Podcasts about Candies

See's Candies, Vimeo, Liberty Mutual Insurance, Carnival Cruises, Pitney Bowes, ADT and more are all part of this week's mess!

Today we recap the sermon on 1 John (Walking in the light), answer your questions about starting a Discovery Study and discuss why Bill doesn't wear hats.

Eric Swalwell's gubernatorial campaign was a ticking time bomb, and the Democrats knew it. They've denied it, but come on, are we really supposed to believe that a story that was kicking around in 2019 and set to break in Politico did not reach the ears of Nancy Pelosi? The question isn't whether they knew, but why they did nothing about it and essentially let Swalwell loose upon the world with access to Snapchat and hotel rooms.Swalwell was one of Pelosi's protoges, a foot soldier for the party bosses who decided Donald Trump should never lead this country, no matter the election outcome. They convicted him on Inauguration Day, then spent the next four years finding the crime. The biggest and most embarrassing of these was Russiagate, where Swalwell played a starring role. They knew Trump would not be removed from office, but they decided to wait out the clock, waste his time and ours, with a phony scandal that, to this day, has never been adequately addressed by legacy media or the Democrats. They just moved on to the next thing and the next thing and the next thing, and all the while, there was Swalwell doing everything right. There he was on Impeachment Number 2, saying all the things, drawing all of the conclusions, pushing all of the hysteria. For his efforts, Swalwell was beloved by celebrities like Robert De Niro, late-night comics like Jimmy Kimmel and Stephen Colbert. For a time, he was like Icarus, soaring as one of the Democrats' shining stars. No wonder he thought he should be next in line to lead California now that Gavin Newsom is running for president. All that's required of him is that he be someone who can take on Trump. But Icarus flamed out. In the past week, we watched a political hit that has to be among the cleanest and most efficient on record. One minute, he was leading in the polls — the next, he was dropping out and resigning from Congress. Swalwell never had a chance. Powerful forces that will never be known wanted him out because there was a good chance the “open secret” that dogged him for years would drop, handing California to the Republicans. It would be another nightmare on par with Biden's debate disaster. There was no way the Democrats were going to let that happen.Swalwell never saw it coming. He assumed he had risen to the level of being a valued member of the “resistance.” But he clearly doesn't know the Democrats very well. If they could force the President of the United States out of running for a second term for the good of the party, they could do it to anyone.What Did the Democrats Know and When Did They Know ItSwalwell had survived the Right's favorite lurid tale of the Chinese Spy Fang Fang, along with the rumor he'd passed gas during a cable news spot. But in 2019, a woman tipped off a Politico reporter that Swalwell was engaged in inappropriate sexual activity with young women while in Congress. Icarus took flight and attempted to run for president. But for unknown reasons, he dropped out.And then, inexplicably, the reporter dropped the story. Why would they drop the story? Maybe because they lost their appetite for taking down Democrats after the Al Franken debacle, where Franken was pushed out by the most prominent Democrats, like Chuck Schumer, Kamala Harris, Elizabeth Warren, and Bernie Sanders, with no chance to defend himself against what were flimsy charges at best.As Matt Taibbi writes in Racket:Democrats tripped over each other to denounce Franken, with 32 Senators calling for his resignation on Dec. 6, 2017. Digital stones flew from Minnesotan Amy Klobuchar, ex-presidential candidate Bernie Sanders, and future VP Kamala Harris, among others:The Franken story would sting by 2019, following a redemption piece by Jane Mayer in The New Yorker. No one wanted to do that again, so maybe they figured they'd let the Swalwell story pass. The bigger reason was that the Democrats had one objective in 2019, and it wasn't to take out the guy who was key in Trump's impeachment and Russiagate, but to take out Trump himself. It was an all-hands-on-deck kind of moment, and no reporter would have wanted to be caught dead helping Trump and hurting the Democrats. That's also why they ignored the story in 2024 of Kamala Harris' husband Dougie who allegedly slapped a woman so hard she spun around. Like so many other stories that could hurt Democrats, including Joe Biden's cognitive decline, they said nothing, lest they hurt the “resistance.” It was also 2019 when a group of women came forward to accuse Joe Biden of inappropriate touching. No one seemed all that interested in pushing it to the point where Biden would drop out. He denied it, and everyone gave him a pass. Even when Biden was accused of sexual assault by Tara Reade, most in the press wouldn't touch it. But one person did. Megyn Kelly. Kamala Harris was among those who leaned into the accusations, but that would not stop Biden from choosing her as his VP. Like the good Democrat I was, I tried to discredit Tara Reade, along with the rest of the accusers. I, too, had been burned by the Al Franken story and was disgusted with how the Democrats behaved, and like most people, I was getting exhausted by the Me Too movement and the lack of due process. In our minds, this was too serious a moment. We had to defeat Trump. Everything else would have to be sidelined. I always thought that the harassment charges against Biden were less about Me Too and more about pushing the old man out of the race so that a more progressive candidate might take his spot. Reade, for instance, was a devout supporter of Bernie Sanders, and just before she accused him of assault, she and everyone else on the progressive Left were hoping for a miracle.Is that what happened with the Swalwell story, too? Something about it just doesn't add up. It was too clean, too well planned, too easy. It makes me wonder who was really pulling the strings. For the second time, he tried to fly too close to the sun and run for higher office, and for the second time, dropped out, but this time, there won't be any coming back. As Taibbi writes:Which brings us to Swalwell. The accusations are extremely serious. Another woman came forward alleging he drugged her, lured her to a hotel, raped her, and choked her to unconsciousness. “I thought I died,” Lonna Drewes said. Taken with two accusations of sex with women “too intoxicated to consent,” the stories sound more like a developing serial murderer than someone merely guilty of being raised on Bob Hope jokes. Still, Swalwell's political demise reads like a repeat of the Franken tale, only with context issues amplified a hundredfold, and Epstein playing the role of Weinstein.With Franken, it took weeks for Democrats to denounce him. With Swalwell it happened overnight, and accusers are already being called “survivors,” as in the Democratic Women's Caucus announcing, “We stand with survivors.” The writer in me dislikes the appropriation of a word that means “remaining alive where others have died,” but it is true these women might prove to be “survivors” of something, but what? At this early stage of inquiry, “survivors” functions as a turbocharged version of “Believe all women,” in which the possibility of disbelief is linguistically eliminated.But time is the point. Time means another candidate can build a campaign and beat the Republican in California. That's the hangover from 2024, and it's why I don't believe any of this happened organically. Who ordered the hit?The story goes something like this: two progressive female influencers caught wind of a whisper network, with rumors swirling about Swalwell's sexual proclivities. How this information found its way to them is not yet known. Will anyone ask or investigate? Probably not. Some of it came from their friends, and that was more than enough to start an amateur investigation, one that will probably find its way to a TV movie near you. Think: Woodward and Bernstein or Kantor and Twohey, the women who broke the Harvey Weinstein story that kicked off Me Too. Now, instead of reporters, we have influencers. To hear them tell it, they believed their best bet was to take the story to CNN, where their staff could fact-check it and, more importantly, make it legal. One is Cheyenne Hunt, who calls herself the first Gen-Z woman to run for Congress, though she did not win. Assertive and confident, Hunt has the influencer game down. She also carries with her the certainty of the Gen-Z woman who does not believe in due process and thinks every man is a predator until proven innocent. Just asking a woman for her phone number could be a reportable offense. To her, Swalwell was a dangerous moderate who was pro-Israel and too sympathetic to and supportive of ICE. These are red lines for the new Democratic Party's progressive wing, especially in a big state like California. The other is Arielle Fodor, also known as Mrs. Frazzled, who is known for talking baby talk to Trump and his supporters to an irritating degree, but that is why she is popular on TikTok.Fodor seems to be the type who would Vote Blue No Matter Who and probably would not be motivated to take down Swalwell unless she was encouraged to do so. Her story is nearly identical to Hunt's:It's an awfully strange coincidence that they began mobilizing efforts to break the story in March, and by April, they were out on social media with it. If Swalwell were a valued member of the progressive Left, if they thought he would fight for Medicare for All, defunding the police, abandoning Israel, and transing the kids, would they have pulled this off? I doubt it.What seems more likely to me is that they were egged on by unseen forces that were doing the hard job of pushing the accusers in the right direction and nudging the story ever closer to the surface, you know, like Deep Throat in All the President's Men? The same forces on the progressive Left that wanted Biden out in 2020 could also be in play here. He looks a lot like the kind of candidate the Democrats say they want and need - someone who can attract the working-class white men all over the country. But for these women and the progressive Left, there is one candidate better suited to fight for what they care about most: Katie Porter. Both influencers have been seen in photos with her, and Porter and Hunt are both affiliated with the same law school.Porter denies any direct involvement, but then again, why would that even need to be said? There is no doubt that Cheyenne Hunt and Arielle Fodor look to be the party's future, not just as influencers or as women, but as people who are willing to go this far to steer the ship in the right direction. Hunt, in particular, seems committed to rooting out all of the sex pests in Congress, and what better way to make a name for herself? All the Congressman's D*ck PicsThe Swalwell story unfolded straight out of the writers' room of a Lifetime movie where all women are victims, and all men are predators. How could anyone, much less a white male politician, much less a Democrat, send Snapchats of his Johnson to a Gen-Z staffer post Me Too? Maybe he did it because no one would believe anyone could be that stupid. Maybe he did it because Snapchat deletes the photos, and it's his word against theirs. Maybe he did it because the thrill of it outweighed the risk. Was he a predator? Were these consensual? Me Too demands we do not ask.Most of the victims tell the same story we heard hundreds, if not thousands, of times in the old days of Me Too. How a hungry young woman looking for employment opportunities is lured into a trap, only to have their friendly conversation devolve into a cheap proposition for sex. The woman is always portrayed as a non-consenting partner, someone who didn't flirt back in any way, and was just suddenly hit with an offensive image.That's always been the biggest problem with the Me Too movement. It is held in the court of public opinion, and those accused have no way to defend themselves. Because both sides - Left and Right - are invested in Swalwell taking a fall, no one really bothers with the specifics. He did it, that's all. Why, for instance, did one of the victims claim Swalwell assaulted her in 2019, only to go back and get drunk with him in 2024 and claim the same thing happened again? Is that assault, or is that bad choices? Doesn't matter, don't ask. I'm not defending Eric Swalwell. I feel about him the way Matt Taibbi does when he writes: I can't stand Eric Swalwell. A leading torchbearer in Russiagate lore, he's always carried himself with an air of oozy self-satisfaction unusual even in a politician. I remember wondering if Swalwell was Latin for “Stubble Lizard.”But the Democrats have managed to do the impossible. They've made me almost pity the guy. He thought he was doing everything right. He told all the lies they told him to tell. He helped build the very machine that would later devour him. But something about this hit feels too orchestrated and perhaps sets a dangerous precedent. Even guys like Swalwell deserve the benefit of the doubt, even if he never offered it to Trump. Swalwell almost committed the perfect crime. He painted himself as an advocate for women, all the while allegedly going through them like a box of See's Candies. If it's true that he drugged and raped women, lock him up, lock him up. But if all of this was over consensual flirting, regrettable sex, and mutual Spapchats, then he's the dumbest man on the planet.Swalwell is finally learning who the Democrats really are and that life comes at you fast. Unfortunately for him, he wasn't squeaky clean enough, or well-behaved enough, or smart enough to keep it in his pants. He should never have tried to fly that high, at least not with so much baggage weighing him down.// This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.sashastone.com/subscribe

Support the show and get all of our episodes early and ad-free: https://www.patreon.com/c/solidlisten Tommy Bahama, Hollister, Torrid, Sam Goody, Urban Outfitters, See's Candies and the Nordstrom eBar all get shoutouts during Molly's half this week, Rob talks about the new season of Love on The Spectrum.  Follow Rob: https://www.robschulte.com/ Follow Molly http://mollymcaleer.com/ Check out the Survivor podcast: https://pod.link/1879415350 Learn more about your ad choices. Visit megaphone.fm/adchoices

Easter candies and oversleeping. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

1st hour of the G-Bag Nation: Latest Sports Headlines; GBAG of the DAY Champ Replay; Woolly Bully's Top 10: Easter Candies; CFB Darty: Most lethal WRs full 2561 Fri, 03 Apr 2026 00:18:12 +0000 FvqvXejenEaDbfbKihT5vJcURSU8AjW7 sports GBag Nation sports 1st hour of the G-Bag Nation: Latest Sports Headlines; GBAG of the DAY Champ Replay; Woolly Bully's Top 10: Easter Candies; CFB Darty: Most lethal WRs The G-Bag Nation - Weekdays 10am-3pm 2024 © 2021 Audacy, Inc. Sports

Time to stock up on your favorite Easter candy! Join Intern John, Sos, and Rose as we look at the most popular Easter candies in 2026 and more! Make sure to also keep up to date with ALL of our podcasts we do below that have new episodes every week: The Thought Shower Let's Get Weird Crisis on Infinite Podcasts See omnystudio.com/listener for privacy information.

So close to the weekend….with rain likely today, and showers & thunderstorms continuing until sometime on Saturday. We kicked things off with the original version of the "Thursday Song" thanks to our guy, Skradie. Miss that dude. And we also talked to Office Cora just after 8am to see what she's up to in the 715 this weekend. It's also "Hypothetical Thursday", so we asked each other hypothetical questions…Jean's question for Brian was: "Would you rather be a great recruiter or a great strategist?" Brian's question for Jean was: "If you had to fart all of the farts you have left to fart in your life, how long would that take?" In the news this morning, an American journalist is kidnapped in Iraq, NASA successfully launched the Artemis II yesterday, the latest on Kristi Noem's husband and his alternative lifestyle, Reese's says they're going back to the original recipe for their peanut butter cups, and how much would you be willing to pay for sunlight on demand? In sports, the Brew Crew beat the Rays again yesterday while umpire C.B. Bucknor had another rough outing…but only because he got hit by a foul ball. The Bucks lost again last night, the NCAA Men's Frozen Four begins this afternoon with Wisconsin taking on North Dakota later this evening, the schedules for the men's & women's Final Fours which begin tomorrow, and former Badger Jack Pugh has passed away. We let you know what's on TV today/tonight and discussed some of the more humorous April Fool's pranks that major companies pulled yesterday. Check out this 99 year-old woman who really wanted to celebrate her birthday with some hunky firefighters(she got her wish!). And kudos to this guy who set up a GoFundMe for an elderly Dominos delivery driver who went the extra mile to provide better service. Looking ahead to Sunday, we checked out a breakdown of America's favorite Easter candies. And elsewhere in sports, the quadruple amputee/former professional cornhole player that allegedly shot & killed a passenger in his vehicle has been denied bond, and the locker that UCONN's Braylon Mullins used when his team beat Duke in the Elite 8 is up for auction. And in today's edition of "Bad News with Happy Music", we had stories about a #FloridaCouple that were busted having sex in public, a #FloridaMan who was arrested for trespassing while wearing a prison jumpsuit, a car with a "human skin-like" interior complete with nipples & moles, new footage that supposedly debunks the famous Bigfoot video from the 1960's, and a woman in Maryland who allegedly called ICE on the guys that were fixing her roof so she wouldn't have to pay for it.See omnystudio.com/listener for privacy information.

858. Are "low net carb" candies actually a healthy alternative, or just clever chemistry? In this episode, Monica breaks down the science of net carbs and the marketing behind some brands.We dive deep into the ingredient list to explain how sugar alcohols (like erythritol and isomalt) and functional fibers (like polydextrose and soluble corn fiber) affect your body. If you've ever wondered why low-sugar treats cause bloating or gas, or if those 26 grams of fiber actually "count," this episode is for you.In this episode, we discuss:How to calculate net carbs: The math manufacturers use to subtract fiber and sugar alcohols from total carbohydrates.The GI Impact: Why high-fiber candies can lead to digestive discomfort and "functional fiber" warnings.Blood Sugar vs. Calories: How keto-friendly sweets compare to traditional treats like Swedish Fish.Food Psychology: Why labeling food as "Shameless" or "Guilt-Free" can harm our relationship with eating.Stop viewing your snack choices as a moral scorecard. Listen to learn how to read nutrition facts labels with a critical eye and choose the treats that actually make your body feel good.New to Nutrition Diva? Check out our special Spotify playlist for a collection of the best episodes curated by our team and Monica herself! We've also curated some great playlists on specific episode topics including Staying Strong as We Age, Diabetes, Weight Loss That Lasts and Gut Health! Also, find a playlist of our bone health series, Stronger Bones at Every Age. Have a nutrition question? Send an email to nutrition@quickanddirtytips.com.Follow Nutrition Diva on Facebook and subscribe to the newsletter for more diet and nutrition tips. Find out about Monica's keynotes and other programs at WellnessWorksHere.comNutrition Diva is a part of the Quick and Dirty Tips podcast network. Hosted on Acast. See acast.com/privacy for more information.

JOIN THE BE WEALTHY MASTERMINDWant to join a room of entrepreneurs who think bigger about money? Email Katelyn@bewealthy.com with the subject line "Be Wealthy Podcast MM" to learn more.Garrett Gunderson x Brett TannerGarrett Gunderson drops a take most financial advisors don't want you to hear: compounding interest is the greatest myth ever sold to the public. He breaks down how banks use your money for immediate cashflow while telling you to wait 30 years, then dismantles the "Warren Buffett compounded his way to wealth" argument with the actual numbers. Buffett made 5.5 million percent returns by buying companies outright, making concentrated bets, and deploying cashflow — the exact opposite of what he tells everyone else to do.TIMESTAMPS0:00 The Most Dangerous Money Myth0:32 How Banks Actually Use Your Money1:22 Compounding Interest Takes 30 Years1:46 Warren Buffett's Real Numbers (5.5M% vs 39,000%)2:30 See's Candies, Geico, Precision Cast Parts3:26 Buffett's One Word for Success: Focus3:56 Compound Knowledge, Not Interest4:40 "That's Not What He Did" — Concentrated Bets & The FloatBOOKS & RESOURCES MENTIONED- Killing Sacred Cows by Garrett Gunderson (NYT Bestseller)- What Would the Rockefellers Do? by Garrett GundersonGET CONNECTEDWebsite: www.BeWealthy.comYouTube: youtube.com/@bewealthybrettInstagram: instagram.com/bewealthybrettFacebook: facebook.com/brettbewealthyX/Twitter: x.com/bewealthybrettFREE RESOURCESFree Tools & Downloads: https://www.bewealthybrett.com/resourcesInfinite Banking Education: SaveLikeaBank.comCost Segregation Studies & 45L Tax Credit: SingleFamilyCostSeg.comSelf-Directed IRA: MaxOutRetirement.comTrust & Entity Structure: SetupMyEstate.comOff-Market Deals & Direct Mail: TheMagicMailers.com1031 Exchange: Exchange1031Now.comBookkeeping & Financial Services: BooksOffMyPlate.comPPC & Digital Marketing for RE Investors: ScaleMyDeals.comABOUT THE SHOWThe Be Wealthy Podcast brings entrepreneurs the strategies to grow their business - then teaches them how to think about their money. Because wealth is far more than money - it's freedom. Hosted by Brett Tanner & co-pilot Katelyn Mitchell.Mission: Get Free.DISCLAIMERBe Wealthy and its affiliates do not provide tax, legal, or accounting advice. This material has been prepared for informational and entertainment purposes only, and should not be relied on for tax, legal, or accounting decisions. Always consult your own advisors before taking financial action.

WBS: The Cat Burglar #353 -- The gang is at it again. Brimstone is joined by his wing-man Alex DaPonte and Brim's wife Danielle as they chat about the striped cat named Robbie who steals treats from stores and gets away with it, Brim getting inducted into town Hall of Fame, Brush Brigade premiere, and they wish Big Bird a happy birthday. They discuss the Trademark office refusing Snoop Dogg's recent trademark request, and they talk about the Kemp's Ridley sea turtle rescued in Texas. They discuss the limited edition Progresso soup sucking candies, Polymarket betting, and Ticketmaster / Live Nation getting away with straight up robbery. Brim explains what gets Within Brim's Skin. 

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  

Astronomers just found something cool!  Typically, most Sun-like stars host planets between the size of Earth and Neptune called 'super-Earths' or 'sub-Neptunes'. These planets often orbit their stars even closer than Mercury orbits our Sun. They're mostly rocky super-Earths or they have a thick atmosphere and a rocky core and are sub-Neptunes. They're the most common types of planet found in our Galaxy. And yet, astronomers weren't sure exactly how these planets formed.  So yeah, they found something cool!    We've added a new way to donate to 365 Days of Astronomy to support editing, hosting, and production costs.  Just visit: https://www.patreon.com/365DaysOfAstronomy and donate as much as you can! Share the podcast with your friends and send the Patreon link to them too!  Every bit helps! Thank you! ------------------------------------ Do go visit http://www.redbubble.com/people/CosmoQuestX/shop for cool Astronomy Cast and CosmoQuest t-shirts, coffee mugs and other awesomeness! http://cosmoquest.org/Donate This show is made possible through your donations.  Thank you! (Haven't donated? It's not too late! Just click!) ------------------------------------ The 365 Days of Astronomy Podcast is produced by the Planetary Science Institute. http://www.psi.edu Visit us on the web at 365DaysOfAstronomy.org or email us at info@365DaysOfAstronomy.org.

February 10, 2026 ~ Tom M. Rifai MD, FACP, DipABLM, President & CEO Reality Meets Science Inc. Past President, US National Board of Physician Nutrition Specialists discusses a number of candies testing positive for toxic levels of arsenic. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Calling all grandmas! Calling all grandmas! This week we're covering the mythical "those strawberry candies" aka Strawberry Bon Bons. We'll get into their history and our full review before we play another round of Tie in or Lyin'. Grab one and eat along with us!

Dave tells a story of rollos in the bed. 

Episode 540: Nerd Year's Resolutions (2026) – Tyler starts off the episode by discussing the new A24 film Marty Supreme! Pat shares his thoughts on the comedy horror remake Anaconda. Tyler leads the discussion of the latest "Nerd News"...including the Avengers Doomsday trailer(s)! The Nerds recap their 2025 Nerd Year's Resolutions and make some new ones for this year! They end the episode with a "Nerd Favorite"...most anticipated 2026 film?   Timestamps:   What we are Into: 6:11-26:27   Nerd News: 26:27- 33:06    Nerd Year's Resolutions: 33:06-1:10   Nerd Favorite: 1:10

本集節目由《經理人》主編林庭安與採訪編輯尤韻蓉，深入剖析巴菲特的 4 個財富累積階段，以及他人生中「最昂貴的錯誤」。 巴菲特去年宣布卸任波克夏．海瑟威（Berkshire Hathaway）執行長，這位 95 歲的傳奇投資人，是如何滾出超過 4 兆台幣資產？《經理人》1 月號封面故事帶你走進股神的世界。為什麼他說「別人恐懼我貪婪」？普通人為何難以複製他的成功？答案可能比你想的更簡單，也更困難。

Episode 507: I will discuss discontinued Brach's Candies in Chicago, and read a menu from Toppers Drive-In in Lincolnwood, IL.

Episode 507: I will discuss discontinued Brach's Candies in Chicago, and read a menu from Toppers Drive-In in Lincolnwood, IL.

The guys taste test different Christmas themed candies live on the air.  It's a Christmas miracle, of sorts.  Theme Music: The Big Idea by Amigo

En esta nueva edición de nuestro podcast presentamos 'Unexpected Vibes', el disco recientemente publicado por Sweet Candies, trío vocal femenino que está producido por el músico italiano Nerio Poggi, líder de proyectos como Papik o The Soultrend Orchestra. En el repaso a otras novedades de la música Smooth Jazz reseñamos los álbumes de Michael Cates, Michiyo, Will Downing, Lance Ferguson y Lettuce. En el bloque central recordamos los tres discos más importantes grabados por el baterista japonés Gota Yashiki, músico que ha trabajado junto a bandas como Soul II Soul o Simply Red.

12/8/25: This morning on News and Views, Joel Heitkamp, Jack Michaels, and Rusty Halverson talked about different candies they have all tried, and famous people who have "Jr.", included at the end of their name. See omnystudio.com/listener for privacy information.

This week for What's in the Bag we try out Issaquah's own Boehm's Candies! Taryn got to check it out and we are trying the Fireball Whisky Chocolates! Check them out! https://boehmscandies.com/ or follow them @boehmscandies

Your Guess is as Good as Mine

The Blue Jays were swinging for the fences, but investors are facing numerous curveballs of their own. In our latest episode of Investments Unplugged, Kevin and Macan step up to the plate to tackle some of the most frequently asked questions from the road: the real impact of the U.S. government shutdown, the rally in gold prices, and what's really driving bond yields. To add a festive twist, our dynamic hosts also go off- script to share their thoughts on trick-or-treating budgets, Halloween candies, and costume trends. Tune in for recent market developments—and enjoy a few treats along the way.

1st hour of the G-Bag Nation: Headlines; GBAG of the DAY Champ Replay; Woolly Bully's Top 10: Worst Halloween Candies; Biggest L; Biggest Dub! full 2649 Sat, 01 Nov 2025 00:50:59 +0000 hIhhW9vIxpSXzafoDcbXEucDQbWuyXaj sports GBag Nation sports 1st hour of the G-Bag Nation: Headlines; GBAG of the DAY Champ Replay; Woolly Bully's Top 10: Worst Halloween Candies; Biggest L; Biggest Dub! The G-Bag Nation - Weekdays 10am-3pm 2024 © 2021 Audacy, Inc. Sports

This brand of candy – with crisp layers of peanut buttery toffee and a chocolatey coating – is almost as memorable for its marketing as it is its signature crunch. Anney and Lauren don’t fumble the science and history of Butterfinger.See omnystudio.com/listener for privacy information.

In hour 3, Spadoni and Shasky talk with Jennifer Lee Chan to get her thoughts on the Niners as they head to New York.

10-30-25 - Going Over Nostalgic Halloween Candies And Why They're Not Around Anymore - Cop Shoots One Of The Missing Test Monkeys In The South - Surgeon In Trouble For Taking His Daughter To Work And Letting Her In On Surgery - Trump Announces He Wants To Start Testing Nukes AgainSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's the day before Halloween so you know what time it is? Time to list your Mount Rushmore of Candies and Chocolates?

10-30-25 - Going Over Nostalgic Halloween Candies And Why They're Not Around Anymore - Cop Shoots One Of The Missing Test Monkeys In The South - Surgeon In Trouble For Taking His Daughter To Work And Letting Her In On Surgery - Trump Announces He Wants To Start Testing Nukes AgainSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Did yours make the list? Ashley's did!

The Weekly Dish is back to give their Top Twos and views on most hated Halloween Candies.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

John and Soren talk about the best food they made this week (after some domestic babble about dishwashers and ovens) and then get into the food news. Thanks for listening!!

Commissioner of Candy, Mike Ganger, arrives to share the latest winners in our Halloween Candy Bracket competition. Stormer's got the latest on the Osefo's response to the theft allegations against them. The blinds are full of hot gossip See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

✨ Welcome back to Zillennials Podcast! In this episode, Kaylee and Lian passionately debate their rankings of various Halloween candies.They discuss the evolving nature of candy preferences, the versatility of Kit Kats, and the controversial status of candy corn. Along the way, they explore the unique uses of classic candies in seasonal treats like s'mores.Tune in to hear entertaining debates, unexpected rankings, and find out which candies make the cut for the ultimate Halloween haul.00:00 Introduction to Halloween Candy Ranking00:46 Top Tier Candy Picks02:14 Debating the Best and Worst Candies04:11 Nostalgic and Unusual Candy Choices05:53 Peanut Butter and Jelly Controversy07:27 Fluffer Nutter Sandwiches and S'mores11:22 Ranking Non-Chocolate Candies16:03 Chocolate Candy Preferences24:57 Final Thoughts and Farewell

What is your go-to Halloween candy of choise? Join Intern John, Sos, and Rose as we list our favorites while also breaking down the list of popular candies for 2025 and more!Make sure to also keep up to date with ALL of our podcasts we do below that have new episodes every week: The Thought Shower Let's Get Weird Crisis on Infinite Podcasts

Warning: This episode contains a LOT of mouth noises.Today we're the most on trend we've ever been but don't get used to it. The potential for dental emergencies is HIGH as we encounter freeze drove plasma and cheese balls before hopping onto a new stupid candy bandwagon We're shellacked and popped as we wonder why humans do this and then ask how Matthew is like a Skittle. Molly's Now but Wow! - On Tyranny, the graphic edition, by Timothy Snyder Support Spilled Milk Podcast!Molly's SubstackMatthew's Bands: Early to the Airport and Twilight DinersProducer Abby's WebsiteListen to our spinoff show Dire DesiresJoin our reddit Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Some choreography tips to help us with PDD: Dance, Priscilla Presley interview insights, the most popular Halloween candies, and who is rumored to play Voldemort? See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are millennials really killing chocolate candies or is Jed making up yet another whacky conspiracy?

Are millennials really killing chocolate candies or is Jed making up yet another whacky conspiracy? See omnystudio.com/listener for privacy information.

What if the path to building a lasting company isn't about explosive growth and quick exits? Dave Whorton, former venture capitalist, challenges Silicon Valley's "get big fast or die" mentality in this eye-opening conversation. After witnessing the Netscape IPO transform startup culture forever, Dave discovered an alternative approach: evergreen companies built for profitability, purpose, and generational endurance. From his experience at Hewlett Packard to founding the Tugboat Institute, Dave shares why some of today's most successful businesses—from See's Candies to Enterprise Rent-A-Car—chose patience over pressure. His book "Another Way" reveals the seven principles that create companies designed to last decades, not just reach the next funding round.---Guy Kawasaki is on a mission to make you remarkable. His Remarkable People podcast features interviews with remarkable people such as Jane Goodall, Marc Benioff, Woz, Kristi Yamaguchi, and Bob Cialdini. Every episode will make you more remarkable.With his decades of experience in Silicon Valley as a Venture Capitalist and advisor to the top entrepreneurs in the world, Guy's questions come from a place of curiosity and passion for technology, start-ups, entrepreneurship, and marketing. If you love society and culture, documentaries, and business podcasts, take a second to follow Remarkable People.Listeners of the Remarkable People podcast will learn from some of the most successful people in the world with practical tips and inspiring stories that will help you be more remarkable.Episodes of Remarkable People organized by topic: https://bit.ly/rptopologyListen to Remarkable People here: **https://podcasts.apple.com/us/podcast/guy-kawasakis-remarkable-people/id1483081827**Like this show? Please leave us a review -- even one sentence helps! Consider including your Twitter handle so we can thank you personally!Thank you for your support; it helps the show!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Going to the movies is a favorite pastime of SO many. And a huge part of that experience is connected to the foods that accompany a good, old-fashioned picture show. But not all candies are created equal. In fact, some candies should never have been created at all! Whitney Capps and Russ Greer discuss their favorites in the candy space—a discussion that doesn't matter at all (but was super fun to record).We'd love to hear from you! Send us your thoughts or show ideas via text message.Support the showIf you want to learn more about how your life and your theology matter, join the Theology and Fun community.

Tea Hard Candies la Vosgienne and Claeys

Get Lautsänger headphones (use code “silk” for 10% off): Tonalitah.com [affiliate link] Access all 430+ episodes of Sleep Whispers (including lots of Story Time, Trivia Time, Whisperpedia episodes) by becoming a Silk+ Member (FREE for a limited time!). Become a Silk+ Member (FREE for a limited time!) and enjoy over 600 total episodes from these podcasts: Sleep … Continue reading Story Time | “The Magical Bon Bon Candies” by L. Frank Baum (A130)