the risk for you to do it. Some of the pitfalls people get into are you want to pick the right office building to do it for. So you want to a make sure that that office building either has on site parking garages or on site parking because I've seen people try to do it and that. Downtowns where there's no parking, and you can put a lot of money in a building with no parking. And if you're not in New York City, where people are used to, and you're competing against suburban apartments, that's a tough sell. So that's number one. Number two, for whatever reason, people really want in office buildings and downtown settings floor-to-ceiling windows. So you really want to pick office buildings that already have floor-to-ceiling windows because it can be very expensive. If you get over three floors, it can be very expensive to cut out windows and make them larger. And another, this is a huge money potential pitfall if you're not careful. Many municipalities and states have different codes for elevators for residential buildings than they have for office. It makes no sense to me, but office buildings. It has to do with fitting the elevator has to be large enough that you can get a stretcher if someone had a heart attack and needed to be wheeled out. Ah, for some reason, residential buildings require larger elevators, and if your shaft isn't big enough and your car isn't big enough. You could have a million dollars or more of an unexpected expense to either make the shaft bigger. Some buildings you can't even do it.   Keith Weinhold  26:08   Well, but if it was originally set up for-   Todd Drowlette  26:09   It doesn't make any sense either. This is new. If you have an office building that's 30 stories tall, people could have heart attacks in the middle of the day at the office. So how is that any different than if they're at home in an apartment and have a heart attack, so it doesn't make any sense to me why the code is different for the fire code. But in New York State, the fire code is different, and that can be astronomically expensive, or it can literally stop your project dead in the tracks if it just becomes cost prohibitive to do it.   Keith Weinhold  26:34   That's something that I never would have thought about. I generally like to see office to residential conversions revitalizing central business districts in our cities. You know, you talked about the parking before having less need for parking. If people can walk to work and where they work, that increases the walkability of an area. I like so many things about office to residential conversions, despite all the hardships and the pitfalls you have to avoid.   Todd Drowlette  27:01   Oh, they're great. You just want to make sure you're picking the right building. So my point is, if you have five or 10 vacant office buildings, mostly vacant office buildings, just make sure you're choosing the right one. And before you buy it, do your due diligence and go through with contractors and engineers and architects that understand all the codes and say, hey, the other positive thing that saves money in office conversions is most office buildings. If you have an elevator bank, typically have bathrooms directly across from the elevator bank, so water and sewer can be very expensive when you're running apartments. So having central lines going up through usually concrete floors can save you a ton of money in the design and the layout of how you place the units and do it around central bathrooms, but typically larger office buildings will have plumbing and sewer on different parts of the floor. So it just means you have to go less distance and it saves money. And a lot of office buildings, even older ones, have higher ceilings, which today is very desirable for apartments. So if you can have a building that has natural light, high ceilings, and you can get grant money to do it, that's definitely something people should look into. And even with a smaller building, I've seen people in New York people are converting 5000 foot office buildings into like five units. You know, there's money to be made. You just have to buy right. I always say, you know, if you can buy $1 for 50 cents. Buy it. Don't buy $1 and hope it goes to $2 A   Keith Weinhold  28:25   lot of these physical limitations, oftentimes in the office to residential conversion, and Todd in the residential world, oftentimes apartment buildings have been problematic. A lot of these syndicators have had their deals blow up because in 2022 or earlier they got five to seven year fixed rate debt. Those deals are coming due. The mortgage payments double, and a lot of times the operator just can't meet it, and it blows up. And apartment building values have been down about 30% nationally, largely for that reason, even though an apartment building owner gets a commercial loan, I still want to know from the commercial side and the commercial use type how much higher interest rate pain do you see that has surfaced and is still going to surface.   Todd Drowlette  29:17   So, I'll answer this by quoting my grandmother. She said, "Anytime you want to cook, whatever size pot you think you need, pick twice that size pot and start using that.   Keith Weinhold  29:29   Yeah.   Todd Drowlette  29:29   So I say the same thing when you're financing a deal or you're writing it out and seeing what your returns are. I always say to people, make sure that you have a big enough cushion in there for all the things you can never predict in commercial loans, there's a ton of guys that are about to lose their shirts, and you're starting to see it because, unfortunately, I don't know if it's true in residential real estate, but in commercial real estate, I've seen guys go from nothing to 50 million, 100 million, $200 million net worths, but I've also seen. Lose everything. So what happens in commercial real estate that you don't want to do is so many people say OPM, use other people's money, use other people's money, use other people's money, which is fine as a strategy. But what you don't want to do is cross collateralized loans. So if you have one property and then you go, oh, let me refinance that and then buy a next property and I'll refinance that and buy the next property, and then the bank's like, okay, we'll refinance that, but we're going to now tie all these properties together as one mortgage, or you're going to cross guarantee these properties. Right. The problem with that is, the people who do that strategy, if you started at that, you know, in 2021 when interest rates, you could get things at three and three quarters percent. Well, commercial loans are five-year loans typically, and they might have 20 or 20-five-year amortizations. So, unlike a residential mortgage that's a 15 or 20 or 30-year self-amortizing loan, they're not. At the end of five years, you have a balloon payment that you have to pay off. So, if interest rates are going down, that's amazing because if your tenants are the same, and even if your rents didn't change, and you bought something at 6% and now it's at 5% Your cash flow goes up significantly, and nothing happened other than your refinance. The problem is you have a ton of guys right now, guys, women, people that were financing stuff five years ago at three and three quarters, and now interest rates are hanging six and a quarter, six and a half, depending on the property, is might maybe seven. Same tenant, same everything. You're giving the keys back to the bank because you're broke now. Because all of a sudden you're financing, you squeeze too much out of the deal. I always say you can take on the in in or you can take on the out, but you can't have both. So when people are financing stuff, they just need to make sure. Like here's another thing I'll go off on. A lot of people will buy stuff with tax credits, and you see even with residential apartments, a lot of guys are financing that, selling people tax credits. Economies and things change and things move. If a deal is so tight that you need the tax credits to make the deal make sense, yeah, don't do the fricking deal because tax credits should be an added bonus. That's just, hey, that's a nice adding to the cushion. So many people have razor thin margins. They go, oh well, I do the tax credits. If I can get 70 cents on the dollar, this is how I make the money. I tell people I will have nothing to do with tax credit deals unless it's strictly a bonus. The deal has to stand on its own, and always assume in the course of five years interest rates could go up three points or down three points. Most people will not listen to me and will not do that. If you do that, you'll never get killed and you won't lose a property. It's super conservative, but there's enough money you can make, and if you buy it right, that's how you can afford to figure that spread in when you're financing something. But just so many people get greedy, and I just think back to my friend Bob Bear, who died. I met him when he was like 70-five. He was a billionaire, self-made, and he used to say to me, "It's not what you make; it's what you keep. And when people would ask how rich are you, he knew how rich he was. He would say, "I don't owe anybody in the world a dime.   Todd Drowlette  32:59   And to me, my entire strategy is I don't owe anybody in the world a dime. So I personally look at deals and say, out of my own cash flows, what can I buy? And instead of buying four properties a year, I might buy one property a year. But if I'm buying that and compounding my returns, I'm not paying interest to the banks. So it's just a different strategy. I sleep at night. I'm like the multimillionaire next door. I don't live extravagantly. I don't drive Ferraris and Rolls Royces. That's just not my thing. But I sleep at night and I have peace, which is important to me, knowing I don't owe anybody in the world a dime. But will I get as rich as the guy who's risking everything? No. But real estate to me is musical chairs, and the music always stops at some point. And there's never enough chairs for everybody. But if you're somebody who's in a cash position, which you're going to be going through in the next six months to a year, on the residential and commercial, I think there's going to be blood in the streets. And I think people who are sitting in cash are going to have like a once in a lifetime opportunity to buy things at a deep discount.   Keith Weinhold  34:02   Philosophically, we're different in one way. I use debt and leverage to grow larger, but ensuring that I do have enough income to cover the mortgage and all the operating expenses. But Todd, to your analogy about your grandmother in selecting a bigger pot than what she would need to cook whatever she's going to do, when it does come to debt, the last time I bought an apartment building myself, which wasn't recent, I could have chosen seven-year fixed-rate debt with a balloon at the end, or 10-year fixed-rate debt with a balloon at the end. The 10-year fixed-rate debt cost me one quarter of a percent more in mortgage rate, which dented my cash flow during the entire duration of that loan. But I did indeed choose that 10-year loan in order to have that much more certainty, and I sure am glad that that's what I did.   Todd Drowlette  34:54   That's always the game because it's people think that rich people know what you don't, or it's inside. Whatever I'm like. Number one, if you sit in a room with a bunch of rich people, yes, they will work against you if it benefits them to work together. But if it doesn't, you have egos and separate interests that are all competing. And there's always that thing of I know very very rich people who could buy and sell me 100 times over, and I also know that you don't know what you don't know, and the world has gotten so complicated, and financial markets are all intertwined globally. Anyone to be able to predict, it's like it's a crapshoot when you're like, okay, do I take seven years? Where do I think interest rates will be in seven years? It's hard to say where interest rates going to be tomorrow. You ask a banker tomorrow, they can't tell you. So it's like, what's your best educated guess of seven or 10 years? What's the better play? But I always go the conservative route.   Keith Weinhold  35:43   I think it's easier to predict the future direction of capital prices than it is interest rates. Myself,   Todd Drowlette  35:50   but I will say also, I am the exception. And if you have 100 other guests on here in the next year, well, 50-one more guests in here the next year, yeah, they would all say Todd's an idiot. That's terrible advice. If you want to get rich, literally leverage, leverage. Just do it intelligently, and I acknowledge that. I don't see the world the way other people do, but my end game is to be rich and comfortable, and to sleep at night with peace. And that's why I choose to do what I do, realizing I'm giving up. It's the you know what are you giving up to what do you gain benefit analysis, and I'm realizing I'm giving up some upside in my total potential net worth. But I like peace, and you know I had anxiety for years. I don't have it anymore, and I live my life to be as anxiety free as I can possibly be.   Keith Weinhold  36:34   That's interesting, and that certainly works for you, Todd. What's one negotiation tactic that you get from dealing with, well, let's say Decca or Centa million dollar commercial deals that our listeners could use the very next time that they buy a rental property.   Todd Drowlette  36:53   So the number one mistake I think people make is they assume what's motivating the other person, and they assume it's always price. So anytime I'm going to negotiate a deal from someone, whoever has the most information always wins, and whoever doesn't need the deal always wins. Yeah. So I want to know as much about that other person on the other side as I am. Are they going through a divorce? Are they desperate? Do they hate each other? Is it a partnership breakup? Did somebody inherit it and they live five states away and don't even know what this thing is worth that they have. So the number one thing from a negotiating standpoint is understand exactly who you're negotiating with and what's motivating them. From an actual tactic standpoint, just think logically through whatever the process is, and you can always go up. You can't go down. So the key is to offer as little as you can without insulting the person, so they don't even respond. So figure out what that fine line is, and before you go into the negotiation, know what your walk away number is. That's just the point you're not getting over. The fast way to lose in a negotiation is to get stuck in a bidding war. There's nothing I want so much that I'm going to overpay for it. So when people go, "Well, if somebody else is interested, I go then sell it to them. Yeah, I don't need it. Sell it to them. And then the other thing I'll say is, if you start the negotiation, this is the one piece. Say your number and shut up. So many people are scared of silence. And then, right, if the person doesn't immediately respond, they go, "Oh, well, I guess I offered you 500,000 I mean, I guess I could go 550. As soon as you talk after you give a number, you're negotiating against yourself. So throw the number, let it land wherever it lands, and do not talk until that person responds to you. That's like the number one mistake I see people do. They throw out a number, they get nervous with the silence, and then they immediately go up in their offer. That person could have been thinking, "Oh my God, did I forget to call back my whatever? And they're not even thinking about the number you just threw out. But people just assume, oh God, the number was too low, and then they negotiate against those. Do not do that.   Keith Weinhold  38:48   Risk the awkward silence. And yes, to your point about learning more about the other side, terms are often more important than price for sure. Well, Todd, you know a lot of commercial real estate content in mainstream media it tends to focus on these big institutional deals. But what has made your A and E show interesting, the Real Estate Commission, is what it's called. Is it focuses more on sort of leasing and this negotiation that we're just touching on there, and that's what makes you interesting. So tell us about what audiences can expect for season two of the Real Estate Commission on A and E.   Todd Drowlette  39:24   So, season two, you will 100% see real landlords, real brokers, real investors. You'll see real retailers. You'll see people relocating their offices in New York City. You'll see stuff in upstate New York. It's generally in the Northeast. In the first season, we helped a kitchen cabinet manufacturer relocate their suburban offices in Philadelphia. I sold a 50-unit HUD property that has a HAP contract you might be familiar with. That was crazy going through a bankruptcy foreclosure proceeding two year. That was crazy. Yeah, so you are going to. See more of that. It's a documentary. It's not a reality show, so you're watching the deal as it unfolds. Some things have happy endings. Some things have terrible endings, but they're real endings either way. So people will see a lot of that of deals happening in the Northeast. And if someone's listening and they're a business owner and they want to be part of the show, they can apply. We're announcing the casting will be open for about three weeks across the U.S. They can go to the realestatecommission.com/forward/tv and they can apply to be part of the show.   Keith Weinhold  40:32   Now, since you started this last year, I want to ask: Has this A and E exposure helped you generate more business and create traffic? I would really think so.   Todd Drowlette  40:42   Yeah, I wasn't sure. You know how because you never anything new. You never know, right? Like I put time and energy into it. It definitely did. Definitely, people start to notice you, which is a little weird. I was in a cell phone store, and they literally it was playing, and the guy's like, "Oh, it's you! Like, and then everybody who's walking in, he's like, "Hey, look, it's the guy on TV. He's right here. That was like kind of an awkward. Like, I'm like, "Okay, this is weird. Guy was excited, so that was fine. It's an adjustment of things, but it definitely has increased our overall visibility and people reaching out to do deals with us for sure.   Keith Weinhold  41:18   Is there any last resource you'd like to tell our audience about.   Todd Drowlette  41:21   I would just quickly announce the first season did so well. We're actually doing a spinoff show that'll also air on A and E called the Real Estate Commission New York that we're casting in upstate New York as well as New York City for brokers, agents, home sellers, home buyers that will actually document real buyers, real sellers, same thing. It'll follow our format, which I know there's a million shows on TV about real estate. Those are reality shows, not docu series. And I'll say, without going into the details, there's a very big difference between those two and what you're actually seeing on camera and what's happening. That will air in March of 2027, back to back with our show, I will make cameos in that. But I'm executive producing that show, so from your residential audience, that's a show they should tune into. I think they'll get a lot out of it.   Keith Weinhold  42:12   Congratulations! Your show has had so much success that it's setting the template for another show, and it has been most interesting since we first had you here last year to follow this along, Todd Drowlette. It's been a valuable chat. Thanks so much for coming back onto the show.   Todd Drowlette  42:28   I'd love to come back anytime, and thank you so much for having me on again. I appreciate it.   Keith Weinhold  42:38   Drowlette is spelled D R O W L E T T E. Todd and I talk a good bit off mic as well. In addition to the elevators, sometimes he emphasizes how cumbersome to impossible HVAC system compatibility is when you're doing office to residential building conversions. Too, you just never seem to hear about an easier than expected office to residential property conversion. It is most interesting and rare that Todd is not much of a leverage guy at all. Whereas in the vein of financially free beats debt free, I like to approach deals where the interest cost is lower than the expected opportunity cost. When it comes to negotiating, some of Todd's approach, you know, it's similar to what prominent hostage negotiator Chris Voss shared with you here on the show a few years ago. That silence is powerful in negotiating. In fact, if you feel like you need to say something to fill the silence. Use what Chris Voss calls the mirroring technique, and the mirroring technique that is simply repeating what the other party just said, kind of like a parrot would. For example, if you're trying to buy a property and the seller says that the best they can do is sell it to you for 550k and a delayed 90-day close. Reply with 550k and a 90-day close, and then listen to see if the seller comes down from there. Or instead, you can simply say nothing and just sit there with the silence like Todd recommended. The reason I like these particular negotiating techniques right here is that they're easy to remember and they're easy to do. You either remain silent or, per the mirroring technique, you just repeat the last words that the other party said. Thanks to Todd Drowlette today, you can check out the real estate commission on A and E Coming up here on the show soon. Back to residential, where for the first time ever on the show here we discuss what might be the greatest real estate cash flow strategy because it's becoming quite popular today. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 1  45:08   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  45:36   The preceding program was brought to you by your home for wealth building getricheducation.com  

Topics discussed on today's show: Have a Conversation, Vanilla Ice Cream, Who's Going To Hell?, Good News, Contagious Cat Fish Cancer, Cruise or Vegas Solo Vacation, Pop History Quiz, Movie News, Movie Password, Switched at Birth, AI Robots or Dinosaurs, HF Dating Advice, News Bits, Make A Band Older, and Apologies.

TIMESTAMP 00:00 - Intro : Niptech 498, épisode d'été avec Matt Prof du Web01:53 - YouTube : algorithme, thématisation forcée des chaînes04:48 - Communautés payantes et memberships YouTube06:10 - Miniatures, visages et A/B testing (titres, vignettes, vidéos)07:40 - Traduction automatique des vidéos YouTube09:06 - L'app Play : écouter des podcasts YouTube avec favoris et timestamps10:16 - Coupe du monde : Mike à Kansas City pour Suisse–Argentine14:38 - L'engouement pour le soccer au Canada16:09 - Cohere : l'IA souveraine canadienne (B2B, modèles, North)19:22 - Souveraineté numérique : Europe et Canada face aux géants US22:19 - Le modèle Red Hat : open source + consulting25:47 - "Le SaaS est mort ?"29:13 - OpenRouter : l'explosion de l'usage des modèles open source30:43 - Salesforce Agentforce AI 33:58 - Pourquoi le réveil sur la sécurité et la souveraineté des données ?37:07 - Le "4e écran" : form factors IA, lunettes Meta, contexte et Copilot43:55 - Sécurité interne : quand l'IA d'entreprise protège les salaires45:44 - Robots humanoïdes : IPO chinoises, location vs achat, limites actuelles51:00 - Inspiration : live avec Olivier Clerc des 4 Accords Toltèques53:29 - Documentaire : Rafa Nadal sur Netflix55:28 - Podcast : Tim Ferriss avec Guy Oseary57:32 - Livre : La Méditerranée de Fernand Braudel 1:01:26 - L'app Play 1:02:14 - Citation de la semaine : Gavin Belson (Silicon Valley)1:05:41 - Conclusion et prochain épisodeNEWS (Europe - Canada) Avec Cohere, le Canada possède l'une des plus importantes entreprises indépendantes d'intelligence artificielle à l'extérieur des États-Unis et de la Chine. https://www.ledevoir.com/economie/techno/974714/firme-canadienne-ia-cohere-met-main-allemande-aleph-alpha « Les restrictions imposées par Anthropic doivent servir de signal d'alarme » : Cohere, l'outsider canadien de l'IA qui veut conquérir l'Europe https://www.lesechos.fr/tech-medias/intelligence-artificielle/les-restrictions-imposees-par-anthropic-doivent-servir-de-signal-dalarme-cohere-loutsider-canadien-de-lia-qui-veut-conquerir-leurope-2238159 Will SAAS software continue to exist in 10 years time ? Starbucks Just Fired A Warning Shot At Microsoft And IBM AI Apps https://www.forbes.com/sites/sandycarter/2026/07/12/starbucks-just-fired-a-warning-shot-at-microsoft-and-ibm-ai-apps/ Open-Source AI Models May Be the Biggest Shift Since Cloud Computing https://www.virtasant.com/ai-today/open-source-ai-models-may-be-the-biggest-shift-since-cloud-computing Un 4e écran pour pour faciliter de nouveaux modes de travail https://fredcavazza.net/2026/07/15/un-4e-ecran-pour-pour-faciliter-de-nouveaux-modes-de-travailRobots'Listing is a must': Chinese humanoid startups are rushing to launch IPOs Chinese robots have captivated the world. A rental market is exposing their limits INSPIRATION#EVENT :: Niptech Explore - Olivier Clerc 30.06 à Lausanne youtube.com/watch?v=WEj8ZjyMQk8&feature=youtu.be #DOCUMENTARY :: Rafa https://www.imdb.com/title/tt35052852/ #PODCAST :: The Legendary Hollywood Power Broker — Guy Oseary on 36 Years of Managing Madonna, 26 IPOs, and More https://youtu.be/-e-gDi-nB1w?si=c-UYp-LPZQgkuuiA #LIVRE: La Méditerranée et le monde méditerranéen à l'époque de Philippe II - 1. La part du milieu https://amzn.eu/d/09WX1CMh #APP Play: Regarder Plus Tard https://apps.apple.com/ca/app/play-regarder-plus-tard/id1596506190?l=fr-CA#QUOTE :: “I don't want to live in a world where someone else is making the world a better place better than we are.” Gavin Belson - Silicon Valley https://www.imdb.com/title/tt2575988/--------------------------------------------------------------------------------------------------------------------------------------------------Retrouvez-nous sur tous les réseaux NIPTECH !Site web : https://www.niptech.comFacebook : / https://www.facebook.com/niptech/Twitter : / https://x.com/niptechpodcastLinkedIn: / https://ch.linkedin.com/company/niptech-podcast Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Full Show Broadcast: The entire Sports Bar gang is back together! Happy Sabres schedule release day, what games are you most excited for? What is a Wedge? Where will King James play next season? Tim offers up a FIFA conspiracy take. AI ai glitches and mistakes. Gene says the WNBA needs help & why. Plus what did we learn on today's show?

Tim Neale from DataFarming joins AgWatchers for a wide-ranging chat on where ag technology is heading next. The big question: what happens when grain farmers stop thinking only in paddocks and start managing crops square metre by square metre? Tim talks through the next evolution in precision agriculture, from satellite imagery and variable rate fertiliser to robotics, AI, autonomous drones and the potential for farming systems to be redesigned around automation. The conversation also gets into rising input costs, how tech can help growers make better decisions on fertiliser spend, and why the next gains in productivity may come from getting much more precise. There is also plenty of AgWatchers nonsense along the way, including Qantas lounge food, haggis, Clarkson's Farm, Chinese machinery, robot vacuums and Andrew's deep love for the Kia Carnival.

On Ringside Politics with Jeff Crouere, I explained why the real race is not merely AI, but quantum technology, and why combining quantum computing with artificial intelligence creates a national security nightmare if China gets there first. I also broke down how massive data centers, centralized databases, humanoid robots, Neuralink, and AI-driven bureaucracies are building a future where power is consolidated in the hands of government, Big Tech, and the oligarchs while ordinary Americans are told to enjoy their efficient little digital cage. Because apparently liberty was nice while it lasted.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-jeff-dornik-show--4788100/support.Follow The Jeff Dornik Show on Apple Podcasts and leave a 5-star review. That's how we reach more people and bypass Big Tech suppression.Watch LIVE daily at 7pm ET on Rumble and subscribe so you never miss a show:https://rumble.com/c/jeffdornikBig Tech is silencing truth while harvesting your data to feed the machine. That's why I built Pickax, a free speech platform where creators own their content and your voice isn't controlled. Join now:https://pickax.com/?referralCode=y7wxvwq&refSource=copy

This is our daily Tech and Business Report. Chipmaker Nvidia is betting on robotic tech and working to make humanoid robots safer around people. For a closer look, KCBS Radio News Anchor Holly Quan spoke with Bloomberg's Ian King.

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AI, robots, and Revelation 13 come together in this episode of The Smith and Rowland Show. Jeff and Roland talk through the image of the beast, the false prophet, and the way modern technology makes this passage feel closer than ever. The discussion moves from Scripture to the rise of artificial intelligence, data centers, public fear around UFOs, and the growing trust people place in machines. They also read directly from Revelation 13 and break down how the text describes power, worship, deception, and the mark of the beast. This is a blunt conversation with plenty of humor, but the topic is serious. The question at the center of the episode is simple: what happens when people start giving their confidence to a system that can speak, think, and influence the whole world? The hosts connect that idea to biblical prophecy, the Antichrist, and the role of the false prophet. You'll also hear the back-and-forth that makes The Smith and Rowland Show so watchable, including sponsor talk, jokes, and a straight-up Bible discussion that keeps landing on Revelation 13. If you care about end-times prophecy, AI, the mark of the beast, or how current events line up with Scripture, this episode gives you a lot to think about. Watch the full conversation, follow the Scripture readings, and decide where you stand on the growing role of AI in prophetic discussion. #TheSmithAndRowlandShow #AI #Revelation13 #FalseProphet #MarkOfTheBeast

Episode 374 Google DeepMind is simulating entire worlds using AI - that can be interacted with in real time. “World models” simulate the environment and physics of the real world. And DeepMind's Genie 3 model allows people to create these worlds with basic image and text prompts. The idea is not just to allow people to explore these worlds, but to serve as a testbed for AI agents to learn how to interact with the world before they are deployed in humanoid robotic bodies.  Could this be the next big step towards artificial general intelligence (AGI)? Joshua Howgego speaks to Jack Parker Holder, Research Director at Google DeepMind, about the latest developments. To read more about these stories, visit https://www.newscientist.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

AI, Robots, Technology, Social Media- Could they be making us Dumb and Unhappy? To consider… If we stop using our brain, it rots away – “Don't use it you lose it”, and a brain that is not challenged stops growing- “We are either growing or rotting” AND if we are not challenging our brain, if we have no purpose, how can we feel happy?

In this episode of ChainLeak, we explore "XMAQUINA | BUILDING PHYSICAL AI" with special guest Jessica Alvarez, co-founder of XMAQUINA.Dive into the future of physical AI, robotics, and decentralized ownership as XMAQUINA works to give people access to the companies building the machine economy.#Crypto #Robotics #AI

Serve Robotics (SERV) CEO Ali Kashani discusses the company's 578% year-over-year revenue growth and why the focus is shifting from expansion to improving monetization per robot. He says AI robot capabilities will improve over time, with hospitals and healthcare emerging as major long-term opportunities.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Elon Musk warns the U.S. is “1,000%” headed for bankruptcy without AI and robots to supercharge growth, but economists push back, arguing that only pairing innovation with real spending cuts, tax reform, and pro‑growth policy can keep America from a debt‑driven collapse.

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Guess here - https://www.skool.com/gmp-vips-1236/could-ai-be-making-coffee-in-portugal-soonBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-good-morning-portugal-podcast-with-carl-munson--2903992/support.Get help moving to and living in Portugal

Longevity risk is now measurable. The Longevity Preparedness Index, developed by the MIT AgeLab, scores how ready you are to live a long life. The average result is just 60 out of 100, signaling a major gap in retirement planning. Richard Rosso & Jonathan McCarty explain what drives that score, where most people fall short, and how to improve it. From Social Security timing to guaranteed income, flexible withdrawals, growth exposure, and healthcare planning, building a durable retirement plan requires multiple strategies working together. Key topics include: 0:00 - INTRO 0:19 - 8-ball Answers & Longevity Challenges 4:23 - Cap'n Crunch & Colorectal Cancer 6:27 - Longevity Preparedness Index 8:32 - Revolutionary Medical Testing 11:42 - Who Will Be Your Care Provider? 14:42 - Transition from Individualism to Collectivism w Care 17:51 - The Importance of Community: Transportation, Neighborhood 21:03 - Daily Activities & Physical Well-being 23:34 - How Do You Spend Your Days? 25:21 - Intellectually Stimulating 28:37 - How Will You Matter in Retirement? 29:38 - Finances in Retirement 32:50 - Worry About Running Out of Money in Older Age 35:05 - Knowing Where Your Money is Invested - and Why 36:35 - The Ability to Manage Day-to-Day Finances 39:35 - The Wellness Market 41:15 - AI Robots as care givers 43:38 - Moderate Physical Activity 45:09 - Is Your Home Well-prepared for Aging in Place? 48:58 - Dealing with Life Transitions 52:02 - Take Time to Reminisce 54:01 - Adapting to New Life Circumstances ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/-2PqycDpJfw ------- REGISTER for our next Candid Coffee, Saturday, April 18: https://realinvestmentadvice.com/resources/events/ask-us-anything-2/ -------- Watch our previous show, "What Will the Fed Do Next? " https://youtube.com/live/IflJyKIbe7s ------- The latest installment of our new feature, Before the Bell, "Markets Rally 11%: What's Next?" is here: https://youtu.be/ep4NAmWINYg ------- Resources Mentioned in Today's Show: https://www.johnhancock.com/ideas-insights/longevity-preparedness-index/longevity-preparedness-score.html https://www.livingto100.com/calculator ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #LongevityRisk #RetirementPlanning #FinancialPlanning #MITAgeLab #WealthStrategy

Longevity risk is now measurable. The Longevity Preparedness Index, developed by the MIT AgeLab, scores how ready you are to live a long life. The average result is just 60 out of 100, signaling a major gap in retirement planning. Richard Rosso & Jonathan McCarty explain what drives that score, where most people fall short, and how to improve it. From Social Security timing to guaranteed income, flexible withdrawals, growth exposure, and healthcare planning, building a durable retirement plan requires multiple strategies working together. Key topics include: 0:00 - INTRO 0:19 - 8-ball Answers & Longevity Challenges 4:23 - Cap'n Crunch & Colorectal Cancer 6:27 - Longevity Preparedness Index 8:32 - Revolutionary Medical Testing 11:42 - Who Will Be Your Care Provider? 14:42 - Transition from Individualism to Collectivism w Care 17:51 - The Importance of Community: Transportation, Neighborhood 21:03 - Daily Activities & Physical Well-being 23:34 - How Do You Spend Your Days? 25:21 - Intellectually Stimulating 28:37 - How Will You Matter in Retirement? 29:38 - Finances in Retirement 32:50 - Worry About Running Out of Money in Older Age 35:05 - Knowing Where Your Money is Invested - and Why 36:35 - The Ability to Manage Day-to-Day Finances 39:35 - The Wellness Market 41:15 - AI Robots as care givers 43:38 - Moderate Physical Activity 45:09 - Is Your Home Well-prepared for Aging in Place? 48:58 - Dealing with Life Transitions 52:02 - Take Time to Reminisce 54:01 - Adapting to New Life Circumstances ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/-2PqycDpJfw ------- REGISTER for our next Candid Coffee, Saturday, April 18: https://realinvestmentadvice.com/resources/events/ask-us-anything-2/ -------- Watch our previous show, "What Will the Fed Do Next? " https://youtube.com/live/IflJyKIbe7s ------- The latest installment of our new feature, Before the Bell, "Markets Rally 11%: What's Next?" is here: https://youtu.be/ep4NAmWINYg ------- Resources Mentioned in Today's Show: https://www.johnhancock.com/ideas-insights/longevity-preparedness-index/longevity-preparedness-score.html https://www.livingto100.com/calculator ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #LongevityRisk #RetirementPlanning #FinancialPlanning #MITAgeLab #WealthStrategy

How the University of Nevada, Reno is integrating robotics and artificial intelligence to modernize the sheep industry. Researchers are developing "RoboHydra," an autonomous watering system that uses facial-recognition AI to monitor individual animal health while guiding flocks to optimal grazing areas. This federal initiative aims to improve rangeland sustainability, wool quality, and breeding precision through the collection of vast genetic and behavioral datasets. Beyond technical development, the university is implementing educational outreach through 4-H programs and new college curricula to train the next generation of agriculturalists. Ultimately, these innovations strive to provide ranchers with data-driven tools to maintain profitable operations in increasingly harsh, semi-arid environments.

In this episode, we explore SoftBank's monumental $40 billion investment in OpenAI and what it signifies for the AI landscape. We also discuss the emergence of AI robots at the White House, Apple's strategy to integrate third-party AI into Siri, and a significant data leak at Anthropic detailing a new model with unprecedented cybersecurity risks.Chapters00:00 Introduction00:04 AI Robots at the White House00:23 SoftBank's OpenAI Investment05:28 OpenAI's Robotics Pivot07:15 Apple's Siri Integration09:09 Anthropic's Claude Mythos LeakTry AI Box See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we explore SoftBank's monumental $40 billion investment in OpenAI and what it signifies for the AI landscape. We also discuss the emergence of AI robots at the White House, Apple's strategy to integrate third-party AI into Siri, and a significant data leak at Anthropic detailing a new model with unprecedented cybersecurity risks.Chapters00:00 Introduction00:04 AI Robots at the White House00:23 SoftBank's OpenAI Investment05:28 OpenAI's Robotics Pivot07:15 Apple's Siri Integration09:09 Anthropic's Claude Mythos LeakTry AI Box See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we explore SoftBank's monumental $40 billion investment in OpenAI and what it signifies for the AI landscape. We also discuss the emergence of AI robots at the White House, Apple's strategy to integrate third-party AI into Siri, and a significant data leak at Anthropic detailing a new model with unprecedented cybersecurity risks.Chapters00:00 Introduction00:04 AI Robots at the White House00:23 SoftBank's OpenAI Investment05:28 OpenAI's Robotics Pivot07:15 Apple's Siri Integration09:09 Anthropic's Claude Mythos LeakTry AI Box

In this episode, we explore SoftBank's monumental $40 billion investment in OpenAI and what it signifies for the AI landscape. We also discuss the emergence of AI robots at the White House, Apple's strategy to integrate third-party AI into Siri, and a significant data leak at Anthropic detailing a new model with unprecedented cybersecurity risks.Chapters00:00 Introduction00:04 AI Robots at the White House00:23 SoftBank's OpenAI Investment05:28 OpenAI's Robotics Pivot07:15 Apple's Siri Integration09:09 Anthropic's Claude Mythos LeakTry AI Box See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we explore SoftBank's monumental $40 billion investment in OpenAI and what it signifies for the AI landscape. We also discuss the emergence of AI robots at the White House, Apple's strategy to integrate third-party AI into Siri, and a significant data leak at Anthropic detailing a new model with unprecedented cybersecurity risks.Chapters00:00 Introduction00:04 AI Robots at the White House00:23 SoftBank's OpenAI Investment05:28 OpenAI's Robotics Pivot07:15 Apple's Siri Integration09:09 Anthropic's Claude Mythos LeakTry AI Box See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Use our code for 10% off your next SeatGeek order*: https://seatgeek.onelink.me/RrnK/LAPLATICA10 Sponsored by SeatGeek. *Restrictions apply. Max $20 discount   What if you're already living a one-in-a-million life and don't even realize it?

Rural Health News is a weekly segment of Rural Health Today, a podcast by Hillsdale Hospital. News sources for this episode: Lauren Weber, “RFK Jr. and Dr. Oz have a plan to save rural health care. Here's the catch.,” March 24, 2026, https://www.detroitnews.com/story/news/nation/2026/03/24/rfk-jr-dr-oz-plan-save-rural-health-care-heres-catch/89297731007/, The Detroit News. The Washington Post, “RFK Jr. and Dr. Oz have a plan to save rural health care. Here's the catch.,” March 24, 2026, https://www.washingtonpost.com/health/2026/03/23/rural-health-ai-medical-tech/.  Bridget Early, “Providers urge CMS to scrap ACA exchanges overhaul,” March 25, 2026, https://www.modernhealthcare.com/politics-regulation/mh-cms-aca-exchanges-rule-providers/, Modern Healthcare. Centers for Medicare and Medicaid Services, “CMS Proposes Regulations to Lower Health Care Costs, Expand Consumer Choice, and Protect Taxpayers,” https://www.cms.gov/newsroom/press-releases/cms-proposes-regulations-lower-health-care-costs-expand-consumer-choice-protect-taxpayers.   Madeline de Figueirdo, “Virtual Crisis Care Helps Rural Communities Access Mental Health Resources in Emergencies,” March 2, 2026, https://dailyyonder.com/virtual-crisis-care-helps-rural-communities-access-mental-health-resources-in-emergencies/2026/03/02/, Daily Yonder. Rural Health Today is a production of Hillsdale Hospital in Hillsdale, Michigan and a member of the Health Podcast Network. Our host is JJ Hodshire, our producer is Kyrsten Newlon, and our audio engineer is Kenji Ulmer. Special thanks to our special guests for sharing their expertise on the show, and also to the Hillsdale Hospital marketing team. If you want to submit a question for us to answer on the podcast or learn more about Rural Health Today, visit ruralhealthtoday.com.

Kim St. Onge's “Kim on a Whim” explores the rapid rise of AI and robotics, referencing the futuristic themes of Bicentennial Man starring Robin Williams as she discusses companies like RobotLAB developing robots for cleaning, food delivery, nursing homes, and warehouses. The conversation highlights growing AI adoption rates, Donald Trump's push to accelerate AI development, and concerns over humanoid robots entering homes within a few years. The team also reacts to a malfunctioning restaurant robot, debates tipping robot servers, and discusses autonomous vehicles like Waymo potentially arriving locally. The segment wraps with humorous speculation about naming robots after Data, jokes about Joe Biden robot comparisons, and listeners suggesting names like Alexandria Ocasio-Cortez. Hashtags: #KimOnAWhim #AI #Robots #ArtificialIntelligence #RobotLAB #Waymo #DriverlessCars #BicentennialMan #Technology #FutureTech #MarcCox #Automation

Marc Cox opens the hour celebrating a dramatic March Madness comeback and Illinois advancing before pivoting to sharp criticism of nationwide “No Kings” protests, arguing opposition to Donald Trump reflects a vocal minority. The Shortlist includes backlash toward Brandon Johnson, DHS funding fallout, and new trouble involving Tiger Woods. Kim St. Onge's “Kim on a Whim” explores the rapid rise of AI and robotics, referencing Bicentennial Man starring Robin Williams and discussing companies like RobotLAB and autonomous vehicles from Waymo. The hour closes with Cox recapping a successful The BackStoppers fundraiser in Washington, Missouri and a broader discussion about economic benefits and community concerns surrounding proposed data centers and regional energy demands. Hashtags: #MarcCox #MarchMadness #NoKingsProtests #DonaldTrump #BrandonJohnson #TigerWoods #KimOnAWhim #AI #Robots #DataCenters #BackStoppers #Missouri #IllinoisBasketball

In this episode, we discuss SoftBank's massive $40 billion investment in OpenAI and the implications for the AI industry's competition. We also explore the leaked Anthropic document revealing their powerful new 'Claude Mythos' model and its unprecedented cybersecurity risks.Chapters00:00 Introduction and AI Box Ad01:53 AI Robots at the White House03:17 SoftBank's OpenAI Investment05:28 OpenAI's Robotics Pivot07:10 Apple Opening Siri to Third-Party AI09:09 Anthropic's Claude Mythos Leak LinksGet the top 70+ AI Models for $8.99 at AI Box: ⁠⁠https://aibox.aiAI Chat YouTube Channel: https://www.youtube.com/@JaedenSchaferJoin my AI Hustle Community: https://www.skool.com/aihustle

In this episode, we discuss SoftBank's massive $40 billion investment in OpenAI and the implications for the AI industry's competition. We also explore the leaked Anthropic document revealing their powerful new 'Claude Mythos' model and its unprecedented cybersecurity risks.Chapters00:00 Introduction and AI Box Ad01:53 AI Robots at the White House03:17 SoftBank's OpenAI Investment05:28 OpenAI's Robotics Pivot07:10 Apple Opening Siri to Third-Party AI09:09 Anthropic's Claude Mythos Leak LinksGet the top 70+ AI Models for $8.99 at AI Box: ⁠⁠https://aibox.aiAI Chat YouTube Channel: https://www.youtube.com/@JaedenSchaferJoin my AI Hustle Community: https://www.skool.com/aihustle See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we discuss SoftBank's massive $40 billion investment in OpenAI and the implications for the AI industry's competition. We also explore the leaked Anthropic document revealing their powerful new 'Claude Mythos' model and its unprecedented cybersecurity risks.Chapters00:00 Introduction and AI Box Ad01:53 AI Robots at the White House03:17 SoftBank's OpenAI Investment05:28 OpenAI's Robotics Pivot07:10 Apple Opening Siri to Third-Party AI09:09 Anthropic's Claude Mythos Leak LinksGet the top 70+ AI Models for $8.99 at AI Box: ⁠⁠https://aibox.aiAI Chat YouTube Channel: https://www.youtube.com/@JaedenSchaferJoin my AI Hustle Community: https://www.skool.com/aihustle See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we discuss SoftBank's massive $40 billion investment in OpenAI and the implications for the AI industry's competition. We also explore the leaked Anthropic document revealing their powerful new 'Claude Mythos' model and its unprecedented cybersecurity risks.Chapters00:00 Introduction and AI Box Ad01:53 AI Robots at the White House03:17 SoftBank's OpenAI Investment05:28 OpenAI's Robotics Pivot07:10 Apple Opening Siri to Third-Party AI09:09 Anthropic's Claude Mythos Leak LinksGet the top 70+ AI Models for $8.99 at AI Box: ⁠⁠https://aibox.aiAI Chat YouTube Channel: https://www.youtube.com/@JaedenSchaferJoin my AI Hustle Community: https://www.skool.com/aihustle

From Wall Street to humanoid robotics, Andrew Kiguel has built a career at the edge of what's next—and in this episode, he sits down with Jess to unpack what it actually takes to bet on the future before it's obvious. Andrew, CEO of Realbotix, shares how his journey through investment banking, crypto mining, and high-growth ventures led him to one of the most controversial and fascinating frontiers today: human-like AI robots. From building a $140M revenue crypto company to now developing lifelike robots that can see, speak, and emotionally interact, Andrew explains why he believes robotics will move beyond novelty into real, human-centered utility. The conversation dives into big, uncomfortable questions—loneliness, human connection, and whether AI should supplement or replace parts of our lives. Andrew breaks down how Realbotix is approaching this differently: designing robots that feel human, not mechanical, and focusing on real-world use cases like elder care, hospitality, education, and companionship. But this episode is just as much about entrepreneurship as it is about technology. Andrew shares hard-earned lessons on raising capital, managing self-doubt, making high-stakes decisions, and building conviction when everyone else thinks you're wrong. It's a candid look at what it feels like to operate in uncertainty—and why the biggest opportunities often live there. This is a conversation about risk, vision, and the future of human-AI interaction—and what it really means to build something bold when the world isn't quite ready for it yet. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send a textDavid Reineke, founder of Synthesis AI and former PayPal account executive, breaks down the best way to make money with AI in 2026 — from building an AI voice agent business to becoming a market maker in the age of artificial intelligence. In this conversation, David shares how he bootstrapped an AI startup with zero investor capital, scaled to six figures in revenue in under three weeks, and why the future of AI business is about connecting buyers and sellers — not chasing hype. You'll learn why most people fail in the AI agency model, how to use AI tools like Claude, Gemini, and ChatGPT strategically in your workflow, and what separates real AI entrepreneurs from the "10K MRR Twitter" crowd. David also shares his framework for relentless follow-up in sales, why he moved to Dubai to build Synthesis, and his bold predictions on AI robotics, energy, and the future economy. Whether you're starting an online business or scaling with AI, this episode is packed with real-world lessons from someone who's done it. Subscribe and drop a comment with your biggest takeaway.#AIBusiness #MakeMoneyWithAI #AIVoiceAgentsTime Stamps:00:00 – Best Way to Make Money With AI in 202601:34 – Why Market Makers Build the Biggest Companies03:30 – How David Built Synthesis AI From Scratch08:53 – Catching Trends Early as an Entrepreneur10:11 – The Sales Follow-Up Story That Closed a $100K Deal16:45 – Why Fear of Looking Stupid Kills Your Business20:35 – Why You Should Never Be Too Above the Work24:07 – How to Articulate Ideas Even Without Technical Skills26:48 – Why Vibe Coding Is Overhyped in 202530:26 – How to Actually Use AI Tools in Your Workflow37:24 – The $39 AI Agent Guy and Shiny Object Syndrome38:22 – How Synthesis Got Accepted Into Nvidia's Program46:23 – Why Most AI Hype on Twitter Is Fake53:06 – Value Chain Strategy for AI Voice Businesses1:02:44 – Bullish or Bearish on the Future of AI1:08:52 – AI Robots, Energy, and the Future Economy1:14:05 – Building an AI Voice Clone of Loved OnesConnect with Us!https://www.instagram.com/alchemists.library/https://twitter.com/RyanJAyala

Link Up w/The Morning Sickness Digitally All Over:Instagram: @hms_98_official, @bosskupd, @bretvesely, @dickToledoX/Twitter: @HMSon98, @DickToledo, @bretveselyFacebook: @HMSKUPDYouTube: @hmspodcast9320, @98kupdRequest/Call in/Wakeup Song line:(IN AZ) 585.9800More HMS: holmbergpodcast.com, 98kupd.comEmail: dtoledo@98kupd.com, bvesely@98kupd.com, bbogen@98kupd.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Link Up w/The Morning Sickness Digitally All Over:Instagram: @hms_98_official, @bosskupd, @bretvesely, @dickToledoX/Twitter: @HMSon98, @DickToledo, @bretveselyFacebook: @HMSKUPDYouTube: @hmspodcast9320, @98kupdRequest/Call in/Wakeup Song line:(IN AZ) 585.9800More HMS: holmbergpodcast.com, 98kupd.comEmail: dtoledo@98kupd.com, bvesely@98kupd.com, bbogen@98kupd.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Other risks in the market you should be aware of    Since Covid, speculative investments have continued to rise in popularity. We have talked a lot about the risks we see in margin, crypto, private investments, and prediction markets, but now there is new data about the increasing popularity of leveraged funds and options. According to exchange-traded fund manager Direxion, it looks like leveraged and inverse funds, which can be very dangerous investments, saw average daily trading volumes of 1.41 billion in 2025. That's a gain of more than 130% from 2024 and 250% from 2020, the firm found. For those that aren't aware of these products, leveraged funds use derivatives to try and boost the return of an asset in up markets, but they also amplify losses in down markets. Inverse funds on the other hand try and produce the opposite performance of the underlying asset. It's not just these risky tools that have surged though as it is projected that average daily options volume hit 58 million in 2025, which is a roughly 26% increase from 2024 and is more than double the amount seen in 2020. For comparison purposes, stock volume expanded at a yearly pace of 10% between 2020 and 2025, while leveraged funds and options trading saw daily volumes grow at compound annual rates of 29% and 16%, respectively. Part of the reason for the huge increase in the volume for leveraged funds is that the total number of active leveraged funds grew by 50% in 2025, which was the largest annual increase since 2007. Ultimately, there continues to be more and more risk that is finding its way into this market. While it's great when things are going up, it could create a downturn that is more problematic than many believe is possible.      Ivy League Endowments have dismal returns because of private equity    I was concerned when I saw the Ivy League schools, who I thought would be the smartest people in the room, began investing in private equity a few years ago. The results are now in, and the returns are terrible. The best annual return goes to Cornell and for the years 2022 to 2025 they only had an annualized return of 5.7%. They were closely followed by Harvard at 5.5%. The worst performer is an embarrassment as Princeton only had an annualized return of 2.8%. A large reason for the low returns is that the managers of these endowment funds invested heavily in private equity as the category made up 40% or more of the portfolios for schools such as Harvard, Yale and Princeton. The endowment funds have tried to liquidate as much as they can, but the secondary market has been rather weak, and Yale and Harvard were only able to liquidate about $1 billion of their private equity holdings last year. I think we're in the second or third inning of how bad things will get with private equity and private debt. Unfortunately, many people, including foundations, will have poor performance and probably even some losses. A lesson to all investors, don't get sucked into a hype investment of any type as eventually the hype disappears and you end up with nothing but dismal returns or losses.      Is AI impacting the labor market?    The headlines look concerning as February payrolls showed a loss of 92,000 jobs in the month. This was well below the estimate which was looking for a gain of 50k jobs and January's reading of 126k jobs. January's reading was revised down by 4k, while December saw a major negative revision of 65k jobs and now shows a loss of 17k jobs in the month. Health care employment, which has been such a stable force, showed employment declined by 28k in February. This was largely due to the Kaiser Permanente strike that sidelined 30k workers. The strike has now been resolved, so this should be a big benefit in the March data. Another important factor to remember was the severe weather that likely had an impact on hiring across all sectors in the month. The federal government continued to show declines as payrolls declined by 10k in the month and since reaching a peak in October 2024, federal government employment is down by 330,000, or 11.0 percent. Looking specifically at sectors that could be impacted by AI, information saw a decline of 11k, and the industry has lost an average of 5,000 jobs per month over the prior 12 months. While this looks concerning and I do believe part of this is due to AI, I think a lot of the decline is due to a normalization after rapid hiring post Covid that led to bloated employment and waste at many companies. Another sector that could be impacted by AI/Robots is transportation and warehousing. This sector declined by 11k in February, but a good chunk of the job loss occurred in couriers and messengers, which fell by 17,000. I'm still not seeing robotic delivery trucks out there, so again this could be due to normalization or the weather. With that said, employment in transportation and warehousing has declined by 157,000, or 2.4 percent, since reaching a peak in February 2025. Many of the other major sectors like   construction, manufacturing, professional and business services, and leisure and hospitality saw little change in the month.   Overall, there was definitely not much strength in the report. It is important to remember that the employment rate is still healthy at 4.4%, so I'm still not overly concerned about the labor market. With that being said, it is definitely worth watching in the coming months.      Financial Planning: Beware of the Tax Hike Above $505k    For married couples with adjusted gross incomes between $505,000 and $606,333, there's a hidden tax increase caused by the way the state and local tax (SALT) deduction phases out. Below this range, taxpayers can deduct up to $40,400 in state and local taxes. As income rises through this band, that deduction gradually shrinks to $10,000, effectively losing $30,400 of deductions. Put another way, about $100,000 of extra income can increase taxable income by more than $130,000. Households at this level are usually in the 32% federal tax bracket, but because each extra dollar of income also reduces deductions, the real marginal tax rate jumps to roughly 42%. What makes this especially striking is that many people in this range are barely above the 24% bracket, meaning their marginal rate can spike from 24% to 42% over a relatively small income increase. Careful planning ahead can help avoid this sudden tax jump.    Companies Discussed: Planet Fitness(PLNT), Paramount Skydance Corp (PSKY), Old Dominion Freight Line Inc (ODFL), Salesforce (CRM)

00:00:00 – Cold open and micro-song banter 00:04:38 – Alex Jones clips of the week 00:09:19 – Shopping list bit and Spanky remembrance 00:13:50 – Missing Wright-Patt general sparks UFO suspicion 00:17:32 – Claude starts stealing ChatGPT's crown 00:21:22 – AI shrinks the Iran kill chain 00:26:14 – China eyes the physical AI lead 00:30:59 – The AI god thought experiment 00:35:59 – Giving machines souls and survival goals 00:41:01 – AI Star Wars mirrors real war anxiety 00:45:54 – Bill Cooper's Armageddon warning returns 00:50:55 – Dave Rubin turns on Tucker over Iran 00:55:03 – America First fractures over another war 00:59:58 – Candace Owens says Israel drives the policy 01:04:28 – Mark Levin and Ben Shapiro fire back 01:08:39 – Epstein blackmail chatter shadows the war push 01:13:41 – Ben Shapiro smears antiwar critics 01:18:39 – Trump assassination claims get folded into Iran 01:28:06 – Microsoft tries to censor "micro slop" 01:37:53 – Corporate jargon gets dragged 01:47:51 – Pizza toppings from hell 01:52:31 – San Francisco's poop bag cold case 02:01:51 – Sign-off and loose end-of-show chatter 02:06:49 – Microsoft micro songs close the night   Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research ▀▄▀▄▀ CONTACT LINKS ▀▄▀▄▀ ► Website: http://obdmpod.com ► Twitch: https://www.twitch.tv/obdmpod ► Full Videos at Odysee: https://odysee.com/@obdm:0 ► Twitter: https://twitter.com/obdmpod ► Instagram: obdmpod ► Email: ourbigdumbmouth at gmail ► RSS: http://ourbigdumbmouth.libsyn.com/rss ► iTunes: https://itunes.apple.com/us/podcast/our-big-dumb-mouth/id261189509?mt=2  

What's the real difference between a smart tool and an intelligent robot? In this special episode, AI futurist and author Steve Brown joins James and Keith to talk about the future of work, real estate, and humanity in an AI-powered world. They cover: Why agents won't be replaced—but do need to evolve The 4 waves of AI (generative, agentic, spatial, physical) The real threat (and opportunity) of humanoid robots How "AI alignment" is the single biggest challenge of our time Why the best agents in the future will be designers and orchestrators—not just doers If you've felt overwhelmed by the pace of change, this episode is both a wake-up call and a roadmap. The AI shift is happening now. The leaders who thrive will be the ones who learn to lead it.   Links mentioned in the episode: https://www.youtube.com/watch?v=675d_6WGPbo   Connect with Steve: Website: stevebrown.ai Book: https://amzn.to/45IQk4x Newsletter: synthetic.stevebrown.ai  AI training course: stevebrown.ai/ai-course LinkedIn: www.linkedin.com/in/futuresteve YouTube: www.youtube.com/@futureofai  Blog: www.stevebrown.ai/blog    Subscribe to Real Estate Insiders Unfiltered on YouTube! https://www.youtube.com/@RealEstateInsidersUnfiltered?sub_confirmation=1   To learn more about becoming a sponsor of the show, send us an email: jessica@inman.com You asked for it. We delivered. Check out our new merch! https://merch.realestateinsidersunfiltered.com/   Follow Real Estate Insiders Unfiltered Podcast on Instagram - YouTube, Facebook - TikTok. Visit us online at realestateinsidersunfiltered.com.   Link to Facebook Page: https://www.facebook.com/RealEstateInsidersUnfiltered Link to Instagram Page: https://www.instagram.com/realestateinsiderspod/ Link to YouTube Page: https://www.youtube.com/@RealEstateInsidersUnfiltered Link to TikTok Page: https://www.tiktok.com/@realestateinsiderspod Link to website: https://realestateinsidersunfiltered.com This podcast is produced by Two Brothers Creative. https://twobrotherscreative.com/contact/  

Feb 3, 2026: We start with the rise of "résumé Botox," where experienced professionals are removing years of experience just to get past hiring filters. Then we look at new data showing how Americans are rethinking what "safe jobs" look like in an AI-driven economy, with growing confidence in hands-on and blue-collar work. From there, we explore the next phase of automation as AI moves beyond screens and into the physical world — with robots learning to operate in messy, real-world environments. We also go inside Google's Project EAT to understand how one of the world's largest companies is turning AI from a personal productivity tool into a standardized operating model. Finally, we examine why the construction labor gap is shrinking — and why that may say more about slowing demand and capital cycles than a true solution to labor shortages. Each story stands on its own, but together they point to a bigger shift in how experience, skills, and job security are being redefined.

In this special episode of the Prime Venture Partners Podcast, the Partners come together to discuss how AI, new business models, and shifting global dynamics are reshaping startups and what founders should be preparing for as we head deeper into 2026 and beyond. From pragmatic AI adoption to new opportunities in services, SaaS, climate, and governance, this is a grounded conversation on what's actually changing and what still matters.⏱️ Timestamps:00:00 – Introduction01:30 – What Prime Is Willing to Bet On03:20 – AI Models vs Real Value Creation07:35 – Automation, Services and Opportunity11:30 – Moats and Distribution in an AI-First World20:00 – Why Fundamentals Still Matter24:05 – SaaS, Services and India's Global Opportunity28:25 – How AI Will Change Venture Capital37:40 – Predicting the Defining Startups of 203042:05 – Climate, Energy and Big Problems Becoming Solvable45:40 – Boards, Governance and AI Ethics52:10 – Closing Thoughts for Founders Building in 2026

In-person recording from MGM Grand, we share the highlights from CES including LEGO Smart bricks, multiple humanoid robots, the latest smart home gear, and what exactly is AI doing in everything?Note: No video episode this weekAd-Free + Bonus EpisodesShow Notes via EmailWatch on YouTube!Join the CommunityEmail Us: podcast@primarytech.fm@stephenrobles on Threads@jasonaten on Threads------------------------------Sponsors:Antigravity A1 - Get the world's first 8K 360 drone! Free launch pad when you buy here!CleanMyMac - Get Tidy Today! Try 7 days free and use my code PRIMARYTECH for 20% off at clnmy.com/PrimaryTechnology------------------------------Links from the showLIVE from the CES 2026 Show Floor! - YouTubeCES 2026 Day 1: Smart LEGO Bricks, AI Robots, and Smart Home - YouTubeThe State of Smart Home at CES - YouTubeLEGO Just Announced Its Biggest Innovation Since the MinifigThe Most Revealing Thing About Nvidia's New Chip Comes Down to the Name ★ Support this podcast ★

When AI robots start landing like superheroes, China rolls out combat-ready humanoids, and a surveillance screen at Skinwalker Ranch morphs into the words “I LIVING,” you know it's getting weird. In this Slingshot Nation Live replay, I break down the rise of AI house robots and military humanoids, what happens when tech is wired to the cloud and allowed to learn from our lives, and why this all feels a lot less “cool future” and a lot more dystopian prophecy. From Black Friday chaos to boycotts, Stranger Things, Dark, and the spiritual cost of a world built on subscriptions and smart machines, we're asking: what happens when the devices stop serving us and start serving something else? Then we get into the clip from the Shawn Ryan Show where Brandon Fugal describes Eric Bard's encounter at Skinwalker Ranch—the security system glitching, the screen melting, and the phrase “I LIVING” appearing in direct response to his verbal demand. I walk through why this fits the biblical category of principalities and second-heaven entities, not “friendly advanced intelligence,” and how it ties into this week's talk about the Dark Window and the partial Schumann Resonance blackout. Did you feel off—tired, anxious, glitchy, or strangely bold—during that window? We talk about frequencies, CERN, portals, spiritual warfare, and why the supernatural worldview of the Bible explains more of this than any New Age timeline-shift language ever will. If you like these deep dives into AI, the supernatural, Skinwalker Ranch, frequencies, and spiritual warfare, hit like, subscribe, drop your thoughts in the comments, and share this with someone who's paying attention to how weird things are getting. Please pray for Tony's wife, Lindsay, as she battles breast cancer. Your prayers make a difference! If you're able, consider helping the Merkel family with medical expenses by donating to Lindsay's GoFundMe: https://gofund.me/b8f76890 Become a member for ad-free listening, extra shows, and exclusive access to our social media app: theconfessionalspodcast.com/join The Confessionals Social Network App: Apple Store: https://apple.co/3UxhPrh Google Play: https://bit.ly/43mk8kZ Tony's Recommended Reads: slingshotlibrary.com If you want to learn about Jesus and what it means to be saved: Click Here My New YouTube Channel Merkel IRL: @merkelIRL My First Sermon: Unseen Battles Bigfoot: The Journey To Belief: Stream Here The Meadow Project: Stream Here Merkel Media Apparel: merkmerch.com SPONSORS SIMPLISAFE TODAY: simplisafe.com/confessionals GHOSTBED: GhostBed.com/tony CONNECT WITH US Website: www.theconfessionalspodcast.com Email: contact@theconfessionalspodcast.com MAILING ADDRESS: Merkel Media 257 N. Calderwood St., #301 Alcoa, TN 37701 SOCIAL MEDIA Subscribe to our YouTube: https://bit.ly/2TlREaI Reddit: https://www.reddit.com/r/theconfessionals/ Discord: https://discord.gg/KDn4D2uw7h Show Instagram: theconfessionalspodcast Tony's Instagram: tonymerkelofficial Facebook: www.facebook.com/TheConfessionalsPodcas Twitter: @TConfessionals Tony's Twitter: @tony_merkel Produced by: @jack_theproducer

The Rich Zeoli Show- Hour 3: 5:05pm- A new DNA analysis suggests that Nazi dictator Adolf Hitler likely suffered from a genetic disorder known as Kallman syndrome—meaning there was a 10% chance he had a micro penis! 5:10pm- Artificial Intelligence: China-based UBTECH Robotics has unveiled its new industrial humanoid robots—standing at 5'9” tall and costing nearly $180,000 each. Thanks to a dual-battery/autonomous swap feature the robots are capable of working 24/7. Meanwhile, a Russian produced humanoid robot took three steps prior to collapsing during its debut in Moscow. 5:20pm- Is Jasmine Crockett the future of the Democratic Party? Charlamagne Tha God insists she is—though, polling data says otherwise. 5:30pm- Coast to Coast Commies! The next mayor of Seattle will be Katie Wilson—a self-described socialist who openly admits that her parents subsidize her lifestyle at age 43! She has held jobs as a barista, boatyard worker, apartment manager, lab technician, baker, construction worker, and legal assistant, but didn't work a full-time job until her late 30's despite attending Oxford University!