Podcasts about Cleveland

December 31, 2025 - Season 16, Episode 71 of The Terrible Podcast is now in the can. In this Wednesday morning episode, Alex Kozora and I get right into talking about the latest news concerning Pittsburgh Steelers as they start preparing for their Week 18 home game against the Baltimore Ravens. The Steelers have made a few practice squad moves so far this week so we go over those transactions and what they might mean for a few players looking to return this week from injuries such as CB Brandin Echols (groin) and CB James Pierre (calf). Steelers HC Mike Tomlin held his weekly press conference on Tuesday and as usual, Alex and I parse all of the notable things that he had to say to the media. We discuss his comments on the health of the team heading into Week 18. We go over TE Darnell Washington (arm) being ruled out for this week and the possibility of him being placed on the Reserve/Injured list before Sunday's kickoff. We also discuss what Tomlin had to say about the possible return this week from injuries of OLB T.J. Watt (lung), G Isaac Seumalo, and WR Calvin Austin III (hamstring). Tomlin talked about the limited usage of WR Roman Wilson in Week 17, so we discuss his answer on that topic. We also talk about what Tomlin had to say about the usage of TE Pat Freiermuth and TE Jonnu Smith, both in Week 17 and moving forward into the regular season finale against the Ravens. Former Steelers WR Hines Ward once again failed to be named a Pro Football Hall of Fame finalists this past week, so Alex and I discuss that news. We go over what might be needed moving forward to at least see Ward named a finalist in the coming years. Alex and I begin our weekly recap of the All-22 tape of the Steelers' last game, the Sunday afternoon road win against the Cleveland Browns. We start on the offensive side of the football and spend a lot of time discussing the play of several individual players. We review, in detail, the play of QB Aaron Rodgers and WR Marquez Valdes-Scantling against the Browns. We also make sure to focus tighter on the final three offensive possessions the Steelers had against Cleveland. After thoroughly discussing the offensive tape from Week 17, Alex and I then do the same when it comes to the defensive side of the football. We discuss the Steelers defense having a good game overall after a shaky start in the contest, which resulted in the Browns jumping out to a 10-0 lead. We go over a few missed plays on defense and how that unit ultimately did enough to help the team win in Cleveland. This 112-minute episode also discusses several other minor topics not noted and we wrap things up by answering several emails we received from listeners. steelersdepot.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Dan Labbe from Cleveland.com joined the morning show to talk about the names being thrown out for the Browns next head coach if Kevin Stefanski is out and why he feels like Andrew Berry is safe.

Chris Fedor from Cleveland.com reported that Dan Gilbert is very unhappy with the way things are going with his very expensive roster and is getting more involved. What does this mean for Kenny Atkinson?

The second hour of the show talks about if Ohio State fans are sleeping on Miami, the guys are joined by Cleveland.com Browns beat reporter Ashley Bastock and if Jim Schwartz should be a candidate for Browns HC if Stefanski is fired.

Nick Wilson and Jonathan Peterlin wonder if change is coming in Cleveland after Sunday's game.

Cleveland.com Browns beat reporter Ashley Bastock joined "Afternoon Drive" Wednesday talking the state of the team and why she doesn't think the Browns will promote either Tommy Rees or Jim Schwartz to HC if Kevin Stefanski is let go.

What a year it has been, friends and what better way to wrap it up than with the weirdest, coziest, most confusing week of the year: the magical limbo between Christmas and New Year's. Kristin? She lives for this week. Pajamas at noon. Coffee refills. No alarms. JUST KIDDING BUT…she soaks it all in like she's on a tropical vacation… without ever leaving the farm. Danna, on the other hand, is READY. Tree down. Decor boxed. Returns loaded in the car. Let's move along, people. And then there are Kristin's hands, which are mysteriously orange. No, she didn't lose a self-tanner battle, she picked up a new hobby that might surprise you. You'll definitely want to hear how this one happened. Tom also stepped in as the ultimate wingman and whisked Kristin and Bill and Danna off to downtown Cleveland for a night out. The mismatched couples hit the casino, where one half of the 3/4 of them felt strangely at home, even while the house was winning. Let's just say luck showed up but not always in the way you'd expect.  They wrapped up the night dining at one of Cleveland's finest restaurants because if you're going to lose money, you might as well eat really well doing it. Meanwhile back at the barn… Willett got a brand new bed for Christmas and yes, it's as dramatic and well-deserved as you're imagining. It's cozy. It's funny. It's chaotic in the best way. So grab your coffee (or your leftover Christmas cookies), hit play, and help us send 2025 out in true Mismatched style. Make this last day of 2025 the best one yet and thanks for being part of our year.

Cleveland has some parking updates you may want to know about + Who goes, who stays?

​The Oxford-Harrington Rare Disease Centre represents a transatlantic alliance created to bridge academic research and drug development for rare diseases. Founded in 2019 by the United Kingdom's University of Oxford and the Cleveland-based Harrington Discovery Institute, the center leverages Oxford's world-class rare disease research and Harrington's pharmaceutical-scale expertise to address translational challenges and advance promising therapies for rare diseases lacking approved treatments. We spoke to Matthew Wood, director of the Oxford-Harrington Rare Disease Centre, about the challenges of rare disease drug development, the resources the center brings to address them, and the mechanisms it has established to accelerate therapeutic development.

On this encore episode of “613 Books” podcast, Heather speaks with Yocheved Davidowitz about her book, “I'll Start Tomorrow: A Practical Guide to Achieving Your Health and Weight Goals.” Yocheved is also a therapist based in Cleveland, Ohio and she produces and hosts a wonderful podcast she calls “A Deeper Conversation: The Podcast for Jewish Women.” And for a daily dose of insights and inspiration about the mitzvah of Shiras Halashon (guarding one's tongue) Yocheved hosts a brief daily audio message from a project called “Shmiras Halashon Effort.” In “I'll Start Tomorrow,” Yocheved explains why it's so hard to stay on a diet as well as societal and psychological factors that are affecting people's weight loss battles. She also gives practical tools to get healthy and stay healthy! SUBSCRIBE to “613 Books” Podcast and discover new books every week! = = = Show notes: Featured Guest: Yocheved Davidowitz, MC Featured Book: I'll Start Tomorrow: A Practical Guide to Achieving Your Health and Weight Goals To Purchase on Amazon: https://www.amazon.com/Start-Tomorrow-Yocheved-Davidowitz-M-C/dp/B08CJWKTGZ A Deeper Conversation: The Podcast for Jewish Women: www.maverickpodcasting.com/a-deeper-conversation Shmiras HaLashon Effort: Brief daily insights about guarding our tongue. Link to audio: https://us18.campaign-archive.com/?e=9de0e67127&u=5cc0317a1df3c36e068b747f0&id=e978210b4f Contact Yocheved: Lansinglanetherapy@gmail.com

In this Subtext subscriber Q&A–driven episode of the Wine and Gold Talk podcast, Ethan Sands and Chris Fedor dig into the most pressing questions coming from the Cavs' most engaged fans and use them as a lens to examine where Cleveland stands right now. The guys start by unpacking the decision to give Craig Porter Jr. meaningful minutes over a struggling Lonzo Ball, breaking down what it says about the coaching staff's trust, lineup flexibility and how delicate in-season rotation tweaks are handled. From there, the conversation turns to one of the more unexpected storylines of the moment: Jaylon Tyson's emergence as a legitimate rotational piece, with insight into his work ethic, rapid growth and why the Cavs believe his game translates to playoff basketball. The episode closes with a deeper, more philosophical debate about Jarrett Allen's place in the organization. Is he truly the heart and soul of the team? How central is he to the Cavs' identity? And, in a league driven by roster calculus, how untouchable is he really? It's a fan-driven conversation that blends on-court analysis with bigger-picture roster questions as the Cavs navigate a pivotal stretch of the season. Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100

Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100

Listen to Cleveland's Morning News with Wills and Snyder weekdays from 5 to 10 am on Newsradio WTAM 1100

Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100 & 106.9

Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100

Some people are born into ordinary places. She was born inside a working funeral home. This true story begins in the basement of a Cleveland funeral home—where bodies were prepared for burial and grief was part of daily life. Just hours before her birth, the body of a young man killed in a car accident was brought into the same space. Birth and death shared the room. And something noticed. As a child, she laughed at empty corners, reacted to unseen presences, and sensed shifts in rooms no one else felt. At just three years old, she saw eyes staring back at her from the darkness beneath her bed—and when she hid in fear, something stayed. When she reached out, it responded. Even after leaving the funeral home, the experiences followed. The feeling of being watched. The pressure in empty rooms. The sense that the haunting wasn't tied to a location—but to her. Once something sees you… it never truly lets go. #GhostStories #RealHaunting #HauntedHouse #BornInAFuneralHome #TrueGhostStory #ParanormalExperience #Unexplained #HauntedHistory #RealParanormal #CreepyTrueStory Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

Some people are born into ordinary places. She was born inside a working funeral home. This true story begins in the basement of a Cleveland funeral home—where bodies were prepared for burial and grief was part of daily life. Just hours before her birth, the body of a young man killed in a car accident was brought into the same space. Birth and death shared the room. And something noticed. As a child, she laughed at empty corners, reacted to unseen presences, and sensed shifts in rooms no one else felt. At just three years old, she saw eyes staring back at her from the darkness beneath her bed—and when she hid in fear, something stayed. When she reached out, it responded. Even after leaving the funeral home, the experiences followed. The feeling of being watched. The pressure in empty rooms. The sense that the haunting wasn't tied to a location—but to her. Once something sees you… it never truly lets go. #GhostStories #RealHaunting #HauntedHouse #BornInAFuneralHome #TrueGhostStory #ParanormalExperience #Unexplained #HauntedHistory #RealParanormal #CreepyTrueStory Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

Support the sponsors to support the show! Our listeners get the Harry's Plus Trial Set for only $10 at https://www.Harrys.com/SODER #Harryspod harrys.com/SODER Give yourself the gift of a healthier unwind. Right now, Soul is offering my audience 30% off your entire order! Go to GetSoul.com and use the code SODER. That's GetSoul.com, promo code SODER for 30% off. The Golden Retriever of Comedy Tour is coming to your city! Get tickets at https://www.dansoder.com/tour FEB 13 - Orlando,FL FEB 14 - Tampa,FL FEB 28 - Buffalo,NY March 6 - Boston March 7 - Philadelphia,PA March 19 Dallas,TX March 20 - Houston,TX March 21- Oklahoma City,OK April 4 - Huntington,KY April 10 - Charlotte,NC April 11 - Durham,NC April 17 - Munhall,PA April 18 - Cleveland,OH April 19 - Columbus,OH April 24 - Larchwood,IA Follow Ali Macofsky https://www.instagram.com/notalimac/?hl=en https://alimacofsky.com/ https://www.youtube.com/watch?v=jgr41UOwLgI PLEASE Drop us a rating on iTunes and subscribe to the show to help us grow. https://podcasts.apple.com/us/podcast/soder/id1716617572 Connect with DAN Twitter: https://Twitter.com/dansoder Instagram: https://www.instagram.com/dansoder Tiktok: https://www.tiktok.com/@dansodercomedy Facebook: https://www.facebook.com/dansoder Youtube: http://www.youtube.com/@dansoder.comedy #dansoder #standup #comedy #entertainment #podcast Produced by  Mike Lavin      https://www.instagram.com/thehomelesspimp/?hl=en

This show originally aired in the summer of 2025.  How do you rebuild after a real estate investing setback — and turn it into long-term rental success? In this episode of The Real Wealth Show, Kathy Fettke sits down with RealWealth member Sam Jo to share a powerful comeback story every investor can learn from. After losing money on a house flip during the 2007 housing downturn, Sam walked away from real estate for years. Nearly a decade later — and following a pandemic-related business closure — he returned with a smarter strategy focused on cash-flowing rental properties. Sam explains how he built a rental portfolio in Cleveland, why affordable Midwest markets stood out, and how partnering with RealWealth helped him avoid costly mistakes and accelerate his growth. If you're interested in building a rental property portfolio, learning from past failures, and investing with a long-term mindset, this episode offers practical insight and real-world inspiration.

The Steelers blew it in Cleveland. Can they rebound against Baltimore? Bryan Anthony Davis discusses this and more on his solo show, BAD Language. Steel Curtain Network is courtesy of the Fans First Sports Network. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of the JT Sports Podcast, JT gives the honest truth about Cam Ward and Shedeur Sanders and why the public evaluation of both quarterbacks is missing key context. JT explains why Cam Ward is playing far better than the box score shows, how Cam Ward is being held back by one of the worst situations in the NFL, and why Cam Ward could explode with competent coaching. JT also breaks down why Shedeur Sanders has a clear ceiling, why Shedeur Sanders can win in the right environment, and why Shedeur Sanders was never built to save a dysfunctional franchise like Cleveland. The episode also dives into NFL playoff contenders, the Chargers' limitations, the Texans' defensive dominance, and why Josh Allen's trust issues with the Buffalo Bills are real.

On today's show Nick and JP are joined by John Fanta of NBC Sports, Albert Breer of the MMQB, and Lance Reisland of Cleveland.com to discuss Kevin Stefanski's job security, Shedeur Sanders' future, Myles Garrett's sack record, and more! Nick and JP also debate if Stefanski will be in Cleveland next year, if the Browns have ruined him, Shedeur's ceiling, and if Myles Garrett breaking the sack record is the most important outcome on Sunday.

Lance Reisland of Cleveland.com joins Nick and JP to discuss the Browns beating the Steelers, Shedeur's performance, Myles Garrett chasing the sack record, and more surrounding the Browns!

Nick and JP are joined by Lance Reisland from Cleveland.com to discuss the Browns beating the Steelers, Shedeur Sanders, and more! Nick and JP also go into what they would do with 1.8 billion dollars.

Fear the 'Fro celebrates a glorious, magical night of Jarrett Allen dominance, Jaylon Tyson cooking, and CRAIG!  Plus the first ever in-flight mailbag, and a personal announcement.

The Steelers embarrassed themselves in Cleveland in a game that could have cemented themselves as AFC North Champions.  Instead they played uninspiring football and allowed Shadeur Sanders and the Browns to steal a win that makes this game against the Ravens a true win or go home contest. Join your hosts Jeremy Kohlman, Wil Masisak and Korey Karbowsky as they discuss deliberate the Cleveland loss, discuss the looming matchup against the Ravens, and predict some playoff games including the college football playoff games in the last week of the regular season.

ESPN insider Jeremy Fowler joins Kevin Clark to break down what's shaping up to be a quieter-than-usual NFL Black Monday. With teams firing coaches earlier than ever, the traditional end-of-season chaos has changed, and Jeremy explains why fewer openings may actually make this hiring cycle more intense. The guys dive into: Why Black Monday isn't what it used to be The teams already getting a head start on coaching searches Which jobs Jeremy has his eye on (Cleveland, Las Vegas, Miami, Arizona & more) Why there could be big changes on the horizon in Baltimore including at the QB position Learn more about your ad choices. Visit podcastchoices.com/adchoices

Labs and Tom break down the loss to Cleveland, set up the showdown with Baltimore, and get to this weeks batch of questions.See omnystudio.com/listener for privacy information.

The last of five “sacred doors” in Rome and at the Vatican will be closed on January 6, 2026. Around 30 million Catholics have made a pilgrimage there in 2025, proclaimed by Pope Francis to be a special “year of Jubilee.” By walking through those doors, pilgrims hoped to earn indulgences facilitating an escape from the suffering of Purgatory, either for them or their deceased loved ones. Is this religious tradition a glorious opportunity or spiritual exploitation? Are they doors of blessings or doors of deception?Comparative religion website: www.thetruelight.net Ministry website: www.shreveministries.org The Catholic Project website: http://www.toCatholicswithlove.org (English & Spanish) Video channel: www.YouTube.com/mikeshreveministries All audio-podcasts are shared in a video format on our YouTube channel. Mike Shreve's other podcast Discover Your Spiritual Identity—a study on the biblical names given to God's people: https://www.charismapodcastnetwork.com/show/discoveryourspiritualidentity Mail: P.O. Box 4260, Cleveland, TN 37320 / Phone: 423-478-2843Purchase Mike Shreve's popular book comparing over 20 religions: In Search of the True LightPurchase Mike Shreve's new book comparing Catholicism to biblical Christianity: The Beliefs of the Catholic Church

This could be the year of Austin per Dom. What do you want to happen the rest of the way with the Steelers? The Steelers game plan was terrible. They should have run it up the middle more. The shots the team did take, did not make any sense. Tomlin said he had no issues with how Rodgers handled the last couple plays. A bunch of calls regarding the Cleveland game.

Farabaugh joins. The Steelers and Ravens game is the matchup of mid. Not having DK Metcalf really hurt the Steelers. They could not afford to lose anyone else offensively. He makes the game easier on them... Pat Friermuth needs to be used more. TJ Watt's participation this week is up in the air. 

Brian Batko joins to Review Cleveland Game and Preview Baltimore full 1689 Tue, 30 Dec 2025 18:45:12 +0000 ETMNNlB7BMp2KJrqKS23kqIcQ2cheEL1 nfl,pittsburgh steelers,ravens,sports The Pomp And Joe Show nfl,pittsburgh steelers,ravens,sports Brian Batko joins to Review Cleveland Game and Preview Baltimore with Bob Pompeani and Joe Starkey. © 2024 Audacy, Inc. Sports False https://player.amperwavepodc

This could be the year of Austin per Dom. What do you want to happen the rest of the way with the Steelers? The Steelers game plan was terrible. They should have run it up the middle more. The shots the team did take, did not make any sense. Tomlin said he had no issues with how Rodgers handled the last couple plays. A bunch of calls regarding the Cleveland game. Where was Jaylen Warren and Kenneth Gainwell? Was the Steelers game plan against Myles Garrett smart? More callers.

Les San Francisco 49ers ont gagné un match palpitant contre les Bears. Avec un Brock Purdy magnifique et une attaque qui performe, les Niners peuvent viser le top de la conférence NFC. Sont-ils devenus des prétendants au titre? Réponse dans ce podcast.On revient également sur des Eagles qui gagnent dans la douleur à Buffalo, et des Steelers qui chutent contre Cleveland.Lucas Vola et Victor Roullier sont au micro !Bonne écoute ! Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Donny says he was an idiot for believing in the Steelers this past Sunday against the Browns. What went wrong for Pittsburgh in Cleveland?

Hour 1: Donny Football in for the guys today! Was Donny an idiot for his Steelers-Browns prediction? Did NBC make the right call picking Steelers-Ravens for Sunday Night Football? And how often can you actually blame referees for a loss? Hour 2: The guys try to figure out who is hosting the midday show today. Jeff Hathhorn joins to talk about where everything stands with the Steelers. And Donny made an observation during CBS' broadcast of Steelers-Browns on Sunday. Hour 3: Trai Essex joins the show to break down Steelers-Browns. Could next Sunday be the final game of Aaron Rodgers' career? And the Steelers are historically struggling in Cleveland right now. Hour 4: Dan Kingerski joins the show to break down the Penguins' recent trade. Why is Pens attendance at PPG Paints Arena down right now? And is Hines Ward a Hall of Famer?

Hour 3: Trai Essex joins the show to break down Steelers-Browns. Could next Sunday be the final game of Aaron Rodgers' career? And the Steelers are historically struggling in Cleveland right now.

Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100

Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100

Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100

Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100 & 106.9

Listen to Cleveland's Morning News with Wills and Snyder weekdays from 5 to 10 am on Newsradio WTAM 1100

Stirring the Pot with Lou Marconi and Johnny Cleveland Learn more about your ad choices. Visit megaphone.fm/adchoices

Álvaro Martín y Arturo Carlos analizan la derrota ante Cleveland, los problemas de la ofensiva para ajustarse al esquema defensivo de los Browns y encontrar ritmo, los aciertos en decisiones y ejecución de la defensiva de los Steelers, responden a sus preguntas en Punto Extra y más de la derrota 13-6 en la Semana 17.See omnystudio.com/listener for privacy information.

First Take begins with a shocker in Cleveland! Shedeur took down Rodgers, and the Tomlin doubters return. Do the Steelers need to find a new head coach? (0:00) Then, how much can we really trust the injured, potential NFC one seed 49ers? (16:00) Next, a heated debate about the Bills decision to go for 2 at the end of the game. (25:10) Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's been another interesting year in the world of personal finance and macroeconomics. As we look ahead to 2026… well, who really knows what's coming? I'll be sharing my own take—and making a few predictions—in an upcoming episode. What's hard to ignore is just how unusual this moment in history is. We're coming off COVID. We went through a rapid rise in interest rates, and now a pullback. Tariffs are back in the conversation. There are a lot of moving parts, and as usual, the consensus hasn't exactly nailed it. Almost every expert was convinced tariffs would push inflation higher. I expected at least a temporary bump—some transient inflation while markets adjusted. Then the CPI report came out at 2.7%. That's a lot closer to the Fed's 2% target, and nearly half a percentage point lower than expectations. Clearly, something else is going on. At the same time, GDP came in at around 4.3% growth. That's real strength. Inflation is coming down, growth is strong, and while the labor market is still a little murky, there's no question there's underlying momentum in the system. Investors haven't quite felt it yet. It's been a sticky environment. But my sense is that we're getting closer to a shift—more liquidity, more money in the system, and markets that may start moving meaningfully again. Of course, we'll see how it all plays out. For this episode, my producer Phil pulled together some of the highlights from the show in 2025—a look back at the conversations and ideas that stood out in a year when the data kept surprising just about everyone. I hope you enjoy it. And again, happy holidays. Merry Christmas, and Happy New Year. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Welcome everybody. This is Buck Joffrey with D Wealth Formula Podcast, coming to you from Montecito, California and, uh, want to wish you, first of all, a happy holidays. Merry Christmas, happy new Year, all that. And, uh, yeah, it’s been, uh, it’s been another, uh, another interesting year in the world of personal finance and macroeconomics is what, what we talk about on the show. And as we look forward to 2026, gosh, who knows what’s gonna happen, right? Uh, well I’ll give you my take in, uh, show coming up where I’m gonna make some predictions. However, you know, it’s just, it, it, it’s just such an unusual time in, in history. Um, as we kind of look at. Coming off of COVID and having those high interest rates and then coming, uh, coming down and then having Trump elected and now the tariffs and well, gosh, who knows? Right? I mean, just for example, you know, almost every expert was pretty much guaranteeing that inflation would go up because of the tariffs. I mean, even if it was transient, which frankly I thought it was gonna be transient, meaning that there was gonna be a bump in inflation. For a period of time until there was a readjustment after tariffs. Well, TPI comes up most recent CPI is actually 2.7. You know, that’s much closer to the fed target of 2%. And, um, 2.7 was, you know, I think, uh, almost a half, half percentage point less than the expected, uh, CPI, uh, report. So that, that’s obviously something else is going on there. And then. GDP numbers came out and we had a four handle. It was like 4.3, I believe, GDP. So we’ve got incredible growth. We’ve got decreasing inflation. The labor market is still, I know, a little unclear, but it seems like there’s a lot of strength in this market. Of course, it’s really sticky investors. We haven’t quite felt that strength yet, but I do think you need to start anticipating. That markets are gonna come back pretty heavy, uh, with increased liquidity, uh, and a lot of money in the system. But we shall see, uh, this show. What we’re gonna do here is, uh, my, uh, producer Phil put this together, but it’s basically some of the highlights of, uh, the show in, in 2025. So hopefully you enjoy it. Uh, and again, happy holidays. Merry Christmas, new Year. And we’ll be back right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying. You compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique, it’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its back. Turbocharge your investments. Visit wealth formula banking.com. Again, that’s wealth formula banking.com. How do you approach the process of identifying stocks that are maybe best suited for consis consistent cash flow? Or do you just pick the stocks that you like and, and create the cash flow? Or are, you know, fundamental metrics that maybe you prioritize? Yeah, the, the, the first thing to determine. I think real estate investors understand this is if I were to invest in real estate, I’m gonna determine whether I’m gonna be a flipper, or I’m gonna try and buy low forced depreciation, sell high. Or if I’m gonna be a cashflow investor where I might invest in syndication, or I am, I’m gonna have tenants in property management. And the same is true with stocks. Most people start off by thinking about price rather than cash flow. They think about buy low, sell high, like a house slipper, and that’s, that’s less tenable in stocks because in real estate, if I buy low and sell high, I can do things to force appreciation. I can renovate, I can get new management, I can put in new appliances. I, there’s things I can do to force appreciation. But once a person buys a stock, there’s absolutely nothing you can do to make the stock price go up. But if you take a a, if you think of it like a real estate investor. You think about it like owning a business where the priority, as you mentioned these metrics, the priority is, Hey, what kind of cashflow will this produce be in terms of dividends and in my case, option premiums. And so some of the key metrics is, you know, if I, I’m basically buying a financial statement, same as real estate. You know, I, I, I, it is just a little different numbers in real estate. I wanna know what the net operating income is. In stocks, I might wanna know what the EBITDA is ’cause they’re essentially looking at the same types of things in real estate. I wanna know what the cap rate is in stocks. I wanna know what the PE ratio is, which is just the same number inverted. They just put the price on the top instead of the bottom. To me, I don’t see a difference between real estate and stocks, uh, in that they’re both a business or they charge someone for a good or a service. And there’s either cashflow there at the end of it or not. If people take a cash flow approach, they can begin to build on their passive income. And that contributes to that blueprint we mentioned earlier to get ’em outta the route race. So if you take a Warren Buffet approach, the most important number in that business is operational cash flow or earnings. Meaning does what they do, their operation. You know, you walk in there, a nice operation you got going here, you know, trucks are moving and you know, products are being built and shipped and, and nice operation. If they’re earning money, that means that’s the life flood of the business. That means it’s got a good moat. That means it’s pretty protected and that allows them to do two things for me. Number one is a dividend, which is exactly the same thing as a distribution in real estate. Uh, there is no difference, uh, in a syndication. I have a whole bunch of investors I’ve joined with where you have a share of this project and when the earnings come out, they distribute the, the distributions among the share shareholders. Same is true with stocks. They take the earnings, uh, we call it a payout ratio, and they take a, a, a significant amount of that money and they pay it in a dividend, same as a distribution. But what I do that’s a little bit unique buck is, uh, is I also have the options market on my side. Where I can use options to control risk, uh, to get guarantees where I can buy and sell, but even more importantly, I can offer, uh, and get paid for making promises to people. This is very much a Warren Buffet deal where it, it brings a significant increase to my monthly cash flow beyond the dividend, up to three, two and three times. Uh, the amount of money, two to 300% more cash flow. By being involved in the options market and that’s, that’s a nice secret sauce. The yield max Tesla option income, ETF, which is TSLY. And basically what it does is. Is it just does a series of longs and shorts and, and then generates what looks like to be kind of a, a ridiculous amount of, uh, dividend, uh, per, per month. So what are we missing here? What, what’s, well, you’re, you’re basically hiring those guys to mow your grass. It’s just like any other mutual fund or any other. They’re doing something you could absolutely do by yourself and not pay them a fee. There’s two cultures. There’s the advice culture and there’s the education culture and the advice culture. People say, look, I don’t wanna learn anything. Just gimme the advice. Well, you’ll pay for that in fees. And the problem with doing that is if you really listen to Warren Buffett, which 1% is enormous. Because in the wealth blueprint that we do for people, we use compounding. We use the compounding calculator to see what we’re gonna need. You drop that 1%, you give up 1% of your compounding powers as an investor over your life, it, it wouldn’t seem like 1%, but Buffet knows the truth. It’s enormous. So yeah, absolutely there are ETFs and there are funds that will do exactly what I do or what I teach people to do, but we have some advantages in doing it yourself because risk is about control. I trust myself more than I trust those guys any day of the week. And like I say, I’m doing this by month, so yeah. But it’s legit. How do you even make predictions? And second of all, I mean presumably you still have some forecasts over the next, uh, 12 to 24 months, and maybe you could tell us a little bit about that. Our methodology lends itself to times of uncertainty like this, and that’s the benefit of really relying on the leading indicators that we have. Now. We do have to take a little bit of a different approach. We have to look at data in a lot higher frequency today. You know, a lot of the data you get from government sources or quarterly data, monthly data, but we’re having to track weekly trends with the ever-changing environment that we find ourselves in. So we’re not surprised by the time any monthly or quarterly data comes out. The level of uncertainty that we’re dealing with is certainly unprecedented. I share an index each day, um, and we are three times more uncertain today than we were at the height of the pandemic. You know, put that in perspective, right? Yeah. So we do have to adjust, um. The, the way that we’re looking at data with higher frequencies, we also have to rerun a lot of these correlation analysis. Every single time we get a new data point to see are these lead times becoming more condensed? Do we have to make adjustments in our models as a result to maybe data reacting quicker than it might have in the past? So those are some of the ways that we’re, we’re continuing to evolve in these interesting times we live in. This relates to our forecast. Our team expected some weakness in the first part of this year, and, and we knew that coming in with the, with the tariffs that were proposed during President Trump’s campaign, we did have a weak first quarter GDP number forecast. Our team was 0.1% off of nailing that first quarter GDP number, so they were right on the money there. Uh, we were very impressed with that, but we do expect a sluggish first half of the year. We call it the recovery phase of the cycle. What we mean by that is our growth rates are still building momentum, but are still negative year over year. You know, ITR. Really known for its emphasis on leading indicators. So which of the leading indicators you guys rely on the most when and, and I guess which are flashing red or green right now? I’ll give you one of each. Uh, yeah. The one we’re in right now, we look at the purchasing managers, index isms, purchasing managers index. Now we look at at on a one 12 basis. What I mean by that is we compare the most recent month, the same month one year ago. The reason we look at it on that basis is it gives us 12 month lead time into the future when you correlate it to the economy. That index was recently rising until we got the most recent month of data, and then it dropped back down. So that is giving us the mixed signal of, hey, we need to be a little bit more concerned about the prospect for growth moving forward. Now the opposite is true when we look at an indicator called capacity utilization. What Capacity utilization measures, it’s about an eight month lead time to the economy. So still a nice view into the future, but what it measures is output over capacity, and that actually continues to improve meaning. And again, really all that means on a simple level is we’re utilizing more of our existing capacity, so we’re getting busier. If we look at the consumer side of inflation that the Fed’s more concerned about in terms of setting policy, we have inflation essentially flat this year from where we are today. Now, if you look at the CPI, it’s at 2.8%. Our projection for the end of the year is 2.8%. We don’t see inflation coming down much at all. As a result of that, that’s why you’re seeing Chairman Powell back off being able to cut rates and is holding these rates steady because he sees these higher inflation risks as well. And so from our perspective, it’s very unlikely you see any meaningful interest rate decline this year. Yeah. Now again, the second quarter, GDP number can have an impact on that. We do see a very weak second quarter chairman Powell alluded just a couple of days ago to some slack in the labor market. Maybe you can get a quarter point if we have a really weak second quarter, quarter point cut, but it just seems very unlikely given how persistent inflation has been. And so we tell all of our clients, prepare for interest rates to be relatively flat this year, and prepare for interest rates to rise through the balance of the second half of the decade. It’s not just tariffs, it’s employment costs, it’s electricity costs, it’s material costs. There’s a lot more driving higher inflation than just tariffs. What macroeconomic trends are you watching right now with regards to how they’re shaping the markets today? I think there’s really three things right over the long run. They’re gonna debase the currency, that’s gonna be a persistent tailwind for all liquid, uh, assets, including stocks. Bitcoin gold and bonds. And then I think that you also are going to have a, uh, very interesting dynamic around all these tariffs, uh, and kind of the administration’s economic policies. And then the third thing is that there is a whole technology, uh, trend to, uh, pay attention to. Uh, obviously innovation is very deflationary. Uh, we’ve got, you know, things from humanoid robots to rockets to gene editing, to uh, to crypto and everything in between. And so I think those three things really tell the story of where, uh, markets potentially go in the future. When I grew up, um. S and P 500 was the benchmark. There’s a risk-free rate in bonds. I believe that my generation and younger sees Bitcoin as the benchmark. And so, uh, it’s very simple. If you can’t beat it, you gotta buy it. And I think that there’s institutions around the country who are realizing they can’t beat the benchmark and therefore they will end up buying it. And really, to me, that is, uh, maybe the most interesting. Part of the entire conversation is that Bitcoin obviously has risen significantly on a percentage basis in appreciation. Bitcoin has kind of infiltrated every corner of finance, but most importantly is it has transitioned from a high risk, you know, kind of asymmetric type asset to now it’s becoming the hurdle rate uhhuh. And if you’re the hurdle rate, you suck up a lot of capital. Yeah. Because there’s not a lot of people who can beat you. And I think that that is a very powerful position for Bitcoin to be in. And that’s how you infiltrate into, uh, the institutional portfolios. Bitcoin will stop going up. When they stop printing money. I don’t think they’re gonna stop printing money, so I don’t think Bitcoin’s gonna stop going up. That’s kind of one huge component of this. The second thing is that Bitcoin is very unique in that the higher the price goes, the less risky it is deemed by the largest pools of capital. Mm-hmm. And so usually, you know, if NVIDIA’s at a $4 trillion market cap, people like, oh, it might be overvalued there. A lot of debate. Right. Bitcoin if it was at a $4 trillion market cap would be way less risky than it when’s at 2 trillion. And so there is a lot of structural advantages, both from the legacy world but also from the Bitcoin market that I think will continue to lead to these large institutional capital pools. Uh, allocating some percentage. And the beauty is right now we have very small adoption in that world. Uh, it’s only gonna get bigger. It’s only gonna get more normalized. And I think that one of the parts people really underestimate when it comes to Bitcoin is how important time passing is. You know, if you think back, uh, there is not anyone under the age of 16 that has lived their life without Bitcoin existing. If you’re keeping large chunks of money in savings account, paying less than 1% or any percent less than inflation, you’re bleeding wealth every single day. It feels safe. It looks safe, right? ’cause the numbers may not be moving nominally but it, but it’s not safe. It’s a bucket with a hole in the bottom and you don’t even notice until it’s almost empty. That’s why the wealthy don’t hoard cash. They own assets. They own assets that inflate with inflation. If you can’t beat ’em, join them. They buy things that grow in value as dollars shrink because they understand the system. They don’t fight it, they ride it. So you’ve said many times that the current monetary system is broken and headed for reckoning. So from your perspective, what are the core flaws in the system right now and how do we get here? Well, probably the largest and most obvious underlying flaw in the monetary system is the fact that the federal government just can’t balance its budget. And so they have to take on debt to cover the deficit that they run and that deficit. Well, you know, over the course of the last 20 years, it’s gone up and down. More recently, it’s gone mostly up and, uh. We just came through a period where, you know, it was reemphasized to everybody. Just what a problem this is. Because as you’ll recall, when Trump was first elected, they were talking about those, the Department of Government Efficiency and cutting expenses and you know, maybe 2 trillion or 1 trillion. Of course, then Elon got frustrated and left and the numbers have come down and you know, Trump and the Freedom Caucus was saying they were gonna try and balance the budget or at least cut expenses. And of course, what we know is that they just passed this big beautiful bill. Which really increases the deficits and they bump the debt, uh, ceiling up by another $5 trillion. So sadly, what do many of us have seen and been saying, which is to say they just can’t stop, kind of continue. Seems to be continuing. And, um, you know, the reason why that, just to close the full circle, the reason why that matters is they, they do this debt, they issue debt to cover these deficits, and then the debt requires interest payments and, you know, there’s not enough money to make the interest payments. And so. They more or less have to print the money, you know, and inflate the money supply to keep the system going. And that’s why it’s so important to hard assets. You know, we need to grow the economy at, you know, 4, 5, 6, 7% a year, which, which we’ve never really done on real terms. Well, I think that is kind of what they’re projecting it might be, but it, it’s gonna be harder than hell to achieve. I mean, it just, where you can’t just snap your fingers and create that growth. Now, don’t get me wrong, if you start to, if you ramp up inflation. If you have 10% inflation, well then the GDP number’s gonna get bigger, fast. And so really the model they’ve used, they call it the R Star model, is that they’ve got to have faster growth. Growth rate has to be higher than interest rates, or else you’re in a debt spiral. And so what’s been happening is, by the way, that’s why Trump wants to take interest rates down so much. You know, he is called for a 300 basis point cut. Imagine right now with inflation running at three plus percent, if they cut rates to one point a half percent or one point a quarter percent, I mean, it would be good for the economy. People would refi their houses. You know, there were all kinds of, you know, growth, right? Huge. But in turn it would be inflationary, very inflationary. That’s the trap. They’re really kind of caught in. It’s a seventies kind of stagflation sort of environment. You know, if they don’t keep rates low, they’re not gonna have any growth. If they want to get growth, they’ve gotta keep rates low. That’s gonna lead to monetary creation, which is gonna lead to inflation. Look how it all resolves is very complicated and none of us know. Yeah, sure. But what I do know with very high certainty, with a lot of confidence is this is going to be an inflationary decade. It’s already been an inflationary decade, and because of the way the math is today is very highly likely to continue to be an inflationary decade until we fix this monetary system. Well, we have less than 3% adoption. Three goes to six fairly easily. You know, human beings underestimate how long change really requires, and then we really underestimate how much change actually occurs. Think the internet like we are moving into a digital planet, right? Robots are not going to use credit cards, man. They’re not gonna use, they don’t need visa. We don’t need middlemen. The cool thing about Bitcoin, unlike the Rolls Royce, is you don’t have to buy the whole Rolls Royce. You can buy a fraction of it. You know, you don’t, maybe you guys partner with each other to do apartment buildings. Well, you’re already doing fractured deals on apartment buildings, so Sure. It’s not really that different. 2%, 3% goes to six. I mean, it does go to six. You have the largest ETF in the history of ETFs, okay? This supersedes the goal. ETF by orders of magnitude. I study markets very, very well, price. Really gets people’s attention. I think price is, uh, 90% of Bitcoin. Like I am truly a supply and demand guy. Oh wow. 21 million. And you guys have lost four. You lost 4 million coins. Oh, how’d you lose the 4 million? You lost the 4 million. I know how you lost it. You mispriced it. Bitcoin has been mispriced every day. Its entire history. Dude. 19 million coins have been issued. The addressable market is 8 billion people. You don’t need ’em all. Yep. You just need a small function of those 8 billion to go, Ooh. 21 million units and and four have been lost. It’s already mispriced. Okay. They’re pricing Bitcoin at one 15 Today, assuming there’s 21 million units, we know there’s not. There’s 17, so the supply shrunk. The market caps at 2 trillion. Hello. The standard deduction for a household is now, uh, what in a low 32,000 range. And it turns out that 60% of the households in the United States cannot take advantage of itemized deductions. That is when they take their mortgage interest, property taxes, charitable deductions, they don’t get that number. And so there’s not as much benefit to home ownership as there used to be in the United States. With our big institutional players, nobody wants their appraised values to be quickly marked down to market, because if your competitors don’t do the same thing and they’re part of the index and benchmark that you compete against, you’re going to underperform. And so we’ve traditionally had a lot. Appraised values for real estate among the institutional players, especially. You don’t get this out of the private market, but you get this from the nare players, the institutional type players, and, um, and everybody’s, uh, uh, fearful of underperforming that index. I would prefer as a private investor just to go ahead, bite the bullet and mark it down. Now take the pain if in fact you’ve seen it go down. Some markets have seen property values go down 30, 35% even in multifamily, but they’ve bottomed out in the transaction market and, and absolutely the, uh, the appraisers are gonna have to bring it down and the owners are gonna have to ease up that pressure and say, yes, I want a realistic appraisal. But, um, but there is that fear of underperforming the index and that’s. What’s holding up the American appraisal firms in 2008, 9, 10, 11, we saw a lot of deep distress. The the smart money was ready for it. Now, there’s a lot of people with dry powder, as we say. Ready to p on the market hoping for some distress from those who cannot refinance now, whose, whose CMBS loan or other money is, is rolling. A couple points there. One is, I think you’re going to see more loan modifications this cycle than last time because they realize it’s temporary and they realize that not all properties are in trouble. And these tend to be the higher leverage properties. The smart private wealth investors tended to use conservative leverage over the last several years knowing we’d hit a cycle and, and they probably are 65% or less. Leverage some of the, um, greener newer investment managers might have gone up to 80% and might have even used variable rate debt when they shouldn’t have. They’re the ones getting nailed. They’re losing all their equity and that property is distressed. So there’s not that much of it out there. But there’s a little bit, and I would certainly pounce on it if you can find it. There are often a lot of sort of hidden costs associated with buying versus renting. Can you talk about trying to weed through some of that? Sure some of the highest costs that we don’t think about when we own, although we do take cut down on risk. And also I think that’s come back to consumption. I, I is the fact that there’s the opportunity cost. So think about having 50%, a hundred percent of your home paid for. This, it’s the opportunity cost. You’ve actually taken capital out of play at higher returns to put it into something that perhaps, yes, you see it as a form of an investment, but it’s also partly consumption. And I think that’s why many people end up paying for their homes when they can, because there’s an old saying, and that is, you can’t go broke if you don’t owe money on it. Right? So if you, it’s hard for the lender to come get your home and you don’t really care, right? You wanna be able to. Have no debt on your home. It doesn’t make the typical financial sense if we argue at it from leverage and returns and maximization of returns. I think most people this high end level are looking at, you know, I, I, I, I have high net worth. I’m looking at both consumption and the investment side of the component. But very often the consumption wins and the investment is I can be safe and I can own this house. Outright in many states too. Your homeowner, the home that you live in, you are actually, if you’ve homesteaded the home, you’re actually protected against lawsuits and other things that are out there. Divorce cases will protect your position in, in terms of a homestead, so you can protect a significant portion of wealth by having a paid for home. What are some of those markets that are really overpriced versus. I guess underpriced right now. So when we look at the top 10 most overpriced markets in America right now, we look at their prices, where they are and compare them to where they should be statistically modeling them. We’re seeing the most overpriced markets are Detroit at 33.5% and then falling, falling, descending. Order of Cleveland, Ohio. New Haven, Connecticut, Akron, Ohio, Worcester, Massachusetts, Las Vegas, Nevada, Hartford, Connecticut. Rochester, New York, Knoxville, Tennessee, Toledo, Ohio. You’ll notice. And these are overpriced. These are overpriced. These, the overpriced mark. That’s so, that’s sort of counterintuitive, isn’t it? Ab absolutely. But yes. Wow. Okay. And then h how about the, uh, underpriced markets? I’m curious on that too. Sure. So when we then go to the opposite end of the spectrum, and usually now with underpriced comes risk and there’s risk in both of these markets, what you wanna do, both overpriced and underpriced, what you wanna be long term in a housing market. Uh, ’cause you want to be really close to that trend and not have these dramatic swings. It’s just like stock price. We don’t like volatility. Housing, it’s, it’s dangerous for performance. The most underpriced markets. We only have four markets in America right now that are trading at a discount relative to their long-term pricing trend. In other words, statistically, where they historically prices say prices should be today only four cities are underperforming. That that’s Austin, Texas at 3.1% below where they should be, or a discount of 3.1%. San Francisco at a discount of 6.5%. Wow. New Orleans, Louisiana at a discount of 8.7 and Honolulu, Hawaii at a discount of 10.3. Notice I’m not saying these markets are inexpensive. They’re just below where they’ve historically been. These are the best buys right now because they’re below their long-term trend. One of our other indices, we call it our price to rent ratio. It’s really a PE ratio for rents versus home ownership. And then so we can look at that. So if you’re in our a hundred markets, we know the average price, right? So it’s gonna be priced, divided by the annual average rent. So it’s gonna be how many dollars in price do you pay for every $1 and annual rent? And that gives us the relative difference between owning and renting. The higher that ratio. The, the more you should on in general be leaning towards renting, the lower that ratio, the more you should be leaning towards owning. And we used to do an old buy versus rent index for 23 cities. We now do it for 100 cities. And this price to rent ratio produces almost the same exact answer. So when we look at the average price to rent ratio in an area and we just compare, are they above or currently are you above the price to rent ratio? Uh, for Los Angeles, California. Are you below it? If you’re above that average for say the last 10 years, you’re gonna be rent friendly. If you’re below it, you’re gonna be bio friendly. I can do this very quickly. Pick a California market you’d like to know about. Why don’t we try Dallas, Texas. Okay. Dallas, Texas. That one’s in the top 100 in terms of population. So Dallas, Texas, uh, their price to rent ratio is at about a, just below a 6% premium. In other words, that trade off between renting and owning is about 6% above where it should be, so it slightly favors renting. I’ll jump to the next index. If we look at actual prices in Dallas, there’s a slight premium. So it’s, it’s, it’s telling me, Hey, that my price to rent ratio’s high, slightly favoring ownership, but it’s probably because prices are a little high and they might change. Uh, Dallas has had a bit of a. Premium right now. So I will now go look at Dallas rents. My gut feeling is they’re gonna be below average and they are. They’re at about a 4.5% discount. So that’s just market dynamics in motion right there. And we can do that for a hundred cities pretty quickly. Mm-hmm. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Good news. If you need to catch up on retirement, check out a program. M put off by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed it and uh, once again. Thanks again for listening. Uh, I truly appreciate your support. I hope, uh, I hope it’s been entertaining for you and that you’ll learn something along the way and, um, you know, always appreciate your feedback. Shoot me an email, bucket wealth formula.com. Let me know if there’s things that you want me to do. Let me know if there’s things you wanna hear more about. Uh, but hopefully it’s gonna be a good year and we’re gonna keep plugging away talking about the, you know, try to get educated myself and pass along information to you on Wealth Formula Podcast. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit well formula roadmap.com.

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Success In His 20's with Real Estate follows Camden Frances' journey from bootstrapping his first company as a lifeguard to building a 20-business holding company and investing strategically in cash-flowing real estate. Camden breaks down how he used tech exits, mentorship, and disciplined due diligence to enter the Cleveland market, diversify his income streams, and build long-term stability.  He also shares the importance of strong connections, choosing the right property management team, avoiding common investor mistakes, balancing risk across portfolios, and defining success from within—not by external comparison. _______________________________ If you want to learn how to run your business in 5 hours or less.... Go to https://www.5HourBusiness.com Subscribe to my YouTube channel:    / @tonyjavierbiz   And if you're into flying and want to follow my Aviation journey, check out my other YouTube channel at    / @tonyjaviertv   _______________________________ Follow me on Social Media: Tiktok -   / tonyjavier.tv   Instagram -   / tonyjavier.tv   Facebook Personal -   / tonyejavier   Facebook Business -   / realtonyjavier   ________________________________________ If you want to dominate your Real Estate Market with TV commercials, go here: https://www.ClaimMyMarket.com If you want to connect with me and my network, go to https://tonyjavier.com/connect If you want to check out Tony's Real Estate Resources and Vendors go to https://www.TonyJavier.com/resources ________________________________________ Tony is the owner of an INC 5000-rated Real Estate Investment Company. He has been featured in Bigger Pockets, Wholesaling INC, Steve Trang's Real Estate Disruptors, Joe Fairless' Best Ever Podcast, and many other top podcasts and platforms. When Tony is not working on his business, he enjoys flying his plane. You can see videos on that and how he uses airplanes to save money on taxes. Don't forget to like the video, comment, subscribe to my channel, and share this with a friend if I'm doing my job and providing value to you and your network. If I'm not doing my job please let me know in the comments how I can be better, your feedback is greatly appreciated. See you in the next video!

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