Podcasts about colorado springs

This week's feature dives into Velocity and how to power your winter bike workouts indoors, exploring smart training decisions that build strength, confidence, and resilience. We kick things off with key announcements — including TriDot Pool School in Colorado Springs — followed by this week's Get Gritty Mindset Tip on navigating injuries, identity, and setbacks. We wrap with Winter Triathlon Armageddon, putting you in the toughest cold‑weather scenarios to sharpen your decision‑making. Supported by our show sponsor Vespa Power Endurance, and our coaching partners at TriDot.#Grit2Greatness #VelocityCommunity #CoachingTips #Ask A Coach #TriathlonCoach #TriathlonPodcast #303Endurance #TriDot #EnduranceAthlete #SwimBikeRun #GetGritty #TriathlonTraining #CyclingLife #CyclingCommunity Website - Grit2Greatness Endurance CoachingFacebook - @grit2greatnessenduranceInstagram - @g2genduranceGet Started with Grit2Greatness -Getting Started with Grit2Greatness - Google FormsCoach Contact Info:April.spilde@tridot.comTriDot Signup - https://app.tridot.com/onboard/sign-up/aprilspildeRunDot Signup - https://app.rundot.com/onboard/sign-up/aprilspildeCoach Lauren BrownLauren.brown@tridot.comTriDot Signup - https://app.tridot.com/onboard/sign-up/laurenbrownRunDot Signup - https://app.rundot.com/onboard/sign-up/laurenbrownCoach Rich SoaresRich.soares@tridot.comRich Soares CoachingTriDot Signup - https://app.tridot.com/onboard/sign-up/richsoaresRunDot Signup - https://app.rundot.com/onboard/sign-up/richsoaresGet Gritty Sponsor: Vespa PowerVespa Power Endurance helps you tap into steady, clean energy—so you stay strong, focused, and in the zone longer. Vespa is not fuel, but a metabolic catalyst that shifts your body to use more fat and less glycogen as your fuel source. Vespa comes in CV-25, Junior and Concentrate.Less sugar. Higher performance. Faster recovery.Home of Vespa Power Products | Optimizing Your Fat MetabolismUse discount code - 303endurance20

In his first seven years in office, Democratic Gov. Jared Polis had a lot of challenges and tragedies to contend with: the COVID-19 pandemic; the 2021 Marshall Fire and other climate disasters; shootings in Boulder, Highlands Ranch, Colorado Springs and Evergreen. These events defined his governorship, as did, what he's heralded as, some big-ticket policy wins: free full-day kindergarten and universal preschool, cutting the income tax, and wooing the Sundance Film Festival to Boulder. But during his final State of the State address this month, Polis made it clear there's still work to be done in his lame-duck year. CPR's Bente Birkeland, KUNC's Lucas Brady Woods and The Colorado Sun's Jesse Paul discuss what's on the governor's to-do list, how policy clashes with his own party could play out this session and the pressures from a  White House that seems bent on punishing Colorado. Catch up on our latest coverage: Purplish: Get ready for a new legislative session under Colorado's Gold Dome Colorado Matters: Polis talks advancements on Colorado agenda amid federal pressure The Colorado Sun: Colorado's governor gave his 8th and final State of the State speech. We analyzed everything he said. The Colorado Sun: House declines to override Trump veto of bill to complete water pipeline in southeastern Colorado Tina Peters from CPR, KUNC and The Colorado Sun Purplish: A rare veto showdown at the State Capitol Purplish: Why is Douglas County so worked up about home rule? Purplish: Some Colorado cities plan to ignore new housing density laws Purplish: The embattled Labor Peace Act  Purplish is produced by CPR News and the Capitol News Alliance, a collaboration between KUNC News, Colorado Public Radio, Rocky Mountain PBS, and The Colorado Sun, and shared with Rocky Mountain Community Radio and other news organizations across the state. Funding for the Alliance is provided in part by the Corporation for Public Broadcasting.Purplish's producer is Stephanie Wolf. Megan Verlee is CPR News' executive producer of podcasts. Sound design and engineering by Shane Rumsey. The theme music is by Brad Turner.

Join us for an insightful conversation with Amy Moore, the clinic director at the Steven A. Cohen Military Family Clinic at Red Rock. In this episode, Cam and Otis explore Amy's dedication to supporting military families through trauma-informed care and her leadership in clinical programming."Find out who you are and do it on purpose," Amy shares, reflecting on her journey from a military family background to leading a clinic dedicated to veterans and their families. With expertise in cognitive processing therapy and EMDR, Amy discusses the unique challenges faced by service members and the importance of empathy and resilience in behavioral health.Whether you're interested in mental health, leadership, or veteran support, Amy's insights offer valuable lessons on compassion and purposeful living.Amy Moore is the clinic director at the Steven A. Cohen Military Family Clinic at Red Rock in Colorado Springs. She is responsible for overseeing all clinical programming and operations. Amy is a Licensed Professional Counselor. She graduated from The University of Colorado, Colorado Springs with an M.A. in Counseling and Human Services. Amy completed her B.A. in Pastoral Care at Oral Roberts University in Tulsa, OK.Amy has experience providing therapy to people across the life span, from ages 5-75. She specializes in trauma-informed care and is trained in cognitive processing therapy and EMDR. Prior to coming on board with CVN, Amy was the manager of behavioral health case management for Colorado's Medicaid contract. Amy was also previously a Clinical Supervisor for Diversus Behavioral Health at their Child and Family Outpatient Clinic.Amy's father is a retired Air Force member, and she has been fortunate enough to live across the world before her family settled in Colorado Springs, CO. She has lived in the Colorado Springs community for over 20 years and has seen the hardships that veterans, service members, and their families have had to face. She is so grateful and excited to be a part of this incredible mission to serve them. In her free time, Amy enjoys skiing, hiking, cooking, lifting weights at the gy,m and earning massive eye rolls at her terrible “dad jokes”. (Just ask her team!)Her favorite quote is “Find out who you are and do it on purpose” – Dolly Parton#10xyourteam #VeteranSupport #MilitaryFamilies #TraumaInformedCare #BehavioralHealth #MentalHealthLeadership #PurposeDrivenLeadership #ServingThoseWhoServe #ResilientLeaders #ClinicalLeadership #CompassionInActionChapter Times and Titles:Introduction to Amy Moore and Her Mission [00:00 - 08:30]Overview of Amy's background and role at the clinicThe mission of the Steven A. Cohen Military Family ClinicUnderstanding Trauma-Informed Care [08:31 - 22:15]Defining trauma-informed care in clinical settingsThe role of EMDR and cognitive processing therapyLeading a Clinical Team with Empathy [22:16 - 35:40]Overseeing clinical programming and operationsThe importance of team cohesion and supportFinding Identity and Purpose [35:41 - 48:20]Applying Dolly Parton's wisdom to leadershipBalancing professional responsibilities with personal passionsClosing Thoughts and Key Takeaways [48:21 - End]Supporting the mission of the Cohen ClinicFinal leadership insights and how to connect with AmyConnect with Sean Garnerhttps://www.cohenveteransnetwork.org/

Pastor Brian, your Crosswalk host, sits down with Tim Glenn, a well-known Colorado Springs resident since 1993. Tim hosted Good Morning Colorado for KRDO for many years, and then went on to work for Compassion International in the area of media and PR. Their fun, entertaining conversation deals with transition in life from one job to another, as well as Tim's founding of the local band Sofa Killers.See omnystudio.com/listener for privacy information.

Colorado Springs is well-represented at the national March for Life in Washington DC. The Club 21 choir will be singing the national anthem. Students for Life and the Catholic Diocese will march. And Rich Bennett of Life Network will join dozens of national pro-life ministries in DC. Today, hear from Jared Anderson, Julie Bailey, and Rich Bennett - on Crosswalk Colorado Springs!See omnystudio.com/listener for privacy information.

Welcome to Sunday Service  Wish you were here!  Newsong, Colorado Springs (starts at 10:00am)  Subscribe to text updates. Text the words text alert to 94000  Subscribe to emails (bottom of page on newsongcs.com)  Listen to podcasts. Keywords newsong foursquare  Watch services on Youtube. Keyword newsongcs  Follow us on Facebook, Instagram & TikTok keyword newsongcs  3 ways to give to Missions, Disaster Relief, Tithes, or Offerings  1.. newsongcs/com/give  2. Text Giving - text the word EASY to 94000 3. Mail - P.O. Box 75818 • C.S., CO 80970

The Mark Moses Show is joined by Ryan Kauffman of XTRA Sports 1300 in Colorado Springs to preview Broncos-Pats & Seahawks-Rams coming up this Championship Sunday in the NFL. Mark & Ryan also recap the epic Caleb Williams 4th down throw against the Rams and if the Bears are built for the long haul in the NFC moving forward.  Mark broadcasts from The Law Offices of Anidjar & Levine Studios. #NFL #Football #NFLPlayoffs 

The Denver December 2025 market update reveals a shifting landscape for real estate investors. Inventory ended the year at 7,600 active units – up 10% from December 2024 but down sharply from November’s 10,500 units as sellers pulled listings heading into the holidays. The bigger story? Attached properties (condos and townhomes) surged 20% year-over-year while detached homes stayed relatively flat, signaling where market pressure is building. Then the new year arrived and everything accelerated. Chris Lopez hosts Troy Howell from Nova Home Loans and Jeff White from Envision Advisors to cover Denver’s December 2025 market update. The panel covers Denver metro year-end trends, interest rate movements, and what just happened in the first week of the new year. Over 20 small multifamily properties hit the market in just the first 8 days of January – an unusual flood of inventory during the worst season to sell. Troy reveals interest rates dropped nearly a full percentage point year-over-year (from 7.04% in January 2025 to 6.16% in January 2026) with predictions for continued decline, while data shows 6%+ mortgages now outnumber sub-3% loans nationwide, signaling the lock-in effect may finally be breaking. The panel digs into what December’s inventory patterns mean for 2026 buying opportunities, examining why motivated sellers are listing in winter and how this creates negotiation leverage. Jeff conducts live underwriting of a $750K 4-plex near South Broadway that dropped $139K in price, walking through actual spreadsheet analysis comparing house hacking (5% down, 9.39% cash-on-cash return) versus traditional investing (25% down, 5.75% return). Both strategies dramatically outperform the 1-2% market average most investors are seeing, proving cash flow still exists in Denver’s current market conditions. Watch the Youtube Video https://youtu.be/zKNDot-SdjE In This Episode We Cover: December 2025 inventory recap: 7,600 units (up 10% YoY from Dec 2024), why attached properties jumped 20% while detached stayed flat Why 20+ small multifamily listings flooded Denver in January 2026’s first 8 days during the worst selling season Interest rate trends: Down from 7.04% (Jan 2025) to 6.16% (Jan 2026), with VA loans reaching low 5% range How the lock-in effect is ending as 6%+ mortgages now exceed sub-3% mortgages nationwide Live underwriting showing $750K 4-plex delivering 9.39% returns for house hackers vs 5.75% for investors Colorado Springs new construction duplex deal with 100% VA financing and 12-month occupancy flexibility Why properties are selling at 2018-2019 price levels and what this means for long-term investors December’s data confirms inventory is building but hasn’t reached problematic levels – we’re still well below the 15,000-30,000 units seen during the 2008-2012 period. The seasonality cliff from 14,000 summer units down to 7,600 by year-end is normal, but what’s not normal is the January 2026 surge of motivated sellers listing during peak winter. Troy explains how current rates make deals pencil again after years of struggle, while Jeff’s spreadsheet analysis proves the math works for both house hackers and traditional investors. Subscribe to our reactivated deal alert emails and join our February 2026 webinar for deeper small multifamily analysis as we track how this inventory surge plays out through the year. Timestamps 00:00 – Welcome & New Year Market Update Introduction 01:43 – December Inventory Analysis: 7,600 Active Units Up 10% Year Over Year 04:15 – Why Attached Properties Jumped 20% While Detached Stayed Flat 07:15 – The January Flood: 20+ Small Multifamily Listings in 8 Days 12:47– Live Deal Analysis: $750K 4-Plex Near South Broadway (Dropped $139K) 16:23 – House Hacking Numbers: Live in Your Unit for $1,338/Month 19:20 – Investor Analysis: 5.75% Cash-on-Cash vs 1-2% Market Average 25:28 – New Construction Duplex Deal: 100% VA Financing in Colorado Springs 27:19 – VA Loan Occupancy Rule: 12 Months vs 60 Days for Conventional 33:12 – Interest Rate Update: 6.16% Down from 7.04% One Year Ago 35:06– Mortgage Lock-In Effect Ending: 6%+ Loans Now Exceed Sub-3% Mortgages 36:38 – Trump Proposes Ban on Institutional Single-Family Home Buyers Connect with our Guests: Jeff White: jeff@envisionrea.com Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Links in Podcast For the First Time in Years, More Homeowners Have a 6% Mortgage Rate than a 3% One Subscribe to our Reactivated Deal Alert Emails Download the Free House Hacking Spreadsheet Who is Keyrenter? Keyrenter Property Management Denver provides rental solutions for homeowners and real estate investors in the metro area who are interested in transforming their properties into passive income. It offers various services, from property marketing and thorough applicant screening to tenant placement and 24/7 maintenance services. Keyrenter Denver's team of experts can take the clients’ burden of managing their rental off their hands so they can get back to what matters to them. Who is Nova Home Loans? For over 40 years, we've been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO

Beyond the Chutes | First Frontier Circuit Finals SeriesBefore the gate opens and the clock starts, there's a moment when it's just a rider, a horse, and everything you've worked on to that moment.In Episode 1 of our special First Frontier Circuit Finals series, we sit down with Karissa Landis, a barrel racer from Middleburg, Pennsylvania, whose journey to success has been shaped as much by trust and patience as by speed.Recorded on site at the First Frontier Circuit Finals in Harrisburg, Pennsylvania, this conversation goes far beyond the arena dirt. Karissa shares the deeply personal story of Old Man Cash — the horse who carried her through her youth, her grief, and her growth as a competitor.In a meaningful full-circle moment, Karissa purchased Cash from my daughter Kathleen Simcox, who took a soured barrel racing horse out of the arena for nearly two years and made riding fun again. By stepping away from competition, riding with a partner, and allowing a horse to simply be a horse, Cash found his way back — not just as a competitor, but as a true teacher.Karissa opens up about:Growing up in rodeo and starting young in barrel racingLearning hard lessons from difficult horses and tougher seasonsLosing a close friend and finding comfort in the stall, not the spotlightDeveloping the mental game required to compete at the highest levelAnd learning when to stop saying “if I win” and start saying “when I do”The results followed.At the 2026 First Frontier Circuit Finals, Karissa:Won the first roundPlaced in every roundFinished second in the averageAnd earned an invitation to the NFR Open in Colorado Springs this JulyBut this episode isn't about stats on a scoreboard.It's about what happens when riders show up for their horses, honor the process, and refuse to settle for anything less than their best.This is the story that sets the tone for the entire series.

Keith Weinhold breaks down how recent presidential housing policies could influence real estate investors and everyday homebuyers.  Then he walks through four different ways to eventually exit your investment properties—including a little-known strategy most investors have never heard of—so you can start thinking about how you'll one day harvest your gains, potentially with minimal or no taxes, while still preserving your wealth and flexibility. Episode Page: GetRichEducation.com/589 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the presidential administration has made some weighty decisions that could affect the real estate market for years. Then when it's time for you to sell your investment property, there are some smart ways to do it and some big mistakes to avoid. We're talking about four options for your real estate exit strategy, including the little discussed 721 exchange today on get rich education.   Keith Weinhold  0:32   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Russell Gray  1:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE you're inside one of America's longest running and most listened to shows on real estate investing. This is Get Rich Education. I'm your host. Keith Weinhold, if you're working for the weekend, then you had better examine your Monday to Friday and start investing for leverage in income that's generated today. The good news is that down the road, when it comes time for you to sell your investment property, hopefully, after decades of handsome profits, even if that is years away, there are a lot of good options for you, including multiple ones that are tax deferred and effectively tax free. I'll discuss that later today, what we know, and what history has proven, is that savers lose wealth, stock investors maintain wealth, real estate investors build wealth. And I contend that within the discipline of real estate, being the investor is the best job of all of them, because, look, realtors rarely build wealth. Property managers that don't actually own the real estate, they also rarely build wealth. And the people on your maintenance team, they don't build wealth either. Now, as much as we might appreciate all these service professionals, I mean, I sure do this is not meant to disparage them. I'm trying to help you pick the right lane in real estate. Know that you're doing the right thing. Do the right thing before you do things right. By their own admission, the National Association of Realtors, the NAR they will tell you that the median gross income for a realtor is. Do you want to guess? Any guess as to what the median gross income for a realtor is? It is $58,100. that's it.    Keith Weinhold  3:37   And realize that's the figure being reported by the trade organization that represents the industry too licensed sales agents. Median income that's even lower. It is $41,700 also per the NAR I see myself realtors that have been in business 20 years, 30 years, 40 years, and all that time, they have never bought a single investment property for themselves. Instead, a lot of them spend their entire career helping other people get rich while they never get on the treadmill. But do you know what is even crazier to me, crazier than that, it's the number of people that manage properties, including some of my own property managers that I hire, and they don't own any investment real estate themselves. And I think that's crazy, because managers are doing what is one of the toughest jobs in real estate, always having to walk that tightrope, arbitrating between the property owner and the tenant, and as a result, often pleasing nobody. They're sort of like the football referee, the baseball umpire, the property manager they have to deal with The problem tenant. The manager has to bug the tenant to collect the late rent, and then your maintenance people. You know, I just met up with a contractor that's putting new flooring in one of my rentals. He's got a sense of humor, and he wore this great t shirt that says, I'm here because you broke it. I love that. But now his compensation isn't too shabby, but he's trading his time for dollars, and the income stops when his work stops. The lesson is, be the asset owner.    Keith Weinhold  5:35   Now this presidential administration has shaken up a lot of policies, good or bad we've got a bunch of new directives centered on the housing market. And really, this shouldn't come as any sort of surprise, since be mindful, the current White House occupant is a long time New York City Real Estate Investor, some of the more recent weighty moves that can affect you are banning institutional investors from buying single family homes that they turn into rentals, and the other one is a $200 billion bond purchase program aimed at reducing mortgage rates. Okay, whether those two things happen or not, it's good to look at their effect, how they move a real estate market, because when you understand the effects, then you learn a lesson, even if you're listening to this episode 10 years from now, the move to ban institutional investors. We're talking about conglomerate groups like Blackstone and invitation homes. The move to ban them from buying single family rentals is to try to reduce the demand and therefore, hopefully lower the price of single family homes in order to help affordability. Okay, that could work in concept. But here's the other thing that it does, there would be fewer rentals available on the market, because most institutional investors do buy those build to rent properties, that's what they're looking to acquire. So it's sort of what most any real estate investor would want. They would get higher rents and maybe some somewhat lower purchase prices, or at least a lower appreciation rate. But this whole move to ban institutional investors, that is mostly a nothing burger, that's all we're talking about here. And here's why you cannot undo the institutional purchases that were already made, and a lot of those got made, a lot of them during the pandemic. So it would only be banning new purchases. And another important point to consider here is how small this market is. I think these institutional buyers make a whole lot of outsized noise and often get pointed to as the boogeyman for running up prices of real estate. But that's not true. Only about two to 3% of single family rentals are owned by these giant investors, at least the ones that have over 1000 units. Okay, so this all sounds good as a political platitude. You trying to do something about it? I sort of understand that, but this ban, it just would not move the market very much at all now, perhaps a slight move could be triggered in cities that do have a lot of institutional ownership, like Atlanta, Jacksonville, Charlotte, but really little effect. The second directive from the President is having Fannie Mae and Freddie Mac buy $200 billion worth of mortgage bonds. This is really an effort to drive down mortgage rates and bring down monthly payments and make the cost of home ownership more affordable. The translation here for you is that whenever you inject money into something, money tends to flow more freely and rates get lower, kind of lowering the dam wall height, like I have given to you in other examples, when you buy bonds that demand pushes up bond prices, which lowers bond yields. And mortgage rates are tied to those lowered bond yields. And as soon as this was announced, like the very next day, mortgage rates fell into the high fives, yes, under 6% for the first time in three years. But the last thing effect of this that's been studied, and it's been shown to reduce mortgage rates by about three tenths of 1% so not nothing, but sort of small. However, if they're buying down rates like this one time, well then they might do it multiple times. So there you go. There are two recent directives from the president banning institutional investors from buying single family homes and buying mortgage bonds to lower mortgage rates.    Keith Weinhold  10:00   Either one of them with seismic effects. It's sort of like the 50 year mortgage proposal that the administration made a while ago, and that's probably not going to become a reality anytime soon, if ever. Here's a question that I have for you, and I'll let you answer. Do you like free markets, or would you rather have big government? Well, each of these directives are more government intervention into the free market, whether you like that or not. Another way to say it is that stuff like this makes a lot of splashy headlines, but it's not a bigger deal than a Philadelphia Eagles football game,at least. You know how these forces can move markets now    Keith Weinhold  10:46   straight ahead, it's the concise, definitive audio guide to selling your investment property. I'm going to detail four different ways that you can do it in this guide, including tax deferred and effectively, tax free methods. When you're able to defer taxes over and over again throughout your entire life, they effectively become tax free. You never have any tax obligation. Also, I will discuss one way of selling your property that you're probably not familiar with and you might have never heard about before in your life. I'm Keith Weinhold. You're listening to Episode 589 of get rich education.    Keith Weinhold  11:27   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 or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again. 1-937-795-8989,   Keith Weinhold  12:39   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Russell Gray  13:12   Hi. This is Russell Gray, Main Street capitalist. You're listening to the get rich education show with Keith weinholden. Remember, don't quit your Daydream.    Keith Weinhold  13:20   You welcome back to get rich Education. I'm your host, Keith Weinhold, and I'm coming to you from Colorado Springs today, where I'm attending the real estate guys create your future goals retreat event, yeah, a goals event allows one to get introspective. One part of it is learning how I can serve you better on this show. Every week, since I do pour a lot of thought into what I share with you here. How much yeah, just, how much did this event mean to me? Well, my team is in the NFL playoffs, and I was willing to miss some playoff football for this.   Speaker 1  14:07    That's inexcusable, inexcusable. Playoffs. Don't talk about playoffs. You kidding me? Playoffs? I just hope we can win a game.   Keith Weinhold  14:19   Yeah, yeah. That is, that is, of course, the classic rant from a former NFL coach, Jim Mora. Maybe Jim needs to attend the goals retreat to put things into perspective here. now, whether it's just a few years from now or it's decades into your future, at some point we're all going to exit the real estate investing game, even if that's not until the day we die. I'll talk about that with whatever endeavor you're in. It is good to begin with. The end In mind. there's a good chance that you're either in real estate acquisition mode now, or you once were. Or where you're going to be in that real estate acquisition mode in the future, but after this accumulation phase of your life, hopefully, which you've turned into financial freedom through real estate, after that, you're going to be in the mode where, since you've already made it, you're going to want to just maintain the portfolio that you have or stop acquiring or you will want to sell eventually. The good news is that there are a lot of good options for selling your property and doing it, tax deferred and effectively tax free. Now I will not talk about selling your primary residence so much, though, this is focused on exiting from your investment property, primary residence sales rules with the IRS is that your first 250k of gain is exempt from capital gains tax if you're single, and your first 500k is shielded from tax if you're married. Quite a marriage incentive there.    Keith Weinhold  15:59   But as we focus on investment properties. This is influenced by a question from one of our older GRE listeners, 62 year old, Mark, who wrote in last year, was such a good question and I answered his question on air last month. I'll basically expand on that answer today. Mark said he has listened to every GRE episode ever, and therefore, congratulations, he made it. He reached financial freedom, and he's got a sizable portfolio. Some of his properties are paid off. Others are leveraged. But see, Mark is hesitant to buy more property because he's already made it his wife doesn't want more properties because she associates it with him having to do more work. Now, when you're still in pursuit of financial freedom, well, you don't mind investing a small slice of your time each month into real estate, a little light management, remotely, maybe, but once your residual income exceeds all of your expenses, well, then at that point, your time is going to start to become more valuable. So let's look at four here, four solid options for exiting your property, and then I'm going to examine the pros and cons of each one. The first of four is simply to sell real estate in the conventional way, just a plain sale to a buyer, where you see that it gets fixed up and you list it and you sell it outright. Well, the pros of this are is that it gets you to your exit, and it also turns your equity into cash. The cons, the downside of doing it this way is that you're going to give up your ongoing stream of income. Your Cash Flow is going to be gone. You might have to remove tenants, depending on your scenario. You have to fix up and stage the home to prepare it for the market. That could be as little as 5k or as much as 50k or more, depending on the size of your real estate, you're going to have to pay a real estate agent a commission of 3% or more and pay capital gains tax of 15% or more. That's one five. And you'll also have to pay depreciation recapture, and of course, you don't have to pay 15% of the total asset value. It's just 15% of the value gain during the time that you held this property, right? So the tax and fix up cost can eat into your profit with this first of four ways to sell your property, although you are still probably in for a pretty nice windfall upon the sale if you've held it for a while. All right, so the first way is a plain sail, and a lot of people would agree that is not the best way to do it. Okay, it gets far better from here. The second sale option that you have is something that a lot of real estate investors like us are familiar with, or have at least heard of, and the general public has not, and that is the 1031 exchange. You'll also hear it be called the 1031 tax deferred Exchange, or the 1031 like kind exchange, because you trade your property up for another property that's kind of like it. It is a hugely powerful wealth building and wealth preservation tool, okay, section 1031, of the IRS tax code that allows an investor to exit a property without incurring any capital gains taxes. That also does not trigger depreciation recapture when you sell your property, but in order for you to get those tax deferred benefits. Importantly, you have to roll your game into another piece of real estate. Now there are a lot of rules and nuances around 1031 ones. I have done multiple 1030 ones in my life, and they are so worth doing and amplifying your wealth, building power I will not cover all the rules and nuances those things like the three properties rule and the 200% rule, and that rule about how you need to identify your replacement property within 45 days and close on it within 180 days, and all of that. Because what I've done is I've completely broken that down on the show with you here previously, and as always, I explained it in the most clear, incoherent way that I could for you. I best did that on episode 143 of get rich education. The name of that episode is your 1031 exchange guide, tax deferral for life. Now, there do get to be some numbers flying around here, so you want to listen closely, you might find yourself skipping back for simple example purposes, in a 1031assume that you bought a $200,000 duplex 20 years ago, and it's now worth 500k you depreciated the value of the duplex every year, as is actually required by the IRS, assuming you took a total of 100k of depreciation over the life of your ownership of it, and you did not make any improvements to it. The basis of your property is then 100k because it's your 200k purchase price, minus 100k in total depreciation write offs. When you sell the property for 500k you now have a gain of 500k minus 100k which is 400k depreciation, recapture and capital gains are not taxed at the same rate, and it depends on some things, but let's assume that your blended tax rate is 20% that means you would owe 20% on your 400k so that would be 80k in taxes if you just did the plain sale. But not many people want to stroke a check to the IRS for 80k so instead, if you take your 400k of gain and roll it into a new property, or properties, you can defer your obligation to pay this 80k. Yes, you do not owe the IRS a thing. Now this is beautiful. You get that tax break virtually nowhere else in the investing world, okay, so what you've now done is that you have exited the property a duplex, in this case, via 1031 exchange, and you've traded it up for another property. So you're still a real estate investor. You have not exited being one of those, but you sold the duplex and replaced it with another property, or properties, all right, that was the second of four sale options, the 1031, exchange, and, yeah, as you can see, there do get to be some numbers flying around, some deep dive learning for you here. And that's why I lightened it up with the Jim Mora clip before we dove in.   Keith Weinhold  22:54   The third way is called refi for life. Now we could almost put an asterisk on this third way, because with a refi for life, it's not a sale of the property at all. What it is is it's really a way for you to sell your equity to a bank yet still retain the property. Therefore, you access capital without triggering any taxes. You get a nice, big windfall payout while you still hold the asset, and it keeps paying you up to five ways at the same time. Yeah, you will also hear this refi for life strategy referred to as other things. Refi till you die, is one way to put it, as equity accumulates, say, every five or 10 years, you just do another cash out refi, enjoy the tax free windfall and keep holding on to the asset that is the same thing. Other names for this repeated series of cash out refis throughout your life that you might hear, which I'm calling refi for life. Those other names are live on leverage, the equity to income strategy, the infinite hold, the generational hold strategy, hold until step up, or you might hear, buy, borrow, never sell. They all mean the same thing. I'm calling it refi for life. Let me give you a simple refi for life. Example, using conservative assumptions, say that today you put a total of 200k down to control $1 million worth of rental property. Your initial loan balance is 800k we'll just say your cash flow is zero. Your property is appreciated 6% per year. After 10 years, your million dollars of property, growing at 6% annually, is worth almost $1.8 million if you refinance a 75% loan to value your new loan, amount is 1.3 5 million you pay off the original 800k loan, that leaves you with raw. 550k of cash out refinance proceeds. Congratulations, you got a windfall, and your 550k is tax, free loan money to you not income, because the IRS says debt is not income, therefore it's not taxed. Yes, and you heard that right. You can do whatever you want with those funds. What you've now done is you pulled out more than two and a half times your original 200k investment. And yes, while you still own the property, you continue to hold this appreciating asset. Tenants keep paying down your debt over time, and inflation keeps working in your favor, all right, and remember, that's only what you did at the 10 year mark. You are not done. It just keeps getting better. Fast forward five more years to the 15 year mark, at 6% appreciation continuing your original Million Dollar Portfolio is now worth about $2.4 million at 75% loan to value that property supports total debt of roughly $1.8 million at this point, your existing loan balance from the prior refinance, it's still that 1.3 5 million so you pay it off with a new loan. This allows you to extract an additional 450k of tax free cash. So add it up. This means at the 10 year mark, you got 550k and then here, at the 15 year mark, you got another 450k across your two refinances combined, you have now pull out a cool million dollars in tax free loan proceeds. That's nearly $1 million of liquid, usable capital from an original 200k investment that you made 15 years ago, without you ever selling the property. You still own. What's worth now $2.4 million worth of property, you've got the million liquid and you still have not triggered any tax at all. So at this stage, you can just live off your million dollars of refinance proceeds, or you can choose to reinvest it into new assets. Or you can selectively pay down your debt to increase your cash flow, or you can simply hold and let inflation continue shrinking the real value of your loans, and let inflation continue to make your properties go up in price, then down the road when you eventually die, your heirs receive a step up in basis largely eliminating capital gains tax. That is just amazing. That is refi for life in plain English. So that is the third of four exit strategies that I'm sharing with you here today. And understand there are a few caveats here. I only went to the 15 year mark, you can keep doing it every five years. Beyond that, it just keeps getting better as leverage compounds the value of what you own. Now I kept it simple for learning purposes in an audio format with you here, you're probably going to have even more equity than those numbers I gave you because I didn't even include the principal pay down that your tenants make for you.    Keith Weinhold  28:26   And let's discuss a few more pros and cons of this refi for life plan. The pros are that you've borrowed, and you've done that with perhaps a home equity line of credit, home equity loan or a second mortgage, you borrowed against the property in perpetuity and get tax free cash. Interest paid on the amount borrowed is tax deductible too. If you don't have enough tax advantages, there's also that you've got zero property sale, transaction friction or risk, you pass along the value of your home or portfolio to heirs on a stepped up basis. What that means, in essence, is when you pass away your depreciation recapture and your capital gains are wiped out, that's what a stepped up basis means. Okay, those were the pros, the cons, the downsides of doing this, and there aren't very many, but it's that it does not get you out of property ownership while you're still alive. If that's what you're looking for, your property cash flow gets reduced when you do a refi because you have a new debt service obligation. However, you've also got incremental rent increases throughout time that could offset that. And the other thing is, think about your heirs. Sometimes heirs find it challenging to divide homes among themselves, so your heirs need to be pretty well educated on related real estate and tax principles. So those are the cons of refi for Life. We're talking about four distinct access strategies for your investment real estate today on get rich education podcast episode 589 I'm your host, Keith Weinhold    Keith Weinhold  30:09   and the fourth way, the least understood and least utilized way, is known as the 721 exchange. And I want to thank a different GRE listener named Nate in California in his acquire to retire blog. It's worth checking out. I want to thank Nate for his contribution here. Nate heard the GRE episode last year about 62 year old. Listener Mark's desire to sell, and that's what got Nate to write in about the 721 exchange, yes, just like the 1031 exchange is named for that particular section of the IRS tax code, it's just the same with the 721 and of all four methods we're discussing today, it's the only one of the four that I have not done myself. So I have studied it how the 721 exchange works is that say you have a case where you're a rental property owner and you realize that you just don't want the hassles of landlording, but you like the financial benefit that the ownership gives you. What you can do is sell your home to a partnership and receive shares in that partnership. The 721 exchange rules stipulate that this is not a taxable event, and therefore no capital gains tax or depreciation recapture are due. Now that you're an owner in the partnership, you still get the benefits of owning the property, like appreciation and cash flow and such, and you get these benefits across a greater number of properties in markets diversification, because you are a fractional owner in the other properties that are in the partnership, not only your own. And when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs. And see it is surely easier to divide shares among, say, four children than it is to divide your 31 rental houses among four children, because your four children are all going to have different goals and varying degrees of financial savvy. So the 721 exchange really is a great estate planning tool as well. So you will have this partnership that makes an offer to buy your property. Section 721, of the IRS Code allows a property owner to contribute real estate to a partnership in exchange for partnership units. And of course, you are going to need to learn how to vet the partnership. Now let's look at some of the pros and cons of this. The upside the pros are that it gets you out of being a direct property owner, if that's just something down the road that you don't want to do anymore. No more repair requests or HOAs, property tax bills, insurance bills, vacancies or property improvements. And of course, the hedge against that, I favor using a property manager to take care of that for me, but that is a different topic. But in any case, you also defer paying capital gains tax and depreciation recapture by rolling your equity into a qualified real estate fund. Some more upsides of the 721 are that you get shares in the real estate fund that offers you continued cash flow and possible appreciation. There's often no need for you to pay to fix up or stage the property for sale, no agent commissions to pay. You diversify your risk across multiple markets and properties you get to contribute to, and you sort of become part of a like minded community of real estate investors, and you peripherally stay attached to your real estate, even though you're no longer the direct owner of it. Now, of course, being a direct owner of real estate is where you get both the profits and the control, but again, after a decade, or even 50 Years of direct ownership, you're just choosing to be done with that phase. So the 721 is a permanent solution. There's no sort of next decision, stress or risk. It is done. It is solved. But like I said, the shares are easy to divide among heirs compared to a portfolio of homes. All right, how about the cons the negative of a 721 exchange? Well, you're going to forfeit the ability to borrow against your asset, the refi for life plan that I talked about in the third way you can sell your property. Also you're going to have to pay some onboarding fees or some management fees to the partnership, and you're going to lose future 1031 exchange availability. And that is it. That is the 721 exchange. Again, I want to thank GRE listener, Nate from California, for reaching out to the show, and he's got a great blog. That's what got me to study the 721 exchange some more. This can happen with an up rate. You've probably heard of a REIT before, really.   Keith Weinhold  35:00   Estate Investment Trust and upreet, up r, e, i, t, that is in umbrella partnership. REIT, as investors, we acquire and hold real estate for the long term because it provides those real estate pays five ways, benefits of appreciation, cash flow, ROA, tax benefits and inflation profiting. But as you begin with the end in mind, it's going to be aware of your options so that you can optimize that inevitable exit of yours down the row. To summarize what you've learned so far on this segment of the show is that there are four viable exit strategies for real estate investors, the straight sale, the 1031, tax deferred exchange, refi for life, which isn't a sale at all. It's a series of cash out refis, and finally, the 721 exchange, where you sell to a partnership, all with their various pros and cons. So some really good options for you. You can look up Ridge lending group, if you want to do a cash out refi on your investment property, they're very well versed in how to do those things. That was the third strategy, the refi for life. What do I personally recommend that you do? Well, I don't know your situation, but I can just tell you what I do myself, and that is generally, if I like a property, I keep doing the refi for life thing, continued cash out refinances, and I just keep holding onto the property and enjoying that tax free cash. That's if I like a property. If I don't like a property, I will be more likely to 1031 exchange it up into something larger, and when I'm older and done being a direct real estate investor, that's time. I'll probably take a close look at a 721, exchange and see if it's right for me at that time. How can you learn more about these four exit strategies and what professional parties might you want to use to help facilitate it? Well, it is the same place that you get free coaching from us, and it's also the same place where you find just the right next investment property so that you're going to have something to sell in future decades. That is it gre investmentcoach.com that's free consultation with our coaches at greinvestmentcoach.com   Keith Weinhold  37:19   I'm Keith Weinhold, thanks for being here, but you weren't here for me. You were here for you. Don't quit your Daydream.   Speaker 1  37:29   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  37:57   The preceding program was brought to you by your home for wealth building, get richeducation.com you.  

Send us a textBurnout isn't a sign you're failing - it's a sign that something in your business is either misaligned or mismanaged. In this episode, I'm joined by Brittany Rogars, a coach and consultant, to break down why burnout is often feedback, not a red flag, and how to figure out what the problem really is, before you try to fix it.We talk about how burnout shows up in the body, why the loss of joy is often the first clue, and how so many women end up burned out not because they can't handle business, but because they've been carrying too much without the right support, systems, or boundaries.We also discuss:How to tell if burnout is coming from misalignment or mismanagementWhat to change when your business no longer fits your values or season of lifeSimple systems, SOPs, and delegation that immediately reduce mental loadThe 24-hour “process day” Brittany recommends when you're already at the edgeIf your business feels heavier than it used to, this conversation will help you identify the smallest shifts that can create the most relief - without burning everything down, starting over, or pushing harder.Links & References:If you're serious about growing your business in 2025, check out the new Powerful Women Rising Connection Network!Episode 77:  How to Set Boundaries Without Feeling Like a BitchLearn more about Brittany:  https://brittanyrogars.com/homeConnect with Brittany on Instagram or LinkedInSupport the showConnect with Your Host!Melissa Snow is a Business Relationship Strategist dedicated to empowering women in entrepreneurship. She founded the Powerful Women Rising Community, which provides female business owners with essential support and resources for business growth. Melissa's other mission is to revolutionize networking, promoting authenticity and genuine connections over sleazy sales tactics. She runs an incredible monthly Virtual Speed Networking Event which you can attend once at no cost using the code FIRSTTIME She lives in Colorado Springs with two dogs, her soul cat Giorgio and any number of foster kittens. She loves iced coffee, Taylor Swift, and Threads.

Southgate Campus 

In this powerful and honest message, Pastor Aaron Pennington, Lead Pastor of Trace Church in Colorado Springs, addresses one of the most pervasive and destructive struggles facing Christians today. Pornography and sexual sin are not just private battles. They are poisons that weaken the soul, damage relationships, and pull us away from the transformed life Jesus offers.As part of the Uprooted sermon series, Pastor Aaron calls us to stop managing sin and start uprooting it. With truth, grace, Scripture, and practical wisdom, this sermon confronts shame, exposes lies, and points toward real freedom found in Christ.This message is for anyone who feels stuck in cycles of temptation, guilt, secrecy, or spiritual numbness. Whether you are struggling personally or seeking clarity on how faith speaks into modern challenges, this teaching offers hope, conviction, and a clear path forward.Key themes in this sermon:• Why pornography promises pleasure but produces slavery• The spiritual and neurological impact of sexual sin• Why silence allows strongholds to grow• How Jesus offers freedom, healing, and renewal• What it means to uproot sin instead of excusing itAt Trace Church, we believe in truth and grace together. No condemnation, but no compromise. Freedom is possible, and transformation is available through Jesus.Join us in Colorado Springs or watch online as we continue the Uprooted series and ask the honest question:What needs to be uprooted from your life so you can live fully free in Christ?Service Times at Trace Church:8:15a | 10:00a | 11:45a | 5:00p4330 Mark Dabling Blvd, Colorado Springs, COSubscribe for more sermons, sermon clips, and teaching from Pastor Aaron Pennington and Trace Church.

Kelly and Mark discuss this unforgettable episode. We Hope you enjoy it! “Dr. Mike, Sully and Brian are drawn into the middle of Colorado Springs’ racial problems when Grace and Robert E try to enroll their son, Anthony, in the all white school. After Jake is forced to keep his campaign promise and make Robert E a member of the town council, Robert E sets up a school for the black children in shanty town. Since no white teacher will teach the children, however, the job falls to Grace. When it becomes apparent that Anthony needs much more advanced schooling than the black school can provide, Grace, Robert E and Brian try to get him into the white school. Meanwhile, Jake and Hank open their own hotel to rival Preston’s new one, and the battle for business escalates.” Separate But Equal originally aired on December 7, 1996 Now there’s a place to buy Dr QuinnCast Merchandise! https://www.etsy.com/shop/ForYourLittleHouse The post Separate But Equal first appeared on Dr.QuinnCast Podcast.

The Mark Moses Show is joined by Ryan Kauffman of XTRA Sports 1300 in Colorado Springs to preview Broncos-Bills, Texans-Pats, 49ers-Seahawks & Rams-Bears coming up this weekend in the NFL Divisional Round.  Mark broadcasts from The Law Offices of Anidjar & Levine Studios. #NFL #Football #NFLPlayoffs 

All right Fam, get ready for our first-ever episode covering the icon himself: Joe Kenda. We're in Colorado Springs, on June 5, 1988. The brutalized body of 24-year-old Mary Lynn Vialpando has been discovered in a back alley. There are almost no clues to who killed her. But Joe Kenda is on the case. When Mary Lynn's husband frantically appears at the crime scene, he becomes suspect number one. But in the first case in Colorado's history to use DNA technology to solve this crime, it would take years for the killer to be caught and for Mary Lynn to receive some measure of justice.Find and watch "Homicide Hunter: The Man with No Face" on Discovery+WE'RE ON YOUTUBE - Want to view the episodes and not just listen?  Check our new video feed to see full video episodes starting today. CLICK HERE TO WATCH AND SUBSCRIBE!LOOKING FOR MORE TCO? On our Patreon feed, you'll find over 400 FULL AD-FREE BONUS episodes to BINGE RIGHT NOW, including our episode-by-episode coverage of popular documentary series like Love Has Won: The Cult of Mother God, LulaRich, and The Curious Case of Natalia Grace; classics like The Jinx, Making A Murderer, and The Staircase; and well-known cases like The Menendez Murders, Casey Anthony: American Murder Mystery, and The Disappearance of Madeleine McCann, and so many more!Episode Sponsors: Earnin - Get access to your pay as you work. Download the Earnin app in the Google Play or Apple app store. ZipRecruiter - See why ZipRecruiter is the hiring site employers prefer most. Try it FOR FREE at www.ZipRecruiter.com/TCO Shopify - In 2026, stop waiting and start selling! Sign up for your one-dollar-per-month trial period at www.shopify.com/obsessed Helix - Upgrade your sleep! Go to www.helixsleep.com/tco for 20% Off Sitewide!! Ritual - Ritual's Essential for Women 18+ is a multivitamin you can actually trust. For a limited time, get 40% off your first month at www.Ritual.com/TCO Join the TCO Community! Follow True Crime Obsessed on Instagram and TikTok, and join us on Facebook at the True Crime Obsessed Podcast Discussion Group!  AND INTRODUCING THE NEW TCO DISCORD CHANNEL AS WELL!!!

It's a common New Year's resolution to start exercising, but after a few weeks, it's easy to lose motivation and fall back into old habits. A fitness expert has ideas on how to get active at any age. Plus, we share another "Portrait in Aging" featuring people in the state's fastest growing population: those 65 and older. Today, the story of 71-year-old Lucy Guo of Denver. Also, the challenge of storage for Colorado law enforcement as evidence goes digital. Then, our discussion continues about how Evangelical Christianity has shaped Colorado Springs and beyond with historian William Schultz, author of "Jesus Springs." And Colorado Wonders, who comes up with the clever messages on E-470's smart signs?

Colorado’s real estate market just hit balanced status for the first time since 2012. The best Colorado real estate investing strategies in 2026 now require adapting to what Chris Lopez calls “the great stall” for single-family homes. Condo prices are forecast to drop another 4-10%. Multifamily has already crashed 15-30% from peak values. Meanwhile, builders are offering closing incentives reaching 7-13% on new construction. Private lenders are generating 10-20% annual returns. This matters because traditional rental cash flow now requires creative approaches. This is a replay of Property Llama’s flagship Portfolio Analysis Mastermind webinar. It was originally presented live to over 200 registered investors. Chris brings 20 years of Colorado investing experience as CEO of Property Llama and founder of Envision Advisors. His company has helped hundreds of investors acquire Front Range rental properties. This 100-minute workshop analyzes data from three major sources: the Denver Metro Association of Realtors, CoStar’s commercial multifamily reports, and the Colorado State Demography Office. The goal is to forecast where the Colorado market is heading and what investors should do about it. Chris reveals why 15,000 homes represents the balanced market threshold for Denver metro. He shows how all Front Range markets follow nearly identical patterns. Denver, Colorado Springs, Pueblo, and Northern Colorado all move together with 1-3 year lag times. He introduces the Cash Flow on Equity (CFE) framework. CFE shows how a paid-off property making $1,700 annually on $200,000 equity represents just a 0.8% return. That underperforms basic savings accounts. Chris doesn’t hide from uncomfortable realities. He explicitly states that Colorado’s “epic growth wave from 2010-2020 is over and will never return.” The drivers are clear: slowing population growth (down to 1% annually), rising inventory, elevated interest rates, and increased expenses. Watch the Youtube Video https://youtu.be/zbVhMrdS2Rs In This Episode We Cover: Why Chris classifies Colorado as a “yellow light” market – not amazing, not horrible, but requiring selective strategy The six strategies currently generating 7-16% cash flow in Colorado: new construction opportunities, room-by-room conversions, medium-term rentals, house hacking, private lending, and multifamily acquisitions How builder closing incentives work and why they’re offering 4.5% interest rates on new construction when market rates sit at 6.5% Why multifamily is experiencing negative rent growth through 2026 as peak vacancy hits Q4 2025/Q1 2026 from oversupply The three options for optimizing high-equity, low-cash-flow properties: keep and convert to better strategies, cash-out refinance to reinvest, or sell and unlock equity into higher-performing assets Chris’s personal portfolio strategy: shifting from 85% equity / 15% debt to a 50/50 balance over the next 3-5 years to maximize cash flow while preserving capital How private lending offers 10-20% returns with senior debt positions while fix-and-flip gross margins remain healthy at 24% despite market softening Live Q&A covering: ADU construction economics, when to sell multifamily, private lending risk assessment, wrap financing for house hackers, LTV targets for portfolio leverage Whether you’re analyzing your first fourplex or optimizing a 20-property portfolio, this market transition requires new thinking. You need to understand which Colorado real estate investing strategies in 2026 actually generate cash flow. Appreciation has stalled, so the old playbook doesn’t work. Chris provides the data-driven framework investors need to evaluate current holdings. You’ll learn how to identify underperforming assets through CFE analysis. You’ll determine whether to convert properties to higher-performing strategies, refinance and reinvest, or sell and redeploy equity. Timestamps 00:00 – Welcome & PAM Overview 03:22 – Chris Lopez Introduction & Background 05:53 – Colorado Market Trends Framework 07:50– Denver Metro Inventory Analysis 10:30 – Price Appreciation Charts 2007-2025 13:22 – Front Range Market Comparison 16:34 Crystal Ball: Market Predictions 18:06 – New Construction Builder Incentives 22:20 Multifamily Market Deep Dive 42:14 – Population Growth Reality Check 46:28 – Six Strategies That Cash Flow 50:52– Cash Flow on Equity Framework 52:47– Property Llama Software Demo 52:47– Property Llama Software Demo 57:15 – Three Options for High-Equity Properties 1:14:07– Chris’s Personal Portfolio Update 1:21:13– Q&A Session Links in Podcast 2026 PAM Resource Page Property Llama Chris Lopez's 2026 Investing Plan YouTube video Detailed blog article Mountain Trends A BiggerPockets Guide to Co-Living Cash Flow Should I Put My Property In An LLC? Podcast and blog

In this episode of the Real Estate Pros podcast, host Michelle Kesil speaks with Lauren Collier, a real estate expert from Colorado Springs. Lauren shares her journey into real estate, the keys to her business growth, and how she navigates market challenges. She discusses her focus on helping sellers prepare their homes for sale, her experience working with investors, and her future goals for her business. The conversation highlights the importance of community involvement, continuous education, and adapting to market changes.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Coming to us from Colorado Springs, CO he is very current on the situation as it is unfolding in Colorado.

This is a year to stop underestimating what God can do through you, in you and for you! Welcome to Sunday Service  Wish you were here!  Newsong, Colorado Springs (starts at 10:00am)  Subscribe to text updates. Text the words text alert to 94000  Subscribe to emails (bottom of page on newsongcs.com)  Listen to podcasts. Keywords newsong foursquare  Watch services on Youtube. Keyword newsongcs  Follow us on Facebook, Instagram & TikTok keyword newsongcs  3 ways to give to Missions, Disaster Relief, Tithes, or Offerings  1.. newsongcs/com/give  2. Text Giving - text the word EASY to 94000 3. Mail - P.O. Box 75818 • C.S., CO 80970

Keith explores two big themes shaping real estate investors' futures: Why more Americans are becoming "forever renters"—and how long-term lifestyle and demographic shifts (not just today's prices and rates) are quietly reshaping the demand for rentals. The growing conversation around eliminating property taxes—which states are making the most noise, and why the real issue isn't whether property taxes go away, but what would realistically replace them. Keith also zooms out for a quick year-end tour of major asset classes—from stocks and real estate to metals and crypto—so listeners can see where real estate fits in the broader investing landscape and what these shifts might mean for their wealth-building strategy. Episode Page: GetRichEducation.com/588 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, the Forever renter trend keeps getting embedded deeper into American culture. What's behind it? It's more than just finances. Then there's been more talk about eliminating property taxes, if they go away, what replaces them? And we'll discuss more today on get rich education.   Keith Weinhold  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from Jamestown, New York to Jamestown, North Dakota and across 108 nations worldwide. I'm Keith Weinhold, and this is get rich education. Most investments reduce your income until you can start drawing on it and paying taxes on it in your 60s. That's a lot of decades of living below your means. Here learn how to grow your means and invest in vehicles that pay you when you're young enough to enjoy it and pay you five ways tax advantaged. Hey, there's a big misunderstanding about the housing market taking place right now. Yes, today's higher cost of home ownership contributes to Americans renting longer, for sure, but let's not make the mistake of thinking this is a new phenomenon just because home prices moved higher or mortgage rates began normalizing again a few years ago, that's not what it's about Americans renting longer. That is a trend decades in the making, and it has had and will continue to have major implications on the rental housing market decades into the future, buying your first home at 25 that was your grandparents or maybe your parents. Today, it kind of goes like this in life's journey for the wannabe homeowner, First comes the gray hair, then comes the mortgage. Last year, we learned that the average first time homebuyer age in America has moved up to 40. Back in 1981 it was age 29 per the NAR. More specifically one's real estate journey, it basically now goes like this, rent, rent, rent, have roommates again, go back to renting, chiropractor, Bank of mom and dad, then a mortgage maybe.   Keith Weinhold  3:34   Yeah, the home ownership rate, it keeps falling among every age group, most sharply among 30 somethings. The translation here is that more renters are coming. For those in their 30s, the home ownership rate maxed out at 69% in 1980 it's fallen to just 47% today. Those that are older, for those in their 40s, the homeownership rate maxed out at 78% in 1982 it has fallen to just 62% today and so on. Every 10 year age group all the way to those age 80 plus, the homeownership rate has fallen for all of them over the decades too, every single age cohort. The home ownership rate has fallen over the decades, and that is all per the Census Bureau. I'll tell you why this forever renter trend just keeps strengthening in a moment. But if you don't own your home, here are your current housing options. You can live with your parents. Yes, welcome back childhood bedroom with those glow in the dark stars on the ceiling. Sadly, you can be homeless. That is really not good. Or the other option is you can rent something nice, new, modern, and energy eficient. The group in which home ownership has fallen the most are those 30 somethings. 20 somethings aren't even part of what the Census Bureau reported here. It fell most sharply in the 1980s and then again, after the great recession. And here's what I know you might be thinking because we have some of the smartest listeners around. I bet that during times that buying was cheaper than renting, the trend reversed. That's what you might be thinking. No, it didn't. Regardless of what is cheaper, over time, the home ownership rate just keeps falling despite those periods, whatever is cheaper renting or owning now the overall home ownership rate that's fallen just since 2023 from 66% down to 65% that might not sound like much, but a Full 1% drop there means 1.3 million new renters already, just since 2023 and now you might be thinking, well, this is like totally because home prices and mortgage rates have been higher since that time. They've been higher since 2023 you are, in fact, somewhat correct about the affordability on a median priced home today, which is around 420k, I mean a 10% down payment and closing costs, that means you're out of pocket, probably more than 50k and it's 100k plus for a 20% down payment. And this is often an insurmountable hurdle without financial help from the Bank of mom and dad. But this is all part of a longer, multi decade set of trends. And look, a lot of these trends don't have much of anything to do with finances. People are renting longer because Americans wait longer to marry and have kids, and this has persisted, whether economic cycles are good or bad, and certainly, regardless of what mortgage rate levels are, younger generations value flexibility. That's another reason people are renting longer. Also 30 somethings are just simply more comfortable with subscription models like renting. I mean, look at Netflix and Uber and Spotify. It's been decades since anyone actually bought DVDs or CDs. Yeah, renting is just sort of another subscription model. More. Boomers are also renting for convenience. They would rather play pickleball instead of mow a lawn. This is something that they figured out a while ago. Also higher consumer and educational debt keeps people renting. You've got buy now, pay later. Companies like Klarna that are booming and mortgage eligibility got sucked from souls when all this happened? Hey, I've got more a ton of reasons for why more and more people are renters today, and how this trend is your friend if you are a rental property investor.    Keith Weinhold  8:13   Also, let's be mindful when we broke the gold standard in 1971 asset prices took off like a Blue Origin launch, and wages stagnated. That makes it tough to patch together a down payment and look, there is still an antiquated notion out there that apartments especially are like replete with paper thin walls and one in every five units is a meth lab. Have you toured apartment buildings, fourplexes, duplexes and single family rentals built in the last 10 years? Sheesh. Great amenities. Expect to see granite countertops, patios, fenced yards, gyms, sometimes even pet spas at Class A apartments, washer, dryer in unit. I mean, that has been standard for a long time, LED lighting, smart locks, increasingly office nooks for remote workers. Those are the modern amenities that you find in a rental. So the bottom line here is that as Americans age, there is an elongated renter stage of life. It's not just prices or rates, it is lifestyle. And this is why, even when affordability improves, the homeownership rate should continue to drop. More rental demand is coming. So yes, an elongated renter stage, this forever renter, if you will. That is somewhat about finances, but it is more, and this shapes the landlordtenant landscape for decades. And of course, your advantage here at GRE is even if you live in a High Cost part of the nation, we know how to buy here, say, a brand new build to rent single family property in an investor advantage place like Indiana, Missouri, Alabama or Florida, and we get it for, say, 300k or so, and you get a tenant that will pay you rent for four years or more in a lot of cases. So we've been talking about where the rental demand is coming from. It is both a lifestyle choice and a financial consideration for your tenant. Now this forever renter trend, that's something that really matters if you are providing housing to people. But some real estate trends just move so slowly, so glacier like that, you can kind of get lulled to sleep, until one day you look up and a trend has crystallized like the one that I just described. Let's compare a trend like that to something that people think matters a lot, and this does matter, but its importance is overinflated, and that is, for example, the President's nomination of a new Fed chair this year, and how that's going to move the real estate market. No, not as much as people think, as we've learned here, mortgage rates actually don't have that much to do with home prices. And yes, mortgage rates do move. They are correlated with the Fed funds rate. Yes, they are. When one is high, the other will be high. When one is low, the other will be low. They just don't move in direct lockstep. Let's listen in to the remarks of one Donald John Trump on the matter, because he talks about housing here. This is about a minute long, and then I come back to comment when Trump says him, he is apparently pointing to Treasury Secretary Scott Besant, who was in the room at the time, but as you'll hear, he's not expected to be the Fed Chair selection.    Speaker 1  12:06   Have you started the interviews for the Fed chair? Yes. Who have you interviewed? Ithink I already know my choice well. I like to him, but he's not going to take the job very fast. You like Treasury better, right? Much better, sir. So we are talking to various people and the I mean, frankly, I'd love to get the guy currently, and they're out right now,but people are holding me back. He's done a terrible job, hurting housing a little bit. The truth is, we've been so successful, we've blown past his interest rate. Stupidity. He's been wrong. That's why I call him too late. He's too late. Jerome, too late. Powell, he was recommended to me by a guy that made a bad, you know, bad choice, and it's too bad. But despite that, it's having very little impact, because we have, you know, we have all of these things happening, but it has an impact on housing to a certain extent. He's a fool. He's a stupid man, but we have some very good people   Keith Weinhold  13:09   yeah. So this matters, but it's as much entertainment and almost comedy against a demographic trend like the Forever renter propensity, a calendar year recently ended. It's time to make a quick rundown of the overall investing landscape. Once in a while we do that. It's good to check the movement on other asset classes outside real estate. It's our asset class rundown for last year, the s, p5, 100 was up nearly 17% that's the third year in a row of double digit gains in the year that Warren Buffett stepped down as CEO of Berkshire Hathaway, there's a warning. The S and P Schiller price to earnings ratio soared above 40 for only the second time in history. That's an indicator that stocks are overvalued. The only other time that happened was during the.com bubble in real estate, single family home values were up about 2% per the NAR just over 1% per Kay Shiller, apartment building values were flat to a slight decline. There is no such thing as an official apartment building Price Index, CPI inflation, up almost 3% on the year. It now hasn't been at the Fed's target of 2% or lower for a calendar year since 2019 Yeah, it has run hot all that time. Last year, mortgage rates fell from 6.9% to 6.2% and then, as you would expect, the yield on the 10 year treasury note also fell from 4.6 to 4.2 The dollar fell hard with a thud down 9% its worst performance since 2017 WTI oil prices fell from 70 bucks to $58 that's an 18% decline, but really the story of the year among all asset. Classes is what happened with precious metals, gold up a staggering 68% over the past year, touching an all time high of about $4,500 silver, up about 155% leaving investors flabbergasted and slack jawed, touching an all time high of over $80 platinum and palladium had near triple digit gains the real price of gold. This means inflation adjusted even jumped to its all time high last year, significantly surpassing the previous peaks of 1980 2011, and 2020. Realized this. More than 80% of all the recoverable gold on earth has already been extracted. Silver has been the top performing major asset class. In fact, today, a little one ounce silver coin is worth more than a 300 pound barrel of oil. Sticking with the topic of metals, inflation finally killed a penny. The last one was minted in 2025 in Philadelphia, ending a continuous run of the US minting the penny since 1792 no more. Bitcoin was down 6% falling from 93k to 87k the NASDAQ is aiming for near round the clock trading. It currently trades 16 hours a day, five days a week. They are looking to go up to 23 hours a day, five days a week in the second half of this year. That's our year end asset class rundown    Keith Weinhold  16:34   coming up in future weeks of the get rich education podcast. I am going to do an episode on overpopulation versus underpopulation? Is the world over or underpopulated, and is the United States over or underpopulated? This obviously has huge implications for the housing market. Then on another episode, we're going to discuss a real estate axis strategy we've never discussed before, called the 721 exchange. Now you might have heard of the better known 1031 tax deferred exchange, but the 731 is different. When you get older as a property owner and you realize that you don't want the hassles of landlording anymore, you can sell your properties to a partnership. The 721 exchange dictates that this is not a taxable event, and therefore no capital gains taxes or depreciation recapture are due. Property owners still get the benefits of cash flow and the appreciation across a greater number of properties and markets, and it's a great estate planning tool as well. Yes, that's the 721, exchange. We are going to cover it here. When it comes to investment real estate, I guess we cover nearly everything that's coming up on a future episode. As for today, we're talking about property taxes, if they go away, what replaces them that comes up shortly? Visit get richeducation.com to learn more about how we help you and what we do, and to get connected with real estate. Pays five ways type of properties. Visit gre marketplace.com. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:23   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989,yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:34   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally while it's on your mind. Start at Ridge lending group.com that's Ridge lending group.com    Jim Rickards  20:05   this is author Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:22   Welcome back to get rich education. Episode 588 for the 12th consecutive year here, I'm your host. Keith Weinhold, I look forward to perhaps meeting you in person this coming weekend, as I'll be attending the real estate guys create your future goals retreat event in Colorado Springs. You probably remember that we have had the events host and leader, Robert Helms, of the real estate guys on the show with us here several times in the past. What a class act I am spending a few extra days after the event in Colorado Springs to both look at local real estate in that market and climb the Manitou incline, that's this grueling climbing challenge up a slope of Pikes Peak. If you want to climb with me after the real estate guys event, bring your running shoes and I'll lead a group of us up there    Keith Weinhold  21:13   if property taxes go away, what replaces them? Realtor.com recently had a terrific article about this that you can look up the property tax revolt is spreading, but the replacement plan isn't let's look at the probability and possibility of eliminating property tax. Think about how property tax elimination would increase the value of your property well, because now every buyer could afford to pay more, since they won't have that property tax expense. And of course, if you were to remove property tax as a line item from your income and expense statement, your cash flow could double, triple, or even five or 10x depending on your current cash, on cash return. But that cash flow part is less likely because most efforts to eliminate the property tax, they focus on homes, primary residences. Well, several states have either active legislation efforts or these sort of informal grassroots movements to significantly cut down or just totally abolish property tax, but no state has fully eliminated them yet. The most prominent efforts are in five states, most notably Florida, where Governor Ron DeSantis has made the most noise about it. He proposed eliminating property taxes on homesteaded which are primary residence properties, and he aims for a constitutional amendment on the November ballot to achieve this, that is 10 months from now. And that proposal, it's still pretty early in the legislative stages, and the state is also considering property tax rebates in the meantime. Now, even if you own rental property, and property tax were only eliminated on primary residences, it would still cause the value of your property to boom pretty nicely, even if it didn't help the cash flow. The state that's made the second most noise is Ohio. A grassroots organization has called Citizens for property tax reform. They have actively campaigned to place a constitutional amendment on their ballot that would just totally abolish property taxes statewide. Third most is Kansas. They propose legislation and that aims to effectively bump up sales tax to replace property tax. The fourth out of five is North Dakota. Let's look at what they're doing following a failed 2024, ballot measure to just totally abolish the property tax outright. Well, there's a new proposal from the governor, and that seeks this phased out elimination for most homeowners over a decade. And see, North Dakota has a slightly better chance of pulling that off, because they can fund that from the state's Legacy Fund, that's their oil well fund, and then making the fifth most abolition of property tax noise is my home state of Pennsylvania. Lawmakers have introduced bills to eliminate all property tax. They also aim for a constitutional amendment to put that issue before the voters. So they are the five states that have made the most noise, and that's what their approach is.    Keith Weinhold  24:43   Now, seemingly for most of my life, homeowners and landlords have griped about property tax, saying it's the most ridiculous tax of them all, because you pay it year after year after year in perpetuity. And it just never goes away. Unlike other taxes that are just a one time tax, even if your property's mortgage is paid off, you still have a house payment, and that is largely due to property tax. Understand, though, that currently a lot of states give you a reduced property tax once you reach a senior age, usually age 65 plus some start as low as 61 but when it comes to eliminating the property tax, there's a part of the conversation that's really important, and it has been notably absent, and that is a novel solution to replace the lost revenue. And it gets rather interesting to look around and see where else the money might be raised if they eliminate property tax. See, and this is really important to understand, property taxes generate 70% of local revenue, up to 90% of school funding and 25% of all state and local tax revenue in aggregate in Florida. Okay, that's just in Florida those numbers, but a lot of states have a similar scenario, and in Florida, that comes out to about $50 billion a year. That is a big hole to plug, that is a big gap to fill, and it underlines both the burden homeowners are currently shouldering and how hard it's going to be to fill that gap with anything that's more stable or equitable, that's going to last as a funding source, yes, 90% of school funding. You heard that, right? If you talk to an old timer, you know sometimes you still hear an elderly person refer to property taxes as school taxes. So see, this question of, Do you want to abolish property taxes? One reason that's become louder and louder these past few years, and why you hear more about it is due to that increased affordability strain. That's why you're hearing more about it now the question, do you want to abolish property taxes? That is the wrong question. A grassroots push to AX the property tax that's gained traction, really, among some senior homeowners facing property tax bills that are as high as their mortgage. Once was last summer, for example, in Mahoning County, Ohio, the tax delinquency rate hit 18% almost one in five people having trouble paying their property tax, and that county had more than 70 million in unpaid property taxes. In some neighborhoods in Youngstown, as many as one in three homeowners were behind. And in Cuyahoga County, which is basically Cleveland, values jumped 32% on average after reassessments that fueled a $60 million dollar increase in past due balances this whole do we want to abolish property taxes? Question? You're going to see why that's the wrong question and why it's incomplete, because that slogan that skips the only part that really matters here, and that is, what is the replacement plan, realistically, taxpayers should be asked if, in lieu of property tax, they'd rather pay higher sales taxes or higher income taxes, or for those with no state income tax, like Texas or Florida, pay one for the first time. I don't like those answers. I wish governments would spend more efficiently, but that's not the angle that we're looking at here. Property taxes are the true lifeblood of local governments. I mean, they fund everything from public safety to roads to schools, and just because property taxes disappear, well that doesn't mean that the need for firefighters goes away, that the need for police officers goes away, or the infrastructure for public school systems is going to be gone, or the roads go away. So if property taxes are cut, then another revenue generating device has to emerge to keep services funded and running. And it's a little funny. I've been talking about certain states here. But of course, property taxes are exacted and assessed at the county and local level. And look, I mean, you know how the world works, you know what the nature of society is. As soon as someone has their income stream, they quickly grow into that lifestyle and the new larger spending pattern. So taking away an existing income stream or even reducing it a little, I mean, that can almost trigger outrage and protests, for example, the outcry that we had last year about cutting snap payments. But it works this way. With anything. I mean, sheesh. For the majority of Americans, if you cut their income even 10% they would struggle to survive. They would struggle to put food in the fridge. So these repeal the property tax campaigns, they often avoid the reality of the replacement math.    Keith Weinhold  30:19   Now, some states have taken a swing at replacing property tax revenue, but few, if any, have succeeded. Now, Nebraska lawmakers, what they did is they floated higher cigarette taxes as a way to fund a goal of cutting their property taxes by 40% I mean, nice try. But according to an analysis by the Tax Foundation, that tax base was far too small. I mean to tell you more about what a terrible miss. This example is Nebraska cigarette taxes. They raised about $52 million in 2024 while property taxes raised $5.3 billion that is 100 times more, not even close, even if you could raise more money in the short run, excise revenues like this cigarette tax, they're pretty volatile, and they often shrink as the demand ebbs and flows. So it really makes them a poor backbone for expenses that grow over time, and they don't eliminate the cost so much as concentrated. So what they do is they sort of shift this broad civic obligation funding all this stuff, police, fire, school, from homeowners onto a much narrower group, in this case, people who smoke. That is not going to work for Nebraska, all right, well, what about a bigger deal, like replacing it with sales tax? Well, they run into a different problem. Local economies are not built the same. You might have a sales tax heavy tourist County, well, they can raise far more money than an agricultural county. And Florida is a clear illustration. They have lots of tourism and lots of agriculture replacing property taxes with sales tax. That would require eye popping sales tax rates too. According to the Tax Foundation Florida statewide, they would have to go from 7% to over 15% sales tax in Florida. But it gets even worse, because counties with a thin sales tax base would have to charge over 32% sales tax. My gosh, that is not going to work, all right. Well, how about another big one? Let's have income taxes replace property tax in a lot of states. I mean, the income tax that's large enough to raise pretty meaningful revenue. But the trade off is that income taxes come with their own sort of economic and political distortions, and once they're added, you know, they rarely stay confined to the tidy swap that voters were promised. I mean, look at New Jersey. They adopted an income tax in the 1970s to provide property tax relief, but over time, that swap proved hard to manage and hard to enforce, and now today, New Jersey has one of the highest effective property tax and state income tax rates combined in the nation. So the point is that all these property tax replacement tools are just inherently piecemeal. Each tax or fee has like this different payer base or some different vulnerability. I mean, if tourism dips, for example, revenues could drop really fast. And the same is true if a regulated industry contracts, or if consumption patterns shift. And you know that volatility, that's manageable for some narrow program, but that is dangerous as the foundation for essential services like public safety and street maintenance and police and schools and fire. Well, how about forgetting all that? Let's just have the government then totally get out of providing public safety and not have the government provide street maintenance and have the government get out of schools. I mean, we used to have more private companies provide you with some of those services. We didn't even have a federal income tax at all until 1913 other than a temporary one to fund the Civil War. But all of that is a bigger topic that we are not going to get into today. The point is, instead of asking the question, do you want to abolish property taxes? The better question is, which replacement are you choosing and who pays for it? Because local costs come on, they're just not likely to shrink anytime soon. After all, all of this schools, fire and police departments, public works, divisions, they're all subject to the same inflation and the same rising costs as the rest of the economy is so the property tax is unpopular. As it is, it does have one functional advantage. It is tied to this immovable base of properties. It's collected locally, and it's designed to fund on going services. That is not to say that some homeowners don't need relief. Some of them clearly do. But eliminating property taxes, that just does not eliminate the underlying cost of government. All it does is reallocate it, and that reallocation can get messy, that shifts a bigger burden onto a smaller share of taxpayers, whether it's smokers, like it was in Nebraska, or whether it's rural shoppers like the Florida sales tax example, or doubly on working homeowners, like it is in the New Jersey income tax example. I have studied this, and I have not seen novel approaches that really keep communities funded without creating some new distortion somewhere else. But unfortunately, one thing that I have seen is this repeal rhetoric, and it makes these political platitudes all that want to just conveniently skip the replacement plan, but it all sounds good and popular when someone stands up there and says that they want to eliminate property taxes. So really the honest question on a ballot. It's not, do you want to abolish property taxes? The honest question is, are you willing to pay higher sales taxes or higher income taxes or adopt one for the first time and accept the distortions that those choices to create to eliminate the property tax? I'm not going to get into the political side of all this, because that's not what we do here. The bottom line is, though, that you're probably going to hear more about the property tax going away. It is unlikely, of course, as income property investors here, property tax is largely built into the rent. It is passed along to your tenant, and a small reduction would help you out, probably not so much on your cash flow side, since most of these proposals are only for primary residences, but even a small property tax reduction on primary residences that would boost all property values, even rental property in the one to four unit space. But you shouldn't expect much here. If property taxes are eliminated, there is just no easy and viable replacement. That's your answer today, if you represent a company that serves real estate investors get rich. Education has over 3 million IAB certified downloads and 5.8 million total listener downloads. You can learn more about advertising on the show at getricheducation.com/ad, that's get rich education.com/ad   Speaker 2  37:51   for the production team here at GRE, that's our sound engineer, bedroom jampo, who has edited every single GRE podcast episode since 2014 QC and show notes Brenda Almendariz, video lead, Binaya Gyawali, strategy Tallah Mugal, video editor, Saroza KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, Don't Quit Your Daydream.   Speaker 3  38:17   nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  38:45   The preceding program was brought to you by your home for wealth building, getricheducation.com  

We run down state lawmakers' "to-do" list as they head back to the Capitol this week, with Purplish. Then, the author of the new book, "Jesus Springs" on how evangelical Christianity shaped Colorado's second-biggest city. Plus, join Ryan live and in-person for "On Fire For God" Friday at the Denver Press Club. Also, tempting tastes in the Pikes Peak region with "Side Dish." And we hop on the Atchison, Topeka and Santa Fe. 

Southgate Campus

Are you ready to get on the rocket or will you watch from the sidelines?In this powerful message, Pastor Dean unpacks what a godly, biblical leadership transition looks like not marked by conflict or division, but by unity, faith, and forward momentum. Using the imagery of a rocket launch and the transition from Moses to Joshua, he challenges Rock Family Church to break past spiritual barriers and step into a new season of faith, obedience, and expectation. This message is both a call to honor the legacy of the past and an invitation to courageously pursue the new things God is doing as the church prepares for Launch Day 2026.Key TakeawaysGodly transitions require breaking barriers, not clinging to comfort or familiarity.New seasons demand new rhythms, new methods, and fresh faith.Faith often requires movement before the miracle is visible.Worship and obedience pave the way for breakthrough and victory.Scripture ReferencesNumbers 14Joshua 3–5Joshua 3:5Ephesians 3:20Join us every Sunday online or in-person at 9:00am & 11:00am. 4005 Lee Vance Vw, Colorado Springs, CO 80918 Website: rockfamilychurch.com Connect Card: https://rfc.churchcenter.com/people/forms/528074 Prayer Requests: https://www.rockfamilychurch.com/prayer-request Start Serving: https://rfc.churchcenter.com/registrations/events/category/92573 Join a Small Group: https://rfc.churchcenter.com/registrations/events/3287086 Facebook: facebook.com/rockfamilychurch Instagram: instagram.com/rockfamilychurch Tik Tok: tiktok.com/@rockfamilychurch Youtube: youtube.com/@RockFamilyOnline#ColoradoSpringsChurch #Faith #Jesus #Worship #ChurchOnline #SundayMessage

What happens when comfortable faith turns into complacency?In Complacency and Excuses, Pastor Aaron Pennington continues the Uprooted sermon series with a powerful call to responsibility, surrender, and real transformation.Using a gripping historical illustration and Scripture from John 10, Matthew 5, Galatians 5, Luke 9, and Ephesians 3, this message confronts the excuses that quietly keep us stuck. Pastor Aaron challenges us to stop blaming circumstances, stop settling for the status quo, and allow God to uproot anything that prevents us from living fully surrendered lives.This sermon speaks directly to:Spiritual complacencyMaking excuses instead of taking responsibilityStanding firm in faith against cultural pressureDaily surrender and obedienceLetting go of shame and receiving graceWalking by the Spirit instead of the fleshIf you're asking what needs to change in your life in 2026, this message will challenge, encourage, and invite you into deeper faith.

Gigi Turner grew up in a large family in Brazil before making Colorado Springs her home. She holds her Doctorate in Psychology and spent years as a professor - now, she owns and operates Singing Bowls of the Rockies - a sound bath studio where she truly harnesses the vibrations of the mountains. Learn about her journey of turning her studies of the mind into a wellness experience that's become an unexpected highlight of visitor's trips.  Be sure to subscribe so you don't miss our next episode! Send any questions or inquiries to Media@VisitCOS.com.  Episode links:  @SingingBowlsOfTheRockies SingingBowlsOfTheRockies.com  

Our guest this week is Mike Kinner of Colorado Springs, CO who is the founder of Air-O-Sport and father of three including a son with microcephaly.Mike and his wife, Stephanie, have been married for 12 years and are the proud parents of three children: daughters; Elieyanah (1) and McKenzie (9) as well as son, Samuel (6) who has microcephaly, which is linked to several disorders, including; epilepsy, cerebral palsy, being deaf, visually impaired and non-verbal.Mike is the founder of Air-O-Sport, a unique fast-paced, non-contact team game where players pass and throw a lightweight ring through the air to score points by hitting targets or completing passes in a defined zone. It blends elements of basketball, ultimate frisbee, and handball, emphasizing agility, teamwork, and quick decision-making.We learn about the Kinner family, their love for Samuel and the energy they bring to life, all on this episode of the SFN Dad to Dad Podcast.Show Notes - Phone – (719) 243-9111Email – mike@playairosport.comLinkedIn –  https://www.linkedin.com/in/mikekinner/Website - https://playairosport.com/Special Fathers Network –SFN is a dad to dad mentoring program for fathers raising children with special needs. Many of the 800+ SFN Mentor Fathers, who are raising kids with special needs, have said: “I wish there was something like this when we first received our child's diagnosis. I felt so isolated.  There was no one within my family, at work, at church or within my friend group who understood or could relate to what I was going through.”SFN Mentor Fathers share their experiences with younger dads closer to the beginning of their journey raising a child with the same or similar special needs. The SFN Mentor Fathers do NOT offer legal or medical advice, that is what lawyers and doctors do. They simply share their experiences and how they have made the most of challenging situations.Check out the 21CD YouTube Channel with dozens of videos on topics relevant to dads raising children with special needs - https://www.youtube.com/channel/UCzDFCvQimWNEb158ll6Q4cA/videosPlease support the SFN. Click here to donate: https://21stcenturydads.org/donate/Special Fathers Network: https://21stcenturydads.org/  SFN Mastermind Group - https://21stcenturydads.org/sfn-mastermind-group/Special thanks to SFN Mentor Father, SFN Mastermind Group dad and 21CD board member Shane Madden for creating the SFN jingle on the front and back end of the podcast.. 

Louis C.K. is a stand-up comedian, writer, director, and producer known for his brutally honest, self-deprecating comedy. A multiple-time Emmy and Grammy winner, he has released numerous stand-up specials and created acclaimed television series including Louie. In addition to his work in comedy and film, Louis C.K. is the author of the novel Ingram, available now.FOR MORE WITH LOUIS CK:BOOK: Ingram - Available NowINSTAGRAM: @louisckxWEBSITE: louisck.comFOR MORE WITH RUDY PAVICH: INSTAGRAM: @rudy_pavichWEBSITE: www.rudypavichcomedy.comLIVE SHOWS: January 8 - Loveland, COJanuary 9 - Colorado Springs, COJanuary 10 - Colorado Springs, CO (2 shows)January 11 - Greenwood Village, COJanuary 16 - Grants Pass, ORJanuary 17 - Bend, ORSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

C. Thomas Howell is an actor, filmmaker, and musician best known for his iconic roles in The Outsiders, Red Dawn, and The Hitcher. In addition to his extensive film and television career, Howell is also a recording artist, with his album Damned Good Man available now. He stars in the feature film One Mile and its sequel One More Mile, hitting theaters in late February. Follow him on Insta: @cthomashowell and X: @C_Thomas_Howell for updates on new projects, music, and live appearances.FOR MORE WITH C. THOMAS HOWELL:SIGNING: With ET cast THIS WEEKEND at Los Angeles Marriott Burbank Hotel FILM: “One Mile” & sequel “One More Mile” in theaters late FebruaryALBUM: ‘Damned Good Man' AVAILABLE NOW NON-PROFIT: The Stay Gold FoundationFOR MORE WITH ELISHA KRAUSS: INSTAGRAM: @elishakraussWEBSITE: elishakrauss.com JOURNAL: https://www.washingtonexaminer.com/author/elisha-krauss/LIVE SHOWS: January 8 - Loveland, COJanuary 9 - Colorado Springs, COJanuary 10 - Colorado Springs, CO (2 shows)January 11 - Greenwood Village, COJanuary 16 - Grants Pass, ORJanuary 17 - Bend, ORThank you for supporting our sponsors:BetOnlineChime.com/ADAMHomes.comForThePeople.com/Adamoreillyauto.com/adampluto.tvSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The flu picture ain't pretty in Colorado, with numbers and hospitalizations spiking skyward. But we're going to look at it anyhow with Dr. Ken Lyn-Kew, a critical care pulmonologist at National Jewish Health in Denver. Then, they were some of the first black law students at CU, but their names had been lost to history. A trip to the law library sheds some light. Also, local companies, from Denver to Creede, produce plenty of top-notch theater -- that's the focus of a new series, which we raise the curtain on today, with Colorado Springs actor Anne Terze-Schwarz in the spotlight. 

Today your Crosswalk host, Pastor Brian Michaels, sits with Charles Graves, "church guy" for Life Network in Colorado Springs. Their wide-ranging interview covers marriage, divorce, discipleship, and Sanctity of Human Life day, and how Life Network ministers to the preservation of human life.See omnystudio.com/listener for privacy information.

Mark Geragos is a nationally recognized criminal defense attorney, legal analyst, and media personality. He is the founding partner of Geragos & Geragos and has represented high-profile clients in some of the most talked-about cases in the country. Geragos regularly appears on television discussing law, justice, and culture. Follow him on X @MarkGeragos and Instagram @markgeragos.FOR MORE WITH MARK GERAGOS:WEBSITE: GERAGOS.COMFOR MORE WITH ELISHA KRAUSS: INSTAGRAM: @elishakraussWEBSITE: elishakrauss.com JOURNAL: https://www.washingtonexaminer.com/author/elisha-krauss/LIVE SHOWS: January 8 - Loveland, COJanuary 9 - Colorado Springs, COJanuary 10 - Colorado Springs, CO (2 shows)January 11 - Greenwood Village, COJanuary 16 - Grants Pass, ORJanuary 17 - Bend, ORThank you for supporting our sponsors:BetOnlineBetterhelp.com/CAROLLAHomeChef.com/ADAMhomes.comoreillyauto.com/adampluto.tvsimplisafe.com/ADAM See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

While most Colorado investors chase the same overpriced listings and compete on subject-to deals, Troy Miller quietly closes properties for $30K that will be worth $250K after renovation. These short sale real estate Colorado 2025 deals require skill and systems, but Troy proves you only need 5-6 deals per year to hit financial goals. The strategy isn’t new, but the opportunities are growing as more properties go underwater in today’s market. Troy Miller is the CEO of Colorado Recon (formerly ICOR), giving him a unique vantage point into what’s actually working across Colorado’s real estate market. He speaks with hundreds of active investors, sees deal flow from wholesalers and agents, and has built systems to handle the 22 hours of paperwork required for each short sale without sacrificing his lifestyle. In this episode, Troy breaks down two live short sale deals he’s working on right now. The first is a Pueblo property that was 73 months delinquent (yes, over 6 years) due to bank oversight and active-duty military protections. He shares how he navigated FHA regulations, threatened senator involvement, and is closing on a property purchased for $30K with conservative after-repair values between $250K-$280K. The second deal in Colorado Springs looked pristine on the surface but had expensive foundation and sewer issues lurking below – and how an appraisal ordered without Troy present is now creating a months-long dispute process. This isn’t a beginner strategy. Troy explains why the current wave of subject-to education concerns him and other industry leaders – improper execution could trigger federal policy changes affecting all investors. He defines the critical differences between subject-to and short sale transactions, explains Colorado’s unique 6-month foreclosure timeline, and shares why deals that are “underwater” (owing more than current value) create the best opportunities. In This Episode We Cover: Why short sales still exist and how to source them through networking instead of direct mail The exact paperwork process and 22-hour timeline to submit a complete short sale package How Troy uses virtual assistants to scale while maintaining his lifestyle (only 5-6 deals per year needed) Critical mistakes in subject-to deals that could trigger federal regulation Real numbers from two active Colorado deals: $30K purchase prices with $250K+ upside Navigating FHA regulations, Dodd-Frank protections, and bank disputes The “blue ocean strategy” – finding your niche where there’s less competition Colorado’s market remains challenging with tight inventory and high interest rates, but creative acquisition strategies like short sales offer serious investors a path to deals with healthy margins. Troy proves you don’t need to do 50 deals per year when you master one strategy and build systems around it. Timestamps 00:00 – Welcome & Guest Introduction01:52 – Troy Miller’s Background – From Nonprofit World to Real Estate Investing05:16– – The Subject-To Problem – Why Bad Execution Could Trigger Federal Policy Changes 08:55– Subject-To Deals vs Short Sales – Critical Definitions for Colorado Investors 11:42 – Colorado Springs deal12:32 – Pueblo Short Sale Deal #1 – 73 Months Delinquent, FHA Complications16:32 – Active Duty Military Protection – How Dodd-Frank Changed the Game18:42– Deal Numbers Breakdown – $30K Purchase, $250K+ After Repair Value21:05– Navigating the 90-Day Deed Restriction During Government Shutdown27:32– Colorado Springs Short Sale Deal #2 – When Surface Looks Good But Isn’t29:47– The Appraisal Dispute – Bank Orders $325K Valuation, Reality Is Different36:45– Building Scalable Systems – Virtual Assistants Handle 22 Hours of Paperwork39:05– Finding Your Blue Ocean – Why Troy Only Needs 5-6 Deals Per Year39:41 – Resources for Learning Short Sales & Subject-To Strategies Links in Podcast Colorado Recon Next Event: January 24, 2025 – ColoradoRecon.com

Welcome to Sunday Service  Wish you were here!  Newsong, Colorado Springs (starts at 10:00am)  Subscribe to text updates. Text the words text alert to 94000  Subscribe to emails (bottom of page on newsongcs.com)  Listen to podcasts. Keywords newsong foursquare  Watch services on Youtube. Keyword newsongcs  Follow us on Facebook, Instagram & TikTok keyword newsongcs  3 ways to give to Missions, Disaster Relief, Tithes, or Offerings  1.. newsongcs/com/give  2. Text Giving - text the word EASY to 94000 3. Mail - P.O. Box 75818 • C.S., CO 80970

Welcome to Sunday Service  Wish you were here!  Newsong, Colorado Springs (starts at 10:00am)  Subscribe to text updates. Text the words text alert to 94000  Subscribe to emails (bottom of page on newsongcs.com)  Listen to podcasts. Keywords newsong foursquare  Watch services on Youtube. Keyword newsongcs  Follow us on Facebook, Instagram & TikTok keyword newsongcs  3 ways to give to Missions, Disaster Relief, Tithes, or Offerings  1.. newsongcs/com/give  2. Text Giving - text the word EASY to 94000 3. Mail - P.O. Box 75818 • C.S., CO 80970

Happy New Year, everyone, and welcome back to The Adam Carolla Show! In this episode, Mike Dawson joins Adam in the studio to recap the biggest stories and events that occurred during the holiday break. Adam sounds off on the “warmth of collectivism,” his communist grandmother, how low-character people are easily corrupted, and much, much more! IN THE NEWS: Russia and China have condemned the U.S. military's capture of Venezuelan dictator Nicolás Maduro and his wife, calling the move a violation of sovereignty and saying they're “deeply alarmed” by the use of force against the oil‑rich nation. In Minnesota, Somali day care operators are facing threats and a freeze on federal child care funding after a right‑wing influencer accused them of fraud — claims that investigators have yet to verify. And CBS anchor Tony Dokoupil is making headlines for urging viewers to “hold him accountable” as he takes over CBS Evening News, acknowledging deep public mistrust of mainstream media voices.Get it on.FOR MORE WITH MIKE DAWSON: INSTAGRAM & TWITTER: @dawsangelesLIVE SHOWS: January 8 - Loveland, COJanuary 9 - Colorado Springs, COJanuary 10 - Colorado Springs, CO (2 shows)January 11 - Greenwood Village, COJanuary 16 - Grants Pass, ORJanuary 17 - Bend, ORThank you for supporting our sponsors:BetOnlinecardiff.co/adamHomes.comoreillyauto.com/adamPluto.tvSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us a textYou don't need to be louder - you need to be clearer.In this episode, I'm chatting with visibility strategist Ivana Ivanek about what it really takes to stand out in a saturated market without turning yourself into a content machine or sacrificing your integrity.We also discuss:How to build a brand based on your values and storyWhy your message matters more than your expertiseWhere to start if you have no idea what your "personal brand" actually isHow your personal brand allows you to pivot while maintaining customer loyaltyHow having a supportive community can help you find your voice and get over your fear of being seenLinks & References:If you're serious about growing your business in 2025, check out the new Powerful Women Rising Connection Network!Learn more about how Ivana helps coaches and educators make money and lasting impact HERE!Connect with Ivana on InstagramListen to the Online Business by Design podcastSupport the showConnect with Your Host!Melissa Snow is a Business Relationship Strategist dedicated to empowering women in entrepreneurship. She founded the Powerful Women Rising Community, which provides female business owners with essential support and resources for business growth. Melissa's other mission is to revolutionize networking, promoting authenticity and genuine connections over sleazy sales tactics. She runs an incredible monthly Virtual Speed Networking Event which you can attend once at no cost using the code FIRSTTIME She lives in Colorado Springs with two dogs, her soul cat Giorgio and any number of foster kittens. She loves iced coffee, Taylor Swift, and Threads.

Southgate Campus 

Change is something everyone wants, but few know how to experience in a lasting way. In this message, Dr. Trent Langhofer kicks off the Uprooted sermon series by exposing one of the most common but hidden obstacles to spiritual growth: performance based acceptance.Drawing from decades of counseling experience and Scripture, Dr. Trent teaches that real transformation does not come from trying harder or doing more, but from addressing what lies beneath the surface. Using the life and conversion of the Apostle Paul, he shows how striving, shame, and spiritual complacency often grow from the belief that we must earn God's approval through behavior, knowledge, or achievement.This message reveals how God brings change through four catalysts: learning, experience, pain, and love. Through Paul's encounter with Jesus on the road to Damascus, we see how God uproots a life built on performance and replaces it with grace, humility, and true freedom.If you are carrying shame, exhausted from striving, or quietly settled into being spiritually okay, this teaching will challenge and encourage you. The gospel reminds us that our standing with God is not based on what we do, but on what Christ has already done for us.This sermon invites us to begin a new year by laying down what is not working and allowing God to uproot whatever keeps us from becoming who He designed us to be.

Scripture ReferencesNumbers 22:5–31Deuteronomy 2:9Deuteronomy 23:42 Peter 2:15 Primary SourcesWenham, Gordon J. Numbers: An Introduction and Commentary. Vol. 4. Tyndale Old Testament Commentaries. Downers Grove, IL: InterVarsity Press, 1981.Wiersbe, Warren W. Be Counted. “Be” Commentary Series. Colorado Springs, CO: Chariot Victor Pub., 1999.Matthews, Victor Harold, Mark W. Chavalas, and John H. Walton. The IVP Bible Background Commentary: Old Testament. Electronic ed. Downers Grove, IL: InterVarsity Press, 2000.

Pastor Dean helps guide the church on the coming launch day for Pastor Josh to take the role of Lead Pastor.Key Takeaways• The church moves at the speed of alignment.• We are all called to be a part of the body, not just watchers.• God is writing a new book at Rock Family Church.__ __Join us every Sunday online or in-person at 9:00am & 11:00am.4005 Lee Vance Vw, Colorado Springs, CO 80918Website: rockfamilychurch.comConnect Card: https://rfc.churchcenter.com/people/forms/528074Prayer Requests: https://www.rockfamilychurch.com/prayer-requestStart Serving: https://rfc.churchcenter.com/registrations/events/category/92573Join a Small Group: https://rfc.churchcenter.com/registrations/events/3287086Facebook: facebook.com/rockfamilychurchInstagram: instagram.com/rockfamilychurchTik Tok: tiktok.com/@rockfamilychurchYoutube: youtube.com/@RockFamilyOnline#ColoradoSpringsChurch #Faith #Jesus #Worship #ChurchOnline #SundayMessage

While Adam and the crew are on holiday break, let's once again look back at some of the best moments from The Adam Carolla Show, featuring interviews with Ja Rule, Adam Ray, Drake Bell, Kevin Federline, and Bill O'Reilly. Thank you all for watching, and happy holidays! We'll be back with brand-new episodes of The Adam Carolla Show starting January 5, 2026.Get it on!LIVE SHOWS: January 8 - Loveland, COJanuary 9 - Colorado Springs, COJanuary 10 - Colorado Springs, CO (2 shows)January 11 - Greenwood Village, COJanuary 16 - Grants Pass, ORJanuary 17 - Bend, ORThank you for supporting our sponsors:BetOnlineGo to https://hometitlelock.com/adamcarolla and use promo code ADAM to get a FREE title history report and a FREE TRIAL of their Triple Lock Protection! For details visit https://hometitlelock.com/warrantyoreillyauto.com/ADAMpluto.tvSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

While Adam and the crew are on holiday break, let's look back at some of the best moments from The Adam Carolla Show, featuring classic interviews with Paul Walter Hauser, Steve Guttenberg, Lou Diamond Phillips, and Dana Gould. Thank you all for watching, and happy holidays! We'll be back with brand-new episodes of The Adam Carolla Show starting January 5, 2026.Get it on!LIVE SHOWS: January 8 - Loveland, COJanuary 9 - Colorado Springs, COJanuary 10 - Colorado Springs, CO (2 shows)January 11 - Greenwood Village, COJanuary 16 - Grants Pass, ORJanuary 17 - Bend, ORThank you for supporting our sponsors:BetOnlinehomes.comoreillyauto.com/ADAMpluto.tvSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Guest Bio: Sarah Stonestreet hosts the Strong Women podcast. A lover of learning, Sarah enjoys reading history, classic literature, theology, and books about global Christianity. As Director of Community Outreach at Saint George's Anglican Church, she looks for ways to care for the Colorado Springs community through the local Church. In this season of life, Sarah has the joy of seeing God work in the lives of young people as she homeschools her youngest three children and co-leads St. George's youth group with her husband, John.  Show Summary: What do you think it means to be a strong woman? Sarah Stonestreet felt personally convicted to help women define “strength” in a way separate from how culture and society tell us to be strong. Join host Elisa Morgan as she dives into the meaning of strong womanhood with Sarah during this God Hears Her conversation.   Notes and Quotes:  “A strong woman develops eyes to see the world around her with all its beauty and brokenness and to love with Christ's love with the gifts He has given her in the corners of the world where they find themselves.” —Sarah Stonestreet  “It's not that our faith is about the works that we do, but it's that our faith compels us—in love—to act as Christ would act.” —Sarah Stonestreet  “The courage comes because you've built up that habit of going to the Lord and seeking Him like He is silver and gold. So, when the time comes to actually make a bold stand, you're prepared.” —Sarah Stonestreet   Verses:  Ephesians 2:8-10   Hebrews 12  2 Corinthians 5   Related Episodes: GHH Ep 24 – When We Feel We Aren't Enough with Laura Smith: https://godhearsher.org/podcast/when-we-feel-we-arent-enough/ GHH Ep 60 – Becoming a Woman of Moxie with Julie Richardson: https://godhearsher.org/podcast/becoming-a-woman-with-moxie/ Unshakable Moxie series: https://youtu.be/d4DlFSeqS9I?si=0zEPwR6ERpAbdHG9  Links:  The Strong Women Podcast Website: https://colsoncenter.org/strong-women God Hears Her website: https://go.odb.org/ghh191  Subscribe to the God Hears Her YouTube channel: https://www.youtube.com/@GodHearsHerODBM 

Southgate Campus 

On today's episode, you'll hear Dr. Mark Costes in his first-ever recording from the brand-new DSI studio—joined by none other than Dr. Cody Boals, who shares his journey from small-town Illinois to co-owning a thriving 10-operatory dental practice in Colorado Springs. Dr. Boals opens up about launching Kissing Camels Family Dentistry with his wife Alexa, their approach to grassroots marketing, and how they scaled from seeing 40 new patients a month to over 150—all while maintaining a strong family-first philosophy.  Cody reflects on his early leadership missteps, how COVID and a NICU stay changed their practice vision, and the systems that helped them grow to nearly $5 million in collections. He also dives into his passion for endurance racing and what led him to complete the legendary Leadville 100 ultra-marathon just weeks after welcoming their second child. This episode is packed with insight on intentional scheduling, team culture, giving back to the community, and how to grow a practice without sacrificing your values. Be sure to check out the full episode from the Dentalpreneur Podcast! EPISODE RESOURCES https://www.truedentalsuccess.com Dental Success Network Subscribe to The Dentalpreneur Podcast

Santa Claus stops by the studio to talk with Adam about all things Christmas! From Santa's shaky marriage with Mrs. Claus and Elf on the Shelf to a fond Christmas memory from the Carolla household, it's a festive conversation all around. Merry Christmas, everyone!Thank you to Guy Stevenson for playing our Santa Claus! You can find him on Instagram at @guy.stevenson and catch his Podcast ‘Good Company' here: youtube.com/@GoodCompanyComedyPodcastLIVE SHOWS: January 8 - Loveland, COJanuary 9 - Colorado Springs, COJanuary 10 - Colorado Springs, CO (2 shows)January 11 - Greenwood Village, COJanuary 16 - Grants Pass, ORJanuary 17 - Bend, ORThank you for supporting our sponsors:BetOnlinehomes.comoreillyauto.com/ADAMpluto.tvSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's time to revisit the best moments from the Adam Carolla Show in 2025 and announce the winners for this year's Ace Awards! Categories include “Best Impression,” “Guest of the Year”, “Rant of the Year” and many more. Thank you all for an incredible year. We truly appreciate your support and wish you a happy and healthy holiday season. The Adam Carolla Show Returns in the new year January 5th, 2026! FOR MORE WITH RUDY PAVICH: INSTAGRAM: @rudy_pavichWEBSITE: www.rudypavichcomedy.comLIVE SHOWS: January 8 - Loveland, COJanuary 9 - Colorado Springs, COJanuary 10 - Colorado Springs, CO (2 shows)January 11 - Greenwood Village, COJanuary 16 - Grants Pass, ORJanuary 17 - Bend, ORThank you for supporting our sponsors:BetOnlinehttps://www.betterhelp.com/Homes.comForThePeople.com/Adamoreillyauto.com/ADAMpluto.tvhttps://www.selectquote.com/https://www.shopify.com/SIMPLISAFE.COM/ADAMSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Welcome to The Adam Carolla Show, live from the Sagebrush Cantina, with special guests Brad Williams and Rick Sittig! From ugly Christmas sweaters and holiday festivities to Brad and Adam judging Rick's stand-up comedy, it's a festive episode filled with laughs. Thanks for watching, and happy holidays!Brad Williams is a stand-up comedian. He has upcoming tour dates at the Plaza Theatre in Palm Springs, CA on December 27 and The Parker in Fort Lauderdale, FL on December 30. Find more at BradWilliamsComedy.com and follow him on X @FunnyBrad and on Instagram @BradWilliamsComic.Subscribe to The Adam Carolla Show on Substack: https://adamcarolla.substack.com/FOR MORE WITH BRAD WILLIAMS:WEBSITE: BradWilliamsComedy.comTWITTER: @FunnyBradINSTAGRAM: @BradWilliamsComicFOR MORE WITH RUDY PAVICH: INSTAGRAM: @rudy_pavichWEBSITE: www.rudypavichcomedy.comLIVE SHOWS: January 8 - Loveland, COJanuary 9 - Colorado Springs, COJanuary 10 - Colorado Springs, CO (2 shows)January 11 - Greenwood Village, COJanuary 16 - Grants Pass, ORJanuary 17 - Bend, ORThank you for supporting our sponsors:BetOnlineHims.com/ADAMHomes.comoreillyauto.com/ADAMPluto.tvSIMPLISAFE.COM/ADAMSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.