Podcast appearances and mentions of Andrew Carnegie

Is the life you're experiencing right now something you've been unconsciously creating — or are you creating from a place of purpose and intention?  Most of you know manifestation is one of my favorite topics to discuss! In this episode, I sit down with Papi DiNuzzo — wealth manager, manifestation coach, and author of Manifest Anything You Can Imagine — for a spontaneous, high-frequency conversation about what it really means to consciously create your life. We go beyond surface-level “law of attraction” ideas and into how your thoughts, emotions, and subconscious patterns may be shaping your reality in ways you may not even realize. We talk about why so many of us feel stuck in repeating patterns, how negative self-talk can influence what we attract, and why the first moments of your morning can be so important. Papi shares his perspective on the subconscious mind, energy, and why manifestation is not a quick fix but something you live and practice daily. We also explore gratitude, belief, and emotional alignment, along with how focusing on the past or worrying about the future can pull you out of the present moment where real change happens. We talk about the importance of getting clear on what you truly want and what it takes to begin creating from that place.  This conversation opens up a deeper look at purpose — why we're here, what we're here to create, and how much power we may actually have to shape our lives. Key Moments You'll Love ✨ :

Last weekend saw the annual Petersfield Football Club's Junior awards. The event recognises the best achievements from the Under 8s to the Under 16s boys and girls teams. Shine Radio is there to listen to player's accounts of their season as well as coach Rob Fleming and chairman Nick Orr. https://www.petersfieldtownfc.co.uk/ And our victorious women's senior side are league title winners again! The Rams are back to back champions leaping 2 divisions in just 2 seasons. Kevin pays a visit to Steep Lawn tennis club's open day armed with a dusted off racquet. We catch up with chairman Andrew Carnegie about the event and Jen Pigden tells us how the teams have fared over the winter and summer leagues. https://clubspark.lta.org.uk/SteepLawnTennisClub . The standard of Petersfield rugby is on an unbelievable upward trajectory right now and a selection of no less than 6 Petersfield players in to the Hampshire side is the perfect indicator. This weekend our super six take on Leicestershire at Twickenham for the Bill Beaumont trophy. https://www.petersfieldrfc.club/ . We also catch up on the latest news from the rugby club with their very ambitious plans heading into their centenary year. In cricket the men's first side have had themselves the perfect start, an impressive 3 wins from 3 but more striking than this headline, is the manner in which they are brushing aside the opposition. https://www.petersfieldcricket.club/ . See omnystudio.com/listener for privacy information.

This is Part 2! For Part 1, check the feed!This week we're looking at commercial entities that went bigger than their wildest dreams. We've got for you: Japanese consumer electronics firm Casio, how did Cadbury make that chocolate money and lastly, how Andrew Carnegie acquired insane wealth and then, incredibly, went about giving it away!And isn't the world a better place for mass sporting events? AND IS THE WORLD TALKING ENOUGH ABOUT ELIS RUNNING THE HACKNEY HALF? Do let us know: hello@ohwhatatime.comAnd from now on Part 1 is released on Monday and Part 2 on Wednesday - but if you want more Oh What A Time and both parts at once, you should sign up for our Patreon! On there you'll now find:•The full archive of bonus episodes•Brand new bonus episodes each month•OWAT subscriber group chats•Loads of extra perks for supporters of the show•PLUS ad-free episodes earlier than everyone elseJoin us at

Andrew Carnegie did not believe philanthropy was simply about relieving immediate need. He believed it was about creating opportunities that could create generational change. In this special episode, we look at how Carnegie's philosophy shaped modern giving through libraries, education, research, and long-term investment in human potential. Challenging nonprofits to think beyond short-term charity and ask a harder question. Are we only responding to problems, or are we helping people escape them? A reflection on wealth, responsibility, and the deeper purpose of philanthropy.

This week we're looking at commercial entities that went bigger than their wildest dreams. We've got for you: Japanese consumer electronics firm Casio, how did Cadbury make that chocolate money and lastly, how Andrew Carnegie acquired insane wealth and then, incredibly, went about giving it away!And isn't the world a better place for mass sporting events? AND IS THE WORLD TALKING ENOUGH ABOUT ELIS RUNNING THE HACKNEY HALF? Do let us know: hello@ohwhatatime.comAnd from now on Part 1 is released on Monday and Part 2 on Wednesday - but if you want more Oh What A Time and both parts at once, you should sign up for our Patreon! On there you'll now find:•The full archive of bonus episodes•Brand new bonus episodes each month•OWAT subscriber group chats•Loads of extra perks for supporters of the show•PLUS ad-free episodes earlier than everyone elseJoin us at

Today is all about Cassie Chadwick, the Gilded Age Grifter who was the proto-Anna Delvey in the late 1800s and early 1900s. We'll follow Cassie as she assumes multiple identities, creates elaborate backstories, and develop her brashest con -- claiming to be Andrew Carnegie's daughter -- all to climb the ladder of high society and obtain the privileges (and riches) that come with it. Be sure to Subscribe, Rate, & Review on Apple Podcasts, Spotify, and Audible!Support the show by becoming a sponsor on our Patreon: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.Patreon.com/NYMysteryMachine⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠NYMM Merch! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.NYMysteryMachine.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Have a strange and/or paranormal story?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Share it here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Don't forget to follow us on all the socials:Instagram:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@NYMysteryMachine⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | TikTok:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@NYMysteryMachine⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bluesky:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@nymysterymachine.bsky.social⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | X:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@NYMysteries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | Facebook:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@NYMysteryMachine⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠--THANK YOU TO OUR SPONSORS:PRINTFUL: Design your own merch, apparel, and accessories by heading to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.printful.com/a/nymysterymachine⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AUDIBLE: Get a FREE 30 Day Trial by heading to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.AudibleTrial.com/NYMysteryMachine⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠RIVERSIDE.FM: Looking to record podcast, but need software? Head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://riverside.fm/?via=nymysterymachine⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

铁路、钢铁、石油 —— 150年前，一批工业大亨用这些东西重塑了美国。今天，换成了算法、平台和 AI，历史的剧情，是否真的在重演？ 19 世纪末，跨大陆铁路的出现彻底改变了美国：统一的市场、标准时区、现代公司制度、金融市场的崛起，还有财富向少数人的剧烈集中。那是一个被称为「镀金时代」的年代 —— 表面金光闪闪，内里却也有赤裸裸的政商勾连、劳工剥削，以及一场迟来的社会反弹。它最终推动了反垄断立法、参议员直选，乃至整个现代民主制度的修正。 这一期节目，我们邀请到老朋友马啸老师返场，从铁路出发，聊一聊镀金时代究竟发生了什么，那段历史与今天的 AI 时代有哪些惊人的相似，又在哪里出现了新的变量。 本期人物 马啸，北京大学政府管理学院长聘副教授、博士生导师 徐涛，声动活泼联合创始人 主要话题 [08:03] 铁路如何重塑美国：从标准时区的发明到现代公司制度的诞生 [18:09] 政府赠地、土地财政与一哄而上的铁路泡沫 [23:04] 由铁路拉来的新国家想象与民族自豪感 [33:48] 铁路公司为什么要雇佣西点军校的毕业生 [39:28] 美国的早期游说：铁路大亨如何用免费乘车券贿赂政治家 [45:57] 扒粪运动与制度反弹：镀金时代后期美国的渐进式改革 [54:46] 从铁路大亨到硅谷巨头，历史正在再一次重演吗 延伸阅读 Richard White 的相关文章： 《The Gilded Age holds lessons for today, says Richard White》 《If 19th-century plutocrats are dinosaurs, we're now in Jurassic Park》 康内留斯·范德比尔特（Cornelius Vanderbilt，1794—1877） 一位出身纽约、有着荷兰血统的工业家、慈善家，他依靠内陆水运贸易致富，并逐步取得优势地位，随后大力投资美国快速发展的铁路产业，进而显著改变了美国的地理格局。范德比尔特是美国镀金时代工商业狂飙突进的象征，同时也常被描绘为「强盗男爵」的代表人物。 科利斯·波特·亨廷顿（Collis Potter Huntington ，1821－1900） 一位美国实业家和铁路大亨。他是西部铁路四大巨头之一，他们投资了西奥多·朱达的构想，修建了中央太平洋铁路 ，这是美国第一条横贯大陆铁路的一部分。 卡耐基（Andrew Carnegie，1835-1919） 苏格兰裔美国钢铁大亨，镀金时代最具代表性的财富人物之一。他创建的卡耐基钢铁公司垄断了美国钢铁市场，后以约 4.8 亿美元出售给 JP 摩根，成为当时历史上最大的商业交易。晚年将大部分财富捐出，资助兴建了遍布全美的公共图书馆和卡耐基音乐厅，提出「在巨富中死去是一种耻辱」的著名论断。 洛克菲勒（John D. Rockefeller，1839-1937） 美国石油大亨，标准石油公司创始人。通过垄断炼油、管道和铁路运输，一度控制美国 90%以上的石油市场。1911年，标准石油公司被美国最高法院以违反反垄断法为由强制拆分，成为美国反垄断历史上的标志性案例。他也是现代慈善事业的奠基人之一，创立了洛克菲勒基金会。 马克斯·韦伯（Max Weber，1864-1920） 德国社会学家，现代社会科学的奠基人之一。他提出的「官僚制」概念，描述了以专业分工、层级管理、规章流程为核心的现代组织形态——而铁路公司正是他眼中这种理性化官僚制的最佳范本。他的思想至今仍是理解现代国家与企业组织的重要框架。 镀金时代（Gilded Age） 指美国内战结束后约1870至1890年代的历史时期，由作家马克·吐温命名。「镀金」暗指这个时代表面光鲜，内里问题重重——工业化与铁路扩张带来了空前的财富积累，却也伴随着严重的贫富分化、政商勾连与劳工剥削。这一时期美国超越欧洲成为世界第一大经济体，也为此后的反垄断运动和制度改革埋下了伏笔。 太平洋铁路法案（Pacific Railway Act，1862） 美国内战期间由林肯总统签署的联邦立法，授权修建横贯北美大陆的跨洲铁路，并向铁路公司提供大规模土地赠送和政府债券担保。这部法案正式开启了美国西部大开发的序幕，也催生了镀金时代的铁路热潮与随之而来的金融泡沫。 扒粪运动（Muckraking） 19世纪末20世纪初兴起于美国的调查性新闻运动。一批记者和作家通过深度报道，揭露铁路大亨、石油巨头对政治的操控以及恶劣的劳工条件，引发广泛的社会反响。这场运动直接推动了多项重要改革立法，也奠定了现代调查新闻学的传统。「扒粪」一词来自西奥多·罗斯福总统对这批记者的戏称。 托拉斯（Trust） 镀金时代企业垄断的核心组织形式。由于当时美国各州法律限制外州公司在本州经营，铁路和石油公司发展出「信托」这一法律结构——将不同州的公司股权集中交由同一批受托人控制，从而绕开州际限制实现跨地域垄断。托拉斯的泛滥最终引发了公众对垄断的强烈反弹，推动了1890年《谢尔曼反垄断法》的出台，也是今天「反垄断」概念的历史起点。 给声东击西投稿 声东击西正在密切关注中东战局及其带来的影响，所以如果你所在的行业或公司，正在受到霍尔木兹海峡封锁的影响，欢迎向我们投稿，你的声音对我们非常重要。 投稿入口 你也可以直接通过邮箱直接联系节目组：kexuan@shengfm.cn 「Knock Knock 世界」 小白鼠、猴子......曾经必做的动物实验，在发生哪些变化？https://sourl.co/sTmsee 在「Knock Knock 世界」里，听到全球新鲜事，还能成为「全球观察员」，报选题、参加选题会。2026 年的节目正在持续更新。 加入我们 声动活泼团队目前正在招聘内容监制、商业运营经理、商业发展经理和部分实习生，如果你也对播客行业的内容制作和商务运营感兴趣，欢迎投递！ 到详情点击招聘入口：加入声动活泼（在招职位速览） 幕后制作 监制：可宣 后期：赛德 运营：George 设计：饭团 实习生：Jean 商务合作 声动活泼商业化小队，点击链接可直达商务会客厅（商务会客厅链接：https://sourl.cn/QDhnEc ），也可发送邮件至 business@shengfm.cn 联系我们。 关于声动活泼 「用声音碰撞世界」，声动活泼致力于为人们提供源源不断的思考养料。 我们还有这些播客：不止金钱、跳进兔子洞第三季、声东击西、声动早咖啡、What's Next｜科技早知道、反潮流俱乐部、泡腾 VC、商业WHY酱 欢迎在即刻、微博等社交媒体上与我们互动，搜索 声动活泼 即可找到我们。 也欢迎你写邮件和我们联系，邮箱地址是：ting@sheng.fm 获取更多和声动活泼有关的讯息，你也可以扫码添加声小音，在节目之外和我们保持联系！ Special Guest: 马啸.

His name may be familiar – but how much do you really know about Andrew Carnegie? In this week's episode, Jackie and her guest introduce you to a man who was once the richest individual on the planet, explaining both how he made his wealth and why he started to give it away. Whether you're familiar with his origins in Scotland or know only of some of his achievements in the US, this episode will introduce you to a fascinating entrepreneur of the past. Joining Jackie is author, biographer and historian David Nasaw, and we take a trip to the Trust's own Weaver's Cottage to discover what life would have been like for Andrew and his family. To enjoy more episodes of Love Scotland, please follow or subscribe wherever you get your podcasts.

Napoleon Hill - 6 Fears That Keep You Poor (Think and Grow Rich). Napoleon Hill in his book Think and Go Rich talks about what he calls the "Six Ghosts of Fear" that keep you poor. In this podcast, we're going to go through each of these six fears and look at practical ways to overcome them.Napoleon Hill was an American self-help writer who spent about twenty years studying what really makes people rich. During that time, he met and learned from some of the biggest business figures of his era, including Andrew Carnegie and Henry Ford, to understand how they built their wealth.He eventually condensed those lessons into his book Think and Grow Rich.  which has remained one of the most widely read guides for people looking to improve their financial lives or get out of poverty.In the final chapter, Hill talks about what he calls the "Six Ghosts of Fear." These are psychological barriers that act as invisible brakes on your progress, compromising your mind and preventing you from reaching any kind of success. According to Hill, it's impossible to create a better future while these fears are still in control. So today, we're going to go through each of these six fears and look at practical ways to overcome them.So here are 6 ghosts of fear that keep you poor from Napoleon Hill's Think and Go Rich.01. The Fear of Poverty02. The Fear of Criticism03. The Fear of Ill Health04. The Fear of Loss of Love05. The Fear of Old Age06. The Fear of DeathI hope you enjoyed listening to this podcast. 

Keith breaks down why real wealth is built through concentration, not diversification and explains how focusing on one main vehicle—like a specific real estate strategy, business, or career niche—creates the expertise and asymmetric returns diversification can't.  He also clarifies that diversification isn't useless; it's most powerful later in life as a wealth preservation tool, not a wealth builder. Contrasting building wealth with simply earning a living, showing why specialization is the key to higher income.  Finally, he highlights the one area where diversification truly shines: your relationships and network, which provide resilience, perspective, and long-term support. Episode Page: GetRichEducation.com/605 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, is wealth built through diversification or concentration? There is one clear answer. Then, in five year age increments, how should you think about wealth building and real estate at age 2025, 3035, and so on, all lay out each one today on get rich education.   Keith Weinhold  0:26   Flock homes helps multi family owners exit the operator grind, whether it's your six Plex or a 50 unit apartment through a 721 exchange, this defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management request your initial valuation, see if your property qualifies at flock homes.com/gre, that's F, l, O, C, K, homes.com/gre,   Speaker 1  0:59   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  1:15   Welcome to GRE from Buffalo New York to Buffalo Wyoming and across 108 nations worldwide. I'm Keith Weinhold. You're listening to get rich education. I am back here with easy to understand language to help you learn why and how real estate has made more ordinary people wealthy than anything else, and in your personal path to wealth building, how do you think that wealth is achieved is it through diversification or concentration? Because there is a clear cut answer. There is no squishy wishy washy, a little of this and a little of that, or no major exceptions. No gray area here. And it's interesting because I have a CFA friend, that means chartered financial analyst who's really smart and really well trained, and yet he seems confused by this. We disagree on this one straight away. Do you think that you're going to build wealth if you diversify or if you concentrate? And if you're still undecided here, I'll give you a hint. I'm going to ask this integral question one last time and stress a word in this sentence for you. This could really help you out. Is wealth built through diversification or concentration? With that emphasis on built accumulated? The answer is that overwhelmingly, wealth is built through concentration, not diversification. Most people who actually create any really meaningful wealth, they didn't go sprinkle a little money everywhere. Instead, they really focused hard on one thing, whether that thing was a business or a career niche or a narrow set of high conviction investments or a specific real estate strategy, for example, single family rentals or self storage facilities or assisted living homes. And why? Well, because concentration amplifies your upside. It lets you develop expertise which gives you an edge over everybody else, and it's what turns average returns into asymmetric ones. Think about how Warren Buffett made massive gains early with concentrated bets. Or how Jeff Bezos went all in on just a few ventures, or Sarah Blakely on just a few ventures. Those that say don't put all your eggs in one basket, well, all right. I mean, you can look at the world that way, that is a diversification path. Though you're going to end up working full time until you're age 68 and you'll probably be safe and you might just have a sound retirement, but you have done so much trading away of your time in your best years for dollars. I mean, that's it. That's not a wealthy path. Your employer wants you to invest any of your extra income in a diversified way so that you're not going to build enough wealth to leave that employer early. And yes, we're back to the old Andrew Carnegie. Put all your eggs in one basket and then really watch that basket. Carnegie's concentration was in the steel industry, wealth. That's what we're talking about here, like something outstanding, extraordinary, not just a good enough retirement nest egg. Maybe real wealth is built through concentration. This is why we concentrate on one thing here on this show. Largely real estate investing, because you don't build wealth from diversification. All right now, yes, there could be a little diversification even inside residential real estate investing, say, maybe you want to get into three markets. Call it Atlanta, Indy and Kansas City. But overall, that is still concentration in residential real estate investing. And if you want to be outstanding, you have got to embrace the heterodox, meaning a departure from the Orthodox. Orthodoxy is spreading all your money around in, say, the s and p5 100 index, we're almost guaranteed then to get a pedestrian like outcome. And now look, once you've built something and you've got something to protect, which is however you've decided to build your wealth through concentration, oh, now that's when the game changes. You'll probably best protect your wealth, not build it protect what you've built through diversification that being done when you're older. And what diversification does for you is that it reduces your downside risk, it smooths volatility, and it prevents a single mistake from wiping you out. So at this stage, you're no longer trying to win big. You're just trying not to lose big. The mistake most people make is that they diversify too early, and that usually ends up leading to mediocre returns, no real expertise, and these sort of portfolios that are busy but not wealthy, it's sort of like planting 20 seeds and then not watering any of them enough.   Keith Weinhold  6:47   All right. So here's a smarter progression across your investing life. In your early stage, which is your wealth building phase, you want to concentrate your time, your energy, your capital, you want to build skill and conviction, and then you want to take calculated asymmetric bets after, say, 10 or even 20 years of that, you enter the mid stage. That's where you'll start spreading across related areas, for example, multiple property types, but still in markets that you understand. And then finally, after 10 or 20 years of this mid stage, it is later stage, which is wealth preservation only. Then is where you diversify broadly across asset classes and all sorts of geographies. And then you protect yourself against tail risks. So the bottom line is that concentration creates wealth, diversification preserves it. If you try to flip that order, you are going to stay stuck. And if you're young and you're still diversified, and you might think you're okay, and you even project that you're going to have something built up, like, say, $8 million in retirement. If you just keep this up, what you've just done is that you're making my point for me, because 8 million, that is not going to be an outstanding amount at all by the time you reach conventional retirement age, you had better flip to concentrating in something, whether it's residential real estate or data center construction or pressure washing. All right, so that was wealth building. Now, how about instead of wealth? Say that you're trying to make a living, all right, this is a different subject. Now, if you're trying to earn a living, should you diversify, or should you concentrate? How do you make a good living? Which is working at your day job? That's what we're talking about here. Now, once again, the answer is, through concentration, not diversification. We became a society of specialists by the Industrial Revolution 200 years ago, if not sooner, making a good living that comes from being valuable at something specific, not average at a whole bunch of things. One strong income engine beats five weak ones. Depth pays more than breadth. People are willing to pay you for expertise, not for dabbling around. This is whether it's a niche in real estate or a specific profession or a focused business model, you need one thing that reliably throws off good income and a little story here. I don't want this to be disparaging to Uber drivers, because I appreciate what they do and where they drive me. But I recently had an Uber driver. It happened to be in Hollywood, and this uber driver is also a stand up comedian there in West Hollywood. Well, those are two very diverse activities, driving and being a comedian, and that tells me something he's not a very successful. Stand up comedian. If you try to diversify too much, your attention gets split, your skill development slows, and your income plateaus at just okay. Now I'm fortunate enough to have had some good success at what I do, real estate investing, and then talking about real estate investing with you here, that is my specialty, my concentration. I don't mow my own lawn. A specialist does that. I don't shovel my own snow. A specialist with all the right equipment and all the expertise does that. I don't do my own accounting. Now in what feels like a previous life to me, when I used to work a day job for the Department of Transportation, and there were problems with paving a specific type of asphalt on the roads in cold weather, a specific specialist would fly out to help us troubleshoot that. He was a high paid consultant, because he is in a niche that's very tiny. So when it comes to the matter of making a living, where diversification fits is once your primary income stream is stable and predictable, well then maybe you could add a second complementary stream, and not something that's random, build redundancy so that you're not fragile. But just think of that as a backup engine. You don't want to think in terms of 10 side hustles. For an example, a real estate investor adds another market or a strategy, a w2 professional well, they had maybe one serious side income, and that's just a matey. Surely not six apps and gigs if you're out there chasing everything, then you are going to earn less. And now that I've discussed how you want to concentrate, not diversify if you want to build wealth, and you also want to concentrate not diversify if you want to make a good living, well then you might wonder, gosh, does diversification have any place in my life? Is there any life facet at all where diversification gives you an advantage? Yes, there definitely is. Do you have any idea where diversification helps you as you look at all areas of your life, because there is one clear cut place, and that is relationships. Yeah, whether it's romantic relationships, like dating a potential spouse or in the broader sense, I mean, when you met your eventual husband or wife, it's not very likely that you impress them by going deep on some nuance that has to do with asphalt paving, or how you or how you increase your cash on cash return with management efficiencies on your single family rental portfolio in Little Rock Arkansas,   Keith Weinhold  12:57   In relationships, you become attractive to people because you can say, show a soft side, or be a good listener or know how to dance a little all while you can make a good living a diversified relationship portfolio. Now for you, that might mean having close friends for fun and honesty and a professional network for opportunities and perspective, and you might have a mentor or two in your life for guidance, and then you've got family relationships for roots and support. So every one of them plays a different role, and that way, no single relationship has to carry everything and what this protects you from is having just one friendship. You don't want that, otherwise, your whole social life can collapse. It protects you from a career setback, because you'll still have emotional support. Having diverse relationships prevents you from falling into echo chambers. Instead, you're going to get better, broader thinking. So having diversification in relationships that is basically risk management for your life and in this life, facet smart diversification makes you resilient. It makes you grounded. It makes you harder to knock off course. So let's review here in relationships, diversify to build wealth, concentrate and to make a good living, concentrate. And with that said, you know, if you want to get mega, mega wealthy, like stupid rich, let's just call that a billionaire with the letter B, if you want to reach that level, then I don't think that investing in rental property is the fastest or the best way to get there, although it can give you a good start. And then what's the point of this show? The point is that real estate investing is the most proven way to build wealth when you concentrate on it. If you want enough net worth and income so that you never have to work again all while you're still young enough to enjoy it, direct investment in real estate. Hey, that's great. If you want to get up to the $10 million net worth level, or even to say, $50 million that is totally doable. And the good news is that it's almost inevitable if you apply yourself and yes, concentrate, because that's all most people want, options and freedom. Those words are often a proxy for wealth. But if you're trying to get on the Forbes list of the world's wealthiest 100 people or whatever, which is where you need to concentrate on a novel business idea. All right, you can go for that, and then your risk of failure goes up substantially. You might even reach the billionaire level. As a real estate investor, more likely the DECA or the Centa millionaire level. But there are other ways of doing that outside of real estate. Real estate investing is great if you want to get sort of regular wealthy. Maybe even say that can be as little as 15 million or 25 million plus when you're young enough to enjoy it. And you know even half or 1/3 of those levels are enough as a freedom number for most people. With all that said, when you concentrate to build wealth, you do have to pick a proven vehicle. You can't say you're going to concentrate on sports gambling or prediction markets like call sheep or polymarket. They are not proven wealth building vehicles. Most people lose money on Poly market if you've wagered your mortgage that Mr. Beast is going to be the next President of the United States, perhaps reconsider that approach. In fact, according to an analysis that Bloomberg just performed, nearly every poly market trader either loses money or they make little or no profit. More than 100,000 accounts lost $1,000 since the start of last year, and that is twice the number of accounts that made at least $1,000 in aggregate, traders lost $131 million on this prediction market over that time, the tiny number of accounts that make lots of money appear to be mostly bots. That's what Bloomberg found. And there was a separate study that found that since 2022 69% of traders lost money, while three quarters of total profits were won only by the top 1% of users. So gambling, wagering, this speculation, it is not a proven vehicle, and it's not the same as investing. The cleanest way to think about the difference is that investing means putting money into something that produces value over time. Instead, gambling means putting money at risk on an outcome that you cannot influence, usually with a negative edge. And gosh, one reason that this is on my mind is, you know how I recently shared with you that I stayed at the Bellagio in Vegas. I didn't gamble at all. And in fact, I don't even know if I'm going to stay there again. That's just not congruent with who I am. But I marveled with my mouth agape when I watched a few games at the roulette wheel. Yeah, you're allowed to watch if you're not gambling. A typical scene is that perhaps five players were wagering their chips at the roulette wheel. Now the way it works is that the casino, they often have two and sometimes three of their own staff, like uniformed employees, that are there facilitating and monitoring the roulette wheel. I mean, look right there, if the casino is paying two or three staff members to facilitate the roulette wheel, well, the player should know that the odds are tilted against them. I mean, those casino dealers make, you know, they usually just make 50 to 70k a year with tips, all right, well, so the house needs to have enough of an advantage to pay their employees that are at that table and still profit. And they sure do profit. If you don't understand the game, when you play roulette, you can basically either wager that the ball is going to land on either red or black, but two of the 38 spaces on the wheel are green. They benefit the house directly. So with every bet that a player makes, they've got 18 winning spots and 20 losing spots. This is why roulette, like most gambling schemes, is for losers. And this roulette metaphor, I mean, this is a easily intuitive example for How the house has the advantage, whether it's the DraftKings app on your phone or it's a physical in person Casino. And look, I had another Uber driver recently. Yeah, lots of Uber drivers in my life lately, as I've been traveling in Pennsylvania, New York, California and Nevada, all right, interestingly, this uber driver is a dealer at the Horseshoe Casino, which is near the center of the Las Vegas Strip. While he drove me around, he opened up and told me that he doesn't understand why anyone is a serious gambler in his life history, he divulged to me that he has never known one long term winner. That's a gambler. It's amazing that he would admit that himself as an employee there. So suffice to say, wealth is built through concentration, not diversification, and certainly not through gambling.    Keith Weinhold  20:56   How should you think of building wealth for yourself at different age profiles, 20,25,30,35, and so on. I'll discuss each age profile that's next. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  21:13   What if you got your mortgage loans the same place I get mine. You sure can at Ridge lending group NMLS, 42056,they provided GRE listeners with more loans than anyone. Because Ridge specializes in investment property, they'll help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat directly with President chailey Ridge while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com   Keith Weinhold  21:44   Let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom family investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals, every investment carries risk and nothing is guaranteed, but with a track record of consistent on time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text. Family 266, 866, that's family 268,66   Ted Sutton  22:48   Hey, it's corporate, directs Ted Sutton. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  23:02   welcome back to get rich Education. I'm your host, Keith Weinhold, and you're listening to Episode 605 let's talk about some age profiles, because your life isn't random, it's staged. And if you understand the stages, I'll take it from age 20 up to age 40 or perhaps 50, because I don't have experience yet with being older than them. And then you can stop guessing and start engineering your future. Let's discuss mindset and then some tactics on how to build wealth in five year increments, largely through real estate, starting with age 20, at this stage, you're not behind you are early, though. I do know some people that have owned rental property at age 18 and 19. For the most part, your job isn't to invest yet. Your job is to build awareness and identity. Listen to shows like this one that you're listening to right now, even though you might be in college or trade school or have some employment, yes, as an employee, start thinking like an owner at this time you're installing your financial Operating System. Most people are 20 are consuming entertainment. You you're consuming direction. You're thinking, how can I set up a life where I'm not living below my means, which will always limit you? You're thinking, how can I grow my means at age 25 let's say you're out of school, you have a job and you're only making 65k per year if you're living with your parents, that means you can accumulate more liquidity. I don't like to say that you're becoming a saver, because that does not wire your mind for wealth, but that's effectively what you're doing. You're trying to amass some Liquidity, some capital formation is taking place. If you only have, say, $30,000 of cash amassed, well, then you're not ready for real estate, unless perhaps you're doing an owner occupied FHA loan in a duplex or a fourplex with a three and a half percent down payment. If you've got credit card debt. That's at 21% APR. You do want to retire that first age 25 is when you're likely to have student loan debt. The average student loan debt balance at age 25 is about 35k and the interest rate is 7% as long as your income is stable. You know, I didn't focus on paying down my student loans at age 25 I mean, why would I? Why should you I invested first? Because you might feel like having student loans slows you down, and it does, but not accumulating assets is what will keep you stuck so you're 25 when do you buy your first income producing asset? Say you've just got 20 to 30k accumulated liquid. That is still a little early to buy your first rental property, because that first property that would take all of what you had accumulated, that down payment would take it all like for an out of state turnkey property, and you've always got to stay a little liquid, but sooner than later, you have got to increase your income and own some real assets. If you accumulate instead 60k cash and the cheapest decent investment property would probably take something like a 30k down payment in closing costs right now, all right. Well, that tilts toward pulling the trigger and doing it because you've got some buffer. Now, you're still learning along the way, but you're learning really begins when you own your first property. Now, if you happen to live in an investor advantage place, oftentimes in the Midwest or south, perhaps the inland northeast, well then maybe you buy locally. But if you live in a pricey Metro at age 25 then you are probably rent vesting instead. What rent vesting means is that you're paying rent in, say, New York City, and you own property that you rent to others in, say, Chattanooga, Tennessee, that's called rent vesting. And you might pick up more than one property in your late 20s by age 30. Okay, look, this is when your cumulative better decision making really starts to show your trajectory has diverged from the herd, and it's really becoming noticeable to your peers, because your past decisions start compounding here by age 30. This is where you can benefit from modeling if you see someone like you that's doing what you want to do now, you can see yourself doing it. That's called modeling, and this is where your confidence grows. We'll say that now you're married at age 30, and you have a young child. You and your spouse make 175k together. You still have student loans, but you definitely own some real estate by now, we'll even say that you own your own home, your primary residence. By 30 you have a pretty good understanding of financing, property management and markets. By age 35 now you're investing in multiple real estate markets, and this is fueled because you've now done cash out refinances of your earlier properties into some more properties, and that means that you don't even have to use all of your own money in order to buy other properties and make down payments on them. So by age 35 your mindset has shifted from how do I buy a property over to how do I build a machine that buys properties, and this is where scale happens for you, you want to be sure to stay in your lane of competence and avoid chasing shiny objects again. Concentration over diversification by 35 it's become so apparent that you're glad that you did what you did. Other people are still doing things like working a lot of overtime and missing dinners. Maybe you do a little of that, but you don't have to do that. You're happy that you were strategic and you took the actions necessary so that your life doesn't feel like spinning on a hamster wheel like it does for everybody else, and it might still feel that way for you, too, but you are able to see a way out of that. And some people retire with real estate investing by age 35 but in this case, let's just say that you're not. Most aren't, but by now, you are getting so far ahead Of your old peers that you are definitely saying something to yourself, like, wow, indeed, capital compounds and labor doesn't this is the time in your life for this type of epiphany. Let's see where you are by age 40, and by the way, let's acknowledge that the average age of the first time homebuyer is now fully 40 in America. But by listening to this show and following the path that we help you with and engaging with our coaching and reading our newsletter, you are well ahead of this now I have a traditional financial advisor friend who says that he recently shared with me that he thinks a couple is in good shape if they have a net worth of $2 million by age 40. I don't know about that, though, if it's $2 million and a soldier in a 401 K that's locked away and it's not producing any income, that's a poor trajectory for the 40 year old couple. Sheesh, it's still a minimum of 20 more years from there until you can access 401K money, penalty, free. And, yes, there are some workarounds, but that's generally the picture. Well, instead, if you're a 40 year old couple with $2 million dollars in real assets. Oh, now you're in a substantially better position than if it were in some illiquid, conventional retirement plan. If it's in real assets. Oh, now you've got all these options. It could be producing income. You've got tax advantages that are greater than a 401, K, you might be able to access some of the equity, tax free, with a refi and plus say that your $2 million in equity is leveraging $5 million in real assets. Well, then, with 5% appreciation that alone is growing your net worth by $250,000 every single year, in addition to everything else that it's doing for you, yeah, talk about diverging from the herd. $2 million of equity in real assets crushes. Having that amount in a 401 K for you as part of a 40 year old couple, by age 45 you could very well be job optional. You could have teenage kids now, so you've got some expenses, you've been cash out, refinancing in a refi for life plan. Now your properties regularly are able to buy more properties for you, so that you aren't spending your own money on them. Instead, you're spending your own money on travel and living a better life than those others that are soullessly grinding at age 45 and yes, by the way, let's acknowledge that there would be ways for you to borrow out of a 401, k as well, but they're less forgiving than borrowing against your real assets after this period of time for you, you're getting into your late 40s, it is less about accumulation and it's more about optimization and freedom. I mean, you're soon asking, What do I want my life to look like? And you're not asking, How do I make more money? And at age 50 plus, since I really don't have much life experience here, you've probably done a number of 1031, exchanges, or you're even doing 721, exchanges, if you're substantially older than this saying that you want to retire from landlording. Now, one big lesson learned here is that early on, that focus, that concentration, is what allowed you to diverge from the herd that played small with diversification. One thing to be aware of when you're asking yourself that question, how much is enough? You're asking, how much is enough? Well, today, a five to $6 million dollar net worth that can usually generate enough income so that you don't have to work anymore. But people have a propensity to move the goalposts. It's most natural to think that you need to have twice as much as what you have now. Almost everybody inevitably thinks his way. If you've got 100k to your name, you think you've got it made. If you have 200k and if you've got 5 billion, you think you will need 10 billion. Be aware of that propensity to move the goalpost the amount that you think you need is almost always double what you have right now. And of course, in the words of the late George Foreman, the question isn't at what age I want to retire, it's at what income. Even conventional retirement planners will tell you that they just need to know two things in order. A plan for you, how much monthly income are you going to need, and how long you're going to live. And I think they've got that part right now. As you listen to those age profiles, you might have felt yourself ahead of that pace, on that pace, or behind that pace. There's a good chance that you were behind that pace, because by age 20, most people just don't adopt the abundance mentality that early. Most people drift through these decades, but if you understand the sequence, it's really this, learn, then earn, then buy, then scale and then optimize and be sure that you're living the entire time. The really good news for you is that you don't need luck. You need alignment with the stage that you're in. And if you get that right, you don't just build wealth, you build a life where money works harder than you do. Most people that try to do that get their money to work harder for them, well, that approach does not work until it's too late, but it works out for us because we ethically crowdsource other people's money to work harder than we do. To review what you've learned today. Wealth is built through concentration, not diversification. And from a young age, set up your life not to live below your means, but to grow your means. I'll talk to you again next week. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  36:42   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively,   Keith Weinhold  37:10   The preceding program was brought to you by your home for wealth building, get rich education.com  

In this episode, Michael dives into a thought-provoking discussion about wealth, work, and the American economy. He tackles AOC's statement that you can't earn a billion dollars, arguing that it's based on economic errors and a zero-sum fallacy. Michael also addresses the idea that work is not the enemy of human dignity, but rather a fundamental aspect of it. He shares personal anecdotes and historical examples, including the stories of Henry Ford and Andrew Carnegie, to illustrate the importance of hard work and innovation in building wealth. This conversation is a must-listen for anyone interested in economics, politics, and the human condition.See omnystudio.com/listener for privacy information.

Pastorin Margrit Wegner erinnert an Andrew Carnegie, ein US Milliadär, der sein Vermögen in Kultur, Friedensarbeit und Bücher investierte.

"...Books which it would have been impossible for me to obtain elsewhere were, by his wise generosity, placed within my reach; and to him I owe a taste for literature which I would not exchange for all the millions that were ever amassed by man. This is but a slight tribute and gives only a faint idea of the depth of gratitude which I feel for what he did for me and my companions..."This week, I'm quoting a story from the Autobiography of Andrew Carnegie. Published in 1920.Reflection questions:If you are in the strategic and facility planning phase, ask — whose future are we designing this building or renovation for?Like Andrew Carnegie, are you sharing personal stories of your constituents to show the vision for the future?Reflection on quote:The strategic planning phase of the capital campaign is in my opinion often one of neglected phases.  I've observed two opposite approaches to strategic planning prior to the capital campaign.  Either, it is focused on the new facility details for projected growth without articulating the impact to clients as a part of the vision.  Or, the strategic planning happens after the capital campaign is completed. This week, we are starting a series on being patient in the planning phase in order to have a more effective capital campaign.As Andrew Carnegie shared his vision to fund the building of libraries around the United States and the world, he began with his own story to show the impact his libraries would have on future generations on children like himself. When we are in the strategic and facility planning phrase, we are not designing buildings because we have to move locations or we have ran out of room for our administrative and program spaces or we have a waiting list.  Instead, we are designing buildings to meet our mission for specific constituents.  Each constituent with a specific story for their future.  So, therefore, it is important to envision what the future will be for your constituents in that new building and renovations.  And, luckily, on our small towns, we can often ask our constituents to be a part of the strategic planning process to directly from them. The takeaway for your capital campaign in being patient in planning: donors don't give to buildings, they give to futures.    What do you think? Send me a text. To explore small town capital campaign coaching deeper and to schedule an free explore coaching call, visit ServingNonprofits.com.Music credit: Woeisuhmebop

What happens when philanthropy becomes more about control than community? Can generosity still be called generosity when tax benefits and personal recognition take center stage?   Join us for today's episode to question the hidden dynamics behind modern fundraising and explore what true public stewardship really looks like! This conversation features Glen Galaich, a respected philanthropy leader with more than 25 years of experience in donor education and fundraising. As the founder of the Stupski Foundation, which works across San Francisco, Oakland, and Hawaii, Glen has spent years examining how wealth shapes giving. He is also the author of the book Control: Why Big Giving Falls Short, in which he challenges traditional philanthropic systems and calls for greater accountability, trust, and honesty in the sector. Throughout the conversation, Glen unpacks the idea of donor-centric fundraising and its historical roots, tracing it back to Andrew Carnegie's "Gospel of Wealth." He discusses how philanthropy often becomes tied to power, ego, and tax advantages rather than genuine generosity. Glen explains the psychological shifts that can happen when people gain significant wealth, often leading to insecurity and a stronger desire for control. He also explores trust-based philanthropy, participatory grantmaking, and the importance of unrestricted funding.  Furthermore, Glen emphasizes that donors should act as public stewards, staying accountable to the communities they aim to serve, while fundraisers must create honest conversations and challenge unhealthy power dynamics within philanthropy. In this episode, you will be able to:  - Recognize the difference between generosity and philanthropy. - Learn how donor control can affect community impact. - Understand the importance of trust-based philanthropy. - Identify why unrestricted funding supports stronger outcomes. - Learn how tax benefits influence philanthropic decisions. - Recognize the role of fundraisers in guiding donor accountability. - Understand how wealth can shape donor behavior and mindset. - Learn why public stewardship should guide charitable giving. Get all the resources from today's episode here.  Support for this show is brought to you by Donor Perfect. Our friends at Donor Perfect really understand fundraising on so many levels. Stay aligned while working online with a seamless and secure payments experience for your donors and your team. Empower donors to give where they are, whenever they like, automate data entry, and process online, monthly, and mobile payments, and accept payments over the phone. Connect with me:  Instagram: https://www.instagram.com/_malloryerickson/ Facebook: https://www.facebook.com/whatthefundraising YouTube: https://www.youtube.com/@malloryerickson7946 LinkedIn: https://www.linkedin.com/mallory-erickson-bressler/ Website: malloryerickson.com/podcast Loved this episode? Leave us a review and rating here: https://podcasts.apple.com/us/podcast/what-the-fundraising/id1575421652 If you haven't already, please visit our new What the Fundraising community forum. Check it out and join the conversation at this link. If you're looking to raise more from the right funders, then you'll want to check out my Power Partners Formula, a step-by-step approach to identifying the optimal partners for your organization. This free masterclass offers a great starting point.

“The truth is paywalled, and the lies are free.” — Current Affairs editor, quoted by Brewster Kahle The internet, we were promised, would remember everything. Rather than memory, however, it is now most distinguished by its digital forgetfulness. That's the warning in Vanishing Culture, a new series of essays published by the San Francisco-based Internet Archive. In its concluding essay by Brewster Kahle — founder of the Internet Archive, member of the Internet Hall of Fame, and the closest thing the web has to an official librarian — he makes the case for preserving the online library system. “Our evolving digital age can be our next Carnegie moment or it can be a Library of Alexandria moment. It is up to us.” Today's internet library system, Kahle argues, is worse than the analogue one he grew up with. It's faster, he acknowledges, but shallower. The 1976 Copyright Act means that rather than buying digital books, libraries can only rent access in surveillance environments controlled by a handful of corporations. Sixty percent of news organisations now have paywalls. Academic publishing is controlled by three conglomerates. So an entire generation is growing up without access to the published works of the twentieth century. “The truth is paywalled, and the lies are free,” as the editor of Current Affairs put it. That is today's internet. No laughter. Only forgetting.Five Takeaways •       Carnegie Moment or Alexandria Moment: The Internet Archive's pamphlet Vanishing Culture opens with a choice. Andrew Carnegie invested in public libraries during the early twentieth century: every town in America got one, and by the time the US was thrust onto the world stage after World War II, an educated public was ready. The Library of Alexandria burned. Kahle's argument: we are at the same fork in the road. The digital transition can be a Carnegie moment — everyone with access to all human knowledge — or it can be an Alexandria moment. Sixty percent of news organisations now have paywalls. Academic publishing is controlled by three conglomerates. The library system we have is worse, not better, than the one Kahle grew up with. •       The 1976 Copyright Act as Original Sin: Copyright used to be opt-in: you had to put a ‘c' on your work and register it. The 1976 Act made it opt-out: everything is copyrighted by default, forever, with terms that keep being extended. The consequences: Wikipedia had to be written from scratch because the encyclopedias already written couldn't be shared openly. Academic papers are walled inside publisher systems, which is why arXiv exists. Libraries can no longer buy digital books — only rent access in surveillance environments. The bargain between publishers, libraries, authors, and the public that functioned for centuries has been dissolved by lobbyists writing copyright law. •       The Truth Is Paywalled and the Lies Are Free: Kahle's most quotable line belongs to someone else — the editor of Current Affairs. But Kahle endorses it fully. An entire generation is now growing up without access to the published works of the twentieth century. People are genuinely confused about whether the Holocaust happened — not because the information doesn't exist, but because it's behind a paywall. What is free on the internet is what serves the interests of the platforms: viral, emotional, algorithmically optimised, frequently false. The deep, sourced, accurate record costs money to access. That inversion is not an accident. It is the business model. •       Turnkey Tyranny: Kahle quotes Edward Snowden's phrase for what surveillance capitalism has built: turnkey tyranny. All it needs is someone motivated to think tyrannically, and all the laws, policies, and technologies are already in place. The internet was built on a protocol: play by the rules and you're in. That openness is gone. What replaced it is a small number of platforms with enormous centralised control of distribution, purchasing the upstream sources — Comcast buying movie studios, Amazon buying MGM. Whoever controls distribution, Lawrence Lessig's maxim holds, will eventually control everything upstream from it. •       AI Mass Larceny? The Real Loser Is People: Asked the binary question — is AI mass larceny, yes or no? — Kahle refuses it. His answer: the fight between publishers and AI companies is Coke versus Pepsi. The real dynamic is large corporations — whether you call them AI companies or publishing conglomerates — taking from people's goodwill, their creative output, their authorship, and landing the value in very few hands. What Kahle wants is public AI: ClimateGPT, reading the Sri Lankan 1953 fish reports and seeing the patterns in them. AI that serves the public good, not the shareholders of one, two, or three gigantic players. The answer isn't either Coke or Pepsi. It's water. About the Guest Brewster Kahle is the founder and Digital Librarian of the Internet Archive, a member of the Internet Hall of Fame, and the author or editor of Vanishing Culture (Internet Archive, 2024). He was previously the founder of WAIS and Alexa Internet. He lives in San Francisco. References: •       Internet Archive — archive.org. •       Vanishing Culture: A Report on Our Disappearing Digital Heritage, ed. Brewster Kahle et al. (Internet Archive, 2024). Available free at archive.org. •       arXiv (arxiv.org) — the open-access preprint server that routes around academic publishing. •       Episode 2877: Keith Teare — Let's Just Say It Out Loud: AI Is Not Dangerous. The counterpoint to Kahle's wariness about AI centralisation. About Keen On America Nobody asks more awkward questions than the Anglo-American writer and filmmaker Andrew Keen. In Keen On America, Andrew brings his pointed Transatlantic wit to making sense of the United States — hosting daily interviews about the history and future of this now venerable Republic. With nearly 2,900 episodes since the show launched on TechCrunch in 2010, Keen On America is the most prolific intellectual interview show in the history of podcasting. WebsiteSubstackYouTubeApple PodcastsSpotify Chapters: (00:30) - The internet's librarian: forgetting vs. surveillance (01:55) - Carnegie moment or Alexandria moment? (03:20) - Andrew Carnegi...

Born Elizabeth Bigley in a Ontario railway camp, she died Cassie Chadwick in an Ohio prison cell — and in between, she convinced the banks of northern Ohio that Andrew Carnegie was her shamefaced father and they were sitting on a gold mine. They were sitting on forged paper. The Queen of Ohio. Circa 1897–1904.Jump to the AD-FREE Safe House EditionBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-crime-historian--2909311/support.You can pay more if you want to, but rent at the Safe House is still just a buck a week, and you can get access to over 400 ad-free episodes from the dusty vault, Safe House Exclusives, direct access to the Boss, and whatever personal services you require.We invite you to our other PULPULAR MEDIA podcasts:If disaster is more your jam, check out CATASTROPHIC CALAMITIES, telling the stories of famous and forgotten tragedies of the 19th and 20th centuries. What could go wrong? Everything!For brand-new tales in the old clothes from the golden era of popular literature, give your ears a treat with PULP MAGAZINES with two new stories every week.

Newt talks with New York Times bestselling author and Pulitzer Prize Finalist, Dr. Arthur Herman, about his new book, “Founders Fire: From 1776 to the Age of Trump,” and the enduring founder mindset in American history, business, and culture. Herman defines a new generation of founders as Americans who embody a core national trait: the belief that individuals can build new enterprises, institutions, and futures through risk-taking, creativity, and self-reliance. He traces this founder spirit through business titans such as John D. Rockefeller, Andrew Carnegie, Henry Ford, Steve Jobs, and Elon Musk, arguing that their innovations transformed society and exemplify American exceptionalism in entrepreneurship and innovation. They discuss President Lincoln’s deep engagement with technology and commerce, his advocacy for railroads, his work as a railroad lawyer, his unique status as the only U.S. president with a patent, and his vision for a transcontinental railroad, as evidence of a founder’s technological and economic mindset. Herman identifies the core traits of founders and encourages listeners to see the fire of genius within themselves and to consider whether they might be founders shaping the nation’s next chapter as it marks its 250th anniversary.See omnystudio.com/listener for privacy information.

Keith explains how to increase real estate cash flow by appealing and reducing property taxes.  Then welcomes high‑energy real estate investor and educator Thach Nguyen.  Thach shares his refugee‑to‑multimillionaire story, breaks down his roadmap to retiring with rentals, and explains how ADUs (Accessory Dwelling Units) are transforming both investor returns and affordable housing—especially in Seattle. Resources: Follow @ThachNguyen on Instagram and all major social platforms. Episode Page: GetRichEducation.com/602 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, talking about how to increase your cash flow by obtaining a successful appeal and reduction in your property taxes. Then real estate personality Thatch Nguyen and I discuss mindset and some creative real estate techniques today on get rich education,   Keith Weinhold  0:23   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 prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  0:57   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  1:13   Welcome to GRE from Mount Holly New Jersey to Hollywood, California and across 188 nations worldwide. I'm Keith Weinhold. This is get rich education, and I'm still not wearing Dockers, and I am in Hollywood, California today. More on that later. Among all the major investment classes when it's bought right real estate is the second safest investment class to bonds. Bonds are the safest among them all. Real estate has the highest returns, so it's the second safest and has the highest returns. And that's why it's our focus on this show. But if you want to be in real estate for two years or less, well, then it's likely best to invest elsewhere, at least with long term rentals, because you need time to defray your transaction cost. And for real estate pays five ways to start compounding. Coming up shortly, it's pretty popular real estate personality Thatch Nguyen. He will be here, and I did not know Thatch until recently, when we were introduced by our mutual friend Scott Saunders. And Scott, who I had on the show here a few years ago, is one of the nicest guys you'll ever meet in real estate. Well, besides those high return, low risk real estate attributes. Of course, when you own property directly, you also get a big measure of control if you want it. Now, control comes really with that option A lot of times to get involved and make your real estate investing less passive, just an option, because successful real estate can be as simple as buy and hold, but today we're discussing strategies. If you want to get a little hands on, if you so choose, you can attempt a successful appeal of the amount of property tax that you're paying. And of course, every dollar that you lower your property tax is $1 where you increase your income. And this feels like a germane conversation, since tax day in the USA was just last week. Ah, yes, property tax, hmm, it's like a version of the government charges you rent on your own property in perpetuity. That's what it is. And before I get into how to potentially get your property tax lowered, property taxes are under pressure. Some states are still making their serious push to completely eliminate the property tax, namely in Florida, Texas and Indiana. Those are three of the front running states, probably the big three. And I won't get into all of that again, because I devoted an episode segment to that topic a few months back. Others are considering elimination too, Georgia, North Dakota, Pennsylvania, Ohio, Oklahoma, South Dakota, but it's just more talk than anything in those six states. Now, if a state undertook property tax abolition, it would probably only apply to owner occupied property, homeowners or voters, and those property values would soar. But these new comparables, what they could do, in turn, is lift the value of your out of state rental property as well, because you could always sell your investment property to an owner occupant. But in my opinion, no state is going to eliminate the property tax. I mean, sheesh, it's kind of like trying to eliminate gravity. It's just too hard to replace the revenue from elsewhere. Schools, police and fire and infrastructure heavily rely on property tax, so instead, what's realistic is a tax cap, a ceiling on the amount of property tax that you pay, and with an income producing property of course, your tenant essentially pays the property tax for you now, even before buying a property or for one that you already own, the most accurate way you can check the tax amount for your exact address is on the county assessor's website.    Keith Weinhold  5:38   The next best places are listing websites like Zillow and Redfin. This is all public information. The way to find a county assessor's website for your property is with a simple four word search. What you should google is the county name, and then the words assessor property search, those are the only four words that you need. And then what if you discover that you're paying more than you are for nearby, similar properties? Oh, well, there we go. That's a sign that you're over paying. You can usually file an appeal form at the same website. And before we talk about how to do it, realize that only about 5% of property owners ever file an appeal, and in a bit, I'll tell you what your percent chance for success is at lowering your property tax, your chances of it being lowered. So if you believe that you have a case for lower property taxes, first, it helps to know what you're arguing. And this is important, it's something that can trip you up. You're actually not arguing that taxes are too high. You're arguing my property is overvalued compared to the market. That's it. That's your basis of contention. Yeah, if you walk in talking about things like fairness or inflation or government spending, then you've already lost the county assessor's office isn't the place for your best rant on how fiat currency is garbage or something like that. Now you might not even have to physically walk in anywhere today. Sometimes you can get your appeal rewarded informally. Other times you go before what's called a Board of Equalization in most places and in person, hearings have become less common. Video calls have become quite a bit more common since the pandemic, but you want to review your property details with them. You want to be sure to point out if there's incorrect square footage or the wrong lot size, or missing depreciation, or condition issues or upgrades that are overstated and even small errors can swing your value by 10s of 1000s of dollars and then, and it's whether this is with rental property or with your own home build your comparables Like an investor, not a homeowner, because this is really where you win or lose. You need three to five strong comparable sales in the same neighborhood, or really close ones that sold recently, ideally within the last six months, and they should be of a similar size and age and condition. And then make adjustments. Inferior comps support a lower value. And we don't just want to cherry pick garbage comps. We want to keep it credible, and then for your best chance of getting your property tax lowered, find your angle, and really this is your leverage point. Most winning appeals hinge on one clear argument, either a condition gap, meaning that your property is worse than the comps are, or it's an argument like market timing, and this is if values have softened since the assessment date, or the income approach for rentals. Therefore it's the value based on noi, not emotion. You could take that track or other external issues like noise or location drawbacks or obsolescence, so only pick one of those four primary arguments here, condition, gap, market timing, the income approach or external issues and document everything. This is really where you separate yourself. You want to show photos and have them dated and be clear and honest. Nothing dramatic there repair estimates or contractor bids, inspection reports, rent rolls or income statements. So you're not telling a story. You're presenting evidence this way, and be sure to package it cleanly. This matters more than you think. Assessors see sloppy appeals all day. So you're going to stand out by being organized and concise, like a one to two page summary and some exhibits, and keeping it professional meaning, no emotional language, so you're making it clean and easy for them to agree with you, and this is the place to be. Calm and not combative. It isn't a debate club. It's the right form to be respectful, stick to facts, not interrupt and not get defensive, because the person across from you, they actually did not set your rate, they didn't set your tax rate, they're evaluating your evidence, and then it's helpful for you to know the likely outcome. You don't need a gigantic win, even a five to 10% reduction, that can mean 1000s saved over your life of owning the property. You want to remember that some jurisdictions are more flexible than others, and if you're denied informally, like just doing it online, then you can often escalate your property a tax appeal to a board review. And this is a long game, not every swing is going to end up in a base hit. Investors have an advantage. If you own rentals, you've really got a stronger argument, because you can use that income based verification like cap rate and noi, you can show actual rent versus market rent, and you can highlight your expenses, and assessors often default to sales comps. So this is how you can shift the frame here. The blunt truth is that when people lose appeals, it's usually because they show up unprepared, or they argue emotionally, or they just don't understand valuation. And so this is one of those rare moments where being methodical is actually better than being smart. 40 to 60% of property tax appeals succeed nationwide, and with professional level prep, you can make that 70 to 80% for a success rate, and the typical result if you win is a 10 to 15% reduction in assessed value. So that can be worth doing. And you know, just like buying your first out of state rental property seems to be the hardest. Making your first property tax appeal seems to be the hardest as well. And there you go a way to reduce your expenses and increase your cash flow. Yes, I am in LA today, West Hollywood, California. Though I do expect to produce some real estate media here. That's not the typical Hollywood type filmmaking that I'm doing, I just happen to be staying in Hollywood, although I do plan to run up to the Hollywood sign and do some fun stuff out at Venice Beach. Later next week, I will be in Las Vegas, and will probably even bring you the show from the Bellagio with a view of the Bellagio fountain. As for this week, let's meet our guest.   Keith Weinhold  12:49   This week's guest has an amazingly powerful story. Today. He's quite well known in real estate circles for his high energy in person events, but he came to the United States as a Vietnamese refugee, experienced homelessness early in life, and went on to build a real estate portfolio valued at over $100 million I'm not making light of the fact that he's homeless. Once I started talking about this, he kind of, you know, beat his chest a little bit. He's a high energy, playful guy here, but he's completed more than 1000 real estate projects and transactions through his mentorship program, he's helped 1000s of people build long term Real Estate Wealth with his platform, it's called springboard to wealth, and along the way, he's built a strong audience, with 1.4 million followers on Instagram. Hey, welcome to the show Thatch Nguyen.   Thach Nguyen  13:41   I'm honored to be here, my man, I'm honored   Keith Weinhold  13:43   to hear, Oh, it's so good to do it Thatch. And before we're done, we'll discuss some actionable tactics. But first, that is just an amazing story to have started from homelessness. I guess I'm most interested to know what you would identify as kind of that turning point from destitution to success. Talk to us about that.   Thach Nguyen  14:03   You know, coming from Vietnam, we was a refugee. We left out of the last plane. My dad was a translator for the US Army. Back in the days, military pulled out of South Vietnam during the war, they asked my dad, would you want to leave with us? And so we decided to leave. But of course, my dad, the owner, who actually spoke some bit of English. None of us didn't speak no English. We only had $100 one suitcase for eight of us, gosh, and I was five years old. But if my dad didn't leave, he would have been captured, and then he would have been killed. Because you work for the US government, because it's still, you know, is a communist country, right? And so we left, we came over here, we landed in San Diego, lived in the shelter out there, and then we moved up to Washington State, Seattle, and lived in a shelter there for a few months. And then finally, we lived in a sponsorship house, right, with a guy named Charles Zettler. I graduated from high school in. 88 I went off to fix aviation airplane my two older brother, because they in the aviation business. And then I got a job working for Alaska. But I didn't want to leave to Denver to go work out there, so I decided to stay back. And I went to work at, you know, like, odd job, like at a body shop. I was the dairy manager at a grocery store, like, called Ralph. Was called Safeway, and I was parking car in Chinatown. And I think the pivoting point was, I'm sitting there, and one of my friends says, you know, you would do very well in real estate, yeah, because you have a good energy, you have a good mouthpiece, I think you do well, see, but I didn't hear all that. I heard you get 7% commission checks. Oh, Sign me up. You know what? I think, but I didn't realize quickly, selling real estate, you don't make that kind of money unless you do a lot of volume. I got to real estate. I started doing well in real estate as a agent. But the tipping point, I think, for me, was a mentor named Saul. And Saul said to me, Keith, I know you appreciate this. He said, You can be rich selling real estate for the rest of your life. Yeah, you'll never be wealthy unless you own the real estate, right? And that was the light bulb that came off of me that I need to take the money I make from selling real estate to then Park the money in long term rental. But I didn't quit my real estate. I just bought real estate, rented it, let it ride. And I just kept selling real estate for years. And at the moment I made, the more property I bought. The moment I make, the more property I bought. And then from there, I just start to learn new construction. I start to learn fix and flip. I start to learn about the BRRRR strategy. And then today, you know, we're going to talk more about this. But today, the hot thing is adu and accessory dwelling unit, and that's what I do a lot today is a lot of new construction, a lot of ADUs.   Keith Weinhold  16:49   Oh, that's great to hear about your come up. Fetch, yeah, I find it remarkable, too, the amount of people that are in the real estate industry, and they're doing something adjacent to being an investor, which I think is the best place to be. For example, they're a property manager, or they're a mortgage loan officer or the real estate agent, but yet they don't own rental real estate, right? They're so close. How could you not be doing this?   Thach Nguyen  17:13   And I say today, because I understand this. Now, if you don't take the active income you make from whatever you do, say, as a real estate agent, then you always trading your time for money for the rest of your life, and you're always on that treadmill and that grind, but you can't get off, because the moment you get off, Keith, you got no income, and you got no passive income either. So you're stuck on this wheel like a hamster that you got to keep running until you old and die.   Keith Weinhold  17:40   Well, you know, it's unavoidable to talk about you've got the word mindset on big letters on a hooded sweatshirt that you're wearing right now, so, you know, I think you're touching on it somewhat. But yeah, talk to us more about this mindset and how to break through the barriers. Because most people's connotation with income is merely that they have got to trade their time for dollars.   Thach Nguyen  18:01   Of course, you know, mindset is 80% of the result that we want, that we get. Because someone could have a mindset to go, I'm going to be the top real estate agent, and that mindset would drive them to be the top agent for many, many year. But they always trade their time for money so they never get wealthy. I have that mindset because I was selling 100 homes a year in my early 20s. But when Saul said to me, you know one day that when you get into your 40s and your 50s, do you want to keep trading time for money, or do you want to trade your money for time? And see, that's a mindset shift. And of course, who want to be in their 50 Keith with a gun in their head, always trading time for money. And so when I heard that, it shifted the mindset to, you know what, I'm going to make money selling real estate because I need that money, then I'm going to take that money and park it into a rental. So when I get into my 40s and my 50s, I have the option to work or not work, and that was a mindset shift. So owning rental property is a mindset more than a strategy.   Keith Weinhold  19:08   I and I think a lot of us, came up with the mindset that, oh, you get wealthy by obtaining a high salary, and then no later, you learn you don't get wealthy through high salaries, especially if wealth equals freedom, you get wealthy through owning assets. So Thatch after you know your homelessness, and you're new to the United States, and you've come up like you described, and you realize that real estate is the way in doing it with a relative amount of passivity, rather than actively being in it as a realtor, you sort of get this roadmap for retiring with rental properties, even from starting at zero like you did. So tell us more about that roadmap to retire with rental properties.   Thach Nguyen  19:47   You know, when I started, I had this roadmap where you got to learn what you need to learn about real estate investing, what why do you want to own it? What's the benefit? What would it do for you? At the end of the day, and a lot of that is goals and vision and mindset. For me when I got clear Keith on the knowledge, because I start off with knowledge. And of course, I want to own real estate. But here's the thing I always want to say to people, nobody want to own real estate. Just to own real estate, right? They want to own real estate. So what it would actually do for you. And so for me, I think when I was younger, I was counting the doors, but now I got older and wiser, I count the hours I get to have back. So the mindset for me is that when I got clear what I wanted to do was I wanted, you know, the option of working at work, that I also wanted to retire my mom, my dad, right? And then I also wanted to actually help my kids learn how to do this one day, so that they have the same mindset. So those are the reason I in want to invest in real estate. Of course, have an asset, have a net worth, come along with a secondary so once I understand the knowledge of why I'm doing it, I got this clear vision. I got this horizon. Now I'm inspired to actually go out there and take action. Now the action is, what do I want to buy for me? I started with single family. I started with buying ugly houses and rehabbing and keeping it, and then worked my way into multifamily and apartment building, all doing value add today. So those are my action, right? So I'm inspired. I take the action, I make money doing what I'm doing. But then I asked myself, How many property do I need? But it's not even how many property I need. How much passive income do I need to get out of the rat race? I have the option of working at work. For me, when I was like, 21 years old, I said to myself, I have $30,000 a month in passive income, and I'm debt free. I mean, who couldn't live off 360,000 of you debt free, right? Yeah. So I had to go to go after so many doors based on what the rent is, to accumulate it and then to pay them down so I can be out of the rat race as soon as possible. And once I did that, then I started playing the game accumulation again. So today I have a whole set of properties paid off. That's why I have over 100,000 a month in passive income. But I also got a whole bunch of property paid off yet, which I don't care, because this ought to get paid up by itself anyway. But now I'm playing this game where I'm gonna accumulate more property or trade up at the same time pay down other property I want to pay off, so that when I get into my 60, my 70, a lot of it paid off, and I still got other property. I don't know. I don't mind accumulating, because I love to play the game of real estate. So this is the road map that I you know, that my mentor saw. He's a very wealthy Jewish man that taught me. And today I'm just taking that lived it my own life now I'm just sharing it back to other people   Keith Weinhold  22:42   that you said so many interesting things there. I think the most is how you talked about your metric is more outcome based. I think we all think through how many doors we have, and you know, even how much passive income that translates into, but you talked about how many hours you're able to win back way that you can quantify that.   Thach Nguyen  23:05   If I ask someone, I go, Hey, how much does it cost you to live personally every month? And most American will probably say, 10,15, 20,000, Max. And I said to them, what have you had that much in passive income? How would you feel? And 99.9% of it were like, my god, that will be amazing. But the problem we all go to the seminar, we see people on stage. They got 100 doors, 200 door. They got 1000 doors. And nobody needs that much to get out of the rat race, right? So I say the most American is, look how much it costs you to live. Look at the lifestyle you live. You have that in passive income, and if you choose to keep working in active income, it's just a cherry on top of the cake.   Keith Weinhold  23:47   Yeah, there are so many ways to do it. We talk here about being financially free rather than debt free, and sort of letting leverage and inflation in tenants work to our benefit. But you've got this separate way of doing it. You're listening to get rich education. We're talking with real estate, personality, Thatch Nguyen, more when we come back, including some actionable tactics. I'm your host. Keith Weinhold,    Keith Weinhold  24:09   let me throw out a simple idea, sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns, it's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day. Housing, senior communities, essential properties, things tied to living and not trends. Their freedom notes offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy so you can ask questions and determine. Alignment before moving forward, while past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call@freedomfamilyinvestments.com or text family to 66 866, text the word family to 66 866.    Keith Weinhold  25:31   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721 the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre,   Caeli Ridge  26:09   this is Ridge lending group's president, Shaylee ridge. Listen to get rich education with Keith Weinhold, and remember, don't quit your Daydream. You Keith, welcome   Keith Weinhold  26:27   back to get rich Education. I'm your host, Keith Weinhold we're talking with Thatch win real estate personality, and you know Thatch, on the way up, you've really employed a lot of methods. You're knowledgeable about House hacking and burrs and small multifamily in ADUs. ADUs is something that we haven't talked about here very much. And for those that don't know what that is, we're talking about an accessory dwelling unit, right? Typically, a secondary housing unit on the same lot as a primary residence. You can sort of think of it like a backyard cottage in a lot of cases. So tell us Thatch, what got you into ADUs,   Thach Nguyen  27:03   well, Seattle, about five years ago, was one of the first city and state to adapt this Adu, because the biggest problem we have across America is affordable housing, yeah, and a shortage of housing, let alone a shortage of affordable housing. So Seattle came up with, Hey, we will let you. Got built an accessory dwelling unit in the backyard, maximum 800 square feet, but you have to live in the front house to build the back house. Okay? People got excited. They built it so they can rent it in the back. They live in the front house. But then that didn't really solve as much affordable housing for you to buy. It helped with rental. And then about a year, you and a half later, they came over stage shoe to go, you know what? We're gonna allow up to 1000 square feet of adu. But you don't have to live in the front to build the back. Now, people got excited. Investors go, Oh my God, let me go buy a property. Let me go build something. Rent both of these out, right? And then if they want, they could sell the whole entire piece, you know, with somebody, and that was great, but it still wasn't enough. And then about a year you'd have, later, they came up with stage three. They go, You know what? We want to help create more housing for you to buy. So now what we're going to deal with, we're going to actually give people separate APN tax number for the house in the front and the adu in the back, so you can sell off any one of the and by doing that, they value the house as a single family, and they value the back as a single family, so they can comp it like a house, not as a duplex. And that blew the lid off. I mean, in Seattle, that was a game changer. I mean, like builders started coming in, they're buying property. They they building and they selling these. They're making a killer on it. And then show you how much crazy it is. Okay in Seattle, if you buy the house in the front, you gotta get the land the back freak, because it came with the house. We could build 1000 square foot all in it cost us about $400,000 but with a separate parcel number, they comp it as a regular house. So regular houses right about 1000 square feet, they sell for about $700,000 so you build for four is worth seven, and you can actually design it in four months. Get permit, because they have a special line for adu. And then you can build this. You can actually have it all done in one year. So you instantly create massive equity in one deal. But here's a beautiful part of it. In Seattle's expensive city, it's hard to get the 1% rule. You know the 1% rule with, you know 1% of what you pay for a property, a $200,000 house, you get $2,000 for rent with Seattle, a $700,000 house, you get 4000 but the Adu, it only cost us 400,000 but it's worth 700 but my mortgage is based on 400,000 I can write it for four grand, and I meet the 1% rule Now   Keith Weinhold  29:52   a way to recent rent to value ratio, right?   Thach Nguyen  29:56   So now Adu, they are all. All across America, because two years ago, all the city planners and all the people for other state they came to Seattle for a private, hush, hush meeting to ask Seattle How you guys doing this, and so they can go and copy. So in the last two year, Adu has spread across America like wildfire.   Keith Weinhold  30:19   This is great. Tell us more. And of course, it's going to depend on a lot of factors, but tell us more about that cash on cash return that you're getting after stabilization with an adu.   Thach Nguyen  30:29   Yeah, it's beautiful. So when you have a property that's worth 700 and it only costs you 400 it has so much equity, the bank will finance 100% of the construction cost, so you don't have to come up with no money. Great. So then if you finance 100% which is 400 right, 400,000 the mortgage only three grand, and you ran for four in Seattle with making positive cash flow with zero down payment. So that's infinite return on your money.    Keith Weinhold  30:56   Yes, that's a really beautiful thing to get the infinite return when you don't have any equity left in That's right?   Thach Nguyen  31:03   And the thing is, people can do that across America now, but most city right now on stage two, they don't have the APN. But right now, a lot of city right now are on the verge of going from two to three. Right now, I've been going out there buying home that you could actually Burr, make the house in the front. Work make a cash flow. Have the backyard sitting there, and then you can build it anytime. You can build it now, just for the cash flow. Or you can build it when you get the separate APN. So you can get two separate parso You can sell one, keep one. But bottom line is, if I was anybody out there, I'll be buying property. Now, make it work like you would already be buying, but just make sure you get a backyard so you have access to the back.   Keith Weinhold  31:46   Okay? So in some situations, using the burr strategy on the primary residence with an adu, burrs, buy, renovate, rent, refinance and repeat, beautiful.   Thach Nguyen  31:55   That's what I call the atomic bomb, the burr. Add the adu to the back. Boom. But I'm gonna give your audience something that they can even look forward to. Seattle in November of 2025 this went into stage four. Now in stage four, single family in the front, if the lot's big enough, you can put instead of one, you can put 234, or five property in the back, if the lot's big enough.   Keith Weinhold  32:23   Yeah, this is great. I mean, it solves the problem of affordable housing, and it increases the density in a lot of these metro areas. Yes, right, Thatch, it sounds like Seattle's having a good deal of success with the ADUs. How is that when you extrapolate it out nationally, and are there regulatory bottlenecks out there.   Thach Nguyen  32:40   The only bottleneck right now is most people right now are in state two, where they can't separate it. So if they buy a burr, they can add the house in the back. They just have to be able to comp it where there's a house and another house in the back. So what they do is they look at two different type of comp. They look at, what does it duplex sell for in the area? They could use that as a comp. Or if this is a 2000 square foot home, and you got another 800 square foot, what's a 2800 square foot home is going for? Because they can be added this to the main house, so they can create the ARV. Does that make sense? Yeah. And the only challenge, challenging is that a city that's new, they have to use comp like duplexes and square foot. It to come up with the ARV.   Keith Weinhold  33:23   That's really good. Okay, so Seattle's had these four phases of ADUs, if you will. And then what's next for ADUs?   Thach Nguyen  33:30   I think what's gonna happen after phase four is that all these single family one day will all go to multifamily. It's already in multifamily. You got a single family in the front. You can build three in a back. They're all three single family. But technically it's multi unit, right? It's called multi unit, but it's still on single family zoning, because, you know, the bulk of the real estate where I still have land, or the residential, because most commercial, you and I know, they built out on all the land on the lot, so the biggest portion left is the single family. So this is why I've been doing the adu. And I think in the future, Phase Five could be those single family that whole area might get up zoned to multifamily, more density.   Keith Weinhold  34:11   Yeah, upzoning, that term for allowing more dense housing term really originated because you're building up vertically, although that doesn't have to be the case every time. And yes, I mean, this is really a great way to solve the affordable housing crunch in the United States. I've seen other cities where single family zoning only was allowed now allows for duplexes. That's a common way to upzone as well and fetch you really often talk about creating affordable housing, like we're discussing here, while you're building wealth. Can you speak to us more about that? You kind of get a give back that way?   Thach Nguyen  34:46   Yeah. This is a mindset thing. There's a mindset that says, right? And some people believe it. Some people don't. I love what Zig Ziglar said, Right? Zig. Zig says, If you help enough people get what they want, you eventually get what you want. Yeah. And so. If you go out, then you make enough difference to the world. Take a look at Bill Gates. One day, he probably saying, You know what, I'm going to figure out how to make a computer to actually help your life better, faster, more efficient. And his goal was to do it worldwide. So he solved that problem, and in return, he has massive financial freedom. So for me, real estate isn't just real estate. Real estate what it would do for me as an outcome, real estate also give me an emotional contribution, which is, if I make a difference out there, creating more housing right, to make it more affordable, to make it most of people gonna buy it. What does it do? For me? It will actually fulfill the hierarchy of life, which is contribution. Because once you have money, the only thing that fulfill human being beyond money is life fulfillment.   Keith Weinhold  35:48   That's right. I mean, hey, it's a little brash, but in the business world, really no one cares about you until they know how much you can help them.   Thach Nguyen  35:56   You got it, brother, you got it right. That's why do you think so many wealthy people do thing in nonprofit world, because at some point it was all about them at the beginning. Now it's about basically giving back. So imagine, on your way going to success, you do both, you make a difference and you benefit also. And it's a more fulfilling journey than a journey just push, push, push and grinding and not taking care of you in the process.   Keith Weinhold  36:23   Well, if that's your events, they give you this mentorship platform. And I think you've actually pointed to how mentorship accelerates your own real estate success, even though you're trying to help others first.    Thach Nguyen  36:34   Yeah, you know for me, I always knew that the more you learn, the more you earn. And so what? 1995 I met my first mentor, Saul and then I met my other mentor, Mike ferry. And if I'm there, I met Wayne Dyer, who became one of my great mentor, Tony Robbins, Deepak, Chopra, Abraham Hicks, I mean, all these great people, right, that I got exposed to. And today I still have multiple different mentor from fitness mentor, spiritual mentor, business mentor, you know, financial mentor, and they I have regular meeting with these folks, because I want to constantly, always feel I'm growing mentally, emotionally and financially, physically, and I know that the more I learn, the more I can actually make a difference to other people coming behind me   Keith Weinhold  37:21    even Michael Jordan had his own team of coaches. Yeah, you see, that's why, that's how we all get better with that, you've really helped so many people with your mentorship, your contribution to the industry. Let our audience know how they can learn more about you.   Thach Nguyen  37:36   Yeah, if you gotta go to my Instagram, it's Thatch Nguyen this my name, and you go to YouTube, I drop YouTube every single week. It's my name. Also that's when. And you can find me there. You can find me on Instagram, tik, Tok, Facebook, everywhere. That's where I inspire and empower people all over the world about real estate and mindset.   Keith Weinhold  37:54   If that's before, I ask you if you have any last thoughts as you look him up, it's spelled T, H, A, C, H N, G, u, y, e n, fetch. Let us know if you have any closing thoughts.   Thach Nguyen  38:04   Yeah, this has been on my mind lately a lot. If you want to be successful at anything, you got to get single minded focus. And I remember when I was in Tony Robbins training, we used to do fire walk a lot. And when you are doing fire walk, you have to get single minded focus. And the only thing that you will focus on is perfect health, perfect health, perfect health. As you walk in across five feet, six feet, seven feet, and you have to really stay focused on perfect health, perfect health, perfect health, perfect health. And if you don't, and I've seen what, people lost their concentration and they burn their feet halfway through. But I also see people so powerful where they can walk halfway stop, bend down, pick up a coal and keep walking. Don't burn because they really focus on single minded focus. So I want to say to everybody, make sure you clear on where you want to buy, what you want to buy, and then once you know where you want to buy, what you want to buy, get focused on your main job is to figure out how to find deals every day, because that's your main job. If you can find deal, you solve all of your personal problem.    Keith Weinhold  39:15   I am so with you on the focus of concentration, because diversification is a word that we're fed, and there's something to be said for that. But if you want greatness in anything, you really need to double down and focus. It's sort of like Andrew Carnegie said, put all your eggs in one basket and then watch that basket. Yeah. Well, that's when this has been great. It's been good to have you here on the show.   Thach Nguyen  39:35   I appreciate everybody we talk to y'all soon. Peace out.    Keith Weinhold  39:44   Yeah, good energy from Thatch Nguyen. He's based in Seattle. When you don't live in an investor advantage area, you have to get creative or scrappy, and he's doing it well, using ADUs and a lot of value add if you're merely investing. Investing on the side, well, then you're probably better off with a turnkey type investment, something that's not quite so hands on, but if you're devoted full time to real estate, then you really have some ideas there that you might want to pick up on. He wore a sweatshirt that says mindset on it during our chat. I like that. I mean, real estate investing isn't all about mindset, but that's surely where it begins for the production team here at GRE that's our sound engineer, bedroom Jampa, who has edited every single episode since 2014 QC and show notes, Brenda Almedares, video lead, brendawali strategy, talimagal, video editor, seroza, KC, and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  40:50   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  41:18   The preceding program was brought to you by your home for wealth building get richeducation.com  

Carnegie Hall is one of America's greatest and most enduring cultural landmarks, enchanting audiences and making history since its opening night on May 5, 1891, when Pyotr Ilyich Tchaikovsky appeared there in his first performance in the United States. This groundbreaking performance space (originally known simply as “Music Hall”) is in fact a trio of distinct venues, all nestled within a single, opulent Italian Renaissance–style building. Although its benefactor Andrew Carnegie and his fellow Gilded Age elites had moved their grand residences farther up Fifth Avenue, New York's established cultural institutions, like the venerable Academy of Music, still lingered well to the south. Carnegie Hall helped shift that center of gravity uptown. Yet the true history of Carnegie Hall lives inside its walls—within the experiences of the audiences and the artists, and, for this week's show, within the archives themselves. Tom and Greg have been invited into the Carnegie Hall archives for an exclusive, unprecedented encounter with the story of American music. Kathleen Sabogal and Robert Hudson of the Rose Museum & Archives guide the Bowery Boys through the Hall's past, using some of their collection's most cherished artifacts: a clarinet, mysterious locks, ledger books, stickpins, suffrage buttons, beaded jackets, photographs, and autograph books that together bring the spirit of Carnegie Hall vividly to life. And in the end -- they even take to the stage! Visit the website for more information and to listen to more episodes of the Bowery Boys podcast. You can also watch this show on YouTube. This episode was proudly sponsored by Carnegie Hall. Visit CarnegieHall.org for information on upcoming shows, including the United in Sound: America at 250 festival, a multifaceted reflection of the United States 250 years since the signing of the Declaration of Independence. This episode was produced and edited by Kieran Gannon Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Grit. Hustle. Resilience. The American Dream is built on the audacious belief that anyone can make it to the top. Every elementary school kid is imbued with the belief that anyone can become president of the United States. Or a hip-hop megastar. Or a space-faring billionaire. The notion is as old as the Republic and stands self-consciously in contrast to class-ridden Europe where one's prospects were often determined at birth. This ideal has always had its heroes: from Alexander Hamilton, the orphaned immigrant who crafted America's first financial system, to Andrew Carnegie, who went from working as a young teen in a textile mill to forging a vast steel empire. Since 1917, it has been the prime subject matter of this publication. So, in honor of America's semiquincentennial, we feel uniquely qualified to rank the 250 greatest living self-made Americans. Edited By Alex Knapp and Luisa Kroll, Forbes StaffReported By Jessica Jacolbe and Chase Peterson-Withorn Learn more about your ad choices. Visit megaphone.fm/adchoices

Top 10 Greatest Living Self-Made Americans Oprah Winfrey Harold Hamm David Steward Thomas Peterffy LeBron James Jan Koum Dolly Parton Bill Clinton Diane Hendricks J.D. Vance Grit. Hustle. Resilience. The American Dream is built on the audacious belief that anyone can make it to the top. Every elementary school kid is imbued with the belief that anyone can become president of the United States. Or a hip-hop megastar. Or a space-faring billionaire. The notion is as old as the Republic and stands self-consciously in contrast to class-ridden Europe where one's prospects were often determined at birth.  This ideal has always had its heroes: from Alexander Hamilton, the orphaned immigrant who crafted America's first financial system, to Andrew Carnegie, who went from working as a young teen in a textile mill to forging a vast steel empire. Since 1917, it has been the prime subject matter of this publication. So, in honor of America's semiquincentennial, we feel uniquely qualified to rank the 250 greatest living self-made Americans. (Our list of the 250 greatest historical ones will be released on Friday). To identify these revolutionaries, we first mined Forbes' 109-year-deep archive for classic tales of entrepreneurial capitalism. Then we asked our current crop of beat reporters for their ideas. We canvassed AI, running hundreds of queries through both ChatGPT and Gemini. While we put a heavy emphasis on rags-to-riches billionaires, we also included pioneering scientists, Supreme Court justices and others whose “wealth” is measured in influence and impact, not just dollar signs.  Next, we ran names past a panel of expert judges: DeAngela Burns-Wallace, CEO of the Kauffman Foundation; Keith Dunleavy, Founder, Inovalon; Rich Karlgaard, Former Publisher, Forbes; Steven Klinsky, Founder and CEO, New Mountain Capital; Jim McKelvey, cofounder of Block (formerly Square); and Ryan Rippel, CEO of NextLadder Ventures. An invaluable resource was , a 1-to-10 ranking that quantifies the “distance traveled” by each individual—separating those who started with nothing from those with a big head start. Only those ranking nine or ten made the cut. The final ranking encompasses financial success, obstacles overcome and enduring impact. Read the full story on Forbes: By Alex Knapp https://www.forbes.com/sites/alexknapp/2026/04/09/forbes-self-made-250-the-greatest-living-self-made-americans/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Andrew Carnegie was a businessman who became one of the richest people in the world during the late 1800s. He made his fortune in the steel industry, helping build bridges, railroads, and skyscrapers across the United States. Carnegie believed that wealthy people should use their money to help others. Later in life, he gave away much of his fortune to build libraries, schools, and concert halls. His ideas about hard work and giving back left a lasting impact on American society.

This week, in an abbreviated episode, the Troika begins an examination of more than a few fraudsters! We begin with Cassie Chadwick, the bane of Andrew Carnegie. We also discuss beer dynamics and baseball and Chuck Norris' horrible ouevre (RIP). Enjoy.

Napoleon Hill told the story that Andrew Carnegie gave him 60 seconds to decide whether he would take on the task of studying the most successful people of the time. Hill said yes in 29 seconds. That decision was the basis of Napoleon Hill's book "Think & Grow Rich". Whether you focus on the exact number or the principle, the lesson is clear: high-performance people act once they have enough information. In this episode, I share that story, reflect on an eye opening reply to my email "How fast do you make decisions?", and explain why procrastination is often just indecision hiding behind caution. I also explain why business acquisition mentees need both a clear process and a strong reason for their "WHY", and how my Acquisition Advantage Boot Camp can provide that structure. The current Boot Camp is the 2025 edition, and those who purchase it now will receive the 2026 updates when released. https://go.brucewhipple.com/aabc  To Your Success, Bruce

3. David K. Randall, *The Monster's Bones: The Discovery of T-Rex and How It Shook Our World*. This source describes the intense "bones race" between major museums and their wealthy financiers, such as J.P. Morgan and Andrew Carnegie. These titans of industry sought massive dinosaur fossils to bolster their own prestige and increase public interest in their institutions. Henry Osborne, the director of the AmericanMuseum of Natural History, felt immense pressure to find "monster" specimens to make the museum relevant to the city's population. At the time, the museum was an isolated building that struggled to connect with visitors. Brown's relentless searching eventually provided the sensational exhibits necessary to transform the museum into a major cultural attraction. (3)GREEN RIVER FORMATION

Keith breaks down where the U.S. housing market appears to be headed and which regions and states are quietly winning or losing in the population shuffle since 2020—and what that could mean for real estate investors.  You'll also hear about an intriguing cash-flow play in single-family rentals in select Southern markets. Then, Keith is joined by financial strategist and comedian Garrett Gunderson, who challenges the usual "scrimp and save" advice. Together, they explore how to build real wealth without sacrificing your life today, how high-net-worth individuals often get money wrong, and a different way to think about financial independence, freedom, and investing in yourself. Resources: Get Garrett Gunderson's Killing Sacred Cows audiobook free: DM @GarrettBGunderson on Instagram with the words "Keith Cows." Episode Page: GetRichEducation.com/595 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, is the future direction of the housing market trending up or trending down? Which states have seen the most population growth? Then powerful wealth mindset tactics with a financial comedian today on get rich education   Speaker 1  0:20   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests and keep top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:04   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 prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:38   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  1:54   Welcome to GRE from Mount Rainier to Mount Rushmore and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education. I am not a Lambo driving influencer that will take any brand deal just to shill a gambling platform instead. Our core strategy at GRE is aging. Well, I've spoken with a lot of LP investors with capital calls and deals that lost all their money. Well, we approach wealth building with discipline and consistency. It doesn't sound dazzling, but it really shines when things go wrong elsewhere, because at least for the core of our portfolios, we get long term fixed rate debt for income property get paid five ways and win the inflation triple crown, and we do it all with a high degree of passivity. Right before I took the mic today, I got a two sentence email from a property manager that said an air conditioning unit's air handler board had to be replaced for $420 I don't even know what an air handler board really is. Now, the manager sent some photos in a written estimate. I quickly checked chat GPT, and I saw that the price was about right, and replied to my manager to go ahead and have that done. That's it an example of relative passivity. US residential real estate has nominally appreciated over every single 10 year period in modern history, despite some occasional short term downturns, even those are not common. Well, we recently had a guest mention that it's 20 years at the longest like 20 years or less is the period of time between which real estate never goes down. He was right. But you actually can't find any 10 year period where home values fell. What about the 2008 global financial crisis, I think that's the first place that the mind goes. Well back then, home values bottomed out at 208k in 2009 before they started growing again. And 10 years before that, the median price it was 157k in 1999 so even when home values hit their GFC low at that point, they were still up 32% from the previous 10 years. So you can confidently say then that over any 10 year period, home prices are up nationally. Now, how about the future? Well, for the future, there is more evidence of rising home prices. Building permits for new homes have fallen to their lowest level since 2019 that's according to the census bureau. So fewer single family homes are being built. Now we plan to discuss that more on. Next week show when we dive deep on does America really have a housing shortage? But this week, more reasons for future home price bullishness is that the labor market now, it's not doing that great. It sure isn't white hot, but unemployment, which was already low, that recently dropped a touch lower to just 4.3% inflation has fallen to 2.4% and wages are rising faster than that. In fact, our own Fed Chair recently remarked at how he's surprised at the strength of the economy. The property market analytics firm kotality, they now expect home prices to appreciate another four and a half percent this year. They and other firms continue to believe that the Midwest will be the hottest area of home price growth even more than that four and a half percent in that region. That is because not only is the Midwest underbuilt, it's that the prices are so affordable that it's attracting young people. The other factor is that mortgage rates recently dipped just below six into the high fives again, and that can release this pent up housing demand, and think about where we've come from. In late 2023 mortgage rates were about 8% and now lower mortgage rates also reduce the lock in effect, so it can create both more sellers and more buyers. The thing to remember is that 70% to 80% of home sellers are also home buyers because they've got to live somewhere. And first time homebuyers, of course, they buy only, they don't sell anything. In fact, former GRE guest in housing wire lead analyst Logan modeshami and Barry Habib were just positing on this at housing wire's latest summit on how the volume of home sales has been depressed for so long that lower rates could very well trigger a rush of buyers, these kind of people that have been delaying purchasing for years, this pent up housing demand being released if indeed rates go lower. People think they know the future, but we don't really know that that's going to happen for sure. But a lot of optimism about this phase of the housing market supported by not great, but decent economic conditions. Of course, that new housing demand is going to manifest unevenly across the nation. So let's talk about the places that have seen the most population growth from 2020 to today, basically the states that support that housing demand. Well, between 2020 and today, the US has grown by about 10 million people. That's over 3% nearly every state grew. But the bigger story is where that growth is happening. And really, here's the jaw dropper as a region, the South, gained more people than all of the other regions combined, about 7.6 million new residents in the south since 2020 the South's population is up 6% the West's almost 2% the Midwest population is up more than 1% and The Northeast up seven tenths of 1% again, this is not per year. This is total population growth from 2020 to today, Florida and Texas, they led the nation among the big states, both up almost 9% sprinting like they just found out that income tax is optional. The Carolinas in Tennessee are big southern growers too. People clearly keep moving toward warmer weather, a lower cost of living, lower taxes and job markets. Nothing new there. California in New York are the biggest losers in absolute numbers, California losing half of 1% of population in New York, a full 1% people keep moving away from these traditionally expensive, high tax coastal states like a buffet when the crab legs run out, people just getting up and leaving. That's not any sort of news story there, either. These trends help cash flow residential real estate investors like us, because the south aligns with that favorable landlord tenant law and those high ratios of rent income to purchase price. Luckily for us, that's where people are moving too. The Midwest has those phenomena as well, although their growth has been slower.    Keith Weinhold  9:39   Now a few Midwest highlights for you. Since 2020 the population of Indiana is up 2.8% quietly benefiting from Illinois. Escape Velocity, Missouri up almost 2% and that's growing mostly in Kansas City and St Louis suburbs. Ohio at almost 1% that's pretty modest growth overall, but Columbus up 5% that is flexing like it just landed a semiconductor plant there in Columbus, the intermountain west has bicep bulging growth, but it rarely works for us, because rents are only a little higher, but property prices are way higher. Yes, those pretty Rocky Mountain states, great Instagram, tough cash flow now Louisiana, it is a state that confounds people. It's a warm place, and it has a low cost of living, you would think Louisiana would be attracting people in droves for those reasons. Well, then why is its population following Louisiana down nine tenths of 1% since 2020 Well, you've got bleak job prospects that make Louisianans leave its tax competitiveness ranks 31st property insurance costs are high thanks to environmental risk. Louisiana has more swamps than beaches. Even the NFL saints were six and 11, and if they had made the playoffs, that wouldn't have made people move back. And hey, no personal shade here, I enjoy going to the New Orleans investment conference in Cajun culture, in Airboat Tours through the alligator filled Bayou, fun stuff, but for income producing property, you got to seek out different characteristics than just vacation Glee or how Good the gumbo tastes keep emotion separate from investing, Hawaii is America's biggest percentage loser. Its population is down one and a half percent since 2020 its cost of living is stratospherically high, with a median home value of just a little over a million dollars. That results in net outmigration to the mainland parts of the Aloha state now experience natural decrease. That means that deaths exceed births. Natural decrease. That's mostly a phenomenon on the Big Island. That's not where Honolulu is. That's where you have Kona and Hilo when young people can't afford to stay demographic gravity kicks in population loss. Hawaii is also highly dependent on tourism, meaning more volatility in recessions. It has contractor availability issues and higher repair costs, partly due to shipping materials to the remote islands. What about the upsides of Hawaiian real estate? Well, you're just going to have this inherent, strong, long term land scarcity and lifestyle desirability overall. Hawaii isn't bad. It's just hard. And I like Hawaii as a place to vacation, so the best times in my life were in Hawaii. Now, with all this said, These are broad generalities about states which are big places themselves right now. There are certainly Missouri real estate investors listening to me that are actually losing, and Hawaii real estate investors that are winning, and even cash flow positive. I'm talking general trends here, and this is with respect to long term rentals, not short term rentals. If your rent to price ratio is as low as point three or point four, like it often is near the coasts, well then you are speculating on appreciation. That's what that means. All 50 states have opportunity. All 50 states have no go zones. People keep moving south. That's a trend that the pandemic accelerated six years ago. More opportunity is concentrated there. That's got nothing to do with vacation excitement. That is population math, and I'm talking about swimming with the tide here in our Don't quit your Daydream newsletter I recently sent you that colorful population change map that I was describing some of there. More recently, I also emailed you that great and rare map of landlord friendly versus tenant friendly states mapped out and a lot of other great stuff.    Keith Weinhold  14:17   Before we bring in our firebrand guest, Garrett Gunderson, I just learned about a really strong opportunity for a provider of single family rentals and duplexes in Memphis and Little Rock. They're providing a locked in 5% interest rate and 5% property management for five years. Yeah, that's not a throwback to 2020 it's what mid south homebuyers calls their triple five program. They are the oldest and most trusted, maybe turnkey investment provider in the country, operating since 2002 and what they do is they offer these fully renovated, occupied rental properties in Memphis and Little Rock, two of the strongest cash flow markets in the South. With financing and management and rates that make the math work like it hasn't in years. So again, 5% interest, 5% property management fees for a full five years. You know those markets, they already had these investor advantage numbers with rent to price ratios mere point eight in Memphis and Little Rock. But yeah, that low 5% mortgage rate, even for renovated properties, not just new build. That's the kind of spread that turns a good deal into a great one. So to give you an idea, if you get a 30 year fixed rate mortgage loan amount of 125k with a 7% mortgage rate, your principal and interest payment is 832, at a 5% rate, it's just 671, so that's $160 more cash flow right there, and it's made a tad sweetener than that with just a 5% Property Management rate. And I don't know how long that offer is going to last, but it is available now and for the next little while, you can ask about it. When you visit mid southhomebuyers.com that's mid southhomebuyers.com and you can ask them about their triple five program. More next. I'm Keith Weinhold. You're listening to Episode 595, of get rich education.    Keith Weinhold  16:19   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre. You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Dani-Lynn Robison  18:08   this is freedom family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Brenda.   Keith Weinhold  18:24   Today's guest is someone that America knows as the long haired, bearded money guy in the past, he's drawn physical appearance comparisons to Jesus Christ. He's a prominent financial strategist. Founded an eight figure company, hit the Inc 500 he's both a New York Times and Wall Street Journal bestselling author. He is just an electric speaker, including appearances in front of dozens of billionaires. And he's just got this great way of speaking to financial freedom that hits you differently. He even has a comedy special that's great to welcome back to the show. Garrett Gunderson,   Garrett Gunderson  19:02   that's good to be back. Man. Is really good. Love your energy. Has a nice intro.   Keith Weinhold  19:07   Well, you give a lot of like, nice guidance to people that's somewhat different than they're used to hearing. You know, Garrett, I think a lot of the conventional guidance is, you know, it's not very far above Elementary School advice like, put your credit card in the freezer so you don't use it too often, but a lot of times you speak to either business owners or people that have already had some success, and I think a lot of your underlying mantra is, hey, you better live your best life now   Garrett Gunderson  19:35   I kind of feel like you are your greatest asset, and if you starve out that asset because you don't feed it with knowledge, or you don't invest in yourself, or you don't gain the skills that really matter because you're so addicted to scrimping and sacrificing and building your balance sheet right, trying to build savings accounts and retirement plans and doing all you can to pay off that mortgage. Yeah, you could become a millionaire on paper. But will you live like one? Will you enjoy your. Life. What about all the memories that you miss along the way? What about having quality of life today and creating a life you don't want to retire from? The wealthy people, they didn't get that way because they shrunk their way there. They didn't get that way because they were amazing budgeters. They built businesses. They created value. They learned how to, you know, sell or speak or market or have business acumen that grow business or to hire people, and having those systems that actually impact more people or more deeply impact the people that they serve, because it's about value creation and their value creators. And I think this notion of just thinking, Oh, I could just trade time for money and set money aside. Man, that's a really painful way to get to a million dollars, but Northwestern Mutual, they just put out an article that said, 32 or 34% of millionaires don't feel wealthy, because if you have money tied up in an account that isn't kicking off cash flow, it doesn't feel like wealth. You can't spend that net worth. It's just a statement if you don't learn how to create cash flow. And I love financial independence, where people have cash flow from assets to cover their expenses now their lifestyle is covered from that cash flow. Now they can reinvest every active dollar into themselves and their quality of life, into more cash flowing assets, into taking trips along the way, not just waiting until they're too old to enjoy it.   Keith Weinhold  21:13   You work with business owners all the time, and you've even worked with some ultra high net worth people that still seemed to scrimp and save. Do you think really, what is that the function of? Is it more of the wrong mindset or the wrong tactics when someone acts that way?   Garrett Gunderson  21:32   It's a mindset that's really kind of handed down to them? Yeah, maybe from their parents or grandparents or from a different era, like there's people that were, you know, in the Great Depression, that then tells stories to their family about how tough it was, and you never know when that money could go away. So you got to hold tight, and it's a scarcity mindset. So one of the wealthiest clients I ever had, I mean, this was a guy who he was worth a lot of money, but you would never know it. I saw him on TV one day. I was like, Dude, he needs new clothes, and we found a strategy to save him a bunch of money. He was just buying his inventory with cash or like, let's buy it on a plum card, and you'll get cash back. I just said, Just take 10% of that cash back, which was over $100,000 a month, and spend it on yourself. He's like, Well, I wouldn't know to spend it on I'm like, Well, how about some new clothes to start with? He's like, Okay. And then the next month, he bought a nest system for his house. The next month he bought a sound system. Eventually, saved up enough money to buy a Tesla, which he really wanted, like it was money that was there for him, but it changed his entire paradigm, because now he had a quality of life. He was very philanthropic and donated money. He built massive businesses, but he never treated himself well. He'd never felt like it was okay to spend that money because of his upbringing, because the way that his parents viewed money and the way that their parents viewed money, and it was always something that felt scarce. So it felt like, okay, will this go away? And the reality was, we just found money in your couch cushions, essentially. So why not enjoy it along the way? He eventually bought a home that he loved on the water, that he loves the garden. I mean, it was like a total transformation with that one simple thing to help him heal his relationship with money, overcome scarcity, because he was already highly productive. He just had to break free from this budgetary mindset.   Keith Weinhold  23:09   That's great. It was almost like, Dude, I can see it in you. Before we even talk. You got that code off the rack at Burlington. I swear you can do better than this. Come on, now   Garrett Gunderson  23:17    30 years ago, 30 years ago too. You know, it doesn't even fit anymore.   Keith Weinhold  23:23   Well, you know, I recently dedicated a complete episode Garrett to the way I put it is that the risk of delayed gratification is denied gratification. Now, there are some good things to be said for delayed gratification, I think, especially when you're younger, or you're just starting out in the working world, and you just tried to cover rent for your apartment and you don't have much else. Delaying some gratification is good. You need to form capital. You need to get liquid. I try to avoid saying stacking savings, because that gets people in the mindset of becoming super savers sometimes, and they miss out on returns. But what I mean about the risk of delayed gratification, being denied gratification, if it's taken too great of an extent, is, you know, I'm talking about the guy where, when he was 24 he used to say, Oh, I'm going to visit the Galapagos Islands someday. That's what I want to do. But you can just tell by the time you talk to the dude, when he's 48 he begins to use the past tense for things he wanted to do, for example, then he might start saying, Oh, well, I guess I never did visit the Galapagos Islands. You know, you can tell with people when they use the past tense, and that's when you know that their future is not bigger than their past, and a lot of that is the reflection of their financial status.   Garrett Gunderson  24:40   I got married at age 23 and the first two years, well, it was really like the first year and a half, maybe I was just such a miser. I gave my wife a $400 a month budget for an apartment, and we found out that there's places you don't want to live in Utah. I didn't know it, but she's like, is this what you want? And I was like, This doesn't feel like a safe neighborhood. And then you. Know, I was like, All right, maybe $600 I was still kind of really scarce. And my parents were like, Why don't you just live in our basement, rent free, and my wife's like, sex free. If you think that's where we're living, I'm gonna live in my parents basement, you know? Because I just thought money was something to save. So I saved me over 50% of my income. And a lot of people were like, that's amazing. Congratulations. Great job. And so I felt really good about it, and then I realized that my business wasn't growing as fast as this other person my age. I met him at an event, and a year later, he was doing better. And I was like, Dude, what's going on? I could hear it in your voice. I could hear like, you're just a different person. He goes, Oh, I'm doing two things. One, I just hired this guy, Steve D'Annunzio, and he changed my entire life. And I was like, I need to meet him. He's like, he happens to be here in Vegas. He's from Rochester. Introduced me. I hired him as my coach right away. I'm hearing all these people talk about strategic coach at the same event, and they had a booth. So I signed up for Strategic Coach, which meant I had to part with some of my money. Think it was $7,500 I hired Steve as a one on one mentor, and all of a sudden I was investing in myself, yeah. And I broke free from those chains of like, reduction and restriction into the game of production. And then I even had a situation where a woman called me out at the same event. This was a life changing event where she's like, I wonder what it's like living in a financial prison you built for your wife. It's like, Oh, see, that's what happened. I thought I was responsible, and building that responsibility that's actually building walls. And when I came home for that event, my wife and I started looking for our home. Within a few months, we found one. I bought a home. It was very easily within my means. I basically made as much as I paid for this house that we loved. We lived there for nine years. We built so many memories. You know, we had our two kids while we were there, I started host study groups, and that year, I grew my income by $170,000 with the coaching of strategic coach, Steve dnunzio And this woman, Nancy, calling me out. The next year, it grew by even more because the skills started to compound. I decided from that moment forward, I would spend at least $40,000 a year, which I might be able to reach for some people, but at least $40,000 a year on mentors. Is a guy named Alan. He writes my meal plans and my workouts, and I'm at 10% body fat because he knows exactly what they do. I do what he says. It was worth this $10,000 investment, because now I pay attention what I pay for, and I look at like if I'm my greatest asset, how can I create more energy? How can I create more value? How can I feel better about myself? How can I show up the very best version of I am, so I can deliver the most to the other people. And so I've always just been in amazing groups. I just got back from two different events in Beverly Hills around amazing people, learning incredible things that allow me to grow. I haven't spent a huge amount of money on a mentor last year to figure out something that I hadn't been able to figure out to this point. It's the same thing I did to become a speaker, to become a writer or even learn how to sell or market, you've got to invest in the skill, not just in the savings account. You grow yourself first, and then you grow your money. If you starve yourself out because you're in that miserly mindset, you're going to stunt your growth and never be fully fulfilled.   Keith Weinhold  27:56   You're your own best investment. And yes, this stuff is the varying definition of investing in yourself. Don't live below your means. Grow your means and all of that.   Garrett Gunderson  28:05   Grow your means and be more efficient within your means. I mean, the best way I know how to save is not overpay on tax, which 98% of business owners are doing that today. You know, don't overpay on interest, because you either restructure your loans, renegotiate your interest rates, reallocate underpouring funds to pay it off, or you remove investment drag. A lot of people have unnecessary fees and hidden commissions that drag on their investments. Or just design your insurance properly so it's more efficient. Those four i's, IRS, interest, investments and insurance show you how to keep more of what you make, take some of that money, build up your foundation so you have a peace of mind fund, so you have staying power, at least six months of liquidity and then invest more into yourself or learn how to create cash flow. This is the game the wealthy play. But the poor middle class, they think it's about paying off a mortgage and funding the retirement plan, and they will argue about it until it's too late, when they get there and now their homes paid off, but the property taxes are higher than their mortgage was 20 years ago, you know. Or they have home maintenance they have to take care of, or inflation has destroyed the value. Like if someone were to put away 100 grand and they wait for 30 years if they got 10% which the market did the last 30 years, if you reinvest dividends, they're going to have right around $1.7 million but if they have to pay 2% in fees, fiduciary fees, 12 b1 fees, which are marketing fees for the fund expense ratio, you know, the fees of maybe a retirement plan, and they now have 2% fees. It only goes to 1.1 million. Huge difference. And that 1.1 million if we account for inflation, even if we said inflation was low, like 2.7% over that 30 years. Well, by the time we pay for inflation and tax, guess what? The purchasing power value is like, 300 grand $300,000 that's a problem, and it's because they didn't learn to create cash flow. It's because they didn't learn to invest in themselves. It's because they relied completely on a market they don't control. I'm not saying the market is completely something to avoid. I'm saying we go in sequence. How do you grow your income for. First, then how do you keep more of the income you make with? You know, financial savvy and plugging leaks. Then learn to grow your money, but maybe growing your money. For some I like to think of like three dimensional assets, like real estate's three dimensional. It can grow in equity, it can create cash flow, and it has tax advantages. But my business is three dimensional, the more my business creates cash flow, without me, the more equity it has, and that business has major tax advantages. So most people are one dimensional, pay off a loan, put a money in retirement account. That's the poor, middle class. Wealthy people build a system where they've got three dimensional assets, equity, cash flow and tax savings. And that is a complete game changer, because then they can employ the buy borrowed I strategy, if you have assets like, you know, an individual stock, or if you have assets, like a piece of real estate or a business, you could borrow against it. There's no tax on that five for life, right? You keep refinancing. Or you can even do charitable trust to avoid the taxes upon the sell of those paying no tax when there's gains. Or you can pass it on to the next generation with a step up in basis, which means they get it at the full value and not have to pay the difference. And if you have life insurance, the life insurance will pay back the loan that tax free as well. So buy, borrow, die. I mean, it's a completely different thought process of defer taxes. If you defer taxes, I get it. You could do a Roth IRA or Roth 401. K Sure, that'll let you put after tax money in and grow it. But where's the cash flow? What's the underlying investment? How does it help you create financial independence? How does it help you does it help you grow your skills to become a better investor? We've been taught to be lazy, not that people are lazy. We've just been taught to be lazy with our money. We've been fed a narrative. I don't have the time, I don't have the skill, I don't have the interest, but I want to have it, so I just hand it over. And who do we hand it over to Keith Wall Street. Wall would you trust Wall Street? Like you flew to Frankfurt not long ago. Would you get on Wall Street airlines where they're like, hey, sometimes our planes go up, sometimes they go down. That would brand, and he'd feel inspired, right? Would you go to Wall Street, you know, hospital? Or like, hey, he lost one of your kidneys, and by loss, we stole it and resold it. You know, like, Wall Street doesn't have a brand. That's good. It's boiler room. It's Wolf of Wall Street. It's the movie Wall Street with Michael Douglas. You know, greed is good like yet that's what people put their money into. And you can go to any downtown and any major city, and guess who has the biggest buildings, insurance companies, banks and Wall Street investment companies. So you're taking the size of your home and shrinking it to build up their building and put money in their pocket. And their story is, it's because they're Ivy League, they're smart. They try to make it complicated, but you don't have to know most of the things you think you need to know about finance. The foundational things are important, how to protect your assets, how to design insurance, to transfer risk, how to have some liquidity, how to automate your savings. And then you focus like Warren Buffett would teach. He said, You know how people would become a better investor if they only had 20 investments they could make over their lifetime? He says, I don't diversify because I'm in the know. He's like, I'm a good businessman, therefore I'm a good investor and I'm a good investor because I'm a good businessman. I don't separate the two. Yeah, most people think he's a stock market investor. No, he buys out the companies in the stock market. Rarely does he have minority stakes in it. He does have some of that, maybe with Coca Cola and apple, but he bought a lot of companies outright, whether it was Geico, whether it was See's Candies, whether it was like he buys these companies, he's so far outperformed the stock market by billions of dollars from an index fund like what he has, versus someone that put the same money in an index fund, Warren has billions more from his investments than the person that put all their money in the index fund, even if it was the same amount. It's completely about strategy, not about luck.   Keith Weinhold  33:30   Yeah, it's the Andrew Carnegie, put all your eggs in one basket and then watch your basket. Yeah? Watch that basket like a hawk. Totally. Yeah. I mean, stacks mutual funds, they have what I call those five simultaneous drags. If you think you're getting a 10% long term return over time, subtract out inflation, emotion, taxes, fees and volatility. What do you have left? Not much. But there's no friction there. It is just the easiest thing to do ever since decades ago, 401 K contributions begin to become automated throughout your paycheck, sometimes even automatically, automated   Garrett Gunderson  34:04   values your permission opt out. It's easy. You have to opt out, right? It's Big Brother. You don't know what's best for you. And by the way, how crazy are four one K's. Part of the reason the market has gone up in value is because people consistently fund for one case, whether the market's going up or down, they're told $8 cost average. So that's artificially fueling the market. When we see the numbers, there's a buffet index, and it's like 2.9 times higher than what he's comfortable with, with the stock market, because of how overinflated the market is, partially due to inflation, partially because people put money in. But let's remember, why did 401, K's even come about? Because pensions failed. And by the way, these pensions failed and they had world class money managers managing these multi billion dollar pensions, but they didn't know about something called disinvesting, or didn't know enough about it. When the market goes down and pension money is owed, they still have to pull money out of the pension to pay the employee which disinvests, which pulls more money out of the account. So now instead of just being 10% down, they might be 17% down. And so even if the market comes back 10% it's 10% of only 83% of the money. So not even back to square one. And if it goes down a second year in a row, they're in real trouble. It starts to chip away at the principal, and they can't recover. And that happened to pensions, and they said, Oh, here, we can't handle these. We're going bankrupt. We're going to get rid of pensions. You take care of it. Well, guess what? Vanguard says, the average balance in a 401, k right now is $148,000 how someone's supposed to live on $148,000 even if you could get 10% that's $14,800 a year taxable, that's not going to do it. Even if you have a million dollars, where are you going to put the million dollars to get the return without risking it going down? Maybe you're going to be in treasuries at 5% that's $50,000 taxable per year. You're a millionaire on paper, but living poorly. That's why I'm here to call these things out. I think that my book Killing Sacred Cows, which was my original New York Times bestseller, which is probably how we met. Yeah, I rewrote it. I rewrote it, rereleased it in 2024 and I'll give people the audiobook. They just have to DM me on Instagram. Garrett B Gunderson and DM the word cows with Keith's name, cows and Keith or Keith and cows. I'll hook you up with the book for free, so you can learn about the nine financial myths. We're talking about some of them here, but there's also some comedy in there, so they can laugh after each chapter. I threw some comedy in there. You know, if you like my comedy, I'm not the funniest comedian. I'm just the funniest money comedian. That's the reality.   Keith Weinhold  36:33   When we had the very inventor of the 401 k plan, Ted benna, come onto the show, he revealed to us that when 401 K plans rolled out, they were first called salary reduction plans. They had to scrap that name in order to foster participation. But reducing your salary is still principally what it does to you. You got to think about it that way and blow up some of these myths. But Garrett, you've already given a lot of great technical information about what someone can do, how someone can think differently. Bigger pictures, we're sort of winding down here. You know, when I'm thinking about this whole delayed versus denied gratification thing, how do you meter it out right throughout your life? I mean, what's your earmark your family legacy? How do you meter it out, right so you don't have too much or too little at the end of your life?   Garrett Gunderson  37:15   I like to see this strategy of, like, what would the rockfellers do that I wrote about is, you know, the beginning before that strategy is you pay yourself first, which has always been around Richest Man in Babylon. Tons of books talk about it. My argument is you want to pay yourself at least 15% of your personal income, off the top, to a separate account. Once you get six months in that account, now you start to invest that money, but you build your stability with that peace of mind. And we want 15% because the luxury once enjoyed becomes a necessity. So you want more money in the future, not the future, not less propensity to you know, there's also, just like planned obsolescence, things break down. You have to repair them. Technological change, we're buying new technology that doesn't even exist. I have now subscriptions to a bunch of AI things that help me out, right? But I'm spending more money. There's also taxes, those could go up in the future, or 38 trillion in debt as we film this, which is a crazy number. And there's also inflation. If we give 3% to each of those five factors, that's 15% now again, use the four i's, IRS, interest, investments and insurance to find that money, not just budgeting. But then here's the magic. At least 3% of your income should go to a separate account called the Living wealthy account. That's your guilt free spending, value based spending account, so you enjoy some money along the way. These are the things that are the finer things in life that people might say are wasteful. You know, there's a book called unreasonable hospitality that talks about this, 11 Madison Avenue was the number one rated restaurant in the world. And, you know, will who wrote the book talked about they had 3% of their budget to just go wild on their customers dream making money, right? So to create the special experience in the restaurant, and even the bear, I think was season three, showed some of that process of how they do that. So I highly recommend taking a certain percentage. You get to enjoy along the way. It could be higher than 3% but start there, and you're going to feel better, you're going to have different energy, you're going to show up in a different way. And then from there, I just believe in having trust, so that your money's outside of your estate, and protecting financial predators so you own nothing but control everything. And I personally use life insurance. I use just standard over, you know, like basically properly structured, optimally funded whole life, so that death benefit will come in after I die. It allows me to spend more of my money and then have it replenished so I can enjoy more of my money along the way, because I know that death benefit will be there for my wife or even for my family trust after I'm gone, so I don't disinherit the people that I love.   Keith Weinhold  39:31   Garrett Gunderson, he can take you through these steps, which he calls financially fit, to financially independent, and then finally to financially free. Tell us a little more about that going through those steps.   Garrett Gunderson  39:44   So financial fitness means your financial house is in order. You've got everything handled properly, car insurance, homeowners, liability, disability, medical life insurance, your corporate structures as a business owner, how you pay yourself, your taxes the last three years and move. Moving forward your investments. It's like, you know what it's going on. You've improved your cash flow, and you're dialed in. You're as safe as you could possibly be. Then financial independence is, how can we create income, especially from a business that comes in when you don't, that's people, that's processes, that's technology, so that you can be involved, but you don't have to be involved. This is the part most people miss, yeah, and I think it's crazy. A lot of people have this notion they're just going to work so hard so they can sell their business one day, I'm like, What about just creating a business that you love so much you don't want to sell it? What about giving up the things that are burning you out and have the employees that can take care of that so you do the things that you love and then just enjoy life along the way, take some little trips, take some time off and come back in. The business grows up when you're away, they learn how to do things without you, and then you can still create value into that business. I sold the business in 2021 and really regretted it, because I kind of was so removed from the business. I kind of felt like it lost its soul and I didn't feel connected to it. So this time around, I started a business in July of 2024 I'm like, I'm only going to work with the P with the people I love, building things that I love, and I'm not going to let myself get burned out by doing too much. We're going to take two weeks in Hawaii coming up here in April, just enjoy some time together as a family. We do quarterly family retreats with my wife and kids. We do traditions with my family up at my cabin, like I want to have this great life where it's blurs the lines between work and play. I have a little quote from someone else that talks about that art of life is blurring the lines between work and play, but also just having complete play sometimes that there is no work. So I come back refreshed, relaxed, rejuvenated and ready to create. And so really, that financial independence gives you permission to swing for the fences and what you do, knowing your foundation is handled, knowing that your lifestyle is covered, from assets to create cash flow gives you work optional freedom. But instead of retiring, think, what could your biggest impact be like? Create the life you don't want to retire from. Create a vision so compelling you can dedicate your life to it and find that the win is actually in the work, not just the outcome. I think that is the elegance of we win when we play, and when we have more play in our life. We don't try to escape from something. And when you start something, you might have to do things you hate, but you can eventually delegate it, and then life becomes great. I mean, one of my early coaches, Dan Sullivan, who I mentioned, a strategic coach. He's in his 80s, still behemoth of creating value in the in the market. To listen to him, you know, he's phenomenal. He's made such a huge difference in my life, and he has no intent of retiring. He just gets smarter every year, adds more value, builds more infrastructure, and he's the one that taught me the merit of free days, just taking time off, taking time away. So, yeah, that's financial independence. Is cash flow, and then financial freedom is a state of mind. It's when money is no longer the primary reason or excuse you would do or not do something. It's a consideration, but it's no longer the consideration means that you have a healthy relationship with money. Money is an asset and an ally, not an enemy. You don't come from a place of scarcity. You come from a place of abundance. You can be more present with your family and doing what you do without feeling distracted. I think wealth is our ability to be present, not necessarily how much money we have in a bank account. I think we have a good amount of money in a bank account, and we can be present. That is like true wealth.   Keith Weinhold  43:12   It harkens back to the John D Rockefeller, he who works all day has no time to make money. Rockefeller would have said, you can architect a wealth plan if your head is down on the assembly line, that means gradually move your offer. It's from trading your time for dollars over to owning assets that pay you to own them. Garrett's comedy special is called the American Ream. There's no D in that word, R, E, A, M. You can look that up, Garrett. It's been enlightening as always. Thanks so much for coming back onto the show.   Garrett Gunderson  43:43   Hey man, good to be back.   Keith Weinhold  43:51   Always. A lively conversation with Garrett, besides some great mindset perspective, he's really good at saving you tax and setting you up with asset protection. Though he's not as real estateish as me, he's pretty savvy. For example, He's aligned on the fact that, for example, say you have an 80k debt. Well, it doesn't necessarily mean that it makes sense for you to pay that off sometimes it does, but what happens to your net worth anytime you pay off an 80k debt, well, let's see. You've reduced your asset side by 80k and you've reduced your debt side by 80k so your net worth is the same, and retiring the debt means that you might have lost leverage, lost cash flow and lost tax advantages, all at the same time on Instagram, send a DM with the two words, Keith Cows to Garrett B Gunderson, and he'll hook you up with his book for free next week on the show, we go deep on does America really have a housing shortage with an expert analyst. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 4  45:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  45:29   The preceding program was brought to you by your home for wealth. Building, get richeducation.com  

The Gilded Age was marked by the rise of powerful industrialists - but four men in particular are known for the power they wielded and the complex legacies they left behind. John D. Rockefeller transformed oil. Andrew Carnegie's steel empire was built on efficiency and reinvestment. Cornelius Vanderbilt revolutionized transportation and railroads in American and J.P. Morgan's financial prowess consolidated entire industries. Together, these men permanently reshaped the American economy for generations. Yet, their methods led to significant consequences. Tune in this week to explore how these men built their empires - and why their complicated legacies remain a central debate today. Support the show

The story of the Carnegie Library in Patchogue is a great case study in library history. The village started with an association library in the late 1800s, a subscription-based collection of books that floated between stores and offices and languished for lack of funds. Then the women's suffragist organization Sorosis spearheaded the effort to turn the neglected collection into a New York State-chartered public library by 1900. The next leap was a $10,000 donation (later raised to $15,000) from steel magnate and library philanthropist Andrew Carnegie. The money funded the construction of a neo-classical building on Lake St. that brought state-of-the-art library service to the people of Patchogue. However, by the end of the 20th century the public library had moved down the block, Briarcliff College had come and gone, and the Carnegie building sat empty, soon endangered by looming development. The story has a happy ending as the building now sits at the corner of West Main St. and West Ave, serving as a vibrant teen center and a museum for the Greater Patchogue Historical Society. How did that happen? Listen to Patchogue librarians Jessi Bouchelle and Gary Lutz, along with the Historical Society's Steve Lucas, tell the tale. Further Research Teen Center at the Patchogue Carnegie Library Patchogue Medford Library History Greater Patchogue Historical Society Carnegie Libraries Across America Van Slyck, Abigail A. "" The Utmost Amount of Effectiv [sic] Accommodation": Andrew Carnegie and the Reform of the American Library." The Journal of the Society of Architectural Historians 50, no. 4 (1991): 359-383. Intro Music: https://homegrownstringband.com/ Outro music: Capering by Blue Dot Sessions CC BY-NC 4.0

Learn about the remarkable partnerships that produced more than 2,500 Carnegie‑funded libraries across the United States and the complex, negotiated process that made these institutions enduring pillars of public knowledge. Drawing on contemporary scholarship, the conversation illuminates how local communities, librarians, and decision makers harnessed Andrew Carnegie's philanthropic energy to shape America's public library system.00:30 Intro03:00 Andrew Carnegie: Immigrant to Titan of American Industry11:30 Carnegie Libraries Spread Across the Country24:40 Library Design and Enduring Legacy30:00 Carnegie's Vision of Citizenship & the Gospel of Wealth39:45 What We Learned This WeekFor a full list of episode sources and resources, visit our website.

From student loan anxiety to financial liberation through mindset transformation - and the brutal truth about why your salary doesn't determine your wealth but the quality and quantity of your work does, the Andrew Carnegie revelation that workers set their own income by going beyond bare minimum to broker deals and provide value 24/7, the student loan crisis phone call that revealed how one sister's crippling fear was solved in a single conversation by explaining income-based repayment plans where healthcare workers pay 10% of income for 10 years then get forgiveness, leading to her getting married and buying her first home within a year, and why that moment became the birth of Investing Tutor when a Google search revealed no one in America or the world held the title of "investment tutor" making it possible to become the first, while the real question becomes: why are people not educating themselves about money when Henry Ford said if people truly understood how money works there'd be a riot the next day, because people are so busy earning money they haven't taken time to understand how it's created and how it works, and the marriage analogy proves everything - people enter marriage based on what they saw at home without reading a marriage 101 guide, people enter friendships without studying relationships, and people chase money without understanding the financial system, leaving them trapped in the distraction of working for paychecks instead of building wealth through quality work, quantity of value, and strategic positioning in assets that appreciate over time. In this raw episode of Konnected Minds, host Derrick Abaitey sits down with Dr. Hans - the investing tutor - who dismantles the dangerous "get a degree, get a job, get paid" mentality keeping people locked in financial mediocrity, revealing the exact moment when a close friend's sister was paralyzed by student loan anxiety and couldn't imagine getting married or buying a house, when one phone call explaining that student loans are actually the best debt in America because you can get on income-based repayment plans where healthcare workers pay just 10% of income for 10 years then receive forgiveness changed her entire life, when Derek a year after that conversation she got married in a beautiful wedding and purchased her first home, when that experience became the catalyst for Investing Tutor because it exposed how many people don't know basic information about the financial system, when during that same week a close friend from Ghana called saying "Hans I just started a new job and I keep hearing stocks, stocks, stocks but I know nothing about stocks," when the shock of realizing people don't understand stocks led to a Google search for "investment tutor" and the search results came back with zero people in America or anywhere in the world holding that title, when that gap made it possible to earn the title of the first investment tutor in America. This isn't motivational wealth-building talk from Instagram financial gurus - it's a systematic breakdown of why Andrew Carnegie's revelation that workers set their own salary by quality and quantity of work dismantles the victim mentality that bosses control your income, why student loan anxiety can be solved in one phone call by understanding income-based repayment plans that forgive debt after 10 years for healthcare workers, why that phone call led to a marriage and a first home purchase within a year proving financial education changes lives immediately, why Googling "investment tutor" and finding zero results in America or the world created the opportunity to become the first and earn that title, why Henry Ford said if people truly understood how money works there'd be a riot the next day because the system is designed to keep people distracted earning paychecks instead of building wealth, why stopping at business class on your first flight from Ghana to the US and saying "this is where we should be sitting" is the mindset that separates those who build generational wealth from those who accept economy seating for life. Guest: Dr. Hans (The Investing Tutor) Host: Derrick Abaitey

In this episode of the Fund the People Podcast, listeners will gain practical insight into how philanthropy can evolve to meet today's interconnected crises—and what funders can do differently right now to support justice, sustainability, and nonprofit workers. Host Rusty Stahl is joined by nationally recognized philanthropic leader, lawyer, and author Dimple Abichandani, whose new book, A New Era of Philanthropy: Ten Practices to Transform Wealth into a More Just and Sustainable Future, offers a bold reimagining of philanthropy's purpose and practice.Together, Rusty and Dimple explore why so many funders are skeptical that philanthropy can rise to this moment, tracing those doubts back to the field's historical roots in Andrew Carnegie's “Gospel of Wealth” and the enduring legacy of Gilded Age thinking. They focus especially on the importance of investing in nonprofit people, with Dimple sharing concrete examples from her time as a foundation CEO—including "healing justice" grants that helped address burnout, trauma, and precarity in grantee organizations of General Service Foundation before and during the pandemic. The conversation closes with a compelling invitation to move beyond 'gilded philanthropy' toward 'true alchemy': transforming wealth through care, listening, and solidarity, so that communities can genuinely thrive.Gust bio: Dimple Abichandani is a nationally recognized philanthropic leader, writer, and lawyer, and author of a forthcoming book, A New Era of Philanthropy: Ten Practices to Transform Wealth Into a More Just Future, that offers fresh answers to the question of how philanthropy can meet this moment.Related episodes:How Funders Can Support Nonprofit Workers in the Age of Burnout, Part 3 – with Desiree Flores, Executive Director, General Service FoundationLinks to Resources:A New Era of Philanthropy book by Dimple AbichandaniDimple Abichandani websiteFor Philanthropy, This Actually Isn't 2016 All Over Again⁠, Dimple Abichandani letter in The Chronicle of Philanthropy, November 2024To Ensure Nonprofit Wellbeing, Invest in Wages, Workloads and Working Conditions Rusty Stahl's guest post on Center for Effective Philanthropy blog, June 2024

In this eye-opening conversation, Aaron sits down with economic historian Chris Bream, author of Beyond Steel: Pittsburgh and the Economics of Transformation to unpack one of the most dramatic industrial collapses in American history — and what it reveals about the future of cities, regions, and the country.Pittsburgh went from being the steel capital of the world to losing hundreds of thousands of jobs and people in just a few brutal years in the early 1980s. Chris explains why the collapse was so sudden and so total, how generations of warnings were ignored, and how Pittsburgh eventually began to rebuild around talent, education, and knowledge industries.This is far more than local history — it's a powerful case study in economic denial, disruptive change, identity tied to work, and what successful regional adaptation actually looks like in the 21st century.CHAPTERS:(0:00 Introduction)(0:59 Why Pittsburgh became the steel capital of the world ) (3:24 Geography, coal, rivers, and Andrew Carnegie's real role ) (5:18 How steel came to dominate and displace every other industry)  (7:54 Steel wasn't just jobs — it became Pittsburgh's entire identity ) (10:03 The shocking speed of the 1980s collapse — what really happened ) (13:21 Paul Volcker, 21% interest rates, and the Rust Belt reckoning ) (15:21 Warnings ignored for decades: reports from the 1940s, 1960s, and earlier) (19:24 Why temporary booms kept postponing the inevitable day of reckoning ) (23:27 Denial, hubris, and the human cost of believing “it will never end” ) (27:14 How Pittsburgh actually recovered — the real story ) (29:47 The roots of the knowledge economy go back decades before the crash ) (31:20 Lessons for the rest of America: what declining regions can, and can't, do ) (33:52 Rethinking success in places that won't grow anymore ) CHRIS BRIEM LINKS:

Cassie Chadwick was one of the most audacious con artists in American history—and her trail of deception ran straight through Ohio. In this episode of Ohio Mysteries: Backroads, we dive into the unbelievable true story of Cassie Chadwick, the woman who convinced bankers, elites, and even her own husband that she was the secret illegitimate daughter of steel tycoon Andrew Carnegie. Through forged documents, bold lies, and sheer confidence, Chadwick swindled millions and exposed the vulnerabilities of America's Gilded Age financial system. Joining us is author Wendy Koile, whose research brings new depth and clarity to Chadwick's rise, her carefully crafted illusions, and her dramatic downfall. Together, we explore how Chadwick built her empire of lies, why so many powerful men believed her, and what her story reveals about greed, trust, and ambition in turn-of-the-century Ohio. It's a tale of luxury, lies, and legend—hidden just off the Ohio backroads. Local author and friend of the show, Wendy Koile has a new book out just in time for Valentine's Day. Wendy will join us soon on an upcoming episode to discuss this fantastic new book: "Love, Lies. Murder in Northern Ohio". You can get a copy through Amazon, any bookseller or direct via her website at: https://wendykoile.com Check out our Facebook page!: ⁠⁠⁠⁠⁠⁠https://www.facebook.com/profile.php?id=61558042082494¬if_id=1717202186351620¬if_t=page_user_activity&ref=notif⁠⁠⁠⁠⁠⁠ Please check other podcast episodes like this at: ⁠⁠⁠⁠⁠⁠https://www.ohiomysteries.com/⁠⁠⁠⁠⁠⁠ Dan hosts a Youtube Channel called: Ohio History and Haunts where he explores historical and dark places around Ohio: ⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCj5x1eJjHhfyV8fomkaVzsA Learn more about your ad choices. Visit megaphone.fm/adchoices

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The Gilded Age was a time of unparalleled wealth and prosperity in America—but it was also a time of staggering inequality, corruption, and unchecked power. Among its richest figures was Andrew Carnegie, the steel magnate who built his fortune on the backs of low-paid workers, only to give it away—earning him the nickname the Godfather of American Philanthropy. He didn't just fund libraries and universities, he championed a philosophy: that it was the duty of the ultra-wealthy to serve the public good.But, as it turns out, even philanthropy is a form of power. So, what exactly have wealthy philanthropists done with their power? We explore that question at the Cooper Hewitt, Smithsonian Design Museum, inside Carnegie's former mansion. There, a board game called Philanthropy invites players to reimagine the connection between money and power—not by amassing wealth, but by giving it away.Produced by The Smithsonian's Podcast — Sidedoor.  With host and Senior Producer Lizzie Peabody. Featuring:  Christina de León, Associate Curator of Latino Design at the Cooper Hewitt, Smithsonian Design Museum Tommy Mishima, artist and co-creator (with Liam Lee) of the installation Game Room in Cooper Hewitt's triennial Making Home David Nasaw, author of the biography Andrew Carnegie The Kitchen Sisters Present is produced by The Kitchen Sisters (Nikki Silva & Davia Nelson) with Nathan Dalton and Brandi Howell. Part of the Radiotopia network from PRX. 

Dima Zelikman is the Chief Marketing Officer and Co-Founder of Unbound Merino, where he leads brand strategy, growth marketing, and creative direction. With a focus on simplicity, versatility, and performance, he has helped shape Unbound Merino into a global travel clothing brand trusted by customers in over 100 countries. As CMO, Dima drives the vision of the “Pack Less. Experience More.” movement. Building a brand that inspires and empowers travelers to live and explore with freedom. In This Conversation We Discuss:[00:00] Intro[00:00] Sponsor: Taboola[01:55] Positioning products around customer lifestyles[03:33] Turning personal travel pain into a business idea[07:27] Sponsor: Next Insurance[08:40] Creating business momentum before quitting a job[10:37] Prioritizing early traction for repeatable growth[13:04] Testing campaigns with minimum budgets[14:50] Callout[15:00] Scaling communication through relevant topics[21:00] Sponsor: Electric Eye[22:10] Creating a feedback loop through data analysis[23:01] Identifying unmet needs in your market[25:32] Prioritizing product quality over everything[27:26] Driving conversions before perfecting visualsResources:Subscribe to Honest Ecommerce on YoutubeMerino Wool Clothing & Apparel unboundmerino.com/Reach your best audience at the lowest cost! discover.taboola.com/honest/Easy, affordable coverage that grows with your business nextinsurance.com/honest/Schedule an intro call with one of our experts electriceye.io/connectIf you're enjoying the show, we'd love it if you left Honest Ecommerce a review on Apple Podcasts. It makes a huge impact on the success of the podcast, and we love reading every one of your reviews!

Dr. DebWhat if I told you that the stomach acid medication you’re taking for heartburn is actually causing the problem it’s supposed to solve that your doctor learned virtually nothing about nutrition, despite spending 8 years in medical school. That the very system claiming to heal you was deliberately designed over a hundred years ago by an oil tycoon, John D. Rockefeller, to create lifelong customers, not healthy people. Last week a patient spent thousands of dollars on tests and treatments for acid reflux, only to discover she needed more stomach acid, not less. The medication keeping her sick was designed to do exactly that. Today we’re exposing the greatest medical deception in modern history, how a petroleum empire systematically destroyed natural healing wisdom turned medicine into a profit machine. And why the treatments, keeping millions sick were engineered that way from the beginning. This isn’t about conspiracy theories. This is a documented history that explains why you feel so lost about your own body’s needs welcome back to let’s talk wellness. Now the show where we uncover the root causes of chronic illness, explore cutting edge regenerative medicine, and empower you with the tools to heal. I’m Dr. Deb. And today we’re diving into how the Rockefeller Medical Empire systematically destroyed natural healing wisdom and replaced it with profit driven systems that keeps you dependent on treatments instead of achieving true health. If you or someone you love has been running to the doctor for every minor ailment, taking acid blockers that seem to make digestive problems worse, or feeling confused about basic body functions that our ancestors understood instinctively. This episode is for you. So, as usual, grab a cup of coffee, tea, or whatever helps you unwind. Settle in and let’s get started on your journey to reclaiming your health sovereignty all right. So here we are talking about the Rockefeller Medical Revolution. Now, what if your symptoms aren’t true diagnosis, but rather the predictable result of a medical system designed over a hundred years ago to create lifelong customers instead of healthy people. Now I learned this when I was in naturopathic school over 20 years ago. And it hasn’t been talked about a lot until recently. Recently. People are exposing the truth about what actually happened in our medical system. And today I want to take you back to the early 19 hundreds to understand how we lost the basic health wisdom that sustained humanity for thousands of years. Yes, I said that thousands of years. This isn’t conspiracy theory. This is documented history. That explains why you feel so lost when it comes to your own body’s needs. You know by the turn of the 20th century. According to meridian health Clinic’s documentation. Rockefeller controlled 90% of all petroleum refineries in America and through ownership of the Standard Oil Corporation. But Rockefeller saw an opportunity that went far beyond oil. He recognized that petrochemicals could be the foundation for a completely new medical system. And here’s what most people don’t know. Natural and herbal medicines were very popular in America during the early 19 hundreds. According to Staywell, Copper’s historical analysis, almost one half of medical colleges and doctors in America were practicing holistic medicine, using extensive knowledge from Europe and native American traditions. People understood that food was medicine, that the body had natural healing mechanisms, and that supporting these mechanisms was the key to health. But there was a problem with the Rockefeller’s business plan. Natural medicines couldn’t be patented. They couldn’t make a lot of money off of them, because they couldn’t hold a patent. Petrochemicals, however, could be patented, could be owned, and could be sold for high profits. So Rockefeller and Andrew Carnegie devised a systematic plan to eliminate natural medicine and replace it with petrochemical based pharmaceuticals and according to E. Richard Brown’s comprehensive academic documentation in Rockefeller, medicine men. Medicine, and capitalism in America. They employed the services of Abraham Flexner, who proceeded to visit and assess every single medical school in us and in Canada. Within a very short time of this development, medical schools all around the us began to collapse or consolidate. The numbers are staggering. By 1910 30 schools had merged, and 21 had closed their doors of the 166 medical colleges operating in 19 0, 4, a hundred 33 had survived by 1910 and a hundred 4 by 1915, 15 years later, only 76 schools of medicine existed in the Us. And they all followed the same curriculum. This wasn’t just about changing medical education. According to Staywell’s copper historical analysis. Rockefeller and Carnegie influenced insurance companies to stop covering holistic treatments. Medical professionals were trained in the new pharmaceutical model and natural solutions became outdated or forgotten. Not only that alternative healthcare practitioners who wanted to stay practicing in alternative medicine were imprisoned for doing so as documented by the potency number 710. The goal was clear, create a system where scientists would study how plants cure disease, identify which chemicals in the plants were effective and then recreate a similar but not identical chemical in the laboratory that would be patented. E. Richard Brown’s documents. The story of how a powerful professional elite gained virtual homogeny in the western theater of healing by effectively taking control of the ethos and practice of Western medicine. The result, according to the healthcare spending data, the United States now spends 17.6% of its Gdp on health care 4.9 trillion dollars in 2023, or 14,570 per person nearly twice as much as the average Oecd country. But it doesn’t focus on cure. But on symptoms, and thus creating recurring clients. This systematic destruction of natural medicine explains why today’s healthcare providers often seem baffled by simple questions about nutrition why they immediately reach for a prescription medication for minor ailments, and why so many people feel disconnected from their own body’s wisdom. We’ve been trained over 4 generations to believe that our bodies are broken, and that symptoms are diseases rather than messages, and that external interventions are always superior to supporting natural healing processes. But here’s what they couldn’t eliminate your body’s innate wisdom. Your digestive system still functions the same way it did a hundred years ago. Your immune system still follows the same patterns. The principles of nutrition, movement and stress management haven’t changed. We’ve just forgotten how to listen and respond. We’re gonna take a small break here and hear from our sponsor. When we come back. We’re gonna talk about the acid reflux deception, and why your cure is making you sicker, so don’t go away all right, welcome back. So I want to give you a perfect example of how Rockefeller medicine has turned natural body wisdom upside down, the treatment of acid, reflux, and heartburn. Every single day in my practice I see patients who’ve been taking acid blocker medications, proton pump inhibitors like prilosec nexium or prevacid for years, not for weeks, years, and sometimes even decades. They come to me because their digestive problems are getting worse, not better. They have bloating and gas and nutrition deficiencies. And we’re seeing many more increased food sensitivities. And here’s what’s happening in the Us. Most people often attribute their digestive problems to too much stomach acid. And they use medications to suppress the stomach acid, but, in fact symptoms of chronic acid, reflux, heartburn, or gerd, can also be caused by too little stomach acid, a condition called hyper. Sorry hypochlorhydria normal stomach acid has a Ph level of one to 2, which is highly acidic. Hydrochloric acid plays an important role in your digestion and your immunity. It helps to break down proteins and absorb essential nutrients, and it helps control viruses and bacteria that might otherwise infect your stomach. But here’s the crucial part that most people don’t understand, and, according to Cleveland clinic, your stomach secretes lower amounts of hydrochloric acid. As you age. Hypochlorhydria is more common in people over the age of 40, and even more common over the age of 65. Webmd states that the stomach acid can produce less acid as a result of aging and being 65 or older is a risk factor for developing hypochlorhydria. We’ve been treating this in my practice for a long time. It’s 1 of the main foundations that we learn as naturopathic practitioners and as naturopathic doctors, and there are times where people need these medications, but they were designed to be used short term not long term in a 2,013 review published in Medical News today, they found that hypochlorhydria is the main change in the stomach acid of older adults. and when you have hypochlorydria, poor digestion from the lack of stomach, acid can create gas bubbles that rise into your esophagus or throat, carrying stomach acid with them. You experience heartburn and assume that you have too much acid. So you take acid blockers which makes the underlying problem worse. Now, here’s something that will shock you. PPI’s protein pump inhibitors were originally studied and approved by the FDA for short-term use only according to research published in us pharmacists, most cases of peptic ulcers resolve in 6 to 8 weeks with PPI therapy, which is what these medications were created for. Originally the American family physician reports that for erosive esophagitis. Omeprazole is indicated for short term 4 to 8 weeks. That’s it. Treatment and healing and done if needed. An additional 4 to 8 weeks of therapy may be considered and the University of Minnesota College of Pharmacy, States. Guidelines recommended a treatment duration of 8 weeks with standard once a day dosing for a PPI for Gerd. The Canadian family physician, published guidelines where a team of healthcare professionals recommended prescribing Ppis in adults who suffer from heartburn and who have completed a minimum treatment of 4 weeks in which symptoms were relieved. Yet people are taking these medications for years, even decades far beyond their intended duration of use and a study published in Pmc. Found that the threshold for defining long-term PPI use varied from 2 weeks to 7 years of PPI use. But the most common definition was greater than one year or 6 months, according to the research in clinical context, use of Ppis for more than 8 weeks could be reasonably defined as long-term use. Now let’s talk about what these acid blocker medications are actually doing to your body when used. Long term. The research on long term PPI use is absolutely alarming. According to the comprehensive review published in pubmed central Pmc. Long-term use of ppis have been associated with serious adverse effects, including kidney disease, cardiovascular disease fractures because you’re not absorbing your nutrients, and you’re being depleted. Infections, including C. Diff pneumonia, micronutrient deficiencies and hypomagnesium a low level of magnesium anemia, vitamin, b, deficiency, hypocalcemia, low calcium, low potassium. and even cancers, including gastric cancer, pancreatic cancer, colorectal cancer. And hepatic cancer and we are seeing all of these cancers on a rise, and we are now linking them back to some of these medications. Mayo clinic proceedings published research showing that recent studies regarding long-term use of PPI medication have noted potential adverse effects, including risks of fracture, pneumonia, C diff, which is a diarrhea. It’s a bacteria, low magnesium, low b 12 chronic kidney disease and even dementia. And a 2024 study published in nature communications, analyzing over 2 million participants from 5 cohorts found that PPI use correlated with increased risk of 15 leading global diseases, such as ischemic heart disease. Diabetes, respiratory infections, chronic kidney disease. And these associations showed dose response relationships and consistency across different PPI types. Now think about this. You take a medication for heartburn that was designed for 4 to 8 weeks of use, and when used long term, it actually increases your risk of life, threatening infections, kidney disease, and dementia. This is the predictable result of suppressing a natural body function that exists for important reasons. Hci plays a key role in many physiological processes. It triggers, intestinal hormones, prepares folate and B 12 for absorption, and it’s essential for absorption of minerals, including calcium, magnesium, potassium, zinc, and iron. And when you block acid production, you create a cascade of nutritional deficiencies and immune system problems that often manifest as seemingly unrelated health issues. So what’s the natural approach? Instead of suppressing stomach acid, we need to support healthy acid production and address the root cause of reflux healthcare. Providers may prescribe hcl supplements like betaine, hydrochloric acid. Bhcl is what it’s called. Sometimes it’s called betaine it’s often combined with enzymes like pepsin or amylase or lipase, and it’s used to treat hydrochloric acid deficiency, hypochlorhydria. These supplements can help your digestion and sometimes help your stomach acid gradually return back to normal levels where you may not need to use them all the time. Simple strategies include consuming protein at the beginning of the meal to stimulate Hcl production, consume fluids separately at least 30 min away from meals, if you can, and address the underlying cause like chronic stress and H. Pylori infections. This is such a sore subject for me. So many people walk around with an H. Pylori infection. It’s a bacterial infection in the stomach that can cause stomach ulcers, causes a lot of stomach pain and burning. and nobody is treating the infection. It’s a bacterial infection. We don’t treat this anymore with antibiotics or antimicrobials. We treat it with Ppis. But, Ppis don’t fix the problem. You have to get rid of the bacteria once the bacteria is gone, the gut lining can heal. Now it is a common bacteria. It can reoccur quite frequently. It’s highly contagious, so you can pick it up from other people, and it may need multiple courses of treatment over a person’s lifetime. But you’re actually treating the problem. You’re getting rid of the bacteria that’s creating the issue instead of suppressing the acid. That’s not fixing the bacteria which then leads to a whole host of other problems that we just talked about. There are natural approaches to increase stomach acid, including addressing zinc deficiency. And since the stomach uses zinc to produce Hcl. Taking probiotics to help support healthy gut bacteria and using digestive bitters before meals can be really helpful. This is exactly what I mean about reclaiming the body’s wisdom. Instead of suppressing natural functions, we support them instead of creating drug dependency, we restore normal physiology. Instead of treating symptoms indefinitely, we address the root cause and help the body heal itself. In many cultures. Bitters is a common thing to use before or after a meal. But yet in the American culture we don’t do that anymore. We’ve not passed on that tradition. So very few people understand how to use bitters, or what bitters are, or why they’re important. And these basic things that can be used in your food and cooking and taking could replace thousands of dollars of medication that you don’t really need. That can create many more problems along the way. Now, why does your doctor know nothing about nutrition. Well, I want to address something that might shock you all. The reason your doctor seems baffled when you ask about nutrition isn’t because they’re not intelligent. It’s because they literally never learned this in medical school statistics on nutritional education in medical schools are staggering and help explain why we have such a health literacy crisis in America. According to recent research published in multiple academic journals, only 27% of Us. Medical schools actually offer students. The recommended 25 h of nutritional training across 4 years of medical school. That means 73% of the medical schools don’t even meet the minimum standards set in 1985. But wait, it gets worse. A 2021 survey of medical schools in the Us. And the Uk. Found that most students receive an average of only 11 h of nutritional training throughout their entire medical program. and another recent study showed that in 2023 a survey of more than a thousand Us. Medical students. About 58% of these respondents said they received no formal nutritional education while in medical school. For 4 years those who did averaged only 3 h. I’m going to say this again because it’s it’s huge 3 h of nutritional education per year. So let me put this in perspective during 4 years of medical school most students spend fewer than 20 h on nutrition that’s completely disproportionate to its health benefits for patients to compare. They’ll spend hundreds of hours learning about pharmaceutical interventions, but virtually no time learning how food affects health and disease. Now, could this be? Why, when we talk about nutrition to lower cholesterol levels or control your diabetes, they blow you off, and they don’t answer you. It’s because they don’t understand. But yet what they’ll say is, people won’t change their diet. That’s why you have to take medication. That’s not true. I will tell you. I work with people every single day who are willing to change their diet. They’re just confused by all the information that’s out there today about nutrition. And what diet is the right diet to follow? Do I do, Paleo? Do I do? Aip? Do I do carnivore? Do I do, Keto? Do I do? Low carb? There’s so many diets out there today? It’s confusing people. So I digress. But let’s go back. So here’s the kicker. The limited time medical students do spend on nutrition office often focuses on nutrients think proteins and carbohydrates rather than training in topics such as motivational interviewing or meal planning, and as one Stanford researcher noted, we physicians often sound like chemists rather than counselors who can speak with patients about diet. Isn’t that true? We can speak super high level up here, but we can’t talk basics about nutrition. And this explains why only 14% of the physicians believe they were adequately trained in nutritional counseling. Once they entered practice and without foundational concepts of nutrition in undergrad work. Graduate medical education unsurprisingly falls short of meeting patients, needs for nutritional guidance in clinical practice, and meanwhile diet, sensitive chronic diseases continue to escalate. Although they are largely preventable and treatable by nutritional therapies and dietary. Lifestyle changes. Now think about this. Diet. Related diseases are the number one cause of death in the Us. The number one cause. Yet many doctors receive little to no nutritional education in medical school, and according to current health statistics from 2017 to march of 2020. Obesity prevalence was 19.7% among us children and adolescents affecting approximately 14.7 million young people. About 352,000 Americans, under the age of 20, have been diagnosed with diabetes. Let me say this again, because these numbers are astounding to me. 352,000 Americans, under the age of 20, have been diagnosed with diabetes with 5,300 youth diagnosed with type, 2 diabetes annually. Yet the very professionals we turn to for health. Guidance were never taught how food affects these conditions and what drug has come to the rescue Glp. One S. Ozempic wegovy. They’re great for weight loss. They’re great for treating diabetes. But why are they here? Well, these numbers are. Why, they’re here. This is staggering to put 352,000 Americans under the age of 20 on a glp, one that they’re going to be on for the rest of their lives at a minimum of $1,200 per month. All we have to do is do the math, you guys, and we can see exactly what’s happening to our country, and who is getting rich, and who is getting the short end of the stick. You’ve become a moneymaker to the pharmaceutical industry because nobody has taught you how to eat properly, how to live, how to have a healthy lifestyle, and how to prevent disease, or how to actually reverse type 2 diabetes, because it’s reversible in many cases, especially young people. And we do none of that. All we do is prescribe medications. Metformin. Glp, one for the rest of your life from 20 years old to 75, or 80, you’re going to be taking medications that are making the pharmaceutical companies more wealth and creating a disease on top of a disease on top of a disease. These deficiencies in nutritional education happen at all levels of medical training, and there’s been little improvement, despite decades of calls for reform. In 1985, the National Academy of Sciences report that they recommended at least 25 h of nutritional education in medical school. But a 2015 study showed only 29% of medical schools met this goal, and a 2023 study suggests the problem has become even worse. Only 7.8% of medical students reported 20 or more hours of nutritional education across all 4 years of medical school. This systemic lack of nutrition, nutritional education has been attributed to several factors a dearth of qualified instructors for nutritional courses, since most physicians do not understand nutrition well enough to teach it competition for curriculum time, with schools focusing on pharmaceutical interventions rather than lifestyle medicine and a lack of external incentives that support schools, teaching nutrition. And ironically, many medical schools are part of universities that have nutrition departments with Phd. Trained professors who could fill this gap by teaching nutrition in medical schools but those classes are often taught by physicians who may not have adequate nutritional training themselves. This explains so much about what I see in my practice. Patients come to me confused and frustrated because their primary care doctors can’t answer basic questions about how food affects their health conditions. And these doctors aren’t incompetent. They simply were never taught this information. And the result is that these physicians graduate, knowing how to prescribe medications for diabetes, but not how dietary changes can prevent or reverse it. They can treat high blood pressure with pharmaceuticals, but they may not know that specific nutritional approaches can be equally or more effective. This isn’t the doctor’s fault. It’s the predictable result of medical education systems that was deliberately designed to focus on patentable treatments rather than natural healing approaches. And remember this traces back to the Rockefeller influence on medical education. You can’t patent an apple or a vegetable. But you can patent a drug now. Why can’t we trust most medical studies? Well this just gets even better. I need to address something that’s crucial for you to understand as you navigate health information. Why so much of the medical research you hear about in the news is biased, and why peer Review isn’t the gold standard of truth you’ve been told it is. The corruption in medical research by pharmaceutical companies is not a conspiracy theory. It’s well documented scientific fact, according to research, published in frontiers, in research, metrics and analytics. When pharmaceutical and other companies sponsor research, there is a bias. A systematic tendency towards results serving their interests. But the bias is not seen in the formal factors routinely associated with low quality science. A Cochrane Review analyzed 75 studies of the association between industry, funding, and trial results, and these authors concluded that trials funded by a drug or device company were more likely to have positive conclusions and statistically significant results, and that this association could not be explained by differences in risk of bias between industry and non-industry funded trials. So think about that. According to the Cochrane collaboration, industry funding itself should be considered a standard risk of bias, a factor in clinical trials. Studies published in science and engineering ethics show that industry supported research is much more likely to yield positive outcomes than research with any other sponsorship. And here’s how the bias gets introduced through choice of compartor agents, multiple publications of positive trials and non-publication of negative trials reinterpreting data submitted to regulatory agencies, discordance between results and conclusions, conflict of interest leading to more positive conclusions, ghostwriting and the use of seating trials. Research, published in the American Journal of Medicine. Found that a result favorable to drug study was reported by all industry, supported studies compared with two-thirds of studies, not industry, supported all industry, supported studies showed favorable results. That’s not science that’s marketing, masquerading as research. And according to research, published in sciencedirect the peer review system which we’re told ensures quality. Science has a major limitation. It has proved to be unable to deal with conflicts of interest, especially in big science contexts where prestigious scientists may have similar biases and conflicts of interest are widely shared among peer reviewers. Even government funded research can have conflicts of interest. Research published in pubmed States that there are significant benefits to authors and investigators in participating in government funded research and to journals in publishing it, which creates potentially biased information that are rarely acknowledged. And, according to research, published in frontiers in research, metrics, and analytics, the pharmaceutical industry has essentially co-opted medical knowledge systems for their particular interests. Using its very substantial resources. Pharmaceutical companies take their own research and smoothly integrate it into medical science. Taking advantage of the legitimacy of medical institutions. And this corruption means that much of what passes for medical science is actually influenced by commercial interests rather than pursuant of truth. Research published in Pmc. Shows that industry funding affects the results of clinical trials in predictable directions, serving the interests of the funders rather than the patients. So where can we get this reliable, unbiased Health information, because this is critically important, because your health decisions should be based on the best available evidence, not marketing disguised as science. And so here are some sources that I recommend for trustworthy health and nutritional information. They’re independent academic sources. According to Harvard Chan School of public health their nutritional, sourced, implicitly states their content is free from industry, influence, or support. The Linus Pauling Institute, Micronutrient Information Center at Oregon State University, which, according to the Glendale Community college Research Guide provides scientifically accurate information about vitamins, minerals, and other dietary factors. This Institute has been around for decades. I’ve used it a lot. I’ve gotten a lot of great information from them. Very, very trustworthy. According to the Glendale Community College of Nutrition Resource guide Tufts, University of Human Nutritional Research Center on aging is one of 6 human nutrition research centers supported by the United States Department of Agriculture, the Usda. Their peer reviewed journals with strong editorial independence though you must still check funding resources. And how do you evaluate this information? Online? Well, according to medlineplus and various health literacy guides when evaluating health information medical schools and large professional or nonprofit organizations are generally reliable sources, but remember, it is tainted by the Rockefeller method. So, for example, the American College of cardiology. Excuse me. Professional organization and the American Heart Institute a nonprofit are both reliable sources. Sorry about that of information on heart health and watch out for ads designed to look like neutral health information. If the site is funded by ads they should be clearly marked as advertisements. Excuse me, I guess I’m talking just a little too much now. So when the fear of medicine becomes deadly. Now, I want to address something critically important that often gets lost in conversations about health, sovereignty, and questioning the medical establishment. And while I’ve spent most of this episode explaining how the Rockefeller medical system has created dependency and suppressed natural healing wisdom. There’s a dangerous pendulum swing happening that I see in my practice. People becoming so fearful of pharmaceutical interventions that they refuse lifesaving treatments when they’re genuinely needed. This is where balance and clinical judgment become absolutely essential. Yes, we need to reclaim our basic health literacy and reduce our dependency on unnecessary medical interventions. But there are serious bacterial infections that require immediate antibiotic treatment, and the consequences of avoiding treatment can be devastating or even fatal. So let me share some examples from research that illustrate when antibiotic fear becomes dangerous. Let’s talk about Lyme disease, and when natural approaches might not be enough. The International Lyme Disease Association ilads has conducted extensive research on chronic lyme disease, and their findings are sobering. Ileds defines chronic lyme disease as a multi-system illness that results from an active and ongoing infection of pathogenic members of the Borrelia Brdorferi complex. And, according to ilads research published in their treatment guidelines, the consequences of untreated persistent lyme infection far outweigh the potential consequences of long-term antibiotic therapy in well-designed trials of antibiotic retreatment in patients with severe fatigue, 64% in the treatment arm obtained clinically significant and sustained benefit from additional antibiotic therapy. Ilas emphasizes that cases of chronic borrelia require individualized treatment plans, and when necessary antibiotic therapy should be extended their research demonstrates that 20 days of prophylactic antibiotic treatment may be highly effective for preventing the onset of lyme disease. After known tick bites and patients with early Lyme disease may be best served by receiving 4 to 6 weeks of antibiotic therapy. Research published in Pmc. Shows that patients with untreated infections may go on to develop chronic, debilitating, multisystem illnesses that is difficult to manage, and numerous studies have documented persistent Borrelia, burgdorferi infection in patients with persistent symptoms of neurological lyme disease following short course. Antibiotic treatment and animal models have demonstrated that short course. Antibiotic therapy may fail to eradicate lyme spirochetes short course is a 1 day. One pill treatment of doxycycline. Or less than 20 days of antibiotics, is considered a short course. It’s not long enough to kill the bacteria. The bacteria’s life cycle is about 21 days, so if you don’t treat the infection long enough, the likelihood of that infection returning is significant. They’ve also done studies in the petri dish, where they show doxycycline being put into a petri dish with active lyme and doxycycline does not kill the infection, it just slows the replication of it. Therefore, using only doxycycline, which is common practice in lyme disease may not completely eradicate that infection for you. So let’s talk about another life threatening emergency. C. Diff clostridia difficile infection, which represents another example where antibiotic treatment is absolutely essential, despite the fact that C diff itself is often triggered by antibiotic use. According to Cleveland clinic C. Diff is estimated to cause almost half a million infections in the United States each year, with 500,000 infections, causing 15,000 deaths each year. Studies reported by Pmc. Found thirty-day Cdi. Mortality rates ranging from 6 to 11% and hospitalized Cdi patients have significantly increased the risk of mortality and complications. Research published in Pmc shows that 16.5% of Cdi patients experience sepsis and that this increases with reoccurrences 27.3% of patients with their 1st reoccurrence experience sepsis. While 33.1% with 2 reoccurrences and 43.2% with 3 or more reoccurrences. Mortality associated with sepsis is very high within hospital 30 days and 12 month mortality rates of 24%, 30% and 58% respectively. According to the Cdc treatment for C diff infection usually involves taking a specific antibiotic, such as vancomycin for at least 10 days, and while this seems counterintuitive, treating an antibiotic associated infection with more antibiotics. It’s often lifesaving. Now let’s talk about preventing devastating complications. Strep throat infections. Provide perhaps the clearest example of when antibiotic treatment prevents serious long-term consequences, and, according to Mayo clinic, if untreated strep throat can cause complications such as kidney inflammation and rheumatic fever. Rheumatic fever can lead to painful and inflamed joints, and a specific type of rash of heart valve damage. We also know that strep can cause pans pandas, which is a systemic infection, often causing problems with severe Ocd. And anxiety and affecting mostly young people. The research is unambiguous. According to the Cleveland clinic. Rheumatic fever is a rare complication of untreated strep, throat, or scarlet fever that most commonly affects children and teens, and in severe cases it can lead to serious health problems that can affect your child’s heart. Joints and organs. And research also shows that the rate of development of rheumatic fever in individuals with untreated strep infections is estimated to be 3%. The incidence of reoccurrence with a subsequent untreated infection is substantially greater. About 50% the rate of development is far lower in individuals who have received antibiotic treatment. And according to the World health organization, rheumatic heart disease results from the inflammation and scarring of the heart valves caused by rheumatic fever, and if rheumatic fever is not treated promptly, rheumatic heart disease may occur, and rheumatic heart disease weakens the valves between the chambers of the heart, and severe rheumatic heart disease can require heart surgery and result in death. The who states that rheumatic heart disease remains the leading cause of maternal cardiac complications during pregnancy. And additionally, according to the National Kidney foundation. After your child has either had throat or skin strep infection, they can develop post strep glomerial nephritis. The Strep bacteria travels to the kidneys and makes the filtering units of the kidneys inflamed, causing the kidneys to be able to unable or less able to fill and filter urine. This can develop one to 2 weeks after an untreated throat infection, or 3 to 4 weeks after an untreated skin infection. We need to find balance. And here’s what I want you to understand. Questioning the medical establishment and developing health literacy doesn’t mean rejecting all medical interventions. It means developing the wisdom to know when they’re necessary and lifesaving versus when they’re unnecessary and potentially harmful. When I see patients with confirmed lyme disease, serious strep infections or life. Threatening conditions like C diff. I don’t hesitate to recommend appropriate therapy but I also work to support their overall health address, root causes, protect and restore their gut microbiome and help them recover their natural resilience. The goal isn’t to avoid all medical interventions. It’s to use them wisely when truly needed, while simultaneously supporting your body’s inherent healing capacity and addressing the lifestyle factors that created the vulnerability. In the 1st place. All of this can be extremely overwhelming, and it can be frightening to understand or learn. But remember, the power that you have is knowledge. The more you learn about what’s actually happening in your health, in understanding nutrition. in learning what your body wants to be fed, and how it feels, and working with practitioners who are holistic in nature, natural, integrative, functional, whatever we want to call that these days. The more you can learn from them, the more control you have over your own health and what I would urge you to do is to teach your children what you’re learning. Teach them how to live a healthy lifestyle, teach them how to keep a clean environment. This is how we take back our own health. So thank you for joining me today on, let’s talk wellness. Now, if this episode resonated with you. Please share it with someone who could benefit from understanding how the Rockefeller medical system has shaped our approach to health, and how to reclaim your body’s wisdom while using medical care appropriately when truly needed. Remember, wellness isn’t just about feeling good. It’s about understanding your body, trusting its wisdom, supporting its natural healing capacity, and knowing when to seek appropriate medical intervention. If you’re ready to explore how functional medicine can help you develop this deeper health knowledge while addressing root causes rather than just managing symptoms. You can get more information from serenityhealthcarecenter.com, or reach out directly to us through our social media channels until next time. I’m Dr. Dab, reminding you that your body is your wisest teacher. Learn to listen, trust the process, use medical care wisely when needed, and take care of your body, mind, and spirit. Be well, and we’ll see you on the next episode.The post Episode 250 -The Great Medical Deception first appeared on Let's Talk Wellness Now.

Tune into this episode where you'll hear of the chilling hauntings happening in Pittsburgh, Pennsylvania's libraries. Check out our YouTube for the full ghost hunting experience or immerse yourself through the paranormal audio experience here! Join us we uncover the secrets behind Pittsburgh's libraries! We uncover tales behind the Carnegie Library in Homestead and the Main Carnegie Library branch in Oakland. Who is behind these hauntings? Could it be Andrew Carnegie? A spectral electrician? A judge? Tune in to find out!Please follow us or subscribe to stay up-to-date with every episode!Please rate us 5 stars and review us on your preferred podcast streaming service, it really helps!Follow us on Instagram: @TheMysteryFiles_Merchandise: https://www.bonfire.com/store/the-mystery-files-podcast/Produced by Logan LaMaster, Tiffany Walker, and Benjamin Volk.Edited by Tiffany WalkerTheme Music by Benjamin Volk linktree.com/themysteryfiles#paranormal #Pittsburgh #ghosthunting #themysteryfiles #mysteryfiles #Pittsburghhauntings #pennsylvania

Eugenics and Philanthropy traces how elite philanthropy helped turn population control from an openly coercive ideology into a polished system of policy, metrics, and “care.” Beginning with early American eugenics, the episode follows the money and institutions that reframed social problems as biological ones and elevated experts to manage reproduction, poverty, and dependency from the top down. What once relied on laws and quotas evolved into benchmarks, grants, and administrative pressure, with accountability consistently pushed onto those closest to the harm.This investigation connects figures like Andrew Carnegie and the foundations he inspired to research centers, courts, and modern development pipelines. It examines how ideas about “fitness” were laundered through science, law, and later humanitarian language, migrating from heredity labs to health systems and development programs. Along the way, it exposes how narrative funding, litigation engines, and international bodies normalize outcomes while insulating architects from responsibility.Email: thefacthunter@mail.comWebsite: https://www.thefacthunter.comSubStack: https://substack.com/@thefacthunterShow Notes:Anti-Semites https://x.com/seethroughit2/status/2000612792794034370?s=20 Fake News Pro-Palestine https://x.com/bennyjohnson/status/2000587471667560664?s=20 Rabbi Kaploun https://x.com/Megatron_ron/status/2000624202202718649?s=20 Costs of War https://costsofwar.watson.brown.edu Google trends  https://x.com/RealFactHunter/status/2000647417708863831?s=20Carnegie 990: https://projects.propublica.org/nonprofits/organizations/131628151

Andrew Carnegie names his price. J.P. Morgan accepts. In a single moment, a poor Scottish immigrant becomes the richest man in the world. But that is just the beginning of Andrew Carnegie's story. 00:00 The Historic Deal: Carnegie and Morgan 02:50 Introduction to Part Two: Carnegie's Early Success 08:00 Navigating Recessions and Strategic Acquisitions 14:28 Labor Relations and Strikes 22:32 Carnegie's Reputation and Industry Dominance 30:39 Carnegie's Philanthropic Beginnings 31:45 The Sale to JP Morgan and US Steel Formation 40:54 Carnegie's Efforts for Peace and Anti-Colonialism 45:39 The Impact of World War I on Carnegie 47:33 Key Takeaways from Carnegie's Life 50:50 Conclusion ---- Sponsors:⁠ David Senra Podcast ⁠⁠Zashi Wallet⁠⁠ Speechify⁠ The Classical Society ---- Sources:⁠ Autobiography of Andrew Carnegie⁠⁠ Andrew Carnegie by David Nasaw

The rise of Andrew Carnegie from a poor Scottish weaver's boy to becoming an American millionaire.00:00 Introduction 03:00 Carnegie's Early Life and Inspirations 07:50 Coming to America 12:00 The Power of Self-Education 28:15 Becoming a Capitalist: The Adams Express Investment 36:30 Rapid Rise in the Railroad Industry 42:15 Carnegie's Role in the Civil War 50:30 Carnegie's Business Philosophy and Networking 56:15 Final Reflections and Takeaways----Sponsors:David Senra PodcastZashi WalletSpeechify----Sources:Autobiography of Andrew CarnegieAndrew Carnegie by David Nasaw

Andrew Carnegie was the father of American steel, but he established his legacy with his second act: donating funds to create libraries across the country. In Florida, few remain, but each tell a story for the community in which they were built. Pick up your copy of FLORIDA! right here! Thank you to Chelsea Rice for her incredible design of our logo! Follow Chelsea on Instagram here! Read more about Carnegie and his foundation here.   I do not own the right to the clips used in this episode. Watch the original video below. The American Adventure - EPCOT Attraction 2023   Besides the above clip, all music was originally composed.

Elon Musk is arguably the world's richest man, and he has given away roughly $7 BILLION. He's given MORE money away than railroad tycoon Andrew Carnegie who, adjusted for inflation to today's dollars, managed to amass a fortune of only $6.9 BILLION. But there's a HUGE difference in the percentage of each man's overall wealth that they have given away. Elon Musk has given away 1.4% - but Andrew Carnegie gave away more than 90%. WHO was more generous? And why is it that we tend to judge generosity in porportion to what someone has? In this message, Max Vanderpool makes a case for why it NEVER really matters the amount of money you give away - whether it's $5 or $5 MILLION. Because, as Jesus tells it, money and hearts are linked.

Luke Kemp, author of Goliath's Curse, explores why civilizations fall, what history gets wrong about collapse, and how distributed, cooperative societies have often thrived where empires failed.Names referenced in this episode:Jan Talon, Elon Musk, Genghis Khan, Niccolò Machiavelli, Andrew Carnegie, Francis Bacon, Harvey Whitehouse, Benedict Anderson, Audrey Tang, Edward Teller, Steve Bannon, Andrew Cuomo, Rudy Giuliani, Lot (biblical figure), King Tut, Jacob (biblical patriarch), Noah Yuval HarariTeam Human is proudly sponsored by Everyone's Earth.Learn more about Everyone's Earth: https://everyonesearth.com/Change Diapers: https://changediapers.com/Cobi Dryer Sheets: https://cobidryersheets.com/Use the code “rush10” to receive 10% off of Cobi Dryer sheets: https://cobidryersheets.com/Support Team Human on Patreon: https://www.patreon.com/teamhumanFollow Team Human with Douglas Rushkoff:Instagram: https:/www.instagram.com/douglasrushkoffBluesky: https://bsky.app/profile/rushkoff.comGet bonus content on Patreon: patreon.com/teamhuman Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See acast.com/privacy for more information.

In this episode of The Russell Brunson Show, I take you inside my collection to talk about one of the most influential men in history… Andrew Carnegie. At one time, he was the richest man in the world, and his ideas shaped generations of entrepreneurs and thinkers, including Napoleon Hill. I share some rare books and artifacts from Carnegie, including a signed copy of Around the World and a first edition of The Gospel of Wealth. But more importantly, I unpack the lessons from The Gospel of Wealth, an essay that had the biggest impact on me from Carnegie's work. He believed that dying rich was a disgrace, and that wealth should be used to build opportunities for others, not just handed down. I contrast his philosophy with Ayn Rand's views, and talk about how those ideas play out in business today, especially when it comes to philanthropy, profits, and building something that lasts. Key Highlights: How Andrew Carnegie influenced Napoleon Hill and Think and Grow Rich The core message of The Gospel of Wealth and why it matters today How I realized Ayn Rand's philosophy and Carnegie's approach to giving were actually similar and not contradicting each other Why charity tied to strong offers works better than guilt-driven giving Lessons from Carnegie, Rockefeller, and Vanderbilt on building generational wealth By the end, you'll see why Carnegie's vision for wealth still applies to entrepreneurs today, and how you can use these lessons in your own business and life. And if you want my notes from this essay, you can find them below! ⁠⁠⁠⁠⁠⁠⁠⁠http://russellbrunson.com/notes⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://sellingonline.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://clickfunnels.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

How did a man who crushed unions in Gilded Age America come to see himself as humanity's benefactor? Speaking to Elinor Evans, historian and biographer David Nasaw explores the many contradictions of 19th-century industrialist Andrew Carnegie's life. From his ruthless business tactics and controversial role in the violent 1892 Homestead Strike, to his reinvention as a pioneering philanthropist and self-declared enemy of war, they uncover how Carnegie shaped the age of steel – and struggled to reconcile capitalism with conscience. The HistoryExtra podcast is produced by the team behind BBC History Magazine. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this vault episode of The Russell Brunson Show, I share one of the rarest book sets I've ever purchased: Allen's Working Plan, written by Irving Allen nearly a decade before Napoleon Hill published The Law of Success. This ten-volume set was sold through direct mail in the early 1900's, and it gives us a fascinating look at what business leaders and marketers were studying long before Hill's ideas took off. I'll tell the story of how I discovered this set, why I paid $30,000 for it, and what makes it such a powerful piece of history. You'll also hear the lessons that stood out most to me… Lessons that still apply today if you want to seize opportunities, build confidence, and lead others. Key Highlights: How optimism, positivity, and even a healthy ego give entrepreneurs the edge to lead and win The Andrew Carnegie quote that explains why belief in yourself (even in private) is critical for success The concept of “cycling” instead of failure, and why great entrepreneurs must go through it The balance between humility outwardly and the inner belief that you're superior when competing in business This book reminded me that success isn't just about tactics. It's about mindset! The daily recognition of opportunity, the willingness to stay humble, and the inner drive to believe you can win. These timeless lessons gave me clarity and fuel for my own journey, and I think they can do the same for you. If you want my full notes on Allen's Working Plan, including the best takeaways from each booklet, go to russellbrunson.com/notes to grab them for free!! ⁠⁠⁠⁠⁠⁠⁠http://russellbrunson.com/notes⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://sellingonline.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://clickfunnels.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

 Elon Musk is easily the equivalent of Henry Ford, Cornelius Vanderbilt, Andrew Carnegie or JP Morgan. A remarkable man with remarkable accomplishments but also with three fatal flaws.  What are they and what lies behind them?  How you can today improve your ability to foresee the future.  Here is our free ebook download-get yours now  www.wehappywarriors.com/boost-your-income  Elon is fully financially supporting his 14 children, so what's the problem?  Learn more about your ad choices. Visit megaphone.fm/adchoices

Author Evan Osnos joins Joanna Coles to parse the twisted games the world's wealthiest play with and aboard their crazy expensive yachts. As tech billionaires like Jeff Bezos and Mark Zuckerberg snap up megayachts, Osnos, author of 'The Haves and Have-Yachts,' unpacks what these floating palaces reveal about a seismic shift in American wealth and power. He explains why Donald Trump shut down the KleptoCapture task force, how oligarch envy shapes Trump's worldview, and what it means that he once owned a Saudi arms dealer's yacht—but hated being on it. From Adnan Khashoggi to Elon Musk, Osnos traces the rise of ostentatious wealth, the decline of discretion, and why the modern billionaire isn't satisfied with private jets—they also want political control. Plus, how Musk crossed a line even Andrew Carnegie didn't, and why Americans may finally be waking up to a new, gilded threat. Hosted on Acast. See acast.com/privacy for more information.