Podcasts about boomers

Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week.
 On this episode of Dentist Money's Two Cents, Jake, Will, Lauren, and Rabih talk about what the best investment of 2025 really was and why staying invested matters more than timing the market. Then they discuss why boomers tend to have less retirement savings than millennials, unpacking the shift from pensions to 401(k)s, the lasting impact of the Great Recession, and how automatic enrollment and modern investing tools may give younger generations a long-term edge. Finally, they explore commonalities between dentistry and college football as private equity enters both spaces. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

In this week's episode of The Wrap, Chris Whalen breaks down President Trump's Davos speech, noting that despite promises on housing affordability, the administration has no real plan to lower prices — and Trump explicitly said he doesn't want home prices to fall. Chris explains why that won't matter: hot markets like San Diego and Florida are already cooling, and he predicts a significant correction by 2028 that could push prices back to 2020-21 levels, leaving every mortgage made since COVID underwater. He warns that Trump will "run the economy hot" to win the midterms, with consequences to pay afterward. On rates, Chris explains why long-term yields keep rising despite Fed cuts and what happens if a new Fed chairman loses an FOMC vote. He also discusses gold's march toward $5,000, calling it "the return of gold" as central banks worldwide reverse 70 years of policy, and weighs in on the FDIC's approval of Ford and GM to establish deposit-taking banks.Links:    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/  https://www.theinstitutionalriskanalyst.com/post/theira802Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/   Timestamps:0:00 Welcome and intro 0:50 Trump at Davos: Greenland walkback and housing 2:55 The two sides of housing: Owners vs. buyers 4:00 401(k) withdrawals for down payments — does it help? 5:00 Why stoking demand pushes prices higher 6:17 Hot markets cool first: San Diego, Florida, Carolinas 7:58 Demographics and housing: Boomers vs. millennials 8:37 Rate cuts coming and the 2028 correction 9:35 What happens if prices fall 20%? Every post-COVID loan underwater10:10 Signs to watch for a broader market shift in 2026 12:36 Why long-term rates rise when the Fed cuts 14:15 How lenders are feeling right now 15:14 Gold closing in on $5,000 16:28 Trump will run the economy hot for the midterms 18:05 You pay for it after the election 18:51 What if the new Fed chair loses an FOMC vote? 21:00 What should the Fed actually be doing? 22:45 The asymmetry of gold and silver investments 26:32 The return of gold: Central banks reverse 70 years of policy 27:06 Peter Schiff's crisis call — does Chris buy it? 28:36 FDIC approves Ford and GM banks — what it means 32:46 Viewer mail: Gold as a hedge for real estate 33:45 Viewer mail: Stable coins debate 35:30 Closing

The guys break down Rams–Seahawks, debating Sam Darnold vs. Matthew Stafford, Seattle's all-time defense, and whether this is the best DVOA matchup in playoff history. They then turn to Patriots-Broncos and Jarrett Stidham starting an AFC championship game, unpacking Sean Payton chaos, quarterback vibes, and why this postseason keeps getting stranger. (00:00) Intro (01:33) NFC Championship: Rams at Seahawks (06:47) Will Sam Darnold Go Full Stroud? (31:08) AFC Championship: Patriots at Broncos (49:27) Ringer 107 Picks (44:35) Titans Hire Robert Saleh as Head Coach (49:41) Dolphins Hire Jeff Hafley as Head Coach (54:07) News (01:09:37) Emails Discord link: https://discord.gg/Ge8bbYHrau Check out the 2025 Ringer Fantasy Football Rankings: https://fantasyfootball.theringer.com/ Email us! ringerfantasyfootball@gmail.com The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Hosts: Danny Heifetz, Danny Kelly, and Craig Horlbeck Producers: Kai Grady, Carlos Chiriboga, and Cameron Dinwiddie Learn more about your ad choices. Visit podcastchoices.com/adchoices

[original post: Against Against Boomers] Before getting started: First, I wish I'd been more careful to differentiate the following claims: Boomers had it much easier than later generations. The political system unfairly prioritizes Boomers over other generations. Boomers are uniquely bad on some axis like narcissism, selfishness, short-termism, or willingness to defect on the social contract. Anti-Boomerism conflates all three of these positions, and in arguing against it, I tried to argue against all three of these positions - I think with varying degrees of success. But these are separate claims that could stand or fall separately, and I think a true argument against anti-Boomerists would demand they declare explicitly which ones they support - rather than letting them switch among them as convenient - then arguing against whichever ones they say are key to their position. Second, I wish I'd highlighted how much of this discussion centers around disagreements over which policies are natural/unmarked vs. unnatural/marked. Nobody is passing laws that literally say "confiscate wealth from Generation A and give it to Generation B". We're mostly discussing tax policy, where Tax Policy 1 is more favorable to old people, and Tax Policy 2 is more favorable to young people. If you're young, you might feel like Tax Policy 1 is a declaration of intergenerational warfare where the old are enriching themselves at young people's expense. But if you're old, you might feel like reversing Tax Policy 1 and switching to Tax Policy 2 would be intergenerational warfare confiscating your stuff. But in fact, they're just two different tax policies and it's not obvious which one a fair society with no "intergenerational warfare" would have, even assuming there was such a thing. We'll see this most clearly in the section on housing, but I'll try to highlight it whenever it comes up. I'm in a fighty frame of mind here and probably defend the Boomers (and myself) in these responses more than I would in an ideal world. Anyway, here are your comments. Table Of Contents: 1: Top comments I especially want to highlight 2: Comments about housing policy 3: ...about culture 4: ...about social security technicalities 5: What are we even doing here? 6: Other comments https://www.astralcodexten.com/p/highlights-from-the-comments-on-boomers

The social contract is broken. Boomers keep getting bailed out while Millennials and Gen Z are told to buy bonds that yield less than inflation. Tyler Neville from Muddy Waters Capital and co-host of Forward Guidance, breaks down why traditional markets feel rigged, where real growth is happening, and what needs to happen for Bitcoin to break through $100K.In this episode:+ Why traditional markets feel rigged and the 60/40 portfolio is dead+ Frontiers to invest in: AI, space, energy, nuclear, and crypto+ How interest rates and bond volatility affect crypto+ What Bitcoin needs for new highs and the next mega bid for crypto------

Does the American dream exist for Gen Z the same way it existed for Boomers? Host of ‘The Wade Show with Wade,' Wade Stotts joins Will to discuss the collapse of the "American Dream," explaining how a combination of factors such as the decline of college education, an over-reliance on foreign labor, and poor policy decisions have pushed prosperity out of reach for many, even if they do everything right. And why there can still be hope for the future. Plus, FOX News Senior Correspondent Mike Tobin sits down to share the story of his climb to the top of Mt. Everest, as documented in the new FOX Nation special ‘Everest: Journey to the Top of the World.'   Subscribe to ‘Will Cain Country' on YouTube here: ⁠⁠⁠⁠Watch Will Cain Country!⁠⁠ Follow ‘Will Cain Country' on X (⁠⁠@willcainshow⁠⁠), Instagram (⁠⁠@willcainshow⁠⁠), TikTok (⁠⁠@willcainshow⁠⁠), and Facebook (⁠⁠@willcainnews⁠⁠) Follow Will on X: ⁠⁠⁠⁠⁠⁠⁠⁠@WillCain Learn more about your ad choices. Visit podcastchoices.com/adchoices

In the latest episode of The Fleet Success Show, Marc Canton, former fleet manager and RTA's VP of Product & Consulting, and Tony Yankovich, former fleet asset manager and RTA's Fleet Consulting Group Director, talk about a major shift happening in the fleet industry: the renewed drive for education, training, and clear paths for career advancement. For the growing number of people attending industry conferences, to mechanics wondering how to move up the ladder to become shop supervisors, today's fleet professionals aren't waiting around to get promoted. They're taking the initiative to go hunting for the knowledge they know they need in order to grow. Marc and Tony dive into:Why the technician-to-manager pipeline is broken, and how we can start to rebuild it. How younger fleet pros don't just want growth, training, and mentorship. They expect it. The frustrating lack of formal degrees and higher education options for fleet professionals.Real examples of fleets turning to external training and coaching options (like NAFA and RTA Connect) to fill the education gap.What needs to happen to keep fleet falling apart as Boomers continue to retireIf you're a fleet leader working hard to retain your team, a tech dreaming of taking the next step in your career, or anyone in between, this episode is the one for you. Get tactical insights and ideas on how the industry needs to evolve in order to survive. Speaker BiosMarc CantonVP of Product & Consulting, RTA FleetMarc brings strategic vision and operational depth to every conversation. With decades in the industry, he helps fleets modernize through smart technology, KPI alignment, and better leadership development.Tony YankovichFleet Consultant, RTATony has been in the fleet industry for over 35 years—26 of them as a full-time consultant. His insight into right-sizing, workforce development, and operational analysis has helped dozens of fleets transform. Looking to take the first step in your fleet career journey? Start by requesting your free copy of The Fleet Success Playbook. Written by fleet professionals for fleet professionals, the Playbook breaks down the four key pillars of fleet success, and gives you the tools you need to build a truly great fleet. Request your free (yes, really, free!) copy here: https://rtafleet.com/resources/fleet-success-playbook?utm_source=simplecast&utm_medium=footer_notes&utm_campaign=episode_212 Control fleet chaos with RTA Fleet360, proven software designed by fleet managers for fleet managers: https://rtafleet.com/book-a-demo?utm_source=simplecast&utm_medium=footer_notes&utm_campaign=episode_212

Blogger friend Beth Ann Chiles from It's Just Life surprised us this week by announcing, "I'm a liar!" A routine medical exam revealed she's actually 5'3½"—not the long-believed 5'4". Welcome to midlife "shrinkage"!Jean shares her joy-filled night at a Cleveland Cavaliers game, complete with a thrilling half-court shot that earned one lucky fan $10,000. We also break down the new slang term "Unc/Unk," discover we're actually part of Generation Jones (not Boomers!), and laugh as Laura attempts to use her 26-year-old Sam's Club card  Follow along @OKBoomerPod for more fun.

Penny & Midge discuss the mysterious 1947 incident in Roswell, New Mexico. Did the government recover an extraterrestrial spacecraft and perhaps even alien lifeforms? And what's up with these weather balloons? Join the conversation on the Ghouls Night In Discord! Shop Ghouls Night In merch Follow the ghouls on Instagram at @ghoulsnightinpod Cover art by Alex Zimdars

As the first wave of baby boomers turns 80, the senior living industry faces a moment of truth—and opportunity. In this episode, Matt Reiners sits down with Bruce Lederman, CEO of Charles E. Smith Life Communities, for a wide-ranging conversation on how the “Me Generation” is transforming what it means to age.Bruce shares lessons from decades of leadership in senior care, explores the systemic cracks in workforce and infrastructure, and lays out a vision for more equitable, purpose-driven models of aging. From reimagining senior living for the middle market to the power of empathy and tech in care, this episode is a must-listen for anyone invested in the future of aging.Guest BioBruce Lederman is the President and CEO of Charles E. Smith Life Communities, one of the nation's most comprehensive senior living campuses. With a background in skilled nursing, healthcare strategy, and nonprofit leadership, Bruce is known for his deep commitment to aging with dignity. He serves on numerous advocacy boards, including SAGE, and is a passionate voice for equity and innovation in the future of aging.01:00 – Introduction to Bruce Lederman and his leadership at Charles E. Smith Life Communities03:00 – Bruce's unexpected journey from law school into senior care05:30 – The generational shift: What happens as boomers turn 8009:00 – Redefining aging: Why boomers won't settle for the old model of senior living12:00 – Where the infrastructure of aging is falling short: workforce, housing, and healthcare17:00 – The role of technology: promise, gaps, and policy missteps20:45 – What policy changes are urgently needed for equitable aging25:00 – Reimagining senior living for the middle market — the Ring House story31:00 – Equity, choice, and serving marginalized older adults37:30 – Why Bruce is hopeful: agency, intergenerational connections, and fighting ageism40:00 – Closing reflections

Grit. The word has reappeared lately relating to child rearing and educational philosophy. There is no doubt in my mind that grit is needed in all phases of life including retirement.

Sumo wears his boots when podcasting.Podcast reaction content and how society got from there to here.Password advice, Toyotathon in space, be sure to subscribe for free foot pics.Roderick on the line, a case study of how we got here.Fleeing to California to seek your fortune, when the iPhone and apps were brand new.Hipsters, Millennials and Foursquare.When apple trees grow pears, Nicolae Ceaușescu, trans kids, “The Romanians had a culture of lying.”Boomers and Gen X only understand top-down tyranny.Teaching children.Sumo builds his own vacuum chamber.Why accelerationism won't work.How to deal with being cancelled.Netflix is responsible for more births than anyone in the Trad community.Without America you will die.You're free to create if you choose to.Have gratitude and learn how to open a can of beans.Black people are way more likely to have extra fingers or toes.Support the showMore Linkswww.MAPSOC.orgFollow Sumo on TwitterAlternate Current RadioMAPSOC back on YouTube Again!Support the Show!Subscribe to the Podcast on GumroadSubscribe to the Podcast on PatreonSubscribe to the Podcast on BuzzsproutSubscribe to the Podcast on SubstackBuy Us a Tibetan Herbal TeaSumo's SubstacksHoly is He Who WrestlesModern Pulp

January 16, 2026: Everyone keeps asking whether AI is going to destroy jobs. That question is already outdated. In this episode of Future-Ready Today, I walk through five stories that reveal what's really happening in the labor market—and why the biggest risk isn't job loss, but broken pipelines. I explore why Boomers are staying in the workforce longer while Gen Z struggles to break in, how AI is driving a surge in construction and infrastructure jobs, and why the real bottleneck in the AI economy isn't software talent but electricians, plumbers, and skilled trades. I also unpack new data showing that AI has already created more than a million jobs globally—and why those jobs aren't evenly accessible. And finally, I look at what it means when firms like McKinsey deploy tens of thousands of AI agents and fundamentally change the leverage equation in knowledge work. Taken together, these stories point to a hard truth: AI isn't replacing humans—it's exposing weak systems. Systems that stopped training, stopped investing in skills, and assumed talent pipelines would take care of themselves.  

Add $100k+ to your career earnings with tactics from my newsletter below!   https://thecareerearner.beehiiv.com/s...   For partnership inquiries, please reach out to info@newmoneynate.com   Why does Gen Z feel so poor…even when they're working harder, earning more on paper, and investing earlier than past generations?   In this video, we break down why Gen Z feels broke, comparing Gen Z net worth vs Boomers, Gen X, and Millennials, and explaining how housing costs, wage stagnation, student debt, and the rising cost of living have reshaped early adulthood. We look at how Gen Z's financial reality compares to previous generations and why Gen Z is entering the workforce under fairly tough conditions.   We also explore why Gen Z may feel poorer than they actually are, covering investing participation, financial literacy, social comparison, and how constant access to financial data changes perception. Finally, we walk through how Gen Z can still build wealth, with practical strategies around investing, career growth, income diversification, and navigating a world where homeownership has become a luxury.   If you're wondering: – Why Gen Z feels broke – Gen Z vs Boomers wealth – Average net worth by generation – Why housing is unaffordable for young people – Whether Gen Z is actually poorer or just feels poorer – How Gen Z can still achieve financial stability   This video breaks it all down with data, history, and a realistic path forward.   The content and information contained on this website/social media page and any resources/material available for download through this website/page is not intended as, and shall not be understood or construed as, financial, investment, tax, legal or professional advice whatsoever. I am not a financial advisor, attorney, accountant, nor am I claiming to be, and the content and information contained on this website/page is not a substitute for financial, investment, tax or legal advice from a professional who is aware of all the facts and circumstances of your specific individual situation. Nothing on this website/page constitutes a comprehensive or complete statement of the matters that may be discussed or the law(s) relating thereto.   Nathan Kennedy / New Money Nate Inc is not liable for any direct, indirect, incidental, consequential, special or punitive damages, under any theory of liability, including without limitation, damages for loss of profits, use, data, or loss of other intangibles. Nathan Kennedy / New Money Nate Inc will not be liable for damages of any kind resulting from your use of the website/page and content or material contained therein.

We did an intervention on Klein. His life in 2026 has been horrible and he's clearly cursed. In the end, he agreed to have a Santero come to his house for an energetic cleansing. We also pitted snowboarders and skiiers against each other in a Family Feud style battle for a trip to a resort in Breckeridge colorado. A heated discussion ensued over the most overrated tourist attractions as the Walk of Fame was named the biggest disappointment in America. Johnny tried Colombian Aguardiente as his drink-of-choice today, and said it tasted like Christmas ornaments. We had Jim Lindberg from Pennywise and Eloise Wang from the Linda Lindas in-studio to promote their new song WE ARE LA, raising funds for musicians who lost their possessions in the LA fires. We also had a new winner in another round of Generation Wars where people from Genx, Gen Z, Millennial and Boomers battle in a game of trivia to win bragging rights.

What if the greatest threat to your kids isn’t the culture—but your parenting? Legacy Makers dives into the highs, lows, and hard truths of fatherhood. Join two dads as they unpack generational shifts, the pressure to raise happy kids, and why capable kids matter more. From youth sports drama to the dangers of negotiating with tantrums, this conversation challenges dads to lead with warm authority, embrace natural consequences, and resist the cultural current. If you’ve ever wondered how to build a lasting legacy for the faces you love most, this is your playbook. Chapters 00:00 Why Parenting Feels Hard and Lonely02:20 Youth Sports and the Decline of Respect04:44 Generational Shifts: How History Shapes Parenting07:11 Boomers, Gen X, and the Rise of Achievement Culture09:29 Millennials and the Self-Esteem Movement11:51 The Danger of Wanting Kids to Like Us13:55 Breaking the Cycle: Fixing What Hurt Us16:11 Raising Capable Kids vs. Happy Kids18:40 Warm Authority: Striking the Right Balance21:00 Why Boundaries Matter in a Culture of Pressure23:23 Resisting the Current: Staying Encouraged as a DadSee omnystudio.com/listener for privacy information.

Why do Boomers, Gen X, Millennials, and Gen Z respond so differently to the same marketing message? In this milestone 250th episode, the Marketing Guides dive deep into the psychology, values, and trust factors that shape how different generations and cultures make buying decisions. What You'll Discover:

Granny Crackers beats the show, another controversial ICE arrest, C-Lane clones Shawn, a naked man in the window, a Ford Worker heckles the President, the Boomers are so screwed, the future doesn't need printers, to bomb or not bomb Iran, Greenland chooses Denmark and so much more!

Granny Crackers beats the show, another controversial ICE arrest, C-Lane clones Shawn, a naked man in the window, a Ford Worker heckles the President, the Boomers are so screwed, the future doesn't need printers, to bomb or not bomb Iran, Greenland chooses Denmark and so much more!See omnystudio.com/listener for privacy information.

Resellers, this is a MUST-listen. Chuck and Dave, the amazing Million Dollar Peddlers (@themilliondollarpeddlers), join host Maggie (@podcastwithmaggie) on Get Thrifty to share 25+ years of reseller wisdom, platform insights, sourcing tips, and the wildest collectible finds (toys, cards, comics, magazines + more). Don't miss it!!   SHOW NOTES: From a garage to a small warehouse to two big warehouses, how the Million Dollar Peddlers built their reselling business. Tips on sourcing and listing collectibles. What sells best on what platform. Stories of amazing collectibles…from toys to baseball cards to comics to sports paraphernalia to movies to magazines…and unbelievable finds! How they came to share their wisdom and experience on YouTube. Working without a net on the live shows they host every week. How COVID impacted their business in a positive way. The popularity of Junk Journals and how they are saving things from the landfill. Resellers to the rescue for Boomers are leaving a lot of stuff to their heirs, but no one wants to throw it away but they don't know what to do with it.   Their early adoption of Whatnot.

Keith explores two big themes shaping real estate investors' futures: Why more Americans are becoming "forever renters"—and how long-term lifestyle and demographic shifts (not just today's prices and rates) are quietly reshaping the demand for rentals. The growing conversation around eliminating property taxes—which states are making the most noise, and why the real issue isn't whether property taxes go away, but what would realistically replace them. Keith also zooms out for a quick year-end tour of major asset classes—from stocks and real estate to metals and crypto—so listeners can see where real estate fits in the broader investing landscape and what these shifts might mean for their wealth-building strategy. Episode Page: GetRichEducation.com/588 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 or text 'GRE' to 66866 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, the Forever renter trend keeps getting embedded deeper into American culture. What's behind it? It's more than just finances. Then there's been more talk about eliminating property taxes, if they go away, what replaces them? And we'll discuss more today on get rich education.   Keith Weinhold  0:27   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 of 188 world nations. He has a list show guests include 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   Corey Coates  1:12   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  1:28   Welcome to GRE from Jamestown, New York to Jamestown, North Dakota and across 108 nations worldwide. I'm Keith Weinhold, and this is get rich education. Most investments reduce your income until you can start drawing on it and paying taxes on it in your 60s. That's a lot of decades of living below your means. Here learn how to grow your means and invest in vehicles that pay you when you're young enough to enjoy it and pay you five ways tax advantaged. Hey, there's a big misunderstanding about the housing market taking place right now. Yes, today's higher cost of home ownership contributes to Americans renting longer, for sure, but let's not make the mistake of thinking this is a new phenomenon just because home prices moved higher or mortgage rates began normalizing again a few years ago, that's not what it's about Americans renting longer. That is a trend decades in the making, and it has had and will continue to have major implications on the rental housing market decades into the future, buying your first home at 25 that was your grandparents or maybe your parents. Today, it kind of goes like this in life's journey for the wannabe homeowner, First comes the gray hair, then comes the mortgage. Last year, we learned that the average first time homebuyer age in America has moved up to 40. Back in 1981 it was age 29 per the NAR. More specifically one's real estate journey, it basically now goes like this, rent, rent, rent, have roommates again, go back to renting, chiropractor, Bank of mom and dad, then a mortgage maybe.   Keith Weinhold  3:34   Yeah, the home ownership rate, it keeps falling among every age group, most sharply among 30 somethings. The translation here is that more renters are coming. For those in their 30s, the home ownership rate maxed out at 69% in 1980 it's fallen to just 47% today. Those that are older, for those in their 40s, the homeownership rate maxed out at 78% in 1982 it has fallen to just 62% today and so on. Every 10 year age group all the way to those age 80 plus, the homeownership rate has fallen for all of them over the decades too, every single age cohort. The home ownership rate has fallen over the decades, and that is all per the Census Bureau. I'll tell you why this forever renter trend just keeps strengthening in a moment. But if you don't own your home, here are your current housing options. You can live with your parents. Yes, welcome back childhood bedroom with those glow in the dark stars on the ceiling. Sadly, you can be homeless. That is really not good. Or the other option is you can rent something nice, new, modern, and energy eficient. The group in which home ownership has fallen the most are those 30 somethings. 20 somethings aren't even part of what the Census Bureau reported here. It fell most sharply in the 1980s and then again, after the great recession. And here's what I know you might be thinking because we have some of the smartest listeners around. I bet that during times that buying was cheaper than renting, the trend reversed. That's what you might be thinking. No, it didn't. Regardless of what is cheaper, over time, the home ownership rate just keeps falling despite those periods, whatever is cheaper renting or owning now the overall home ownership rate that's fallen just since 2023 from 66% down to 65% that might not sound like much, but a Full 1% drop there means 1.3 million new renters already, just since 2023 and now you might be thinking, well, this is like totally because home prices and mortgage rates have been higher since that time. They've been higher since 2023 you are, in fact, somewhat correct about the affordability on a median priced home today, which is around 420k, I mean a 10% down payment and closing costs, that means you're out of pocket, probably more than 50k and it's 100k plus for a 20% down payment. And this is often an insurmountable hurdle without financial help from the Bank of mom and dad. But this is all part of a longer, multi decade set of trends. And look, a lot of these trends don't have much of anything to do with finances. People are renting longer because Americans wait longer to marry and have kids, and this has persisted, whether economic cycles are good or bad, and certainly, regardless of what mortgage rate levels are, younger generations value flexibility. That's another reason people are renting longer. Also 30 somethings are just simply more comfortable with subscription models like renting. I mean, look at Netflix and Uber and Spotify. It's been decades since anyone actually bought DVDs or CDs. Yeah, renting is just sort of another subscription model. More. Boomers are also renting for convenience. They would rather play pickleball instead of mow a lawn. This is something that they figured out a while ago. Also higher consumer and educational debt keeps people renting. You've got buy now, pay later. Companies like Klarna that are booming and mortgage eligibility got sucked from souls when all this happened? Hey, I've got more a ton of reasons for why more and more people are renters today, and how this trend is your friend if you are a rental property investor.    Keith Weinhold  8:13   Also, let's be mindful when we broke the gold standard in 1971 asset prices took off like a Blue Origin launch, and wages stagnated. That makes it tough to patch together a down payment and look, there is still an antiquated notion out there that apartments especially are like replete with paper thin walls and one in every five units is a meth lab. Have you toured apartment buildings, fourplexes, duplexes and single family rentals built in the last 10 years? Sheesh. Great amenities. Expect to see granite countertops, patios, fenced yards, gyms, sometimes even pet spas at Class A apartments, washer, dryer in unit. I mean, that has been standard for a long time, LED lighting, smart locks, increasingly office nooks for remote workers. Those are the modern amenities that you find in a rental. So the bottom line here is that as Americans age, there is an elongated renter stage of life. It's not just prices or rates, it is lifestyle. And this is why, even when affordability improves, the homeownership rate should continue to drop. More rental demand is coming. So yes, an elongated renter stage, this forever renter, if you will. That is somewhat about finances, but it is more, and this shapes the landlordtenant landscape for decades. And of course, your advantage here at GRE is even if you live in a High Cost part of the nation, we know how to buy here, say, a brand new build to rent single family property in an investor advantage place like Indiana, Missouri, Alabama or Florida, and we get it for, say, 300k or so, and you get a tenant that will pay you rent for four years or more in a lot of cases. So we've been talking about where the rental demand is coming from. It is both a lifestyle choice and a financial consideration for your tenant. Now this forever renter trend, that's something that really matters if you are providing housing to people. But some real estate trends just move so slowly, so glacier like that, you can kind of get lulled to sleep, until one day you look up and a trend has crystallized like the one that I just described. Let's compare a trend like that to something that people think matters a lot, and this does matter, but its importance is overinflated, and that is, for example, the President's nomination of a new Fed chair this year, and how that's going to move the real estate market. No, not as much as people think, as we've learned here, mortgage rates actually don't have that much to do with home prices. And yes, mortgage rates do move. They are correlated with the Fed funds rate. Yes, they are. When one is high, the other will be high. When one is low, the other will be low. They just don't move in direct lockstep. Let's listen in to the remarks of one Donald John Trump on the matter, because he talks about housing here. This is about a minute long, and then I come back to comment when Trump says him, he is apparently pointing to Treasury Secretary Scott Besant, who was in the room at the time, but as you'll hear, he's not expected to be the Fed Chair selection.    Speaker 1  12:06   Have you started the interviews for the Fed chair? Yes. Who have you interviewed? Ithink I already know my choice well. I like to him, but he's not going to take the job very fast. You like Treasury better, right? Much better, sir. So we are talking to various people and the I mean, frankly, I'd love to get the guy currently, and they're out right now,but people are holding me back. He's done a terrible job, hurting housing a little bit. The truth is, we've been so successful, we've blown past his interest rate. Stupidity. He's been wrong. That's why I call him too late. He's too late. Jerome, too late. Powell, he was recommended to me by a guy that made a bad, you know, bad choice, and it's too bad. But despite that, it's having very little impact, because we have, you know, we have all of these things happening, but it has an impact on housing to a certain extent. He's a fool. He's a stupid man, but we have some very good people   Keith Weinhold  13:09   yeah. So this matters, but it's as much entertainment and almost comedy against a demographic trend like the Forever renter propensity, a calendar year recently ended. It's time to make a quick rundown of the overall investing landscape. Once in a while we do that. It's good to check the movement on other asset classes outside real estate. It's our asset class rundown for last year, the s, p5, 100 was up nearly 17% that's the third year in a row of double digit gains in the year that Warren Buffett stepped down as CEO of Berkshire Hathaway, there's a warning. The S and P Schiller price to earnings ratio soared above 40 for only the second time in history. That's an indicator that stocks are overvalued. The only other time that happened was during the.com bubble in real estate, single family home values were up about 2% per the NAR just over 1% per Kay Shiller, apartment building values were flat to a slight decline. There is no such thing as an official apartment building Price Index, CPI inflation, up almost 3% on the year. It now hasn't been at the Fed's target of 2% or lower for a calendar year since 2019 Yeah, it has run hot all that time. Last year, mortgage rates fell from 6.9% to 6.2% and then, as you would expect, the yield on the 10 year treasury note also fell from 4.6 to 4.2 The dollar fell hard with a thud down 9% its worst performance since 2017 WTI oil prices fell from 70 bucks to $58 that's an 18% decline, but really the story of the year among all asset. Classes is what happened with precious metals, gold up a staggering 68% over the past year, touching an all time high of about $4,500 silver, up about 155% leaving investors flabbergasted and slack jawed, touching an all time high of over $80 platinum and palladium had near triple digit gains the real price of gold. This means inflation adjusted even jumped to its all time high last year, significantly surpassing the previous peaks of 1980 2011, and 2020. Realized this. More than 80% of all the recoverable gold on earth has already been extracted. Silver has been the top performing major asset class. In fact, today, a little one ounce silver coin is worth more than a 300 pound barrel of oil. Sticking with the topic of metals, inflation finally killed a penny. The last one was minted in 2025 in Philadelphia, ending a continuous run of the US minting the penny since 1792 no more. Bitcoin was down 6% falling from 93k to 87k the NASDAQ is aiming for near round the clock trading. It currently trades 16 hours a day, five days a week. They are looking to go up to 23 hours a day, five days a week in the second half of this year. That's our year end asset class rundown    Keith Weinhold  16:34   coming up in future weeks of the get rich education podcast. I am going to do an episode on overpopulation versus underpopulation? Is the world over or underpopulated, and is the United States over or underpopulated? This obviously has huge implications for the housing market. Then on another episode, we're going to discuss a real estate axis strategy we've never discussed before, called the 721 exchange. Now you might have heard of the better known 1031 tax deferred exchange, but the 731 is different. When you get older as a property owner and you realize that you don't want the hassles of landlording anymore, you can sell your properties to a partnership. The 721 exchange dictates that this is not a taxable event, and therefore no capital gains taxes or depreciation recapture are due. Property owners still get the benefits of cash flow and the appreciation across a greater number of properties and markets, and it's a great estate planning tool as well. Yes, that's the 721, exchange. We are going to cover it here. When it comes to investment real estate, I guess we cover nearly everything that's coming up on a future episode. As for today, we're talking about property taxes, if they go away, what replaces them that comes up shortly? Visit get richeducation.com to learn more about how we help you and what we do, and to get connected with real estate. Pays five ways type of properties. Visit gre marketplace.com. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:23   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,   Keith Weinhold  19:34   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally while it's on your mind. Start at Ridge lending group.com that's Ridge lending group.com    Jim Rickards  20:05   this is author Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:22   Welcome back to get rich education. Episode 588 for the 12th consecutive year here, I'm your host. Keith Weinhold, I look forward to perhaps meeting you in person this coming weekend, as I'll be attending the real estate guys create your future goals retreat event in Colorado Springs. You probably remember that we have had the events host and leader, Robert Helms, of the real estate guys on the show with us here several times in the past. What a class act I am spending a few extra days after the event in Colorado Springs to both look at local real estate in that market and climb the Manitou incline, that's this grueling climbing challenge up a slope of Pikes Peak. If you want to climb with me after the real estate guys event, bring your running shoes and I'll lead a group of us up there    Keith Weinhold  21:13   if property taxes go away, what replaces them? Realtor.com recently had a terrific article about this that you can look up the property tax revolt is spreading, but the replacement plan isn't let's look at the probability and possibility of eliminating property tax. Think about how property tax elimination would increase the value of your property well, because now every buyer could afford to pay more, since they won't have that property tax expense. And of course, if you were to remove property tax as a line item from your income and expense statement, your cash flow could double, triple, or even five or 10x depending on your current cash, on cash return. But that cash flow part is less likely because most efforts to eliminate the property tax, they focus on homes, primary residences. Well, several states have either active legislation efforts or these sort of informal grassroots movements to significantly cut down or just totally abolish property tax, but no state has fully eliminated them yet. The most prominent efforts are in five states, most notably Florida, where Governor Ron DeSantis has made the most noise about it. He proposed eliminating property taxes on homesteaded which are primary residence properties, and he aims for a constitutional amendment on the November ballot to achieve this, that is 10 months from now. And that proposal, it's still pretty early in the legislative stages, and the state is also considering property tax rebates in the meantime. Now, even if you own rental property, and property tax were only eliminated on primary residences, it would still cause the value of your property to boom pretty nicely, even if it didn't help the cash flow. The state that's made the second most noise is Ohio. A grassroots organization has called Citizens for property tax reform. They have actively campaigned to place a constitutional amendment on their ballot that would just totally abolish property taxes statewide. Third most is Kansas. They propose legislation and that aims to effectively bump up sales tax to replace property tax. The fourth out of five is North Dakota. Let's look at what they're doing following a failed 2024, ballot measure to just totally abolish the property tax outright. Well, there's a new proposal from the governor, and that seeks this phased out elimination for most homeowners over a decade. And see, North Dakota has a slightly better chance of pulling that off, because they can fund that from the state's Legacy Fund, that's their oil well fund, and then making the fifth most abolition of property tax noise is my home state of Pennsylvania. Lawmakers have introduced bills to eliminate all property tax. They also aim for a constitutional amendment to put that issue before the voters. So they are the five states that have made the most noise, and that's what their approach is.    Keith Weinhold  24:43   Now, seemingly for most of my life, homeowners and landlords have griped about property tax, saying it's the most ridiculous tax of them all, because you pay it year after year after year in perpetuity. And it just never goes away. Unlike other taxes that are just a one time tax, even if your property's mortgage is paid off, you still have a house payment, and that is largely due to property tax. Understand, though, that currently a lot of states give you a reduced property tax once you reach a senior age, usually age 65 plus some start as low as 61 but when it comes to eliminating the property tax, there's a part of the conversation that's really important, and it has been notably absent, and that is a novel solution to replace the lost revenue. And it gets rather interesting to look around and see where else the money might be raised if they eliminate property tax. See, and this is really important to understand, property taxes generate 70% of local revenue, up to 90% of school funding and 25% of all state and local tax revenue in aggregate in Florida. Okay, that's just in Florida those numbers, but a lot of states have a similar scenario, and in Florida, that comes out to about $50 billion a year. That is a big hole to plug, that is a big gap to fill, and it underlines both the burden homeowners are currently shouldering and how hard it's going to be to fill that gap with anything that's more stable or equitable, that's going to last as a funding source, yes, 90% of school funding. You heard that, right? If you talk to an old timer, you know sometimes you still hear an elderly person refer to property taxes as school taxes. So see, this question of, Do you want to abolish property taxes? One reason that's become louder and louder these past few years, and why you hear more about it is due to that increased affordability strain. That's why you're hearing more about it now the question, do you want to abolish property taxes? That is the wrong question. A grassroots push to AX the property tax that's gained traction, really, among some senior homeowners facing property tax bills that are as high as their mortgage. Once was last summer, for example, in Mahoning County, Ohio, the tax delinquency rate hit 18% almost one in five people having trouble paying their property tax, and that county had more than 70 million in unpaid property taxes. In some neighborhoods in Youngstown, as many as one in three homeowners were behind. And in Cuyahoga County, which is basically Cleveland, values jumped 32% on average after reassessments that fueled a $60 million dollar increase in past due balances this whole do we want to abolish property taxes? Question? You're going to see why that's the wrong question and why it's incomplete, because that slogan that skips the only part that really matters here, and that is, what is the replacement plan, realistically, taxpayers should be asked if, in lieu of property tax, they'd rather pay higher sales taxes or higher income taxes, or for those with no state income tax, like Texas or Florida, pay one for the first time. I don't like those answers. I wish governments would spend more efficiently, but that's not the angle that we're looking at here. Property taxes are the true lifeblood of local governments. I mean, they fund everything from public safety to roads to schools, and just because property taxes disappear, well that doesn't mean that the need for firefighters goes away, that the need for police officers goes away, or the infrastructure for public school systems is going to be gone, or the roads go away. So if property taxes are cut, then another revenue generating device has to emerge to keep services funded and running. And it's a little funny. I've been talking about certain states here. But of course, property taxes are exacted and assessed at the county and local level. And look, I mean, you know how the world works, you know what the nature of society is. As soon as someone has their income stream, they quickly grow into that lifestyle and the new larger spending pattern. So taking away an existing income stream or even reducing it a little, I mean, that can almost trigger outrage and protests, for example, the outcry that we had last year about cutting snap payments. But it works this way. With anything. I mean, sheesh. For the majority of Americans, if you cut their income even 10% they would struggle to survive. They would struggle to put food in the fridge. So these repeal the property tax campaigns, they often avoid the reality of the replacement math.    Keith Weinhold  30:19   Now, some states have taken a swing at replacing property tax revenue, but few, if any, have succeeded. Now, Nebraska lawmakers, what they did is they floated higher cigarette taxes as a way to fund a goal of cutting their property taxes by 40% I mean, nice try. But according to an analysis by the Tax Foundation, that tax base was far too small. I mean to tell you more about what a terrible miss. This example is Nebraska cigarette taxes. They raised about $52 million in 2024 while property taxes raised $5.3 billion that is 100 times more, not even close, even if you could raise more money in the short run, excise revenues like this cigarette tax, they're pretty volatile, and they often shrink as the demand ebbs and flows. So it really makes them a poor backbone for expenses that grow over time, and they don't eliminate the cost so much as concentrated. So what they do is they sort of shift this broad civic obligation funding all this stuff, police, fire, school, from homeowners onto a much narrower group, in this case, people who smoke. That is not going to work for Nebraska, all right, well, what about a bigger deal, like replacing it with sales tax? Well, they run into a different problem. Local economies are not built the same. You might have a sales tax heavy tourist County, well, they can raise far more money than an agricultural county. And Florida is a clear illustration. They have lots of tourism and lots of agriculture replacing property taxes with sales tax. That would require eye popping sales tax rates too. According to the Tax Foundation Florida statewide, they would have to go from 7% to over 15% sales tax in Florida. But it gets even worse, because counties with a thin sales tax base would have to charge over 32% sales tax. My gosh, that is not going to work, all right. Well, how about another big one? Let's have income taxes replace property tax in a lot of states. I mean, the income tax that's large enough to raise pretty meaningful revenue. But the trade off is that income taxes come with their own sort of economic and political distortions, and once they're added, you know, they rarely stay confined to the tidy swap that voters were promised. I mean, look at New Jersey. They adopted an income tax in the 1970s to provide property tax relief, but over time, that swap proved hard to manage and hard to enforce, and now today, New Jersey has one of the highest effective property tax and state income tax rates combined in the nation. So the point is that all these property tax replacement tools are just inherently piecemeal. Each tax or fee has like this different payer base or some different vulnerability. I mean, if tourism dips, for example, revenues could drop really fast. And the same is true if a regulated industry contracts, or if consumption patterns shift. And you know that volatility, that's manageable for some narrow program, but that is dangerous as the foundation for essential services like public safety and street maintenance and police and schools and fire. Well, how about forgetting all that? Let's just have the government then totally get out of providing public safety and not have the government provide street maintenance and have the government get out of schools. I mean, we used to have more private companies provide you with some of those services. We didn't even have a federal income tax at all until 1913 other than a temporary one to fund the Civil War. But all of that is a bigger topic that we are not going to get into today. The point is, instead of asking the question, do you want to abolish property taxes? The better question is, which replacement are you choosing and who pays for it? Because local costs come on, they're just not likely to shrink anytime soon. After all, all of this schools, fire and police departments, public works, divisions, they're all subject to the same inflation and the same rising costs as the rest of the economy is so the property tax is unpopular. As it is, it does have one functional advantage. It is tied to this immovable base of properties. It's collected locally, and it's designed to fund on going services. That is not to say that some homeowners don't need relief. Some of them clearly do. But eliminating property taxes, that just does not eliminate the underlying cost of government. All it does is reallocate it, and that reallocation can get messy, that shifts a bigger burden onto a smaller share of taxpayers, whether it's smokers, like it was in Nebraska, or whether it's rural shoppers like the Florida sales tax example, or doubly on working homeowners, like it is in the New Jersey income tax example. I have studied this, and I have not seen novel approaches that really keep communities funded without creating some new distortion somewhere else. But unfortunately, one thing that I have seen is this repeal rhetoric, and it makes these political platitudes all that want to just conveniently skip the replacement plan, but it all sounds good and popular when someone stands up there and says that they want to eliminate property taxes. So really the honest question on a ballot. It's not, do you want to abolish property taxes? The honest question is, are you willing to pay higher sales taxes or higher income taxes or adopt one for the first time and accept the distortions that those choices to create to eliminate the property tax? I'm not going to get into the political side of all this, because that's not what we do here. The bottom line is, though, that you're probably going to hear more about the property tax going away. It is unlikely, of course, as income property investors here, property tax is largely built into the rent. It is passed along to your tenant, and a small reduction would help you out, probably not so much on your cash flow side, since most of these proposals are only for primary residences, but even a small property tax reduction on primary residences that would boost all property values, even rental property in the one to four unit space. But you shouldn't expect much here. If property taxes are eliminated, there is just no easy and viable replacement. That's your answer today, if you represent a company that serves real estate investors get rich. Education has over 3 million IAB certified downloads and 5.8 million total listener downloads. You can learn more about advertising on the show at getricheducation.com/ad, that's get rich education.com/ad   Speaker 2  37:51   for the production team here at GRE, that's our sound engineer, bedroom jampo, who has edited every single GRE podcast episode since 2014 QC and show notes Brenda Almendariz, video lead, Binaya Gyawali, strategy Tallah Mugal, video editor, Saroza 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 3  38:17   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  38:45   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Graphs and charts: One dealt with the average life span. I still have 17 years left according to statistical data. Another dealt with how much time we have left after arriving at age 65 to enjoy good health.

Hating Boomers is the new cool thing. Amazon offerings include A Generation Of Sociopaths: How The Baby Boomers Betrayed America, the two apparently unrelated books How The Boomers Took Their Children's Future and How The Boomers Stole Millennials' Future, and Boomers: The Men And Women Who Promised Freedom But Delivered Disaster. "You don't hate Boomers enough" has become a popular Twitter catchphrase. Richard Hanania, who has tried hating every group once, has decided that hating Boomers is his favorite. Some people might say we just experienced a historic upwelling of identity politics, that it was pretty terrible for everyone involved, and that perhaps we need a new us-vs-them conflict like we need a punch to the face. This, the Boomer-haters will tell you, would be a mistaken generalization. This time, we have finally discovered a form of identity politics which carves reality at its joints, truly separating the good and bad people. I think these arguments fall short. Even if they didn't, the usual bias against identity politics should make us think twice about pursuing them too zealously. https://www.astralcodexten.com/p/against-against-boomers

After a wild slate of midweek action, the boys convene to share their thoughts on Martinelli's shove, Amorim's ousting, and Romero's rant. We'll also reflect on Brenden Aaronson's big day (except for that handball) in a wild one vs Newcastle and we'll discuss Erling Haaland doing a lot but also, not quite enough.And finally, we've got some Igor Thiago trivia and we wonder why Boomers have such a problem with people wearing winter hats indoors.For even more Caught Offside content, get on over to Caught Offside Plus right now! We've got a mailbag special up for you right now featuring questions on multi-club ownership, Gio Reyna, dream jobs in soccer, Frank in or out and much much more! And next week, we'll conduct our 2nd annual non-Big 6 (8) player draft.To sign up, just go to https://caughtoffside.supercast.com! Once you have access to the premium feed, be sure to go back and check out our special "welcome episode" from June 24th, 2024 (we don't think you'll be disappointed)!And for all the latest merch, get over to https://caughtoffsidepod.com/ - IT'S COLD OUT! GET A WINTER HAT!---Reddit: https://www.reddit.com/r/CaughtOffsidePod/X: https://twitter.com/COsoccerpodInstagram: https://www.instagram.com/caughtoffsidepod/Email: CaughtOffsidePod@gmail.comYoutube: https://www.youtube.com/@caughtoffsidepod Hosted on Acast. See acast.com/privacy for more information.

Eddie Yoon and Ted Rossman break down consumer sentiment. Ted thinks we've put “too much emphasis” on it in recent years, arguing that there's been a divergence between sentiment and reality since the pandemic. If you only looked at consumer sentiment, “you'd think we'd been in a recession for six years now.” Eddie notes generational differences, with Boomers happy and Gen Z negative. “Gen Z no longer believes in the American Dream,” he says, “they're trading in the traditional life path.”======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

SHOW NOTES: Did people whine as much years ago as they do now? They won't let me succeed at my job. They won't hire me anywhere else. Maybe "toxic workplaces" are caused by toxic employees? Maybe terrible bosses are just leaders expecting employees to meet deadlines and fulfill assignments? The fault is with the "Boomers" or GenX because they took advantage, they led great lives, and left nothing for us! Nothing but a healthier, safer world and the last decade of constantly improved living standards. I'm not valued! Maybe because you don't create much value and you don't make it visible. Take some accountability, and stop immersing yourself in the internet for that good old confirmation bias from other people who don't take initiative. If you're unhappy in your job, change it or leave it. There's plenty of work out there that pays well, isn't threatened by AI, but does require responsibility and ownership. But just stop whining, stop yelling for your Mama. It ain't your mother's fault.

From a country town in New South Wales to the bright lights of the NBA, Jock Landale’s path has been anything but ordinary. It’s a story shaped by perseverance, self-belief and a deep connection to where it all began. Jock speaks candidly about what it means to represent Australia, the mental edge that powered the Boomers to their historic first Olympic medal, and how that moment changed the way he handles expectation and pressure. Plus the big NBA deal that came with it. Now competing on basketball’s biggest stage in the US, there have been setbacks, and plenty of unseen work, all done with an inner confidence required to trust himself when everything was on the line. Honest, reflective and full of insight, this Howie Games conversation delivers heart, perspective and lessons earned the hard way - one you gotta hear from start to finish. *** Follow the Howie Games on Instagram: https://www.instagram.com/thehowiegamespod/ Follow the Howie Games on TikTok: https://www.tiktok.com/@thehowiegames See omnystudio.com/listener for privacy information.

Welcome to the very first OK Boomer episode of 2026!

The term "vibecession" most strictly refers to a period 2023 - 2024 when economic indicators were up, but consumer sentiment ("vibes") was down. But on a broader level, the whole past decade has been a vibecession. Young people complain they've been permanently locked out of opportunity. They will never become homeowners, never be able to support a family, only keep treading water at precarious gig jobs forever. They got a 5.9 GPA and couldn't get into college; they applied to 2,051 companies in the past week without so much as a politely-phrased rejection. Sometime in the 1990s, the Boomers ripped up the social contract where hard work leads to a pleasant middle-class life, replacing it with a hellworld where you will own nothing and numb the pain with algorithmic slop. The only live political question is whether to blame immigrants, blame billionaires, or just trade crypto in the hopes that some memecoin buys you a ticket out of the permanent underclass. Meanwhile, economists say things have never been better. Are the youth succumbing to a "negativity bias" where they see the past through "rose-colored glasses"? Are the economists looking at some ivory tower High Modernist metric that fails to capture real life? Or is there something more complicated going on? We'll start by formally assessing the vibes. Then we'll move on to the economists' arguments that things are fine. Finally, we'll try to resolve the conflict: how bad are things, really? https://www.astralcodexten.com/p/vibecession-much-more-than-you-wanted

From a country town in New South Wales to the bright lights of the NBA, Jock Landale’s path has been anything but ordinary. It’s a story shaped by perseverance, self-belief and a deep connection to where it all began. Jock speaks candidly about what it means to represent Australia, the mental edge that powered the Boomers to their historic first Olympic medal, and how that moment changed the way he handles expectation and pressure. Plus the big NBA deal that came with it. Now competing on basketball’s biggest stage in the US, there have been setbacks, and plenty of unseen work, all done with an inner confidence required to trust himself when everything was on the line. Honest, reflective and full of insight, this Howie Games conversation delivers heart, perspective and lessons earned the hard way - one you gotta hear from start to finish. *** Follow the Howie Games on Instagram: https://www.instagram.com/thehowiegamespod/ Follow the Howie Games on TikTok: https://www.tiktok.com/@thehowiegames See omnystudio.com/listener for privacy information.

Today on the Mile High Hype, so much unfolded that it's tough to articulate! We listened to a young kid break things down for Boomers, enjoyed some amusing firing tales from the NFL, and caught a side-splitting rap about dating.The fun continues on our social media pages!Jeremy, Katy & Josh Facebook: CLICK HERE Jeremy, Katy & Josh Instagram: CLICK HERE

There's a direct correlation between cross-generational relationships and one's sense of happiness, but fewer and fewer people are engaging in these relationships – why? Where did the distrust between Boomers, Gen X, Millennials, and Gen Z come from? Join us for an analytical conversation with ACFmen Pastor Colby Huth.

Retirement has its moments of isolation and then again it provides us time to reestablish contact with moments and people from our past. There is something about reaching into the past and touching one another that makes retirement so sweet.

This week, the three boomers take a look back on the most interesting stories from 2025. Very, very funny.

How different is the newest generation in the workforce, really? While stereotypes abound — some of them unfair — it's important to understand what the young adults of Gen Z have in common and how they differ from Millennials, Gen X and Boomers. Tim Elmore is a leadership coach and author who says that this generation in particular craves connection with their colleagues, meaningful work, and assurances that they're seen as people not commodities. He explains how organizational leaders can adapt to the needs of these workers while still maintaining high standards, providing feedback, and building grit and resilience. Elmore wrote the book "The Future Begins with Z: Nine Strategies to Lead Generation Z as They Disrupt the Workplace."

People used to work until they died and for the most part live in an extended family structure where some recognition was assured. Today's retired people face a true challenge in this life quest. We must create a means of being recognized.

The Bitcoin Boomers Ep. 03: Bitcoin Freedom Revolution, Big Print on Steroids & Public Miner Doom | Larry Lepard, Bob Burnett, Gary Leland, Gary CardoneGary Cardone (energy veteran, fintech pioneer, and acclaimed artist) joins Larry Lepard, Bob Burnett, and Gary Leland for a no-holds-barred Bitcoin Boomers episode that exposes the fiat system's soul-crushing traps and Bitcoin's path to ultimate freedom. From the opening salvo, Gary drops bombs: "Bitcoin is the primary business without an HR department," freeing him from "dumb meetings about dumb subjects" to pursue art and self-discovery. The crew dismantles fiat's "treadmill" (Larry: "The only thing more limited than Bitcoin is your time—and Bitcoin gives it back"), warns of ethical "prostitution" in corporate ladders, and reveals how creatives spot Bitcoin's magic first by thinking outside the box. Bob slams public miners' impending doom amid 2025's $8.6B M&A frenzy and harsh margins, while championing decentralized energy "sinkholes" for wasted power. Larry's prescient "big print" prophecy hits home as the Fed ended QT in December 2025, restarting QE with $40B/month Treasury buys amid liquidity strains—fueling Bitcoin's hedge role despite its dip to ~$87K from $126K highs. They debate deflationary shocks from immigration policies, why success isn't chasing dollars (Gary: "Even billionaires don't get freedom"), and raw advice for young stackers: ditch consumerism, seek mentors, pay yourself first with 10% in BTC for compounding magic.This is the orange-pill blueprint for boomers and millennials alike—escape fiat's rat race before the next debasement wave. If you're tired of quarterly BS and ready for Bitcoin's no-HR revolution, hit play now.Chapters:00:00:00 Cold Open – Bitcoin Gives Back Your Time00:00:44 Welcome Gary Cardone & Artistic Bitcoiners00:01:17 Creatives in Bitcoin: Art, Music, Writing00:01:57 Bitcoin as No-HR Business Model00:02:23 Freedom from Dumb Meetings & Self-Discovery00:03:25 Creatives See Bitcoin Quicker – Outside the Box00:04:25 Bitcoin's Gift: Defining Who You Are00:04:53 Escaping the Fiat Treadmill00:05:40 Amplifying Time & Ego in Success00:06:36 Art Over Building at This Stage00:06:55 2020 Entry Still Early – Buying at $90K00:07:33 Frustrating Year But Gift of Time00:07:58 Fiat Sucks You Back – Builder Mentality00:08:11 Math of Bitcoin vs. Business Returns00:09:21 Liquidity Without Hooks in Bitcoin00:09:42 Gateway CTO: Nightmare of Endless Meetings00:10:35 Public Mining Decision – Freedom Over Dollars00:10:59 Serving Bitcoin as Citizen vs. Public CEO00:11:16 Money Plateaus – Freedom is True WealthAbout GaryA former natural gas insider turned Bitcoin multi-millionaire, Gary blends decades of experience in energy, finance, and tech into hard-hitting insights. • Website: https://garycardone.me/• Twitter: @GaryCardoneHosts:Lawrence Lepard (@LawrenceLepard): Sound money advocate, fund manager, author of "The Big Print" Bob Burnett (@boomer_btc): Bitcoin evangelist, Founder/CEO of Barefoot Mining, former CTO at Gateway Inc. Board member at Ocean with over 40 years in tech and mining.Gary Leland (@GaryLeland): Founder of Bit Block Boom Bitcoin Conference.Supported By:Blockstream Jade: Easy, open-source Bitcoin-only cold storage. Get 10% off with code BOOMERS at blockstream.com.Unchained Signature: Premium custody for serious holders. 10% off first year with code BOOMERS10 at unchained.com/btcboomersAbundant Mines: Fully managed Bitcoin mining. Learn more at abundantmines.comBITCOIN WELL is the best place to buy Bitcoin in Canada and the USA.Visit BITCOINWELL.COM/BTCSESSIONSBook Private Sessions: Master Bitcoin with experts at bitcoinmentor.io. Check Out the Previous Episode w Dr. Bob Murphy: https://youtu.be/5PBylH5h9TY#bitcoin #bitcoinboomers #bitcoinfreedom #fiatratrace #bitcoinmining #qe2025 #qe2026 #publicminers #deflation #bitcoinadoption #garycardone #larrylepard #bobburnett #garyleland #soundmoney #btc

Sebastian is in the holiday spirit spreading goodwill and getting Winner's High on the Wheel of Fortune. Get in the Christmas spirit as the cast blast about Boomers as Grandparents, Caruso's soccer team try-out and doing a drive-by of Mar-A-Lago.  Follow Sebastian: @SebastianComedy Follow Pete: @PeteCorreale To watch the podcast on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/PeteAndSebastianYouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Don't forget to follow the podcast for free wherever you're listening or by using this link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/PeteAndSebastian⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you like the show, telling a friend about it would be amazing! You can text, email, Tweet, or send this link to a friend: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/PeteAndSebastian⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For Sebastian's tour dates, go to: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.sebastianlive.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For Pete's tour dates, go to: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.petecorreale.com/⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Founderz Lounge Episode #66 with Don Varady and Steve Bon.Don and Steve are back with another round of “Business & Bullsh*t,” where real entrepreneurs talk wins, screwups, and what actually moves the needle in business without the corporate fluff.They kick things off with camping like “homeless men” and wild childhood clubhouse stories, then pivot into why U.S. franchise chains are growing faster internationally than at home and what that really says about brand strategy. From there, they get brutally honest about restaurant standards, why most places lose customers to complacency instead of competition, and the consulting contract that almost ended Don's company and completely changed how he looks at legal protection.Along the way, they hit everything from DoorDash quietly exploding with Boomers and Gen X to Stiller's Soda, strange news, and a rapid-fire round of business lessons, bad decisions, and hard-earned perspective.Hit play for a straight shot of real talk on growth, risk, and what happens when your standards drift before your sales do.Timestamps:[00:00] Trailer[00:50] Founderz Roundup: International franchising[02:53] DoorDash[04:16] Pop Culture Bull Sh*t: Stiller's Soda[05:21] Social Media Update[06:41] Strange News: PepsiCo[07:43] Weekly Mash-Up[07:46] Netflix and Ring Doorbell[09:03] Founderz Hot Take[10:11] Founderz Fast Five[10:17] Childhood memories[11:06] Devil's Night[11:26] Clubhouse in the woods[12:21] Business lesson[13:28] Partnership[14:56] Strangest things seen while driving[16:35] Movie titleKey Takeaways:  • 2024, U.S based chains that expanded outside of the U.S. posted a 4.8% cumulative international growth versus 1.4% domestically. ~Don Varady [01:13]• “Your product isn't the problem. Your standards are.” ~Don Varady [09:27]•  “Most restaurants don't lose customers because the food changes. They lose them because of consistency.” ~Don Varady [09:37]• “Get a good attorney and never sign anything you don't fully understand.” ~Don Varady [12:28]•  “Sometimes words hold less weight than actions.” ~Steve Bon [13:22]Connect with Don and Steve…Don Varady:Facebook: https://www.facebook.com/don.varady/ Instagram: https://www.instagram.com/donvarady/ LinkedIn: https://www.linkedin.com/in/don-varady-450896145 Steve Bon:LinkedIn: https://www.linkedin.com/in/stephenbon Instagram: https://instagram.com/stevebon8 Tune in to every episode on your favorite platform: Website: https://www.thefounderzlounge.com/ YouTube: https://www.youtube.com/@TheFounderzLounge Spotify: https://open.spotify.com/show/0Nurr4XjBE747qJ9Zjth0G Apple Music: https://podcasts.apple.com/us/podcast/the-founderz-lounge/id1461825349 The Founderz Lounge is Powered By:Clean Eatz:Facebook: https://www.facebook.com/CleanEatzLife/ Instagram: https://www.instagram.com/cleaneatzlife/ Website: https://cleaneatz.com/Youtube: https://www.youtube.com/channel/UCJRGrE-Xv4IMW_DbxSOTGGA Bon's Eye Marketing:Facebook: https://www.facebook.com/bonseyemarketing Instagram: https://www.linkedin.com/company/bon's-eye-marketing/ LinkedIn: https://www.linkedin.com/company/bon's-eye-marketing/ Website: https://bonseyeonline.com/ YouTube: https://www.youtube.com/@bonseyemarketing9477  

La industria distingue entre juegos “de ilusión”, como las loterías, y los de “entretenimiento”, que serían los que se dan en casinos, aunque los profesionales clínicos prefieren no diferenciar y clasificar por factores de riesgo de adicción. En todo caso, los jóvenes de 18 a 24 años son minoría en la Lotería de Navidad, y el grupo mayoritario en salas de apuestas —la prevalencia de posible juego problemático entre los estudiantes de 18 años, especialmente chicos, multiplica por 8 la de la población general, según el Ministerio de Sanidad—. Por el otro lado, entre la gente a partir de 45 años, la participación en el sorteo extraordinario del 22 de diciembre alcanza casi el 90% de la población. Dos sociólogos y dos expertos en psicología y juegos de azar analizan por qué. CRÉDITOS Realiza: Belén Remacha Diseño de sonido: Nacho Taboada Presenta: Ana Fuentes Dirige: Ana Alonso Coordina: José Juan Morales Edita: Ana Ribera Sintonía: Jorge Magaz Si tienes quejas, dudas o sugerencias, escribe a defensora@elpais.es o manda un audio a +34 649362138 (no atiende llamadas).

Is there anything more important than a good story? And I might answer, "Very little". If there is one thing that we retired folks possess more than younger folks is the number of stories we have in our bag. We have had experiences that come only with time.

Luke 2:8-18 Advent Week 4: Love The word “advent” means “coming;” The season of Advent, which leads up to Christmas Day and includes four Sundays, is a time to reflect on the coming of Jesus on one holy night in Bethlehem — a coming that caused a great turning for the world toward  hope, peace, joy, and love. The four themes just listed are the four themes the Church traditionally explores during the Advent season. We’re going to explore the final theme of Advent: love. Because the coming of Jesus brings a turning toward love. There are 2 ways we can talk about love in today’s message. God's love for us Horizontal love, love towards each other. Luke 2:8-18 Our main theme for today is. He came. They went. Later in this story we see in Matthew 2 the Magi visit Jesus and his parents at their house. He (Jesus) came. The Magi go. Jesus' “coming” inspired “going “ in the Gospels. As seen in the Sending of the Twelve Sending of the 72, for example. And all four gospel accounts, in each their own unique way, show a Resurrected Jesus urging the disciples to ‘go.' At the start of the story of Jesus, a pattern is set for God's people and embraced by God's people. This pattern and response is repeated in the middle and end of the gospels and all throughout the story of the Early Church. Shouldn't we also embrace this same pattern? He came. We go. Is the U.S. Church going? Barna (2019) Almost all Christians say that the best thing that could ever happen to someone is for them to know Jesus. Almost all practicing Christians believe that part of their faith means being a witness about Jesus Pew Research did a huge study over 17 years, 4 separate surveys with more than 35,000 surveyed EACH TIME, shows that after many years of steady decline, the share of Americans who identify as Christians show signs of leveling off. Millennials in particular feel equipped to share their faith with others. For instance, 73% say they know how to respond when someone raises questions about faith , and that they are gifted at sharing their faith with other people . This is higher than any other generational group: Gen X (66%), Boomers (59%) and Elders (56%). Despite this, many Millennials are unsure about the actual practice of evangelism. Almost half of Millennials (47%) agree at least somewhat that it is wrong to share one's personal beliefs with someone of a different faith in hopes that they will one day share the same faith. Only 44% of Christian adults say they pray at least once a day. 33% of Christians say they go to a service once a month Approximately half (54%) of evangelical church attenders believe people are basically good and(50%) believe that people can earn salvation through their good works. Unexpectedly large minorities (24%) of evangelical church attenders reject the biblical nature and character of God and (26%) worship spirits other than the God of the Bible. An astonishing number—15%—revealed that they occasionally cast spells on other people. Is our church going? Jesus says Acts 1:8 – ‘You (all y'all) will be my witnesses in Jerusalem and in all Judea and Samaria, and to the end of the earth.” ‘ He came. We go to the ones nearest us.

What happens when the person preaching on Sunday morning believes something completely different than the folks sitting in the pews? Well friends, that's exactly what we're digging into today. My buddy Ryan Burge brought the graphs—including some brand new data that hasn't even dropped on his Substack yet—and let me tell you, it's a real deal predicament for Mainline Protestantism. Turns out about 60-70% of mainline clergy identify as liberal, but only about 25% of the people in the pews do. That's not a gap, that's a canyon. We're talking ELCA, UCC, PCUSA, Episcopalians—the whole crew. And look, Ryan and I are both mainline folks, so we're not throwing rocks across the river here. We're throwing rocks at our own faces. We get into why this disconnect exists, what the "silver tsunami" of aging Boomers means for these congregations, and why young progressive folks aren't joining our churches even though we thought we built them a home. It's honest, it's a little uncomfortable, and yeah, we also talk about Zion Williamson and Christmas movies because that's just how we roll. If you want to go deeper on where American religion is headed, join me and Ryan along with Tony Jones for our upcoming class The Rise of the Nones this January at www.AmericanNones.com. Come on. You can WATCH the conversation and see the graphs on YouTube Dr. Ryan Burge is a professor of practice at the Danforth Center on Religion and Politics at Washington University in St. Louis. He is the author or co-author of four books including The Nones, The American Religious Landscape, and The Great Dechurching. He has written for the New York Times, the Wall Street Journal and POLITICO. He has also appeared on 60 Minutes, where Anderson Cooper called him, “one of the leading data analysts of religion and politics in the United States.” Previous Visits from Ryan Burge ⁠Gen Z Revival?: The Next Chapter in American Religious Life⁠ The 2024 Election & Religion Post-Mortem Distrust & Denominations Trust, Religion, & a Functioning Democracy What it's like to close a church The Future of Christian Education & Ministry in Charts The Sky is Falling & the Charts are Popping! Graphs about Religion & Politics w/ Spicy Banter a Year in Religion (in Graphs) Evangelical Jews, Educated Church-Goers, & other bits of dizzying data 5 Religion Graphs w/ a side of Hot Takes Myths about Religion & Politics Join us at Theology Beer Camp, October 8-10, in Kansas City!⁠⁠⁠ ⁠⁠UPCOMING ONLINE CLASS: The Rise of the Nones⁠⁠ One-third of Americans now claim no religious affiliation. That's 100 million people.  But here's what most church leaders get wrong: they're not all the same. Some still believe in God. Some are actively searching. Some are quietly indifferent. Some think religion is harmful.  Ryan Burge & Tony Jones have conducted the first large-scale survey of American "Nones", which reveals 4 distinct categories—each requiring a different approach. Understanding the difference could transform everything from your ministry to your own spiritual quest. ⁠⁠Get info & join the donation-based class (including 0) here.⁠⁠ This podcast is a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Homebrewed Christianity ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠production. Follow ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠the Homebrewed Christianity⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Theology Nerd Throwdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, & ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Rise of Bonhoeffer⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ podcasts for more theological goodness for your earbuds. Join over 75,000 other people by joining our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Substack - Process This!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get instant access to over 50 classes at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.TheologyClass.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow the podcast, drop a review⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, send ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠feedback/questions⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or become a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠member of the HBC Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

What would change in your business if every growth decision you made was guided by a clear, intentional strategy instead of reacting to whatever showed up that week? In this episode, I walk you through how I help advisors build a revenue-focused strategic plan for 2026 that actually drives momentum. Drawing on 30 years of coaching experience, I explain why chasing net new clients is a distraction, how to think differently about revenue targets, and why the next few years represent a massive opportunity as Boomers retire and the industry transitions.

This week on The Nerd Chat:-TGA predictions and winner-Nerd Chat Game Awards... awards gameshow-Boomers react to the 2025 Game Awards-New controller impressionsPlus what we've been playing and the best food we had this week.0:00 Hello and welcome to the show7:20 News and TGA predictions, potential winners16:35 Nerd Chat Game Awards... awards gameshow37:00 Boomers react to the 2025 TGAs50:00 New controller impressions55:05 Shoutouts1:01:45 What have we been playing or watching?1:12:37 The best food we had this week1:23:00 Closing and end of showGaming. Food. The Good Old Days.Streaming Thursday nights. New episodes posted Fridays. #SeeYouOnlineFollow us everywhere: @TheNerdChatAll links: https://linktr.ee/thenerdchat#TheGameAwards #GamingPodcast #Controllers #SeeYouOnline

Add $100k+ to your career earnings with tactics from my newsletter below!   https://thecareerearner.beehiiv.com/s...   For partnership inquiries, please reach out to info@newmoneynate.com   Why does Gen Z get labeled as lazy when the data shows they're working harder than ever?   This video breaks down the real economic forces shaping Gen Z's work ethic and why younger workers are grinding harder than Boomers realize. From rising housing costs and student debt to job instability, automation, and constant reskilling, Gen Z entered the workforce in a fundamentally different economy. Using real labor market data, economic history, and a story-driven lens, this video explains why Gen Z has no choice but to work relentlessly just to achieve basic stability.   We explore how inflation, wage stagnation, disappearing entry-level jobs, and declining employer loyalty reshaped what “hard work” looks like today — and why older generations often misinterpret modern work behaviors like job hopping, remote work, and side hustles. This is a deep dive into generational economics, work ethic myths, and how the modern labor market rewards adaptability over tenure.   If you're interested in Gen Z vs Boomers, work ethic debates, the future of work, labor economics, generational wealth gaps, or why young workers feel burned out despite working nonstop, this video connects the dots.   Follow for more on careers, economics, generational trends, and how money actually works in today's economy.   The content and information contained on this website/social media page and any resources/material available for download through this website/page is not intended as, and shall not be understood or construed as, financial, investment, tax, legal or professional advice whatsoever. I am not a financial advisor, attorney, accountant, nor am I claiming to be, and the content and information contained on this website/page is not a substitute for financial, investment, tax or legal advice from a professional who is aware of all the facts and circumstances of your specific individual situation. Nothing on this website/page constitutes a comprehensive or complete statement of the matters that may be discussed or the law(s) relating thereto.   Nathan Kennedy / New Money Nate Inc is not liable for any direct, indirect, incidental, consequential, special or punitive damages, under any theory of liability, including without limitation, damages for loss of profits, use, data, or loss of other intangibles. Nathan Kennedy / New Money Nate Inc will not be liable for damages of any kind resulting from your use of the website/page and content or material contained therein.

Is it so important - to be politically astute? We all know the correct answer to that question. Our elementary teachers taught us that democracy demands an educated citizenry. It is easy to see the need.

Welcome back to Impact Theory with Tom Bilyeu! In this thought-provoking episode, Tom Bilyeu sits down with Scott Galloway for a no-holds-barred conversation on the state of America's economy, generational divides, and the future of capitalism. Together, they dive into the hard questions: Why are Boomers thriving while younger generations struggle to get ahead? What's fueling the rise of cronyism and political polarization—and why does class mobility feel increasingly impossible? Scott Galloway shares sharp insights on topics like entitlements, tax policy, and structural barriers facing young Americans—from housing affordability and stagnating wages to the corrosive effects of monopolies and regulatory capture. The pair debate solutions ranging from progressive taxation and the need for genuine competition to massive investments in housing, education, and healthcare. But the discussion isn't just about economics. Tom Bilyeu and Scott Galloway also unpack the psychological side of money, the shifting expectations around masculinity, relationships, and what it means for young men navigating today's world. Throughout, they challenge each other—and listeners—to think critically about what kind of future we're building. If you're curious about how we got here and what can be done to move the needle, this episode is a must-listen. Let's get into it! Business Wars: Follow Business Wars on the Wondery App or wherever you get your podcasts. Quince: Go to https://quince.com/IMPACTPOD for free shipping on your order and 365-day returns. Linkedin: Post your job free at https://linkedin.com/impacttheory HomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at https://homeserve.com Netsuite: Right now, get our free business guide, Demystifying AI, at https://NetSuite.com/Theory Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact Raycon:  Up to 20% off during this holiday season at https://buyraycon.com/IMPACTTHEORYBC Connectteam: 14 day free trial at https://connecteam.cc/46GxoTF ButcherBox: New users will receive their choice between filet mignon, ribeye or NY Strip in every box for a year + $20 off! at https://butcherbox.com/impact Incogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact Cape: 33% off with code IMPACT33 at https://cape.co/impact True Classic: Upgrade your wardrobe at https://trueclassic.com/impact Bevel Health: 1st month FREE at https://bevel.health/impact with code IMPACT What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Impact Theory with Tom Bilyeu! In this thought-provoking episode, Tom Bilyeu sits down with Scott Galloway for a no-holds-barred conversation on the state of America's economy, generational divides, and the future of capitalism. Together, they dive into the hard questions: Why are Boomers thriving while younger generations struggle to get ahead? What's fueling the rise of cronyism and political polarization—and why does class mobility feel increasingly impossible? Scott Galloway shares sharp insights on topics like entitlements, tax policy, and structural barriers facing young Americans—from housing affordability and stagnating wages to the corrosive effects of monopolies and regulatory capture. The pair debate solutions ranging from progressive taxation and the need for genuine competition to massive investments in housing, education, and healthcare. But the discussion isn't just about economics. Tom Bilyeu and Scott Galloway also unpack the psychological side of money, the shifting expectations around masculinity, relationships, and what it means for young men navigating today's world. Throughout, they challenge each other—and listeners—to think critically about what kind of future we're building. If you're curious about how we got here and what can be done to move the needle, this episode is a must-listen. Let's get into it! Business Wars: Follow Business Wars on the Wondery App or wherever you get your podcasts. Quince: Go to https://quince.com/IMPACTPOD for free shipping on your order and 365-day returns. Linkedin: Post your job free at https://linkedin.com/impacttheory HomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at https://homeserve.com Netsuite: Right now, get our free business guide, Demystifying AI, at https://NetSuite.com/Theory Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact Raycon:  Up to 20% off during this holiday season at https://buyraycon.com/IMPACTTHEORYBC Connectteam: 14 day free trial at https://connecteam.cc/46GxoTF ButcherBox: New users will receive their choice between filet mignon, ribeye or NY Strip in every box for a year + $20 off! at https://butcherbox.com/impact Incogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact Cape: 33% off with code IMPACT33 at https://cape.co/impact True Classic: Upgrade your wardrobe at https://trueclassic.com/impact Bevel Health: 1st month FREE at https://bevel.health/impact with code IMPACT What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

Zombieing, roaching, orbiting and reheating nachos! Let's see how we liked Wicked For Good but also test Daddy on wickedly hip slang from the newer generations! Gen z, Millennial, Gen Alpha, Boomers... we all have our slang and codes for masking and fitting in. Let's talk about that!- If you're 21 or older, get 40% OFF your first order + free shipping @IndaCloud with code [WATTS] at https://inda.shop/WATTS #indacloudpod -- Watts Socials -Discord: https://discord.gg/bxqDQVcKH7Amps Linktree: https://linktr.ee/pupampKristofer Linktree: https://linktr.ee/mrkristoferSAFEWORD MERCH: http://www.safewordshop.comTWITCH: http://twitch.tv/wattsthesafewordWatts Your Safeword Podcast:Itunes: http://apple.co/2QkMDwkSpotify: http://spoti.fi/2QjPNjLBluesky:https://bsky.app/profile/pupamp.bsky.socialhttps://bsky.app/profile/wattsthesafeword.bsky.socialhttps://bsky.app/profile/mrkristofer.bsky.socialTwitters:http://twitter.com/WattsTheSafewrdhttp://twitter.com/PupAmpInstagrams:https://instagram.com/PupAmp/https://instagram.com/mrkristoferwestonhttps://instagram.com/wattsthesafewordFacebook: http://ow.ly/Z5nvMPatreon: https://www.patreon.com/WattsTheSafewordOpening by the magical Aethernaut https://aethernaut.bandcamp.comMusic by Joakim Karud http://youtube.com/joakimkarud