Podcasts about builders

AI is no longer a "nice-to-have," it's a must for remodelers and builders who want to stay competitive. In this episode of AI Marketing for Remodelers & Builders, we're breaking down why AI adoption isn't a choice anymore and how you can start using it in your business today. Here's what we cover: How fast AI tools have evolved in just 3 years The dramatic shifts in the marketing landscape because of AI How Builder Funnel has adapted along the way Our journey: where we started, where we are now, and where we're headed Actionable steps for remodelers & builders to start with AI today If you're ready to understand how AI is reshaping marketing and how to keep up, this episode is for you. Resources & Links Mentioned in This Episode: Learn more at: https://www.builderfunnel.com/ Follow Kai On LinkedIn: www.linkedin.com/in/kai-biami-11849a171

204 - Chip Z'Nuff (Enuff Z'Nuff) In episode 204 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with bassist Chip Z'Nuff from the band Enuff Z'Nuff. In their conversation Chip describes his lifestyle in the ‘80's and ‘90's and how he managed to stay alive this far… and growing up in Chicago and his move to LA in the late '70's. Chip describes his encounters with the Grateful Dead early on and currently! Chip tells us about his early days playing bass and guitar and why bass stuck and why he chose music over baseball. Chip talks about his gear early on and now and what led him to sell off the majority of his gear recently. Chip describes his love for family and how he lived in his aunt's house in LA and the support of his father. Chip gives us the rundown of the heyday of E'Nuff Z'Nuff: managers, Howard Stern, drugs and lineup changes all the stories will eventually be in Chip's book which is yet to be published and a documentary that's on its way. Chip describes being handed basses to play for their early videos, familiar company names when he was playing vintage Fenders and Hamers live and on albums. Chip tells us about what he's doing musically recently and the new album E'Nuff Z'Nuff has out called “Xtra Cherries” Chip describes his home studio and some of the session work he's done recently. To find out more about Chip you can go to his website: enuffznuff.com Please subscribe, like, comment, share and review this podcast! #VintageGuitarMagazine #Enuffznuff #FenderBasses #JamesPatrickRegan #ChipZnuff #theDeadlies #haveguitarwilltravelpodcast #HGWT #XtraCherries #HamerBasses #tourlife Please like, comment, and share this podcast! Download Link

Habits run our lives whether we like it or not. The question is: are they helping you succeed… or quietly holding you back? In this episode, John Coffman shares decades of leadership wisdom on how habits shape your management philosophy, your career, and even your team's success. You'll hear why the easiest habits to form are usually the wrong ones, and how to intentionally replace them with routines that build trust, sharpen focus, and actually get things finished. We'll cover: How unconscious habits dictate your leadership style. The six-part framework that will keep any project or career on track. Why “finishing” is a habit most people fail to develop. Real stories of how small habit shifts created massive results. Listen now and learn how to take control of your habits before they take control of you. If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode.  And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two

What does it mean to truly give back to the construction industry? For Steve Yots, it's not just about completing projects, it's about shaping the next generation, one person at a time. In this episode, Steve shares the powerful story of a $1.3B mega-project that redefined collaboration, trust, and flow. From creating unmovable milestones to writing “Work with Heart, Build with Care” on the tower crane, his approach turned a complex build into a masterclass in teamwork. We talk about: Why the best way to change the industry is one life at a time. How to balance competition with genuine cooperation. The four daily questions that keep Steve focused on teaching, coaching, mentoring, and learning. Why showing up in person, unplanned can transform relationships. The hilarious (and effective) “Are You Ready for My Love?” shirt story. If you want to lead with purpose, build high-performing teams, and leave the industry better than you found it, this is the episode for you.

What does it really take to thrive in real estate for nearly three decades through every market shift imaginable? In this episode of the Real Estate Excellence Podcast, Tracy Hayes sits down with Clay County real estate icon Eden Jordan. With 27 years of experience, over 800 families served, and countless agents mentored, Eden shares a candid look at the grit, adaptability, and strategic thinking needed to not only survive but thrive in the industry's constant cycles. From the early days of handwritten contracts to the rise of social media marketing, Eden's story blends hard-earned wisdom with relatable humor. Listeners will hear Eden's journey from Disney College Program graduate to top-producing Realtor, her creative grassroots networking in playgrounds and ballfields, and her no-nonsense take on market trends, government influence, and the “greed factor” in housing. She opens up about setbacks, including lawsuits and the 2008 crash, and reveals the key systems, relationships, and mindset shifts that keep her business strong year after year. If you're an agent looking for longevity and growth in your business, take a page from Eden's playbook—listen in, take notes, and start applying these timeless strategies today. Subscribe to Real Estate Excellence for more top-tier insights from the best in the business.   Highlights: 00:00 – 09:15 Eden's Market Perspective and the “Greed Factor” No housing shortage in Florida? Eden's take on supply and demand The role of Airbnb in shifting inventory How government intervention impacts housing cycles Why affordable housing is a moving target Builders, pricing jumps, and the COVID-era market 09:16 – 18:42 From Disney to Real Estate – Eden's Early Career Path Disney College Program lessons in customer experience Trade show sales success and discovering her sales talent Transitioning from national events to local real estate Learning the ropes from seasoned agents at RE/MAX Starting in real estate before social media 18:43 – 28:10 Pre-Social Media Networking Tactics Viral email marketing before Facebook Leveraging MySpace for community engagement Playground and sports field networking strategies Building reputation through knowledge, not sales pitches Early career advantages as a young agent in an older industry 28:11 – 38:05 Thriving in Changing Markets Why some agents excel in tough conditions The danger of hibernating instead of staying visible Power of collaboration and peer support Mentoring new agents to overcome stagnation Lessons from working with top-performing peers 38:06 – 49:20 Setbacks, Lawsuits, and Lessons Learned The voluntary HOA lawsuit over $100 Emotional toll of feeling exposed in business Learning resilience from legal challenges Separating personal identity from the Realtor role Building a strong support team to handle business operations 49:21 – 1:21:55 Longevity, Leverage, and Consistency Hiring assistants early to focus on strengths Knowing when to scale with help or partners Social media's growing workload for agents Advice for agents approaching growth limits Balancing business drive with family priorities   Quotes: “There is no shortage of housing in this state—that's what I believe.” – Eden Jordan “I was an overnight success, but the best thing that happened to me was 2008 because my ego got back in check.” – Eden Jordan “The problem now is nobody's sitting there talking—they're just in their phones.” – Eden Jordan “If you're doing more than 10 or 12 deals a year, I don't know how people are doing it without help.” – Eden Jordan   To contact Eden Jordan, learn more about her business, and make her a part of your network, make sure to follow her on her Instagram, YouTube, and LinkedIn.   Connect with Eden Jordan! Instagram: https://www.instagram.com/edenjordan_/ YouTube: https://www.youtube.com/@micheletremblayrealestate3200 LinkedIn: https://www.linkedin.com/in/edenjordan/   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best.   #RealEstateExcellence #EdenJordan #ClayCountyRealEstate #RealEstatePodcast #RealtorLife #MarketCycles #RealEstateMentor #AgentTips #HousingMarket #PropertyInvesting #AirbnbMarket #FloridaRealEstate #RealEstateNetworking #RealtorGrowth #BusinessLongevity #SalesSuccess #MarketInsights #RealEstateStories #AgentLife #RealEstateTraining

In this insightful episode of DisrupTV, hosts R "Ray" Wang and Vala Afshar are joined by leaders: - Dr. Ja-Naé Duane, leading behavioral scientist, Brown Faculty, & MIT Research Fellow and co-author of SuperShifts: Transforming How We Live, Learn, and Work in the Age of Intelligence - Steve Fisher, world-renowned futurist, entrepreneur, podcaster and co-author of SuperShifts: Transforming How We Live, Learn, and Work in the Age of Intelligence - Thiago da Costa, CEO of Datagrid We explore the nine Super Shifts shaping the Age of Intelligence — from generational drift to telefusion to eco awakening, with Super Shifts authors Dr. Ja-Naé Duane & Steve Fisher. Plus, Diego de Costa, CEO of DataGrid, shares how agentic AI is transforming the built environment, and why future leaders need AI fluency, communication skills, and adaptability to thrive.

203 - the Vandoliers In episode 203 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with Jenny and Corey from the band the Vandoliers. In their conversation they discuss their current tour and the release of their new album “Life Behind Bars”. Jenny talks about her role as the front woman of the band and Corey as the utility musician. Jenny describes the role Marty Stuart had on the band and how the band started. The two talk about how their guitarist who broke his finger at his day job which sidelined him for the tour and how a friend stepped forward and filled in. They talk about gear, particularly Jenny's Gibson J-180 and her J-200 and her guitars she uses for her pop-punk side project the “Tom Girls”. Jenny describes her songwriting process, being the principal songwriter in the band with her songs describing her experiences as a trans woman. The two describe their influences for their type of outlaw country music, most of which they've shared the stage with. To find out more about the Vandoliers you can go to their website: vandoliers.com Please subscribe, like, comment, share and review this podcast! #VintageGuitarMagazine #MartyStuart #GibsonGuitar #JamesPatrickRegan #OrangeAmps #theDeadlies #haveguitarwilltravelpodcast #HGWT #theVandoliers #lifebehindbars #tourlife Please like, comment, and share this podcast! Download Link

Todd's linkshttps://linktr.ee/adriano_246Doors of Perception is available now on Amazon Prime!https://watch.amazon.com/detail?gti=amzn1.dv.gti.8a60e6c7-678d-4502-b335-adfbb30697b8&ref_=atv_lp_share_mv&r=webDoors of Perception official trailerhttps://youtu.be/F-VJ01kMSII?si=Ee6xwtUONA18HNLZMerchhttps://fknstore.net/Start your microdosing journey with BrainsupremeGet 15% off your order here!!https://brainsupreme.co/FKN15Book a free consultation with Jennifer Halcame Emailjenniferhalcame@gmail.comFacebook pagehttps://www.facebook.com/profile.php?id=61561665957079&mibextid=ZbWKwLWatch The Forbidden Documentary: Occult Louisiana on Tubi: https://link.tubi.tv/pGXW6chxCJbC60 PurplePowerhttps://go.shopc60.com/FORBIDDEN10/or use coupon code knowledge10FKN Link Treehttps://linktr.ee/FKNlinksForbidden Knowledge Network https://forbiddenknowledge.news/ Make a Donation to Forbidden Knowledge News https://www.paypal.me/forbiddenknowledgenehttps://buymeacoffee.com/forbiddenJohnny Larson's artworkhttps://www.patreon.com/JohnnyLarsonSign up on Rokfin!https://rokfin.com/fknplusPodcastshttps://www.spreaker.com/show/forbiddenAvailable on all platforms Support FKN on Spreaker https://spreaker.page.link/KoPgfbEq8kcsR5oj9FKN ON Rumblehttps://rumble.com/c/FKNpGet Cory Hughes books!Lee Harvey Oswald In Black and White https://www.amazon.com/dp/B0FJ2PQJRMA Warning From History Audio bookhttps://buymeacoffee.com/jfkbook/e/392579https://www.buymeacoffee.com/jfkbookhttps://www.amazon.com/Warning-History-Cory-Hughes/dp/B0CL14VQY6/ref=mp_s_a_1_1?crid=72HEFZQA7TAP&keywords=a+warning+from+history+cory+hughes&qid=1698861279&sprefix=a+warning+fro%2Caps%2C121&sr=8-1https://coryhughes.org/YouTube https://youtube.com/@fknclipspBecome Self-Sufficient With A Food Forest!!https://foodforestabundance.com/get-started/?ref=CHRISTOPHERMATHUse coupon code: FORBIDDEN for discountsOur Facebook pageshttps://www.facebook.com/forbiddenknowledgenewsconspiracy/https://www.facebook.com/FKNNetwork/Instagram @forbiddenknowledgenews1@forbiddenknowledgenetworkXhttps://x.com/ForbiddenKnow10?t=uO5AqEtDuHdF9fXYtCUtfw&s=09Email meforbiddenknowledgenews@gmail.comsome music thanks to:https://www.bensound.com/Become a supporter of this podcast: https://www.spreaker.com/podcast/forbidden-knowledge-news--3589233/support.

Our jobsite boards are supposed to make things clearer but are they actually holding us back? In this episode, I break down the biggest mistakes the industry is making with field boards, from confusing “constraints” with “roadblocks” to locking critical look-ahead schedules inside the trailer where crews can't see them. You'll hear: Why our visuals for the Last Planner System are nowhere near where they need to be. The difference between constraints and roadblocks and why mixing them up kills flow. How to rethink board placement so information actually reaches the field. The setup I recommend for maximum clarity, collaboration, and implementation. If you want your boards to actually drive results instead of gathering dust, this one's for you.

What do high-performing construction crews and top-tier cooking shows have in common? Full kit - having everything you need in place before the work starts. In this episode, Jason Schroeder break down why full kit isn't just a Lean buzzword, it's the difference between smooth production and chaos on site. Using the cooking show analogy, we'll explore how foremen can set their teams up like master chefs, with every tool, material, and resource ready before “go time.” You'll learn: The real meaning of full kit and why it matters more than you think. How CPM thinking can derail production (and what to do instead). Why timing and preparation beat “critical path” obsession every time. How to eliminate the last-minute scrambles that kill flow. If you want your crew to run like a well-produced cooking show, no missing parsley, no “where's the measuring cup?” moments, this episode is for you. If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode.  And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two

In this episode, we're joined by Dylan Bull and Alex Hawthorne from Levela Deconstruction—two founders challenging the status quo of demolition in New Zealand. Instead of sending building waste straight to landfill, they've built a business focused on carefully dismantling structures to salvage and reuse materials. From timber and steel to joinery and fixtures, they're proving that deconstruction is not only better for the planet, it's commercially viable and creates more jobs on site.We dig into how Levela works with clients like the Ministry of Education, how their approach compares in cost and time to traditional demolition, and why smarter waste separation is catching on across the industry. If you're ready to think differently about waste, this episode is packed with real-world insight, practical ideas, and a glimpse at what construction could look like with sustainability built in.Featured Guest: Levela Deconstruction Website: https://leveladeconstruction.co.nz Instagram: https://www.instagram.com/levela_deconstruction LinkedIn: https://www.linkedin.com/company/levela-deconstruction-ltd/Where else you can find usWebsite: https://www.masterbuilder.org.nz/Elevate Platform: http://elevate.masterbuilder.org.nzInstagram: https://www.instagram.com/masterbuildernz/Facebook: https://www.facebook.com/registeredmasterbuildersYouTube: https://www.youtube.com/channel/UCmh_9vl0pFf0zSB6N7RrVeg

Send us a textWe explore the vital concept of belonging in child development and how it interconnects with a sense of safety, confidence, and overall wellbeing. Our expert panel shares personal stories and professional insights about what true belonging means and why humans fundamentally need connection to thrive.Contact:podcasts@calfarley.org To Donate: https://secure.calfarley.org/site/Donation2?3358.donation=form1&df_id=3358&mfc_pref=TTo Apply:https://apply.workable.com/cal-farleys-boys-ranch/j/25E1226091/For More Information about Cal Farley's Boys Ranch:https://www.calfarley.org/Music:"Shine" -NewsboysCCS License No. 9402

202 - Jon Stickley and Larry Keel In episode 202 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with bluegrass guitarists Jon Stickley and Larry Keel. The conversation starts with Jon Stickley who joins us from Asheville North Carolina and then Larry Keel joins after just a couple minutes. Jon talks about how he makes time for guitar being a young dad and he gives us a brief history of his musical background. Larry joins the conversation and tells us how the two met jamming in a kitchen. Larry tells us about living and growing up in Virginia in a musical family. The two discuss their collaboration that's become an EP and why it's not a full album and how the two are going to make time from their own personal bands to tour together. The two describe their influences: Tony Rice. The two talk about their musical education and the guitars they're playing: Larry an Andrew White guitar and Jon a Preston Thompson guitar and the compromise they make using onboard electronics and the effects they use in their signal chain. The two discuss the camaraderie of the bluegrass culture and the logistics of their tour. Finally the two describe their passions outside of music. To find out more about Jon Stickley you can go to his website: jonstickley.com and for more information about Larry Keel you can go to his website: larrykeel.com Please subscribe, like, comment, share and review this podcast! #JonStickley #LarryKeel #Bluegrassguitar #VintageGuitarMagazine #TonyRice #AndrewWhiteGuitars #JamesPatrickRegan #PrestonThompsonGuitars #theDeadlies #haveguitarwilltravelpodcast #HGWT Please like, comment, and share this podcast! Download Link

Homebuyers don't fall in love with square footage—they fall in love with moments. In this episode, we explore how one often-overlooked product category can help builders sell more homes. Kurt Stauffacher, Senior National Account Manager at Hearth & Home Technologies (Heat & Glo, Heatilator), shares how to turn fireplaces into model-home centerpieces, adapt to spec and attached-housing trends, train sellers to sell on nuance, and protect margins without adding cost.

Listen to David Blackstad preach on freedom from our addiction to control. This sermon was preached on August 3rd, 2025.

In this episode of the Williston Works Podcast, host Anna Nelson sits down with Lindsey Harriman, Community Engagement Coordinator for Williams County, to discuss the newly launched Builder Buyer Housing Incentive Program.They explore how this two-pronged initiative supports both builders and buyers to address housing needs across the region, from helping first-time homeowners to encouraging new development. Lindsey shares the program's origins, how it works, and the early interest it's generating from the community.Learn more about the Williams County Builder Buyer Program: https://www.williamsnd.comLearn more about Williston Economic Development: https://www.willistondevelopment.com

201 - Johnny Moeller (Fabulous Thunderbirds, Texas Headhunters) In episode 210 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with longtime guitarist for the Fabulous Thunderbirds and one third of the guitarists with the guitar super group the Texas Headhunters Johnny Moeller. In their conversation Johnny talks about moving to New Orleans and his tour schedule with the Thunderbirds as well as how the Texas Headhunters came about. Johnny tells us about his history with the Thunderbirds before he joined and how he ended up in the band at what he'd been doing up to that point. Johnny discusses his guitars of choice and the backline amps he's forced to use on the road and his amps he has at home. Johnny takes us through his musical upbringing and when he met his Headhunter brothers. To find out more about Johnny you can go to the Thunderbirds website: fabulousthunderbirds.com or for the Texas Headhunters you can go to their website: txhh.live Please subscribe, like, comment, share and review this podcast! #JohnnyMoeller #FabulousThunderbirds #BluesLegend #VintageGuitarMagazine #TexasHeadhunters #BluesGuitar #JamesPatrickRegan #GibsonGuitar #FenderCustomShop #theDeadlies #haveguitarwilltravelpodcast #HGWT Please like, comment, and share this podcast! Download Link

Inside “Final Phase” - The Cleaning Company Raising the Bar in Construction What happens when a team obsessed with quality, lean principles, and customer care decides to start a construction cleaning company? You get Final Phase and it's not your typical trade partner. In this episode, Jason Schroeder sits down with Matthew, Kevin, and Emilio to reveal: The real story behind Final Phase's launch and why it's more than “just a cleaning company.” How Matthew grew a previous cleaning business from $300K to over $1.5M annually and plans to do it again (bigger this time). Why Elevate Construction's brand and lean approach mean Final Phase can't afford to do anything less than excellent work. How their systems, staffing, and obsessive attention to detail will deliver spotless results literally and figuratively. The big ask: why they want your projects and how they'll turn them into showcases for the entire industry. Whether you're a GC, a trade partner, or just curious about building something remarkable, this is a behind-the-scenes look at launching a company that's set to change the game in construction cleaning. Listen now and see why “Final Phase” could be the partner your next project needs. If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode.  And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two

This summer, Builders are learning about love and forgiveness and confidence all around the world. Listen to this Builder's miracles as she learned to love the locals and people in her group. 

In this solo episode of the Your Project Shepherd podcast, Francis Ramos, Media & Marketing Manager at Crafted Custom Homes and Podcast producer, shares a step-by-step guide to getting started with social media marketing for builders and designers. Discover why social media is more than just trends—it's a powerful, free marketing tool that works while you sleep. Francis breaks down platform choices, how to post without being a "content creator," and how to build trust with clients online. Whether you're overwhelmed or unsure where to start, this episode gives you the confidence to grow your business through authentic, consistent content.

Builders know that getting the foundation right when building a structure is vital, if the structure is to be safe and last. If the foundation is faulty, the building might collapse and harm all those in it. The same is true with our faith. It's important to get the foundation right so our faith remains strong and solid, not failing because of error. Your support sends the gospel to every corner of Australia through broadcast, online and print media: https://www.vision.org.au/donateSee omnystudio.com/listener for privacy information.

The Secret to Skyrocketing Your Career? Stop Waiting for Permission. Too many construction professionals wait for their company to invest in their growth only to watch their careers stall. In this episode, Jason Schroeder sits down with master builder, mentor, and leadership coach Mark Story to flip that mindset on its head. Mark reveals why owning your own development whether through books, mentorship, or personal investment pays off in influence, salary, and career opportunities. You'll hear: How to mentor young superintendents so they're confident, capable, and ready for leadership. The “risk timeline and risk level” framework that tells you when to ask for help and when to push through. Why trust is the bedrock of high-performing teams (and exactly how to build it). The one challenge every construction professional should take on today to boost their skills and value. Whether you're leading crews, managing projects, or just starting out, this conversation will change the way you think about training, mentorship, and taking ownership of your future. Listen now. Your next big career leap starts here. If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode.  And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two

What happens when one of the most respected minds in lean construction sits down to dissect project planning systems? You get this episode. In this powerful conversation, Jason is joined by mentor and thought leader Hal Macomber to explore: Why CPM lacks production theory (and what that means for your projects). The real difference between Scrum and Kanban. How Takt construction works as a socio-technical system and why that's critical. Why some teams thrive with lean systems... and others just don't. How the software industry has outpaced construction in flow-based systems and what we can learn from them. If you've ever wondered why schedules fail, why flow breaks down, or how to actually support your field teams with better planning this episode is your blueprint. You'll walk away with: ✔ A clear understanding of how Kanban brings flow front and center. ✔ Practical takeaways on how to align office + field teams. ✔ Insightful critiques of current scheduling tools and what to use instead.   If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode.  And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two

When doctors told John Kaufman there were no more treatment options, most people would have given up. John made a different choice. In this deeply moving and inspiring episode, Jason Schroeder talks with John about his 25-year journey living with an incurable cancer a journey filled with setbacks, unexpected blessings, and a daily decision to live fully, not just exist. You'll hear: The three mindsets people adopt after a life-changing diagnosis and the one that transforms everything. How reframing your thoughts can turn fear into fuel for living. Why community, small moments, and “blessings in disguise” matter more than ever. A life-changing sunrise conversation with a stranger on a Maui beach. The powerful question that every person healthy or not should ask themselves today. Whether you've faced illness, loss, or simply the grind of everyday life, John's story will challenge and inspire you to choose how you live… starting right now. Listen now and discover why living strong is a decision, not a condition. If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode.  And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two

Leadership, Laughter & Lessons From the Jobsite (with Jake Smaellie) What do kids on cruise ships, paper straws, and water bottles on construction sites have in common? In this episode, Jason Schroeder and returning guest Jake Smaellie connect the dots in a way only they can with humor, real-life stories, and hard-hitting leadership lessons. You'll hear: Why asking the wrong questions as a leader can destroy trust faster than any mistake. How to give feedback without shutting down communication. The power (and danger) of public praise when it's misunderstood. Jake's battle against the plague of discarded water bottles and some creative (and hilarious) solutions. How small actions, like really listening, can completely change a team's dynamic. It's equal parts comedy, chaos, and practical takeaways you can use to lead better whether you're running a crew, a company, or just your own household. Listen now, you'll laugh, you'll learn, and you'll probably never look at a plastic water bottle the same way again. If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode.  And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two

We often look at “normies” and think they're the ones programmed by media and propaganda. But what if those of us in the freedom movement are carrying out programs too? In this episode of Live Free Now, John Bush interviews Jason Christoff about how to break free from all forms of mental conditioning — both mainstream and alternative — and take conscious control of your life. Jason runs an international institute on overcoming self-sabotage and psychological reprogramming, teaching students about mind control, brainwashing, behavior modification, and manipulation. His work helps people reprogram themselves into stronger, freer versions of who they're meant to be. Jason believes the social decay we see today is no accident — it's the result of deliberate psychological operations. And if we want to survive and thrive, we need to understand these tactics and defend ourselves against them. Get ready to confront uncomfortable truths and learn how to reclaim your mind.   ***   Support Our Sponsors and Partners: CrowdHealth is revolutionizing how we handle medical bills. ✅ No networks. ✅ Transparent costs. ✅ Support from a like-minded community. USE CODE LFA at checkout to get a discounted membership of $99/month for the first 3 months. https://www.joincrowdhealth.com/promo...  Wise Wolf is freedom-aligned, Bitcoin-friendly, and serious about sovereignty. Monthly gold & silver stacking plans for Exit & Builders. Join today + get free silver with code - livefree: https://www.wolfpack.gold/   ***  

August 7, 2025- The state's "All-Electric Buildings" mandate will begin to be phased in next year and, while environmental advocates are welcoming the change, the construction industry is continuing to warn about unintended consequences. We discuss the transition with Mike Fazio, executive director of the New York State Builders Association.

Hi! and welcome to the Ninety-eighth episode of the Gaming Rules! Podcast.This episode is an audio recording of the Gaming Rules! YouTube Vlog from July 2025.  Paul discusses the games he played between 1st July 2025 through to 4th August 2025, gives details of his upcoming projects, and delivers a charity donation update.If you'd like to support the show, please consider becoming a Patreon by following the link ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: https://www.patreon.com/GamingRulesLink to the gaming Rules! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ channel: https://www.youtube.com/GamingRulesVideosTimestamps00:00:00 Introduction & Opening Credits00:02:26 Pathfinder Adventure Card Game00:05:49 Marvel Champions00:07:00 Earthborne Rangers00:10:10 Mage Knight00:11:55 Forbidden Stars00:13:50 Talisman 5th Edition00:15:35 Gwent00:17:05 Shrine Duel of Light00:21:02 Primal the Awakening00:23:10 Resafa00:27:30 Steam Power00:29:30 World Wonders00:30:48 Sanctuary 00:34:39 ManorCon Plays00:52:30 Lord of the Rings: Fate of the Fellowship00:58:09 The Great Commission01:00:22 Nanolith 01:04:40 Kinfire Council01:09:48 Earthborne Rangers01:11:21 Dirt & Dust01:15:51 Builders of Baldur's Gate01:20:06 Arkham Travel Guide01:22:23 Agemonia01:23:21 Online Games01:25:46 Patreon Update01:31:11 Charity Update 01:33:50 Upcoming Content01:37:24 End credits

200 - Eddie Angel (Los Straitjackets, Nick Lowe) In episode 200 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with guitarist and leader of the band Los Straitjackets, Eddie Angel. In their conversation Eddie talks about his guitar collection and the Dipinto guitars he uses live and the guitars he used on Los Straitjackets new album “Somos Los Straitjackets”. Eddie takes us through his musical history growing up in Albany , New York moving to Washington DC to play with Tex Rabinowitz and his rockabilly band and then to moved to Nashville meeting Danny Amis whom he started Los Straitjackets with. Eddie describes the early days of touring in a van Danny bought… and the bands slow rise leading to backing up Nick Lowe currently apart from the bands own gigs. Eddie talks about his friend and partner Danny and why Danny left the band and the kickback from the surf music “traditionalists”. Eddie describes touring in Mexico where the band has its most enthusiastic audience is and he tells us about the soundtrack work the band has done. Eddie talks about Los Straitjackets the new album and the production process as they recorded it in bassist Pete Curry's studio in LA and in Chicago at Reliable Recorders using Wilco's gear. Finally Eddie tells us what he does to stay healthy physically and financially. To find out more about Eddie Angel and Los Straitjackets and to hear their music and see their tour dates you can go to his website: eddieangel.com or the band's website: losstraitjackets.com Please subscribe, like, comment, share and review this podcast! #EddieAngel #LosStraitjackets #SurfMusic #VintageGuitarMagazine #DiPintoGuitars #HallmarkGuitars #JamesPatrickRegan #SomosLosStraitjackets #NickLowe #PeteCurry #TexRabinowitz #theDeadlies #DannyAmis #haveguitarwilltravelpodcast #HGWT Please like, comment, and share this podcast! Download Link

Chance Dixon from Grim Reaper Speed Shop joined us for an episode! He told us all about his journey of his dad introducing him to a nova from Cali to working on his own cars in gravel to having a chance to be at SEMA with Battle of the Builders. He tells stories about having experiments with a blazer and a backhoe, the continental that got away and the great community he has built around himself. Be sure to check out Chance on Facebook, Instagram, YouTube, and TikTok. THANKS FOR LISTENING!LIKE, SHARE AND DOWNLOAD!www.hotrodhangout.com

Well, when the spider tracks lead directly to Barad-dûr, do like the hobbits do and infiltrate the orc encampment! Pilfer becomes his enemy to avoid his enemy. Master Brickithon has a bonding moment with an orc. Oleg uses the Light of Eärendil in an arguably blasphemous but admittedly effective way. • • • Patreon: patreon.com/improvtabletop Twitter / Instagram / Facebook / TikTok: @ImprovTabletop Email: ImprovTabletop@gmail.com Donations: ko-fi.com/improvtabletop • • • Audio Credits The theme song for The Tension Builders is "Melodic Marauders Scared Stupid" by Ned Wilcock. The following songs also by Ned Wilcock. “Melodic Marauders Down Under” The following songs are used courtesy of the YouTube Audio Library License. “Skeleton Dance” by Myuu “Downtown Metropolis Chase” by Aaron Kenny The following songs are from tabletopaudio.com. All of the 10 minute ambiences on this site are licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License (https://creativecommons.org/licenses/by-nc-nd/4.0/). “Myconid Colony" “Mansion: Night” • • • This actual play episode uses the Bump in the Dark RPG rules by Jex Thomas and Last Pine Press. This is a fanmade work of parody. Improv Tabletop is not affiliated with the LEGO brand or its owner The LEGO Group.

Brian talks about current rates and what that means for our local real estate market. Plus, why you need to be prepared when dealing with builders. Listen now! Have a real estate need or question? Book a consult with us today! ☎️ (843) 800-0065

When a client fully trusts their designer, that's when the magic happens.You hire a designer to create something that stands out but still feels like home. That trust is what takes a house from good to unforgettable.In this episode of The Real Build, I sat down with Na-Ann Williams from Clive Daniel Home to talk about the power of great interior design and what it really takes to create a home that feels complete.We talked about:The importance of trust between builder, designer, and clientHow to bring creativity and function together in high-end designWhy the best projects are built on collaborationWhat sets great designers apart in custom home buildingWatch the full episode now on YouTube or listen on all podcast platforms.Guest Info: Na-Ann WilliamsInstagram: https://www.instagram.com/naannwilliamsdesigns/Website: ⁠⁠⁠⁠⁠⁠⁠https://clivedaniel.com/designer/na-ann-williams/?fbclid=PAZXh0bgNhZW0CMTEAAadJResy8jcgiq1R8NfLUJiMHKpHCLVmvLvtXdCZfUXRgYV5TleXn0LEOHwg4w_aem_vqoCF3cbRqKDoo5nlKu0RgHost Info:Email: Bill@rkreiman.comCONNECT WITH ME ON SOCIAL MEDIA:▶︎ YOUTUBE | ⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCxAdSxHN0dIXZPhA-6p1HYA ⁠⁠⁠⁠⁠▶︎ INSTAGRAM | ⁠⁠⁠⁠⁠https://www.instagram.com/imbillreiman⁠⁠⁠⁠⁠▶︎FACEBOOK| ⁠⁠⁠⁠⁠https://www.facebook.com/billy.reiman ⁠⁠⁠⁠⁠▶︎ LINKEDIN | ⁠⁠⁠⁠⁠https://www.linkedin.com/in/bill-reim...⁠⁠⁠⁠⁠▶︎ TWITTER | ⁠⁠⁠⁠⁠https://twitter.com/ImBillReiman⁠⁠⁠⁠⁠▶︎ WEBSITE | ⁠⁠⁠⁠⁠https://www.rkreiman.com

Send us a textSafety forms the foundation of child development, serving as the brain's primary focus before learning or growth can occur. • Your brain's number one job is to keep you safe, not to think or problem-solve• Children's behaviors often express their feelings of safety or lack thereofContact:podcasts@calfarley.org To Donate: https://secure.calfarley.org/site/Donation2?3358.donation=form1&df_id=3358&mfc_pref=TTo Apply:https://apply.workable.com/cal-farleys-boys-ranch/j/25E1226091/For More Information about Cal Farley's Boys Ranch:https://www.calfarley.org/Music:"Shine" -NewsboysCCS License No. 9402

A CMO Confidential Interview with Auren Hoffman, CEO of SafeGraph, formerly co-founder and CEO of LiveRamp. Auren discusses his belief that vendor management is the most critical skill for the future and why most companies should "rent" a high caliber pool of talent instead of hiring individual executives. Key topics include: thoughts on improving your vendor management skill (with outside law firms as an example); the concept of "scaffolding" developing talent; why he believes procurement is a "negative value" function; and why he would short consulting firm Booz Allen. Tune in to hear why he thinks private equity has shifted from making companies better into financial engineers and his belief that an MBA usually has a negative ROI.CMO Confidential: Auren Hoffman on Vendor Management, Talent Strategy, and the Broken MBAIn this week's episode of CMO Confidential, Mike Linton sits down with Auren Hoffman, CEO of SafeGraph and former co-founder/CEO of LiveRamp, to challenge conventional thinking on hiring, procurement, and leadership development.Auren shares why he believes vendor management is the #1 skill for future executives—and why most companies should rent world-class capabilities rather than hire executives they can't fully utilize. From “scaffolding” young talent to his provocative views on procurement's negative value, Booz Allen, MBAs, and the transformation of private equity, this episode is packed with contrarian insights for CMOs, CEOs, and founders alike.

199 - Glenn Hughes In episode 199 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with legendary bassist and vocalist Glenn Hughes. In their conversation Glenn tells us about his new album “Chosen” which will be released September 5th, and the guys in his band. Glenn describes his basses and gear, Orange basses and amps and Nash basses. Glenn talks about how he maintains his voice at the age of 74. Glenn talks what brought him to the bass in the first place and his influences for not only bass but for voice as well. Glenn describes being in Deep Purple at the height of their fame and working with Ritchie Blackmore as well as Tony Iommi, Gary Moore, Joe Bonamassa, and recently Steve Vai and Joe Satriani. Glenn talks about his upcoming tour for the new album and the gear he'll bringing with him. Finally Glenn tells us about his home life… for the few moments he is at home. To find out more about Glenn and his tour dates you can check out his website: glennhughes.com Please subscribe, like, comment, share and review this podcast! #GlennHughes #DeepPurple #OrangeAmps #VintageGuitarMagazine #NashBasses #OrangeBasses #JamesPatrickRegan #Chosen #RitchieBlackmore #GaryMoore #JoeBonamassa #theDeadlies #haveguitarwilltravelpodcast #HGWT Please like, comment, and share this podcast! Download Link

Too many builders have stopped building. In this short but powerful episode, Jason Schroeder breaks down a timeless skill that's fading in the age of tech - highlighting drawings. Whether you're a project engineer, superintendent, or project manager, you'll walk away with practical, visual techniques that transform complexity into clarity. Jason shares vivid real-world examples from best-in-class exterior sequencing to game-changing scope buyouts and explains how simple highlighting can prevent scope gaps, improve coordination, and reignite true builder behavior. You'll also hear: Why effectiveness matters more than being paperless. How we lost our way during the VDC revolution. A passionate call to bring visual building back. Personal updates from Jason, including upcoming podcast interviews, Takt System content, and some big wins behind the scenes. Whether you're a builder at heart or just looking for a tactical edge, this one's a must-listen.   If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode.  And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two

Most builders lose leads not because of bad work—but because of bad words. In this episode of Your Project Shepherd, Curtis Lawson sits down with Lauren Jefferson, co-founder of FocusCopy, to uncover how strategic messaging can transform your entire client journey. From fixing broken communication systems to using storytelling to build trust, Lauren shares the exact framework builders need to attract better clients, boost referrals, and stop ghosting in its tracks. If you're tired of feeling invisible online or losing clients after the first call, this conversation is your playbook for better copy and better conversions.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we review just what went down on trade deadline day. Plus, Robbie sits down with Foundation Mortgage's Marc Halpern on builder confidence and the stratification of buyer demand across metros, giving credence to the phrase “real estate is local.” And we close by looking at what payrolls missing estimates means for future Fed rate cuts.Today's podcast is brought to you by nCino, makers of the nCino Mortgage Suite for the modern mortgage lender. nCino Mortgage Suite's three core products -- nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics -- unite the people, systems, and stages of the mortgage process into a seamless end-to-end solution embedded with data-driven insights and intelligent automation. See how nCino can support a homeownership journey that your borrowers and your team will love at nCino.com.

First you have to take the initiative. Learn how to build confidence with these simple confidence building moves. #ThePitch #INICIVOX #VirtualMentorship

198 - Dyer Davis In episode 198 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with guitarist and band leader Dyer Davis. In their conversation Dyer talks about his new album “Kiss the Ring” and a guitar he designed that's built by Sunland guitars and his beloved Gibson ES 335 as well as the rest of his guitar collection which includes a few Rickenbackers he due to his love of the Beatles. Dyer tells us about his guitar trading experiences and his experiences restringing his Rickenbacker 12-string he also discusses his amps, pedals and wireless. Dyer takes us through his musical influences through the years and his musical experiences at home and what got him to where he is now. Finally Dyer talks cars. To find out more about Dyer and see his tour dates, you can check out his website at: dyerdavismusic.com Please subscribe, like, comment, share and review this podcast! #DyerDavis #KisstgeRing #GibsonGuitar #VintageGuitarMagazine #SunlandGuitars #Rickenbacker #JamesPatrickRegan #guitarcollector #GuitarCollecting #theDeadlies #haveguitarwilltravelpodcast #HGWT Please like, comment, and share this podcast! Download Link

In this powerhouse episode, Jason Schroeder is joined by Lean legend Hal Macomber, who shares jaw-dropping insights from decades of experience revolutionizing how we build. From set-based design to macro-level takt planning, Hal breaks down why takt construction isn't just a theory - it's the only way forward. What you'll learn in this episode: Why execution at the work face matters more than perfect planning. How to design with constraints as a strength, not a limitation. Why early trade partner selection and training changes everything. The truth about CPM vs. Takt and why one aligns with production science, and the other doesn't. What Hal learned delivering a 3,500-person, $multi-million project in 28 months. Packed with analogies (think: sailing from Boston to Maine) and practical frameworks, this episode will challenge everything you thought you knew about planning and building projects, especially if you care about flow, certainty, and remarkable results.

Strategy That Actually Works: Real Talk with Mark Story How do you build smarter, lead stronger, and deliver better projects without burning out your team? In this game-changing episode, Mark Story joins Jason Schroeder to unpack the real meaning of strategy in construction and spoiler alert: it's not just about scheduling. From staffing and logistics to trust and team alignment, Mark shares the powerful, practical mindset that elite builders use to lead successful projects from the ground up. Inside this episode: Why in-person, hands-on training still wins (and how to get leaders to prioritize it). The question every PM and Super should ask: “What do you need?”. How to build trust fast with trade partners and unlock full team performance. Why strategy means thinking beyond the org chart and designing teams and workflows based on what the project actually needs. How to hold teams accountable only after you've created the conditions for success. If you've ever struggled with communication breakdowns, low team morale, or disjointed project planning, this episode will shift how you think and lead.   If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode.  And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two

Let's make one thing clear: you don't win the next job in the interview room, you win it on the current jobsite. In this landmark 1400th episode, Jason Schroeder flips the script on traditional sales thinking and makes a bold declaration: Quality comes before sales always. Whether you're a general superintendent, PM, or trade partner, this episode is a masterclass in how to build a remarkable reputation that sells itself.

In this episode of the Builders of Authority podcast, I got to sit down with someone I've looked forward to connecting with for a while, Bob Houchin. If you're in or around the home services space, there's a good chance you've heard his name before.Bob's the host of The Successful Contractor podcast and has been in the industry for over two decades. He's interviewed more top-performing contractors and private equity power players than probably anyone out there. We're talking about people who are running $100M+ businesses and helping shape the future of the trades.We had a real conversation about what those elite-level contractors are doing that most others aren't. Bob shares insights from behind the scenes, things he's learned from hundreds of interviews and years of seeing what actually works. We also got into how digital marketing and personal branding are impacting the trades, and why there's such a big opportunity for agency owners and marketers to serve this niche.If you're trying to figure out how to break into the home services space, or if you're already working with contractors and want to understand how the top 1% think, this episode is a must-listen.About Bob HouchinBob Houchin is a passionate advocate for home service professionals, with more than 20 years of experience in sales, training, operations, strategic leadership, and more. He's the host of The Successful Contractor podcast and YouTube series, where he's interviewed more of the home services industry's top players than anyone else in the last 25 years. That includes contractors running $100M+ companies and the power players behind billion-dollar private equity roll-ups.Before launching the podcast, Bob spent 15 years as the editor of The Successful Contractor magazine, telling the stories of contractors across North America. Today, the podcast continues that mission and has grown to over 100,000 downloads and 500,000 views.Bob also serves as a Senior Strategist at CertainPath, the largest network of independent residential service contractors in North America. With more than 1,200 member companies generating nearly $5 billion a year in revenue, CertainPath provides tools, coaching, training, and support to help contractors grow profitably and sustainably.To connect with Bob:Email: bhouchin@mycertainpath.comWebsite: www.mycertainpath.comLinkedIn: linkedin.com/in/bob-houchin-6141a17YouTube: youtube.com/c/TheSuccessfulContractorFacebook: facebook.com/CertainPathInstagram: instagram.com/mycertainpath

Today we're going to jump into the Metrics that we are focusing on for growth in 2025 and beyond! These growth metrics have the potential to give you the ability to focus and gain clarity on what to focus on when in order to make more sales, create bigger impact, and generate more income! Need more support in this area? Join our FREE FB group for support and community here: https://www.facebook.com/groups/cbwwcommunity or Join us inside the GROW Coaching Community for coaching, support, and resources here: GROW Community

George Bandy shares why most builders, tradespeople, and even large companies are underestimating their potential to shape the future. Drawing from his leadership at Andersen Windows and decades in sustainability and social impact, George challenges the construction industry to think bigger about community, legacy, and the true meaning of craftsmanship. Show Notes:  0:00:00 - Intro & Early Career Reflections 0:11:35 - Sustainability in Construction 0:23:10 - Mentorship and Influence 0:34:45 - Community Impact through Building 0:46:20 - Diversity and Equity in the Trades 0:57:55 - Corporate Responsibility at Andersen 1:09:30 - Changing the Industry from Within 1:21:05 - Practical Advice for Builders 1:32:40 - The Role of Craftsmanship Today 1:44:15 - Final Reflections & Closing Thoughts Video Version:  https://youtu.be/YIqP3dkeP5w   Partners:  Andersen Windows Buildertrend Harnish Workwear  Use code H1025 and get 10% off their H-label gear   The Modern Craftsman: linktr.ee/moderncraftsmanpodcast Find Our Hosts:  Nick Schiffer  Tyler Grace  Podcast Produced By: Motif Media

Keith discusses the impact of inflation and interest rates on real estate investing, emphasizing passive income strategies.  He highlights the Florida housing market, noting a 26% increase in listings post-pandemic.  Investor and Florida homebuilder, Jim, joins this episode to explain the overbuilding in the emotional market versus the underbuilt workforce housing.  His company focuses on new construction in areas like Ocala, offering 40-year loans with 5.25% fixed rates, and boasting an average tenancy duration of over three years. They also provide two years of free property management and a 10-year builder warranty. Resources: Schedule a free strategy session with a GRE Investment Coach to evaluate the opportunity at GREinvestmentcoach.com Show Notes: GetRichEducation.com/564 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, what control do you have over inflation and interest rates? Then, with the Florida housing oversupply and resultant attrition and price levels, wouldn't it be interesting to talk to a prominent Florida homebuilder? That's just what we do today on get rich education.   Speaker 1  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 in 188 world nations. He has a list show guests and key 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   Speaker 2  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 coral, Illinois to Cape Coral, Florida and across 180 nations worldwide. I'm Keith weinholden. You are inside for another wealth building week. This is get rich education, the voice of real estate investing since 2014 with inflation on the upswing and is currently approaching 3% again, the formula is small. Down payment. Bank buys you the house. Tenants pay down the loan. Property Manager handles nearly everything. You collect cash every month. Inflation builds you massive wealth, and that's real estate, all right. And no one really knows what's going to happen with inflation and interest rates, those two positively correlated indicators, but at times we have an illustrious guest that will make a prediction. And GRE episode 224, from January of 2019 has been getting some attention lately. That's back when interest rates of all types were really low, and when I interviewed legendary investor Jim Rogers in Singapore, listen in to what he told you, and I on that episode, then   Speaker 3  2:49   you ask me, we're now headed up again, and interest rates are going to go go much, much, much higher over the next few decades, and it's going to ruin a lot of people. I hope none of your listeners get ruined. I hope I don't get ruined, but rising interest rates are here for a long time. Keith, be worried. Be careful.   Keith Weinhold  3:08   Yeah, some real Jim Rogers prescience there in Episode 224 he has seen some cycles. Now as investors, we've got regional phenomena and national phenomenon mortgage rates. They're a national one, because more or less, whenever you finance property anywhere in the nation, your rate is going to be the same nationwide. Perhaps you feel then like you don't have any control over your mortgage rate. Well, I've got two points to that. First, understand that today, mortgage spreads are almost back to normal. Now, what does that mean? Mortgage spreads from listening to the show, you probably know that the mortgage rate you pay is dictated more on the level of bond yields than it is the Fed funds rate that your own Powell controls. Well, 30 year mortgage rates are historically almost 2% above the bond yield, meaning they're 2% above the yield on the 10 year T note, okay, that's the bond yield. The spread was recently above 3% now it is down to about two and a half. To be clear, mortgage rates are now just about two and a half percent above bond yields in this narrowing, that means there's more investor confidence in the mortgage market, and that suggests that lenders are willing to offer loans at competitive rates without succumbing to volatility. So lenders are less concerned about the risk of you quickly refinancing out of the loan that they just worked to make for you, the translation is that this opens the door to make it easier for mortgage rates to fall to 6% and they've been nearly seven for a while. Though I don't predict rates. I'm speaking about probabilities here. Now some people want to lock up property before rates fall, because when rates fall, many think home prices will surge because more people can afford property than higher demand. And I think we all know that the conventional wisdom is to lock in your price now and then if rates fall, you refinance. Conversely, if rates go higher, well then you'll be glad you bought today when rates were lower. But today we're talking about how you can really control the mortgage rate you pay when you work with a builder that won't only see that your mortgage rate gets bought down, they'll ensure that they are the ones paying for the pie down, not you. That's key, as we talked to a home builder in Florida today, a state that makes headlines for being overbuilt, it's a case study in how a market gets to an overbuilt condition, or does it really get overbuilt? It depends on this segment of the real estate market that you're focused on as an investor, as you'll see today, let's meet this week's guest.    Keith Weinhold  6:05   I'd like to welcome Jim onto the show today. He's one of the founding partners of a prominent Florida home builder. They built over 9000 residences, and they have 120 plus full time employees, and it's been such an interesting time in Florida home building and the real estate market, so that's why we're chatting today. Hey Jim, welcome onto the show. Keith, great to be back. Thanks for having me. Let's talk about the problem statewide. Florida has about 26% more listings, more available housing inventory, as compared to pre pandemic levels. That's created some problems, some price attrition. Talk about, why did Florida get over built? Or are they not truly overbuilt when we segment that by product type.   Jim Sheils  7:02   Well, like you said, Keith, product type is really important to decipher here, because it does help dissect the problem a little more clearly. There's a lot of different markets happening, but two of the main things that I've seen that have caused the softening of certain segments of the market is one insurance if you are buying a 1957 home in southwest Florida, a few blocks from the beach, it is possible that your insurance has gone up four to five times. Yeah, the annual thing. So that is going to really start to shake people who own those properties. They're going to feel a little triggered to sell, and it's going to be more difficult to sell, because if you have an agent go and show that property and they ask for a good faith estimate from a lender, and they say, Well, what's your current insurance? That can really scare people. So that type of property normally properties older before 2004 when the rules changed, with higher insurance, that can change it. The second thing is, the emotional market always seems to take a hit, Keith, and I've heard you talk about this before. Now, the emotional market that I talk about is we have our median value in any of the real estate markets, right? And you go about 25% above the median, maybe 30% above the median values. That's what I call the emotional market. These are the really nice houses that are fun to visit. You know, nice to stay in, nice to live in, but they are emotional. This is an emotional market. The cash flow numbers have never worked. They're not on the ultra high end that those people normally own cash and they don't really care the fluctuation. It's that level above the median where I see the emotional market really take the hit, because when the emotion comes out, while the people it's harder to sell to find the buyers, especially with the rates jumping the way that they have over the last two years, there's not the ability to sit back and say, Well, you know what, Keith, I'm just going to hold this and rent it, because their negative position, their negative cash flow every month, begins to sink them quickly, and so that's where you see that pressure downward on that emotional market. If that makes any sense.   Keith Weinhold  9:06   did Florida really get ahead of itself with the increase in pandemic migration? Was there more building because they projected that high migration rate to continue, and it just didn't. Is that why areas of Florida are overbuilt.   Jim Sheils  9:22   What I believe happened was the migration was there, Keith, but again, you have to look at the sectors of the market. Now, when you're looking at a large national home builder, their goal is to sell the property with the greatest profit spread. It's just that simple, and those are the properties when times are good and times are hot, this emotional market, you know, 20, 30% above the median value for an area that's a very easy time to promote and to sell those types of properties and make the best spread for them. And so, yes, in that area, they got ahead of themselves, because it was easy to market to, easy to promote to. And again. In. Some people untrained investors, or people just emotional and saying, Well, I'm gonna have a second home in Florida, and I'll get there more often than I think I will. That causes that issue now, but going to the lower segment, like the workforce housing, like you and I have talked about, well, that has been underprepared for the migration and affordability. That is my word of the year, affordability, the affordable housing, the workforce housing. When you look at the stats, I think it was last year we found the stat that for every 25 workforce housing, new construction workforce housing, there's 100 renters. And so the workforce housing has been underdeveloped, and why? You know, we're a niche builder. It's very rare for a builder like us to focus on workforce housing. That's not the focus of many of the larger builders. They're on that more emotional market. So that's where we focus. But with builders like us focusing on that, no one else that part of the market, Keith has been under supplied, actually in the last few years, because the net migration didn't need those emotional houses. They needed the workforce housing.   Keith Weinhold  11:05   This is a great distinction. We can look at a stat like there's 26% more available housing inventory in Florida statewide than there was pre pandemic, but you've got to parse that by product type, workforce housing, which you specialize in, including build to rent, housing has not been oversupplied, not nearly to that same extent. It could even be undersupplied, depending on where you're at. These are the properties that make the best long term income properties. I hope you the listener caught it there. Jim gave an important date. 2004 is a key year when there were changes to building codes, which results in what your insurance premiums are going to be. Tell us more about that.    Jim Sheils  11:50   Yeah, 2004 right through Punta Gorda, Florida, where we build now. There was Hurricane Charlie came through. My dad's cousin, I have actually lived there at the time. I mean, that place got decimated. Keith, it got absolutely decimated, and the government called timeout. They said, timeout. Okay, we got to stop this. New rules. Moving forward, we're going to change the structural design requirements. We're going to change the elevation requirements. This is the big one. So you know, back in the day, you and I, if we were back in 1962 in Fort Myers, Florida, we could build a house at two feet or three feet above sea level. Those days are gone. If you're going to build a property like going back to Punta Gordon, now today, you have to build it 13 to 14 feet above sea level. So that means builders like us got to bring in a lot of dirt, and we grumble and complain about it until a storm goes through and we have no flooding on any of our properties. But that was a requirement, then stronger fasteners and structural design, because they just didn't want that risk or this type of damage. And it's been interesting, because they've been two hurricanes, you know, since 2004 that have really gone right over the eye. The main power of the storm has gone through. Punta Gorda. I've actually showed this on some videos that we've done on YouTube, like the flyover the next day, and you would think, Oh, well, maybe there was like a strong wind that went through, because there's palm fronds down and some fencing, but the houses are intact, and it's because things had to be rebuilt to today's standards. So I always tell people, hey, you know, we'd love to help you get a house, but if you're just going down there to find a house, I would highly recommend you look at the elevation and look if your house was built before the year 2004 or after, because that is really when things started to change. Not that a house earlier might not have what you're looking for, but elevation is such a key component when you're near coastal areas in Florida, the elevation of your home.   Keith Weinhold  13:41   Is it that simple? Pre 2004 you're likely to pay substantially higher insurance premiums on your Florida property than you are if the build year was 2004 or later.   Jim Sheils  13:52   It's a main component, Keith, another component will be to that is, you know, how close are you to the beach? If you're within, you know, a half a mile of the beach that can have an on lower ground of an older property, those combinations for risk analysis for an insurance company will come up not in your favor, and so you have to put that into account too. Again, the further you move inland, especially the further you move north, and the further you move inland in Florida, the insurance premiums go down because the risk assessment of the last 100 Years of hurricanes has been so much dramatically lower of actually causing issue.   Keith Weinhold  14:29   We'll talk about the Florida areas that you build in later. But first, let's just pull back. Talk about statewide. How bad is it? How bad is it with the overbuilt condition in some segments of the residential market, and how that's led to price attrition, a lack of rent growth or rental occupancy rates that are hurt potentially. Can you speak to that? How bad is it now,   Jim Sheils  14:54   again, going to the segment of the emotional market, so we're talking 20 to 30% above the median. In price in an area that's going to be bad, that's where you're going to have to have downward pressure. You're going to have to your property may have appreciated Well, if you did in 2020, but you're not selling a peak pricing. You're going to have to come off your numbers a good amount, because there's not as many buyers. And also, you got to remember, coupled with that pricing coming down, it's also the interest rates we got pretty spoiled. You know, three and a half percent interest rates, two and a half percent interest rates for some homeowners, that's just not the norm now. So when you're going off those numbers, the affordability, the ability to make that payment, has really been affected. So that emotional market, I think we're going to see a continued softening in that and again, in that emotional market too. To what I saw was, and I own some short term rentals, and I like short term rentals, but what we saw there was a rush, like, almost like a California gold rush, here in Florida, to people coming in and buying what they consider a short term rental, which was not really desirable for short term rent. It could get a few people here and there, but they would buy it, this emotional market, and then the numbers wouldn't work out. Now that, as well, is starting to put pressure on people saying, Oh, I'm losing so much money every month. Let's just sell and again, that emotional market, that area, 20, 25% 30% above median value. That's where we're seeing that. So you're going to see some pressure downward of that, I'd say at least another 10% because there's already been a dip in some areas 15 to 20% so there has been a correction in those and I think we'll continue to see that until some of this stabilizes.    Keith Weinhold  16:32   Talk to us about how the rental segment's doing, statewide   Jim Sheils  16:36   rental, we saw a stagnation for about a year and a half to two years, and just in the last six months, we've seen an increase in some of our main markets here. Again, when I say they main markets here, I'm always speaking, because that's what we stick to, the workforce housing. So we've seen workforce housing some of our main central Florida markets and some of our Northeast markets go up another 50 to $100 which was great, because it was stagnant for about two years. About two years. And then you'll see a continued dip of probably, you know, 10 to 15% on some of that emotional market rentals, because now there's a rush to try to rent them, and again, there's not as much of a demand for that segment of the market.    Keith Weinhold  17:17   We're talking with a prominent Florida home builder about Florida's temporarily overbuilt residential housing type. We've already learned that 2004 is a key year for what your insurance rates are likely going to be. We've also learned about how you need to segment these residential housing markets between workforce housing and the emotional side of the market. You're listening to get rich education more when we come back on Florida real estate, I'm your host, Keith Weinhold.   Keith Weinhold  17:46   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 Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com.    Keith Weinhold  18:18   You know what's crazy, your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little is 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family tp 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866,   Kristen Tate  19:29   this is author Kristen Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You   Keith Weinhold  19:46   welcome back to get rich education. Jim is with us, a prominent Florida home builder, and it's so interesting to talk to a home builder today because you think a Florida is overbuilding Ground Zero, even though, paradoxically. Nationally, we're still in a somewhat under built condition, where there's somewhat of a lack of available housing supply. Now, back on our April 28 show, exactly three months ago today, which I know that you listened to Jim, that show was titled, is Florida real estate doomed? And the short answer is no and I gave a number of reasons for that. You don't want to catch a falling knife as an investor. One prominent reason that Florida real estate is not doomed, and you're not catching a falling knife, and this is so close to being 100% predictable, is the fact that the growth is going to be there. It always has been in Florida, the in migration has been remarkable. If you go back and look at every census over about the last 200 years, since 1830 Florida has grown substantially every single census, oftentimes and usually at a rate greater than the national average. So in migration is almost certainly going to continue, which, over the long term, will put upward pressure on prices, upward pressure on rents, and help with rental occupancy as well. When you have a vacancy, that next incoming tenant is going to be there, I think that's about as close to predictable as it can possibly get. So talk to us more about the dynamics in Florida and the in migration.   Jim Sheils  21:26   It's funny, Keith, last year the net migration, and you can check through all the stats out there. The net migration number for Florida, that means more people, obviously coming in than leaving, and the surplus was just about 470,000 so we still have a growth of 470,000 and people have set up. Florida. Net migration is over. And I'm going, well, it was pretty superb during the pandemic, but to say it's over when it's about a half million up from last year, I think would be a misconception for at the very least. So we feel the people are still coming, and we're asking, what kind of housing do they need? Do they need that higher end, emotional market housing? Not what we're seeing, what they're needing is affordability. They're going to areas where there's still great job source, there's still great affordability, and that's what we look for. Where can we still build a new construction, single family home for under $300,000 and have great job source close by. That's one of the things that we look for. Also, where is there that under supply of that workforce housing? There are very key markets in Florida that you know about that we build in. We're saying, yeah, there's lots of stuff on the market up there, but there is no supply of this workforce housing. We're going to keep building. And as you know, we have not stopped building the last two years, when a lot of people have run for the sidelines because they weren't in our sector of the market.   Keith Weinhold  22:48   Of course, you're very strategic about where you build geographically. Talk to us about where those places are   Jim Sheils  22:54   right now. Keith, my pick of the year has been the greater Ocala region, and I know we've been working with a lot of GRE folks in that region. Couple of reasons why, still had the strongest migration of any area in the US. And you can look that up. U haul had it as number one destination place. This was when I say greater Ocala. I look at Ocala, citrus springs, Inverness, that central Florida area. You know, still in some of those markets, Keith, we're building homes for 200 60s, 270,000 that's new construction, and enabled to get great rent and great financing, which no we'll talk about. And the job source is remarkable right now. In fact, interesting statistic, Keith, I know you watch this closely. In Ocala, the median price of a home is just around 300,000 main Ocala, you can get cheaper when you go out to citrus springs and Inverness, down to the 260s 270s but the median family income is 72,000 and when you look at that, that is a very good affordability index. That's very high average family income compared to a low median price, and that's bringing in more jobs. That's bringing in more security. Couple that with Central Florida being one of the lowest hurricane risk zones in the state. It's the highest ground. It's the furthest inland, in fact, to ensure a single family home on average in that area, about $65 a month for full coverage, wow, for a duplex, $105 a month, full coverage. And that's the advantage of new construction buying in the right areas or low hurricane risk zone and great job source coming in. So my favorite market right now, Keith, is that Central Florida, Ocala, citrus springs, Inverness, that's where we're building. Oh, that's also when people say it's overbuilt. Well, no, because we know that we're actually building for a few of the big institutions that have way bigger analysis departments than we do, and they're seeing that it's so behind on housing that people are finally going in. It was kind of an overlooked market all through the pandemic for the most part, and now it's finally getting people's attention.   Keith Weinhold  24:58   A couple months ago. On the show, I shared how a close friend purchased a new build Ocala duplex through you, the rents he got were even a little higher than you projected, and his insurance premium is $694 again, this is for a duplex. I forget. I think the purchase price was 400 to 420k on this new build property.   Jim Sheils  25:23   Yeah. And it's funny when people, we have lots of investors coming from all over, but I was in California's, know, for years. And when people hear a quote like that, like that, you just said 650, $6 they think that's for the month. And I say, No, no, no, that's for the year. And again, that's the misconception now, but you could pick up and you could go to a coastal area again, like I said in a 1952 duplex built at two feet above sea level that's had hurricane issues before, and your insurance could be $8,000 a year. Yeah, that's where you have to really shop before you actually pull the trigger on property. What are the taxes? What are the insurance? I mean, this is going back to core play, core strategy, but it's something you really have to look at   Keith Weinhold  26:07   talk to us about the product types that you're offering, all new build, and what percent of single family, duplexes and larger   Jim Sheils  26:15   the main majority of what we're building right now is single family and duplex. The numbers work great. They're in high demand. You know, duplexes are a pretty interesting product, Keith, because you can put them in single family home neighborhoods, and, you know, families that couldn't normally rent, afford to rent a full house there, can avoid an apartment building, still feel like they have their own home and afford to be in that neighborhood. So I'd say 80% of what we're doing is a combination of single family home and duplexes, and then, as you know, we still are building some of our quads, our four unit buildings in some areas of northeast Florida, like Jacksonville,   Keith Weinhold  26:50   expenses have obviously been on the mind of real estate investors. More so since interest rates doubled to tripled in 2022 you're selling to investors. Investors need the numbers to work. Since they're not in the emotional market, we're in the market where we're looking at numbers, and that biggest expense, of course, is your mortgage principal and interest. So you found a way to deal with high insurance premiums, because on most or all of your properties that you sell to investors, those insurance premiums are excessively low. Talk to us about what you've done with the mortgage rates, for investors   Jim Sheils  27:27   it's such an important point here, Keith, I remember hearing a warren buffett thing years ago saying, Well, I'm not really in the real estate and that, but for me, when I look at it, a house is worth what it can rent for. And that always stuck with me being Warren Buffett, even though he's not heavily invested in real estate like we are. But for get his sage advice on that that's always stuck with me. So when you're getting a property, yes, you want to have fair price, but the terms around it that actually produce the cash flow, or what's the condition of the property, where is it? But then the other fundamental numbers, what is your insurance? What are your taxes? And then the final big thing is, if you're leveraging, which I encourage, what's your mortgage? And so as you know, we're probably as obsessed with financing as we are with building right, cuz that's our model. We gotta build right. We gotta finance right. So we're always looking for the most advantageous programs where we can team up with banks. They'll allow us to pay an abnormal amount of points, which means discount points that we will pay, not the buyer, we will pay for our buyers to get the rate the lowest and most advantageous. We don't like short term teaser loans, where your rate's going to adjust in 18 months or two years. We saw a lot of people get in trouble with that, at least I did back in the Oh 708, days. So we want long term financing and low interest that's going to produce a cash flow, even though it's new construction from day one. And so right now, our newest program, as you and I have been talking about very excited, is actually a 40 year loan. It's a 40 year loan. We're paying the rate down. Right now we're at five and a quarter. A few weeks ago is at 4.75 so it does fluctuate back and forth. But here's what's exciting, Keith, you're leveraging into a new construction property that has longevity and durability. The first 10 years. Interest only the next 30 years is a 30 year AM, 30 year fixed at five and a quarter. So when you start to do the numbers and go through it, we're almost doubling cash flow on our single family homes and duplexes for people in areas like Ocala, and that makes such a difference to getting them off on the right foot.    Keith Weinhold  29:32   This is a key distinction. Rather than focusing on slashing the price and your properties are already affordable, you buy down that rate by purchasing discount points to buy down that mortgage rate for the investor at the terms that you just described. Builders often like this more. They don't want to cut their prices, because that can become a comparable and lead to a downgrade in values. And investors actually like it more as well, because rather than discounting the price. A little more. It helps the investor more. When you buy down that rate and you do it for them, they are not the ones participating in the rate. Buy down you, the investor. You're paying the closing costs like origination fee and title insurance and things like that. Okay with those 40 year loan terms like you laid out fixed interest only for the first 10 years, and then after 10 years, it transfers to a 30 year fixed, amortizing loan, still with that same rate locked in. Is that right?   Jim Sheils  30:29   That's correct. So there's no sometimes people think, oh, then it's going to trigger upwards several percent. It stays the same the whole 40 year term. We just go from interest only to principal and interest and again, you know, because you talk about the leverage all the time, the most important time to really solidify the strength of an investment and get cash flow going. The most pivotal time is in those first few years. Yeah, we feel we're really giving people that strong foundation to get a cash flowing right off the bat and be able to look long term. The great thing about new construction is people say, Could you hold it that long? I said, I'm planning to with some of my new constructions. Hopefully I'll be a little old man or my children will own them. But you can look out that far and know that you're jumping your cash flow in those initial years when a lot of people may be falling backwards. In fact, when we talked about those emotional markets where people bought higher end properties because they looked good and they felt good to walk through, and then all of a sudden they're bleeding month in, month out for a year, two years, three years. That's when they're ready to wave the white flag. We find with our model, with getting that rate really low, we're accentuating the cash flow forward those first few years, Keith, so they're ready to keep going after a few years, instead of raise the white flag.   Keith Weinhold  31:41   Yeah, when we think about how you're helping investors here while moving product at the same time, the number of problems that are solved are remarkable because you're solving the higher mortgage rate problem by buying down the rates. You've got a low rate, you've got a low insurance premium, you as the investor are almost certainly going to have low maintenance and repair costs since it's new build. And what else do you do when it's new build? The tenant, when they move in, they're the first person that's ever lived in that property, which probably means they're going to have a longer tenancy duration, because it's hard to move up and move into something better than the product you're offering, especially with low affordability for first time homebuyers. In fact, tell us about your average tenancy duration   Jim Sheils  32:21   yeah. So as you know, Keith, I did a ton of fixer uppers. First 15 years of my career, I wore that rehab badge on my shoulder with pride. I loved rehab and old houses. And look, that's great. That's a great way to get going. But I transitioned into new construction a decade ago, and so we've been able to do a lot of comparisons. And you know, back in the day, when I was fixing up lots of properties and renting them out, the older properties, my average tenant would stay about 13 months. It was a little over a year, get them for a year, and then there was move. But that was the average 13 months. Looking back now, and we've been doing this almost a decade. When you look at our new construction model, that went from an average of about 13 months to just over three years with our new construction product. So as you know, if all of a sudden we're pushing back that first move out from a year or 13 months to over three years, that's a tremendous way again to get the right footing and directional on your investment. So that was a really pleasant surprise. I did not expect going to new construction, but jumping from a year to three years has been a nice surprise.   Keith Weinhold  33:24   This brings to mind for you as a passive investor, it's sort of analogous to buying an existing business or starting a new one from scratch yourself, whether it's a rental car company or a tomato farm. You know, a lot of people wouldn't think about getting into business, they think about buying their own business, starting it from scratch, and that's really difficult to do when you're an investor. This way, you're not doing a fix and flip yourself, which is analogous to starting your own business from scratch. You get to buy someone's existing business. You're buying an existing property, a new build one, in this case, and that way you can look at all the financials already and have it be done for you in that all done for you sort of way, just like it is here. Well, Jim, do you have any last thoughts about the Florida real estate market today, especially with the lucrative product type that you're offering to investors?    Jim Sheils  34:16   I would just remind people do your homework, because there's apples and there's oranges, and you gotta compare the two, and you have to do the homework on which segment of the market is healthy and which one is not. I wouldn't recommend you invest in the unhealthy segment of the market, but look where the fundamentals are working. And go back to that term, a house is worth what it can rent for. And if you can look at that, and also couple with stability of new construction, this is where we've seen ourselves make the most money most success with the least amount of time for our investors. So I highly encourage that recipe for anyone out there.   Keith Weinhold  34:53   In addition to being a builder, Jim's company also holds properties under management. For investors, just like you, they offer that for you. For the long term, they have over 1000 current investors, many of them are GRE listeners. You can learn more about the provider at GRE marketplace under Florida statewide, but to get a free strategy session about the latest in what they have for available inventory, and also to compare this provider to other providers, the highest flex, the highest ROI move that you can make yourself as the listener for your due diligence is to connect with a GRE investment coach. It's free at GRE investment coach.com, oh, it's been valuable. Jim, thanks for coming onto the show.   Jim Sheils  35:38   Thanks for having me. Keith.   Keith Weinhold  35:46   Oh, yeah, hearing it straight from a builder today. And you know, a lot of builders create these nice looking, emotional Type homes, the same ones that appeal to owner occupants. They build those higher end homes because they create more builder profit. Well, that's the segment that has become overbuilt today, this build to rent provider we're talking about here is dealing with a public that reads these articles about the Florida slowdown, though things are still good in this workforce housing market. Well, because the public reads headlines, this builder still has to step in with incentives. So really, this is a case study on what a home builder needs to do to adjust to public perception more so than the reality. That's why Jim and his company keep building when others are they keep building because they keep selling to savvy investors, including you, the GRE listener, conversely, the overbuilt emotional market segment, that's where Florida single family home prices are often about 500k or more, and many of them have stopped building. It's that here, with this workforce housing, brand new, single family rentals sell for the high 200k to 300k range in the three hundreds and duplexes in the four hundreds. We've been working with this provider for nearly a decade, and I've asked them, what can you do for GRE listeners? And these are the best incentives yet, is they basically are making discounts in your favor to deal with this public perception. And they are an interest rate buy down that they make for you, like we mentioned, currently to five and one quarter percent. They're also giving GRE listeners two years of free property management, a rental Protection Program, a six month eviction guarantee and a 210 builder warranty. When you see a builder warranty expressed that way, that means they cover two years on the small stuff, 10 years on the big stuff. The latest pro forma that I saw for their single family rentals had a purchase price of 325k and a cash on cash return of nearly 7% when you include all those generous incentives. So if you're looking for a new market to expand into the time and place could very well be here and now, some people wait for blue sky and everything to be perfect before they act well, that never happens. This is about as close as you'll get today. You'll either keep what you've got or change what you're doing here, Jerry, we constantly shop the nation for you. Our coaches help show you where those deals are that they found. And this is a potential opportunity. Here you can get on the calendar of one of our investment coaches for free. And if you like, start by asking about Florida new build property with all the incentives that you heard about here on GRE podcast, 564 at GRE investment coach.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  39:09   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  39:32   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is. The Golden Age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   Keith Weinhold  40:48   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

Title: Build a Bigger Life, Not a Bigger Lifestyle: The Real Path to Freedom with Adam Caroll Summary: In this episode of Raise the Bar Radio, guest (Adam Carroll) shares his journey from a traveling professional speaker to building sustainable wealth through passive income strategies. After realizing the limitations of trading time for money, Adam developed The Shred Method, a cashflow reorientation system that minimizes debt interest and frees up capital to build liquidity and invest. By leveraging lines of credit and algorithm-driven cash deployment, individuals can rapidly pay down debts and reallocate savings into passive income streams like real estate syndications, intellectual property, and other alternative investments. Adam stresses that most high-income earners don't have an income problem - they have a liquidity problem tied up in low-access retirement plans and excessive spending. Finally, he expands on his philosophy of "building a bigger life, not a bigger lifestyle," urging professionals to align spending and time with their values to achieve fulfillment and financial freedom within 10 years. Links to Watch and Subscribe:   Bullet Point Highlights: Trading time for money is limiting. Adam shifted from paid speaking gigs to building passive income streams for true freedom. The Shred Method minimizes interest expenses. By using cashflow more efficiently through lines of credit and optimized algorithms, debt is paid down faster, freeing liquidity for investing. Passive income is key to wealth. Adam focuses on real estate syndications, ATM tranches, intellectual property, and digital products to generate consistent, diversified passive cash flow. Most people have a liquidity problem, not an income problem. Money is often locked in 401(k)s or spent wastefully — instead, creating accessible liquidity allows for opportunity-based investing. Building a bigger life requires intentionality. Aligning spending and actions with core values (like family, freedom, growth) leads to fulfillment — not just more stuff. The game becomes fun. Once passive income starts flowing, investing becomes strategic, diversified, and compounding — eventually replacing active income and creating financial independence. Anyone can implement this. While you can DIY, Adam recommends coaching to fast-track understanding and execution of the Shred Method. Transcript: (Seth Bradley) (00:02.094) What's up, Builders? This is Raise the Bar Radio, where we talk about building wealth, raising capital, and all in all, raising the bar in your business and your life. This is the No BS podcast for capital raisers, investors, and entrepreneurs who are serious about scaling their business and living life on their own terms. I'm (Seth Bradley), securities attorney, real estate investor, and entrepreneur, bringing you world-class strategies from the best in the game.   If you're ready to raise more capital, close bigger deals, build a better you and create true financial freedom, you're in the right place. Let's go. Adam, what's going on, brother? Welcome to the show.   Hey Seth, thanks for having me, man. I'm excited about our conversation today.   Yeah, dude, super stoked to have you on today. It's going to be an awesome show, man. Let's dive right in. Tell us a little bit about yourself, your background. Take it back as far as you want to. Yeah.   Well, for the last 15 years or so, almost 20 now, guess, I've been making my living, opening my mouth and just speaking on stages all across the country. Had the opportunity to do a couple of international gigs, which was a blast. And in the midst of all that, making my living as a professional speaker, I realized that if I was very similar to your audience, if I wasn't doing the deal, doing the gig, doing the engagement, I wasn't getting paid.   (Adam Carroll) (01:26.184) And so a mentor of mine said, the goal is not to go to work and get paid. The goal is to go to work and get paid, get paid, get paid, get paid, get paid, get paid, get paid. And so I started figuring out that what I really wanted to do with the messaging that I was delivering was turn it into sort of a mediapreneurship where I was a mediapreneur creating content, but then I'd get paid for the content over and over and over again. And that today looks like I've written a bunch of books.   I've got a documentary that I produced that aired on CNBC. And now we're starting to get into more of a SaaS business, which I'm sure we'll talk about. That's the shred method. But I, you what I do when people ask me, I tell them, I love to educate people about new and different ways of building a bigger life, not a bigger lifestyle. And I would say you and I have that in common, because I know you're doing that on the show.   Yeah, absolutely, man. I gotta ask, how do you become a professional speaker? I bet a lot of people are thinking about that.   The origin story is kind of interesting because I was a clothier at the time in Denver, Colorado. And I was literally going out and meeting with high level executives in their offices, selling them custom made suits and shirts and sport coats and pants and whatnot. And it occurred to me in the middle of a meeting at one point, an appointment with one of my clients that I didn't want to measure in seams for the rest of my life. And I'll keep it PG but   This guy was one of my favorite clients. He was irreverent and funny and wasn't afraid to spend money on clothes. But this particular day, he confided in me that he wasn't wearing any underwear. And I was just like, dude, JP, what? You knew I was coming here today. He's like, I know, I just forgot. I'm sorry. I'm sorry. And I walked out and I went, I don't want to do this anymore. I just don't want to do this. And the company that I worked for is a fairly well known clothier. But   (Adam Carroll) (03:22.55) Every day I would drive around in my car listening to motivational messages. You know, they were on CDs at the time. I'm going to date myself, but I would listen to like Mark Victor Hansen and Jack Canfield and Les Brown and Zig Ziglar. I would listen to all these CDs in my car. And Mark Victor Hansen said on one of the CDs that public speaking is one of the most noble professions because you get to travel the world. You get to change people's lives and you make a lot of money doing it. And I remember thinking.   That's what I want to do. All three of those things rolled into one. And so I reached out to a buddy of mine and said, dude, I don't think I'm in the right job. I need to be doing something else. He said, what do you want to do? And I told him, and you know how the universe kind of works in mysterious ways. He goes, well, Anne, who used to work with us, she works for a company that that's all they do is hire speakers. And so I sent in a tape, I auditioned, I got the gig.   And I was a W2 employee of theirs for about two years and then realized that I was being underpaid for the work I was doing, that I was actually probably one of the top 10 % of speakers on the roster. And then I realized that when you can make anywhere from a thousand to $5,000 an hour doing that, it was a pretty good paying gig if you were out on your own. I took the jump and have been doing it ever since.   Interesting man. I didn't realize that you could have a W-2 as a speaker I thought everybody that was speaking was getting the speakers that were getting paid, you know They were kind of doing it on their own. I don't realize there was kind of a there was a way to do it where there's a company that pays W-2 wages to speakers to speak it events. Yeah, it's interesting   It is interesting because there are companies that will hire you as a speaker to go and it may be sell their product or service. Or in this case, I was working for a company that was a division of monster.com, the job search company. And I was, I was speaking to high school and college students all across the country. And I probably presented to like 200,000 people in, two years time. So it was just a great practice run and a great way to cut my teeth on a very difficult audience. Because.   (Adam Carroll) (05:36.814) I don't know if you've ever been around a freshman in high school or a sophomore in high school, but they're like the most apathetic human beings on the face of earth. They don't want to be there. I could have lit myself on fire and they'd been like, cool, what else you got? And then when I realized that there were speakers like me that were out who basically just said, this is my topic. This is my specialty, if you will. And here's the rate. And the more they spoke and the...   we have a theory that the more you speak, the more you speak. So once you get out, you hang your own shingle and say, I'm a speaker in this topic, people begin to know you as that person. And then word gets around and obviously you have to not suck on stage. That's part of it. But if you're great at keeping audiences attention, and I really studied NLP, neuro-linguistic programming to use the right words, I studied comedians to figure out what was funny and what wasn't, and it just worked.   Over time, I had more more bookings and at the peak of my career, I was doing like 70 or 75 gigs a year.   Wow, wow, that's incredible. Definitely didn't realize that was your background. I remember those folks coming to like the office and selling suits and doing that sort of thing. So that's pretty interesting. I'm sure a lot of listeners out there are familiar with that process as well.   Yeah. Yeah, it was, it was a great, it was a great gig. mean, I met all sorts of really phenomenal business people. And I think for me, it was, it was like confirmation that I had this desire to, to impact people. And my boss at one point, he was like, Hey, these people love you. They want you to come around. They love the discussion and the conversation. They need to buy stuff from you. And, and there was a.   (Seth Bradley) (07:01.639) sorry, go ahead.   (Adam Carroll) (07:26.574) It's kind of a realization for me that I didn't necessarily want to have to sell. wanted people to buy. And speaking makes it real easy to do that.   Hmm. Yeah, makes sense. Let's jump right into it, man. Let's talk about the shred method. A lot of folks will find this very interesting. I know that I do. What is it? And let's just start there. What is it? Tell us a little bit about it.   Yeah, the shred method, first of all, thank you for asking. it's, it's, for me, I don't say this lightly, but nothing has built more wealth for me and my family than following this model. And the reason for it is there are two great expenses that everyone has in life. And I'm sure all of your listeners, be they attorneys, doctors, other professionally degreed folks.   If you're in a W-2 job, you know this to be true. The two greatest expenses we have in life are taxes and the interest expense on debt. Those are the two greatest expenses. And a gentleman that I had met years ago who helped me with tax situations, just a brilliant, brilliant strategist, he said, Adam, if you focus on minimizing your tax liability, that will get you halfway there. And it's very easy to do, buy real estate, have depreciable assets.   you know, make personal expenses, business expenses, etc, etc. But he said, if you can focus on minimizing the interest expense on debt, this is like a video game that you can't lose. And so when I learned about the shred method, and this is known by a variety of different terms, some people call it an Australian mortgage, it's called velocity banking, we've taken those concepts and turbocharged them.   (Adam Carroll) (09:09.474) almost like putting nitrous oxide in a gas tank, you know, in terms of making it go faster. But the shred method is a unique tool and a way of reorienting your cash flow through your household so that it is being used to the most efficient use possible. And to kind of qualify that, Seth, if you were to leave your home in the morning to go to the grocery store, as an example, and you came back home, emptied the car out,   knowing you had to go to post office at like 4 p.m., would you leave your car idling in the driveway all day?   (Adam Carroll) (09:46.284) Nope. No, and why wouldn't you?   Wasteful.   Yeah, wasteful, you'd burn gas, it'd be hard on the engine. It's just inefficient, right? And yet what most people do is they get their income, their income gets deposited into a checking account, and it sits there for days, weeks, months, sometimes years on end. And we never really use it to its highest efficiency. Meanwhile, we might have debts, commercial debts, primary mortgages, might have student loans yet. And all of those are accruing amortized interest.   right? And you might say it's compound interest working against you to a certain extent. But at the very least amortized interest means that the majority of the interest you're paying on that debt is upfront, it's in the first one to five years. And so the shred method teaches people how to take that income that is being super inefficient in an account, and instead begin to apply it through a process that allows you to blast away   the highest interest or highest payment debts that you have, freeing up cash flow, building equity, and ultimately, and this is the key, creating liquidity to go buy passive income properties, if you will, or other passive income plays.   (Seth Bradley) (11:02.058) Interesting. Yeah, and we actually haven't had anyone on the show to speak about this method, whatever nomenclature you might use. So let's go in a little bit more detail. mean, what is the vehicle? What is this flow of money that you're talking about?   So, know, logistically, here's how it works. Money typically would just get deposited into checking. You pay everything out of checking your mortgage, your car loan, your credit cards, living expenses. And the gurus would tell you that anything extra should really go towards savings and investments, right? And for most people, it goes to Costco, Target and Dining Out. That's where it goes. You know, it doesn't stay in the account, doesn't go into savings. If it does, it goes there for a small period of time. I think that most people   don't really have a savings account, they have a put and take account, because they put a little bit in, take a little bit out, put a little bit in, take a lot out. So the way this works is the money instead of being deposited straight to a checking account gets deposited into what we call a shred account. And the shred account could either be a line of credit, or it could be just a side account of money that you have sitting there that has not been accessed in some time. And what we tell our users is that   you really want to have either a line of credit or a shred account that is one and a half to two times what your monthly net take home is. So if you're bringing home 10 grand a month net, then ideally you want either a line of credit or a shred account of 15 to 20 grand. And the magic of this is the money is going to flow into that account. But the shred method is powered by a piece of software that is based on an algorithm that's tracking your income.   your expenses, the interest that you're paying on all your debts, and how much discretionary money you have available at any given point in time. And essentially, we're leveraging that in really short bursts of time against your largest debts, which could be, again, student loans, could be your mortgage, could be commercial properties. And in doing that, what we're doing is we're saving copious amounts of interest, like literally tens to hundreds of thousands of dollars.   (Adam Carroll) (13:11.122) And in the process, we're freeing up a ton of equity. So people that are saying, hey, I'm paycheck to paycheck. It's hard for me to figure out how am I going to invest more money? We're telling them the money is going to come from the equity that you're creating in your properties by paying them down rapidly.   I love that because I can see where this is going to potentially free up some extra cash to invest. A lot of folks out there, including myself back in the day, we got caught up in this thing we call the golden handcuffs where we're just spending everything. Like you said, we're spending it on Target, on eating out, on things that we really don't need. mean, there's a time and place for spending money on having a good time and enjoying your life for sure.   But we just we tend to overdo it as our income grows our expenses grow right along with it And a lot of people that I talked to about investing they're like, you know I don't have fifty thousand dollars to invest in this real estate deal or a hundred thousand dollars in this real estate deal and it's like well Well, why don't you you know make three hundred thousand dollars you why don't you have fifty thousand dollars to invest in this awesome deal? Right or to you know, put aside for your emergency fund. Like why don't you have these things set up?   So, you know, we always have to walk them through, you know, the expenses is the issue. Really, it's what are you spending all this money on? we try to find how they can save on those expenses so that they can invest in these assets that are really going to set them financially free.   No doubt. And I think you hit the nail on the head. If somebody's making, and honestly, I tell people if you're making six figures plus $100,000 plus, and you don't have 10, 20, $50,000 ready to go, there's something fundamentally wrong. And here it is, we're sending too much money to our banker, and it just goes up in smoke. Right? We like to refer to it as the interest to income ratio, which is if you take how much income you make,   (Adam Carroll) (15:11.694) and you back out how much of that income is actually going to pay interest expense, it'll probably blow your mind. If someone's got a multi-six figure home or mortgage that they're paying on, and they've got student loans, and maybe they're driving a $50,000 to $100,000 vehicle with a payment attached to it, you're probably burning 50 to 60 grand a year in interest and not really thinking twice about it. So what this does is it starts to claw back some of the money that you're sending to your banker.   Which by the way, they make plenty of money. They don't need your money. That is the most profitable business out there is banking and lending. mean, literally, Seth, if you drive two miles around your property there, how many banks would you be able to stop at, do you think? Ballpark best guess.   Right, half a dozen.   Easily, right? And they're probably $10 million buildings minimum. Out there, they're even more, right? So, so this is the deal. They're profitable business ventures. And what we have to remember sometimes is we are their compound interest vehicle, right? Us making our payment every single month is what makes the banks all the money. And if we can game that system, if even for 12 to 18 months at the very beginning of our debt,   we can strip away a huge chunk of the interest that we would normally be paying them over the course of a decade or more. To your audience, that's how I'd say this is how you find the extra 50 or 100 grand because you do have it and it should be in the equity of your property and easily accessible as a liquidity tool. It just isn't because you haven't challenged the banking system.   (Seth Bradley) (16:57.073) Yeah. Now, is this something you can set up yourself or is this something that you need an expert to kind of walk you through? I'm sure if you could probably do it either way. It's just like anything else. You want to take the shortcut or not. But yeah, I just like to know your thoughts on that.   You're exactly right. I I could build a deck on my house if I wanted to and had three months to learn how to do it. Anybody can learn how to do this. My question to most people when they say, I do this myself? I'll say, yes, why haven't you? And for that, the investment with us is very minimal, mainly what it is is coaching and being able to help people get the logistics right. Because once they get it, it's very simple.   but there requires a little bit of retraining the brain in terms of how to handle your money and where the cash flow goes, because it's so, it's like so ingrained in us to live in the banker's business model, put money in checking, pay your bills, anything leftover goes over here. And if you look at it critically, the two groups that are really making money using the existing platform are bankers,   and any advisors that are accepting your money and then turning around and doing something with it. A friend of mine used to call it the helper class. So when the helper class has your money, they're making a ton of money, probably more than you are. And that's our goal is to begin to start to pull back some of the money from the helper class to keep it for ourselves to build those massive passive permanent streams of income.   Yeah, yeah, that makes sense. We tend to bash a few of those helper class folks. I mean, they're not all created equal, including some financial advisors and folks like that that, you know, they're okay people, but their interests aren't necessarily aligned with yours.   (Adam Carroll) (18:51.576) That's right. I would agree with that. I don't want to villainize them, but I think that personal finance is personal. The challenge that I have with anyone out there who espouses a certain way, mine included, is it has to be for the right kind of audience, the right avatar. From our perspective, the people that we help out are the ones who do want to break free from the W-2. They want to create massive passive permanent streams of income.   Over time, they'd like to build a bigger life, not a bigger lifestyle. So if someone's chronically overspending, got to have the newest of the new every single time, they may not be a perfect fit with our strategy because the goal is to continually increase your income while either keeping your expenses similar or even trending down over time, which is not to say that you can't expand where you're spending. Your income is increasing exponentially relative to your expenses.   we do that through the model that we're teaching people. So, you if you're a new car every six months or 12 months kind of person may not be a perfect fit. But if you're somebody who's like, hey, the debt's kind of oppressive, I want to get rid of it. And I want to build, you know, massive wealth for future generations, then generally speaking, we're a pretty good fit for for those folks.   Yeah, yeah, that makes a lot of sense. And I feel like there's, there's probably, it's probably a math equation, right? Like we can't necessarily do it on this show because it's, everybody's taking it in by audio for the most part. there's gotta be an algorithm and you could probably, you know, set those expense numbers and interest numbers that you're paying on your mortgage and other debts and what you're going to pay on that through the shred method and kind of see the savings and how you can grow that wealth year over year.   You're exactly right. It is super fluid. So if your income changes, your expenses change, we plug all that data in and hit recalculate and the thing automatically adjusts to whatever your expenses are. So one of the things that I would never fault anyone for is taking awesome vacations or buying a new car, whatever your choice is. Again, we're not going to villainize anyone for living their life.   (Adam Carroll) (21:06.67) But what we can do through shred is to say, hey, if you're going to drop 10 grand on a vacation, it's going to change your payoff by a month or two months or six months, depending on your income and discretionary income. And if someone knows that and they're planning on it, at least they're armed with that information as opposed to, gosh, we shouldn't do this, but we did or should we buy this $50,000 card? Does it make sense? Or 80 or 150 or whatever your number is.   We can show you exactly do it, just know this is what it changes in the process.   Yeah, yeah, I like that because you can just show them this is the impact it's going to have on paper before they do it and then you can make a better decision on whether or not you want to do that or not.   Absolutely. And furthermore, and you'll appreciate this, I know you're of this mindset, you'll get to a point where it's like, if you want the new car, then invest the money in a syndication or another property that puts enough money in your pocket, you can go pay for the car. But let your assets pay for your liabilities. And I think that's the main thing that many people, I'm sure your listeners, certainly folks that we engage with.   They don't have a lot of assets. They work hard, they make good money, but that is the sum total of their income, is active income. And our goal is to increase passive income over time where it supersedes your expenses because at that point you're financially free.   (Seth Bradley) (22:36.758) Right, right. What are some of the passive investments that you're involved in or that you recommend to people once they've implemented this system and they're trying to build those passive income streams?   Yeah, there are a number of them and I keep getting introduced to more and more all the time, Seth. I mentioned that, you know, that I was a mediapreneur and that the goal was to work, do the work and then get paid, get paid, get paid, get paid. So I started looking for other passive income streams. I really do love real estate. I've been invested in real estate for a long time. We divested of personally held real estate about four or five years ago. And   You know, I think I was too early to the party, but I thought the market was peaking and I thought I could get the max amount out of my properties. And I think I did at the time. And then we were introduced to syndications and we started really appreciating the fact that you could own a piece of a 350 unit apartment complex in South Carolina or Houston, Texas, or some other growing city and get a couple things, either monthly or quarterly income. You could get bonus depreciation.   And you basically got a K1 at the end of the year, which allows you to claim some of those expenses. And so we love syndications. We try and stack syndications on top of each other. they're coming due. They're selling every three or four or five years. So we'll put an amount of capital in knowing that it's going to turn over in short order. And we'll have another amount of capital to put in. And generally speaking, that capital amount just keeps going up.   So we love syndications. I've been introduced and we haven't pulled the trigger yet, but on ATM tranches where you can buy, have you heard this investment? Yep. So you can buy, you know, an amount of ATM machines where you're basically compensated on whatever the fee revenue on those are. There are many advantages to those. There are some drawbacks to it, but it's again, a passive income stream and one that's fairly consistent.   (Seth Bradley) (24:25.798) yeah, for sure.   (Adam Carroll) (24:44.59) Then I really like intellectual property plays. I will tend to invest in a business that has some IP and it may not cashflow right away, but I know that in two or three years, the IP is probably going to be worth something. It's more of a long-term play for me. I'm not going to put as much in it, but we have a couple of 25 to $50,000 investments in those kinds of deals as well. That, in addition to books and   documentary is still selling and things like that I'll keep doing. For me, the process of creating passive income is kind of a game. And so whatever the next thing is, I'm digging in, I want to learn it. total sidebar, but I'm trying to teach my sons and my daughter, this is the way of the future. It's not about working a nine to five and getting W2 and staying with the company for 30 years, it just doesn't happen anymore. It's about setting up   just perpetual income streams that allow you to live the way you want to live. And that, you know, I think that answers your question, hopefully.   (Seth Bradley) (25:52.174) Pardon the interruption, but we don't do ads. Instead, know that if you're raising capital for real estate, my law firm, RaiseLaw, is here to give you the expert legal guidance you need to raise capital compliantly and structure and close your deal. And if you're looking for a done-for-you fund-to-fund solution, Tribest is the industry's only all-in-one setup and fund administration solution. Visit Raise.Law and Tribest.com to learn more.   Yeah, yeah, that's right. You're preaching to the choir here, man. That's awesome. And you're kind of pretty deep into it. A lot of people will invest in a syndication and it is expensive to get involved, right? I mean, it's 50 grand or so or more to get into one of these things. And they're like, okay, I'm done. But you can't be done. You have to keep saving, keep investing. And you're in it to the point where past investors start really start accumulating wealth because they start stacking.   They start coming due every two, three, four, five years. You put it back in another one and they just compound on each other. And you're really accumulating this tax free if you stack them correctly. So it is an incredible vehicle once you get going. And it does turn into a game. I mean, you can look at your bank account or look at your personal P &L and just see how it's growing over five, 10 years. It's incredible. And you're not doing any work. You're vetting the sponsor, the market and the deal and really just the sponsor once you get really good at it.   and you keep reinvesting with the same sponsors that you like and there's no work involved, no tenants, toilets and trash, none of that.   Yes. Yes. And I think you hit the nail on the head when you find a sponsor you really like and you jive with, it's easy to roll the money over to them because they're constantly looking for the next deal. their reputation, their personality, everything is based on their success. they have a very, very vested interest to make you money. And so I don't think I fully realized when I was younger   (Adam Carroll) (27:50.35) the power of having the ability to write a 50 or $100,000 check. And once you get there and you can do 50 or 100 or get to a point where you can write a $500,000 or a million dollar check, things change drastically because there are syndicators out there that will take a million bucks. They'll pay you $90,000 a year guaranteed on the investment. You'll get bonus depreciation and write-offs and all of that. And you'll have like a...   200 % return on it within four or five years, three, four or five years. That's where you can buy a new car every year or two or three, because you need like a $75,000 or $80,000 write-off to your business. So you need a truck or you need a heavy vehicle,   Yeah, yeah, that's right. I mean, that's a good point. mean, people that have $500,000, a million dollars or more liquid, I mean, you can just look at a simple math and you get an 8 to 10 % return on that in cash flow, just in cash flow. You know, if you're living reasonably, you can live off of that. So, yeah, so you can be, you you don't need $10 million, $20 million to retire off of this if you invest in the right deals.   Totally. Totally.   (Seth Bradley) (29:03.926) and kind of spread it across, diversify in different deals, different sponsors, different geographies, different asset types. You can be retired if you want to. It's closer than people think.   I would agree. We have a theory that nearly everyone and certainly your audience could be free, done, done completely in 10 years or less. Absolutely. We call it a 10-year freedom plan. the challenge, think, Seth, and I would be curious your take on this, but I think the challenge for most people is not necessarily an income problem. It's a liquidity problem. So you make good income, right? And we talked about it. It's the expenses that factors in.   But where the majority of your investments go are probably in qualified funds. They're sitting in 401ks and Roth IRAs. Unless it's self-directed, you can't really access it till you're 59 and a half. And even then it's 59 and a half to 70 and a half, you have free rein access. Otherwise the government's regulating how much you take out without fees or penalties. That's a liquidity problem. And so the shred method takes that into account and starts to build   pockets or buckets of liquidity that you can draw from. The first is your home equity, or it could be equity in a commercial property. And then the next would be building a bank of money that you're borrowing from at some point in time, just another bucket. And the more buckets of money that we create, the more liquidity you have and the more investments you can get into, thereby increasing your passive income. So to your point, you do this well, it's like a video game you can't lose over time.   Yeah, yeah, that's right. And we've been programmed to think if we have a high paying job, we just put as much as we can into a 401k and we're doing the right thing and we're doing everything that we need to do and we're not and then everything that doesn't go into that 401k we're spending. So we're not saving anything else. We're not keeping anything else liquid. And we're just assuming that we're going to be okay because we put this money in the 401k. Well, like you said, you can't access it until you're 60 years old. That's right. Unless you take it out with a major penalty. So   (Seth Bradley) (31:10.062) You know, one way to do that obviously is to roll it over in an SDIRA or self-directed, I'm sorry, 401k, the self-directed, something that you have some control over. And then it does become liquid in the sense that you can at least invest it in things that you want to invest in rather than a financial advisor or just stocks, bonds and mutual funds. And then as you said, there's different ways that you can free up liquidity, a HELOC.   something like that borrow against a life insurance policy we've talked about infinite banking policies things like that there's there's creative ways to do it you just need to be aware of it most people just aren't aware of how to how to do that   Yeah, I think that's what's so valuable about your show too, man, is that we only know what we know. And there's an enormous amount that we don't know we don't know. So when I got introduced to syndications, and I got introduced to the ATM tranches, and I'm looking at these going, you know, there is risk, there's risk in everything. But the risk is so mitigated. And you don't realize that if you're writing $100,000 check, and they're saying, yeah, we're going to pay you 9 % guaranteed.   And these are some syndicators will promise an interest rate based on what class of investor you are, A, B, C, D, whatever it may be. But when I looked at that and I go, if I'm striving to get eight to 10 % in the S &P 500, and I have zero control over that, where would I rather be placing my money? That was something I didn't know I didn't know. And it's always fascinating to me to begin sharing this with people because   When I share the shred method, a lot of folks go, not too good to be true. If it's so good, why isn't everybody doing it? And what I'll tell them is because of human behavior and because the bank's lobbies and their marketing engine is so powerful. But it's not magic, it's math. We're taking mathematical principles, risk-based principles and applying it to real estate or finance and figuring out how to make an amount of money that will supersede what you're.   (Adam Carroll) (33:13.782) your W2 job is pretty simple. That's right. Yeah.   Yeah, pretty simple. It's math. Just got to get it down on paper, right? Yeah. All right. Let's switch gears a little bit. I want to quickly get into, you know, this concept that you preach about building a bigger life at work because I think that's, you know, inspiring and that sort of thing and really life in general, right? Tell us about that concept and kind of dive in a little bit.   Yeah.   (Adam Carroll) (33:37.964) Yeah, you know, this started, it would actually started from a conversation I had with a recent college graduate, and they had gotten an advanced degree, they were going into a high paying job. And I think they'd been at it for maybe nine months or so. And we were having coffee and this person said to me, I'm just not satisfied. And I said, Well, what what is it you're not satisfied with? And they said, Well, the issue is that I thought at this point in time after graduating, he'd be traveling the globe.   You know, that was what he had always romanticized was just tons of travel and do whatever he wanted to do. And I said, well, what's keeping you from that? And he goes, well, you know, I just got into this long-term lease apartment. go, okay. And he said, and I bought a bunch of furniture that I financed. And, and then it's like, okay. He goes, I have a couple of gym memberships, not one, two gym memberships, you know, each probably 80 to 120 bucks a piece a month had a car payment because he needed a fancy car. And I said,   Dude, it sounds to me like you're building a bigger lifestyle, not a bigger life. And what you're asking for is a bigger life. And that became almost a deep dive search for me on what would building a bigger life mean for me and my family. And what I did, Seth, was I started digging into what are my core values? How can I live according to those core values, not according to my neighbor's core values, you who may be drastically different than mine? And...   I ended up writing a book called The Build a Bigger Life Manifesto, which breaks down how do you do this step by step. And there are 10 core tenets. And the first one is you got to build on a strong values foundation, like understanding what is it truly you value in life. And if you're doing more of that, then your life should be fulfilling. And mine are family, freedom, love, growth, and connection. And if I'm fulfilling those five buckets on a weekly basis, generally speaking, I'm really fulfilled.   And so the second is have a bigger vision and a bigger vision for your life might mean I'm not going to stay in this job for the next 20 years and hopefully make partner. then hopefully, because we all know that as you get promoted in a W-2 job, it doesn't mean you work less. It means you work more. And so my bigger vision was I want to make my vocation, my vacation. I'm going to speak, but I'm going to speak in cool places that I can take my family to. People are going to pay me really well to do it.   (Adam Carroll) (36:03.368) and I'm going to do it X number of times a year. And then I started asking, and this is the third step, asking bigger questions. And bigger questions look like, okay, so if I wanted to do that, how would I get better at speaking? How would I get so good that people will pay me 10 or 15 or 20 grand to go do what I do for an hour? What would that look like? I started asking not how would I pay my house off early? How would I pay my house off by the end of this year?   And when I asked that question, answers started coming and we were able to do it. So this is kind of the layout of how we walk people through this process. And for me, a bigger life today is just that, you know, I live for my family. I want to travel with them. I want to have tons of fun with them while they're still in the house. I have two teenagers and one in college. And soon, you know, eventually they'll be gone and it'll be my wife and I going and living the life that we most want.   Our lifestyle right now is pretty locked in. We have a beautiful home, we drive nice cars, but everything's paid for. And at this point, the goal is just to continually create massive passive permanent streams of income that afford us the ability to be generous, to live the life we want. And ultimately for me to be able to go share that message with other people.   And something so simple that you did there, it's just, you know, ask yourself what's important. A lot of us don't take the time to think about why we're upset, why are we not happy. And a lot of it comes down to not filling those buckets that are important to us on a regular basis. to be able to figure that out, you've got to take a few moments to think deeply about what it is that's important to you.   100%. And I'll give you a great example, Seth. One guy that we worked with, he realized that one of his core values that was not being fulfilled was adventure. So he loved his job and he goes, I don't know what it is, I'm just dissatisfied. And we went through the values assessment and adventure was on there. I go, well, where are you getting adventure? And he said, you know, that's the problem. I'm not, I haven't had an adventure in two years. I said, so maybe in building your life,   (Adam Carroll) (38:21.538) we need to figure out where are you carving out adventure for yourself or your family to make sure that you're doing it. For him, community was a big part of it. And he was getting some of that in his day-to-day client interactions. But what he really wanted was to build a community of friends that would go do stuff together. And I said, that's on you, man. If you really want that as part of your life, you got to build whatever that looks like.   And what if you combine that and adventure? So you get a whole group of adventure seekers that get together three times a year to go skiing in Aspen or, you know, go skydiving on a weekend or whatever it is. What would that look like to do that? And he lit up and you know, I could do this right now. So to your point, I think we're all very, very close to having a fulfilled life and building a bigger life. But you do have to take time to figure out what does that look like for you.   For sure, for sure. And a lot of the folks listening are attorneys and doctors and they tend to have high suicide rates, all these crazy things, substance abuse. people from the outside looking in think, why? Because you're making all this money. You have this high profession that everybody looks up to and you're not unhappy. And that's why, because those folks...   folks like us, we're just really focused on just that occupation. And that's it. And we don't focus on some of the other things that would fulfill us and make us happy. tons of attorneys I talk to try to get, they're like, how do I start investing as quickly as possible? Make as much money as quickly as possible so I can get out of this job because I hate being an attorney or I hate being a dentist or whatever it is. But really, that might not be the issue. The issue is that you're not filling up those buckets outside of your   career. And if you were to start filling those buckets, start paying more attention to those things, you might not be as unhappy in your career. And you might actually find that you enjoy what you're doing because you're good at it. You worked really hard to get there and you're making a good bit of money doing it.   (Adam Carroll) (40:22.06) No doubt, no doubt. I would add to that, that I think the majority of professions that you just listed, dentists, doctors, lawyers, et cetera, what they really want is they want to maintain professional status, do what they do, they've gone to school, they've learned how to do it. But over time, they want to work less and less, not more and more. And if you're doing what you recommend on the show, and if you're leveraging something like the shred method to create it, you can get to a point where   half or more of your income, ideally all of it, is replaced by passive income. But it requires that you get really focused on working for the right reasons and not filling in the lack of fulfillment or unhappiness with a new car or the next do-dad or spending a fortune on something. Instead, decide, I'm going to go get into an investment this year that will begin the process of creating passive income for me to start building the life that I truly want.   And it is, it's pretty transformational once you figure out how to do it and what the next steps are.   Yeah, it's like the matrix. mean, you start kind of, as soon as you start, it becomes a game, how you said it earlier in the show, and you just start seeing things that you didn't see before. You start being presented with new types of investments and businesses that you can invest in that you never saw before, but they were right under your nose. It does turn into a fun game, a money game.   Yeah, no question. I was at a conference not too long ago and they were calling me Morpheus because I made a reference to the red pill or the blue pill. And they were like, dude, you're Morpheus. I just took the red pill. Now I'm going down the rabbit hole. So beware. Are you ready to take the red pill?   (Seth Bradley) (42:08.374) Love that, love that. All right Adam, before we jump into the freedom four, what's one last golden nugget for our listeners?   A golden nugget for your listeners is that money today is abstract. It's not a concrete thing. Several decades ago, you would be given cash or you'd pay for things in cash. And today, virtually everything is a cashless transaction. And when we're not using cash, it doesn't feel real. If we're using Apple Pay or we're swiping our card or tapping our card,   It doesn't feel real. In fact, there's no pain sensor that triggers when you do that. The opposite is true on Amazon. When you hit one click ship for $47, a pleasure sensor actually is activated because you're in anticipation of that thing coming to you. So we also have to realize that the more money you make, it feels like, well, the more you have to spend. But because money doesn't feel real, you're spending way more than you think you are.   because of the abstract nature of it. So some of that is like reigning back in and understanding these are real dollars that you're putting on a card or swiping on your phone or whatever it may be and deciding is this the best intentional use of this money or could I be using it to build the life that I truly want? And I will add to that Seth that it's very short. There's a short amount of time that it requires you to function just a little bit differently.   order to get there where all the passive income covers your wants. So just like intentionality for the next 12 to 24 months will make a massive difference in your life.   (Seth Bradley) (43:48.502) Yeah, that's all it takes. All right, let's jump into the freedom four. What's the best thing you do to keep your mind and body healthy?   I am part of an exercise group called F3 and it stands for fitness fellowship and faith. There's like 75,000 guys all over the world that do this every morning. And we get up, you know, rain, sun, sleet or hail. I mean, we were working out in like eight degree Fahrenheit weather this winter outside. It's always outside. And I love it. I do it four or five, sometimes six mornings a week. But for me, just getting up the first hour of my day will   will dictate what the rest of my day does. And so my F3 brothers and I, that's the right way for me to get started.   awesome. With all your success what is one limiting belief that you've crushed along the way and how did you get past it?   you know, this is, this is going to sound a bit like an oxymoron statement, but a limiting belief is that, man, there's so much opportunity. And for me, I'm a bright, shiny object guy. for years, my wife was like, just pick one opportunity, please just pick one. And so for me, it's, you know, it's the fact that there is so much I can do limits me because you can really get very, very good at one thing.   (Adam Carroll) (45:08.078) But I'm a big fan of James Clear and the book Atomic Habits. And he'll say that it's hard to get traction when your focus is divided. And so I've been really intentional about zeroing in on my focus and knowing that this is what I'm setting out to do. And it may be for 12 months or 24 months or five years. And I'll reevaluate along the way. But I've got one thing and I'm really focused on that. So that's been a limiting belief I've had to get over.   Awesome. Awesome. What's one actionable step our listeners can do right now to start creating more freedom?   Well, go to the shredmethod.com not to do a self plug, it is. Go watch the masterclass, see what we do and how we do it. If you are already intrigued by this and are wondering like, what should I do with a HELOC or should I have a HELOC? My answer to everyone is everyone should have a HELOC, everyone. If you have equity in your home, why do you not have a line of credit? If for nothing else to have that is an emergency.   of some kind. So point blank, the first thing you ought to do is go access a line of credit, be it a home equity line, a personal line of credit, a P lock, or a B lock, a business line of credit. can also do a cash value line of credit. But I think you got to have one of those because when you understand this method, this process, that's a linchpin to making this work.   Great. How is passive income made your life better?   (Adam Carroll) (46:42.698) you know, I like to call it mailbox money and, man, love mailbox money. When it shows up, I celebrate and I've, I've had a mantra for years that I'm a money magnet, that money comes easily and frequently, that I get more checks in the mail than I do bills. And I just repeat those mantras over and over again. So every time I set up another form of passive income, man, it's just like a win.   that you feel deep down inside. And it doesn't matter, Seth, if it's 50 bucks or 15 bucks or five bucks or 5,000, right? Total sidebar, real quick story, but I was sitting with a buddy of mine at a conference and he kept showing me his phone and he was clearly showing off. But every time he'd pop up his phone, was like another sale was made. And it'd be like $27, $170, $300. And I go...   Dude, how are you doing this?" And he said, I set up these funnels and it's just a little digital product I created and we're doing ads and we're putting all the people towards these ads. And I said, so how many of those do get a month? He goes, I don't somewhere between $9,000 and $10,000 a month is coming in. And I remember feeling giddy for him and giddy about the idea that this could be possible, that you could just do whatever you want to do every day. Go fishing, go surfing, be on a sailboat somewhere and pull up your phone and be like, well, this is cool. just made...   $800. So for me, we have started to build that into what we're doing. I now get alerts on my Apple Watch. It's a Slackbot. So every time a sale is made, it pops up. we went to Mexico over spring break and the vendors on the Mexican beaches, they bless themselves every time they make a sale. And so now when a sale pops up on my Slackbot,   I'm like, all right, I made a sale. This is awesome. So how has it changed my life? I'm more grateful. I sleep well at night. I have peace of mind. And I know that, you know, future generations are going to be taken care of by the wealth that my wife and I are creating.   (Seth Bradley) (48:45.29) I love it, All right, Adam, this has been incredible. We're going to let listeners find out more about you.   Well, you can find out more about me personally at adamcarroll.info. It's two R's, two L's, adamcarroll.info. And again, if you want to check out the Shred Method, we have lots of free resources. So you can go and do a ton of research. We have a savings analysis there that you can plug in your numbers and see how much you could save and how quickly you could be out of debt. All of that is available at theshredmethod.com.   All right, brother. Appreciate your time. Thanks again for coming on the show and we'll to have you on again soon.   Love it, Seth. Keep doing what you do, man. This is super important stuff.   Alright brother, talk soon.   (Seth Bradley) (49:28.578) Thanks for tuning in to Raise the Bar Radio. If you enjoyed today's episode, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Keep pushing, keep building, and keep raising the bar. Until next time, enjoy the journey. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Adam Carroll's Links: https://www.threads.com/@adam.carroll/ https://www.instagram.com/adam.carroll/ https://www.linkedin.com/in/adamcarrollspeaks/ https://www.facebook.com/AdamSpeaks/ https://x.com/adamcarroll https://open.spotify.com/show/1fPEUnWdnbcOcbYdksY1Yi https://www.youtube.com/channel/UCJREGkPP6UwMucJMPvDS8xg

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