Podcasts about American Dream

Keith Gross, legal analyst and former Assistant State Attorney and prosecutor for the State of Florida and served in the Montana National Guard. He is author of Dirt Roads to Runways: Defending the American Dream for the Next Generation. The Battle of Los Angeles

Matt Crawford speaks with author Christina Li about her debut adult novel, The Manor of Dreams. Vivian Yin is dead. The first Chinese actress to win an Oscar, the trailblazing ingénue rose to fame in the eighties, only to disappear from the spotlight at the height of her career to live out the rest of her life as a recluse. Now her remaining family members are gathered for the reading of her will, and her daughters expect to inherit their childhood home: Vivian's grand, sprawling, Southern California garden estate. But due to a last-minute change to the will, the house is passed on to another family instead—one that has suddenly returned after decades of estrangement. In hopes of staking their claim, both families move into the mansion. As Vivian's daughters race to piece together what happened in the last weeks of their mother's life, disturbing visions and bizarre behaviors start to take hold of everyone in the house, forcing them to realize they are being haunted by something far more sinister and vengeful than their regrets. After so many years of silence, will the families finally confront the painful truth behind the house's origins and the last, tragic summer they spent there—or will they cling to their secrets until it's too late? Told in dual timelines, spanning three generations, and brimming with romance, betrayal, ambition, and sacrifice, The Manor of Dreams is a thrilling family gothic that examines the true cost of the American Dream—and what happens when the roots we set down in this country turn to rot.

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In part 2 of Jeff Park's interview with Unchained, he describes ways that both everyday investors and the U.S. government can use various crypto assets to come out on top as old models and strategies become outdated.  He reveals the three personal stories that led him to develop his radical portfolio theory, puts himself in the shoes of Treasury Secretary Scott Bessent, and explains why Japan is the linchpin in the transition to this new world order. In this episode, we explore: Why Jeff believes the future belongs to wholecoiners The social mission behind owning bitcoin How the U.S. could leverage stablecoins to maintain global dominance Why the new American dream might not involve a house at all And why, in Jeff's words, we may already be “living in a Bitcoin-only world.” Visit our website for breaking news, analysis, op-eds, articles to learn about crypto, and much more: unchainedcrypto.com Thank you to our sponsors! Xapo Bank Bitwise Guest: Jeff Park, Head of Alpha Strategies at Bitwise Part 1 of Jeff on Unchained: Jeff Park Says the 60/40 Portfolio May Be Dead. Here's His Radical Fix  Timestamps:

What would happen if you stopped pursuing a career destination and focused instead on the best direction? Too often, we find ourselves checking the “right” boxes to get the best degree and climb the corporate ladder, only to find ourselves unfulfilled as we near the top. There's something wrong with that picture.Megan Hellerer, the author of “Directional Living: A Transformational Guide to Fulfillment in Work and Life,” joins me to talk about the approach she has adopted and the one she now teaches. Directional living is about recognizing that human beings change over time. It's about eschewing a Final Destination and the resulting roadmap and instead focusing on what aligns with our lives and goals as we go through life.Embrace Megan's individualized approach to constructing a fulfilling life and career:Why the American Dream just isn't serving us anymore;Why we can't define fulfillment by society's limiting perception of success;How recalibrating your inner thermostat can help you start living directionally;Why the idea of “failure” is overrated and what to focus on instead.Related Links:Buy “Directional Living: A Transformational Guide to Fulfillment in Work and Life” by Megan Hellerer - https://meganhellerer.com/directional-living-bookLearn more about Megan's coaching - https://meganhellerer.com/work-with-meConnect with Megan on Instagram - https://www.instagram.com/meganhellerer/LEVEL UP: a Leadership Accelerator for Women on the Rise - https://www.bossedup.org/levelupBossed Up Courage Community - https://www.facebook.com/groups/927776673968737/Bossed Up LinkedIn Group - https://www.linkedin.com/groups/7071888/

In this episode of Michelle Barone RED, we sit down with the unforgettable GinaMarie from Big Brother! From reality TV fame to real-life hustle, GinaMarie opens up about her journey beyond the show, her love for animals, and the passion behind her dog food company. Get ready for laughs, heart, and unfiltered stories you've never heard before. This episode is all about bold moves, big dreams, and staying true to who you are.-----------------------------------------------------Support Our Sponsors!Mental Health America of Dutchess County: Dedicated to promoting mental health and providing comprehensive support services to individuals and families. Learn more and find resources at https://mhadutchess.org. WAVA Water: Discover how Wava Water goes beyond hydration to fuel your body and mind. Visit wavawater.com to find your focus and stay refreshed.Mahoney's Irish Pub: Friday nights at Mahoney's Irish Pub are where the vibes are HIGH, the drinks are flowing, and the weekend officially begins! From Orphan to Millionaire: From the gunfire of a Colombian nightmare to the fulfillment of the American Dream, discover Steve Prohaska's gripping journey to survival in his unyielding memoir. https://bigstevebigmoves.com/product/book/ -----------------------------------------------------Subscribe to the podcast now: https://www.youtube.com/@michellebaroneredpodcast Check out RED on Instagram: https://www.instagram.com/michellebaronered?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw== Follow Michelle Barone Instagram:  https://www.instagram.com/michellebaroneonline/ Tiktok: https://www.tiktok.com/@michellebarone?is_from_webapp=1&sender_device=pc Follow Ashleigh McPhersonInstagram:  https://www.instagram.com/ashhmcpherson/ Tiktok: https://www.tiktok.com/@ashhmcpherson?is_from_webapp=1&sender_device=pc YouTube: https://www.youtube.com/@Ashmcpherson Check out RED for more: https://michellebaroneonline.com/ 

Ryan McDermott, author of Downriver: Memoir of a Warrior Poet and Former Senior Pentagon Official. This Father's Day, Let's Talk About the Invisible Weight Some Dads Carry Young People are Skeptical of the American Dream

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog and author of "Inflated: Money, Debt and the American Dream," returns to the show with a monthly update on markets and the economy.Sponsors: Monetary Metals. https://monetary-metals.com/julia Kalshi: https://kalshi.com/juliaIn this episode, Whalen argues the Fed's easy money era is over, with no rate cuts coming this year and traditional monetary policy failing to help Main Street. He warns of a "silent subprime crisis" brewing in multifamily real estate and sees stagflation ahead - low growth with persistent inflation eating away at real purchasing power. Whalen advocates for gold as protection against currency debasement and explains why recession odds have dropped to 27% despite structural economic challenges from commercial real estate to student loan repayments as pandemic-era programs wind down.Links:    Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/   Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Timestamps:00:10 - Introduction of Chris Whalen 02:11 - Big picture market outlook and elevated interest rates 04:30 - No rate cuts coming this year discussion 05:38 - Trump's "big beautiful bill" and Senate dynamics 06:17 - Fed balance sheet reduction and inflation persistence 08:02 - Silent subprime crisis in multifamily real estate 09:13 - Mixed bag stock market outlook explanation 10:42 - Recession probability13:20 - Real estate opportunities and putting deals together 14:04 - Jay Gould and Jim Fisk arbitrage between gold and paper 16:57 - Fed's 2% inflation policy and its impact on savers 18:20 - Gold as anti-dollar hedge discussion 19:38 - Fall of fiat and return to sound money debate 21:00 - Why dropping rates no longer stimulates Main Street 22:13 - Chris's proposal to freeze government spending 24:11 - Banking system fluff and lack of credit demand 25:46 - Real vs nominal growth and stagflation 27:43 - Fannie Mae and Freddie Mac conservatorship discussion 30:00 - Closing thoughts and where to find Chris's work

Send us a textAMERICAN NIGHTMARE. Real Estate - Stocks - Taxes - Insurance - Healthcare

Ryan speaks with documentary filmmaker, Jonathan Berman, about his film, Calling All Earthlings, based on the life and work of George Van Tassel. In 1947, George Van Tassel, a Howard Hughes employee and confidante, suddenly quits working for his mentor and ditches the straight life, moving deep into the Mojave Desert where he and his family sleep under a rock. He leaves behind a tattered Los Angeles in the grips of postwar paranoia, opting for the quietude of the Joshua Tree area. It is during an August 1953 full moon that Van Tassel has an encounter with extraterrestrials, who give him the information to build a rejuvenation machine he dubs “The Integratron.” Is Van Tassel crazy or could the Integratron really work? FBI agents try to halt the army of eccentrics who gather in the desert to create a collective, possibly threatening reality on the edge of the American Dream. A gentle inquiry into alternative culture, the story is told by the current residents of the Joshua Tree area, who must defend against rampant militarism and commercialization, all while still waiting for their spaceship.Watch Calling All Earthlings: https://tubitv.com/movies/514481/calling-all-earthlingsPlease take a moment to rate and review us on Spotify and Apple.Book Ryan on CAMEO at: https://bit.ly/3kwz3DOPatreon: http://www.patreon.com/somewhereskiesByMeACoffee: http://www.buymeacoffee.com/UFxzyzHOaQPayPal: Sprague51@hotmail.comDiscord: https://discord.gg/NTkmuwyB4FBluesky: https://bsky.app/profile/ryansprague.bsky.socialTwitter: https://twitter.com/SomewhereSkiesInstagram: https://www.instagram.com/somewhereskiespod/Tik Tok: https://www.tiktok.com/@ryansprague51Order Ryan's new book: https://a.co/d/4KNQnM4Order Ryan's older book: https://amzn.to/3PmydYCStore: http://tee.pub/lic/ULZAy7IY12URead Ryan's articles at: https://medium.com/@ryan-sprague51Opening Theme Song by SeptembryoCopyright © 2025 Ryan Sprague. All rights reservedSupport this show http://supporter.acast.com/somewhere-in-the-skies. Hosted on Acast. See acast.com/privacy for more information.

Today:Trump deployed the national guard in California, without the consent of Governor Gavin Newsom. We talk through the existential questions of presidential authority with retired federal judge Nancy Gertner. Plus, her suspicions about the government's new charges of human trafficking against a man they wrongly deported, Kilmar Abrego Garcia.And, journalist Adam Chandler argues in his new book “99% Perspiration” that the American Dream equating hard work with success has turned out to be more of an American fantasy.

Title: Practicing the Way — The Practice of Simplicity & GenerosityMain Texts: 1 Timothy 6:6–10; Luke 12:15; Mark 4:18–19; Matthew 19:23–24; Luke 11:39, 41Big Idea: Greed is one of the most deceitful sins—it quietly damages our hearts and distorts our desires. The antidote is the practice of simplicity and generosity.Key Points:The Deceitfulness of GreedGreed is rarely confessed. It's easy to justify, often hidden beneath surface sins.Paul warns: “The love of money is a root of all kinds of evil” (1 Timothy 6:10).Greed traps us in the endless cycle of “more, more, more”, which never satisfies.How Culture Feeds GreedWe live in an era of surveillance capitalism—algorithms constantly fuel discontent and desire.Marketing sells feelings, not products: status, security, confidence, adventure.The American Dream is built on the myth of more: “If I just had a little more, then I'd be happy.”But in reality, the more we get, the more empty we often feel.Jesus' Warnings About WealthLuke 12:15 — “Be on your guard against all kinds of greed.”Mark 4:18–19 — Wealth is not evil, but it's deceitful. It chokes out spiritual life.Matthew 19:23–24 — Jesus warned that wealth can make it very difficult to enter the kingdom.Greed is a heart issue—not about income level, but about attachment and priority.Money Isn't Bad, but the Love of It IsWealth itself can be used for great good.But when money becomes the goal, it corrupts our motives and relationships.Pride, anxiety, contempt for others all increase when wealth becomes identity (TED Talk: Does Money Make You Mean?).The Antidote: Simplicity and GenerositySimplicity isn't about poverty; it's about intentionality.Luke 11:41 — “Be generous to the poor, and everything will be clean for you.”Generosity cleanses the heart by reminding us that we already have enough—and that life is found in giving, not hoarding.Personal Story of Radical GenerosityThe story of a family who gave sacrificially to meet tangible needs after a time of personal family crisis.True generosity leaves a legacy—not just in stuff, but in lives transformed.Final Challenge:The kingdom of God runs counter to the myth of more. Live simply. Give generously. Find contentment—not in what you accumulate, but in what you release.

Welcome to Night Blooming Jasmine A podcast about Twin Peaks, dreams, and the spiritual imagination. I'm your host, Sofia Mella.The show Twin Peaks came out in 1990, when I was 11 years old, and somehow, I understood it perfectly. The fictional town under the shadow of Laura Palmer's murder shaped my young mind, and influenced the rest of my life, and thousands of others like me.This is not a recap podcast. I won't try to explain Twin Peaks. Many have tried. All have failed.Instead, I'll explore spiritual symbols and the soul in crisis. Look for clues in Buddhist and Vedic philosophy, The Upanishads, and dream logic. And dive down deep into what David Lynch called the unified field, where all ideas come from.The veil is thin in Twin Peaks. The American Dream conceals the American Nightmare…. sometimes.In January 2025, during the LA fires, David Lynch passed away. He was 79. He's buried at Hollywood Forever Cemetery. His headstone reads: Night Blooming Jasmine.This podcast is named in his honor. And for Los Angeles — City of Angels, City of Fire, city of flowers that bloom after dark.

Kelly Cates is joined by The i Paper's chief football writer Daniel Storey, Sports economist Victor A. Matheson & football finance expert Kieran Maguire, as they delve into the rising number of American owners across British football. It's 20 years since the Glazer family's highly-controversial and highly-leveraged takeover of Manchester United. Throughout those two decades, the Glazers have been the prime target of fan protests with “Glazers out” still ringing around Old Trafford. So over the course of this episode you'll hear why US investors are obsessed with British football, and how real are the concerns that US owners could collude to “Americanise” the traditions of English football from the removal of promotion and relegation to moving matches overseas and relocating clubs to other cities.

I delve into the stories of three of my favorite L.A. American Dream Stories: Porto's Bakery, Fatburger, and Vallarta. Inspirational, iconic, and impactful - these are three fascinating origin stories that helped define L.A. culinary culture.

Millennials may be the largest generation in America, but their homeownership rate is lagging far behind earlier generations—and Gen Z is starting even slower. In today's episode, we explore why affordability challenges are redefining the American Dream and reshaping the future of homeownership. Plus, we break down new Redfin data showing a sharp drop in home listings and buyer activity, signaling a cooling market heading into summer. Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Gen Z has come of age amid a pandemic, growing polarization, and deep distrust of bureaucratic institutions. How does this shape their political and economic views? Do they still believe in the American Dream? Economic analyst and author Kyla Scanlon joins FP Live to discuss. Suggested reading: Institute of Politics: Spring 2025 Harvard Youth Poll Kyla Scanlon: Gen Z and the End of Predictable Progress Kyla Scanlon: FAFOnomics: How Chaos Became America's Economic Strategy Kyla Scanlon: Dollar Devaluation and the Antisystem Youth Kyla Scanlon: In This Economy? How Money and Markets Really Work? Kathleen J. McInnis: How to Sell NATO to Gen Z Joseph E. Stiglitz: Big Tech Is Trying to Prevent Debate About Its Social Harms Jeongmin Kim: Why Young Koreans Love to Splurge Learn more about your ad choices. Visit megaphone.fm/adchoices

Brune and Shea discuss the massive implications of LSU's recruiting this summer with the top names to know at key positions. Are you… Ready to leave the corporate Rat Race for the American Dream? Looking for a side hustle while working your current job? Wanting to diversify, build wealth, and/or leave a legacy? Andy Luedecke can help!!! Andy is a franchise consultant (as well as franchise owner) and helps people find franchises that fit their skill sets, financial requirements, time to commit and more… His services are 100% free and he's here to help if you have any questions about business ownership. Contact Andy! Andy@MyPerfectFranchise.net or 404-973-9901

In this inspiring episode of the Pu'u Muay Thai Podcast, Jonathan Puu welcomes Daniel Chacon of Denver Muay Thai to Teep Studios via Zoom. From arriving in the U.S. as a child refugee from Argentina to becoming a U.S. citizen, Muay Thai gym owner, and coach—Daniel shares the raw and emotional story of how martial arts transformed his life.Hear how a chance encounter with UFC legend Rich Franklin lit the spark that changed everything, and how Daniel now uses his platform to give back to the next generation of fighters. We also discuss:What it was like competing as an undocumented fighter for Team USAHow Daniel hustled through college, bar shifts, and teaching kids to afford trainingHis first trip to Thailand after years of waitingThe deep influence of legends like Ajarn ChaiWhat drives him to build a culture of purpose at Denver Muay ThaiWhether you're a fighter, coach, or simply love real stories of grit and growth, this episode is packed with insight, humor, and heart.

In this episode of the Young Dad Podcast, host Jey Young speaks with Erica D'Arcangelo, author of 'A Story About Pizza,' which chronicles her grandfather's journey from Italy to America and the family's legacy in the pizzeria business. They discuss the rich history of Italian immigrants, the importance of family traditions, and how food plays a central role in their culture. Erica shares insights into her grandfather's resilience, the evolution of their family pizzeria, and the significance of passing down recipes and traditions to future generations. The conversation also touches on misconceptions about Italian culture and the art of pizza making, culminating in a fun rapid-fire segment. TakeawaysErica's grandfather's journey reflects the resilience of Italian immigrants.Family traditions are crucial in maintaining cultural identity.Food plays a significant role in family gatherings and bonding.The importance of passing down recipes to future generations.Pineapple on pizza is a controversial topic among pizza lovers.The pizzeria serves as a legacy for Erica's family.Cooking with love and care enhances the quality of food.Italian culture emphasizes loyalty and family first.The evolution of the family pizzeria showcases adaptability.Erica's passion for Italian culture is evident in her work.Chapters00:00 Introduction to the Young Dad Podcast and Erica's Journey01:05 The Inspiration Behind 'A Story About Pizza'04:04 The Legacy of Italian Immigrants and the American Dream07:47 Growing Up in the Family Pizzeria11:10 The Role of Food in Family Traditions15:48 Cultural Significance of Italian Family Gatherings20:26 Preserving Family Recipes and Traditions24:06 Misconceptions About Italian Culture27:59 The Evolution of Family Roles and Careers32:22 The Pizzeria's Legacy and Current Operations33:04 Next Generation of the Pizzeria36:18 Celebrity Visits and Community Engagement38:03 Evolution of the Pizzeria40:59 Authenticity in Ingredients45:31 The Art of Pizza Making50:15 Rapid Fire Questions and Personal InsightsCheck out the Website for Interactive Activity Guides, Resources, Full Transcripts, all things YDP- ⁠⁠www.youngdadpod.com Clink the Link for YDP Deals (Joon, Forefathers &more)- ⁠https://linktr.ee/youngdadpod Want to be a guest on Young Dad Podcast? Send Jey Young a message on PodMatch, here: https://www.joinpodmatch.com/youngdadLastly consider a monetary donation to support the Pod, https://buymeacoffee.com/youngdadpod

Welcome back to America's #1 Daily Podcast,  featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris?  Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206. ************************

In this episode of the Latin Wealth Podcast, we dive into major developments shaping Latin America's economic and political landscape in 2025. From Costa Rica's quiet rise as a high-tech powerhouse to China's growing influence across Latin America — and the unexpected shift of Latin American migration from the U.S. to Spain — we break down what these global shifts mean for Latinos around the world.Segment 1: Costa Rica's Tech TransformationCosta Rica is becoming Latin America's high-tech hub, recording over $32 billion in exports in 2024. With investments from global tech giants like Intel and Boston Scientific, and a booming medical device sector, this Central American nation is showing the power of innovation, sustainability, and national branding. We discuss how this model could inspire other countries in the region.Segment 2: China's Visa-Free PlayChina is expanding visa-free travel to citizens of Brazil, Argentina, Chile, Peru, and Uruguay. This is more than a tourism policy — it's a strategic move to deepen China's presence in Latin America. We discuss what this means for global partnerships, trade routes, and diplomatic influence in the Western Hemisphere.Segment 3: “The American Dream is Over?”Trump's aggressive deportation policies are causing many Latin Americans to abandon the U.S. for Spain. We explore how political pressure, cultural ties, and economic opportunity are reshaping migration patterns, and what this means for Latinos chasing opportunity abroad.This episode covers:- Latin America's tech innovation and economic growth- China's bold diplomatic strategies in the region- How shifting immigration policies are changing the Latino diaspora- The future of the American Dream for Latin communities

Those in healthcare - or elsewhere - facing private equity's relentless encroachment will want to listen up. Journalist Megan Greenwell, author of Bad Company: Private Equity and the Death of the American Dream, joins us to share her reporting on four regular Americans - working in four different fields - who fought against private equity.

Private Affluence and Public Squalor: Social Injustice and Economic Misery in America Paul L Nevins Privateaffluenceandpublicsqualor.com Amazon.com Are the values that Americans collectively hold destroying the American Dream? The answer to that question depends upon the answers to some very specific questions. What do we as citizens of the United States believe we owe to one another as citizens? What is the purpose of government? What is of the role of the private enterprise? What is the meaning of equal opportunity? To what extent should purely economic concerns be regulated in the public interest? The answers to these questions reveal our values and define the role that each of us chooses to play as a participant in our country's political and economic affairs. As the role of government in the economic life of the nation has become increasingly diminished, the effort to create a market economy that is unfettered by public oversight and regulation has emerged triumphant—to the detriment of the values that we should share as citizens.

In this episode of RED, Michelle Barone and Ashleigh McPherson sit down for a candid catch-up on how far the podcast has come—from its humble beginnings to star-studded red carpets. They're joined by their favorite girl, Gabby Ferrone, the behind-the-scenes MVP who helps bring it all to life. Expect behind-the-scenes tea, favorite celeb moments, travel stories, laughs, and a whole lot of love for the RED team. This one's a feel-good celebration of growth, gratitude, and girl power.-----------------------------------------------------Support Our Sponsors!Mental Health America of Dutchess County: Dedicated to promoting mental health and providing comprehensive support services to individuals and families. Learn more and find resources at https://mhadutchess.org. WAVA Water: Discover how Wava Water goes beyond hydration to fuel your body and mind. Visit wavawater.com to find your focus and stay refreshed. Pixi Beauty: Discover the natural glow with Pixi Beauty products. Shop now at https://pixibeauty.com and let your skin shine. Mahoney's Irish Pub: Friday nights at Mahoney's Irish Pub are where the vibes are HIGH, the drinks are flowing, and the weekend officially begins! From Orphan to Millionaire: From the gunfire of a Colombian nightmare to the fulfillment of the American Dream, discover Steve Prohaska's gripping journey to survival in his unyielding memoir. https://bigstevebigmoves.com/product/book/ -----------------------------------------------------Subscribe to the podcast now: https://www.youtube.com/@michellebaroneredpodcast Check out RED on Instagram: https://www.instagram.com/michellebaronered?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw== Follow Michelle Barone Instagram:  https://www.instagram.com/michellebaroneonline/ Tiktok: https://www.tiktok.com/@michellebarone?is_from_webapp=1&sender_device=pc Follow Ashleigh McPhersonInstagram:  https://www.instagram.com/ashhmcpherson/ Tiktok: https://www.tiktok.com/@ashhmcpherson?is_from_webapp=1&sender_device=pc YouTube: https://www.youtube.com/@Ashmcpherson Check out RED for more: https://michellebaroneonline.com/ 

Is the push for American Made an open door to a would be entrepreneur? In this Tough Things First podcast, Ray Zinn tells us how it could be done for those seeking the American Dream. Ray Zinn: Hi Rob. How's it going today? Rob Artigo: Great. So with a nation, I feel like we're in a mode of… There's turmoil […]

Author and financial expert, Chris Whelan, joins Keith as they explore the intricacies of the housing market's potential future. Chris drops an intriguing prediction of a possible 20% price correction. They dive deep into the complex world of real estate, examining the pandemic's significant impact on mortgages and economic trends. The conversation reveals the behind-the-scenes challenges of the housing market, from government interventions to the nuanced effects of interest rates and forbearance programs. They unpack the struggles in commercial real estate, particularly highlighting the unique challenges in markets like New York's rent-controlled properties. Chris's new book "Inflated: Money, Debt, and the American Dream" promises an insightful journey through America's economic transformation, tracing how the nation evolved from an agrarian society to a global economic powerhouse. Show Notes: GetRichEducation.com/556 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.  You get paid first: Text FAMILY to 66866 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— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, what's the state of the housing market for the next five years, and could what's happening in the foreclosure market affect it? I see relative housing market price stability. My guest sees cracks. This could be somewhat of a debate today, then two great new cash flow and real estate markets in the same state that we're helping your portfolio with on get rich education, mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter, remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Corey Coates  1:56   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  2:12   Welcome to GRE from Edison, New Jersey to Edinburgh, Scotland, where I am today, and across 188 nations worldwide, I'm Keith Weinhold, and you are back for another wealth building week on get rich education. Today's guest came to me recommended. It came from a guest that we've had on the show here before, Jim Rickards and his daughter Ally Rickards. His name is Christopher Whelan. He has a distinguished background. Comes from a prominent family, and he's the author of a new book that just published a few weeks ago. His father, Richard Whelan, was the biographer of Joe Kennedy, and was advisor to presidents and Fed chairman and today's guest, his son there, Chris. He has done a lot of work in DC. He lives just north of New York City today. So I guess coming recommended from Jim Rickards and learning a few things about today's guest helped me want to host him on the show. So though I'm just meeting him for the first time right here on the show, as it turns out, I learned that he has mentioned on other channels that real estate prices could correct down 20% and fall back to 2020 levels. I absolutely don't see how that's possible in any way. I'm going to bring that up with him, so we'll see. This could turn into somewhat of a debate. Like I said last week, I believe that significantly falling housing prices. That's about as likely as grocery store prices falling back to 2020 levels. Yes, I am in Edinburgh, Scotland today. It's my first time here. My mom, dad and also my brother's entire family came over from the US to meet up. It's been great. We're taking in all the best sites, Edinburgh Castle, other castles, the Scottish Highlands, Loch Ness, though I don't believe in any Loch Ness monster at all. I mean, come on, what a hoax. And we're seeing some other sites, though it didn't really interest the others, which I could understand. I visited the home where Adam Smith once resided, and I might put my video about that on our get rich education YouTube channel, so you could check that out over there. Of course, Adam Smith is considered the father of modern day economics for his work on supply versus demand and the GDP concept, the invisible hand, concept, much of that work conveyed in his magnum opus, The Wealth of Nations, published in 1776 as for the present day, let's meet this week's guest, including me, meeting him for the first time.     I'd like to welcome in a first time guest. He's the author of a widely acclaimed new book. It's named inflated money, debt and the American dream. It just released, and the book couldn't be more timely with the multitude of challenges related to inflation, many involving the housing market in his earlier books, he's been known, frankly, for just telling his readers the truth. He's worked at the Federal Reserve Bank of New York in politics and as an investment banker for more than 30 years. Today, he runs Whalen Global Advisors. You've seen him on CNBC in the Wall Street Journal, and now you're hearing him on GRE Welcome to the show. Chris Whalen.   Chris Whalen  5:43   Thank you, Keith, appreciate your invitation.    Keith Weinhold  5:45   Whalen is spelled W, H, A, l, e, n, if you're listening in the audio only, Hey, Chris, we're in a really interesting time in the economic cycle. We all know the Fed has a dual mandate, high employment and stable prices. What's interesting to me is, late last year, they cut rates by a full 1% and this is despite inflation being above target. Makes me wonder if they care more about high employment and they're rather willing to let inflation float higher. What are your thoughts?    Chris Whalen  6:18   I think historically, that's been the case. You know, the dual mandate Humphrey Hawkins, that drives the Fed's actions today was a largely socialist compromise between the Republicans and the Democrats. The Democrats wanted to guarantee everybody a job after World War Two, the legislation was really about soldiers and people who had served their country in many, you know, places around the world, for a long time, and then you would have the depression. So you had a whole generation or more of people that were looking for help when they came home. And that's what this was. But today, you know, there's another mandate, which is called keeping the treasury bond market open. We saw it was during COVID in 2020 President Trump got up, declared that people didn't have to pay their rent or their mortgages, and then didn't do anything. There was no follow up. At the time, folks in mortgage industry kind of looked at each other funny for about 60 days and said, What's going to happen? Because they have to advance principal, interest, taxes and insurance to protect the house. The first rule in mortgage finances protect the asset. But it all worked because the Fed dropped interest rates to zero and we had a boom. We refinanced two thirds of every mortgage in the United States, and that cash flow allowed the finance forbearance for millions of Americans. Now the unfortunate part, of course, was home prices went up double digits for six years. So why we had no affordability today? So, you know, it helped, but it certainly didn't help in some ways,   Keith Weinhold  7:48   mortgage loan forbearance back in the COVID era about five years ago, where you could basically just skip your mortgage payment and then they increase the overall duration of your loan period.   Chris Whalen  8:00   That's right. So you know, your government market, your conforming market, were falling. They also had various schemes, state forbearance for non agency loans. Nobody thought at all about the multifamily sector and the developers that didn't get paid for two years. And we're feeling the impact of that. Of course, today, that's probably the biggest pain point in US economy today is commercial real estate and multi family real estate, and neither one of them involves a consumer. So it gets no attention at all. You read about it in the specialty press, but that's about it.    Keith Weinhold  8:34   And by talking about multi family not affecting the consumer, you're just talking about who's on the owner side there?   Chris Whalen  8:40   precisely if all of the consumers have problems, you'd hear about it, and you do, especially in some of the blue states. I live in New York, so we have some of the more aggressive rent stabilization, rent control laws in the country. And they go back to World War Two. They go back almost a century,   Keith Weinhold  8:58   right? It's those people in the one to four unit space in residential real estate investing that really got the help there.    Chris Whalen  9:06   Well, at least, you know, the world didn't end. Imagine if all of those people had gone to foreclosure. The industry wouldn't have done that. Of course, they would have thrown up their hands and cried for help. But the point is, they made it work. But the cost of making it work that zero interest rate regime that the Fed put in place is still being felt today. If you look at banks which typically have prime large mortgages on their books, the loss given default is zero. Home prices are so high that if somebody actually goes to foreclosure, they sell the house, they pay off the loan easily, and there's usually a large residual left, which would go to the homeowner. So today, you know, if somebody gets in trouble, we do a short sale, we do a deed in lieu, and off they go. And that's why the stats don't show you the pain that many American families are feeling today, because about 60% of all payoffs of one to four family mortgages are people who. Are exiting the market, they're not going to buy another house. So what that means is that the cost of home ownership, or whatever other factors are involved, has made them make the decision not to go to another home mortgage.    Keith Weinhold  10:13   Yes, we have this historically low affordability that's beginning to be reflected in the home ownership rate. It's trended down from about 66 to 65% recently, we continue to be in this environment here, Chris in the one to four unit space, where those existing homeowners are in really good shape. They have record high equity levels of over 300k A lot of them have their home paid off. About 40% of American homeowners own their home free and clear, and of the remainder, those borrowers, 82% still have a mortgage rate of under 5% and of course, that principal and interest payment stays fixed. So even if there's economic hardship, it's pretty easy for people to make their payments and stay in their homes.   Chris Whalen  11:02   Well, it certainly is for most of the marketplace. If you look at the bottom 20% the FHA market, also the VA market, there's a little more stress there. There's still an awful lot of people who are in various types of forbearance in that market. That's going to end in October. So the Trump administration is pushing most of the rules back to pre COVID approaches for delinquency, for example, what we call the waterfall. And what that basically means is that if an FHA borrower gets in trouble, they'll have one shot at a modification where they lower the loan cost and stick part of the loan out the back to be paid off when the house is sold. If that doesn't take, if they don't re perform, then they're going to go to a foreclosure. We just ended another program for veterans. You know, they had three weeks notice, so now you're going to see a lot of veterans going to foreclosure. Unfortunately.   Keith Weinhold  11:56   yes, this administration is basically making sure that people are responsible or resume their payments. We've seen that student loan repayments needing to resume as well. Most foreclosure rate types are still pretty low, but yes, FHA foreclosure rates are higher than those for conventional loans.    Chris Whalen  12:15   Yeah, the interesting thing is, the veterans delinquency rate is half of the FHA rate, and even though people in uniform don't make a lot of money, they pay their bills. Yeah, it's quite striking.   Keith Weinhold  12:25   Why don't you talk to us more about areas where you see distress in the housing market before we talk about more inflation? Chris, the   Chris Whalen  12:34   key areas of housing stress at the moment are commercial real estate that has become underutilized. COVID drove a lot of this, but also the fact that industries could change their work practices. It could have people work from home. Look at housing. We sent everybody home in 2020 while we increased headcount by a third to address a surge in lending volume. It was insane. I gotta tell you, we were hiring people that we didn't see for months that changed the business model assumptions for a lot of industries. A lot of them moved out of blue states and went down to Florida and Texas. In the mortgage industry particularly, and so we have a lot of older real estate particularly, that is suffering. It has dropped in terms of appraised values. You also have higher interest rates and higher cap rates, that is to say the assumption of returns on the part of investors. So that hurdle has made a lot of these properties impaired, essentially. And then the other subclass is older multifamily properties. Think about those beautiful old apartments in the middle block up on the east side or the west side of Manhattan. They're not big enough to be viable, and so they have become this kind of subprime asset class, much in the way if you recall the signature bank failure, they typically bank these sorts of real estate properties, and now there's nobody that wants them. I think you're going to see some very specific pain coming out of HUD, and also Fannie Mae and Freddie Mac because they bank some of these smaller properties that really aren't bankable by commercial banks. That's what it comes down to. If you're going to read about this and hear about it a lot in the commercial market over next several years. And again, you know, the losses on bank owned multifamily properties today are averaging 100% so that means that there are a lot that have more expenses than simply losing the full loan amount. And you know, if you want to have a bank loan, they're not taking these properties. They don't want them, right? So the bank, REO rate, if you look at the data from the FDIC, is zero. And what that tells you is that they can't sell the properties they don't want them, because if they take ownership, the city's not going to let them abandon the property. They'll have to keep it and maintain it. It's a tough situation. This is. Has evolved over the last 20 years or so, because consumer incomes have been kind of stagnant in real terms. But the cost of operating a property in New York City is not going down. It's going up quite a lot, and the legislation we've seen from Albany doesn't allow owners to recapture expenses, doesn't allow them to renovate apartments. So if I have a rent stabilized apartment, I'll use a real example, in a beautiful building on Central Park South right, to renovate a unit that's been occupied for 20 years, new kitchen, new bathroom, sir, everything services. That's $150,000 so if I'm the owner and I can't recapture that cost. What do I do? I lock the door, I gut the apartment, and I lock the door, and I hope that the laws will change in the future, because I can't rent it, my insurance underwriter will not allow me to rent out an apartment that's not brought up to code. That's New York law, but the folks in Albany don't care about that. We have some really unreasonable people in positions of authority, unfortunately, in some of these states, and you talk to them about these issues, and they don't care. They just pander to consumers, regardless of whether or not it makes sense or not. And that's just the way it is.   Keith Weinhold  16:15   Those evil landlords, quote, unquote, most right evil. They're just mom and pop investors that are trying to beat inflation with real assets, and they have real expenses. Rent Stabilization basically just being a genteel term for rent control, which gives no one an incentive to improve a property for sure   Chris Whalen  16:35   and it reduces the availability of housing ultimately, because nobody builds. You see that in New York right now the home market is pretty tight, up to the conforming limit for Fannie Mae and Freddie Mac so you figure a million, 1,000,002 here in New York. But above that, it's quieted down quite a lot. There's compression in some of the higher end homes. And you know, if you go down south, you see a different problem, which is over building. They didn't want to build here, so they went down to the Carolinas and Texas and Florida. There's a huge amount of both multi family condo type developments and single family homes too. But above that average price level way above half a million dollars.   Keith Weinhold  17:15   Sure, it's made this dynamic where things have been flip flopped in the Northeast and Midwest, where the populations aren't growing very fast, those markets have been appreciating more than those in the high growth southeast, all coming back to supply. They're not bringing on enough new supply in the Northeast and Midwest, Chris has just laid out a few reasons for that, due to this high regulation. And then in the southeast, a high growth area, even though that's where people are moving, we're not getting much appreciation there, because you're able to build and that supply is able to keep up with demand. Well, Chris and I are going to talk more about the housing market and about inflation. When we come back, you're listening to get rich education. Our guest is Chris Whelan, the author of a great new book. I'm your host. Keith Weinhold.   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. 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We're talking with the author of a great new book, Chris Whelan, it's called inflated money, debt and the American dream. Chris, I see the residential housing market and their price points as being resilient. I'm kind of looking around and seeing if you have any places where you think that there are any cracks in that? I've heard you talk elsewhere about a housing price correction. Were you talking in the one to four unit space? And how do you think that could happen?   Chris Whalen  20:31   I didn't come up with that idea. I did a biography of my good friend Stan middleman, who's the founder of freedom mortgage. It's a real rags to riches story of a successful entrepreneur, a great guy, by the way, is a beloved man in the mortgage industry. And so what he believes is that cycles are about a decade in terms of human behavior. And he says misery on the eights, which is kind of a cute way of saying it. And what Stan is basically saying is you eventually see so much price appreciation that affordability goes to zero. You run out of buyers, is another way to put it. And then once the Fed gooses it, he thinks we see an interest rate decline this year next year, perhaps you get rates to run a little bit. You get volumes to jump the way they did last summer. You remember, in the third quarter, we had great volumes in the mortgage industry, carried everybody through to the end of the year, and then after that, he says, we get a price correction, maybe back down to 2020 21 levels. So we're talking about a 20% price correction, and we're talking about the loans that have been made in the last few years being underwater. That's something we haven't talked about in a long time. We haven't talked about that since 2008 so I think that Americans inevitably have to see some kind of a correction. What the Fed did was wrong, what they did was excessive. I write about that in the end of my book, but unfortunately, the result is home prices that have galloped along, and eventually you got to reset it. Part of its supply coming online. Part of it is simply, like, I say, you run out of buyers, and when it's simply that purchase buyer who is either all cash or happens to have the deposit, and that's all you have. And there's no flexibility for people that want to get into the market. You know, that's tough. I could recall Paul Volcker years ago, we were talking about that in the book too. He ratcheted down home prices. He raised interest rates so much that home prices went down, and a lot of builders went out of business who had had a lot of snls go out of business, and, you know, the previous decade. So that was a tough time. We didn't even start to do that this time around, because they were afraid to the Fed is worried about keeping the Treasury market open, so they are afraid of deflation, which unfortunately means you don't get those opportunities to get into the market. I remember my parents, when I was very young, they would buy busted homes in Washington, DC. It was a great way to make a lot of money, and in five years, the House would double. That's the kind of market Washington was   Keith Weinhold  23:05   in my opinion, I don't see how there could be any substantial residential home price correction. Historically that happens when there's a wide swath of homeowners that get into financial trouble, like I was talking about earlier, the homeowner is in great financial shape today. In fact, since World War Two, we've only seen home prices drop substantially during one period. That was that period around 2008 and that's when we had conditions that are opposite of what they are today. We had loans underwritten with liar loans. We had an over supply of homes, like I was saying earlier, inflation can't touch one's principal and interest payment. We're still under supplied with homes. Most experts don't think we'll get that into balance for at least five years. I really don't see how home prices could fall substantially. I also don't see how they could rise substantially, like, say, 10% due to that low affordability, but I expect continued stability in prices?    Chris Whalen  24:02   Well, we'll see. I'm not as sanguine about that, because a lot of people feel house rich on paper, but when the bottom of the stack is really hurting as it is now, FHA delinquency rates really are in probably the mid teens. You don't see that yet in the middle with the 727, 40 FICO type borrowers. But I think over time you could, and if, again, it depends on the economy and some other factors, but I'll tell you right now, you're already seeing a correction in the hyad the bottom half, no. And there's a supply problem here, which I agree with you on. It's going to keep those home price is pretty firm. And even where I am in New York, for God's sake, Keith, there's no construction here. So we just had a house across the street from me go from million one. I live in Sleepy, hollow New York, and you know, this is typically around the conforming limit for prices for most of these homes, and it went for 150 $1,000 over the ask, it was crazy. Went in two weeks now, during COVID, we saw this sort of behavior, and we thought, Well, okay, you had zero interest rates. I got a 3% mortgage, by the way, awesome. But here we have a situation when markets cooled down a lot, and yet the lack of availability is really the driver. So in that sense, I agree with you, but I do think the high end could correct rather substantially.   Keith Weinhold  25:24    And of course, in multi family apartments, that's different. That's where values in a lot of markets have been depressed by more than 30% they were subject to those interest rates being jacked up, and we're still going to see balloon loans mature and people default on those in apartments. The pain is not over with air, but at some point that's going to bottom out, and that'll be a buyer opportunity in apartments.   Chris Whalen  25:47    Well, the thing is, new stuff is going fine. It's what happens is when the new gets built, the older assets down the road get discounted. That's really what's going on. People love new as you know, these kids love a new house, as opposed to an older house.   Keith Weinhold  26:02   Yes, that'll help reset the prices in the new market when you can compare those to what existing values are. Well, Chris, talk to us more about your new book and what the overall thesis of the book is in these critical times.    Chris Whalen  26:16   Inflated is meant to help people understand how our country went from agrarian, sleepy, isolationist America in the 1900s to being the dominant economy in the world and the provider of global money. We talk about how we got here. We talk about Abraham Lincoln and Franklin Roosevelt and many other characters. Obviously, we had to talk about Andrew Jackson, who is now embodied in our president, Donald Trump. We try and frame how this is all going to evolve in the future. And my thesis is basically the global currency role is something you get during or after a war. We took the baton from Great Britain after the First World War, and then by the end of World War Two, everybody in the world was broke, except for us. It was last man standing. And so rebuilt the world. We let everybody take advantage of us, and now President, who's saying, Nope, we got to change this. I think if it wasn't Trump, it would be somebody else. To be honest with you, Americans are tired of high inflation. They're tired of some of the other costs that come along with being the global reserve currency, so we try and frame all of this in an understandable way. And I particularly talk about housing during COVID and how that all really, I think, changed things for many Americans. Home ownership has been one of the basic ways we create wealth in this country, and the fact that we didn't have an opportunity for people to get in cheap with a fixer upper or a house that was foreclosed. You know, I think it's unfortunate, but the system just can't tolerate it. We've gone in 2008 and then in 2020 through two very significant crises when the government bond market stopped working. So we talk about that as well.   Keith Weinhold  28:03   I don't predict interest rates. I think it is really difficult to do you mentioned earlier about the prospect for lower interest rates coming. Everyone wants to know about coming. What's your outlook for the future of interest rates and inflation for just say the next five years? Chris,    Chris Whalen  28:19   I think interest rates will drop. That is to say what the Fed controls, which is short term interest rates. In the next year or so, we'll have a little bit of a boom as a result. But I think the concern about the federal deficit and US debt, the volatility caused by President Trump's trade strategy, and just general I think a sense of uncertainty among investors is going to keep long term interest rates higher than we saw during COVID And really the whole period since 2008 the Fed bought a lot of duration and took it out of the market, so they kept rates low. They're not going to do that as much in the future. I don't think they'll buy mortgage securities again, they are very chastened by that experience. So if they don't buy mortgage backed securities, and if the banks don't become more aggressive buyers, and I don't think they will, then you know, the marginal demand that would drive mortgage rates down is just not going to be there. Banks have been holding fewer and fewer mortgages and mortgage backed securities on their books for 35 years. If you look at the growth in the industry, the dollar amount of one to four family mortgages hasn't changed very much. So when you look at it that way, it's like, you know what's wrong? Two things. They want to only make mortgages to affluent households. They want to avoid headline risk and litigation and fines and all of that. And I think also, too some of the Basel capital rules for banks discourage them from holding mortgages and mortgage servicing rights, which is an area I work in quite a lot.   Keith Weinhold  29:55   It seems to me, like increasingly, the powers. It be the United States government just won't let the homeowner fail. They want to do so much to promote home ownership over the long term, we see relative ease with getting a mortgage. We've seen lower down payment requirements during other times, including COVID. We see the government jump in with things like mortgage loan forbearance and an eviction moratorium for renters. They just don't want to let people lose their homes. It just seems like there's more propensity to give homeowners a greater safety net than ever. Well,   Chris Whalen  30:29   we've turned it into an entitlement. Yeah, and Trump is changing that at the federal level. The states, the blue states, are going to continue to play that game at the state level, and they can even have state moratoria. But what's going to happen, and I think sooner rather than later, is you may see the federal agencies start to tier the states in terms of servicing fees, simply to reflect the cost. It takes over 1400 days to do a foreclosure in New York. Gosh, that is a big problem. You can lose the lien in New York now, it takes so long. So I think that, you know, from an investor perspective, from a developer perspective, it's not an attractive venue. That's just the reality. Then you even California is as progressive and as activists as it is, you can still get a foreclosure done very quickly using the trustees. It's just a totally different situation. If there are complications, you can get into a judicial foreclosure, which will take longer. But still, California works. New York is deliberately dysfunctional. We have people in the state legislature who are in foreclosure themselves, and they keep passing these laws. So, you know, I think at the federal level, you're going to see it roll back to pre COVID, but I will say that forbearance, both with respect to the agency and conventional market and private loans, is kind of the rule. Now we work with the borrower much more than we would in the past. It's it is really night and day.   Keith Weinhold  32:00   Chris, your new book has gotten a lot of acclaim. Let us know anything else that we should know about this book, and then if we can get it in all the usual places   Chris Whalen  32:10   you can buy it at Barnes and Noble Amazon. I have a page on my website, RC, waylon.com, with all the relevant links. But the online is the best way to get it. Most of the sales are on Kindle anyway, but well over 90% are online, so we don't have to worry about physical books. I think we'll be doing some book signings in the New York area. So we'll definitely let you know about that.   Keith Weinhold  32:33   One last thought is that the rate of inflation means more to a real estate investor than it does to a layperson, maybe five times as much or more, because when we borrow for an income property, our asset floats up with inflation. That part's really just a hedge on inflation. Our debt gets debased by inflation, which is really a mechanism for profiting from inflation over time. And then, thirdly, our cash flow tends to go up even faster than the rate of inflation, since our principal and interest stays fixed, so real estate investors can often be the beneficiary of inflation. It's sort of strange to go root for a force like inflation that can impoverish so many people. But what are your thoughts with respect to real estate investors and inflation?   Chris Whalen  33:19   Well, you know, it's funny when Jerome Powell at the Fed says that they have a 2% inflation target, my response is, well, we better have at least 2% inflation if we're going to make commercial real estate work. Commercial real estate went up for 75 years after World War Two. I can remember when I was in the rating business at Crowell bond ratings going to see some of the banks here in New York, their multifamily books had only seen the equity underneath the asset go up and up and up. In other words, the land ended up being 90% of the value, you know, 1520, years after the purchase and the improvements were almost worthless simply because the land appreciated so much. Now that has changed since COVID. A lot of commercial real estate, particularly has gotten under a bit of a cloud. You've seen falling prices. However, in parts of the country that are growing where you have a positive political environment, positive economic environment, you're still seeing fantastic growth in both commercial and multifamily markets. So I think being very careful and patient in doing your homework in terms of picking venues is more important now than ever before. You know, I'll give you an example. Down in Florida, we're building new malls every day. The mall down the road that's 15 years old. There's nothing wrong with it, but it's 15 years old. And so the price discounts that you're seeing for existing assets are rather striking. Same thing down in the Carolinas, down in, you know, Atlanta, and going down to the Texas growth spectacle, I'm always astounded by what's going on in Texas. They built so much in that whole area around South Lake, out by the airport. It, they're going to basically subsume used it. So, you know, in those markets, you have great opportunities, but you also have over building. And so we're going to see some cycles where they're going to be deals out there for projects that maybe were a little too ambitious have to get restructured, and astute investors can come in and do very well on that   Keith Weinhold  35:20   like we often say around here, in real estate investing, the market is typically even more important than the property itself. The name of Chris's new book, again, is inflated money, debt and the American dream. It has an awful lot of intersections with real estate investors and how they can play inflation. Uh, Chris has been a terrific conversation about the real estate market and larger market forces. It's been great having you here on the show.   Chris Whalen  35:47   Thank you, Keith. Let's do it again.   Keith Weinhold  35:49   Yeah, some good insights from Chris, a smart guy. And gosh, what a really sad state for rent stabilized apartments in New York City, where landlords of some of those properties, they would have to spend sometimes hundreds of 1000s of dollars in order to bring them up to code, but then they couldn't charge enough rent to offset those expenses due to government intervention and price fixing, so landlords just lock up the property vacant. And this sort of harkens back to when we were talking about some of this last year, when we had documentary film maker jen siderova on the show with her film called shopification, and it was about how rent control slowly makes neighborhoods fall into disrepair. All right, Chris and I had some difference of opinion there on the prospects for a home price correction. I think I made most of my points. He did, though, talk about running out of home buyers. If I have him back, maybe I'll pick up right there. More buyers are baked into the demographics, like I think I shared with you one time the US had its highest ever birth rate years between 1990 and 2010 more than 4 million births per year for a lot of those years. Just to review this with you, you might remember that 2007 was the US is peak birth year. Add 38 years to that for the average first time homebuyer age, and that housing demand won't even peak until 2045 and it will continue to stay high for a few years after that. So that's where the demand is just going to keep coming from, just piling on. And when I say that loan conditions have eased for American homeowners, like I did there during the interview, of course, what I'm talking about is the long term. I mean, lending conditions got more rigid after 2008 and with the adoption of Dodd Frank. What I'm talking about is, before the Great Depression, it was most common to have to make 50% to 60% down payments on property, and you had to repay the entire note in five to 10 years. I mean, can you imagine how that would hurt affordability today and then later, by 1950, 15, year loans were the common one. I mean, even that would impair affordability today. Today, 30 year loans are the common one, and you can put as little as 3% down on a primary residence. A lot of people don't know that either. It does not take 20% on a primary residence. So that's what I mean about the relative ease of credit flow today. Now, Chris has knowledge about other parts of the real estate market that I don't for his work inside DC and in other places like the foreclosure market. We talked about some of that right after the interview. For example, He was letting acronyms like NPL roll off his tongue, and I had to ask him what that meant. That's a non performing loan. Check out Chris's new book. Again, it's called inflated money debt in the American dream. And again, his website is RCwhalen.com and Chris also has a great sense of history, which we didn't get into, longtime real estate guys radio show co host Russell gray and I will discuss monetary history here on the show soon. Like I said, I'm coming to you from Edinburgh, Scotland this week, even if you don't see great sites, you know, it's interesting just walking the historic streets here, if you're an American that's visited here before, you surely know what I mean. And I told you that I'd let you know, the current real estate transaction I'm involved in is paying $650 a night for the hotel here in Edinburgh. Yes, that's a lot. I've actually paid less for fancier places in Dubai, but this hotel here is on the Royal Mile. Of course, I could have found less expensive accommodations elsewhere.    Speaking of less expensive, here's an announcement. And we have new investment property providers at GRE marketplace, two of them, the markets are both in Oklahoma, and they are Oklahoma City and Tulsa, Oklahoma as a state, is known for landlord friendly eviction processes and legal systems, kind of the opposite of New York. So this makes your property management more predictable. Now, when we look at this city, OKC has the lowest priced new single family rentals. I can think of it under 160k Yes, that really puts the exclamation point on inexpensive and favorable rent to price ratios often exceeding 1% which is obviously attractive for cash flow, meaning a 150k single family rental could yield over $1,500 in rent. There's high rental demand in certain sub markets. We have scouted out those exact places for you in the OKC metro, like Edmond Moore spelled M, O, O, R, E, and Midwest City, all supporting consistent rent income, though it was once really oil dependent, OKC has diversified economically, reducing your risk tied to commodity cycles and ok sees local economy that's supported by industries including aerospace, energy, health care and logistics. Then there's Tulsa. Tulsa has the highest cash flowing new build duplexes, perhaps anywhere in the US that I know about. On the single family rental side, a lot of Tulsa investors can find properties under 150k with monthly rents again exceeding 1% of the purchase price, clearly ideal. So yes, both Oklahoma City and Tulsa are now on GRE marketplace. You can either visit the pages and see them there, or one of our qualified, experienced GRE investment coaches. Meet with them. They can help guide you to the very best deals and show you the specific property addresses available right at this time for whatever best meets your needs. If you're looking to either start or expand to another market and you seek cash flow, you really need to consider Oklahoma. Yes, it is free to have a strategy session with an investment coach, whether that's for Oklahoma or other investor advantage regions. I often like to leave you with something actionable. You can start at GREinvestment coach.com start book a meeting for a free strategy session remotely. That's at GREinvestment coach.com, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Dolf Deroos  42:51   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. 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  43:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866. While it's on your mind, take a moment to do it right now. Text, gre to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com.

How can mindfulness, emotional intelligence, and a reimagined masculinity help American men and boys thrive in today's world?Jon and Will talk with Former Congressman Tim Ryan about his journey into mindfulness, its power to heal trauma - especially for veterans - and the need to rethink masculinity. Drawing from his experiences in sports, politics, and mental health advocacy, Tim explores the loss of traditional rites of passage, the rise of emotional intelligence, and how technology is reshaping manhood.Try NEURISH - Personalized nutrition for your mental health. Our new sponsor. 15% off with Promo Code MTM. Visit https://tinyurl.com/57e68ett t⁠⁠o learn more about this incredible daily supplement.Feeling stuck? If you need help getting out of your rut, Will can help - head to willnotfear.com to learn more about his coaching to get you off the hamster wheel. More from MTM at: https://mentalkingmindfulness.com/ Timestamps: 00:00 - Introduction04:17 - Growing Without a Father Figure  07:58 - Small Wins, Big Impact  08:43 - Sports, Confidence, and Connection  14:35 - Gender Dynamics in Work and Education  16:35 - Perspectives Across Class Lines  18:38 - Men, Mindfulness, and Society  23:00 - The Psychology of Modern Masculinity  27:45 - Being Yourself in Real Conversations  34:51 - Injury Recovery and Mindful Detachment  36:40 - Selfhood and the Fragility of Manhood  46:37 - Teaching Daughters Critical Awareness  52:47 - Decoding Romantic Signals for Young Men  58:19 - Emotions and Relationships for Boys and Men  01:01:33 - Building Emotional Safety at Home  01:03:15 - Misreading Kids' Emotions  01:19:01 - Autonomy and Choosing Your Circle Hosted by Ausha. See ausha.co/privacy-policy for more information.

On this edition of the On The Pony Express Podcast, Billy Embody breaks down what's next for SMU Football Recruiting in 2026 on the defensive side of the ball as Scott Symons & Co. look to build on an already strong Top 25 class.Texas insurance rates are ridiculous. Call Mark Villasana, a proud SMU alum and owner of Northwest Insurance Agency, is here to fight back. Northwest Insurance Agency fights for our clients and finds the best insurance coverage at the absolute lowest price.Call Mark at 214-352-5656 or email him at markv@nwagencies.com to discuss your current rates, coverage and where you may lack protection.Head to StatusJet.com to learn more about the official presenting sponsor of the On The Pony Express Podcast. Use code PonyUpACC or mention On The Pony Express for a discount on a round trip flip booked with Status Jet. Status Jet is more than just a private jet charter company. They offer a personal touch in every aspect of your business and travel. Whether you are looking for charter flights, searching for the perfect aircraft to buy, or interested in selling a plane, experience a new level of luxury with Status Jet.Check out our sponsor, Tomes Auto Group! Mention On The Pony Express for EMPLOYEE PRICING on a new or pre-owned vehicle! Whether it's a new Ford, Subaru or Volkswagen, Tomes Auto Group will take care of you! Come and check out Tomes Auto Group's full selection of new vehicles, or get a great deal on a reliable pre-owned model. No matter which vehicle you decide on, their professional finance teams will help you get settled with a competitive financing or lease plan.Check out Manny's Tex-Mex! Say "Queso Queso" to your server or when ordering carryout to get 10% off your order! With four locations across DFW, Manny's is perfect for your next meal. Whether it's lunch, dinner or happy hour, Manny's fresh ingredients make up their mouth-watering food that goes perfectly with a cold beverage! "Queso Queso" discount excludes alcohol per laws and third-party apps.Are you…Ready to leave the corporate Rat Race for the American Dream?Looking for a side hustle while working your current job?Wanting to diversify, build wealth, and/or leave a legacy?Andy Luedecke can help!!!Andy is a franchise consultant (as well as franchise owner) and helps people find franchises that fit their skill sets, financial requirements, time to commit and more….His services are 100% free and he's here to help if you have any questions about business ownership.Andy Luedeckewww.MyPerfectFranchise.Netp: 404-973-9901e: andy@myperfectfranchise.netBook time with me at: Andy's Calendar

Arman Oganesian is one of the owners of a fast casual restaurant chain, Dave's Hot Chicken, focusing on Nashville-style hot chicken. What started in a parking lot in 2017 with 3 friends and only $900, just got acquired for $1Billion! In just 2 years, they formed an agreement with investor, Bill Phelps, former CEO of Wetzel's Pretzel and movie producer John Davis. Later, celebrity investors such as Drake and Samuel L Jackson jumped on board and have currently expanded to 1000 franchises. Dave's Hot Chicken is your modern day American Dream. Arman tells us their story and how they tipped over the bell curve.

It's Sunday and I'm wrapping up the week by summarizing this week's theme: The American Dream Now Costs Over $4 Million

Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week.
 On this episode of Dentist Money's Two Cents, Matt, Taylor, and Rabih talk about Japan and how it's declining population, debt levels, and interest rates create a unique situation for the global economy. They discuss Taylor's personal dilemma: whether to buy a car now or wait, as tariffs, new car models, and raw material prices continue to rise each month. They wrap up with a conversation on the definition of the American Dream and how the definition of success is evolving in modern society.  Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

Today, I'm thrilled to announce my episode with two-time Tony winner Judith Ivey. Tune in to hear some of the stories of her legendary career, including singing A LITTLE NIGHT MUSIC for Stephen Sondheim, how Carol Woods gave her dinner eight times a week during FOLLIES, how her performance in STEAMING led to three feature film roles, finding the comedy in THE HEIRESS, meeting Neil Simon at the Tony Awards, performing BLITHE SPIRIT after Geraldine Page passed away, a memorable night out with Mike Nichols while working on HURLYBURLY, being directed by Zoe Caldwell in PARK YOUR CAR IN HARVARD YARD, acting opposite Jason Robards, acting with the audience in THE LADY WITH ALL THE ANSWERS, listening to Margaret Thatcher while performing in THE AUDIENCE, being directed by Edward Albee in THE AMERICAN DREAM, making the audience gasp during VOICES IN THE DARK, the difficulty of performing in GREATER CLEMENTS, developing a one-woman musical with George Furth, how Peter Hall chose her for BEDROOM FARCE, laughing with Eileen Heckart during THE FIVE MRS. BUCHANANS, bringing VANITIES off-Broadway, finding her own take on the leading role in PIAF, and so much more. Don't miss this honest conversation with one of Broadway's greatest stars.

This week on the Retirement Quick Tips Podcast, I'm talking about the American Dream. According to a 2024 report from Investopedia, the American dream now costs $4.4 million.  Today, we're discussing what the American costs when it comes to vacations

Welcome back to the Slightly Biased Podcast, where the American Dream comes with a weird shed, suspicious wiring, and a $10K funeral plan. In this episode, Vinny and Grayson catch up on daily life—starting with Grayson's experience helping his sister move into her first home. From building furniture and buying toolkits to discovering a stovepipe chimney in the backyard shed, it quickly becomes clear: homeownership is just DIY anxiety with a mortgage. Along the way, they rant (lovingly) about: The importance of tools and why home inspections aren't optional (unless you enjoy chaos) Rotten decks, thermostat debates, and the financial burden of HVAC upgrades Tiny houses as a capitalist fever dream, and why reinventing the trailer park isn't innovation The funeral industry's price gouging and the rising trend of sky burials Why the modern American starter home is starting to look like a financial trap They also get hyped (and slightly overwhelmed) by the trailer for James Gunn's Superman, discuss wine as a housewarming gift, and tease their upcoming podcast about watching terrible movies chosen by you, the listener. Takeaways: Homeownership is more stressful than romantic Tiny houses are not the answer Minimalism isn't practical if it comes with exposed wiring and no fridge space Reinventing the bus isn't innovation—it's capitalism on wheels And the PTA? It's all about the power. Recorded 5/29/2025. Be sure to follow us on Twitter and Instagram @slightlybiased_ Also, check out our home on the web at slightlybiasedpodcast.com Find out more at https://slightly-biased.pinecast.co This podcast is powered by Pinecast.

Meg Mitchell Moore is the author of Mansion Beach, a page-turner-y multi POV summer saga with everything you could ask for: a beach, a body, rich people behaving badly but also sometimes not behaving badly, parties, drama and just enough gender-swapped Gatsby to think hard about the meaning of the American Dream. I loved it (KJ here) and I also loved this conversation with Meg, who apparently thinks in multiple POVS and is always just as impatient as I am to feel like the book is done and wonderful when sadly it is… not. #AmReadingMeg: Audio: Great Big Beautiful Life, Emily Henry—Julia WhelanAlso mentioned: Julia Whelan's Thank You for ListeningPrint: The Road to Dalton, Shannon Bowringfrom The Book Shop of Beverly FarmsKJ: Mansion BeachWelcome to Glorious Tuga, Francesca SegalFind Meg at @megmitchellmoore on IG, or visit her website at www.megmitchellmoore.comHEY. Did you know Sarina's latest thriller is out NOW? Rowan Gallagher is a devoted single mother and a talented architect with a high-profile commission restoring an historic mansion for the most powerful family in Maine. But inside, she's a mess. She knows that stalking her ex's avatar all over Portland on her phone isn't the healthiest way to heal from their breakup. But she's out of ice cream and she's sick of romcoms. Watching his every move is both fascinating and infuriating. He's dining out while she's wallowing on the couch. The last straw comes when he parks in their favorite spot on the waterfront. In a weak moment, she leashes the dog and sets off to see who else is in his car. Instead of catching her ex in a kiss, Rowan becomes the first witness to his murder—and the primary suspect.Digital books at: Amazon | Nook | Apple Books | Kobo | Google Play | Audible Physical books at: Bookshop.org | Amazon | Barnes & Noble | Indigo | More paperback links here!New! Transcripts below!EPISODE 450 - TRANSCRIPTKJ Dell'AntoniaKJ here announcing a new series and a definite plus for paid supporters of Hashtag AmWriting. It's Writing the Book, a conversation between Jenny, who's just finished a blueprint for her next nonfiction book, and me because I've just finished the blueprint for what I hope will be my next novel. Jenny and I are both trying to quote-unquote "play big" with these next go-rounds, which is a meta effort for Jenny as that's exactly what her book is about, and we're basically coaching each other through, trading pages, thoughts and encouragement, as well as some sometimes hard-to-hear honesty about whether we're really going in the right direction. So come all in on team Hashtag AmWriting, and you'll get those Writing the Book episodes right in your pod player along with access to monthly AMAs, the book labs, first pages episodes, and come summer, we shall blueprint once again. So sign yourself up at amwritingpodcast.com.All SpeakingIs it recording? Now it's recording. Yay. Go ahead. This is the part where I stare blankly at the microphone. Try to remember what I'm supposed to be doing. Alright. Let's start over. Awkward pause. I'm gonna rustle some papers. Okay. Now one, two, three.KJ Dell'AntoniaHey, I'm KJ Dell'Antonia, and this is Hashtag AmWriting, the weekly podcast about writing all the things. Short things, long things, pitches, proposals, fiction, nonfiction, memoir, other things I'm probably not thinking of. We are the podcast about sitting down and getting your work done. And I am KJ Dell'Antonia, the author of three novels, The Chicken Sisters, In Her Boots and Playing the Witch Card, as well as a nonfiction book, How to Be a Happier Parent, former editor of The New York Times Motherlode. You've heard all this. With me today, more importantly, is Meg Mitchell Moore, who has written a book that I think you're gonna find is your summer go to. It is called Mansion Beach, and I loved it. And we'll talk about it in a second. She is also the author of Summer Stage, Vacationland, can attest to both of those great reads. The Islanders, Two Truths and a Lie, The Admissions, loved that one too. They're all great. So, anyway, lots of lots of novels in the family saga, sometimes touch of romance, beach, summer, deep, but also page turnery read genre, which is not a genre because that was too long. But, anyway, Meg, thanks for coming to chat.Meg Mitchell MooreThank you for having me. I'm so happy to be here. This is gonna be really fun.KJ Dell'AntoniaSo I've read some of your other books, obviously, and I felt like this one Mansion Beach was you sort of moving to a different this. It's a little how to describe it. You've got a lot of points of view, which you always, you often do, and a little bit of of a mystery, which actually, I've seen you do before, and then you've got a podcast going on so that you can have different people show show off what's happening. I guess I was hoping you would talk about the evolution of style, um, actually, over your whole career, sort of from, like, I'm writing a kind of a basic book with a couple of points of view and third person close, or maybe first person to these bigger, bigger stories with so much more to so much more to offer the reader. That's a really big question. Start wherever you want.Meg Mitchell MooreThat's a great question. I I don't know if it has been such an evolution. I have always written multiple points of view to the point where it makes me crazy. And I wish I could. I wish I could do one or two. I really wish I could. I've tried it. I can't do it. I just can't. My brain doesn't work that way. It's I can't do it. So even my very first novel, which I published in 2011 it was called The Arrivals, that was a much smaller story. So yes, I for sure, I've evolved plot wise, but I remember, and this was when I was brand new and did not know what I was doing, and I was just trying to figure out how to write a novel. I had so many points of view. And I remember my now agent. Maybe she was not my agent then and was becoming my agent, or maybe she was already my agent, but I remember her saying, we have to take out at least like five of these points of view. And it's still, it still has a lot. I just that's how I think those are the kind of books I like to read, usually, not always, for one thing, but it just. Must be how I think I'm always in everybody's head, and it's really hard for me to restrain that. So this book, I don't think, has any more points of view than any other. Might have fewer than some. It does have a mystery.KJ Dell'AntoniaYeah it might, then some that I've read, I guess I I, I saw it as different, maybe in part because of the the use of the podcast to frame things.Meg Mitchell MooreYeah that's new. And then it's a bigger, you know, it's a bigger idea. It's a, it's not a retelling of The Great Gatsby, because I don't like to use that word, but it is inspired by The Great Gatsby. So it has definitely some bigger I was looking at bigger themes, maybe from the start. A lot of times I back my way into the themes based on what my characters are doing. I don't always start with the themes, but this time i i was looking at some of those big whether, what's the American dream and what does success mean, and how does money equate with happiness, and some of those bigger questions. And I don't always do that. I might do it in reverse, but I don't always do that first. So I do think it has bigger theme wise, it's bigger maybe plot wise, yeah. And some of the elements, some of the elements that move it along, are a little different. I was working with a new editor for the first time for this. This is my first full book with my new editor. So I think that had something to do with it too, because I think she was probably pushing me for some of those elements that don't come naturally to me, which I think ended up being good for the book.KJ Dell'AntoniaYeah, it's a little more thriller. Isn't exactly the right word, but there's definitely a page turning mystery in there. I know here's, this is like a so there's a page turning mystery in Mansion Beach, and the question all along for the reader, like, you know somebody is going to die. But I at least did not know who, but I had an advance, and it came as a as a digital book, so I didn't have the cover and I didn't have the blurb on the back, if a reader has those things, are they gonna know?Meg Mitchell MooreInteresting.KJ Dell'AntoniaAre they gonna know? Who it is that that dies?Meg Mitchell MooreI don't think so. I don't think so. The people I know who have read it both ways, I think have not known.KJ Dell'AntoniaThat's good.Meg Mitchell MooreIt's sort of that white lotus effect, you know, for White Lotus fans out there, where there is a mystery, and you care about the mystery, but you also it matters, but it doesn't matter as much as what's going on with everybody else. So I really like that as a framing device. I like watching it and reading it. And I tried it myself this time. I did it a little bit in two truths and a lie as well. I guess that's my only other one that has a dead body, and a lot of people are mad at me for who the person was who died, which I want. And two truths...KJ Dell'AntoniaDon't give it up.Meg Mitchell MooreNo, I won't. So that was interesting, so I hadn't tried it again, and this time I went in a little nervous, because people had been upset with me, particularly my husband. But I I still, I mean, I had the chance not to do what I did in two truths and a lie, and I still chose to. So I still, for me, it was the right thing, but it was an interesting experience. And I didn't try it again for a couple books. And this time I did also because I was playing with some of the Gatsby themes. I mean, Gatsby has three bodies, so I thought, I mean, I should have at least one, so I won't, yeah, I won't give anything away about…KJ Dell'AntoniaNo, don't.Meg Mitchell MooreWho or what or how, but I did enjoy having that as a device to propel it now that also, I don't think that was in the first draft. I don't think there was a body in the first draft. I mean, there were huge changes in this book, and I think that was one of them. I think we decided we needed the body after one draft.KJ Dell'AntoniaWow. Okay, now I'm deeply fascinated, and of course, I'm trying. So I'm trying to make this interesting and useful for those of you who haven't read the book, although you could also stop, go get the book, and read it, and then listen to this, and then it would be even better.Meg Mitchell MooreThat is true.KJ Dell'AntoniaYeah. Okay, so let me just start by saying I am actually not a person who typically likes a book where your whole like, like, the question is, you know, either who died or who did it. So Lucy Foley, I've enjoyed some of those, but it's not necessarily my favorite go to genre, but the thing that made this book work great for me was exactly what you just said, that there's so much more to it. You I could see that this story would exist before you added that and that. I mean, that's so cool. And then I also, I'm not a Gatsby person, so neither of those would like, neither of those hooks is going to grab me. But what grabbed me, I think, was the different women, different versions of the American dream.Meg Mitchell MooreMm-hmm.KJ Dell'AntoniaIs that where you started?Meg Mitchell MooreI started… Yeah, I think so I would. Really, yes, I wanted to really look at notions of success, particularly for women today. You know, it's contemporary. It takes place that, you know, in the summer that is coming out, or that, if you actually match up the dates, and I think I messed up the tides and the moon in some places, but it's the summer. So yes, I was very interested in those questions. I was I wanted to have a love triangle, because I think that's interesting, and that's part of Gatsby too. So it's funny that you say you're not a Gatsby person. I think my first, another change from my first draft, was very Gatsby heavy. I think I tried to, I think it just was, I was trying too hard to to do the same thing. And…KJ Dell'AntoniaIt's kind of a reverse-gendered Gatsby.Meg Mitchell MooreIt is, yes, it's reverse gendered. But what I was doing was just, I was just trying to, I don't know what I was doing, but it was a mess. I mean, I always knew I wanted to play with Gatsby, but I tried to do it too closely. And I tried a little first person with the narrator, which that's how Gatsby is told, but I can't write him. Can't write successfully in first person. So that was a mess. And I remember that my editor probably looked at this thing and said, This is what are we doing? But what she said to me nicely was, you need to, like, don't worry so much about Gatsby at all, like you need to free yourself from those constraints, and you need to write the story. And that was the best advice, because that's when it started to come together. So it's more that Gatsby was a jumping off point, and some of those themes, I was so interested in how those themes are so relevant 100 years later, and they are, so I think I needed that as a jumping off point, but I didn't need to, you know, retell it scene by scene, or try to have the narrator feel the same, or do anything like that. And I had some missteps along the way before I figured that out.KJ Dell'AntoniaIt interests me that this doesn't seem to have taken any longer than your other books, did it?Meg Mitchell MooreUh, I felt like it took forever. My books have come out either with note with, you know, a year and then the next summer, or with two summers in between. This one has, this one has an empty summer in between. So I did need that extra writing time for this. And I remember, I always start out thinking I could do this in a year. I'll absolutely and I always hit. I'm a deadline hitter. You know, I always hit the deadlineKJ Dell'AntoniaYeah, you give them something.Meg Mitchell MooreYeah, I was a journalist for a long time. I just, I'm not late on things. I just always, I'm just, I always hit my deadlines, but it might be awful. And so this was nobody actually. I mean, it was pretty awful when I think back to that first draft, and I think that my editor and Agent thought, okay, we can do this. And I looked at it, and I looked at my schedule and my life and my brain, and I thought, I don't think I can do it very well. So we put it off for a year, which gave me not a year's writing time, but maybe six months that I hadn't had. And that made a big difference. So this one took a little longer. Same thing with vacation land. I had the exact same thing happen where I thought it was going to come out one summer, it came out the next summer, but Summer Stage and then the book coming out, if I finish it next summer, will have no extra time in between. So it kind of, I've gone both ways with it.KJ Dell'AntoniaDo you see any like consistency in why? Or it just sort of either happens that way or it doesn't?Meg Mitchell MooreI think I when I try bigger, when I try bigger books, I need more time, as it should be, but I always think I can do it. You know, I'm patience is not, is not my best quality. Impatience is my worst quality. So I find that I'm usually impatient to get something done or to hit the deadline or to put the book out, and I have to slow myself down when necessary, and vacation land. It was a different editor, same publisher, but different editor. I remember her saying, having that talk with me and saying, it will be a much better book. If we put it out the following year, it will be so much better. And she was right. So we needed that time.KJ Dell'AntoniaI so totally relate to this.Meg Mitchell MooreDo you?KJ Dell'AntoniaYeah, absolutely. I mean, I'm in the middle of it. Now, if anybody who's listening is also listening to our what the books are writing the books, what the books also like? It's a little mini series where one of my co-hosts is writing nonfiction and I'm writing fiction, and we're trading pages, and we're doing a weekly series of conversations. And this week's realization was, I have always known that I'm writing a story with multiple points of view, but I couldn't start it that way. I had. I had to start it with just this one protagonist. And then I thought, Oh, well, then it'll just be that, and it'll probably be really easy. Look, I've got this all planned out. I'm just gonna write. I'm just gonna, oh, I'll bet I can get, what if I got my agent a draft this summer? Hahaha, it's, you know, it's not good, but I'm so impatient. I want ...Meg Mitchell MooreRight, right. Well, I was listening to one of your to your podcast the other yesterday, and it was the one where you were talking about your story idea starting. How do you, how do you ideate the book?KJ Dell'AntoniaOh, gosh.Meg Mitchell MooreAnd you so you write a book, and then you present it to your agent, and then you sell it, right? So…KJ Dell'AntoniaYeah.Meg Mitchell MooreThat's your process. So I'm the opposite, where I write, I get the contract first, and then I have to write the book. And I don't know which is harder, because you don't have a built in deadline. You have your own deadlines that you said, but you're writing something that you said. Maybe this will sell, maybe it won't, I don't know, whereas I know it will eventually be published, but I also have that pressure of I have to get things in on time. So what do you think is, what's better? What's worse?KJ Dell'AntoniaI don't know. I envy your... I envy that way. I feel like that would make me feel more secure, more professional. My, my agent, doesn't… she's very against selling a book of mine, at least before I've written it, because she says, I'll, she says I might change it, and then, and then, it won't be what we sold or I won't be happy. So so I don't know if she's I think she's just against it as a general rule, but I know lots of agents that that do it, and I know a lot of of writers that do it. Sometimes I look at this and I'm like, you know, I could do a proposal. Maybe we could sell it. I could get some money. That would be lovely, right? Yeah. But...Meg Mitchell MooreI see, I see your point, and I know a lot of people think that way. I remember a long time ago when I'd either published, I think I'd published no novels. Maybe my book was about to be published, my first novel, and I heard Ann Patchett speak at a conference, and she said, she said that she would never take money for a book she hadn't written.KJ Dell'AntoniaWow.Meg Mitchell MooreAnd I remember thinking, Oh, well, if that's what Ann Patchett says, I guess that's what like, that's how the world is. But I disagree, like I disagree, because for me, first of all, she has a different life situation, but for me to keep income coming in steadily, because this is my only job, I feel like that's the way to do it. And I also feel like other industries, like my husband doesn't only get paid when he goes to the board meeting. He's getting paid every other week for his job that he does for the company that he works for. And so to try to approximate a little bit of a normal salary, I feel like that's the way to do it. But then I also see the other side, and I see why Ann Patchett wouldn't do it, because she's Ann Patchett, you know, so she can take whatever time she needs...KJ Dell'AntoniaSee that's so funny. Because I think, well, you can do this because you're Meg Mitchell Moore, and Meg Mitchell Moore is going to sell and a KJ Dell'Antonia, one of them will, and the others somewhat less, so at least that's my my record at the moment. So I guess we just all see each other differently. My co-host Sarina sells on proposal.Meg Mitchell MooreOkay, so fiction, that's fiction?KJ Dell'AntoniaYeah, yeah. She sold thrillers and romances that way. Okay, so she has a bigger track record. But also, I've known people, you know, I guess there's just different ways of of of doing it. And I would not say that I chose this. It chose me.Meg Mitchell MooreInteresting, but there was always that chance. I mean, my agent... If I said to my agent, I don't want to sell till I write, she would say, Great, that might be better for both of us. We'll probably sell it for more, because you might write something really good, but I just don't want to take that. I'm too impatient, you know, I'm just Yes, maybe, if, you know, maybe if I had, you know, had some big blockbuster, and then I thought, Okay, now for two years, it doesn't matter what's coming in, because I'm getting money from that book, that would be different. But, um, that's not how it works for most people.KJ Dell'AntoniaYeah, and maybe I would feel less impatient with getting this done if I weren't like, I want to get to the point where I know if we're going to sell like, I wrote a whole thing last summer, and it never got to the point that we felt like we could sell it, and I I'm sick of it. I can't write it anymore. I'm done with it. I mean, maybe I'll come back to it, but, yeah, right. And like, I've had, you know, a freelance editor at it who's really good. My agent's been at it. I finished it like three times, and apparently it still sucks. So I'm done.Meg Mitchell MooreSo that's interesting, because I always think that I would not be writing good books if I didn't know if my editor gets a very messy draft, and all of my editors have gotten bad dress and really helped me. And without that step, I don't think I would ever write a book that could even be sold. So I feel like I need to know, okay, somebody else who is better at this is going to be helping me really soon. I just need to get through it.KJ Dell'AntoniaThat's that would be amazing. I don't think my editor cares enough about me to do that. So...Meg Mitchell MooreOh, my editor would absolutely prefer a cleaner draft. Like, no question. I mean, she would be delighted if I showed it to five people and got feedback, but I'm always in a rush. So I'm like, here you're the first reader. Here you go. She's like, thank you.KJ Dell'AntoniaYeah, that's my agent. I'll be like, Look, I'm done it's great! and She's no... it is great, but you know what would be really great? Poor agent. Yeah, okay. So, so we're we're both impatient, but we're doing this in in very different ways. Well, now I want to hear more about that. How do you go from a first draft with no body, to a final draft where the body, it's definitely one of the things that's pushing people to turn the page. It's not the only thing. So maybe that's the good news of not having started with a body. Also, did you know whose body it was?Meg Mitchell MooreUm, we discussed because, yeah, I mean, we discussed a little bit about it. I remember thinking, Could it be this person? And here's why we wouldn't want that person. Could it be this person? So we had some discussion. I didn't write it. I once I knew who it was. I didn't write multiple versions of it. I always had that person. But, and I guess I just think of it as more of a framing device than anything, and a framing device, you can add the frame later.KJ Dell'AntoniaYeah.Meg Mitchell MooreSo the middle was mostly what was happening, was happening, and then there was this framing device and and then there are certain things at the end that kind of came together. And I was like, Oh my gosh, this makes it all come together. But I didn't know that in the beginning. And that was so you may be late.KJ Dell'AntoniaDid you not know how the body became a body?Meg Mitchell MooreAh, that changed. There was...KJ Dell'AntoniaYeah, I could see that.Meg Mitchell MooreAnd then I thought, oh my gosh, this is kind of what I needed to pull together all those themes. It was those exciting moments that really don't happen very often.KJ Dell'AntoniaOh, I bet and I mean, I can see it from the outside as a reader. It really did. It made it like your ending is one of those endings that changes the whole, your whole reading experience for the better, right? Not that it wasn't a great reading experience the whole time. You know, sometimes somebody doesn't stick the landing, and then you're like, yeah, no, I don't really want to recommend this. I mean, it was fine, right? But, and sometimes it's just great. It's like, solid. You're happy, yay. Okay, that's a good, it's a good. Yours colors the entire like, if I were somebody who would go back and reread it, would color the entire experience differently.Meg Mitchell MooreOh, Thank you!KJ Dell'AntoniaYeah, which is cool, yeah, very cool.Meg Mitchell MooreNow, when I wrote Vacationland, I started with a body, and the body came out. So I had the opposite experience, where I thought I was writing a thriller. The whole time. I was like, this is going to be my thriller. There's a body. And I had it all. And to me, it made sense. It all tied up, and my different editor, but my then editor said, I like everything but the body.KJ Dell'AntoniaWow.Meg Mitchell MooreWe had to keep it was first it was a an important body, and then it was a less important body, and then it became the body of a seal, because I had to have just a scene of children looking at something they found in the water in the very beginning. And so it was a body, and then it was a seals body. This time. I got to keep my body at least.KJ Dell'AntoniaSo I love this also, because you haven't been, um, pigeonholed into a genre that involves bodies or doesn't involve bodies. Has that been a thing as you've as you've gone from book to book where people are like, well, I don't know… Meg, people don't really want you to kill people or the, you know, the opposite. Well, I don't know, people are kind of looking for some more thrills from you.Meg Mitchell MooreWell, Vacationland. I remember that editor said they don't, we don't want this from you. We want, we don't want. We want a summer book. We don't want. We're not looking for a thriller. You know, they had other thrillers. You know what? They're doing their own end of the business, too. So they definitely said that this time. I mean, I feel like I'm not pigeonholed, but categorized as beach as a beach book. But I think within beach books you can do all of those things. Yeah. So if I were to write a giant thriller that I said, I think this should come out in the fall, and it's a big book, I that's when they would probably say, I don't know if your audience, if you have the audience, right, pull that off unless the book is amazing, you know? I do feel like I need to come out in the summer to keep my readers.KJ Dell'AntoniaYeah, I actually love that. That beach book is a You're right. It's a pretty big genre. It encompasses a lot. It encompasses a lot of of things, the only requirement being that it's, you know, entertaining, which, as far as I'm concerned, is a book requirement anyway. But...Meg Mitchell MooreRight, right. It is interesting because my books also happen to usually take place on beaches, but not all beach books do. So it is, it has become a very big category and competitive like you also want to stand out in that category, because there are so many books with the word summer in the title or the word beach in the title, or this. Actually, this cover is a departure for me, which I love, because I feel like I have done the just the oceanscape or the main or the woman looking at the water. I've had those kinds of covers.KJ Dell'AntoniaIt's your first... It's, it's, it's a cartoony cover. I don't, I don't mean that it, you know that sounds Yeah, it's almost a romancy cover. But there's only one person. First. I'm just so you guys should, it'll, it'll be in the show notes. You should, you should take a look, because you're right. It is a departure. I see, yeah, I see what you're saying there. But this one's, it's a hardback, right?Meg Mitchell MooreYes.KJ Dell'AntoniaYeah. Have all your books come out first in hardback?Meg Mitchell MooreThey have, yep.KJ Dell'AntoniaNice, cool.Meg Mitchell MooreHave yours?KJ Dell'AntoniaNo, none.Meg Mitchell MooreNone? Okay, now, what do you now…? Do you think that… that, I sometimes I feel like that's a great thing too.KJ Dell'AntoniaI go back and forth on that. My agent is bummed about it. But for me, it's frankly, much easier to, like, go out to everyone and be like, spend $18 versus be like spend $38.Meg Mitchell MooreI agree.KJ Dell'AntoniaSo I haven't minded. Oh, and I was at the Newburyport Book Festival a few years ago, and they accidentally got my second book only in hard book, because it was, it came out in hardback and paperback at the same time, which there was a moment of about six months when publishers were doing that, and then they stopped and they only had the hardback. And I was like, Oh, I don't even want anyone to buy that. Like that, isn't I would be mad if I bought a hardback...Meg Mitchell MooreRight, right.KJ Dell'AntoniaAnd then the next day, I was at the store and was like, hey!?Meg Mitchell MooreRight, yeah, it's interesting, because I do actually love… because I bought your book The Chicken Sisters this weekend, in paperback, and I love, I love paperback, yeah, I love it.KJ Dell'AntoniaFor travel…?Meg Mitchell MooreLighter, yeah, and I think it is appealing. It's so interesting. I mean, I remember Emily Henry's first couple, at least, came out paperback, and then now that she can sell so well, they now they come in hardcover, but I still feel like...KJ Dell'AntoniaI look at them and I'm like, I don't want that that way. Now, I'll just buy a digital version, because I don't that's not…Meg Mitchell MooreRight? Right. It's really interesting. And I know I don't understand the sales end of it, the way that the people who are doing the job do, and the profits and the margin and all that. But I kind of feel like, why isn't everything in paperback right away? You know?KJ Dell'AntoniaYeah, no, I feel the same way. And and also people's, especially now we're thinking, we're talking about beach books. Some people's beach I mean, if my beach vacation is an airplane beach vacation, I might bring one hardback, maybe...Meg Mitchell MooreRight.KJ Dell'AntoniaAnd maybe, probably not, because I'm a fast reader, I could easily eat that on the plane, and then there I would be. So...Meg Mitchell MooreRight.KJ Dell'AntoniaI don't know.Meg Mitchell MooreRight, yeah.KJ Dell'AntoniaI guess that's what e-readers are for.Meg Mitchell MooreThat's true.KJ Dell'AntoniaWell, I mean, gosh, I could probably talk to you about in depth, about the writing of this for about 12 hours. Because, okay, one one last thought. So listeners, Meg writes like we said, in multiple points of view. Talk to me about how you know when to change the point. You know what point of view a scene should be told from?Meg Mitchell MooreYeah, I don't. I'm it's so much. I do so much rewriting, a lot of that. I mean, I'm just thinking, I just turned in a draft yesterday of, hopefully next summer's novel, and I that is also multiple points of view. It's, I think it's mostly three, it's three adult sisters and they each have a point of view. There might be a couple little scattered things, but when I look back, I think I need to probably adjust, even in the draft I just turned in, I think I'm a little heavily weighted toward one over the other, so I don't always know. I just go on gut and instinct, and then I fix it later, which is how I do almost everything. I just go by instinct, and it's usually wrong And I change it later.KJ Dell'AntoniaSo, you'll, you'll be like, you've written a scene, and the point of view of one person, you realize, oh, either it's the other person's turn to have some more time, or I need their inner thoughts, not this person's inner thought...Meg Mitchell MooreRight. Yeah, its not very organized.KJ Dell'AntoniaAnd sometimes you drop in like, you know, a kid on a beach or something, is that when you need something to happen that you that your protagonists don't know? Or just, you just feel like?Meg Mitchell MooreI think, I think it's fun. I just think it's fun sometimes to have this person you haven't heard from and you won't hear from again. But a lot I probably did. I probably do that. It probably gets taken out 80% of the time when I do that, because usually it doesn't make sense. But I just wanted to do it. I did it in my book. I just turned in and the first this scene between the a realtor and her husband, the realtor who's selling this house that these people are in. She doesn't matter to the book, but I just really wanted to write the scene of her and her husband, and I even wrote in the draft. I know this doesn't make sense, and my editor said, Yeah, this doesn't make sense. Like, you either need more of them, or they need to go. I don't know what they're...KJ Dell'AntoniaDo you ever give them away for? Like, you know, here's your pre order bonus. Read this extra scene…Meg Mitchell MooreI should do that. Maybe I'll do that. They'll do that. I have never done that, but maybe I will. But I feel like, I think it might be Anne Tyler. I remember reading an interview. Is she the one who does the strings like she has strings with different?KJ Dell'AntoniaMaybe, i don't know.Meg Mitchell MooreEvery character has a different colored string, and then she pulls down the red one because it's the red, you know, that's how she knows who she's writing. And I thought that was really cool, but I've never done it.KJ Dell'AntoniaThat sounds like a lot of work.Meg Mitchell MooreI guess.KJ Dell'AntoniaAnd, like, I would need a different…I need a bulletin board. Okay.Meg Mitchell MooreYeah, I don't know where you, where I would hang it from, but it's just seems kind of nice to think, then maybe...KJ Dell'AntoniaYeah it does.Meg Mitchell MooreShe knows if she's done the right amount for everybody.KJ Dell'AntoniaYeah, The Chicken Sisters is alternating points of view. And I just, I just alternated. And then sometimes that was a problem, and I had to figure out, like, how to get somebody's feelings? Yeah? So....Meg Mitchell MooreYeah, it's confusing. I don't know why I do it to myself, because sometimes I'll just read a perfectly, a book that's just perfectly written in first person. I'm trying to think of an example right now, because I don't even always read that much in first person, but like, Yellowface? … Yellowface. Okay, that book was so, like, simple in a way, but I love I loved it. I thought it was brilliant, and it was all just this point of view, and...KJ Dell'AntoniaAnd didn't you occasionally get, like a newspaper article? I think...Meg Mitchell MooreMaybe, maybe.KJ Dell'AntoniaThat must have been what she did when she had something her person couldn't know.Meg Mitchell MooreYeah. I guess, yeah. I guess, technically, it would be harder to do it all from one because you how do they know everything? But I feel like I get lost, like I have trouble. I literally lose the plot, because I'm just this person's off doing something in their day that might have nothing to do with what's going on. I get really caught up in that kind of stuff, and that's what I have to edit out.KJ Dell'AntoniaYeah, I'm always trying not to do that. I'll sit there while I'm writing, like, No, do not let them move their coffee cup. They can move the coffee cup in a later draft, if the coffee cup is still here, if they're even still in this coffee shop, if this coffee shop even exists. But I can't seem to stop it. My my like, default mode is, you know, he said while taking a sip and burning his lip or whatever, right? Just, I can't seem to not do it.Meg Mitchell MooreYeah, but sometimes that's where you get the gold too, because you wrote all that, and maybe that one sentence is the thing that you needed. So it's just the process.KJ Dell'AntoniaYeah, it is. It's just the process, and it's longer than we hope and slower than we hope...Meg Mitchell MooreAlways...Always. Yes.KJ Dell'AntoniaAnd more, and more revising. Well, do you have any, like, genius words about revision for people? Because it sounds like you do a lot of it.Meg Mitchell MooreI do a lot of it. I think just is so important. It's just so for me, it's so important. I just think nobody gets it right. I hope nobody gets it right the first time. Because if they do, I'm really jealous, but I think for the most part, nobody gets it right the first time. So revision is, I mean, I'd say I spent almost as much time on the revision I probably do as I do on the first draft.KJ Dell'AntoniaDo you still lie to yourself in the first draft and let yourself pretend it's going to be right?Meg Mitchell MooreOh yeah. I always think, Oh, this is the time I did it, I nailed it, and then I get my editorial letter, and it's like, great start. Here's the 700 things that you need to do now.KJ Dell'AntoniaWell, thank you. I feel better. I hope everyone else does too.Meg Mitchell MooreYeah, it's a long process.KJ Dell'AntoniaIt really is, all right. Well, this was fantastic. I really enjoyed it.Meg Mitchell MooreYeah, me too.KJ Dell'AntoniaAs we hit the end of any episode, we always like to ask people what they've been reading. So I hope I'm not springing that on you.Meg Mitchell MooreNo, I just I always have an audio book going and a regular book going on audio I just started the Emily Henry, the new Emily Henry, which I've never listened to her books. I've always read them, and I know that Julia, the famous Julia Whelan, is always her narrator, so and she's phenomenal. So I'm loving the audio version, which is just funny that I've never done it with Emily Henry before.KJ Dell'AntoniaDid you listen to Julia Whelan's book that she wrote herself?Meg Mitchell MooreMhmm.KJ Dell'AntoniaThat was so fascinating, because it really was different, like I actually read it, but I could feel the… yeah. Anyway, okay.Meg Mitchell MooreOh, you should go back and also listen. It's so it's such a good audio book.KJ Dell'AntoniaI bet.Meg Mitchell MooreYeah, it was fantastic. And then I'm reading a novel called The Road to Dalton that my friend Hannah, who owns the Book Shop of Beverly Farms in Beverly Farms, Massachusetts, phenomenal store recommended to me. So I bought it last time I was there, and it is about a bunch of people in a small town in Maine, which is my vibe immediately I was in. But it's very good. So I'm reading that. I can't, I can't remember the author, which is unusual for me, but Shannon something I think [Shannon Bowring].. But it's The Road to DaltonKJ Dell'AntoniaThat's okay. I will find it well. As everyone is gathered, I just finished Mansion Beach. I I really loved it. It was a rare book that I loved even more when I got to the end of it. And, yeah, it was amazing. And also in that, that vibe, that sort of small town Maine and yet, but this is like small island, middle of the Atlantic. Welcome to Glorious Tuga. Have you heard of this one?Meg Mitchell MooreNo. I've never heard of it.KJ Dell'AntoniaOkay, so it's a tiny island settled 300 years ago by a miscellanea of Dutch and British and and African people didn't have any locals. So that's kind of and they have formed the society. It's only open for half the year, because you can't, like, get a boat into it, because storms and currents and whatnot. So this woman has gone thinking that she's going to study the native tortoise population all Darwin, but she gets there and they're like, great. You're a vet. That's what we need. So it's kind of like all creatures great and small meets...I don't even know what it meets yet, I got to come up with that. But it's really a lot of fun. And it's very multi it's multi POV in a really interesting way, because you're with her, and then sort of whenever you kind of get a little interested in someone else, you're like, Oh, why are they doing that? Then maybe you'll switch to their POV. it's really, I really enjoyed it so, so that was fun. So those are my ranks, all right. Well, thank you so much, listeners for joining us, and thank you, Meg for joining me today. Where can people follow you? Where's the best?Meg Mitchell MooreMostly on Instagram @Meg Mitchell Moore, I'm on Facebook, but I don't use it very often and I kinda want to leave it. So…I also just read the Facebook, the Facebook memoir.KJ Dell'AntoniaOh yeah?Meg Mitchell MooreNo, I really want to leave Facebook, but also I know that they own Instagram. So anyway, Instagram is the best place to find me, and I was so happy to be here. Thank you. It was really fun.KJ Dell'AntoniaThis was super. Okay. Thanks everyone for listening, and until next week, keep your butt in the chair and your head in the game.Sarina BowenThe hashtag am writing podcast is produced by Andrew Perella. Our intro music, aptly titled unemployed Monday was written and played by Max Cohen. Andrew and Max were paid for their time and their creative output, because everyone deserves to be paid for their work. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit amwriting.substack.com/subscribe

On this edition of the On The Pony Express Podcast presented by Northwest Insurance Agency, Billy Embody is joined by SMU athletic director Damon Evans, where he talks about the expansion of Ford Stadium, the College Football Playoff structure, ACC Spring Meetings, NIL, revenue sharing and more! Texas insurance rates are ridiculous. Call Mark Villasana, a proud SMU alum and owner of Northwest Insurance Agency, is here to fight back. Northwest Insurance Agency fights for our clients and finds the best insurance coverage at the absolute lowest price.Call Mark at 214-352-5656 or email him at markv@nwagencies.com to discuss your current rates, coverage and where you may lack protection.Head to StatusJet.com to learn more about the official presenting sponsor of the On The Pony Express Podcast. Use code PonyUpACC or mention On The Pony Express for a discount on a round trip flip booked with Status Jet. Status Jet is more than just a private jet charter company. They offer a personal touch in every aspect of your business and travel. Whether you are looking for charter flights, searching for the perfect aircraft to buy, or interested in selling a plane, experience a new level of luxury with Status Jet.Check out our sponsor, Tomes Auto Group! Mention On The Pony Express for EMPLOYEE PRICING on a new or pre-owned vehicle! Whether it's a new Ford, Subaru or Volkswagen, Tomes Auto Group will take care of you! Come and check out Tomes Auto Group's full selection of new vehicles, or get a great deal on a reliable pre-owned model. No matter which vehicle you decide on, their professional finance teams will help you get settled with a competitive financing or lease plan.Call up our friends at Mosquito Shield to eliminate those unwelcome guests in your backyard! Use code "Pony Up" for the best pricing for the remainder of the season. Service is available all across DFW and other Texas locations. Call 214-775-0622 or go to MoShield.com to schedule your appointment. Mignon, Plano's premier French inspired restaurant, is your next stop for a 5-star meal. Nick Natour, a former SMU offensive lineman, and his family own and operate this impressive restaurant, which serves dinner seven days a week and brunch on Sundays. Mignon offers two private dining rooms, a charming main dining room, a classic bar, and one of the best waterfront patios in Plano. This neighborhood gem is the perfect place to celebrate birthdays and anniversaries, drinks with friends and family, corporate gatherings, wedding receptions, and rehearsal dinners. Make a reservation today on OpenTable. Want to revamp your yard with artificial turf, a putting green or both? Take $500 off your first project with code PONYUP at AKM Turf and Greens! AKM Turf and Greens strives to provide a quality product at a competitive price with customer service at the forefront. Head to akmturfandgreens.com NOW to connect with their staff or email info@akmturfandgreens.com to start the process! Are you…Ready to leave the corporate Rat Race for the American Dream?Looking for a side hustle while working your current job?Wanting to diversify, build wealth, and/or leave a legacy?Andy Luedecke can help!!!Andy is a franchise consultant (as well as franchise owner) and helps people find franchises that fit their skill sets, financial requirements, time to commit and more….His services are 100% free and he's here to help if you have any questions about business ownership.Andy Luedeckewww.MyPerfectFranchise.Netp: 404-973-9901e: andy@myperfectfranchise.netBook time with me at: Andy's Calendar

This week on the Retirement Quick Tips Podcast, I'm talking about the American Dream. According to a 2024 report from Investopedia, the American dream now costs $4.4 million.  Today, we're discussing what the American costs when it comes to houses and cars

Today, I'm talking with journalist Megan Greenwell about her new book Bad Company: Private Equity and the Death of the American Dream. It comes out June 10th. It's fantastic and maddening in equal measure. I highly recommend it. In this episode, we discussed the genesis of Megan's interest in the subject and its genesis in media — including her time as editor-in-chief of the website Deadspin, which underwent a very public PE takeover of its parent company. We also talk a lot about the healthcare industry, another major pillar of Megan's book. I'm excited to hear what you think of this one. Links:  Bad Company | HarperCollins Private equity bought out your doctor and bankrupted Toys ‘R' Us | Decoder Private equity Is gutting America — and getting away with it | NYT I was fired from Deadspin for refusing to ‘stick to sports' | NYT Will private equity be the next ‘Big Short'? | Marketplace The profit-obsessed monster destroying American ERs | Vox Why your vet bill is so high | The Atlantic The investment firms leave behind a barren wasteland' | Politico Credits: Decoder is a production of The Verge and part of the Vox Media Podcast Network. Our producers are Kate Cox and Nick Statt. Our editor is Ursa Wright.  The Decoder music is by Breakmaster Cylinde Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ole Miss slugger Judd Utermark returns to Talk of Champions, powered by RiverLand Roofing, to preview the Oxford Regional. The Rebels' road to Omaha begins Friday against Murray State.Text or call RiverLand today for all your roofing needs: 662-644-4297. Few, if any, are doing more for Ole Miss athletics in the NIL (name, image and likeness) space. Visit them online at RiverLandRoofing.com.Head to StatusJet.com and mention OMSpirit for a discount on a round-trip flight booked with Status Jet. Status Jet is more than just a private jet charter company.Status Jet offers the safest, finest aircraft in the luxury private jet charter industry, coupled with an unparalleled level of service.With a number of domestic and international destinations, as well as custom destinations tailored to your needs, they are prepared to fly above your expectations. At Status Jet, they don't just take you from point A to point B—they bring fun and fascination back to the flying experience.We've partnered with College Corner! Locations in Ridgeland, Flowood and Oxford at the Oxford Commons! Shop all the latest Ole Miss gear from our friends at College Corner! Shop them HERE: https://collegecornerstore.idevaffili...Check out Rhoback.com for all the best polos, hoodies, pullovers, shorts, joggers and more! Use code OLEMISS20 for 20% off your 1st order! Check out some of their best gear here: https://rhoback.com/Are you ready to leave the corporate Rat Race for the American Dream?Looking for a side hustle while working your current job?Wanting to diversify, build wealth, and/or leave a legacy?Andy Luedecke can help!!! Andy is a franchise consultant (as well as franchise owner) and helps people find franchises that fit their skill sets, financial requirements, time to commit and more.His services are 100% free and he's here to help if you have any questions about business ownership.Andy Luedeckewww.MyPerfectFranchise.Netp: 404-973-9901e: andy@myperfectfranchise.netAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Andreea Parc was living what many would call the American Dream—a successful New York attorney with a thriving practice. But that dream unraveled when her law firm was raided for immigration fraud. Convicted and sent to prison, Andreea lost everything—except her will to transform.In this raw and inspiring episode, she shares her journey from courtroom success to courtroom defendant, from prison walls to personal breakthrough. Now a mindset coach and author of Alive Again, Andreea opens up about shame, resilience, and the power of starting over. This is not just a story of crime and consequence—it's about redemption, reinvention, and reclaiming your life.Tune in to hear how Andreea Parc turned her lowest moment into her greatest calling.Show sponsors: Navigating the challenges of white-collar crime? The White-Collar Support Group at Prisonist.org offers guidance, resources, and a community for those affected. Discover support today at Prisonist.org Protect your online reputation with Discoverability! Use code NIGHTMARE SUCCESS for an exclusive discount on services to boost your digital image and online reputation. Visit Discoverability.co and secure your online presence today. Skip the hassle of car shopping with Auto Plaza Direct. They'll handle every detail to find your perfect vehicle. Visit AutoPlazaDirect.com "Your personal car concierge!"

In a fiery broadcast, Tara and Lee unpack Elon Musk's dramatic and frustrated exit from the political scene—an exit aimed squarely at GOP leadership and their spending habits. The show dives deep into the consequences of congressional fiscal policy, highlighting shocking statistics like the median age of first-time homebuyers skyrocketing to 56. With personal stories, political critique, and breaking news on Doge's legal victory to uncover $1.7 trillion in Treasury payments, this episode explores the crumbling middle-class dream and the grassroots resistance trying to salvage it.

What happens when homeownership becomes a fantasy, the middle class is hollowed out, and both parties in Congress pretend not to notice? In this explosive and emotionally charged monologue, the harsh reality of America's economic collapse is exposed—through the eyes of a mortgage broker's family on the frontlines. With powerful personal stories and shocking economic stats, the speaker tears into Washington's reckless spending, runaway inflation, and a rigged system that favors the elite while crushing young Americans under unaffordable housing and rising debt. From the generational theft of homeownership to buried victories against Treasury fraud, this commentary connects the dots between kleptocracy, class warfare, and a dying American dream. This isn't about left or right—it's about survival. And it's a call to wake up before it's too late.

In this two-part exposé, the brutal truth about America's vanishing middle class is laid bare. With rising mortgage rates, unaffordable housing, and a government addicted to spending, this passionate commentary dives deep into how both Republicans and Democrats have sold out the American Dream. Drawing from personal experience, economic data, and shocking revelations about fraud inside the U.S. Treasury, the host makes a compelling case: Congress has become a kleptocracy, stealing the future from our children to enrich themselves. From the collapse of homeownership to systemic financial corruption, this is a wake-up call to every American wondering why they can no longer get ahead—and why their kids may never own a home.

In this impassioned monologue, the host breaks down how both Republican and Democrat lawmakers have quietly destroyed the American Dream—homeownership. With personal anecdotes and hard data, she reveals the devastating impact of inflation, sky-high mortgage rates, and reckless government spending. From the median homebuyer age skyrocketing to 56, to housing developments turning into rentals, this is a brutal exposé on how Congress—through printing money and fueling a national debt crisis—is robbing the middle class blind. Plus, a rare legal win allowing federal engineers to investigate trillions in shady payments adds a glimmer of hope. But is it too late to fix a system turning into a kleptocracy?

Hi friends, happy Wednesday!  Do you guys remember that movie “Where the Heart Is?” It's all about this girl who secretly moves into the store without anyone noticing, then she gives birth in the mattress department… and again, no one notices… It stars Natalie Portman, it's great.  When I was a kid and I saw this movie, it was 100% believable to me. I mean when I think of Walmart, I think of this ridiculously *HUGE* store with everything you could possibly need.  I'm talking late night tampon runs, trashbags, nail polish removers, hot Cheetos and cream cheese… if you know you know. I honestly don't even remember a time in my life when Walmart didn't exist.  Millions of Americans depend on their low prices just to get by in this economy. Walmart is a savior to some people.  Others believe it's the reason millions of Americans are in debt. I know… plot twist. Whatever you believe… Walmart is the biggest company in the world and *everyone* has an opinion on it.  So of course I had to get the tea for us. Welcome to the Dark History of WALMART! I appreciate you for coming by, and tune in next week for more Dark History. I sometimes talk about my Good Reads in the show. So here's the link if you want to check it out. IDK. lol: https://www.goodreads.com/user/show/139701263-bailey ________ FOLLOW ME AROUND Tik Tok: https://bit.ly/3e3jL9v Instagram: http://bit.ly/2nbO4PR Facebook: http://bit.ly/2mdZtK6 Twitter: http://bit.ly/2yT4BLV Pinterest: http://bit.ly/2mVpXnY Youtube: http://bit.ly/1HGw3Og Snapchat: https://bit.ly/3cC0V9d Discord: https://discord.gg/BaileySarian* RECOMMEND A STORY HERE: cases4bailey@gmail.com Business Related Emails: bailey@underscoretalent.com Business Related Mail: Bailey Sarian 4400 W. Riverside Dr., Ste 110-300 Burbank, CA 91505 ________ This podcast is Executive Produced by: Bailey Sarian & Kevin Grosch and Joey Scavuzzo from Made In Network Head Writer: Allyson Philobos Writer: Katie Burris Additional Writing: Jessica Charles Research provided by: Coleen Smith Special thank you to our Historical Consultant: Charles Fishman - Journalist and author of “The Wal-Mart Effect” and “One Giant Leap”. Director: Brian Jaggers Additional Editing: Julien Perez and Maria Norris Post Supervisor: Kelly Hardin  Production Management: Ross Woodruff Hair: Angel Gonzalez Makeup: Nikki La Rose

Postseason baseball returns to Swayze Field this weekend. Ole Miss hitting coach Mike Clement joins this edition of Talk of Champions, powered by RiverLand Roofing, to preview the Oxford Regional, which also features Georgia Tech, Western Kentucky and Murray State. The Rebels kicked the hosting door down in the SEC Tournament and secured the No. 10 overall seed. Clement explains how Ole Miss was able to turn things around after back-to-back losing seasons following the 2022 national title.Text or call RiverLand today for all your roofing needs: 662-644-4297. Few, if any, are doing more for Ole Miss athletics in the NIL (name, image and likeness) space. Visit them online at RiverLandRoofing.com.Head to StatusJet.com and mention OMSpirit for a discount on a round-trip flight booked with Status Jet. Status Jet is more than just a private jet charter company.Status Jet offers the safest, finest aircraft in the luxury private jet charter industry, coupled with an unparalleled level of service. With a number of domestic and international destinations, as well as custom destinations tailored to your needs, they are prepared to fly above your expectations. At Status Jet, they don't just take you from point A to point B—they bring fun and fascination back to the flying experience.We've partnered with College Corner! Locations in Ridgeland, Flowood and Oxford at the Oxford Commons! Shop all the latest Ole Miss gear from our friends at College Corner! Shop them HERE: https://collegecornerstore.idevaffili...Check out Rhoback.com for all the best polos, hoodies, pullovers, shorts, joggers and more! Use code OLEMISS20 for 20% off your 1st order! Check out some of their best gear here: https://rhoback.com/Are you ready to leave the corporate Rat Race for the American Dream?Looking for a side hustle while working your current job?Wanting to diversify, build wealth, and/or leave a legacy?Andy Luedecke can help!!! Andy is a franchise consultant (as well as franchise owner) and helps people find franchises that fit their skill sets, financial requirements, time to commit and more.His services are 100% free and he's here to help if you have any questions about business ownership.Andy Luedeckewww.MyPerfectFranchise.Netp: 404-973-9901e: andy@myperfectfranchise.netAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

This week on RED, Michelle Barone and Ashleigh McPherson sit down with culinary content creator and queen of cozy cooking, Danielle Cucina — the force behind Have You Covered in the Kitchen.From nostalgic family recipes to building her brand one bite at a time, Danielle shares how food became her love language and her platform for connection. They talk food, flavor, family, and finding your voice online. Whether you're a seasoned chef or a microwave pro, this episode will have you laughing, drooling, and feeling inspired to turn up the heat on your own creative passions.-----------------------------------------------------Support Our Sponsors! Mental Health America of Dutchess County: Dedicated to promoting mental health and providing comprehensive support services to individuals and families. Learn more and find resources at https://mhadutchess.org.WAVA Water: Discover how Wava Water goes beyond hydration to fuel your body and mind. Visit wavawater.com to find your focus and stay refreshed.Pixi Beauty: Discover the natural glow with Pixi Beauty products. Shop now at https://pixibeauty.com and let your skin shine.Mahoney's Irish Pub: Friday nights at Mahoney's Irish Pub are where the vibes are HIGH, the drinks are flowing, and the weekend officially begins! From Orphan to Millionaire: From the gunfire of a Colombian nightmare to the fulfillment of the American Dream, discover Steve Prohaska's gripping journey to survival in his unyielding memoir. https://bigstevebigmoves.com/product/book/ -----------------------------------------------------Subscribe to the podcast now: https://www.youtube.com/@michellebaroneredpodcast Check out RED on Instagram: https://www.instagram.com/michellebaronered?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw== Follow Michelle Barone Instagram:  https://www.instagram.com/michellebaroneonline/ Tiktok: https://www.tiktok.com/@michellebarone?is_from_webapp=1&sender_device=pc Follow Ashleigh McPhersonInstagram:  https://www.instagram.com/ashhmcpherson/ Tiktok: https://www.tiktok.com/@ashhmcpherson?is_from_webapp=1&sender_device=pc YouTube: https://www.youtube.com/@Ashmcpherson Check out RED for more: https://michellebaroneonline.com/ 

Scott and Jessica sit down with Rahm Emanuel—former Chicago mayor, Obama Chief of Staff, and U.S. Ambassador to Japan—for an unfiltered conversation about the Democratic Party at a crossroads. They cover everything from Biden's health and GOP tax cuts to rising antisemitism, the education crisis, and the growing struggles facing young men. Plus, Rahm weighs in on 2028—and whether he's seriously considering a run. Follow Jessica Tarlov, @JessicaTarlov.  Follow Prof G, @profgalloway. Follow Raging Moderates, @RagingModeratesPod. Learn more about your ad choices. Visit podcastchoices.com/adchoices