Podcasts about Burlington

Keith breaks down where the U.S. housing market appears to be headed and which regions and states are quietly winning or losing in the population shuffle since 2020—and what that could mean for real estate investors.  You'll also hear about an intriguing cash-flow play in single-family rentals in select Southern markets. Then, Keith is joined by financial strategist and comedian Garrett Gunderson, who challenges the usual "scrimp and save" advice. Together, they explore how to build real wealth without sacrificing your life today, how high-net-worth individuals often get money wrong, and a different way to think about financial independence, freedom, and investing in yourself. Resources: Get Garrett Gunderson's Killing Sacred Cows audiobook free: DM @GarrettBGunderson on Instagram with the words "Keith Cows." Episode Page: GetRichEducation.com/595 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, is the future direction of the housing market trending up or trending down? Which states have seen the most population growth? Then powerful wealth mindset tactics with a financial comedian today on get rich education   Speaker 1  0:20   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests and keep top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:04   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:38   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:54   Welcome to GRE from Mount Rainier to Mount Rushmore and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education. I am not a Lambo driving influencer that will take any brand deal just to shill a gambling platform instead. Our core strategy at GRE is aging. Well, I've spoken with a lot of LP investors with capital calls and deals that lost all their money. Well, we approach wealth building with discipline and consistency. It doesn't sound dazzling, but it really shines when things go wrong elsewhere, because at least for the core of our portfolios, we get long term fixed rate debt for income property get paid five ways and win the inflation triple crown, and we do it all with a high degree of passivity. Right before I took the mic today, I got a two sentence email from a property manager that said an air conditioning unit's air handler board had to be replaced for $420 I don't even know what an air handler board really is. Now, the manager sent some photos in a written estimate. I quickly checked chat GPT, and I saw that the price was about right, and replied to my manager to go ahead and have that done. That's it an example of relative passivity. US residential real estate has nominally appreciated over every single 10 year period in modern history, despite some occasional short term downturns, even those are not common. Well, we recently had a guest mention that it's 20 years at the longest like 20 years or less is the period of time between which real estate never goes down. He was right. But you actually can't find any 10 year period where home values fell. What about the 2008 global financial crisis, I think that's the first place that the mind goes. Well back then, home values bottomed out at 208k in 2009 before they started growing again. And 10 years before that, the median price it was 157k in 1999 so even when home values hit their GFC low at that point, they were still up 32% from the previous 10 years. So you can confidently say then that over any 10 year period, home prices are up nationally. Now, how about the future? Well, for the future, there is more evidence of rising home prices. Building permits for new homes have fallen to their lowest level since 2019 that's according to the census bureau. So fewer single family homes are being built. Now we plan to discuss that more on. Next week show when we dive deep on does America really have a housing shortage? But this week, more reasons for future home price bullishness is that the labor market now, it's not doing that great. It sure isn't white hot, but unemployment, which was already low, that recently dropped a touch lower to just 4.3% inflation has fallen to 2.4% and wages are rising faster than that. In fact, our own Fed Chair recently remarked at how he's surprised at the strength of the economy. The property market analytics firm kotality, they now expect home prices to appreciate another four and a half percent this year. They and other firms continue to believe that the Midwest will be the hottest area of home price growth even more than that four and a half percent in that region. That is because not only is the Midwest underbuilt, it's that the prices are so affordable that it's attracting young people. The other factor is that mortgage rates recently dipped just below six into the high fives again, and that can release this pent up housing demand, and think about where we've come from. In late 2023 mortgage rates were about 8% and now lower mortgage rates also reduce the lock in effect, so it can create both more sellers and more buyers. The thing to remember is that 70% to 80% of home sellers are also home buyers because they've got to live somewhere. And first time homebuyers, of course, they buy only, they don't sell anything. In fact, former GRE guest in housing wire lead analyst Logan modeshami and Barry Habib were just positing on this at housing wire's latest summit on how the volume of home sales has been depressed for so long that lower rates could very well trigger a rush of buyers, these kind of people that have been delaying purchasing for years, this pent up housing demand being released if indeed rates go lower. People think they know the future, but we don't really know that that's going to happen for sure. But a lot of optimism about this phase of the housing market supported by not great, but decent economic conditions. Of course, that new housing demand is going to manifest unevenly across the nation. So let's talk about the places that have seen the most population growth from 2020 to today, basically the states that support that housing demand. Well, between 2020 and today, the US has grown by about 10 million people. That's over 3% nearly every state grew. But the bigger story is where that growth is happening. And really, here's the jaw dropper as a region, the South, gained more people than all of the other regions combined, about 7.6 million new residents in the south since 2020 the South's population is up 6% the West's almost 2% the Midwest population is up more than 1% and The Northeast up seven tenths of 1% again, this is not per year. This is total population growth from 2020 to today, Florida and Texas, they led the nation among the big states, both up almost 9% sprinting like they just found out that income tax is optional. The Carolinas in Tennessee are big southern growers too. People clearly keep moving toward warmer weather, a lower cost of living, lower taxes and job markets. Nothing new there. California in New York are the biggest losers in absolute numbers, California losing half of 1% of population in New York, a full 1% people keep moving away from these traditionally expensive, high tax coastal states like a buffet when the crab legs run out, people just getting up and leaving. That's not any sort of news story there, either. These trends help cash flow residential real estate investors like us, because the south aligns with that favorable landlord tenant law and those high ratios of rent income to purchase price. Luckily for us, that's where people are moving too. The Midwest has those phenomena as well, although their growth has been slower.    Keith Weinhold  9:39   Now a few Midwest highlights for you. Since 2020 the population of Indiana is up 2.8% quietly benefiting from Illinois. Escape Velocity, Missouri up almost 2% and that's growing mostly in Kansas City and St Louis suburbs. Ohio at almost 1% that's pretty modest growth overall, but Columbus up 5% that is flexing like it just landed a semiconductor plant there in Columbus, the intermountain west has bicep bulging growth, but it rarely works for us, because rents are only a little higher, but property prices are way higher. Yes, those pretty Rocky Mountain states, great Instagram, tough cash flow now Louisiana, it is a state that confounds people. It's a warm place, and it has a low cost of living, you would think Louisiana would be attracting people in droves for those reasons. Well, then why is its population following Louisiana down nine tenths of 1% since 2020 Well, you've got bleak job prospects that make Louisianans leave its tax competitiveness ranks 31st property insurance costs are high thanks to environmental risk. Louisiana has more swamps than beaches. Even the NFL saints were six and 11, and if they had made the playoffs, that wouldn't have made people move back. And hey, no personal shade here, I enjoy going to the New Orleans investment conference in Cajun culture, in Airboat Tours through the alligator filled Bayou, fun stuff, but for income producing property, you got to seek out different characteristics than just vacation Glee or how Good the gumbo tastes keep emotion separate from investing, Hawaii is America's biggest percentage loser. Its population is down one and a half percent since 2020 its cost of living is stratospherically high, with a median home value of just a little over a million dollars. That results in net outmigration to the mainland parts of the Aloha state now experience natural decrease. That means that deaths exceed births. Natural decrease. That's mostly a phenomenon on the Big Island. That's not where Honolulu is. That's where you have Kona and Hilo when young people can't afford to stay demographic gravity kicks in population loss. Hawaii is also highly dependent on tourism, meaning more volatility in recessions. It has contractor availability issues and higher repair costs, partly due to shipping materials to the remote islands. What about the upsides of Hawaiian real estate? Well, you're just going to have this inherent, strong, long term land scarcity and lifestyle desirability overall. Hawaii isn't bad. It's just hard. And I like Hawaii as a place to vacation, so the best times in my life were in Hawaii. Now, with all this said, These are broad generalities about states which are big places themselves right now. There are certainly Missouri real estate investors listening to me that are actually losing, and Hawaii real estate investors that are winning, and even cash flow positive. I'm talking general trends here, and this is with respect to long term rentals, not short term rentals. If your rent to price ratio is as low as point three or point four, like it often is near the coasts, well then you are speculating on appreciation. That's what that means. All 50 states have opportunity. All 50 states have no go zones. People keep moving south. That's a trend that the pandemic accelerated six years ago. More opportunity is concentrated there. That's got nothing to do with vacation excitement. That is population math, and I'm talking about swimming with the tide here in our Don't quit your Daydream newsletter I recently sent you that colorful population change map that I was describing some of there. More recently, I also emailed you that great and rare map of landlord friendly versus tenant friendly states mapped out and a lot of other great stuff.    Keith Weinhold  14:17   Before we bring in our firebrand guest, Garrett Gunderson, I just learned about a really strong opportunity for a provider of single family rentals and duplexes in Memphis and Little Rock. They're providing a locked in 5% interest rate and 5% property management for five years. Yeah, that's not a throwback to 2020 it's what mid south homebuyers calls their triple five program. They are the oldest and most trusted, maybe turnkey investment provider in the country, operating since 2002 and what they do is they offer these fully renovated, occupied rental properties in Memphis and Little Rock, two of the strongest cash flow markets in the South. With financing and management and rates that make the math work like it hasn't in years. So again, 5% interest, 5% property management fees for a full five years. You know those markets, they already had these investor advantage numbers with rent to price ratios mere point eight in Memphis and Little Rock. But yeah, that low 5% mortgage rate, even for renovated properties, not just new build. That's the kind of spread that turns a good deal into a great one. So to give you an idea, if you get a 30 year fixed rate mortgage loan amount of 125k with a 7% mortgage rate, your principal and interest payment is 832, at a 5% rate, it's just 671, so that's $160 more cash flow right there, and it's made a tad sweetener than that with just a 5% Property Management rate. And I don't know how long that offer is going to last, but it is available now and for the next little while, you can ask about it. When you visit mid southhomebuyers.com that's mid southhomebuyers.com and you can ask them about their triple five program. More next. I'm Keith Weinhold. You're listening to Episode 595, of get rich education.    Keith Weinhold  16:19   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre. You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Dani-Lynn Robison  18:08   this is freedom family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Brenda.   Keith Weinhold  18:24   Today's guest is someone that America knows as the long haired, bearded money guy in the past, he's drawn physical appearance comparisons to Jesus Christ. He's a prominent financial strategist. Founded an eight figure company, hit the Inc 500 he's both a New York Times and Wall Street Journal bestselling author. He is just an electric speaker, including appearances in front of dozens of billionaires. And he's just got this great way of speaking to financial freedom that hits you differently. He even has a comedy special that's great to welcome back to the show. Garrett Gunderson,   Garrett Gunderson  19:02   that's good to be back. Man. Is really good. Love your energy. Has a nice intro.   Keith Weinhold  19:07   Well, you give a lot of like, nice guidance to people that's somewhat different than they're used to hearing. You know, Garrett, I think a lot of the conventional guidance is, you know, it's not very far above Elementary School advice like, put your credit card in the freezer so you don't use it too often, but a lot of times you speak to either business owners or people that have already had some success, and I think a lot of your underlying mantra is, hey, you better live your best life now   Garrett Gunderson  19:35   I kind of feel like you are your greatest asset, and if you starve out that asset because you don't feed it with knowledge, or you don't invest in yourself, or you don't gain the skills that really matter because you're so addicted to scrimping and sacrificing and building your balance sheet right, trying to build savings accounts and retirement plans and doing all you can to pay off that mortgage. Yeah, you could become a millionaire on paper. But will you live like one? Will you enjoy your. Life. What about all the memories that you miss along the way? What about having quality of life today and creating a life you don't want to retire from? The wealthy people, they didn't get that way because they shrunk their way there. They didn't get that way because they were amazing budgeters. They built businesses. They created value. They learned how to, you know, sell or speak or market or have business acumen that grow business or to hire people, and having those systems that actually impact more people or more deeply impact the people that they serve, because it's about value creation and their value creators. And I think this notion of just thinking, Oh, I could just trade time for money and set money aside. Man, that's a really painful way to get to a million dollars, but Northwestern Mutual, they just put out an article that said, 32 or 34% of millionaires don't feel wealthy, because if you have money tied up in an account that isn't kicking off cash flow, it doesn't feel like wealth. You can't spend that net worth. It's just a statement if you don't learn how to create cash flow. And I love financial independence, where people have cash flow from assets to cover their expenses now their lifestyle is covered from that cash flow. Now they can reinvest every active dollar into themselves and their quality of life, into more cash flowing assets, into taking trips along the way, not just waiting until they're too old to enjoy it.   Keith Weinhold  21:13   You work with business owners all the time, and you've even worked with some ultra high net worth people that still seemed to scrimp and save. Do you think really, what is that the function of? Is it more of the wrong mindset or the wrong tactics when someone acts that way?   Garrett Gunderson  21:32   It's a mindset that's really kind of handed down to them? Yeah, maybe from their parents or grandparents or from a different era, like there's people that were, you know, in the Great Depression, that then tells stories to their family about how tough it was, and you never know when that money could go away. So you got to hold tight, and it's a scarcity mindset. So one of the wealthiest clients I ever had, I mean, this was a guy who he was worth a lot of money, but you would never know it. I saw him on TV one day. I was like, Dude, he needs new clothes, and we found a strategy to save him a bunch of money. He was just buying his inventory with cash or like, let's buy it on a plum card, and you'll get cash back. I just said, Just take 10% of that cash back, which was over $100,000 a month, and spend it on yourself. He's like, Well, I wouldn't know to spend it on I'm like, Well, how about some new clothes to start with? He's like, Okay. And then the next month, he bought a nest system for his house. The next month he bought a sound system. Eventually, saved up enough money to buy a Tesla, which he really wanted, like it was money that was there for him, but it changed his entire paradigm, because now he had a quality of life. He was very philanthropic and donated money. He built massive businesses, but he never treated himself well. He'd never felt like it was okay to spend that money because of his upbringing, because the way that his parents viewed money and the way that their parents viewed money, and it was always something that felt scarce. So it felt like, okay, will this go away? And the reality was, we just found money in your couch cushions, essentially. So why not enjoy it along the way? He eventually bought a home that he loved on the water, that he loves the garden. I mean, it was like a total transformation with that one simple thing to help him heal his relationship with money, overcome scarcity, because he was already highly productive. He just had to break free from this budgetary mindset.   Keith Weinhold  23:09   That's great. It was almost like, Dude, I can see it in you. Before we even talk. You got that code off the rack at Burlington. I swear you can do better than this. Come on, now   Garrett Gunderson  23:17    30 years ago, 30 years ago too. You know, it doesn't even fit anymore.   Keith Weinhold  23:23   Well, you know, I recently dedicated a complete episode Garrett to the way I put it is that the risk of delayed gratification is denied gratification. Now, there are some good things to be said for delayed gratification, I think, especially when you're younger, or you're just starting out in the working world, and you just tried to cover rent for your apartment and you don't have much else. Delaying some gratification is good. You need to form capital. You need to get liquid. I try to avoid saying stacking savings, because that gets people in the mindset of becoming super savers sometimes, and they miss out on returns. But what I mean about the risk of delayed gratification, being denied gratification, if it's taken too great of an extent, is, you know, I'm talking about the guy where, when he was 24 he used to say, Oh, I'm going to visit the Galapagos Islands someday. That's what I want to do. But you can just tell by the time you talk to the dude, when he's 48 he begins to use the past tense for things he wanted to do, for example, then he might start saying, Oh, well, I guess I never did visit the Galapagos Islands. You know, you can tell with people when they use the past tense, and that's when you know that their future is not bigger than their past, and a lot of that is the reflection of their financial status.   Garrett Gunderson  24:40   I got married at age 23 and the first two years, well, it was really like the first year and a half, maybe I was just such a miser. I gave my wife a $400 a month budget for an apartment, and we found out that there's places you don't want to live in Utah. I didn't know it, but she's like, is this what you want? And I was like, This doesn't feel like a safe neighborhood. And then you. Know, I was like, All right, maybe $600 I was still kind of really scarce. And my parents were like, Why don't you just live in our basement, rent free, and my wife's like, sex free. If you think that's where we're living, I'm gonna live in my parents basement, you know? Because I just thought money was something to save. So I saved me over 50% of my income. And a lot of people were like, that's amazing. Congratulations. Great job. And so I felt really good about it, and then I realized that my business wasn't growing as fast as this other person my age. I met him at an event, and a year later, he was doing better. And I was like, Dude, what's going on? I could hear it in your voice. I could hear like, you're just a different person. He goes, Oh, I'm doing two things. One, I just hired this guy, Steve D'Annunzio, and he changed my entire life. And I was like, I need to meet him. He's like, he happens to be here in Vegas. He's from Rochester. Introduced me. I hired him as my coach right away. I'm hearing all these people talk about strategic coach at the same event, and they had a booth. So I signed up for Strategic Coach, which meant I had to part with some of my money. Think it was $7,500 I hired Steve as a one on one mentor, and all of a sudden I was investing in myself, yeah. And I broke free from those chains of like, reduction and restriction into the game of production. And then I even had a situation where a woman called me out at the same event. This was a life changing event where she's like, I wonder what it's like living in a financial prison you built for your wife. It's like, Oh, see, that's what happened. I thought I was responsible, and building that responsibility that's actually building walls. And when I came home for that event, my wife and I started looking for our home. Within a few months, we found one. I bought a home. It was very easily within my means. I basically made as much as I paid for this house that we loved. We lived there for nine years. We built so many memories. You know, we had our two kids while we were there, I started host study groups, and that year, I grew my income by $170,000 with the coaching of strategic coach, Steve dnunzio And this woman, Nancy, calling me out. The next year, it grew by even more because the skills started to compound. I decided from that moment forward, I would spend at least $40,000 a year, which I might be able to reach for some people, but at least $40,000 a year on mentors. Is a guy named Alan. He writes my meal plans and my workouts, and I'm at 10% body fat because he knows exactly what they do. I do what he says. It was worth this $10,000 investment, because now I pay attention what I pay for, and I look at like if I'm my greatest asset, how can I create more energy? How can I create more value? How can I feel better about myself? How can I show up the very best version of I am, so I can deliver the most to the other people. And so I've always just been in amazing groups. I just got back from two different events in Beverly Hills around amazing people, learning incredible things that allow me to grow. I haven't spent a huge amount of money on a mentor last year to figure out something that I hadn't been able to figure out to this point. It's the same thing I did to become a speaker, to become a writer or even learn how to sell or market, you've got to invest in the skill, not just in the savings account. You grow yourself first, and then you grow your money. If you starve yourself out because you're in that miserly mindset, you're going to stunt your growth and never be fully fulfilled.   Keith Weinhold  27:56   You're your own best investment. And yes, this stuff is the varying definition of investing in yourself. Don't live below your means. Grow your means and all of that.   Garrett Gunderson  28:05   Grow your means and be more efficient within your means. I mean, the best way I know how to save is not overpay on tax, which 98% of business owners are doing that today. You know, don't overpay on interest, because you either restructure your loans, renegotiate your interest rates, reallocate underpouring funds to pay it off, or you remove investment drag. A lot of people have unnecessary fees and hidden commissions that drag on their investments. Or just design your insurance properly so it's more efficient. Those four i's, IRS, interest, investments and insurance show you how to keep more of what you make, take some of that money, build up your foundation so you have a peace of mind fund, so you have staying power, at least six months of liquidity and then invest more into yourself or learn how to create cash flow. This is the game the wealthy play. But the poor middle class, they think it's about paying off a mortgage and funding the retirement plan, and they will argue about it until it's too late, when they get there and now their homes paid off, but the property taxes are higher than their mortgage was 20 years ago, you know. Or they have home maintenance they have to take care of, or inflation has destroyed the value. Like if someone were to put away 100 grand and they wait for 30 years if they got 10% which the market did the last 30 years, if you reinvest dividends, they're going to have right around $1.7 million but if they have to pay 2% in fees, fiduciary fees, 12 b1 fees, which are marketing fees for the fund expense ratio, you know, the fees of maybe a retirement plan, and they now have 2% fees. It only goes to 1.1 million. Huge difference. And that 1.1 million if we account for inflation, even if we said inflation was low, like 2.7% over that 30 years. Well, by the time we pay for inflation and tax, guess what? The purchasing power value is like, 300 grand $300,000 that's a problem, and it's because they didn't learn to create cash flow. It's because they didn't learn to invest in themselves. It's because they relied completely on a market they don't control. I'm not saying the market is completely something to avoid. I'm saying we go in sequence. How do you grow your income for. First, then how do you keep more of the income you make with? You know, financial savvy and plugging leaks. Then learn to grow your money, but maybe growing your money. For some I like to think of like three dimensional assets, like real estate's three dimensional. It can grow in equity, it can create cash flow, and it has tax advantages. But my business is three dimensional, the more my business creates cash flow, without me, the more equity it has, and that business has major tax advantages. So most people are one dimensional, pay off a loan, put a money in retirement account. That's the poor, middle class. Wealthy people build a system where they've got three dimensional assets, equity, cash flow and tax savings. And that is a complete game changer, because then they can employ the buy borrowed I strategy, if you have assets like, you know, an individual stock, or if you have assets, like a piece of real estate or a business, you could borrow against it. There's no tax on that five for life, right? You keep refinancing. Or you can even do charitable trust to avoid the taxes upon the sell of those paying no tax when there's gains. Or you can pass it on to the next generation with a step up in basis, which means they get it at the full value and not have to pay the difference. And if you have life insurance, the life insurance will pay back the loan that tax free as well. So buy, borrow, die. I mean, it's a completely different thought process of defer taxes. If you defer taxes, I get it. You could do a Roth IRA or Roth 401. K Sure, that'll let you put after tax money in and grow it. But where's the cash flow? What's the underlying investment? How does it help you create financial independence? How does it help you does it help you grow your skills to become a better investor? We've been taught to be lazy, not that people are lazy. We've just been taught to be lazy with our money. We've been fed a narrative. I don't have the time, I don't have the skill, I don't have the interest, but I want to have it, so I just hand it over. And who do we hand it over to Keith Wall Street. Wall would you trust Wall Street? Like you flew to Frankfurt not long ago. Would you get on Wall Street airlines where they're like, hey, sometimes our planes go up, sometimes they go down. That would brand, and he'd feel inspired, right? Would you go to Wall Street, you know, hospital? Or like, hey, he lost one of your kidneys, and by loss, we stole it and resold it. You know, like, Wall Street doesn't have a brand. That's good. It's boiler room. It's Wolf of Wall Street. It's the movie Wall Street with Michael Douglas. You know, greed is good like yet that's what people put their money into. And you can go to any downtown and any major city, and guess who has the biggest buildings, insurance companies, banks and Wall Street investment companies. So you're taking the size of your home and shrinking it to build up their building and put money in their pocket. And their story is, it's because they're Ivy League, they're smart. They try to make it complicated, but you don't have to know most of the things you think you need to know about finance. The foundational things are important, how to protect your assets, how to design insurance, to transfer risk, how to have some liquidity, how to automate your savings. And then you focus like Warren Buffett would teach. He said, You know how people would become a better investor if they only had 20 investments they could make over their lifetime? He says, I don't diversify because I'm in the know. He's like, I'm a good businessman, therefore I'm a good investor and I'm a good investor because I'm a good businessman. I don't separate the two. Yeah, most people think he's a stock market investor. No, he buys out the companies in the stock market. Rarely does he have minority stakes in it. He does have some of that, maybe with Coca Cola and apple, but he bought a lot of companies outright, whether it was Geico, whether it was See's Candies, whether it was like he buys these companies, he's so far outperformed the stock market by billions of dollars from an index fund like what he has, versus someone that put the same money in an index fund, Warren has billions more from his investments than the person that put all their money in the index fund, even if it was the same amount. It's completely about strategy, not about luck.   Keith Weinhold  33:30   Yeah, it's the Andrew Carnegie, put all your eggs in one basket and then watch your basket. Yeah? Watch that basket like a hawk. Totally. Yeah. I mean, stacks mutual funds, they have what I call those five simultaneous drags. If you think you're getting a 10% long term return over time, subtract out inflation, emotion, taxes, fees and volatility. What do you have left? Not much. But there's no friction there. It is just the easiest thing to do ever since decades ago, 401 K contributions begin to become automated throughout your paycheck, sometimes even automatically, automated   Garrett Gunderson  34:04   values your permission opt out. It's easy. You have to opt out, right? It's Big Brother. You don't know what's best for you. And by the way, how crazy are four one K's. Part of the reason the market has gone up in value is because people consistently fund for one case, whether the market's going up or down, they're told $8 cost average. So that's artificially fueling the market. When we see the numbers, there's a buffet index, and it's like 2.9 times higher than what he's comfortable with, with the stock market, because of how overinflated the market is, partially due to inflation, partially because people put money in. But let's remember, why did 401, K's even come about? Because pensions failed. And by the way, these pensions failed and they had world class money managers managing these multi billion dollar pensions, but they didn't know about something called disinvesting, or didn't know enough about it. When the market goes down and pension money is owed, they still have to pull money out of the pension to pay the employee which disinvests, which pulls more money out of the account. So now instead of just being 10% down, they might be 17% down. And so even if the market comes back 10% it's 10% of only 83% of the money. So not even back to square one. And if it goes down a second year in a row, they're in real trouble. It starts to chip away at the principal, and they can't recover. And that happened to pensions, and they said, Oh, here, we can't handle these. We're going bankrupt. We're going to get rid of pensions. You take care of it. Well, guess what? Vanguard says, the average balance in a 401, k right now is $148,000 how someone's supposed to live on $148,000 even if you could get 10% that's $14,800 a year taxable, that's not going to do it. Even if you have a million dollars, where are you going to put the million dollars to get the return without risking it going down? Maybe you're going to be in treasuries at 5% that's $50,000 taxable per year. You're a millionaire on paper, but living poorly. That's why I'm here to call these things out. I think that my book Killing Sacred Cows, which was my original New York Times bestseller, which is probably how we met. Yeah, I rewrote it. I rewrote it, rereleased it in 2024 and I'll give people the audiobook. They just have to DM me on Instagram. Garrett B Gunderson and DM the word cows with Keith's name, cows and Keith or Keith and cows. I'll hook you up with the book for free, so you can learn about the nine financial myths. We're talking about some of them here, but there's also some comedy in there, so they can laugh after each chapter. I threw some comedy in there. You know, if you like my comedy, I'm not the funniest comedian. I'm just the funniest money comedian. That's the reality.   Keith Weinhold  36:33   When we had the very inventor of the 401 k plan, Ted benna, come onto the show, he revealed to us that when 401 K plans rolled out, they were first called salary reduction plans. They had to scrap that name in order to foster participation. But reducing your salary is still principally what it does to you. You got to think about it that way and blow up some of these myths. But Garrett, you've already given a lot of great technical information about what someone can do, how someone can think differently. Bigger pictures, we're sort of winding down here. You know, when I'm thinking about this whole delayed versus denied gratification thing, how do you meter it out right throughout your life? I mean, what's your earmark your family legacy? How do you meter it out, right so you don't have too much or too little at the end of your life?   Garrett Gunderson  37:15   I like to see this strategy of, like, what would the rockfellers do that I wrote about is, you know, the beginning before that strategy is you pay yourself first, which has always been around Richest Man in Babylon. Tons of books talk about it. My argument is you want to pay yourself at least 15% of your personal income, off the top, to a separate account. Once you get six months in that account, now you start to invest that money, but you build your stability with that peace of mind. And we want 15% because the luxury once enjoyed becomes a necessity. So you want more money in the future, not the future, not less propensity to you know, there's also, just like planned obsolescence, things break down. You have to repair them. Technological change, we're buying new technology that doesn't even exist. I have now subscriptions to a bunch of AI things that help me out, right? But I'm spending more money. There's also taxes, those could go up in the future, or 38 trillion in debt as we film this, which is a crazy number. And there's also inflation. If we give 3% to each of those five factors, that's 15% now again, use the four i's, IRS, interest, investments and insurance to find that money, not just budgeting. But then here's the magic. At least 3% of your income should go to a separate account called the Living wealthy account. That's your guilt free spending, value based spending account, so you enjoy some money along the way. These are the things that are the finer things in life that people might say are wasteful. You know, there's a book called unreasonable hospitality that talks about this, 11 Madison Avenue was the number one rated restaurant in the world. And, you know, will who wrote the book talked about they had 3% of their budget to just go wild on their customers dream making money, right? So to create the special experience in the restaurant, and even the bear, I think was season three, showed some of that process of how they do that. So I highly recommend taking a certain percentage. You get to enjoy along the way. It could be higher than 3% but start there, and you're going to feel better, you're going to have different energy, you're going to show up in a different way. And then from there, I just believe in having trust, so that your money's outside of your estate, and protecting financial predators so you own nothing but control everything. And I personally use life insurance. I use just standard over, you know, like basically properly structured, optimally funded whole life, so that death benefit will come in after I die. It allows me to spend more of my money and then have it replenished so I can enjoy more of my money along the way, because I know that death benefit will be there for my wife or even for my family trust after I'm gone, so I don't disinherit the people that I love.   Keith Weinhold  39:31   Garrett Gunderson, he can take you through these steps, which he calls financially fit, to financially independent, and then finally to financially free. Tell us a little more about that going through those steps.   Garrett Gunderson  39:44   So financial fitness means your financial house is in order. You've got everything handled properly, car insurance, homeowners, liability, disability, medical life insurance, your corporate structures as a business owner, how you pay yourself, your taxes the last three years and move. Moving forward your investments. It's like, you know what it's going on. You've improved your cash flow, and you're dialed in. You're as safe as you could possibly be. Then financial independence is, how can we create income, especially from a business that comes in when you don't, that's people, that's processes, that's technology, so that you can be involved, but you don't have to be involved. This is the part most people miss, yeah, and I think it's crazy. A lot of people have this notion they're just going to work so hard so they can sell their business one day, I'm like, What about just creating a business that you love so much you don't want to sell it? What about giving up the things that are burning you out and have the employees that can take care of that so you do the things that you love and then just enjoy life along the way, take some little trips, take some time off and come back in. The business grows up when you're away, they learn how to do things without you, and then you can still create value into that business. I sold the business in 2021 and really regretted it, because I kind of was so removed from the business. I kind of felt like it lost its soul and I didn't feel connected to it. So this time around, I started a business in July of 2024 I'm like, I'm only going to work with the P with the people I love, building things that I love, and I'm not going to let myself get burned out by doing too much. We're going to take two weeks in Hawaii coming up here in April, just enjoy some time together as a family. We do quarterly family retreats with my wife and kids. We do traditions with my family up at my cabin, like I want to have this great life where it's blurs the lines between work and play. I have a little quote from someone else that talks about that art of life is blurring the lines between work and play, but also just having complete play sometimes that there is no work. So I come back refreshed, relaxed, rejuvenated and ready to create. And so really, that financial independence gives you permission to swing for the fences and what you do, knowing your foundation is handled, knowing that your lifestyle is covered, from assets to create cash flow gives you work optional freedom. But instead of retiring, think, what could your biggest impact be like? Create the life you don't want to retire from. Create a vision so compelling you can dedicate your life to it and find that the win is actually in the work, not just the outcome. I think that is the elegance of we win when we play, and when we have more play in our life. We don't try to escape from something. And when you start something, you might have to do things you hate, but you can eventually delegate it, and then life becomes great. I mean, one of my early coaches, Dan Sullivan, who I mentioned, a strategic coach. He's in his 80s, still behemoth of creating value in the in the market. To listen to him, you know, he's phenomenal. He's made such a huge difference in my life, and he has no intent of retiring. He just gets smarter every year, adds more value, builds more infrastructure, and he's the one that taught me the merit of free days, just taking time off, taking time away. So, yeah, that's financial independence. Is cash flow, and then financial freedom is a state of mind. It's when money is no longer the primary reason or excuse you would do or not do something. It's a consideration, but it's no longer the consideration means that you have a healthy relationship with money. Money is an asset and an ally, not an enemy. You don't come from a place of scarcity. You come from a place of abundance. You can be more present with your family and doing what you do without feeling distracted. I think wealth is our ability to be present, not necessarily how much money we have in a bank account. I think we have a good amount of money in a bank account, and we can be present. That is like true wealth.   Keith Weinhold  43:12   It harkens back to the John D Rockefeller, he who works all day has no time to make money. Rockefeller would have said, you can architect a wealth plan if your head is down on the assembly line, that means gradually move your offer. It's from trading your time for dollars over to owning assets that pay you to own them. Garrett's comedy special is called the American Ream. There's no D in that word, R, E, A, M. You can look that up, Garrett. It's been enlightening as always. Thanks so much for coming back onto the show.   Garrett Gunderson  43:43   Hey man, good to be back.   Keith Weinhold  43:51   Always. A lively conversation with Garrett, besides some great mindset perspective, he's really good at saving you tax and setting you up with asset protection. Though he's not as real estateish as me, he's pretty savvy. For example, He's aligned on the fact that, for example, say you have an 80k debt. Well, it doesn't necessarily mean that it makes sense for you to pay that off sometimes it does, but what happens to your net worth anytime you pay off an 80k debt, well, let's see. You've reduced your asset side by 80k and you've reduced your debt side by 80k so your net worth is the same, and retiring the debt means that you might have lost leverage, lost cash flow and lost tax advantages, all at the same time on Instagram, send a DM with the two words, Keith Cows to Garrett B Gunderson, and he'll hook you up with his book for free next week on the show, we go deep on does America really have a housing shortage with an expert analyst. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 4  45:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  45:29   The preceding program was brought to you by your home for wealth. Building, get richeducation.com  

In this weekend's episode, three segments from this past week's Washington Journal. First: U-S- Iran nuclear talks continue –as the U-S continues its military buildup in the Persian Gulf. We talk about where things stand and the risks of an all-out war with Rose Kelanic of Defense Priorities & Danielle Pletka of the American Enterprise Institute. Then: This year's tax filing system is well underway. We speak with former IRS Taxpayer Advocate Nina Olsen about what you need to know -- including changes from the passage of the "Big Beautiful Bill." And finally: author & English professor Dan Chiasson discusses his new book on Sen. Bernie Sanders' early political life, titled "Bernie for Burlington." Learn more about your ad choices. Visit megaphone.fm/adchoices

Monroe Martin has had quite the journey - from growing up in the foster care system, to finding comedy, to newfound fatherhood - how does he do it all and stay sane? Find out in this week's episode of Mad House, as Maddy takes a deep dive into Monroe's psyche! Monroe reveals why he thinks happiness is overrated, what makes him a good husband/dad, how he went from wanting to work at T-Mobile to pursing a life in the arts, and more! Follow Maddy:https://www.instagram.com/somaddysmith/?hl=enhttps://www.tiktok.com/@somaddysmith?lang=enFollow Monroe:https://www.instagram.com/monroemartiniii/?hl=enAll tour dates: https://punchup.live/maddysmith/ticketsWant more ad-free and uncensored Mad House?!Go to https://gasdigital.com/ to subscribe!Use promo code MAD to save big on your membership :)Get early access to our weekly episodes on Tuesdays, along with EXCLUSIVE episodes on Thursdays.UPCOMING STAND UP DATES:2/27-2/28 BURLINGTON, VT3/12 NEW YORK, NY3/13-3/14 SAN DIEGO, CA3/27-3/28 NEW ORLEANS, LASee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, produced in partnership with RahrBSG, we're taking a close look at process aids in the brewhouse and cellar, from anti-foaming agents and finings to enzymes and more. Whether you're trying to keep more foam in your beer (rather than lose it while brewing and cellaring), fill tanks with more beer and less headspace (by limiting foam height within tanks), or clarify beer while reducing filtering time and expense (by using finings), there's a process aid that fits your goal. Here, we discuss the ins and outs of using these tools effectively in the brewery with Sam Pecoraro of Von Ebert in Portland, Oregon; Steve Theoharides of Zero Gravity in Burlington, Vermont; and Ashton Lewis, technical support manager at RahrBSG. We produced this episode in partnership with RahrBSG, your leading source for brewing ingredients and supplies. To learn more about the solutions RahrBSG offers, visit their site and contact your representative today.

Marcelo Gomes da Silva was on his way to volleyball practice when ICE grabbed him while looking for his father. He was held at an ICE office in Burlington where conditions were 'inhumane.' He says he'd like to send a message to President Trump.

God bless you dearly beloved! God is good. Today's talk mostly about prayers and supplications ☂️ 24 February TUESDAY. GEC Truth Study "FIRST Book" ~Preacher John. Thank you!~Preacher John. ★ Support this podcast ★

Joseph's horrific journey highlights God's purpose, peace, and power against a dark backdrop of abuse, neglect, and abandonment. From February 22, 2026

Good Morning my friend! It's a great day to be alive in Christ! This here is ☂️ 23 February MONDAY. GEC Truth Study "FIRST Book" ~Preacher John. Thank you!~Preacher John.Gospel Evangelist Church, LLC.Boulder, Colorado USA. ★ Support this podcast ★

Week four of our Reset Series, dedicated to mental health and what the Bible can teach us about how to manage it. 

Happy Sunday to you my friend! This is an interesting talk on edification 

Good morning, happy day to you my friend! Here is ☂️ 19 February THURSDAY. GEC Truth Study "FIRST Book" ~Preacher John. Thank you!~Preacher John. ★ Support this podcast ★

Greetings friend! Here is another a little behind schedule, but here none the less. I love you! ☂️ 18 February WEDNESDAY. GEC Truth Study "FIRST Book" ~Preacher John. Thank you!~Preacher John. ★ Support this podcast ★

Howdy my friend! This is a bit behind schedule, but it's here now! ☂️ 17 February TUESDAY. GEC Truth Study "FIRST Book" ~Preacher John. Thank you!Gospel Evangelist Church.~Preacher John Choque.Boulder, Colorado. ★ Support this podcast ★

We are a diverse, nondenominational Christian church in Burlington, Vermont committed to loving God and loving one another.

We are a diverse, nondenominational Christian church in Burlington, Vermont committed to loving God and loving one another.

On this episode of the Community Podcast Kristina is with CPA and Master NLP Coach Vanessa Bowen, who is helping us redefine what it means to be financially free as an entrepreneur.Vanessa shares how her journey to mastering money mindset and how it has transformed not just her business, but her life. Together, Kristina and Vanessa unpack:The two sides to wealth building that most entrepreneurs ignore.Why your money mindset may be the real reason your business isn't growing the way you want, and how to flip the script.How your childhood shaped your money story (and how to rewrite it).Why pricing too low can drive away your dream clients.How to make aligned investments in your business without going into debt.What to say instead of “I can't afford it”.Building wealth without burnout. This isn't our pitch for you to start flying on private jets, but if you want to scale your business, you often need to shift your money mindset. This episode with Vanessa helps you do just that. Get out of survival mode and start building the wealth and impact you wanted when you started your business in the first place!Love what you heard from Vanessa? Catch her breakout session at High Vibe Women on March 7th at The Pearl in Burlington! Use code VANESSA50 for $50 off your ticket!Connect with Vanessa:WebsiteInstagramThe Profit Breakthrough BlueprintMentioned in this Episode:Find Your Next Bestseller on Faire and get 10% off with the code ‘HIGHVIBE10'High Vibe Women Full Day Event March 7thJoin the High Vibe Women Online CommunityDownload Our LinkedIn Starter PackWork with The Social Snippet!Send me a text!Support the showFor Your Information: • Host your podcast on Buzzsprout! •Join The High Vibe Women Online Community! • Join our favourite scheduling platform Later • FLODESK Affiliate Code | 25% off your first year! Don't forget to come say hi to us on Instagram @thesocialsnippet, join the Weekly Snippet or follow us on any social media platform! Website . Instagram . Facebook . Linkedin

We looked at the case of Somerville man James Rodwell, who argues he was framed and wrongly convicted for the murder of Louis Rose Jr., a Burlington police captain’s son. Rodwell has been trying to prove his innocence for 45 years now and just last April was granted a clemency hearing to plead his case. According to Gov. Maura Healey’s clemency guidelines, hearings should be held,and recommendations should be issued within six months of filing a petition under most circumstances...however a hearing has yet to be scheduled... What is the holdup? We discussed this argument of a case of innocence with Rodwell's attorney, Veronica White.See omnystudio.com/listener for privacy information.

On this episode of Round Guy Radio, host Dave and Coach Cody Van Fleet preview the second round of Southeast Iowa high school basketball playoffs, breaking down key matchups including Notre Dame vs Danville, West Burlington vs Central Lee, Mediapolis vs Mid‑Prairie, and Holy Trinity vs Pekin. Cody analyzes top players, team strengths, and upset potential, and the show also discusses broadcasting and streaming updates as Round Guy Radio moves more coverage to YouTube. Sponsored by Hinshaw Trailer Sales, Smithsburg Auto, the Packwood Locker, and the Cedar Rapids Titans Arena Football.

Burlington's mayor is preparing for a potential escalation of federal immigration enforcement, plus one Vermonter's history-making Olympic win.

He was hard to pin down, but we finally got Josh Adam Meyers, comedian/vocalist/dog owner, in the Mad House this week! He opens up to Maddy about his ADHD, his negative mother, and the several car accidents he's gotten into over the years. But all of that, along with some deep spiritual work with his energy clearer, has made him realize he actually can sing pretty good.Follow Maddy:https://www.instagram.com/somaddysmith/?hl=enhttps://www.tiktok.com/@somaddysmith?lang=enFollow Josh:https://www.instagram.com/joshadammeyers/?hl=enAll tour dates: https://punchup.live/maddysmith/ticketsWant more ad-free and uncensored Mad House?!Go to https://gasdigital.com/ to subscribe!Use promo code MAD to save big on your membership :)Get early access to our weekly episodes on Tuesdays, along with EXCLUSIVE episodes on Thursdays.UPCOMING STAND UP DATES:2/20-2/21 FORT WORTH, TX2/27-2/28 BURLINGTON, VT3/12 NEW YORK, NY3/13-3/14 SAN DIEGO, CA3/27-3/28 NEW ORLEANS, LASee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Greg Brady & Marianne Meed-Ward, Mayor of Burlington, Cam Guthrie, Mayor of Guelph, discuss: 1 - Burlington mayor touts 2 key investments: massive 47-hectare arena/hotel/entertainment hub, Mohawk College expansion 2 - Meed Ward uses strong mayor powers on development charge report 3 - Guelph mayor calls for unity in state of the city address 4 - Guelph mayor slams rollout of province's new recycling program in open letter as complaints soar Learn more about your ad choices. Visit megaphone.fm/adchoices

God bless you dear friend! I hope this talk is a benefit and of value for your time.

Hello! I apologize for my tardiness in my podcast upload, thank you for you kindness. Here is ☂️ 11 February WEDNESDAY. GEC Truth Study "FIRST Book" ~Preacher John. Blessings!Gospel Evangelist Church.~Preacher John.Boulder, Colorado. ★ Support this podcast ★

Hello again! Once again I'm apologizing for the late podcast. Thanks! This here is ☂️ 12 February THURSDAY. GEC Truth Study "FIRST Book" ~Preacher John. Abundant blessings!Gospel Evangelist Church.~Preacher John Choque.Boulder, Colorado. ★ Support this podcast ★

Happy Monday dear friend! I pray this talk has value for you and your life and ministry. ☂️ 16 February MONDAY. GEC Truth Study "FIRST Book" ~Preacher John. Blessings!Gospel Evangelist Church.~Preacher John Choque.Boulder, Colorado. ★ Support this podcast ★

Week 3 of our Reset Series focused on Mental Health

It's in the emptiness, when it feels like God is least at work, that He's most at work, preparing you and the timing for your created purpose. From February 15, 2026

A quiet stretch of road outside Burlington, Iowa carries a legend older than the pavement itself. What began as a tragic frontier tale shaped by distance, weather, and miscommunication has grown into one of the Midwest's enduring ghost stories... a hollow where echoes feel alive and the past never seems entirely finished.YouTube -  https://www.youtube.com/@HauntedAmericanHistory hauntedamericanhistory.com Patreon- ⁠⁠⁠⁠⁠⁠https://www.patreon.com/hauntedamericanhistory⁠⁠⁠⁠⁠⁠ LINKS FOR MY DEBUT NOVEL, THE FORGOTTEN BOROUGH Barnes and Noble -   https://www.barnesandnoble.com/w/the-forgotten-borough-christopher-feinstein/1148274794?ean=9798319693334 AMAZON: https://www.amazon.com/dp/B0FQPQD68S Ebook GOOGLE: https://play.google.com/store/books/details?id=S5WCEQAAQBAJ&pli=1 KOBO: https://www.kobo.com/us/en/ebook/the-forgotten-borough-2?sId=a10cf8af-5fbd-475e-97c4-76966ec87994&ssId=DX3jihH_5_2bUeP1xoje_ SMASHWORD: https://www.smashwords.com/books/view/1853316 !! DISTURB ME !! APPLE - https://podcasts.apple.com/us/podcast/disturb-me/id1841532090 SPOTIFY - https://open.spotify.com/show/3eFv2CKKGwdQa3X2CkwkZ5?si=faOUZ54fT_KG-BaZOBiTiQ YOUTUBE - https://www.youtube.com/@DisturbMePodcastwww.disturbmepodcast.comTikTok- @roadside.chrisLEAVE A VOICEMAIL - 609-891-8658 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Being in the right rooms doesn't mean being the biggest fish in your networking circle. Actually, it's the opposite. In this episode of the podcast, I'm joined by Kristina Bartold, co-founder of The Social Snippet and High Vibe Women, to talk about the real reason networking rooms matter, why community is the fastest growth strategy in business, and how proximity can completely rewire what you believe is possible in entrepreneurship (and help you grow your business, faster).We also cover:- How to network and tips for taking on summits and conferences- Mindset shifts that will grow your business- The value in seeing people as colleagues, not competition

First, we speak with Vermont Public's housing and infrastructure reporter Carly Berlin, about a new state  initiative intended to spur housing construction in Vermont. It's a catalog of prefab homes that would help people fastrack their approval process and keep costs of new construction down. The specific challenges facing boys and young men often make headlines: For the last 50 years, for example, the number of male students on college campuses has slowly but steadily decreased. And young men are also more likely than women to experience drug and alcohol addiction.For parents of young boys, these headlines and statistics can be particularly distressing. What can we control in our homes to help our boys navigate the world with confidence, happiness and care? Two guests join Vermont Edition to discuss the art and peril of raising boys. Keegan Albaugh is the founder of Dad Guild, a Burlington-based nonprofit that supports masc-identifying caregivers by running playgroups, educational events, pick up sports, peer support groups, and more. Kate Mangino is a Virginia-based speaker, facilitator and writer who is in Vermont to host a series of parenting workshops this week. She's the author of the book Equal Partners: Improving Gender Equality at Home.Broadcast live on Wednesday, Feb. 11, 2026, at noon; rebroadcast at 7 p.m.Have questions, comments, or tips? Send us a message or check us out on Instagram.

Body dysmorphia, rage, and gratitude are just a few things that come up in our conversation with Aaron Berg this week! As Aaron lays on the couch for episode 100, Maddy attempts to get into the mind of her fellow comic, finding out what possibly went wrong in his life to make him want to pursue such a kooky lifestyle. With this new formatted approach, Maddy decides if her guest ultimately belongs in the Mad House, or if they are actually pretty normal after all! Follow Maddy:https://www.instagram.com/somaddysmith/?hl=enhttps://www.tiktok.com/@somaddysmith?lang=enFollow Aaron:https://www.instagram.com/aaronbergcomedy/?hl=enAll tour dates: https://punchup.live/maddysmith/ticketsWant more ad-free and uncensored Mad House?!Go to https://gasdigital.com/ to subscribe!Use promo code MAD to save big on your membership :)Get early access to our weekly episodes on Tuesdays, along with EXCLUSIVE episodes on Thursdays.UPCOMING STAND UP DATES:2/13-2/15 OXNARD, CA2/20-2/21 FORT WORTH, TX2/26 WESTPORT, NY2/27-2/28 BURLINGTON, VTSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Coach Akey discusses Burlington's standout 7-2 SEC record, the fast-paced, chaotic style that powered their success, and the team's key contributors including Jet and Kobe Morris and seniors Michael, C.J., and Keyshawn. He also addresses weaknesses like free-throw shooting and rebounding, previews a grueling three-game stretch before the postseason, and highlights a bright future with underclassmen ready to step up.

I love you dear friend! May you continue to receive the blessings of the Lord in your life and ministry. Today is ☂️ 10 February TUESDAY. GEC Truth Study "FIRST Book" ~Preacher John. Thank you!Gospel Evangelist Church. LLC.~Preacher John Choque.Boulder, Colorado. ★ Support this podcast ★

Today we have Lewis. He is 39 years old from Burlington, VT and he took his last rink of alcohol on June 12th, 2025.   This episode is brought to you by:   Sign up and get 10% off: Better Help   August 12th – 16th: Get ready to elevate your alcohol-free life in Big Sky Country. Join RE in Bozeman, Montana for our annual sober summer retreat. Registration opens April 1st. This isn't your typical retreat. We're talking adventure, laughter and deep bonds with people who get it. This retreat will remind you why choosing freedom over booze was the best decision you ever made.   [01:52] Thoughts from Paul:   This week, Paul talks about something that doesn't get discussed enough in recovery: patience and preparation.   Getting sober takes time. Preparing for your new life takes time. Some people are able to spontaneously quit drinking and never look back, but most have to slowly build momentum before trust falling into an alcohol-free life.   Some of you may have been listening to this podcast for years and feeling guilty for still drinking – DON'T. Maybe you think you are failing because you haven't quit yet. You're NOT. You are in preparation mode and intentional preparation is sacred work.   Every time you question whether alcohol is worth it, you're gathering intelligence. Every moment you imagine life without drinking; you're building the mental map you'll need for the actual journey.   This week, give yourself permission to be exactly where you are. If you're still drinking and listening, you're right where you need to be. It doesn't matter if you quit yesterday, last month or several years ago, you're right where you need to be.   [06:46] Paul introduces Lewis:   Lewis is 39 years old and grew up in Australia but now lives in Burlington, VT.  He runs a business. For fun, Lewis likes run and being outdoors snowboarding, surfing, eat good food and hang out with friends.   Lewis grew up with two brothers, who he is still close with, and says they had a great childhood living in a remote area in Western Australia. He tried alcohol for the first time when he was 14 and loved it immediately.   Lewis' drinking took off while attending university in Perth where the social life mainly revolved around alcohol. He didn't realize at the time that he was drinking more than others. He completed his studies in Canada where his drinking escalated because he was away from family and responsibilities. The drinking became a daily habit when he began his career as a bartender while in Greece.   Lewis moved back to Australia and began working in a brewery. He enjoyed that fact that there were less people there judging him. He knew his drinking was problematic when more and more negative things started happening, but he wasn't ready to confront it. There were many attempts to moderate, and he was able to take breaks, but never got it completely under control.   In 2020, Lewis realized he was powerless over alcohol but wasn't ready to accept it. Moderation attempts continued and Lewis moved to Vermont hoping the geographical cure would help him. He was a binge drinker, so daily drinking wasn't a concern for him, but he began having falls and missing work due to his binges.   On his last binge, it finally occurred to him that if he kept going, he was going to lose everything or die. He woke up last June and made the decision to finally stop drinking.   Lewis joined AA and found a great community within it. He started out going to at least five meetings a week and found a sponsor in a friend he had previously met at the gym while he was still drinking. Lewis is very open about his recovery and has found that most people have been very supportive.    Tools that are helpful to Lewis include podcasts, quit-lit, The Phoenix (sober workout community), his higher power and AA. Lewis is learning he can make plans, have goals and follow through with them.   Recovery Elevator You took the elevator down You gotta take the stairs back up. We can do this!       RE Instagram Sobriety Tracker iTunes  RE YouTube Café RE      

At the cross, one criminal's repentance not only fulfills prophecy but brings healing to Jesus' broken heart. From February 8, 2026

Good morning, happy Monday! It's a great day! This here is ☂️ 9 February MONDAY. GEC Truth Study "FIRST Book" ~Preacher John. Thank you!Gospel Evangelist Church, LLC.~Preacher John Choque.Boulder, Colorado. ★ Support this podcast ★

Week 2 of our series "Reset", centered around what the bible can teach us about mental health.

Dan Chiasson joins me to discuss his combined Bernie and Burlington biography, Bernie for Burlington, and the connections between Bernie's socialism and Mamdani's socialism.You can purchase Dan's book here: https://flyleafbooks.com/book/9780593317495Here's Dan's article about Mamdani: https://www.nybooks.com/online/2025/11/06/have-you-met-z-zohran-mamdani/And we discuss Corey Robin's piece on socialist excellence: https://coreyrobin.com/2025/11/15/excellence-over-mediocrity-from-mamdani-to-marx-to-food/

Anthony Moore could have been 'That Kid Funny Tony', but he's obviously so much MOOREEE than that!! He's a seasoned comedian -- you can catch him on shows like 'Tires' on Netflix, Kevin Hart's 'Hart of the City', or touring arenas, opening for legendary stand-ups. This week Anthony's in the Mad House and he and Maddy play a round of 'F*ck That', before delving deeper into Anthony's background - everything from getting his comedy legs in Philly, to landing in NYC and going from one of the worst comedy clubs to the best in record time. Plus, stay tuned for the segment 'Moore or Less?', where we find out some of Anthonys likes and dislikes!Call the FUPA Hotline: (347) 480-9006Follow Maddy:https://www.instagram.com/somaddysmith/?hl=enhttps://www.tiktok.com/@somaddysmith?lang=enFollow Anthony:https://www.instagram.com/allthatandmoore/All tour dates: https://punchup.live/maddysmith/ticketsWant more ad-free and uncensored Mad House?!Go to https://gasdigital.com/ to subscribe!Use promo code MAD to save big on your membership :)Get early access to our weekly episodes on Tuesdays, along with EXCLUSIVE episodes on Thursdays.UPCOMING STAND UP DATES:2/5 NEW YORK, NY2/13-2/15 OXNARD, CA2/20-2/21 FORT WORTH, TX2/26 WESTPORT, NY2/27-2/28 BURLINGTON, VTSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Young Bernie Sanders arrived in Vermont in 1964 as part of a counter-cultural wave. The tall Jewish kid with the thick Brooklyn accent who spoke of socialism and revolution fit right in with the communards and hippies, though he was neither. Sanders was then, as now, his own man, raging against the establishment while simultaneously seeking to lead it, albeit in a very different direction.As author Dan Chaisson writes, the story of Bernie Sanders is also the story of Vermont. “To see how Vermont changed, simply look at how Bernie's message, reiterated for fifty years, migrated from the fringe to the heart of Vermont's political discourse.”In the early days, Burlingtonians knew Bernie “as a perennial political loser” who typically garnered a slim percentage of the electorate in in the 1970s, recounted Chiasson. “But also he was just an indefatigable kind of force.”Dan Chaisson is a Burlington native and the author of five books of poetry. He is a professor of English and chair of the English department at Wellesley College. A longtime contributor to The New Yorker and The New York Review of Books, his new book is Bernie for Burlington: The Rise of the People's Politician. Chiasson weaves together his own story of growing up in hardscrabble Burlington in the 1970s with Sanders' own, whom he observed throughout his life go from gadfly to mayor, to the most influential progressive political figure in the country.Chaisson traces Sanders' politics to his experience growing up poor in Brooklyn “in an economy that was designed to kill" him and his family. "His mother died in her 40s of a congenital heart condition.”Sanders attended the University of Chicago where he participated in civil rights protests. “He thought that things like racial and other kinds of traumas in our country stemmed directly from economics,” said Chiasson. “Moving to Vermont was a way of thinking, could we start society over?”What explains Bernie's appeal to conservatives in areas like the Northeast Kingdom? Chaisson said that Sanders admired and channeled George Aiken, the Republican Vermont governor and senator who famously opposed the Vietnam War, declaring that the U.S. should “say we won and get out.” Aiken “had a sort of similar kind of flintiness to him, a similar kind of orneriness or cantankerousness,” Chaisson said.Sanders, a lifelong independent, has long reserved some of his harshest criticism for Democrats. “He feels that the Democrats are the party of the educated elite and he feels much more comfortable among working people.” When he disagrees with someone, Sanders “has a talent for steering the conversation away from those differences and towards places of common interest and common ground.”Asked what he thought the legacy of Sanders would be, Chaisson said, “Just the tenacity, the temerity, the moral vision that Sanders laid out.” He quoted former Burlington Mayor Peter Clavelle, who described Sanders as “a moral visionary.”“Somebody with Bernie's fight in him and with his sense that there are right and wrong sides of the question morally when we engage with politics, that makes me feel pretty hopeful.”

Week 1 of our new series "Reset", centered around what the bible can teach us about mental health.

When you believe the light and life of God has more power than the darkness and death of this world, you won't fear it … you'll laugh at it! From February 1, 2026

This Week on In Stride    Sinead is joined by amateur event rider and small animal veterinarian Katie Malensek to talk about her impressive career in and out of the saddle, and how she manages to do it all.  Meet the Guest: Katie Malensek  Katie Malensek is an amateur event rider and small animal veterinarian based in Port Orange, Florida. Originally from Burlington, Ontario, she has competed at the 4* level and represented Canada on the FEI Eventing Nations Cup team in Belgium in 2023, riding Landjaeger. At the Nations Cup, she finished clear with only time faults in the CCIO4*. In addition to her Nations Cup appearance, Katie has competed in other FEI events, including CCI3-L and CCI2-L competitions in Myakka City, Florida, riding horses she has developed through the levels herself.    In This Episode, Katie and Sinead Discuss:    • Katie's perspective on the sport as an amateur and what that status means to her  • How she returned to horses after stepping away for graduate school, and what drew her back to the sport  • Her experience competing on a Nations Cup team and how she balanced work, training, and international competition  • Why it's important for riders to speak up when changes are needed to prioritize horse safety and welfare  Episode Sponsors VetCS VetCS is an equine veterinarian–founded company creating science-backed hemp products for joint support, calming, and overall wellness. -  Visit https://vetcs.com/pages/in-stride and use code InStride20 for 20% off. 

Alec Bauer joins the Restaurant Unstoppable Network for a live Q+A on March 2nd, 2026 at 11AM EST. To join us and engage with all our guests and events, go to restaurantunstoppable.com/live -OR- to just catch today's guest, head over to restaurantunstoppable.com/cwe and we will get you a link to join that specific event for FREE! Alec Bauer is the Principal and Creative Director of Kitchen, Restaurant & Bar Specialists (KRBS), a Burlington, Vermont-based foodservice design consultancy. A graduate of the New England Culinary Institute, he honed his skills as a chef in renowned kitchens like The Ryland Inn, Auberge du Soleil, Maison Blanche in Paris, and The Four Seasons San Francisco. Bauer transitioned to foodservice consulting and design in 2005, founding KRBS—initially from his San Francisco Bay Area garage—now headquartered at 36 Locust St. in Burlington, where he lives with his family and rescue coonhound, Beazy. Join RULibrary: www.restaurantunstoppable.com/RULibrary Join RULive: www.restaurantunstoppable.com/live Set Up your RUEvolve 1:1: www.restaurantunstoppable.com/evolve Subscribe on YouTube: https://youtube.com/restaurantunstoppable Subscribe to our email newsletter: https://www.restaurantunstoppable.com/ Today's sponsors: - Restaurant Technologies — the leader in automated cooking oil management. Their Total Oil Management solution is an end-to-end closed loop automated system that delivers, monitors, filters, collects, and recycles your cooking oil eliminating one of the dirtiest jobs in the kitchen.. Automate your oil and elevate your kitchen by visiting rti-inc.com or call 888-779-5314 to get started! - Cerboni - Cerboni is an all-in-one financial solution for restaurants. Reliable tax preparation & Business incorporation. Seamless Payroll and compliance report. Strategic CFO Services That Drive Business Growth. Detailed, custom reporting for complete financial clarity. Dedicated support for restaurants & Multi-location businesses. End-to-end financial management under one roof. - US Foods®. Running a restaurant takes MORE than great food—it takes reliable deliveries, quality products, and smart tools. US Foods® helps you make it. Ready to level up? Visit: usfoods.com/expectmore. - Guest contact info:  Website: https://www.krbspecialists.com/ Thanks for listening! Rate the podcast, subscribe, and share! 

A woman noticed 92-year-old Muriel clearing out dressing rooms and moving racks at Burlington and thought she shouldn't have to! STORY: https://www.wdjx.com/the-internet-is-trying-to-help-a-92-year-old-finally-retire/

Bernie Sanders is one of our country's most famous senators. He's run for president, has stood up to oligarchs, and even became a mitten-wearing meme. Before all that, he was Mayor Sanders, of Burlington, where he served from 1981 to 1989.A new book, Bernie for Burlington: The Rise of the People's Politician, covers that pivotal time of change in the Queen City. The author, poet and professor Dan Chiasson, is a Burlington native and weaves in many personal anecdotes about his hometown. 

Song: Pray With Our Feet Words by: Paul Vasile, based on a quotation by Rabbi Abraham Joshua Heschel Music by: Paul Vasile   Notes: This is what folk in Minneapolis are doing -- praying with their feet, getting out on the street. They're singing songs to bless each other, the people they're protecting, and the ICE agents who are so misguided. And this is not the only place in the world where people of "middle power" gather -- not super-powers, not uber-wealthy -- just people who care about living in a world where we feed and educate our children, hold jobs with purpose. Paul Vasile describes it as "belonging belovedness -- you are safe, you are seen, you are heard." In this conversation, we dive into the sometimes knotty weeds of faith and how someone who is deeply connected in a faith tradition might want to expand into questions of what world we want to create together. Big trees. "Talk less, sing more." "As a queer person, I experienced a faith that helped me be a bigger, better me."   Songwriter Info: Paul Vasile (he/him) is a church musician, teacher, coach, and composer who finds his greatest joy in collaborative and community-centered work. Committed to modeling expansive, imaginative, and hospitable experiences of music making wherever he goes, Paul's leadership builds trust, invites spaces of creativity, vulnerability, and play, and supports practices of reflection and holistic learning. For the past decade he has offered short- and long-term transitional leadership, consulting services, and creative resources to faith communities in seasons of discernment, challenge, and transformation. From 2016 to 2023, Paul served as the Executive Director of Music that Makes Community, a non-profit that shares "paperless" (oral tradition) leadership practices and songs. He traveled across North America modeling distinctive approaches to communal singing and learning at retreat centers, conferences, denominational gatherings, seminaries, and in congregations of all sizes. Paul also composes music that invites communities to express and explore their connection to sacred stories, their bodies, and the ecosystems that sustain us. His music is represented in Glory to God, All Creation Sings, and Voices Together, as well as The Hymn Society's resource, Songs for the Holy Other: Hymns Affirming The LGBTQIA2S+ Community.   Sharing Info: Please buy sheet music on Paul's website if you plan to share this song as a songleader.   Song Learning Time Stamps: Start time of teaching: 00:04:35 Start time of reprise: 01:15:00   Links:   Paul's website: https://www.paulvasile.com/  Paul's Instagram: https://www.instagram.com/lovedintobeing/  Sheet music for Pray With Our Feet: https://www.paulvasile.com/products/pray-with-our-feet Feb 7th workshop at Lutheran church in Ft. Washington, MD with Maren Marchesini: https://www.sharingthesong.org/ Inspiration for lyrics, including quote by Rabbi Abraham Joshua Heschel: https://www.tbemaine.org/praying-with-hearts-and-feet    Music that Makes Community: https://www.musicthatmakescommunity.org/  Rev. Donald Schnell, a 2012 interview as Music Makes Community was beginning: https://www.conversations.org/story.php?sid=329 Bobby McFerrin: https://bobbymcferrin.com/  Taizé chants: https://www.taize.fr/en/the-songs  Chanda Rule: https://www.chandarule.com/ Hold Me by Nina Wise: https://www.youtube.com/watch?v=yxU_egWayc4&t=16s Nina Wise: https://ninawise.com East Coast songleader trainings: Mila Redwood in Toronto: https://www.milaredwood.ca/song-leader-training Patricia in Burlington, VT: https://www.juneberrymusic.com/songleader-training.html  Alice Parker: https://en.wikipedia.org/wiki/Alice_Parker Liz Rog -- here's a place to find her book on songleading: https://www.centerforbelonging.earth/ Arvo Pärt – Passio: https://en.wikipedia.org/wiki/Passio_(P%C3%A4rt)  Spencer LaJoye: https://www.spencerlajoye.com/  Spencer's song Plowshare Prayer: https://youtu.be/MhOZv5i7CHY?si=S5bbjdBDJP2cU_4I   Nuts & Bolts: 2:2, minor, unison   Join this community of people who love to use song to help navigate life? Absolutely: https://dashboard.mailerlite.com/forms/335811/81227018071442567/share   Help us keep going: reviews, comments, encouragement, plus contributions... we float on your support. https://www.abreathofsong.com/gratitude-jar.html

Plans to close an addiction services program in Burlington, communities experiencing salt shortages amid the snowy weather, plus a Bulgarian man held by U-S Immigration and Customs Enforcement in Massachusetts after he says he was arrested after mistakenly crossing the border from Canada.

What Class are You? is a periodic series I make for Vermont Public, which started back in 2022. I wanted to talk with people about growing political and cultural divides without talking about politics or cultural divides. I had no idea how to do it. Then one day I just drove around and asked people what class they are. And what I found was that as dumb and offensive as this question is, people have a lot to say about it. Socioeconomic reality is one thing we all share. Some of us have a lot, some have a little, and most of us fall somewhere in between, but it's a big common denominator.Trudy Richmond lives in subsidized senior housing in Burlington. She's  educated and worked all her life, but at a certain point, Trudy realized that she had too little money to pay for a comfortable retirement and too much to qualify for services that might make her retirement more comfortable. In this episode of What Class are You, Trudy talks with reporter Erica Heilman about how she negotiated a comfortable retirement for herself. I make this series for Vermont Public. Thank you Vermont Public for letting me share these stories with Rumble Strip listeners! 

Jordan Ware and Cindi Kozak are the chef-and-general manager team behind Frankie's in Burlington, Vermont, a 70-seat, seafood-forward, farm-to-table restaurant in the former Penny Cluse Café space that has quickly become one of the most talked-about new spots in the country. After years working together at Hen of the Wood—Jordan as executive chef and Cindi as general manager and wine buyer—they struck out on their first solo venture, building a warm, "fine but friendly" dining room that bridges casual and special-occasion hospitality while spotlighting New England farms, fisheries, and producers. Jordan, a Culinary Institute of America graduate originally from Bennington, Vermont, leads an ever-changing, adventurous menu that works directly with local farmers and a small fishmonger to keep the food deeply tied to place, while Cindi, who came to Burlington for Champlain College, curates the wine and cocktail programs with an emphasis on sustainable, personality-driven bottles and classic-but-not-stuffy drinks. Together they see Frankie's as a civic investment in downtown Burlington and a joyful, community-driven "day-to-day place," where the next generation of Vermont hospitality can experiment with new ideas, support producers, and still feel like a neighborhood restaurant. Join RULibrary: www.restaurantunstoppable.com/RULibrary Join RULive: www.restaurantunstoppable.com/live Set Up your RUEvolve 1:1: www.restaurantunstoppable.com/evolve Subscribe on YouTube: https://youtube.com/restaurantunstoppable Subscribe to our email newsletter: https://www.restaurantunstoppable.com/ Today's sponsors: - Restaurant Technologies — the leader in automated cooking oil management. Their Total Oil Management solution is an end-to-end closed loop automated system that delivers, monitors, filters, collects, and recycles your cooking oil eliminating one of the dirtiest jobs in the kitchen.. Automate your oil and elevate your kitchen by visiting rti-inc.com or call 888-779-5314 to get started! - Restaurant Systems Pro - Lower your prime cost by $1,000, and get paid $1,000 with the Restaurant Systems Pro 30-Day Prime Cost Challenge. If you successfully improve your prime cost by $1,000 or more compared to the same 30-day period last year, Restaurant Systems Pro will pay you $1,000. It's a "reverse guarantee."  Let's make 2026 the year your restaurant thrives. - US Foods®. Running a restaurant takes MORE than great food—it takes reliable deliveries, quality products, and smart tools. US Foods® helps you make it. Ready to level up? Visit: usfoods.com/expectmore. - Today's guest recommends: Toast Guest contact info:  Email: cindi@frankiesvt.com Instagram: @frankiesvt Website: https://www.frankiesvt.com Thanks for listening! Rate the podcast, subscribe, and share!