Podcasts about compare

1) Know the game never ends 2) Always give 110% 3) Compare yourself only to yourself 4) Differentiate yourself 5) Learn how to lose 6) Never make excuses 7) Give credit when credit is due

In this episode, we ask: What do I see every week? Does AI have good financial advice? What are some optimal prompts for AI? •  “Compare the historical net returns and liquidity of a properly structured dividend paying whole life insurance policy… versus a total stock market index over a 30 year period… include the...

A review of a Hawaii cruise on Norwegian Cruise Line's Pride of America.  Richard has cruise news on:  Carnival Hikes Gratuities & Drink Package – Starting April 2, gratuities rise to $17/day in standard rooms and $19/day in suites. Bottomless Bubbles soda package also increases to $11.99/day. Trevi Fountain Adds Entry Fee – Visitors must now pay $2.40 to get close to Rome's iconic fountain; locals and kids under 6 exempt. Jazz Cruise Tragedy – Renowned jazz musician Ken Peplowski passed away onboard Celebrity Summit during the annual Jazz Cruise. Drug Bust at PortMiami – Five passengers arrested with narcotics before boarding Symphony of the Seas for a themed Atlantis cruise. MSC Guests Left Behind – MSC Orchestra couldn't dock in Marseille due to port protests, forcing guests to rejoin in Genoa. MSC Adding Yacht Club – MSC Musica and Orchestra will receive the Yacht Club luxury enclave during upcoming refurbishments. Disney Adventure Breaks Record – Becomes the largest passenger ship to transit the Panama Canal on its way to Singapore homeport. Sponsor Cruise line protection is designed to help if you can't take your cruise. Third-party travel insurance helps protect you during the trip. Including medical care, delays, and unexpected issues. Compare plans and save up to 30% at TripInsurance.com. About Cruise Radio: Cruise Radio has been delivering cruise news, ship reviews, and money-saving tips weekly since 2009.

Concerned about retirement planning in a market full of uncertainty and noise? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase bring practical context to today's financial headlines and common retirement questions. • Analyze movements in gold prices and the U.S. dollar to clarify what currency shifts may indicate for markets and everyday economic conversations. • Explain why a modestly weaker dollar is not inherently negative and how it can affect U.S. company competitiveness. • Break down how the 4% retirement withdrawal rule of thumb is commonly discussed and why flexibility is central to long-term planning. • Compare viewpoints from prominent financial commentators on sustainable retirement withdrawals and why results may differ by household. • Outline considerations for retirement drawdowns, including when cash reserves versus equities are often referenced during market stress. • Evaluate diversification considerations for investors concerned about concentrated exposure to technology- and AI-focused funds. • Address the widespread concern about running out of money in retirement using commonly referenced planning frameworks. • Review how pension cost-of-living adjustments work and the factors considered when comparing lump-sum and annuity options. • Discuss the potential role and risks of high-yield bonds within balanced, income-focused portfolios. • Highlight why aligning brokerage account registrations with a living trust is frequently referenced in estate planning discussions. Listen to the Retire Sooner Podcast for clear, educational context on the retirement topics investors are talking about right now. Subscribe to stay connected to ongoing conversations focused on long-term planning, discipline, and perspective. Learn more about your ad choices. Visit megaphone.fm/adchoices

Alan provides a new Thursday Thought episode. In today's Thursday Thought is compare and despair. It's in our nature to compare ourselves with others. But as an inventor, comparing your success - with that of any other inventor is unfruitful. Compare yourself today - only with yourself yesterday - for best results.  Be sure to subscribe to the podcast on Apple Podcasts or wherever you get your podcasts, so you won't miss a single episode. Website: www.alanbeckley.com

You can now get free caviar from McDonalds? Sony execs compare Scar Jo to difficult Blake Lively in emails; Tom Cruise is rumored to be moving back to the US from London; One Star Reviews and the five second rule See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The conversation continues and we talk about being more confident as we get older, learning to be happier in the writer's room, Linda Lavin, bad table reads, dealing with notes, notes are not helpful, politics in shows, Ryan Murphy's genius, trying to make multi camera sitcoms in a world that may not want them, being high school friends, Sidney Pollack, David getting the writer's job, Jay was polished, Alan Zweibel, being 22 and wearing a sport coat, being a team who loves each other, shabbat, wives don't want to hear their husbands complain, shows that don't use the writing staff, getting on board a story, the big idea of a story, fighting for your money, paying the price for fighting, trying to avoid the fight and winning anyway, juries love them despite being fancy guys, Jeff Zuker's wife predicted Zuker's loss, bicycles, live performance, and how nice it is to hang with old friends.    Bio: David Kohan and Max Mutchnick are the creators and executive producers of "MidCentury Modern", and are perhaps best known for the 16-time Emmy Award-winning comedy series “Will & Grace,” which ended its 11-season run on NBC in April 2020. The trailblazing series is still praised for its significant social impact and groundbreaking representation of queer characters. High school friends Mutchnick and Kohan started their entertainment careers almost 25 years ago as writers for “Dream On”, “The Dennis Miller Show”, and “The Wonder Years”. Mutchnick graduated from Emerson College and currently serves on its Board of Trustees. Kohan is a proud alumnus of Wesleyan University, where he majored in English and philosophy. Mutchnick is married to entertainment lawyer Erik Hyman. They live in Beverly Hills with their twin daughters, Evan and Rose, named for the couple's maternal grandmothers. Kohan is also co-creator and producer of daughters Olivia and Nora. He currently lives in Los Angeles with Nora and his wife, Blair, a board member and motion picture agent at UTA. Learn more about your ad choices. Visit megaphone.fm/adchoices

Here we are, Ro's last few days of freedom before he ties the knot. He gives us some last minute updates for his wedding and then an epic battle he fought whilst trying to book his honeymoon. Ro also has some unethical life hacks for organising a wedding. Migs has a metro yarn, Sen talks about AI and has a sudden urge to buy an E-bike.We are back with "Compare and Contrast" as we tier list cuisines from around the world. We are sure people are chomping at the bit to hear 3 culinarily challenged men provide their opinions on food they couldn't cook.___________________________________________________________ FULL PODCAST EPISODES

Welcome to the Monday Minute, brought to you by our friends at Podium. The Monday Minute is your weekly reset to help you lead better, think clearer, and build your dealership with intention.Choosing the right business structure for your car dealership is one of the most important foundational decisions you'll make as an independent dealer. In this episode, we break down Sole Proprietor, Partnership, and LLC structures—and help you choose the right one for your dealership.WHAT WE COVER:Sole Proprietor structure and pass-through incomePartnership agreements (and why documentation is critical)LLC benefits: personal protection and flexibilityS-Corp vs C-Corp tax filing strategiesAligning your business structure with your dealership goalsACTION STEPS THIS WEEK:Get clear on your dealership goals - staying small or scaling up?Compare risk tolerance and tax implications of each structureConsult with a CPA and business attorney before decidingThis isn't about choosing the "best" business entity—it's about choosing the RIGHT one for how you want to operate and grow your car dealership. Build your foundation correctly, and everything else stands together.Be sure to review this week's Sunday newsletter at https://www.theindependentdealer.com where the full theme and exercises are laid out to help you work through this with your team. If you're not subscribed yet, sign up now.Let's build this together.SPONSORED BY PODIUM: https://www.podium.com

(Note: This episode originally ran on September 30th, 2025)Artificial Intelligence is everywhere — from ChatGPT to TikTok algorithms, AI is transforming childhood, parenting, and everything about how we live today.Creator and co-host of podcast Life With Machines Baratunde Thurston chats with Elise Hu about the ways we can help kids and ourselves navigate this new technology with curiosity and care. Learn how kids are engaging with AI today, and why adults and grownups need to learn alongside kids rather than just supervise them. By approaching an understanding with humility and setting practical and healthy boundaries with AI, parents can confidently help navigate using AI as a tool, instead of something to stay away from.Key takeaways for parents:Compare how kids of different ages use tech, and tailor your guidance to their stage.Ask your child how information moves among friends, and practice checking before sharing.Point out where AI shows up in daily life, and invite the child in your life's perspective on it.Admit what you don't know, and show curiosity so kids learn alongside you.Break down AI as a tool, a platform, or a concept, so kids can see its different roles.⏱️ Timestamps:Keep the conversation going at home with our FREE Conversation Kit companion guide: https://delivery.shopifyapps.com/-/227992a4494016f2/b694b2dbd557aa6eFollow Baratunde Thurston on Instagram: https://www.instagram.com/baratunde/New episodes every Tuesday:YouTube: https://swap.fm/l/P8iCjNFnIWI7kTmU0vmkApple: https://swap.fm/l/kCnCRNdWkpuYYbyzyE77Spotify: https://swap.fm/l/SOQe4gSHh3vVIwPGFDetOr wherever you get your podcasts.

Resources Mentioned: 2026 Margin Protection Playbook: https://natrevmd.com/2026-margin-protection-playbook/ Eligibility Billing Verification Checklist: https://natrevmd.com/eligibility-billing-verification/ Book a Call: https://natrevmd.com/ For years, primary care practices have been stuck in a broken system. You've been forced to choose between different care management programs, each with its own administrative headaches and low margins. You're doing the work, but you're not getting paid for it. That all changes in 2026. In this episode, we give you the ultimate guide to the new 2026 care management billing landscape. We break down the revolutionary new APCM + BHI add-on codes that allow you to bill for both primary care management and behavioral health integration, for the same patient, in the same month, without the time-tracking burden. This episode will show you how to: Compare all care management billing models head-to-head Calculate the $1.1M+ annual revenue opportunity for your practice Choose the right model for your specific situation Eliminate time-tracking and administrative burden This is the most important podcast episode you'll listen to all year. It's your roadmap to a more profitable, more scalable, and more impactful practice.  

In this episode of Cruise Radio, host Doug Parker and staff writer Richard Simms discuss the latest cruise industry news. Topics include:  Norwegian Cruise Line's first overnight docking at Great Stirrup Cay. The impact of Winter Storm Fern on cruise itineraries, and the importance of travel insurance. Royal Caribbean debuts cruise ship earlier than planned MSC developing a Freeport cruise port on Grand Bahamas Island. Norwegian's new policy requiring early arrivals for air program guests. Cruise ship Scenic Eclipse receiving icebreaker assistance in Antarctica. Carnival crew member labor disputes in Australia.  The episode also features Kevin's review of Royal Caribbean's newest ship, Star of the Seas, showcasing family-friendly amenities, food & dining, and the value of cruising on a large, modern ship in 2026 as a family. Sponsor Cruise line protection is designed to help if you can't take your cruise. Third-party travel insurance helps protect you during the trip. Including medical care, delays, and unexpected issues. Compare plans and save up to 30% at TripInsurance.com. About Cruise Radio: Cruise Radio has been delivering cruise news, ship reviews, and money-saving tips weekly since 2009.

Is the American middle class actually shrinking, or evolving? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase offer educational context on widely discussed economic, investing, and retirement planning topics shaping today's financial conversations. Listen as long-term data, market history, and household-level considerations are used to frame—not forecast—how these issues connect. • Examine why the U.S. middle class is often described as shrinking and how income mobility, inflation-adjusted thresholds, and household dynamics influence that narrative. • Review how artificial intelligence is commonly discussed in relation to productivity, workforce demand, and labor market participation. • Outline general considerations around emergency savings, including income consistency, job stability, and insurance coverage. • Explain factors households often weigh when deciding whether to engage a financial professional for planning support. • Provide historical context on gold, market corrections, and why gold is sometimes referenced in diversification discussions. • Summarize why dividends are frequently included in long-term investing conversations across market cycles. • Highlight planning considerations for investment club assets, including potential capital gains implications during account or custodian transitions. • Examine variables that may influence retirement spending needs, reinforcing that planning outcomes vary by household. • Compare commonly discussed perspectives on dollar-cost averaging versus lump-sum investing during periods of market volatility. This episode focuses on education and perspective—not individualized recommendations. Listen and subscribe to the Retire Sooner Podcast for ongoing conversations that place investing and retirement topics into long-term context. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Chris and I dive deep into a question we've been getting a lot since our town hall event with Sarah Swain, Rebecca Matthews, and Elisa Kitz (which had almost 2,000 registrants!): Why are permanent tax shelters considered an asset class?   I'll be honest—this was a concept that completely confused me until about 4-5 years ago. I grew up being taught that insurance is an expense, never an investment. But understanding how certain life insurance policies can provide liquidity, tax advantages, and long-term value has been game-changing for our family—both personally and professionally. In this episode, we break down: The difference between whole life and universal life insurance Why insurance should be the foundation of your financial house (not just the pretty stuff on top) How permanent policies build cash value you can borrow from tax-free Why getting insured young matters more than you think The connection between your health records and insurance premiums This might feel like a big topic to grasp, but stick with us. We're here to help you understand what you weren't taught growing up.   Timestamps & Chapters [2:53 - 4:33] Why This Topic Matters Now Questions coming in about permanent tax shelters as an asset class How life insurance can offer protection AND build long-term value Jenn's journey from seeing insurance as an expense to understanding it as an investment [4:33 - 7:00] What Are Permanent Tax Shelters? Two types: Whole life and universal life insurance How they differ from term insurance (which is like "rent") Why these policies are structured differently for every person [7:00 - 10:20] Whole Life vs. Universal Life Whole life: Invested through the insurance company, pays dividends, safer/more conservative Universal life: Invested through markets, higher growth potential Companies we work with have been paying dividends for over 100 years [10:20 - 13:20] The Trust Factor Why people are hesitant to invest (lack of education, past bad experiences) Importance of transparency: where money goes, how returns work, paperwork to back it up Finding advisors who customize to YOUR needs, not just sell hot products [13:20 - 17:00] The Foundation Analogy Chris's building background: insurance is like the foundation of a house TFSAs, RRSPs, FHSAs are the "pretty stuff" on top If the foundation isn't solid, everything collapses when markets slip Different types of insurance: life, critical illness, disability [17:00 - 20:20] Why We Have Different Policies Individual needs vs. family goals Whole life for lending money back to yourself Universal life for stronger growth through market investments [20:20 - 23:40] Term vs. Permanent Insurance Explained Term insurance: Pay for protection for 10, 20, 30 years—when it expires, you're done (or renew at a much higher rate) Example: $75/month at age 30 becomes $500/month at age 65 Permanent insurance: Pay for a set period (often ~20 years), then you're covered for life [23:40 - 26:40] Health & Insurance Qualification Medical Insurance Bureau (MIB) has access to ALL your medical records Even minor things (like getting imaging for headaches) can flag you and increase premiums Jenn's story: Great health rating, lower premium Chris's story: One seizure from paintball at 21 flagged him for years [26:40 - 30:00] The Integrity Factor Insurance companies will test for things like nicotine in your hair if you claim to be a non-smoker Lying on applications can void your entire policy Smokers can requalify as non-smokers after 12 months nicotine-free and cut premiums in half [30:00 - 35:20] Why We're Talking About This Jenn's perspective: Health and wealth are connected Financial stress impacts health; lack of finances prevents getting health support The gap in what we weren't taught as adults, parents, business owners Teaching preparedness so people know what questions to ask [35:20 - 40:00] How Permanent Policies Build Cash Value Example: $100/month → $25 to insurance, $75 to investment Money grows tax-free inside the policy You can borrow from it with minimal or zero tax (depending on timing) Compare to RRSPs: 100% taxed at withdrawal at your marginal rate Insurance companies are great at saving from taxation; investment companies are great at making money—permanent policies combine both [40:00 - 43:00] The Self-Lending Strategy Build cash value you can borrow from tax-free or with greatly reduced tax Use for home repairs, helping kids, investments, etc. You can put in $300-500/month—insurance still only costs $25, rest goes to your investment fund [43:00 - 46:00] Inflation & Long-Term Planning Average Canadian couple needs $2.5-3 million to retire comfortably Inflation designed to be ~2.5% annually Example: Bag of milk was $2-3 twenty years ago, now $6-9, will be $20 in the future If you're only making 2.5% interest, you're just keeping up with buying power—not growing wealth Importance of reviewing statements together as a couple (even when uncomfortable)     Key Highlights & Takeaways ✅ Insurance as Foundation, Not Expense: Permanent life insurance should be viewed as the foundation of your financial house—not a bill, but an investment that protects everything else you build on top. ✅ Two Types of Permanent Policies: Whole Life: Conservative, dividend-based, great for self-lending Universal Life: Market-invested, higher growth potential ✅ Tax Advantages: Money grows tax-free inside permanent policies, and you can borrow from your cash value with minimal or zero tax (unlike RRSPs, which are 100% taxed at withdrawal). ✅ Get Insured Young: Health changes, medical records, and age all impact premiums. The younger and healthier you are when you get insured, the better your rates—and they're locked in for life. ✅ The MIB Knows Everything: The Medical Insurance Bureau has access to all your medical records. Even minor health events (like imaging for headaches) can flag you and increase premiums. ✅ Inflation is Real: The average Canadian couple will need $2.5-3 million to retire comfortably. If your money is only growing at 2.5%, you're just keeping up with inflation—not building wealth. ✅ Self-Lending Strategy: Permanent policies allow you to build a "personal bank" you can borrow from for major expenses, investments, or helping family—without traditional loan approval processes. ✅ Transparency Matters: Any advisor should be able to explain exactly where your money is going, how returns work, and provide full paperwork. If they can't, walk away. ✅ Health & Wealth Are Connected: Financial stress impacts your health, and lack of finances prevents you from getting the health support you need. They're not separate—they're intertwined.   Let's dive in! Thank you for joining us today. If you could rate, review & subscribe, it would mean the world to me! While you're at it, take a screenshot and tag me @jennpike to share on Instagram – I'll re-share that baby out to the community & once a month I'll be doing a draw from those re-shares and send the winner something special! Click here to listen: Apple Podcasts – CLICK HERESpotify – CLICK HERE Free Resources: Free Perimenopause Support Guide | jennpike.com/perimenopausesupport Free Blood Work Guide | jennpike.com/bloodworkguide The Simplicity Sessions Podcast | jennpike.com/podcast Get 20% on thewalkingpad.com using code "JENNPIKE20" Get discounts at happybumco.com using code "JENNPIKE" *code doesn't apply with Black Friday sale* Programs: Ignite: Your 8-Week Body Transformation Program | https://jennpike.com/ignite The Peri & Menopause Project  - Join the Waitlist | jennpike.com/theperimenopauseproject Synced Virtual Fitness Studio | jennpike.com/synced Services: Work With Jenn | https://jennpike.com/work-with-jenn/ Functional Testing | jennpike.com/testing-packages Business Mentorship | The Audacious Woman Mentorship:  jennpike.com/theaudaciouswoman Connect with Jenn: Instagram | @jennpike Facebook | @thesimplicityproject YouTube | Simplicity TV Website | The Simplicity Project Inc. Connect with Chris: Instagram | @chrisborsellino Finance Discovery Session | Book Here Have a question? Send it over to hello@jennpike.com and I'll do my best to share helpful insights, thoughts and advice.

0:00 - The Broncos fired their offensive coordinator Joe Lombardi...okay? What was he even doing? I thought the offense was Sean Payton's baby. Also, Sean has worked with Joe for like 15 straight seasons. Why fire him now after the Broncos reached the AFC Championship game? Strange situation all around.17:08 - For the past couple years, Von Miller has said he wants to return to Denver and play in this iron-clad Broncos defense. Should they welcome him back? Would the Vonster be a good addition?34:09 - Greg Penner addressed the media yesterday, and multiple times, he said he doesn't involve himself in the finer points of roster decisions. He leaves that to his Coach and GM, and mostly acts as a moderator during tough discussions. Compare that to guys like Jerry Jones and Terry Pagula who can't keep their ancient mouths shut. We're so lucky to have such elite ownership here in Denver.Also, Tyrann Mathieu went to extreme lengths to cleanse himself before taking a drug test in college, and he almost poisoned himself. 

In this episode of Healthy Mind, Healthy Life, host Sayan sits down with Justin Smith, creator of Cray, a dating safety app built from a deeply personal breakup and rebuild. Justin shares how a sudden, traumatic relationship collapse pushed him to question reality, spot manipulation patterns, and turn hard-earned lessons into a tool that helps others avoid the same pain. This conversation is for anyone who feels confused, drained, or unsafe in dating or long-term relationships, and wants clearer signals before things get worse. You will walk away with practical ways to compare words vs actions, understand why red flags matter, and use simple tools that support safer decisions without shame. About the Guest: Justin Smith is the creator of Cray, an app designed to help people recognize relationship red flags and manipulation patterns. Based in the U.S., he built Cray after a difficult end to an eight-year relationship. Key Takeaways: Ask: “Is this reality, or am I being pushed into a false story?” Compare words vs actions because consistency reveals truth faster than promises. Red flags matter more when you understand why they are dangerous, not just what they are. Use layered safety checks: relationship health, manipulation risk, legal history, and identity verification. If you would not accept this behavior for your child, do not normalize it for yourself. Tools reduce shame because you can seek clarity privately before asking others for advice. How to Connect With the Guest: Website: http://cray.app/  App: Search “Cray Dating Safety” on Apple App Store or Google Play. Want to be a guest on Healthy Mind, Healthy Life? DM on PM - Send me a message on PodMatch DM Me Here: https://www.podmatch.com/hostdetailpreview/avik Disclaimer: This video is for educational and informational purposes only. The views expressed are the personal opinions of the guest and do not reflect the views of the host or Healthy Mind By Avik™️. We do not intend to harm, defame, or discredit any person, organization, brand, product, country, or profession mentioned. All third-party media used remain the property of their respective owners and are used under fair use for informational purposes. By watching, you acknowledge and accept this disclaimer. Healthy Mind By Avik™️ is a global platform redefining mental health as a necessity, not a luxury. Born during the pandemic, it's become a sanctuary for healing, growth, and mindful living. Hosted by Avik Chakraborty, storyteller, survivor, and wellness advocate. With over 6000+ episodes and 200K+ global listeners, we unite voices, break stigma, and build a world where every story matters.

 Link to crown: https://amzn.to/46gS8Sy Most moms are walking around all day with a quiet (or not-so-quiet) thought running in the background: I'm a bad mom. In this episode, Sterling Jaquith gently but firmly challenges that belief. If you care about your kids… If you worry about their faith… If you're trying, learning, apologizing, showing up, and loving imperfectly… You are not a bad mom. Sterling breaks down why this thought is so common, how it hurts us, and why believing it actually makes motherhood harder—not better. You'll learn why beating yourself up doesn't make you a better mom, how your thoughts affect your energy and patience, and what changes when you begin telling yourself the truth instead. This episode is especially for Catholic moms who: Feel constant guilt or shame about their parenting Compare themselves to other moms Believe they should be "doing better" somehow Want more peace, confidence, and joy in motherhood Sterling also invites you to take this struggle to prayer and ask Jesus to show you the ways He is already proud of you. You are a good mom. And learning to believe that can change everything.

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Market volatility, global headlines, and policy uncertainty continue to shape how investors experience 2026. In this episode of the Money Matters Podcast, Wes Moss and Jeff Lloyd focus on context, not commentary, to help listeners interpret today's fast-moving financial narrative. • Frame rising investor anxiety amid market volatility and geopolitical uncertainty, highlighted by global discussions at Davos. • Contextualize geopolitical developments—including Arctic defense strategy, Greenland, Venezuela, and Middle East tensions—and their influence on markets and sentiment. • Illustrate how rapid headline shifts, from escalation risk to de-escalation, can move markets and emotions within a single trading day. • Outline how fiscal and monetary forces—policy stimulus, liquidity measures, tax dynamics, and regulatory discussions—may be shaping 2026 economic expectations. • Evaluate the role of interest rates and upcoming Federal Reserve meetings in current market narratives. • Review market drawdowns and recoveries since 2020, reinforcing long-term perspective alongside recent volatility. • Emphasize discipline and zooming out as recurring themes when navigating short-term uncertainty. • Examine artificial intelligence discussions through the lens of productivity, workforce evolution, and economic impact. • Compare assets often associated with perceived stability, including gold, utilities, energy, and companies with durable business models. • Revisit historical dividend trends and their role in income-focused investment conversations. • Explain how frequent reaction to news and emotional decision-making have historically influenced investor outcomes, referencing DALBAR research. • Note every day financial changes—such as the end of new penny minting—and their practical implications. Markets will keep changing, but perspective remains essential. Listen and subscribe to the Money Matters Podcast to follow Wes Moss and Jeff Lloyd as they provide structured, long-term context on the financial headlines shaping today's investing conversations.

Starting your first real job with a decent pay check should feel exciting but what if it mostly feels confusing, stressful and a little scary? If you've made money mistakes before, missed payments or taken on debt you didn't fully understand, you're not alone… and you're not out of options. In this episode of Everything Counts, Motheo Khoaripe sits down with Investec's Keshnie July, Lending Product Owner and Lehlogonolo Ramushu, Credit Risk Consultant, to talk about how young professionals can recover from financial missteps and start building a stronger, more intentional money future. The conversation tackles what it really takes to bounce back after defaulting, overextending yourself or ignoring those dreaded payment reminders. From understanding your credit report, to budgeting realistically, facing debt head on and asking for help when you need it, this episode breaks down the practical steps that make recovery possible. The episode also touches on separating needs from wants, avoiding impulse-driven debt, navigating “easy credit” offers and making smarter decisions before taking on new financial commitments. As the discussion shifts toward building wealth, the experts share simple, realistic strategies for saving, creating an emergency fund, paying off debt faster and laying the groundwork for long-term financial security. If you're a young professional trying to reset your money mindset, get out of debt or turn your first proper salary into something meaningful, this episode will help you move from survival mode to stability and eventually, to growth. 00:00 Introduction 01:00 Debt management: How to bounce back from money mistakes 02:00 How to build better money habits 03:47 Biggest financial mistakes that young adults make 04:50 Affordability assessment: What young professionals should ask before taking on more debt 06:19 What do you do when you run into financial problems? 08:47 Recovering from debt 10:25 Strategies for building wealth in the long term 10:50 The importance of building an emergency fund 11:20 The importance of having savings 12:10 Practical steps for young professionals starting their wealth journey 15:05 Compare savings accounts with good interest rates 15:20 Conclusion Investec Focus Radio SA

Keith challenges the usual "overpopulated vs. underpopulated" debate and shows why that's the wrong way to think about demographics—especially if you're a real estate investor. Listeners will hear about surprising global population comparisons that flip common assumptions.  Why raw population numbers don't actually explain housing shortages or rent strength. How household formation, aging, and migration really drive demand for rentals. Which kinds of markets tend to see persistent housing pressure—and why the US has a long‑term demographic edge. You'll come away seeing population headlines very differently, and with a clearer lens for spotting where future housing demand is most likely to show up. Episode Page: GetRichEducation.com/590 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, is the world overpopulated or underpopulated? Also is the United States over or underpopulated? These are not just rhetorical questions, because I'm going to answer them both. Just one of Africa's 54 nations has more births than all of Europe and Russia combined. One US state has seen their population decline for decades. This is all central to housing demand today. On get rich education   Keith Weinhold  0:36   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   Speaker 1  1:21   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  1:31   Welcome to GRE from Norfolk Virginia to Norfolk, Nebraska and across 188 nations worldwide, you are inside. Get rich education. I am the GRE founder, Best Selling Author, longtime real estate investor. You can see my written work in Forbes and the USA Today, but I'm best known as the host of this incomprehensibly slack John operation that you're listening to right now. My name is Keith Weinhold. You probably know that already, one reason that we're talking about underpopulated versus overpopulated today is that also one of my degrees is in geography and demography, essentially, is human geography, and that's why this topic is in my wheelhouse. It's just a humble bachelor's degree, by the way, if a population is not staying stable or growing, then demand for housing just must atrophy away. That's what people think, but that is not true. That's oversimplified. In some cases. It might even be totally false. You're going to see why. Now, Earth's population is at an all time high of about 8.2 billion people, and it keeps growing, and it's going to continue to keep growing, but the rate of growth is slowing now. Where could all of the people on earth fit? This is just a bit of a ridiculous abstraction in a sense, but I think it helps you visualize things. Just take this scenario, if all the humans were packed together tightly, but in a somewhat realistic way, in a standing room only way, if every person on earth stood shoulder to shoulder, that would allow about 2.7 square feet per person, they would sort of be packed like a subway car. Well, they could fit in a square, about 27 kilometers on one side, about 17 miles on each side of that square. Now, what does that mean in real places that is smaller than New York City, about half the size of Los Angeles County and roughly the footprint of Lake Tahoe? So yes, every human alive today could physically fit inside one midsize us metro area. This alone tells you something important. The world's problem is certainly not a lack of space. Rather, it's where people live and not how many there are. So that was all of Earth's inhabitants. Now, where could all Americans fit us residents using the same shoulder to shoulder assumption, and the US population by mid year this year is supposed to be about 350,000,00349 that's a square about five and a half kilometers, or 3.4 miles on each side. And some real world comparisons there are. That's about half of Manhattan, smaller than San Francisco and roughly the size of Disney World, so every American could fit into a single small city footprint. And if you're beginning to form an early clue that we are not overpopulated globally, yes, that's the sense that you Should be getting.     Keith Weinhold  5:01   now, if you're in Bangladesh, it feels overpopulated there. They've got 175 million people, and that nation is only the size of Iowa. In area, Bangladesh is low lying and typhoon prone. They get a lot of flooding, which complicates their already bad sanitation problems and a dense population like that, and that creates waterborne diseases, and it's really more of an infrastructure problem in a place like Bangladesh than it is a population problem. Then Oppositely, you've got Australia as much land as the 48 contiguous states, yet just 27 million people in Australia, and only 1/400 as many people as Bangladesh in density. Now we talk about differential population. About 80% of Americans live in the eastern half of the US. But yet, the East is not overpopulated because we have sufficient infrastructure, and I've got some more mind blowing population stats for you later, both world and us. Now, as far as is the world overpopulated or underpopulated, which is our central question, depending on who you ask and where they live, you're going to hear completely different answers. Some people are convinced that the planet is bursting at the seams. Others warn that we're headed for a population collapse. But here's the problem, that question overpopulated or underpopulated, it's the wrong question. It's the wrong framing, especially if you're into real estate, because housing demand doesn't respond to total headcount or global averages or scary demographic headlines. Housing demand responds to where people live, how old they are, and how they form households. And once you understand this, a lot of things suddenly begin to make sense, like why housing shortages persist, why rents stay high, even when affordability feels stretched, why some states struggle while others boom, and why population headlines often mislead investors.   Keith Weinhold  7:20   So today I want to reframe how you think about population and connect it directly to housing demand, both globally and right here in the United States. And let's start with the US, because that's probably where you invest.    Keith Weinhold  7:33   Here's a simple fact that should confuse people, but usually doesn't, the United States has below replacement fertility. I'll talk about fertility rates a little later. They're similar to birth rates, meaning that Americans are not having enough children to replace the population naturally and without immigration, the US population would eventually shrink, and yet in the US, we have a housing shortage, rising rents, tight vacancy and a lot of metros and persistent demand for rental housing, which could all seem contradictory. Now, if population alone determine housing demand, well, then the US really shouldn't have any housing shortage at all, but it does so clearly, population alone is not the main driver, and really that contradiction is like your first clue that most demographic conversations are just missing the point. Aging does not reduce housing demand. The way that people think a misconception really is that an aging population automatically reduces housing demand. It does not, in fact, just the opposite. If a population is too young, well, that tends to kill housing demand, and that's because five year old kids and 10 year old kids do not form their own household. Instead, what an aging population often does is change the type of housing that's demanded, like seniors aging in place, some of them downsizing. Seniors living alone. Sometimes after a spouse passes away, others relocating closer to health care or to family. So aging can increase unit demand even if population growth slows. So already, we've broken two myths here. Slower population doesn't mean weaker housing demand, and aging doesn't mean fewer housing units are needed. Now let's explain why. Really, the core idea that unlocks everything is that people don't live inside, what are called Population units. They live in households. You are one person. That does not mean that your dwelling is then one population unit. That's not how that works. You are part of a household, whether that's a house a Household of one person or five or 11 people, housing demand is driven by the number of households, the type of households and where those households are forming, not by raw population totals. So the same population can have wildly different demand. Just think about how five people living together in one home, that's one housing unit, those same five people living separately, that is five housing units, same population, five times the housing demand. And this is why population statistics alone are almost useless for real estate investors, you need to know how people are living, not just how many there are. The biggest surge in housing demand happens when people leave their parents' homes or when they finish school or when they start working, or you got big surges in housing demand when people marry or when they separate or divorce. So in other words, adults create housing demand and children don't. And this is why a country with a youngish, working age population, oh, then they can have exploding housing demand. A country with high birth rates, but low household formation can have overcrowding without profitable housing growth. So it's not about babies, it's about independent adults, and what quietly boosts housing demand, then is housing fragmentation. Yeah, fragmentation. That's a trend that really doesn't get enough attention, and that is the trend, households are fragmenting, meaning more single adults later marriage, like I was talking about in a previous episode. Recently, higher divorce rates, more people living alone and older adults living independently, longer. Each one of those trends increases housing demand without adding any population whatsoever. When two people split up, they often need two housing units instead of one, and if you've got one adult living alone, that is full unit demand right there. So that's why housing demand can rise even when population growth slows or stalls for housing demand. What matters more than births is migration. And another key distinction is that, yes, births matter, but they're on somewhat of this 20 year delay and migration matters immediately, right now. So see, when a working age adult moves, they need housing right away. They typically rent first. They cluster near jobs, and they don't bring housing supply along with them. They've got to get it from someone else. Hopefully you in your rental unit.    Keith Weinhold  12:57   This is why migration is such a powerful force in rental markets, and you see me talk about migration on the show, and you see me send you migration maps in our newsletter. It's also why housing pressure shows up unevenly. It gets concentrated around opportunity. If you want to know the future, look at renters. Renters are the leading indicator, not homeowners and not birth rates. See renters create housing demand faster than homeowners, because renters form households earlier. They can do it quickly because they don't need down payments. Renters move more frequently and immigration overwhelmingly starts in rentals, fresh immigrants rarely become homeowners, so even when mortgage rates rise or home purchases slow or affordability headlines get scary, rental demand can stay strong. It's not a mystery, it's demographics. So births surely matter, but only over the long term. It's like how I've shared with you in a previous episode that the US had a lot of births between 1990 and 2010 those two decades, a surge of births more than 4 million every single one of those years during those two decades, with that peak birth year at 2007 but see a bunch of babies being born in 2007 Well, that didn't make housing demand surge, since infants don't buy homes. But if you add, say, 20 years to 2007 when those people start renting, oh, well, that rental demand peaks in 2027 or maybe a little after that, and since the first time, homebuyer age is now 40. If that stays constant, well, then native born homebuyer demand won't peak until 2047 so when it comes to housing demand, the important thing to remember is migration has an immediate effect and births have a delayed effect.    Keith Weinhold  15:02   and I'm going to talk more about other nations shortly, but the US has two major migration forces working simultaneously, domestic and international migration. I mean, Americans move a lot, although not as much as they used to, and people move for jobs, for taxes, for weather, for cost of living and for lifestyle. So this creates state level winners and losers, and Metro level housing pressure and rent growth in those destination markets and national population averages totally hide this. So that's domestic migration. And then on the international migration. The US has a long history, hundreds of years now on, just continually attracting working age adults from around the world. This matters immensely, because they arrive ready to work, and they form households quickly. They overwhelmingly rent first. They concentrate in metros, and this props up rental demand before it ever shows up in home prices. And this is why investors often feel the rent pressure first those rising rents.    Keith Weinhold  16:17   I've got more straight ahead, including Nigeria versus Europe, and what about the overpopulation straining the environment? If you like, episodes that explain why housing behaves the way it does, rather than just reacting to the headlines. You'll want to be on my free weekly newsletter. I break down demographics, housing, demand, inflation, investor trends and real estate strategy in plain English, often complemented with maps. You can join free at greletter.com that's gre letter.com   Keith Weinhold  16:53   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's midsouthhomebuyers.com   Keith Weinhold  17:54   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 1-937-795-8989Yep. Text their freedom coach directly again. 1937795, 1-937-795-8989,   Keith Weinhold  19:05   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Chris Martenson  19:37   this is peak prosperity. Is Chris Martinson. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  19:53   Welcome back to get rich Education. I'm your host, Keith Weinhold, and this is episode 590 yes, we're in my Geography wheelhouse today, as I'm talking human geography and demographics with how it relates to housing, while answering our central question today is the world and the US overpopulated or underpopulated? And now that we understand some mechanics here, let's go global. Here's one of the most mind bending stats in all of demographics. Are you ready for this? When you hear this, it's going to have you hitting up chat, GPT, looking it up. It's going to be so astonishing. So jaw dropping. Every year, Nigeria has more births than all of Europe plus all of Russia combined. Would you talk about Willis?   Keith Weinhold  20:47   Yeah, yes, you heard that, right? Willis, that's what I'm talking about. Willis. The source of that data is, in fact, from the United Nations. Yes, Nigeria has seven and a half million births every year. Compare that to all of Europe plus Russia combined, they only have about 6.3 million births per year. So you're telling me that today, just one West African nation, and there are 54 nations in Africa. Just one West African nation produces more babies than the entire continent of Europe, with all of its nations plus all of Russia, the largest world nation by area. Yes, that is correct. One country in Africa produces more babies every year than France, Germany, Italy, Spain, the UK, all of Europe, including all the Eastern European nations, and all of Russia combined. This is a demographic reality, and now you probably already know that less developed nations, like Nigeria have higher birth rates than wealthier, more developed ones like France or Switzerland. I mean, that's almost common knowledge, but something that people think about less is that poorer nations also have a larger household size, which sort of makes sense when you think about it. In fact, Nigeria has five persons per household. Spain has two and a half, and the US also has that same level two and a half. That one difference alone explains why population growth and housing demand are completely different stories now, the US had 3.3 people per household in 1950 and it's down to that two and a half today. That means that even if the population stayed the same, the housing demand would rise. And this is evidence of what I talked about before the break, that households are fragmenting within the US. You can probably guess which state has the largest household size due to their Mormon population. It's Utah at 3.1 the smallest is Maine at 2.3 they have an older population. In fact, Maine has America's oldest population. And as you can infer with what you've learned now, the fact that they have just 2.3 people per household means that if their populations were the same. Maine would need more housing units than Utah. By the way, if you're listening closely at times, I have referred to the United States as simply America. Yes, I am American. You are going to run into some people out there that don't like it. When US residents call themselves Americans, they say something like, Hey, you need a geography lesson. America runs from Nunavut all the way down to Argentina. Here's what to tell them. No, look, there are about 200 world nations. There is only one that has the word America in it, that is the United States of America that usually makes them lighten up. That is why I am an American, not a Peruvian or Bolivian, and there's no xenophobic connotation whatsoever. There are more productive things to think about moving on. Why births matter is because births today become future workers, renters, consumers and even migrants. But not evenly. Young populations move toward a few things. They're attracted to capital. They move towards stability. They're attracted to opportunity, and young populations move toward infrastructure. That's not ideology, that's the gravity and the US remains one of the strongest gravity wells on Earth, a big magnet, a big attractant. Now it's sort of interesting. I know a few a People that believe that the world is indeed overpopulated, they often tend to be environmental enthusiasts, and the environment is a concern, for sure, but how big of a concern is it? That's the debatable part. And you know, it's funny, I've run into the same people that think that the world is overpopulated, they seem to lament at school closures. You see more school closures because just there weren't as many children that were born after the global financial crisis. And these people that are afraid we have an overpopulation problem call school closures a sad phenomenon. They think it's sad. Well, if you want a shrinking population, then you're going to see a lot more than just schools close so many with environmental concerns, though. The thing is, is that they seem to discount the fact that humans innovate. More than 200 years ago, Thomas Malthus, he famously failed. He wrote a book, thinking that the global population would exceed what he called his carrying capacity, meaning that we wouldn't be able to feed everybody. He posited that, look, this is a problem. Populations grow exponentially, but food production only grows linearly. But he was wrong, because, due to agricultural innovation, we have got too many calories in most places. Few people thought this many humans could live in the United States, Sonoran and Mojave deserts, that's Phoenix in Las Vegas, respectively. But our ability to recycle and purify water allows millions of people to live there. So my point about running out of resources is that history shows us that humans are a resource ourselves, and we keep finding ways to innovate, or keep finding ways to actually not need that rare earth element or whatever it is now, if the earth warms too much from human related activity, can we cool it off again? And how much of a problem is this? I am not sure, and that goes beyond the scope of our show. But the broader point here is that history shows us that humans keep figuring things out, and that is somewhat of an answer to those questions. The world is not overpopulated, it is unevenly populated. Some regions are young, others are growing, others are capital constrained, and then other regions are aging, shrinking and capital rich. And that very imbalance right there is what fuels migration and fuels labor flows and fuels housing demand in destination countries and the US benefits from this imbalance. Unlike almost anywhere else in the world, it's a demographic magnet. Yes, you do have some smaller ones out there, like Dubai, for example.    Keith Weinhold  28:04   But why? Why do we keep attracting immigrants? Well, we've got strong labor markets, capital availability, property rights, economic mobility, and US has existing housing stock. Countries today don't just compete for capital, they're competing for people. In the US keeps attracting working age adults, and that is exactly the demographic that creates housing demand, and this is why long term housing demand in the US is more resilient than a lot of people think. In fact, the US population of about 350 million. This year, it's projected to peak at about 370 million, near 2080 and of course, the big factor that makes that pivot is that level of immigration. So that's why the population projections vary now. The last presidential administration allowed for a lot of immigrants. The current one few immigrants, and the next one, nobody knows. You've got a group called the falconist party that calls for increased legal immigration into the US. Yeah, they want to allow more migrants into the country, but yet they want to enforce illegal immigration. That sounds just like it's spelled, F, A, L, C, O, N, i, s, t, the falconist Party, but the us's magnetic effect to keep driving population growth through immigration is key, because you might already know that 2.1 is the magic number you need a fertility rate of at least 2.1 to maintain a population fertility rate that is the average number of children that a woman is expected to have over her lifetime. And be sure you don't confuse these numbers with the earlier numbers of people per. Per household, like I discussed earlier, although higher fertility rates are usually going to lead to more people per household, India's fertility rate is already down to 2.0 Yes, it is the most populated nation in the world, but since women, on average, only have two children, India is already below replacement fertility. The US and Australia are each at 1.6 Japan is just 1.2 China's is down to 1.0 South Korea's is at an incredibly low seven tenths of one, so 0.7 in South Korea, and then Nigeria's is still more than four. So among all those that I mentioned, only Nigeria is above the replacement rate of 2.1 and most of the nations above that rate are in Africa. Israel is a big outlier at 2.9 you've got others in the Middle East and South Asia that are above replacement rate as well. And when I say things like it's still up there, that whole still thing refers to the fact that there is this tendency worldwide for society to urbanize and have fewer children. For those fertility rates to keep falling. And that's why the future population growth is about which nations attract immigrants, and that is the US. Is huge advantage. Now there's a great way to look at where future births are going to come from. A way to do this is consider your chance of being born on each continent in the year 2100 This is interesting. In the year 2100 a person has a 48% chance of being born in Africa, 38% in South Asia, in the Middle East, 5% South America, 5% in Europe or Russia, 4% in North America, and less than 1% in Australia. Those are the chances of you being born on each of those continents in the year 2100 and that sourced by the UN.   Keith Weinhold  32:09   the world population is, as I said earlier, about 8.2 billion, and it's actually expected to peak around the same time that the US population is in the 2080s and that'll be near 10 point 3 billion. All right, so both the world and the US population should rise for another 50 to 60 years. Let's talk about population winners and losers inside the US. I mean, this is where population conversations really become useful for investors, because population doesn't matter nationally that much. It really matters locally, unevenly and sometimes it almost feels unfairly. So let me give you some perspective shifting stats. I think I shared with you when I discussed new New York City Mayor Zoran Manami here on the show a month or two ago, that the New York City Metro Area has over 20 million people, nearly double the combined population of Arizona and Nevada together, yes, just one metro area, the same as Two entire sparsely populated states. So when someone says people are leaving New York I mean that tells you almost nothing, unless you know where they're going. How many are still arriving in New York City to replace those leaving, and how many households are still forming inside that Metro? The household formation so scale matters, however, net, people are not leaving New York. New York City recently had more in migration than any other US Metro. Some states are practically empty. Alaska or take Wyoming. Wyoming has fewer than 600,000 people in the entire state. That's fewer people than a lot of single US cities. That's only about six people per square mile. In Wyoming, that's about the population of one midsize Metro suburb. Now, when someone says the US has plenty of land in a lot of cases, they're right. I mean, just look out the window when you fly over Wyoming or the Dakotas. But people don't really live where land is cheap. They actually don't want to. Most of the time. They live where jobs, incomes and their networks already exist. You know, the wealthy guy that retires to Wyoming and it has a 200 acre ranch is an outlier. There's a reason he can sprawl out and make it 200 acres. There's virtually nobody there. Let's understand too that population loss, that doesn't mean that demand is gone, but it does change the rules, especially when you think about a place like West Virginia. They have lost population in most decades since the 1950s and incredibly, their population is lower today than it was in 1930 we're talking about West Virginia statewide. They have an aging population. West Virginia has an outmigration of young adults. So this doesn't mean that no real estate works in West Virginia, but it means that appreciation stories are fragile. Income matters more than equity. Growth and demographics are a headwind, not a tailwind. That's a very different investment posture than where you usually want to be. It's important to understand that a handful of metros, just a handful, are absorbing massive national growth. And here's something that a lot of investors underestimate. About half of all US, population growth flows into fewer than 15 metro areas, and it's not just New York City, Houston, Miami, but smaller places like Jacksonville, Austin and Raleigh, and that really helps pump their real estate market. So that means demand concentrates, housing pressure intensifies, and rent growth becomes pretty sticky, unless you wildly overbuild for a short period of time like Austin did, and this is why some metros just feel perpetually tight over the long term, and others feel permanently sluggish. Population does not spread evenly. It piles up. In fact, Texas is a great case in point here. Understand that Texas is adding people faster than some entire nations do. Texas alone adds hundreds of 1000s of residents per year in strong cycles. Some years, they do add more people than entire small countries, more than several Midwest states combined. And of course, they don't spread evenly across Texas. They cluster in DFW, Houston, Austin and San Antonio, so pretty much the Texas triangle, and that clustering fact is everything for housing demand, yet at the same time, there are fully 75 Texas counties that are losing population, typically out in West Texas. Then there's Florida. Florida isn't just growing. It's replacing people. Florida's growth. It's not just net positive, it's replacement migration, and it's across all different types and ages. You've got retirees arriving, you've got young workers arriving, you've got young households forming, and you've got seniors aging in place. So this way, among a whole spectrum of ages, you've got demand for rentals, workforce housing, age specific, housing and multifamily all in Florida, and this is why Florida housing demand over the long term is not going to cool off the way that a few skeptics expect. Now, of course, some areas did temporarily overbuild in Florida in the years following the pandemic. Yes, that's led to some temporary Florida home price attrition, but that is going to be absorbed. California did not empty out. It reshuffled now. There were some recent years where California lost net population, but here's what that hides. Some metros lost residents. Others stayed flat. You had some income brackets that left California and others arrived. In fact, California has slight population growth today overall, so housing demand definitely did not vanish. It shifted within the state and then outward to nearby states, and that's how Arizona, Nevada and Texas benefited. But overall, California's population count, really, it's just pretty steady, not declining.   Keith Weinhold  39:05   population density. It's that density that predicts rent pressure better than growth rates. Do something really important for real estate investors. Dense metros absorb shocks better. They have less elastic housing supply, and they see faster rent rebounds. Sparse areas have cheaper land and easier supply expansion and weaker rent resilience. So that's why rents snap back faster in dense metros, and oversupply hurts more in spread out to regions. Density matters more than raw growth does. Shrinking states can still have tight housing I mean, some states lose population overall, but yet they still have housing shortages in certain metros, and you'll have tight rental markets near job centers, and you've got strong demand In limited sub markets, even if the state is shrinking. And I think you know this is why the slower growing Northeast and Midwest, they've had the highest home price appreciation in the past two years. There's not enough building there. If your population falls 1% but the available housing falls 2% well, you can totally get into a housing shortage situation, and that bids up real estate prices. And when people look at population charts on the state level, a lot of times, they still get misled. When you buy an investment property, you don't buy a state, you buy a specific market within it, so the United States is not full it is lopsided. The US is not overpopulated. It is heavily clustered. It's unevenly dense, and it's really driven by migration. And perhaps a better way to say it is that the US population is really opportunity concentrated housing demand follows jobs, networks, wages and migration flows. It sure does not follow empty land. And really the investor takeaway is, is that when you hear population stats, don't put too much weight on the question, is the population rising or falling? Although that's something you certainly want to know. Some better questions to ask are, where are households forming? Where are adults moving? Where is supply constrained? And where does income support, rent like those are, what four big questions there, because population alone does not create housing demand. It's households under constraint that do so. Our big arching overall question is the world overpopulated or underpopulated? The answer is neither. The world is unevenly populated. It's unevenly aged, and it's unevenly governed. And for real estate investors, the lesson is simple. You don't invest in population counts, you invest in household formation, age structure, migration and supply constraints. Really, that's a big learning summary for you, that's why housing demand can stay strong even when population growth slows. And once you understand that demographic headlines that seem scary aren't as scary, and they start to be more useful. Why I've wanted to do this overpopulated versus underpopulated episode for you for years. I've really thought about it for years. I really hope that you got something useful out of it. Let's be mindful of the context too. When it comes to the classic Adam Smith economics of supply demand, I've only discussed one side today, largely just the demand side and not the supply side so much that would involve a discussion about building and some more things that supply side. Now that I've helped you ask a better question about population and the future of housing demand, you might wonder where you can get better answers. Well, like I mentioned earlier, I provide a lot of that and help you make sense of it, both right here on this show and with my newsletter, geography is something that's more conducive and meaningful to you visually, that's often done with a map, and that's why my letter at greletter.com will help you more if you enjoy learning through maps, just like we've done every year since 2014 I've got 52 great episodes coming to you this year. If you haven't consider subscribing to the show until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  43:57   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 you   Keith Weinhold  44:25   The preceding program was brought to you by your home for wealth, building, get richeducation.com

Max and David talk war stories about working on “The SIngle Guy” including Ernest Borgnine, playing poker, NBC screwing Jay over, Buz Kohan, David Bowie, The Garth Brooks Joke, Max telling the show runner stuff he shouldn't, having your partner being yelled at, the love of Jim Burrows, lunch of Walter's, setting up boundaries, Will & Grace, Mid Century Modern, early success, why they never hired Jay Kogen, feeling like a fraud and then feeling like you know stuff, rebooting Will & Grace, being best friends, their daughters are best friends, and David gives advice on being a twin and showing little kids “Stage Coach.”  Bio: David Kohan and Max Mutchnick are the creators and executive producers of "MidCentury Modern", and are perhaps best known for the 16-time Emmy Award-winning comedy series “Will & Grace,” which ended its 11-season run on NBC in April 2020. The trailblazing series is still praised for its significant social impact and groundbreaking representation of queer characters. High school friends Mutchnick and Kohan started their entertainment careers almost 25 years ago as writers for “Dream On”, “The Dennis Miller Show”, and “The Wonder Years”. Mutchnick graduated from Emerson College and currently serves on its Board of Trustees. Kohan is a proud alumnus of Wesleyan University, where he majored in English and philosophy. Mutchnick is married to entertainment lawyer Erik Hyman. They live in Beverly Hills with their twin daughters, Evan and Rose, named for the couple's maternal grandmothers. Kohan is also co-creator and producer of daughters Olivia and Nora. He currently lives in Los Angeles with Nora and his wife, Blair, a board member and motion picture agent at UTA. Learn more about your ad choices. Visit megaphone.fm/adchoices

Someone is greater than 7 times more likely to die with a local law enforcement operation in comparison to an ICE/Border Patrol operation 

A review of Norwegian Getaway in 2026. Plus staff writer Richard Simms has cruise news.  Sponsor Cruise line protection is designed to help if you can't take your cruise. Third-party travel insurance helps protect you during the trip. Including medical care, delays, and unexpected issues. Compare plans and save up to 30% at TripInsurance.com. About Cruise Radio: Cruise Radio has been delivering cruise news, ship reviews, and money-saving tips weekly since 2009.

Gain clear, educational context on today's investing and retirement planning topics with the Retire Sooner Podcast, hosted by Wes Moss and Christa DiBiase. This episode places market trends, investor behavior, and retirement account considerations into long-term perspective using historical data and widely referenced research. In this episode, you'll hear discussions that: • Define the differences between small-cap, mid-cap, and large-cap stocks and explain how market-capitalization classifications are commonly discussed in retirement planning. • Examine why individual investors have historically experienced returns that differ from market benchmarks, referencing behavioral research frequently cited by DALBAR. • Compare recent performance trends between the S&P 500 and small-cap indexes while reinforcing that market leadership shifts across cycles. • Explain how trillion-dollar companies have reshaped modern definitions of large-cap and mega-cap stocks. • Review the types of investment options typically available in employer-sponsored retirement plans and discuss why chasing recent performance is often identified as a behavioral risk. • Discuss why small-cap equities remain part of long-term market history conversations while acknowledging higher volatility and variability. • Compare Roth IRAs and Health Savings Accounts (HSAs) by outlining differences in tax treatment, eligibility, and planning considerations. • Explain how dividend-focused ETFs are commonly referenced in retirement income discussions and the historical role of dividends in total return. • Reinforce the importance of diversification and disciplined decision-making by addressing behavioral tendencies such as fear of missing out, or FOMO. • Address listener questions on market timing, lump-sum investing, Roth versus traditional 401(k) contributions, and Roth IRAs for younger earners using educational frameworks rather than personalized guidance. Listen to the Retire Sooner Podcast on Apple Podcasts, Spotify, YouTube, or your favorite podcast platform—and subscribe to stay connected to conversations designed to provide context, discipline, and long-term perspective on retirement and investing. Learn more about your ad choices. Visit megaphone.fm/adchoices

When you compare the paths that Mike Vrabel took in his first year in Tennessee versus now in New England, the team that Vrabel lost to in Kansas City compares more to the Patriots than the Titans.

You built an agency you’re proud of. So why does your website still feature that glowing tribute to someone you wouldn’t recommend today, or explain services you stopped offering three years ago? In this episode, Chip and Gini tackle the unsexy but critical task of auditing your agency’s website content. They share practical approaches for identifying what needs updating, what deserves deletion, and how to prioritize your efforts when you’re staring down hundreds (or thousands) of outdated pages. The conversation covers everything from quick wins—like updating your homepage and key pages—to strategic decisions about high-traffic content that no longer serves your business. Gini shares her process for using tools like Screaming Frog to audit content systematically, while Chip emphasizes the importance of focusing on human users rather than chasing every algorithm change. They also dive into the balance between refreshing old content and creating new material, with specific guidance on when each approach makes sense. The episode wraps with a reminder that consistency matters more than perfection—especially when AI is increasingly using your bio and content to determine whether to recommend you. If your website is starting to feel like a liability rather than an asset, this episode offers a manageable roadmap to get it back on track without turning it into a year-long project. Key takeaways Chip Griffin: “First and foremost, focus on the end user’s experience. And only after that, think about, okay, are there tweaks or additions I could make in order to help the search engines or the AI spiders or that kind of thing?” Gini Dietrich: “I would rather have accurate numbers so I know exactly what my pipeline looks like, my lead generation looks like, what my lead nurturing looks like, and be able to work it backwards.” Chip Griffin: “If you’re getting a lot of traffic to a page that either is not as relevant as it should be or not as accurate as it should be given the way the world has changed, you know, those are ones that you want to address.” Gini Dietrich: “AI notices inconsistencies. So if you are inconsistent across different websites, social media, all the places that you are online, you are not going to show up in AI answers no matter how good your content is.” Turn ideas into action Audit your homepage today. Open your website and read your homepage copy with fresh eyes—does it accurately reflect who you serve, what you do, and where your agency stands today? If not, block two hours this week to rewrite it. This is your most important page and the fastest way to stop misrepresenting your business. Check Google Analytics for your top 20 pages. Identify which pages drive the most traffic, then ask yourself if each one still serves your business or if you’re just attracting irrelevant visitors. Kill off pages that generate traffic but don’t support your current positioning—inflated vanity metrics aren’t worth the confusion. Ensure bio consistency across platforms. Compare your bio on your website, LinkedIn, and other platforms where you appear. Make them consistent (accounting for character limits) so AI can confidently present you as an option when people search for expertise in your area. Related Real talk about agency websites How to think about your agency's website View Transcript The following is a computer-generated transcript. Please listen to the audio to confirm accuracy. Chip Griffin: Hello and welcome to the Agency Leadership Podcast. I’m Chip Griffin. Gini Dietrich: And I’m Gini Dietrich. Chip Griffin: And Gini, I’m old. Gini Dietrich: Yes, you are. Chip Griffin: But you know what else is old? Gini Dietrich: What else? Chip Griffin: Some of the content on my website. Gini Dietrich: Yeah, sure. Mine too. Yeah. Chip Griffin: It’s, it’s one of the perils of having been around for a while. Gini Dietrich: Yes, indeed. Chip Griffin: Both as a human, as a business. And so we have a lot of content out there on the website that maybe isn’t as current as we’d like it to be. Some of it I haven’t looked at in many years, so I don’t even know if it’s up to date or not. Gini Dietrich: Sure. Chip Griffin: I’m sure that many of our listeners have content on their website or maybe entire websites that are old and out of date. Gini Dietrich: Yes. Chip Griffin: So my question to you is, how should we be thinking about this kind of, how do we deal with this problem? Or we, we can’t just spend, I mean, I, I don’t know about you, but my website’s got over a thousand different pieces of content on it. Oh yeah. Now I think most of our listeners probably don’t have websites with quite that much content on it, but some do, and even if you’ve only got a couple hundred, you know, that’s still a substantial body of content that you need to audit in some fashion. So what, what do you do about that? Gini Dietrich: You know, it’s funny, this conversation is happening right now because about a week ago, right after the holidays, I got an email from a friend that said, Hey, uh, I don’t know if you know this or not, but you have a blog post from, from 13 years ago, literally 13 years ago, praising Elon Musk. And I was like, well, let’s delete that! But like, I don’t know how she found that. She must have been searching on the site for something and found it. Right. So I think it’s important to do an audit and I did delete it. I moved it to the trash. But, I think it is important to do an audit. We have a client that said to us, we don’t think we need new content. We have plenty. And we went in and we’re like, okay, great. Let’s do an audit and see. And we audited it and they do have plenty of content, but the most recent is two and a half years old. So one of the things that we’re working on with them right now, well, twofold. One is going through the audit that we did to see what needs to stay with an update, a refresh, and what should be deleted. There are lots of, there’s lot, there’s lots of content on their site. And actually this will appeal to many of you listeners too. There’s content on their website that has some great SEO value. You know, showing up first in Google results and things like that. So you don’t wanna get rid of that content, but it probably needs a good update. It probably needs to be refreshed. It probably needs new quotes, new experts, new expertise, new statistics, whatever it happens to be. So that’s what I would do. It’s pretty easy. We use, Screaming Frog to do the audit, so it’ll, it will look at your entire website and then give you an Excel list of all of your links, and then you can go and you can tell it I want dates and topic and all that kind of stuff. And you can go through that fairly easily to say, this is old, we don’t need that. Move that to a different tab. This is good stuff. We don’t wanna lose it. And then I would compare that to what you’re keep, I would compare what you’re keeping to do a Google search. Are you show, are those links showing up in Google? And I would also ask AI. Are you showing, is AI showing that content in its answers. So you probably, I would venture to guess, like you and me, we, it would be a really big undertaking ’cause we have years and years of content. But for most agency owners, I would guess it’s probably a, I dunno… And you can use AI to help you, but it’s probably a two or three hour thing that you can split up over several weeks, right? To get it done. But 100% you should be, you should have an up update up to date website overall, and you should be updating content so that it’s refreshed, not necessarily the URL, but updating the content inside the article or the blog post or the page or whatever it happens to be. Chip Griffin: Yeah. And I, I think the advice to sort of just kind of, you know, go through a list of it is a really good starting point. Whether you use some third party tool, or frankly, if your website isn’t too huge, if you just go into WordPress and start scrolling back through the pages and posts. Mm-hmm. And just looking at the headlines, it at least, you know, things that are obviously in need of help will jump out at you. Yeah. Or you know, that you praise somebody that doesn’t make sense or whatever. And, and we have to keep in mind that, that sometimes that old content might be a year old, it might be 10 years old, right? It might still need some sort of an updating. The other thing that’s, that’s often helpful is just to go into, you know, something simple like your Google Analytics and just look at, you know, the top 20, 30, 40 pages in terms of traffic and just ask, are all of these pages the way I still want to present myself in whatever the current year is that you’re listening to us? Because, you know, that can be a really helpful way of prioritizing what you wanna address, what you wanna update. And particularly if you’re getting a lot of traffic to a page that either is not as relevant as it should be or not as accurate as it should be given the, the way the world has changed. You know, those are ones that you want to address. I, to me, one of the interesting cases is, you know what, and I’ve seen this a lot, and I, some of the organizations I’ve worked with have had this issue where you’ve got a page that gets a ton of traffic, but it’s frankly totally irrelevant to what they do today. Right. It’s still, it’s still an accurate bit of content, which is why it keeps getting traffic, you know, because it’s answering whatever question the searcher may have had, but it doesn’t really benefit the organization other than it does produce a fair amount of inbound traffic. So, to me, those are interesting cases. Trying to figure out what you do with those. And, if you talk to different SEO experts, you sometimes hear different bits of advice on this, right? Because some are like, well, you know, you, you’re still getting people clicking over to your site, and that’s a good signal for the search engines, so that’s good. The problem is if the signal is that you’re relevant for something that you really aren’t relevant for. Right. So, doesn’t really help you. My general inclination is if it’s completely irrelevant to what you do today, I would kill it off and sacrifice the traffic. But that’s, that’s my perspective on that. No, I totally agree with that. Either way you should make a conscious decision about it. Gini Dietrich: I totally agree with that because I think you’re right. If it’s not some, if it’s irrelevant, if you’re bringing irrelevant traffic to your website, your numbers are inflated. So I would rather have accurate numbers so I know exactly what my pipeline looks like, my lead generation looks like, what my lead nurturing looks like, and be able to work it backwards. Right. So I completely agree with you and like I said, I killed that article from 13 years ago. Because that’s not how I feel about that man anymore. So, yeah. At all. Chip Griffin: Yeah. Well, for, for many years on my personal blog, the highest trafficked post was one, was sort of a throwaway post I did on a camera backpack, that I got like 20 years ago. And it just, it scored, it turned out it was a popular model of the backpack, and so it got a ton of traffic from people who were considering buying it. Obviously that didn’t help me at all. Gini Dietrich: Not at all. Right. Chip Griffin: Because that, I mean, you know, I didn’t pitch camera backpacks or anything like that, you know, I didn’t sell ’em, I didn’t even have an affiliate link in or anything like that. So what, you know, what was the value of it? Pretty much nothing. You know, it felt nice to see all the spikes in traffic that it generated. Sure. Of course. But yeah. But it wasn’t particularly useful, so, and those are the kinds of things that, that many of us may, you know, maybe we just had a comment on our blog about some story of the day. And it just took off and for whatever reason still sticks around. But it’s not really what our agency is about, so doesn’t really help. Gini Dietrich: Yeah. I would really look at, I mean, some of your ideas, especially if you don’t have a ton of content like we do going, just going through WordPress and looking to see. I would start with the content on your website specifically, what’s on your homepage? Does it represent who you are and what you stand for today? Does it accurately reflect where you are today? I would venture to guess the answer for most of us is no. I would start there at least with the homepage and your top three or four pages, so probably your services page, probably your about us page. Maybe a resources page, depending on, again, look at your Google Analytics. Then once you’ve done that, then I would definitely go through WordPress and go through any content that you have, podcasts, recordings, videos, blog posts, whatever it happens to be. Go through all of those and then divide and conquer and say, yeah, we’re gonna have to update these. It may take me all year, but I’m gonna do one a week and I’m gonna update one a week. And it suddenly, you’re taking small bites of the elephant and you can get it done by year’s end. Chip Griffin: I love your advice to look at the homepage and other key pages before worrying about, you know, old blog posts and that kind of thing, because many, many agencies neglect their websites. Until they decide all of a sudden, this is how I’m gonna get new business. And so then they over invest in time and money Yes. In their websites. Yes. So it, it, it does seem to be a story of extremes most of the time, but, but looking at that homepage of your website and making sure that it accurately reflects the business that you are: who you serve, what you do, and that it is very crystal clear about those things on your homepage. Very first step. Do not pass go. Do not do anything else. Just get that done first. Then I would say, look at the about page and make sure that it accurately reflects who you and your team are. Make sure that the right people are there. Make sure that your bio is accurate and up to date. Make sure that your photo is up to date and have a photo, by the way, because people like to deal with other people. Yep. And as someone who does professional headshots for people on the side, I gotta tell you, you gotta have something that’s within the last five years at least. I mean, if I put up a photo on the website of me with hair, that’s just, that’s not, that doesn’t make any sense. And yet I see plenty of people, Gini Dietrich: no, Chip Griffin: who have photos on their websites. And then I meet them and I’m like, this is not even in the ballpark. Gini Dietrich: Yeah, you’re right. The other thing I will say to that, and this is incredibly important, is that AI notices inconsistencies. So if you are inconsistent across different, the websites, social media, all the places that you are online, you are not going to show up in AI answers no matter how good your content is. So when you’re doing that audit, I would also audit your bio. Your bio that’s on the website compared to what it’s on LinkedIn compared to what it is on all the other social media platforms. If you have YouTube or a podcast platform, compare it to there. If you have a newsletter, compare it to there. Like ensure that it is the exact same bio, not, not, little changes based on the platform. I mean, you’ll have to make it smaller for Twitter than you would for LinkedIn, right? But it has to be consistent because if it’s not, AI gets confused and doesn’t know what to do, and so it just doesn’t present you as an option. So as you’re doing that audit, I would ensure that the bio, your own bio and then the bios of your key leadership or key team members are consistent across every platform on the internet, because that’s incredibly important with AI today. Chip Griffin: Yes. At the same time, what I would say to you is AI and SEO are very important. More important are the humans who actually visit your website. Gini Dietrich: Yes. Chip Griffin: And so there’s lots of advice out there, including what we’re talking about here that will help you from an AI and SEO standpoint. However, it should never, ever, ever be at the expense of the actual user’s experience. Gini Dietrich: No, never. Right. Chip Griffin: And increasingly, I’m seeing websites that are being tailored for how they think that AI will be reading and indexing their sites. And so, for example, they shift almost entirely to a Q&A format because AI, generally speaking, loves the Q&A format in order to stock the answers that it gives to people. However, that’s not always the best user experience. Sometimes you need to present things in more of a compelling story like way. And trust me, the AI will figure it out. It may not be as great at it today. It may prefer the Q, but it’s going to improve over time. And it’s the same thing as for years, people would chase the latest algorithm change at Google. And that’s fantastic until they change it in three months or six months. Right. And so what are you gonna do? Just keep updating your website? Well, if you’re an SEO agency, you love that, right? Because. You know, you can just tell the clients, well, you know the latest version, now you gotta do this. So you remember all that work we did in January? It’s June now. I’ll do it again. We’re gonna redo all of that for you, right? I mean, it’s a great full employment act for SEO experts. However, it is not generally a good user experience, nor frankly, a particularly good use of resources. So first and foremost, focus on the end user’s experience. And only after that, think about, okay. Are there tweaks or additions I could make in order to help the search engines or the AI spiders or that kind of thing? Gini Dietrich: Yeah, I think the point you make about how Google updated updates it algorithm like real often and that you are trying to keep up is, is ludicrous, but it’s something that we’ve always been aware of and I think the strategy has not changed. If you always write, produce, not just write, but create content that’s compelling to a human. The algorithms and the AI are going to love it so that doesn’t matter. Are there things you can do to help it and AI find you? Sure you can do Q&A’s, you can do the, but that we do that stuff and this is gonna get techy, but we do that stuff on no follow sites, so it doesn’t show up in Google. It doesn’t show up in our navigation. It’s only there for the AI bots, right? So there are things that you could do for sure. But if you always put the human beings first, it’s going to work no matter what happens with AI, and no matter what happens with the algorithms. Google came out, gosh, several years ago now, and said, if you’re focused on expertise, experience, authority, and trust, those are the, those are how we’re using, that’s how we’re floating stuff to the top. So I think that’s really good advice because that is always going to A, make your content different, and B, make it valuable to humans. So if you’re always demonstrating your expertise that nobody else has and your experience that nobody else has, that will build authority and trust in both places. Chip Griffin: Well, I mean, the irony is that all of the experts will help you to chase the algorithms and the technology, but the reality is that all of the search engines and all of the AI engines, they’re all chasing the user. All they’re trying to do is try to deliver what a real person wants. Gini Dietrich: Yep. Chip Griffin: And so it’s ironic that, that we set them aside, the humans aside to chase the technology when the technology is chasing the people. So it’s kind of a weird circle and I’ve consistently maintained for 20 plus years. If you focus on the user, you’ll get to the right place. You may not be there today. And, and it, it’s gonna ebb and flow over time as algorithms and technology changes. But chase the user because that’s how you sell your business. That’s how you find new clients and that’s how you keep people happy. Gini Dietrich: Yeah, absolutely. I think that’s, yes. Focus on the humans first. That’s always been the advice. That strategy has not changed. The tools change, the tactics change, the execution changes, but the strategy remains the same. Chip Griffin: So let’s say, you know, you’re, you’ve gone through this audit on your website. You’ve chucked out the things like the praise of Elon Musk that you don’t want on there anymore. You’ve gotten rid of the content that’s no longer relevant to the business that you are today. So now you’re left with some things that you could update, you know, maybe you could strengthen them. They’re not obviously wrong. They’re still pretty good. How do you decide where you want to invest your energy as far as which of these do you update? Which of those do you flesh out and make bigger deals? Because I think that’s where the real challenge comes in. You know, do you, are you better off updating old content or are you better off creating new content? Gini Dietrich: I think it depends, which is the tagline to this podcast, of course, but, it depends on a few things. One, if you, if there’s older content that you can refresh and update with minimal resources, like it’s just a five or 10 minute, gosh, this needs to change, this needs to change, and then I republish it and it’s showing up in Google results. I think it’s probably worth doing it. Obviously if it doesn’t support or reflect where you are right now, I would not worry about it. But if there are things where you have some SEO value or AI is using it to bring real humans to your website based on the questions they’re ans they’re asking and it’s accurate, then I would take a few minutes to update it. And like I said, maybe you, you create a list of things that you need to do and you just check one off a week. Right? And then I would focus my efforts on new stuff. So where are we now? What are we thinking? How are we? How have we evolved? What kinds of things are we offering to the industry? That kind of stuff. So I would first focus on the stuff that you can repurpose because it’s easier and it’s a smaller lift, and you still have the value of SEO from that perspective, and then focus on the new. But like I said, if your website in general, your homepage, your about us page are not updated, I would start there. Chip Griffin: And I think it’s important that you, as you’re looking at the old content, that you’re thinking about refreshing that, that you don’t look at it through the lens of I could make this perfect if I spent some more time on it. It really, you have to see that there’s some, that the outcome for the user, again, going back to the person on the other end, is meaningfully different because of the additional work that you’ve put in. I mean, if it’s just simply that it’s phrased better, it’s organized, neater. It’s, you know, a little bit clearer that that’s probably not enough for me. Right. But if you’re able to, you know, things have changed between then and now as far as either what’s going on in the world, what’s out there, what your knowledge is, and you can, you can make it 50% better. Okay. Now you’re talking about something that, that may be worth the investment of time and energy, but if it’s, you know, if you’re just, you know, kind of polishing. That generally isn’t gonna pay off. Gini Dietrich: Totally agree with it. Yep. Totally agree. Yeah. If it’s new, like if it’s your thinking has evolved and it supports that and you just need to polish that piece or you know, like… We are constantly evolving the PESO model. And so I’m always looking at that content to say, oh gosh, that doesn’t represent where it is anymore. Right? Do I wanna put a date on this or a year in the content so that anybody who visits it understands that this is three years old. Do I wanna delete it? Like, so I, you know, I’m constantly. Our marketing team and I are constantly looking at those kinds of things, so I totally agree. If it’s just a polish, I wouldn’t spend the time. But if it’s evolved thinking, if it’s new services, if it’s new products, if it’s new IP, if it’s, you know, those kinds of things, then I would definitely include it. Chip Griffin: Absolutely. Well, hopefully we’ve given people some good ideas so that they can take a fresh look at their website as we start the year. And figure out, you know, what they might wanna tweak, improve, get rid of, hide from, any of those things. And it, it doesn’t have to be a giant project as you suggested. No. It can be the kind of thing where you chip away at one piece of content a week or something like that and you’ll see a meaningful difference over the course of time. Gini Dietrich: Absolutely. Yep. Get it done. Get that homepage updated. Chip Griffin: So with that, we will draw this episode of the Agency Leadership Podcast to a close. I’m Chip Griffin. Gini Dietrich: I’m Gini Dietrich, Chip Griffin: and it does depend.

Every year many financial advisors transition their practice from one wirehouse to another.Provided they've done their research and concluded that such a path was best for them, their practice, and their clients, there is nothing wrong with that.All too often though, that research does not include understanding all potential options.Thus, they end up making a less than informed decision about something that will impact the balance of their career.In this episode of the Transition To RIA question & answer series (#140) I work to expand such knowledge by explaining how transitioning to another wirehouse compares to transitioning to the RIA model.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/how-does-transitioning-to-another-wirehouse-compare-to-transitioning-to-the-ria-model/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors between $50M and $1B understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

Jon & Cody look at Tennessee versus the rest of the SEC in hoops. ---------- TalkSports is LIVE Weekdays from 8-11 a.m. on Fox Sports Knoxville/ Fanrun Radio. Check Out our Socials: "@FOXSportsKnox" on Twitter/X, "FanrunSports" on Instagram and Youtube Jon- @Jon__Reed on "X" Cody- @Cody__McClure on "X" Sam- @_beard11 on "X" Bubba- @BrandonShown on "X"

In this episode of the Level Up Claims Podcast, host Galen Hair sits down with Austin Holmes, CEO of Signal Raptor and President of Publicity for Good, to break down how storytelling, earned media, and authentic communication help businesses stand out in an increasingly noisy, AI-driven world. Austin shares how his background in the military shaped his leadership and communication style, why most business owners struggle to build trust at scale, and how PR can be transformed from a vague expense into a predictable growth tool. From scaling a seven-figure PR agency while raising a family on the road to building systems that replace "hope-based PR," this conversation delivers a practical, no-fluff framework business owners can apply every day. Highlights ·       Austin Holmes' journey from military leadership to scaling PR companies ·       Why authenticity and storytelling are essential in modern marketing ·       How AI has increased noise—and why story cuts through it ·       Turning your customer's story into a trust-building asset ·       Why "hope-based PR" doesn't work for growing businesses ·       Earned media vs influencers vs advertising: what actually matters ·       How Austin grew his company more than 50x with mentorship and systems ·       Building a business while traveling full-time with a growing family ·       Why systems—not hustle—create sustainable growth ·       Breaking down the COMPARE framework for business communication ·       The importance of omnipresence across platforms ·       Using earned media as third-party validation ·       How relationships and engagement drive long-term visibility ·       Preparing your brand for AI and LLM-based search ·       Austin's definition of leveling up: never settling and always growing Episode Resources ·       Connect with Austin Holmes ·       https://signalraptor.com ·       https://publicityforgood.com ·       Connect with Galen M. Hair ·       https://insuranceclaimhq.com ·       hair@hairshunnarah.com  ·       https://levelupclaim.com/  

Gain clear, educational perspective on today's highly talked-about market, inflation, and household finance trends in this episode of the Money Matters Podcast. Wes Moss and Jeff Lloyd connect economic data, market history, and real-world stories to help listeners evaluate financial decisions through a long-term planning lens. • Review the start of earnings season and explain why early results from major banks are drawing attention. • Analyze the latest inflation data and discuss how current trends may affect everyday household expenses. • Clarify how small-cap, mid-cap, and mega-cap classifications are evolving amid growing market concentration. • Examine rising youth sports costs, proposed tax incentives, and why Congress seems increasingly focused on family affordability. Also, connect youth sports economics with personal stories involving travel teams, car repairs, and the changing balance between recreational and elite competition. • Define the concept of the “Tomorrow Investor” while exploring long-term shifts in middle-class wealth and saving behavior. • Highlight national championship ticket prices and how event costs can reflect broader inflation pressures. • Assess the impact of the recent Verizon outage and review typical customer compensation practices following service disruptions. • Compare asset class returns from 1928 through 2025, including inflation, cash, housing, bonds, gold, and U.S. stocks. • Evaluate historical S&P 500 drawdowns, bear markets, and how often market volatility has occurred over time. • Break down the latest U.S. inflation report and discuss why some indicators are described as a “Goldilocks” scenario. • Track changes in average 30-year mortgage rates and what rate movement may signal for homebuyers. • Monitor legislative proposals to cap credit card interest rates and their potential impact on consumer affordability discussions. • Survey improvements in inflation-adjusted income, household net worth, and changes in America's class structure. • Illustrate long-term growth in U.S. productivity, S&P 500 values, and dividend trends using historical data. This episode emphasizes context over commentary by pairing market history with real-life financial experiences. **Listen and subscribe to the **Money Matters Podcast to stay informed on markets, inflation, and long-term financial decision-making.

Dr. Centor discusses the comparative risk for severe gastrointestinal adverse events associated with dulaglutide, semaglutide, and tirzepatide with Dr. Wajd Alkabbani.

You're listening to American Ground Radio with Louis R. Avallone and Stephen Parr. This is the full show for January 15, 2025. 0:30 We kick off today's show with Democrat lawmakers, in multiple states, who are openly pushing bills to block, undermine, and hobble federal ICE agents—despite clear constitutional authority under the Supremacy Clause. This isn’t about legal ambiguity; it’s about defying laws they don’t like and protecting a political agenda. We're laying it out bluntly: these state efforts will fail in court, waste millions in taxpayer dollars, and further embolden lawlessness. Weakening ICE doesn’t help vulnerable communities—it hurts them the most by driving up crime, suppressing wages, and draining resources from American citizens. This is a line in the sand moment. You’re either for the rule of law and law enforcement, or you’re for chaos and ideological nullification of the Constitution. There is no middle ground. 9:30 Plus, we cover the Top 3 Things you Need to Know. President Trump unveiled a new healthcare plan. Vice President JD Vance cast the deciding vote blocking a rebuke of President Trump's Venezuela policies. Another oil tanker leaving Venezuela has been seized by the United States. 12:30 Get Performlyte from Victory Nutrition International for 20% off. Go to vni.life/agr and use the promo code AGR20. 13:00 We don’t hold back as we react to what’s going on in Minnesota — and it’s not just a “local issue,” it’s a crisis of law and order. Democrat politicians in the state are openly encouraging people to defy lawful orders from law enforcement and interfere with ICE operations, even as violent clashes escalate. In Minneapolis, federal immigration enforcement has drawn massive protests after the fatal shooting of a woman during an ICE operation and a separate incident where a Venezuelan man and others assaulted an ICE agent with a shovel and broomstick, forcing the agent to fire in self-defense. When local leaders stoke resistance to federal law enforcement, what do you think is going to happen? This isn’t peaceful protest — it’s chaos, violence against officers, and the kind of breakdown in public safety that puts everyone at risk. 16:00 We got a question in for our American Mamas — Teri Netterville and Kimberly Burleson. Are we seeing more celebrities and public figures openly embrace conservative values? The Mamas weigh in, reacting to some surprising “red-pill” moments—from Nicki Minaj speaking out about faith and global issues, to longtime quiet conservatives like Patricia Heaton finally opening up about what it was like to be a political “unicorn” in Hollywood. The conversation hits on why more famous voices are stepping out now: social media, the collapse of trust in legacy media, and people realizing they don’t have to think the way the culture tells them to. From Michael Rapaport’s political flip to growing shifts in the Black community, the Mamas argue this isn’t about following a trend—it’s about people thinking for themselves, finding community, and giving others the confidence to say, “I’m not alone, and I don’t have to stay quiet anymore.” If you'd like to ask our American Mamas a question, go to our website, AmericanGroundRadio.com/mamas and click on the Ask the Mamas button. 23:00 With more than 500 million firearms now in civilian hands, America is still governed by consent—not force. The Second Amendment isn’t just about personal protection; it’s about sovereignty, self-defense, and making tyranny too costly to even attempt. Compare that to places like Britain New York, and California where strict gun control hasn’t produced safety—it’s produced more crime, more surveillance, and more government overreach, while criminals stay armed and law-abiding citizens get disarmed. The bottom line? When power shifts away from citizens, it doesn’t disappear—it lands in the hands of criminals or the state. Those 500 million firearms are a reminder that America still remembers who she is: a free, self-governing people. 25:30 We Dig Deep into a disturbing pattern of government fraud—this time in Washington State. After the daycare fraud scandal in Minnesota, reporters started digging and found dozens of so-called “home-based childcare centers” receiving tens of thousands of taxpayer dollars every month… despite the fact that no daycare was actually operating there. No kids. No business. Just checks rolling in. And when journalists did what journalists are supposed to do—knocked on doors, verified addresses, and reported the findings—the state’s response wasn’t outrage over fraud. It was outrage at the reporters. Instead of addressing where the money went, Washington officials scolded the press for exposing it, proving just how comfortable some politicians have become with unaccountable government and a compliant media. This isn’t just about daycare fraud—it’s about why a free press exists in the first place, and what happens when those in power would rather silence scrutiny than answer hard questions. 32:00 Get Prodovite Plus from Victory Nutrition International for 20% off. Go to vni.life/agr and use the promo code AGR20. 32:30 We talk about a major moment on the world stage as Donald Trump meets with Venezuelan opposition leader and Nobel Peace Prize laureate María Corina Machado. This wasn’t just a photo op—it was a declaration of what America is supposed to stand for. After decades of socialist destruction and authoritarian rule in Venezuela, a pro-freedom leader who was hunted, persecuted, and forced into exile is now sitting down with a U.S. president to talk about her country’s future. 35:30 We take a look at just how unhinged the far-left media has become—and then point out the moment they accidentally tell the truth. Using The American Prospect as the example, we run through some of their over-the-top headlines comparing Donald Trump to genocidal dictators and accusing him of “ethnic cleansing.” Pure Trump Derangement Syndrome on full display. But here’s the twist: buried in all that hysteria, even this far-left outlet is forced to admit something they swore could never be true—Trump’s tariffs are actually working. They acknowledge the trade deficit is down, inflation hasn’t spiked, real wages are up, and foreign exporters are eating much of the cost. After years of screaming that tariffs would wreck the economy, the facts are winning. When even a publication that despises Trump has to concede his policies delivered results, that’s not just ironic—it’s a bright spot and a quiet admission that Trump may have been right all along. 39:30 We dive into the messy headlines and the real-world diplomacy behind them. While there’s been chatter—especially online—about divides and even anti-Semitism swirling through certain corners of the right (with bots amplifying the noise), the facts tell a very different story. According to the New York Times, Israel and the U.S. remain closely aligned. 41:30 And we finish off today's show with a teacher couple who will make you say, "Whoa!" Follow us: americangroundradio.com Facebook: facebook.com / AmericanGroundRadio Instagram: instagram.com/americangroundradioSee omnystudio.com/listener for privacy information.

In this episode of Cruise Radio, host Doug Parker and staff writer Richard Simms cover the latest industry news, including Royal Caribbean's extended suspension of Haiti port calls, norovirus outbreaks, Norwegian Cruise Line branding changes, and the end of free cabin upgrades or "upgrade fairy." Ryan shares a detailed review of his five-night Carnival Paradise cruise, highlighting his suite upgrade, dining experiences, New Year's Eve festivities, and port visits to Nassau and Celebration Key.  Sponsor Cruise line protection is designed to help if you can't take your cruise. Third-party travel insurance helps protect you during the trip. Including medical care, delays, and unexpected issues. Compare plans and save up to 30% at TripInsurance.com. About Cruise Radio: Cruise Radio has been delivering cruise news, ship reviews, and money-saving tips weekky since 2009.

Compare and Contrast... For more coverage on the issues that matter to you, download the WMAL app, visit WMAL.com or tune in live on WMAL-FM 105.9 from 9:00am-12:00pm Monday-Friday  To join the conversation, check us out on Twitter @WMAL and @ChrisPlanteShow Learn more about your ad choices. Visit podcastchoices.com/adchoices

DescriptionDavid Diener, Assistant Professor of Education at Hillsdale College and president of The Alcuin Fellowship, joins Christopher Perrin to reflect on how a philosopher's training can become a vocational doorway into the renewal of classical education. Drawing from years in K–12 school leadership and now higher education, Diener describes why classical schools often foster unusually rich intellectual community—and why that matters in an age of academic fragmentation. He also introduces Hillsdale's Master of Arts in Classical Education (MACE), a program designed to address one of the movement's biggest bottlenecks: forming well-equipped teachers and administrators. The conversation highlights how enduring philosophical anchors—from Plato and Aristotle to Aquinas—can be translated into concrete classroom practice. Diener then traces the role of The Alcuin Fellowship in deepening the movement's historical and theoretical grounding, including its influence on The Liberal Arts Tradition. Finally, they look outward to the global growth of classical Christian education, including partnerships and training initiatives in Africa, such as the Rafiki Foundation, and expanding work across Latin America. David Diener has a forthcoming monograph in Spanish that will provide chapter-length essays on various aspects of classical Christian education. Additionally, he has an upcoming course on ClassicalU.com will release in the spring of 2026.Episode OutlineFrom philosophy to teaching: Diener's academic formation, early teaching experience abroad, and why education became his focusWhy classical schools attract scholars: the “faculty-of-friends” culture and how it can outpace typical undergraduate settingsHillsdale's MACE program: structure, distinctives, and the need for teacher formation at scaleThe Alcuin Fellowship: purpose, retreats, the “scholar-practitioner” model, and the ecosystem role it playsPublications and intellectual consolidation: how collaborative work helped birth The Liberal Arts Tradition by Kevin Clark, DLS, and Ravi Jain Global and Latin American growth: partnerships, conferences, and emerging networks across continentsKey Topics & TakeawaysFormation Through Practices: What we repeatedly do shapes what we love.Classical Schools as Intellectual Communities: Classical faculties often cultivate cross-disciplinary conversation and shared learning in ways that counter modern academic siloing.Theory-to-Practice Formation: Strong programs don't leave philosophy abstract—they press big ideas into classroom realities and school leadership decisions.The Teacher-Leader Pipeline is the Bottleneck: Sustainable growth depends on forming more capable teachers and administrators, not merely opening more schools.Why MACE is Built the Way it is: A shared core creates common language and vision; later specialization prepares teachers and leaders for distinct roles.Fellowship as Infrastructure for Renewal: The Alcuin Fellowship functions as a hub for scholar-practitioners who think deeply and serve schools faithfully.From Local Renewal to Global Opportunity: The movement's growth is increasingly international, with meaningful work underway in Africa and expanding initiatives in Latin America.Questions & DiscussionWhat kind of “fragmentation” have you experienced in education (or your own formation)?What practices have helped you move toward integration?Why might a classical school faculty create stronger intellectual friendship than many modern institutions?Compare your current context to a “lunch-table culture” where teachers learn together across disciplines. What would it take to cultivate that kind of shared learning where you are?What is the role of a fellowship (formal or informal) in renewing an educational tradition?Identify one fellowship function you most need: reading, conversation, research, mentoring, or mutual sharpening. What could be your next practical step to build that community?How should the classical renewal relate to other organizations and conferences in the movement?What do you hope conferences and associations provide beyond inspiration (formation, scholarship, standards, support)? How can leaders prevent “event energy” from replacing sustained local practice?What opportunities—and challenges—come with global growth of classical Christian education?Discuss the difference between exporting a model and serving a local culture with deep roots. What do “curriculum accessibility” and “teacher training resources” mean in practical terms?Suggested Reading & ResourcesThe Liberal Arts Tradition by Kevin Clark, DLS, and Ravi JainThe Liberal Arts Tradition (Audiobook) by Kevin Clark, DLS, and Ravi JainRafiki FoundationThe Rafiki Foundation PodcastAssociation of Classical Christian Schools (ACCS)Society for Classical Learning (SCL)Hillsdale CollegeHillsdale AcademyThe Alcuin FellowshipDr. Christopher Perrin on Substack 

About the Guest: Dr. Hiral Patel is the owner of Solid Smiles in Lewisville, Texas. As an "OG" member of The Making Of community, she transitioned from searching for acquisitions to building her own startup from the ground up in 2019.Episode Summary: Collin and Dr. Patel discuss the full evolution of a startup—from the first "silent" months in 2019 to a thriving, five-op practice seven years later. Hiral gets transparent about the financial struggles of the early years, the importance of "boots on the ground" marketing, and the deeply personal motivation behind her practice: her father's battle with and victory over oral cancer. She also shares her simplified hiring philosophy and why she wouldn't trade ownership for an associate role for anything.Key Takeaways:A Personal Mission: Hiral opens up about her father's oral cancer journey (diagnosed in 2014).The Marketing Myth: Hiral shares how she used baskets of cards at local businesses and handwritten thank-you notes to build a patient base when the phone wasn't ringing.Attitude Over Resume: Why Hiral looks for people who are presentable and willing to learn rather than "experienced" staff who might be jaded or stuck in their ways.The Power of Coaching: Hiral utilizes a coach to role-play handoffs and case presentations monthly.Financial Reality: Hiral breaks down her personal pay structure from Year 1 ($23k) to Year 7.Time Stamps:[00:00] Intro: Meeting an OG member of the 14,500+ Facebook community.[05:30] The "Anti-Startup" mindset and opening in August 2019.[12:45] Bootstrapped Marketing: 7-Eleven flyers and Chipotle baskets.[18:20] The "Secret Sauce": Why Hiral's team still sends 50 handwritten cards a month.[23:40] Outfitting rooms: Why Hiral wishes she did more than 2 ops at the start.[28:15] The Paycheck: From $23,000 in Year 1 to owner-level income.[34:50] Hiring & Firing: The first termination and hiring for attitude.[42:15] The Heart of the Practice: Hiral's father's oral cancer story and 10-year recovery.[53:10] Advice for the Grind: "The days are hard, but the years are good."Connect with Dr. Hiral Patel:Instagram: @solidsmilesPractice: Solid Smiles (Lewisville, TX)Featured Sponsors:Studio 88: Specialized dental marketing that tells your story. Visit s8e8.com.Net 32: Compare brands and vendors in one place. Visit net32.com/themakingof.Support the showFind Out More Thank you for listening to The Making Of podcast. If you enjoyed it, please share with anyone you think will gain value from the show by clicking on one of the sharing tabs above. SUBSCRIBE to our NEWSLETTER HERE Also, please consider leaving an honest review on iTunes. It helps other listeners find the show, and I would be forever grateful.Questions or comments? Feel free to contact us at - themakingofadental@gmail.comFollow us on Instagram or Facebook and improve your dental practice every day!Have you subscribed? Don't miss a single episode!

In this episode of Cruise Radio, Ralph shares an in-depth review of his seven-night cruise on MSC Grandiosa, a ship that recently started sailing from Port Canaveral, Florida after repositioning from Europe.  He discusses embarkation, ship design, cabin comfort, dining experiences, entertainment, and port visits. Ralph highlights the ship's European and Latin influences, standout live music, Cirque-style shows, and the relaxing private island, Ocean Cay Marine Reserve. He also offers practical tips for booking activities and navigating the ship's amenities. The episode provides valuable insights for cruise passengers considering MSC, highlighting both the ship's strengths and challengesin the North American market. Sponsor Cruise line protection is designed to help if you can't take your cruise. Third-party travel insurance helps protect you during the trip. Including medical care, delays, and unexpected issues. Compare plans and save up to 30% at TripInsurance.com. About Cruise Radio: Cruise Radio has been delivering cruise news, ship reviews, and money-saving tips weekky since 2009.

Welcome back to #WithSONAR! This week, we're diving into Batch Rate Intelligence, SONAR's multi-lane pricing tool designed to support short-term pricing decisions and RFP strategy with downloadable, market-aligned rate intelligence. In this session, you'll learn how to: -Access Batch Rate Intelligence within SONAR applications -Upload lanes using the downloadable template or work directly in the UI -View real-time broker-to-carrier spot rates updated daily -Compare spot and contract rates (where available) to evaluate margin and spread -Understand lane scores to gauge capacity difficulty and pricing leverage -Monitor daily rejection rates to anticipate spot rate pressure -Export full datasets for Excel-based RFP analysis and customization Batch Rate Intelligence is an add-on within SONAR and is especially valuable as we head into RFP season, helping ensure your pricing reflects real-time market conditions.

Annie keeps a running clock of days until inauguration, which has become days of Trump's presidency. Today is day 357. So almost a year. Think he's worked pretty hard? Compare it to 2021.

Tired of “get rich quick” hype? In this video, Anthony O'Neal breaks down the real, repeatable steps to build wealth in 2026—starting with just $100. No trust fund, no viral moment, no overnight success. Just proven strategies that work for Black families and everyday Americans. Learn how to use high yield savings, affiliate marketing, digital products, real estate, and AI skills to create real wealth for your family and your future. Let's build together!

2026 Tax Revolt: Millions Refusing to Pay Government Taxes – Here's Why  The Growing Tax Strike Nobody Wants To Talk About. America's Breaking Point? Americans are fed up. High taxes. Higher prices. Endless wars. Government waste. And now something new is bubbling beneath the surface: not protest, not riots… resignation. People quietly opting out. Some are talking about a “tax strike.” Is this dangerous? Is it justified? Does it unite the country… or blow it apart? Let's talk about it honestly. This isn't left or right. This is ordinary Americans reaching a breaking point. Stay Dangerous. Watch this video at- https://youtu.be/Qi8ipxFvB68?si=7F1mqyPmUAT-H_TA Tim Black TV 210K subscribers 8,019 views Jan 2, 2026 The Most Dangerous Night Show in America | Tim Black Live #TaxStrike #Tax #incomeinequality 00:00 — People Are Reaching Their Breaking Point 00:18 — Protest vs Resignation: A More Dangerous Shift 00:36 — “I'm Done Paying Taxes” Sentiment Grows 01:00 — 30 Years Working… And Nothing To Show For It 01:17 — Why A Tax Strike Terrifies Government 01:40 — We're Taxed Everywhere…On Everything 02:00 — People Feel Cheated By The System 02:09 — Tax Strike 2026 Calls Begin 02:23 — Could This Unite America? 02:41 — Wasteful Spending And Corruption Anger Americans 03:02 — Minnesota COVID Fraud Example 03:44 — When People Stop Believing In The System 04:05 — Major Voices Now Calling For A Tax Strike 04:10 — The Big Question… Then What? 04:14 — What Happens If People Quietly Opt Out? 04:30 — Power Only Exists If People Obey 04:44 — Reform Or Retaliation? 04:59 — “This Is What It Feels Like To Be A Slave” Anger And Pain 05:49 — Taxation Without Representation 06:06 — Does This Unite Or Divide America? 06:16 — Nobody Knows How This Ends 06:18 — Higher Taxes, Worse Services, Growing Anger 06:27 — Americans Are Waking Up Together 06:47 — This is Becoming A Movement 07:10 — Income Inequality + Oligarch Tax Structure 07:45 — Trump: “We May Eliminate Income Tax” 08:08 — America May Finally Be United… Against This 08:22 — Trust In Media Is Gone… And So Is Trust In Government Spending 09:05 — Americans Are Tired Of Being Scammed 09:34 — Can We Finally Come Together As A Country? 09:59 — Forget Parties… Do You Care About America Or Not? 10:23 — It Doesn't Matter Who You Are… Everyone Feels This 10:40 — The Country May Have Accidentally United Itself 10:48 — Was All The Distraction On Purpose? 11:18 — Watch The Most Dangerous Show In America "I'm not a news channel. I'm a commentator. - Tim Black"

Start the year with structured context around today's most frequently discussed retirement planning questions on the Retire Sooner Podcast, hosted by Wes Moss and Christa DiBiase. This episode presents an educational review of real listener scenarios, placing retirement, investing, and planning topics within a long-term analytical framework. • Review current U.S. wealth statistics by discussing commonly cited data on net worth, retirement account balances, and generational financial trends. • Outline household risk considerations by examining how families often think about emergency savings, retirement contributions, and income stability. • Discuss real estate planning considerations by evaluating factors involved in purchasing a condo for college-bound children, including cash flow and potential resale dynamics. • Describe fiduciary planning relationships by outlining services commonly associated with comprehensive retirement planning, tax coordination, and advisory fee structures. • Explain the “Rule of 55” by clarifying how early access to employer-sponsored retirement plans is typically referenced. • Summarize shared characteristics of long-term savers by highlighting recurring themes reported by listeners with higher household savings levels. • Compare buffered ETFs by discussing how downside buffers and capped upside features are typically weighed within diversified portfolios. • Examine mortgage buyout scenarios by outlining considerations for co-owned property, interest-rate assumptions, and loan structure implications. • Analyze bond duration risk by discussing how interest-rate changes and yield-curve movements may influence long-duration bond pricing. If you're searching for clear, educational discussions around retirement planning, investing considerations, and household financial decision-making, this episode may add perspective. Listen and subscribe to the Retire Sooner Podcast for ongoing conversations that help place financial topics in a long-term context. Learn more about your ad choices. Visit megaphone.fm/adchoices

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureTrump’s tariff system is putting a lot of strain on the Eurozone, they were hurting from the green new scam, but now it’s all falling apart. New supply of oil is coming into the US, prices are going to drop. Trump is shutting down the [CB] plan down, no institutional investors in real estate, prices are about to come way down. Newsom wants to confiscate Bitcoin. The [DS] is feeling pain, their drug, human and oil trafficking system is being dismantled. The [DS] have lost the information war, common sense has now taken over. The [DS] will now being moving to physical war. This is the trap Trump has set to use the Insurrection Act. Slowly but surely the [DS] will become more violent and Trump and team will have to call the ball. Buckle up, the storm is approaching. Economy Trump’s Tariffs Are Sinking The Eurozone  German trade surpluses are shrinking, with 2025 exports to the US projected down 7% and overall trade surplus far below 2024 levels. Structural challenges—especially Chinese competition in automotive—compound short-term pressures, threatening Germany’s role as Eurozone anchor. A German recession risks Eurozone-wide contagion, potential ECB stimulus, and euro depreciation, clouding the outlook for 2026. Since tariffs stepped in, the Eurozone has struggled with exports and hasn’t even retaliated to them. A passive approach that shows off all its weaknesses and, above all, is sinking the economy of its major member: Germany. Germany was already stuck with a negative GDP growth before tariffs, but the latter are acting as a final blow for the third economy in the world. A couple of weeks ago I pointed out the main risks that concern Japan (the fourth economy in the world); now it is time to assess the shape of the German economy. How tariffs are hitting Germany Germany's total exports in 2024 amounted to $1.63 trillion, and 11% of these goods were exported to the US, the main trading partner. Just this data says a lot; in fact, Germany used to rely on the US to generate billions and billions of trade surpluses. A sort of Chinese approach, but at a lower scale. Now, almost every European good exported to the US is subject to a 15% tariff, which is making German goods less convenient for US companies. We know that the latter pay most of the tariffs, and this means bearing higher costs of goods sold, therefore lower profits. Companies don't like to reduce their net profit margin, so it is not a surprise they are looking around to find new trading partners. On top of this significant issue, the currency fluctuations are adding further pressure on German exports.. Source: seekingalpha.com  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/disclosetv/status/2008918914110021878?s=20   and brought directly to unloading docks in the United States. Thank you for your attention to this matter! DONALD J. TRUMP PRESIDENT OF THE UNITED STATES OF AMERICA https://twitter.com/DOGEai_tx/status/2008960798094188804?s=20 https://twitter.com/truflation/status/2008494612378501267?s=20   index, calculated from millions of price data points, has remained below 2% since Dec 30. https://twitter.com/Rasmussen_Poll/status/2008641445574615279?s=20 https://twitter.com/amuse/status/2008921005046350098?s=20   domestic production, tax relief & energy independence. America remained the strongest economy in the world as capital flowed toward US assets. https://twitter.com/amuse/status/2008694980944998633?s=20 Political/Rights  https://twitter.com/paulsperry_/status/2008707706052632955?s=20 Democrat Charlotte Sheriff Now Under Investigation for “Mafia-style” Intimidation and Corruption   District Attorney Spencer Merriweather has formally requested the North Carolina State Bureau of Investigation (SBI) to probe allegations of attempted extortion and corruption against Democrat Sheriff Garry McFadden. The petition outlines explosive allegations regarding Sheriff McFadden's conduct over House Bill 10, a controversial state law mandating cooperation between local sheriffs and U.S. Immigration and Customs Enforcement (ICE). Rep. Cunningham, a fellow Democrat who provided a critical vote to override the Governor's veto of the bill, alleges McFadden threatened her safety to influence her vote. According to the petition, McFadden told Cunningham that if she continued to support the bill, the “people of Mecklenburg County would ‘come after' her.” The filing claims McFadden added, “I don't want to see you get hurt. You live in my county.” Cunningham described the interaction as “akin to a mafia boss demanding money by saying ‘nice little store you've got there; it would be a shame if anything happened to it.’”   District Attorney Merriweather confirmed he has asked the SBI's Professional Standards Unit to investigate the claims before his office decides whether to proceed with the removal petition. The DA's letter to the SBI specifically requests an investigation into: Extortion and bribery. Economic threats made to influence legislation. Hatch Act violations (regarding improper political activity). State campaign finance violations. Source: thegatewaypundit.com Breaking: Tensions Reach Boiling Point in Minneapolis As Woman Attacks ICE With Vehicle, Is Neutralized  https://twitter.com/nicksortor/status/2008962609769533872?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2008962609769533872%7Ctwgr%5Ea8d4c3aaf88bd8bfc614f35ff01e9af383546251%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fbobhoge%2F2026%2F01%2F07%2Fbreaking-tensions-reach-boiling-point-in-minneapolis-as-woman-attacks-ice-with-vehicle-is-neutralized-n2197863https://twitter.com/nicksortor/status/2008973759097733306?s=20 https://twitter.com/TriciaOhio/status/2008957179793998266?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2008957179793998266%7Ctwgr%5Ea8d4c3aaf88bd8bfc614f35ff01e9af383546251%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fbobhoge%2F2026%2F01%2F07%2Fbreaking-tensions-reach-boiling-point-in-minneapolis-as-woman-attacks-ice-with-vehicle-is-neutralized-n2197863 https://twitter.com/EricLDaugh/status/2008958131502768415?s=20  Source: redstate.com Geopolitical https://twitter.com/WadeMiller/status/2008657547629392370?s=20 https://twitter.com/sentdefender/status/2008906360537456723?s=20 https://twitter.com/sentdefender/status/2008912529087779051?s=20 On December 20th, the US Coast Guard and Navy attempted to board a sanctioned oil tanker off the coast of Venezuela. The tanker escaped, headed for the north Atlantic, painted a Russian flag on its hull, and has been operating under a new name (Marinera). US military aircraft are tracking the tanker off the coast of Ireland and are said to be preparing to board it. And now,  a Russian sub is enroute to intercept it. https://twitter.com/ConflictDISP/status/2008882720408305975?s=20 https://twitter.com/Rightanglenews/status/2008892280867000469?s=20 https://twitter.com/visionergeo/status/2008887222787887241?s=20 https://twitter.com/disclosetv/status/2008953776976134460?s=20 https://twitter.com/TankerTrackers/status/2008926432026632522?s=20 https://twitter.com/amuse/status/2008937593702916205?s=20  Putin’s side against Trump. TDSx1000 https://twitter.com/PeteHegseth/status/2008900933242032586?s=20 https://twitter.com/drawandstrike/status/2008633796317372618?s=20   that asshole pretending to be it’s President. Neither is the gal currently pretending she’s President of Mexico. When you figure out what the transnational crime syndicate is, and the kind of shit it’s been up to for over 130 years, some of you are gonna be awfully surprised. But then a lot of stuff you’re presently confused about will make sense. Brilliant Restitution Plan – President Trump Announces Interim Venezuela Oil Payment of $2 Billion  This is way beyond winning, this is stunningly brilliant strategy.  Not only has President Trump successfully apprehended Venezuela dictator Nicolas Maduro, but the remaining interim government officials have acquiesced to fund a civil restitution plan to pay for their malfeasance. The government that stole from its people is being forced to pay restitution for their own fraud, abuse and misconduct. [SOURCE] The 30 to 50 million barrels of oil is approximately a $2 billion self-created reconstruction effort. Compare and contrast this approach with the trillions of U.S. taxpayer funds that were used in the failed efforts in Iraq, Afghanistan, Libya, Syria, etcetera….  or even Kuwait, albeit the Kuwaiti's offered, but prior U.S. leadership chose influence over restitution. In this example, almost immediately the funds now in the control of President Trump can be deployed to the greater benefit of the Venezuelan people. Another way to look at this is like a type of ‘sovereign wealth fund' created by the corrupt Venezuelan officials, using the resources that belong to the Venezuelan people, to support the interim needs of the same citizens they victimized. Well done President Trump and Secretary Rubio! Source: theconservativetreehouse.com   The second phase will be a phase that we call recovery. And that is ensuring that American, western, and other companies have access to the Venezuelan market in a way that’s fair, also at the same time, begin to create the process of reconciliation nationally, within Venezuela, so that the opposition forces can be amnestied and released from prisons, and brought back to the country, and begin to rebuild civil society. And then the third phase, is of course will be one of transition. Some of this will overlap. I’ve described this to them (Venezuela) in great detail. We’ll have more detail in the days to follow. But we feel like we’re moving forward here in a very positive way. https://twitter.com/Matt_Bracken48/status/2008704247341183281?s=20   with a long-term secret IUD program, where Inuit women and young girls visiting Danish clinics for “health checks” were for unknowingly fitted with dangerous coil IUDs that were left in for years, leaving many sterile and in chronic lifelong pain. It was total “Dr. Mengele” stuff. The Inuit in Greenland are ripe for a better offer. And in any event, Denmark’s “claim” on Greenland is a total joke. Please read the whole Substack in the first reply. I’ll also do some more screen grabs in an X-thread to whet your appetite. War/Peace   me the Noble Peace Prize. But that doesn't matter! What does matter is that I saved Millions of Lives. RUSSIA AND CHINA HAVE ZERO FEAR OF NATO WITHOUT THE UNITED STATES, AND I DOUBT NATO WOULD BE THERE FOR US IF WE REALLY NEEDED THEM. EVERYONE IS LUCKY THAT I REBUILT OUR MILITARY IN MY FIRST TERM, AND CONTINUE TO DO SO. We will always be there for NATO, even if they won't be there for us. The only Nation that China and Russia fear and respect is the DJT REBUILT U.S.A. MAKE AMERICA GREAT AGAIN!!! President DJT Medical/False Flags The New Food Pyramid Health and Human Services Secretary Robert F Kennedy Jr has released a new food pyramid guide for Americans. The Dietary Guidelines for Americans released today meshes MAHA-influenced changes with longer-standing advice for people to cut sugar consumption while eating more protein, whole grains and colorful fresh vegetables and avoiding “highly processed” foods. Source: theconservativetreehouse.com [DS] Agenda https://twitter.com/WarClandestine/status/2008654733020717345?s=20 Medicaid Will ‘Claw Back’ Fraud Funds From Minnesota: Agency Head Minnesota will feel an “increasing vise grip of financial penalties” to help make up for taxpayer dollars lost to fraud, Dr. Mehmet Oz, administrator of the Centers for Medicare & Medicaid Service, said Jan. 6. His agency is auditing all 14 Medicaid programs that Minnesota flagged as vulnerable to fraud; that excludes 73 other Medicaid programs Minnesota runs. The agency also will “claw back that money” from current Medicaid payments that were to be made to Minnesota, Oz told Fox News. “This is a major problem for the state, because they've got to own the fact that they have been bilking the federal taxpayer [because of] their sloppy behavior for years,” Oz said. Oz said his agency has had difficulty tracking at least $500 million in Medicaid payments to Minnesota. Available data makes it hard to figure out how it was billed and “where it went,” he said.      Source: zerohedge.com President Trump's Plan https://twitter.com/JudgeJeanine/status/2008642273991393473?s=20  Today? Less than 10% not prosecuted.  This is what REAL enforcement looks like. Trump's federal surge is delivering results — law and order is being restored in DC. https://twitter.com/WallStreetApes/status/2008789449178579342?s=20  – Neville Roy Singham and his network – Hansjorg Wyss, a billionaire donor in Switzerland – Additional Foreign Cash – Reid Hoffman (Named by Trump) “It’s also big left-wing funders, some of them who are not citizens of this country, Mr. Hansjörg Wyss in Switzerland, they’re pouring money into this entire ecosystem.” “We have identified dozens of radical organizations, not just the decentralized Antifa organizations, but dozens of radical organizations that have received more than $100 million from the Riot Inc investors.” “I think the most shocking thing is that we have found that more than $100 million in US taxpayer funding has flowed into these funding networks” Trump Offers Blueprint on How Republicans Can Win the Midterms and Future Elections Trump said this to the GOP members: You gotta win the midterms. ‘Cause if we don’t win the midterms, it’s just gonna to be… I mean, they’ll find a reason to impeach me. I’ll get impeached. We don’t impeach them, you know why? Because they’re meaner than we are. We should have impeached Joe Biden for a hundred different things. Here is the second part They are mean and smart: but fortunately for you, they have horrible policy. They can be smart as can be, but when they want open borders, when they want, as I said, men in women’s sports, when they want “transgender for everyone!” Bring your kids in, we’re going to change the sex of your child. Just send them our way. […] We have great, common-sense policy. They have horrendous policy. What they do, is they stick together. They never have a no vote. Trump wasn’t whining that he is afraid of impeachment — he was spitting facts: if Democrats win, impeachment is inevitable; so, don’t let them win and show them this is how you do it. Trump made clear to Republicans that they must hammer home their common-sense, America-forward policies and contrast those against the truly terrible schemes of the Democrats. Trump said, “You can own health care. Figure it out. […]If you explain it: the money goes directly to the people, that’s going to be your issue.” Source: redstate.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

In episode 1984, Jack and Miles are joined by comedian and host of Rebrand, Mort Burke, to discuss… Trump: People Say I’m Jealous But My Kink Is Just Karma, Benny Johnson: Venezuela Rigged The 2020 Election! So Yeah! Trump Health? John Krasinski Laid The Groundwork For Venezuela Attack and more! U.S. plan to ‘run’ Venezuela clouded in confusion Benny Johnson: Venezuela Rigged The 2020 Election! So Yeah! Trump Health? John Krasinski Laid The Groundwork For Venezuela Attack Jack Ryan clip about Venezuela gets viral amid capture of Nicolàs Maduro. Did ‘Jack Ryan’ Predict U.S.’ Venezuela Intervention? Co-Creator Carlton Cuse Reacts To Season 2 Clip Going Viral, Shares Hopes For “Stability And Peace” Amazon's 'Jack Ryan' TV series lambasted for promoting Venezuela 'invasion' Jack Ryan is the Latest TV Show to Film at CIA Headquarters How Does Amazon's 'Jack Ryan' Compare to Real Life at the CIA? LISTEN: 4 Raws by EsDeeKidSee omnystudio.com/listener for privacy information.

Send us a textIs your Bible collecting dust while your phone never leaves your hand? Josiah Queen's song “Dusty Bibles” hits close to home, doesn't it? In this episode, we take that convicting image and follow it straight into Scripture—where King Josiah literally rediscovered God's Word after years of neglect. His response? Humility, repentance, and bold action that changed a nation.What could happen if we did the same? Join me as we explore Josiah's story in 2 Kings 22–23 and uncover practical ways to move beyond neglect and let God's Word transform our lives. Grab your Bible (or your audio app!) and let's dust it off together.Key PointsJosiah Queen's song “Dusty Bibles” paints a vivid picture of neglecting God's Word in favor of modern distractions.We explore the story of King Josiah in 2 Kings 22–23, who literally rediscovered a dust-covered scroll and responded with humility, repentance, and action.Josiah's example reminds us that interacting with God's Word leads to transformation—not just for us, but for those around us.Scriptures Referenced2 Kings 21–23 – Josiah's heritage and reforms2 Chronicles 34–35 – Parallel account of Josiah's reignGenesis 7 – Example of tackling hard truths in Scripture2 Timothy 4:3–4 – Warning against itching earsJames 4:4, 1 Peter 5:5, Proverbs 3:34, Isaiah 66:2 – God's view on humilityBITEs (Bible Interaction Tool Exercises)Consult trusted sources – Commentaries or pastors for confirmationRead in context – Chapters before and after the main textFollow cross-references – Compare Kings and ChroniclesListen to Scripture – Audio versions count!Compare translations – Gain deeper insightAdditional ResourcesDownload the free Episode GuideLyrics - New Release TodayHolman Old Testament Commentary: I & II Kings by Gary Inrig - Amazon Paid LinkBible Interaction Roadmap Bible Study - videos and assignments that will equip you with habits you can use over and over in your own Bible Study - Learn MoreLearn more about my favorite Bible Study Software with a 30-day free trial and links to my favorite Bible resources - Logos Bible Software Affiliate LinkThis Week's ChallengeLet's dust off our Bibles, cleanse our lives of our idols, and let God's Word be our guide. With that in mind, read Josiah's narrative in context — read 2 Kings 21-23. Be sure to follow the cross references to 2 Chronicles 34-35. Meditate on Josiah's interaction with God and His Word. How did he respond? How could we emulate him as we interact with God and Scripture?Purchase your copy of A Seat at the Table today! Change your music. Change your life. Join my free 30-Day Music Challenge. CLICK HERE.

Frustrated by a lack of progress? Chip shares why dependency, not determination, is the key to the lasting change you desire.Threefold practice for change:Look BACKLook UPLook forwardKey areas to evaluate:Relationship with the LordMost important relationshipsPhysical healthOther relationshipsWork / Career / EducationPersonal ministryEmotional healthSet spiritual priority -Mt. 6:33Get in shape spirituallyDon't go it alone -Ec. 4:12b; Pro. 13:30Abide in Christ -John 15:5Refuse to rely on sheer willpower, habits, and hacks.Final thoughtsRefuse to COMPARE yourself with other people. -2 Cor. 10:12Refuse to be a PEOPLE pleaser. -Lk. 16:15; Gal. 1:10ConclusionEvaluateLook backLook upPrioritizeBroadcast ResourceDownload Free MP3Message NotesAdditional Resource MentionsI Choose Love BookDaily Discipleship - Psalms of HopeConnect888-333-6003WebsiteChip Ingram AppInstagramFacebookTwitterPartner With UsDonate Online888-333-6003

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture[CB] around the world are dumping the Fed note, they just aren’t taking on anymore, everything is about to change. Trump’s GDP outshines Biden’s. China is now going to restrict silver, silver is used in electronics, batteries,solar panels etc. Silver prices are going to move. [CB] fraud is now exposed. The Tariff system is the future. The [DS] criminal syndicate is being exposed, it’s not just in DC it is world wide. As people learn how corrupt the system is and most of the taxes and borrowing goes to support the criminal system the people will be with Trump to remove the Fed. Trump is in the process of bringing down the entire corrupt temple on the [DS]. Trump moves closer to peace with Ukraine, 2026 is going to change everything. Economy Status of the US Dollar as Global Reserve Currency: USD Share Drops to Lowest since 1994  Central Banks diversify their holdings into dozens of smaller “non-traditional reserve currencies.”  The share of USD-denominated assets held by other central banks dropped to 56.9% of total foreign exchange reserves in Q3, the lowest since 1994, from 57.1% in Q2 and 58.5% in Q1, according to the IMF's new data on Currency Composition of Official Foreign Exchange Reserves. USD-denominated foreign exchange reserves include US Treasury securities, US mortgage-backed securities (MBS), US agency securities, US corporate bonds, and other USD-denominated assets held by central banks other than the Fed. Excluded are any central bank's assets denominated in its own currency, such as the Fed's Treasury securities or the ECB's euro-denominated securities. It's not that foreign central banks dumped US-dollar-denominated assets, such as Treasury securities. They did not. They added a little to their holdings. But they added more assets denominated in other currencies, particularly a gaggle of smaller currencies whose combined share has surged, while central banks' holdings of USD-denominated assets haven't changed much for a decade, and so the percentage share of those USD assets continued to decline.   Central banks' holdings of foreign exchange reserves in all currencies, and expressed in USD, rose to $13.0 trillion in Q3. Top holdings, expressed in USD: USD assets: $7.41 trillion Euro assets (EUR): $2.65 trillion Yen assets (YEN): $0.76 trillion British pound assets (GBP): $0.58 trillion Canadian dollar assets (CAD): $0.35 trillion Australian dollar assets (AUD): $0.27 trillion Chinese renminbi (RMB) assets: $0.25 trillion Source: wolfstreet.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");  https://twitter.com/elonmusk/status/2004750391435755846?s=20 https://twitter.com/ElectionWiz/status/2004928015172821228?s=20 https://twitter.com/ElectionWiz/status/2004946780216328590?s=20  Political/Rights https://twitter.com/Patri0tContr0l/status/2004590513182367845?s=20  https://twitter.com/Geiger_Capital/status/2005107085865103608?s=20 ICE: 70% Arrested Had Criminal Ties Roughly 70% of illegal migrants arrested by U.S. Immigration and Customs Enforcement (ICE) under the second Trump administration reportedly had been convicted of or faced charges for criminal offenses. New data provided to the Washington Examiner shows the Trump administration arrested about 595,000 illegal immigrants between Jan. 20 and Dec. 11, according to the Department of Homeland Security. ICE said 70%, roughly 416,000, had “criminal convictions or pending criminal charges” in the United States, underscoring President Donald Trump’s promise to prioritize the “worst of the worst” in immigration enforcement. ICE officials stressed that even those without U.S. criminal records can still pose major public safety threats, the agency said, noting many are wanted abroad for violent crimes or have ties to gangs, terrorism, or other serious offenses. “This statistic doesn’t account for those wanted for violent crimes in their home country or another country, INTERPOL notices, human rights abusers, gang members, terrorists, etc. The list goes on,” an ICE spokesperson told the Examiner. Source: newsmax.com   New Files Show Epstein Was ‘Too Useful' for Banks to Drop — Trump Was ‘Too Politically Dangerous' to Keep  The newest Epstein disclosures include deposition testimony that illustrates, in unusually concrete detail, how major financial institutions assessed risk, value, and accountability. The transcript does not add new allegations about Epstein. Instead, it explains why he remained bankable long after his 2008 conviction and why his relationship with major banks survived despite generating almost no traditional revenue. That institutional logic is the same logic that later drove JPMorgan to end its ties with Trump Media, and the contrast between the two cases shows how selectively these standards are applied. In the deposition, Paul Morris—a private banker who handled Epstein's accounts at JPMorgan Chase and later Deutsche Bank—described Epstein's financial profile with unusual precision. Epstein's trading was minimal. His accounts produced limited fees. He was not a high-activity client and did not utilize the investment tools that banks rely on to generate consistent revenue. By every conventional benchmark, he was a low-value account. And yet, the relationship continued. The deposition shows why. Epstein was not retained for his financial performance but for his institutional usefulness. Morris acknowledged that Epstein facilitated introductions to ultra-wealthy individuals that the bank viewed as essential prospects. One example was Leon Black, whom Morris identified as a “priority prospect” because of Black's significant net worth and influence in the investment sector. Epstein introduced the bank to real-estate investor Andrew Farkas and discussed a potential connection involving biotech investor Boris Nikolic, who had ties to Bill Gates. These introductions were specific, documented, and initiated by Epstein, not the bank. This is the key element that many public accounts overlook. Epstein was not being managed as a traditional client. He functioned as a relationship broker inside a system where introductions to power carry more internal value than account-level returns. Source: thegatewaypundit.com  DOGE Geopolitical The EU Leaders Shouting About Visa Bans Are the Same EU Leaders Who Sent Political Operatives Into the U.S. to Support Kamala Harris  EU leaders from across the spectrum of their collective assembly, are furious with the administration of President Donald Trump for restricting their entry into the United States by blocking their visa permissions.  However, these same EU leaders are the people who sent operatives into the United States in order to interfere in our 2024 election. The Vice President of the European Commission, Kaja Kallas, sums up the European position: “The decision by the U.S. to impose travel restrictions on European citizens and officials is unacceptable and an attempt to challenge our sovereignty. Europe will keep defending its values — freedom of expression, fair digital rules, and the right to regulate our own space.” The “attempt to challenge our sovereignty” statement is a particular type of hubris when we consider THIS: GREAT BRITAIN (October 2024) – The British Labour Party is sending approximately 100 current and former staff members to the United States to work for Vice President Kamala Harris' campaign in key swing states. [SOURCE – LINKEDIN] Not only did the U.K attempt to challenge our sovereignty, but they also actively worked to influence the outcome of our national election in 2024. It is worth remembering the British intelligence operation, (Secret Intelligence Service (SIS), commonly known as MI6), was at the center of the Trump-Russia collusion conspiracy in 2016. The first EU political group to be targeted with the visa bans includes French former EU commissioner Thierry Breton, who was one of the architects of the EU's Digital Services Act (DSA). Also: Imran Ahmed, the British CEO of the U.S.-based Center for Countering Digital Hate, Anna-Lena von Hodenberg and Josephine Ballon of the German non-profit HateAid, and Clare Melford, co-founder of the Global Disinformation Index. https://twitter.com/GeneHamilton/status/2004656229684224393?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2004656229684224393%7Ctwgr%5E91706d63d41394916634b106fbd2268d7711e121%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Ftheconservativetreehouse.com%2Fblog%2F2025%2F12%2F27%2Fthe-eu-leaders-shouting-about-visa-bans-are-the-same-eu-leaders-who-sent-political-operatives-into-the-u-s-to-support-kamala-harris%2F https://twitter.com/GeneHamilton/status/2004656234910433405?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2004656234910433405%7Ctwgr%5E91706d63d41394916634b106fbd2268d7711e121%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Ftheconservativetreehouse.com%2Fblog%2F2025%2F12%2F27%2Fthe-eu-leaders-shouting-about-visa-bans-are-the-same-eu-leaders-who-sent-political-operatives-into-the-u-s-to-support-kamala-harris%2F Source: theconservativetreehouse.com https://twitter.com/michaelgwaltz/status/2005058695647166898?s=20 https://twitter.com/visegrad24/status/2005035840934723894?s=20 War/Peace   EIGHT, perhaps the United States has become the REAL United Nations, which has been of very little assistance or help in any of them, including the disaster currently going on between Russia and Ukraine. The United Nations must start getting active and involved in WORLD PEACE!   the United States is capable of doing. Under my leadership, our Country will not allow Radical Islamic Terrorism to prosper. May God Bless our Military, and MERRY CHRISTMAS to all, including the dead Terrorists, of which there will be many more if their slaughter of Christians continues.   DONALD J. TRUMP PRESIDENT OF THE UNITED STATES OF AMERICA Trump Tasks Military With an ‘Oil Quarantine' Against Venezuela, as Economic Pressure Is Chosen for Now Over Military Action Venezuela's oil industry under maximum pressure.   And now that the extended holidays are over, the socialist regime will have to deal with the veritable siege imposed by the US and its unprecedented armada. Venezuela is running out of storage space for its oil production since some ships are being seized and many others turned around and left.  Now, it arises that Donald J. Trump has directed US forces to enforce ‘an oil quarantine' against Venezuela for at least the next two months. These moves lead many to think that the Trump team will focus on economic rather than military means to pressure Caracas into ousting Maduro. Reuters reported:   Read  more: Source: thegatewaypundit.com Trump Blockade Leaves $1 Billion Of Venezuelan Crude Stranded On Tankers  With a two-month “quarantine” placed on Venezuelan oil by the Trump administration in a foreign policy move called “gunboat diplomacy,” new data estimate that roughly $900 million worth of crude is currently loaded on tankers, unable to depart Venezuela due to the U.S. blockade. “Based on our visual analysis from both shore and space, we estimate that there are around 17.5 million barrels of crude oil floating onboard tankers in Venezuela which are unable to depart due to the ongoing US blockade,” independent research Tanker Trackers wrote on X. “That’s around $900M of oil.” https://twitter.com/TankerTrackers/status/2004713684871078162?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2004713684871078162%7Ctwgr%5E016cd45f97095edcd74bb159f40c4e93caf9794d%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.zerohedge.com%2Fcommodities%2Ftrump-blockade-leaves-1-billion-venezuelan-crude-stranded-tankers Source: zerohedge.com Trump to POLITICO: Zelenskyy ‘doesn't have anything until I approve it' Trump's comments come ahead of his Sunday meeting with Zelenskyy, who will bring with him a new 20-point plan to end the war President Donald Trump on Friday cast himself as the ultimate arbiter of any peace deal between Ukraine and Russia, in an exclusive conversation with POLITICO. “He doesn't have anything until I approve it,” Trump said. “So we'll see what he's got.” Source: politico.com https://twitter.com/FoxNews/status/2005352028365848993?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2005352028365848993%7Ctwgr%5E1588e24fb392689513bf7b2f064c646c1bf5f470%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Ftrump-says-russia-ukraine-peace-talks-entering-final%2F  Medical/False Flags 19 Blue States Sue Trump Admin to Preserve Right to Perform Child Sex Changes Last week, Secretary of Health and Human Services Robert F. Kennedy Jr. said he would cut off Medicare and Medicaid funding to any provider that offers so-called gender-affirming treatment to minors. “Under my leadership, and answering President Trump's call to action, the federal government will do everything in its power to stop unsafe, irreversible practices that put our children at risk,” Kennedy said at the time. The Oregon-led lawsuit claims that the decision “exceeds the Secretary's authority and violates the Administrative Procedure Act and the Medicare and Medicaid statutes.” A total of nineteen blue states are suing the Trump administration in a bid to protect the right to perform child sex changes. His office said in a press release: Source: thegatewaypundit.com [DS] Agenda  https://twitter.com/nickshirleyy/status/2004642794862961123?s=20   work way too hard and pay too much in taxes for this to be happening, the fraud must be stopped. https://twitter.com/MAGAVoice/status/2005011311756017964?s=20 https://twitter.com/libsoftiktok/status/2005158623442600391?s=20 https://twitter.com/DataRepublican/status/2005292438114738555?s=20  diabolical. And it’s going to work until we understand that primaries will be more important than generals from here out on. https://twitter.com/C_3C_3/status/2005016429687701811?s=20 https://twitter.com/WarClandestine/status/2005351086115405986?s=20 https://twitter.com/CynicalPublius/status/2005030256382464493?s=20  and your tribe. I spent a lot of my life in the Middle East and Central Asia, working closely with foreign contractors and foreign governments to provide support to American military operations. As a US Army officer with a big checkbook courtesy of Uncle Sam, I can't really count the sheer number of times I was offered bribes to award a contract, or falsify records to do things like create larger (fake) headcounts at places like dining facilities, or to just simply be on the take for future illegal requests. Of course I had enough sense to never comply with such requests. Moreover, they were never explicitly structured as “bribes”; instead it was usually along the lines of “Here I have these Rolexes as gifts for you and your wife to show our friendship.” (Unfortunately, too many US officers and NCOs succumbed to this siren song and ended up breaking rocks in Leavenworth.) The weird thing about this to me was that whenever I turned down such an offering, it was treated as a grave insult. I was the one in the wrong, and not the fraudster trying to bribe me. They considered it rude that I was in their country and refused to accept how things got done. After all, why did I not want to help my tribe by helping their tribe? Let me repeat: in these cultures, FRAUD IS NOT EVEN A CONCEPT. There is only what helps your tribe. Such thought processes are so alien to Americans and much of the West. We are raised on the presumption that our institutions are valid, that the rule of law always prevails, and that integrity is universal. We need these presumptions to have working governments and economies, and without those presumptions—without the mental barrier that causes us not to accept outright fraud—our nation would quickly descend into the economic and social hellscape of countries like…. ummm… you know…. SOMALIA! So when we import people en masse from cultures that accept bribery and fraud as routine, acceptable ways to advance one's tribe, we should not be surprised that things like the $8 BILLION fraud schemes of the Somali population in Minnesota happen so easily. Introducing a fraud-based culture based on tribalism into America is like introducing some sort of lethal virus into a population that has no natural immunity. The virus will spread and grow, unchecked, because it is so alien to the host. Similarly, a culture of fraud is anathema to American thinking, and it must be cut out before it consumes the host. So when you see and hear patriotic Americans decrying what is happening in Minnesota or elsewhere, and when they seek deportation of the offenders, it is not “racism,” it is not “bigotry,” it is not “xenophobia”; instead, it is preserving the American tradition of responsible institutions and national integrity. https://twitter.com/MarioNawfal/status/2005262465190223928?s=20 https://twitter.com/FBIDirectorKash/status/2005305530651189719?s=20   exploiting federal programs. Fraud that steals from taxpayers and robs vulnerable children will remain a top FBI priority in Minnesota and nationwide. To date, the FBI dismantled a $250 million fraud scheme that stole federal food aid meant for vulnerable children during COVID. The investigation exposed sham vendors, shell companies, and large-scale money laundering tied to the Feeding Our Future network. The case led to 78 indictments and 57 convictions. Defendants included Abdiwahab Ahmed Mohamud, Ahmed Ali, Hussein Farah, Abdullahe Nur Jesow, Asha Farhan Hassan, Ousman Camara, and Abdirashid Bixi Dool, each charged for roles ranging from wire fraud to money laundering and conspiracy. These criminals didn't just engaged in historic fraud, but tried to subvert justice as well. Abdimajid Mohamed Nur and others were charged for attempting to bribe a juror with $120,000 in cash. Those responsible pleaded guilty and were sentenced, including a 10-year prison term and nearly $48 million in restitution in related cases. The FBI believes this is just the tip of a very large iceberg. We will continue to follow the money and protect children, and this investigation very much remains ongoing. Furthermore, many are also being referred to immigrations officials for possible further denaturalization and deportation proceedings where eligible. https://twitter.com/ScottPresler/status/2004932316926193933?s=20 https://twitter.com/HarmeetKDhillon/status/2004976287270731981?s=20 https://twitter.com/rising_serpent/status/2005080344610177489?s=20  https://twitter.com/amuse/status/2005092720927232198?s=20  “skeptical jurors” in federal cases involving President Trump. Co-founder Alex Dodds said jurors have “enormous power” to judge the administration itself. Critics report the sessions encourage rigging trials against the administration, conduct plainly barred under 8 USC §1503. President Trump's Plan https://twitter.com/WarClandestine/status/2004653262491058216?s=20 accomplished what no one else could. When we arrived, taxpayers were about to be on the hook for nearly $5 billion for a new headquarters that wouldn't open until 2035. We scrapped that plan. Instead, we selected the already-existing Reagan Building, saving billions and allowing the transition to begin immediately with required safety and infrastructure upgrades already underway. Once complete, most of the HQ FBI workforce will move in, and the rest are continuing in our ongoing push to put more manpower in the field, where they will remain. This decision puts resources where they belong: defending the homeland, crushing violent crime, and protecting national security. It delivers better tools for today's FBI workforce at a fraction of the cost. The Hoover Building will be shut down permanently.  They Got Her: FBI Caught Hillary Clinton Talking Donations with Foreign Felon on Tape As Hillary Clinton closed in on the presidential nomination in the spring of 2016, FBI field officers advised colleagues at headquarters to press her on the foreign donations flowing to the Clinton Foundation while she steered American foreign policy and whether she had used the charity as a campaign piggy bank. But the FBI HQ in Washington — a city in which the former secretary of state and first lady wields enormous influence — let the trail go cold. FBI New York Assistant Director in Charge Diego Rodriguez advised agents in Washington to ask Clinton several questions about the foundation, which are reproduced in full in documents released to the Senate Judiciary Committee by the FBI and published on Dec. 15. The questions reveal the concerns about foreign bribery that the Clinton Foundation case — codenamed “Cracked Foundation” — had uncovered. Among the evidence available to investigators, according to their questions: A recorded conversation between Clinton and Indian hotel magnate Sant Singh Chatwal in which Clinton discussed donations to the foundation and her remaining 2008 campaign debt. The new documents confirm that the FBI had at one time been “intercepting individuals associated with the Clinton Foundation.” Source: westernjournal.com  John Brennan's Lawfare Lawyers are Revealing More Than They Intend   former CIA Director John Brennan are sending proactive letters to the Federal District Court for the Southern District of Florida {SEE HERE}.  However, some of the information included in the letters intended to be exculpatory is actually damning against their defense position. You have to go deep in the weeds to see it but if you understand the details of the events, the information being revealed by Brennan's lawyers is the opposite of helpful to his case.  As an example, there is a citation included in a footnote of the December 22, 2025, [fn #20 page 6] letter that links to a March 31, 2022, letter sent to John Durham. Here's page 6 of the 2025 letter. Compare the underlined section to the 2022 letter sent to John Durham. In 2025 Brennan is telling the Florida court the Intelligence Community Assessment (ICA) conclusion was confirmed by Special Counsel Robert Mueller in a “very serious review.”  However, in 2022 Brennan told John Durham that Robert Mueller never interviewed him or offered an assessment of the ICA; Mueller just regurgitated it. So, which is it? These contradictions are throughout both of the letters when you compare them side-by-side.  In 2022 former CIA Director John Brennan was trying to escape the Durham review.  In 2025 Brennan is trying to escape a grand jury review. [We are aware that the U.S Attorney for the Southern District of Florida, Jason Reding Quiñones, has access to the CTH public library of research into all of these historic events.] There are other citations in the 2022 letter that are certainly worth reviewing because the legally binding statements made by John Brennan at the time have been shown to be false in 2025. Another of the claims in the 2022 letter to John Durham highlights why it was critical for the CIA to assist in the capture and arrest of Julian Assange in 2019. Source: thegatewaypundit.com  Trump: Upcoming Midterms Will Be ‘About Pricing’ The 2026 midterm elections will be “about pricing,” according to President Donald Trump, who said that his administration is restoring the nation’s economy after the condition in which former President Joe Biden left it. “I think it’s going to be about the success of our country,” Trump said in an interview with Politico, the outlet reported Saturday. “They gave us high pricing, and we’re bringing it down. Energy’s way down. Gasoline is way down.” Over the past two weeks, a series of positive economic reports has shown that inflation is decreasing, with the White House highlighting the latest data while addressing cost-of-living concerns nationwide. According to a Politico poll conducted last month, Americans say they are finding that the costs of groceries, utilities, healthcare, housing, and transportation are too expensive. Trump has been fighting to reframe that, however, blaming Democrats under Biden for driving prices up. He said in the interview, conducted Friday, that “electricity is down. It’s way down.” “When the gasoline goes down, and when the oil and gas go down, the electricity comes down naturally,” he said. “But it’s all coming down. It’s all coming down. It’s coming beautifully.” Source: newsmax.com https://twitter.com/WarClandestine/status/2004696380531503505?s=20   the NG will have quick response troops on standby in every state, the FBI building is being moved to a new location, the war between Russia and Ukraine is coming to an end, and all of Trump's pieces will be in place. There seems to be a shift in attitude. I think we are passing into a different phase of the operation. The shadow war will eventually have to come to the surface. 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On Tuesday's Mark Levin Show, WREC's  Ben Ferguson fills in for Mark. President Trump is smashing economic records because of the Big, Beautiful Bill. This is the result of bold leadership—tax cuts that put money back in your pocket and tariffs that put America first. The numbers don't lie: billions of dollars have flowed into the economy since Trump took office. The media won't tell you this. They're too busy fearmongering about inflation. Yes, the price index rose 2.8 percent—big deal. Some economists warn about interest rates, but the fundamentals are strong. Growth is real, and it proves the America First agenda works—better than anything Biden could ever dream of. Compare this to Biden's disaster—his stagflation nightmare. Trump has crushed that tenfold. He's delivering prosperity while Biden would have delivered misery. The fake news media will keep lying, keep spinning, and try to scare you. But the truth is undeniable: Trump is making historic, record-breaking changes to our economy, and the American people are winning because of it. Learn more about your ad choices. Visit podcastchoices.com/adchoices