Podcasts about costs

John Waters exposes the satanic globalists flooding our Christian lands with chaos, from Ireland's invasion to America's betrayal! We're arming you with raw truth to crush these demons and reclaim our nations! Americans are being slaughtered by the poisoned food, water, air, and Big Pharma's death drugs, all by design from the globalist killers running the show. But red light therapy is the real deal breakthrough smashing their medical racket, curing everything from cancer to vaccine injuries without lining their filthy pockets. Charlie Kirk's blood is on the hands of the Jewish elite who couldn't buy his soul, and now their gag orders and fake narratives are crumbling under the weight of truth. AZAPAC is our battle cry, uniting true patriots to dismantle the Zionist stranglehold and save America from these globalist demons!   Western civilization has been infected by a parasitic invasion of foreign ideals and values that have been introduced into our culture by strange and morally degenerate people whose goal is world domination. We have been OCCUPIED. Watch the film NOW! https://stewpeters.com/occupied/ Stop the Tricks. $20 off for your first year. The government's tricking you, but we're treating you with real information and big savings. Sign up today and don't miss what they don't want you to know.

In this engaging podcast episode of SuperPsyched, host Dr. Adam Dorsay interviews Dr. Louis Cozolino, a leading psychologist and professor at Pepperdine University, about the effectiveness and mechanisms of psychotherapy. They delve into how psychotherapy works, its impact on the brain, and the roles of various therapeutic modalities. Dr. Cozolino shares personal anecdotes and insights into his journey into psychology, the importance of feeling both safe and challenged in therapy, and the significance of neuroplasticity in mental health. The episode also discusses the therapeutic process, the value of listening, and the balance between challenge and support in effective therapy.00:00 Welcome to SuperPsyched00:29 The Evolution of Therapy01:02 Introducing Dr. Louis Cozolino02:17 Lou's Journey to Psychology04:57 The Impact of Books06:03 Understanding Psychotherapy Modalities09:43 Neuroplasticity and Therapy12:46 The Power of EMDR20:04 Choosing the Right Therapist28:41 The Subjectivity of Therapy29:48 The Role of Workbooks in Therapy30:46 The Magic and Mystery of Therapy31:39 Core Beliefs and Rewriting Narratives32:22 Buddhist Philosophy and Neuroscience33:44 Therapy and Childhood Memories35:46 The Costs and Benefits of Reconnecting36:45 Neural Networks and Symptomatic Behavior38:09 The Role of Parents and Environment39:19 The Complexity of Therapy41:41 Feeling Felt in Therapy44:33 Balancing Safety and Challenge49:16 The Importance of Listening53:32 Final Thoughts and ResourcesHelpful Links:Dr. Louis Cozolino WebsiteDr. Louis Cozolino PepperdineThe Neuroscience of Psychotherapy: Healing the Social Brain Book

SummaryThe guys discuss the challenges faced by tradespeople in the heating and plumbing industry, particularly focusing on the rising costs of materials and how these affect pricing and customer relationships. They explore the impact of seasonal changes on their work, the necessity of adapting to market fluctuations, and the importance of clear communication with clients regarding price adjustments. Additionally, they touch on innovative product solutions that can help mitigate some of these challenges.TakeawaysMaterial costs have significantly increased, affecting pricing strategies.Maintaining quality while managing costs is a key challenge.Communication with customers about price changes is essential.Understanding supplier pricing is important for accurate bids.Customer expectations must be managed during price fluctuations.The industry is facing challenges that are not unique to any one trade. Send us a textSend us your feedback or topic ideas over on our social channels!Eric Aune @mechanicalhub Andy Mickelson @mick_plumbNewsletter sign up: https://bit.ly/MH_email

We've all been there, holding on because it feels like giving up means failure. But sometimes, waving that white flag is the bravest thing you can do. In this episode, I talk about how a song that is pushing you to “stay strong” but that can quietly turn into self-sacrifice, and why letting go doesn't make you weak. It makes you free. Watch the Music Video here! - - - - - - - - Want that chapter checklist just Click Here! For more information on the the "From Devastated to Divorced" Course, click the HERE! Find the Prompt Journal Digital Downloads HERE! ( but they there are also included in the course, YES all 5!) Great news! Now you can find everything you need in one spot! want to listen to this podcast off of apple, visit www.JosieFalcon.com Want to know about my services, you guessed it visit www.JosieFalcon.com you can email me at CoachJFalcon@gmail.com If you want to just send me a quick note, you can find me on Instagram https://www.instagram.com/Josie.Falcon And lastly, If you would like to interact with me and share with others please join my Facebook group  "Separation, Divorce & Starting Over"

In episode 112 of Going Forward, Eric Elliott is joined by Michael Scarpati, co-founder and CEO of RetireUS, to expose the hard truths behind financial planning today. From the myth of “set it and forget it” retirement accounts to the hidden toll of financial stress, he explains why doing nothing may be the most dangerous decision of all.Together, they unpack why 85% of financial professionals aren't required to act in your best interest, how trust in big-name institutions can leave families vulnerable, and why financial wellness is really a form of mental wellness. As Michael shares, financial stress doesn't stay in your bank account, it bleeds into your health, relationships, and leadership.Eric and Michael dive into how fintech is opening access for the 98%, how independent fiduciaries are reshaping trust, and why clarity with money is the key to leading with confidence in uncertain times. Whether you're early in your career, preparing for retirement, or leading a business through chaos, this conversation will give you the clarity to stop "crockpotting" your future and start planning it with intention.Connect w/ Eric Elliott:Website: https://ericelliott.com/⁠⁠⁠LinkedIn: https://www.linkedin.com/in/eric-elliott-45704745/Instagram: https://www.instagram.com/ericmelliott/Twitter: https://x.com/ericmelliottLinktree: https://linktr.ee/ericmelliottEmail: Eric@EricElliott.comText: 843-279-5843Connect w/ Michael Scarpati:Website: https://retire.us/LinkedIn: https://www.linkedin.com/in/michael-a-scarpati/Instagram: https://www.instagram.com/retire.usSupercharge your online advertising campaigns with Optmyzr!Streamline management, optimize performance, and boost your ROI. Visit ⁠⁠⁠⁠https://hs.optmyzr.com/hs/vip⁠⁠⁠⁠ to discover how Optmyzr can revolutionize your digital marketing.Also, as a special treat for our listeners, sign up with the code GOINGFORWARD20 and enjoy an exclusive 20% discount on your first year with Trainual! Seize this opportunity to supercharge your operations and propel your business forward!Eric Elliott is a self-made entrepreneur and marketing expert with extensive experience crafting impactful brand narratives for clients across industries. He is the founder of VIP Marketing and Craft Creative. In 2009, Mr. Elliott started VIP Marketing with almost no resources. VIP now has a global team and is recognized as one of the top branding agencies in the USA by Clutch.co. He founded Craft Creative in 2015, a full-service video production company providing premium services to clients across the US. Eric is also the host of Going Forward, a podcast moving conversations with entrepreneurs and leaders that inspire, motivate, and challenge you to embrace possibility and make a difference. Mr. Elliott is the author of numerous articles and an active contributor to Entrepreneur Magazine, Forbes, and Medium. Recognized as a pillar of his community, the city of North Charleston established Eric Elliott Day to honor his name and legacy to inspire others.Going Forward is brought to you by ⁠VIP Marketing⁠.VIP Marketing is a law firm marketing agency based in Charleston, SC. Our mission is to partner with our clients to make them the choice in their market, not just a choice. We're focused on helping them thrive in the digital age by providing a comprehensive suite of services specifically tailored to their needs including: digital marketing services such as SEO and PPC; brand strategy and identity design; website design and development; and premium video production. At VIP Marketing, we elevate the marketing presence of law firms, helping them stand out in competitive markets.

Subscribe to UnitedHealthcare's Community & State newsletter.Health Affairs' Rob Lott interviews Matthew Maughan of Brown University about his paper exploring how commercial insurers paid more for procedures at hospital outpatient departments as compared to ambulatory surgical centers. Order the October 2025 issue of Health Affairs.Currently, more than 70 percent of our content is freely available - and we'd like to keep it that way. With your support, we can continue to keep our digital publication Forefront and podcast Subscribe to UnitedHealthcare's Community & State newsletter.

This is a free preview of a paid episode. To hear more, visit abbieattwoodwellness.substack.comRagen Chastain is back to continue our conversation about weight, health, and diet culture — this time answering listener questions about the GLP-1s you've been hearing so much about: Wegovy, Ozempic, and other weight-loss drugs.Following up on last week's episode, Ragen helps us separate hype from reality. We dive into how these drugs actually work — and don't — their risks and side effects, and the broader context around the pharmaceutical industry and public discourse on weight.In this episode, we cover:What GLP-1s actually are and how they function in the bodyThe side effects and potential health risks of these drugsHow effective they really are for long-term weight managementWhat happens when weight loss plateaus while taking themThe impact of pharma companies, marketing, and the weight-loss industryThe shortages affecting diabetics who rely on GLP-1s for medical reasonsTune in to get a clear, evidence-based perspective on the weight-loss drug craze, and to continue unpacking the bigger conversation about weight, health, and stigma.Support the show: Enjoying this podcast? Please support the show on Substack for bonus episodes, community engagement, and access to "Ask Abbie" at abbieattwoodwellness.substack.com/subscribe Apply for Abbie's Group Membership:Already been at this anti-diet culture thing for a while, but want community and continued learning? Apply for Abbie's monthly membership: https://www.abbieattwoodwellness.com/circle-monthly-group Social media:Find the show on Instagram: @fullplate.podcastFind Abbie on Instagram: @abbieattwoodwellness Podcast Cover Photography by Anya McInroyPodcast Editing by Brian WaltersThis podcast is ad-free and support comes from your support on Substack. Subscribe HERE.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1846: Kalen Bruce breaks down the complex process of estimating startup costs into a practical, strategic approach for new entrepreneurs. By categorizing expenses, leveraging online tools, and maintaining conservative projections, he shows how to build a realistic financial foundation while avoiding unnecessary debt and cultivating resilience in the face of uncertainty. Read along with the original article(s) here: https://moneyminiblog.com/business/estimate-costs-of-starting-a-business/ Quotes to ponder: "Interest rates are a dark cloud that looms over your business and the last thing you should do is ignore it." "Plan changes as the financial winds turn, and that is the name of the game if you want to succeed." "Always aim for a conservative assessment. It will help you secure what is called a financial cushion that covers up to one year of business expenses." Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on our show:Walmart Partners With OpenAI, Cannot Hold Back the TideS&P Global Puts Tariff Costs at $1.2T This YearSalesforce Partners With OpenAISaks Struggles to Deliver in Q2- and finally, The Investor Minute which contains 5 items this week from the world of venture capital, acquisitions, and IPOs.Today's episode is sponsored by Mirakl.https://www.rmwcommerce.com/ecommerce-podcast-watsonweeklyThis podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

The guys discuss why the best way to avoid eating dry cereal is to get yourself two VR headsets, when curbside vending truly defines the wealth of a rural community, and how a total unwillingness to pay the pizza delivery girl almost always results in death. 

The Gospel isn't always “safe”—Fr. Brad unpacks how living your faith boldly can shake systems and change hearts.Morning Offering, October 18, 2025Every morning, join Father Brad as he begins the day with prayer and reflection. In a few short minutes, Father Brad guides you in prayer, shares a brief reflection grounding your day in the Church's rhythm of feast days and liturgy, and provides you with the encouragement necessary to go forward with peace and strength. Disclaimer: The ads shown before, during, or after this video have no affiliation with Morning Offering and are controlled by YouTubeLet us do as the saints urge and begin our days in prayer together so as a community of believers we may join the Psalmist in saying, “In the morning, Lord, you hear my voice; in the morning I lay my requests before you and wait expectantly.” (Psalm 5:3-4)________________

Since the 1990s, healthcare has been at the heart of America's political debate and it's still being contested today. Why is our health system so complicated? And how can we fix it? To help demystify it, Dr. Sanjay Gupta talks to Elisabeth Rosenthal, the doctor turned health journalist who wrote, An American Sickness: How Healthcare Became Big Business and How You Can Take It Back. This episode was produced by Sofía Sanchez and Leying Tang Medical Writer: Andrea Kane Showrunner: Amanda Sealy Senior Producer: Dan Bloom Technical Director: Dan Dzula Learn more about your ad choices. Visit podcastchoices.com/adchoices

Russia Debates Orbit and Costs for Post-ISS Space Station. Anatoly Zak explains how Roscosmos faces a debate over the orbit of its new space station: a low-inclination 51-degree orbit or a more expensive near-polar orbit. The polar orbit offers strategic Arctic observation but increases radiation risk and reduces payload capacity. Economic realities may push Roscosmos toward the cheaper 51-degree orbit, possibly using existing ISS infrastructure, to ensure an operational station for cosmonauts by 2031. 1957

Russia Debates Orbit and Costs for Post-ISS Space Station. Anatoly Zak explains how Roscosmos faces a debate over the orbit of its new space station: a low-inclination 51-degree orbit or a more expensive near-polar orbit. The polar orbit offers strategic Arctic observation but increases radiation risk and reduces payload capacity. Economic realities may push Roscosmos toward the cheaper 51-degree orbit, possibly using existing ISS infrastructure, to ensure an operational station for cosmonauts by 2031. 1954

Wall Street's Favorable View of Rocket Lab Stock Bob Zimmerman Bob Zimmerman reports that Rocket Lab stock received a very favorable review from Wall Street analysts like Morgan Stanley. The company is not yet profitable due to development costs for the Neutron rocket, but analysts view it as a good buy because it has signed numerous new launch contracts, securing its bright future launching low Earth orbit satellites. The Necessity of Coal for AI Data Centers Salena Zito Salena Zito discusses visiting a modern coal mine and the renewed necessity of coal. She emphasizes that AI needs coal, as data centers require reliable, strong base load energy, which is provided by natural gas, nuclear, and coal. Coal is also vital for defense and steel manufacturing, confirming that coal is not dead. 1955

CBS EYE ON THE WORLD WITH JOHN BATCHELOR 29224 THE SHOW BEGINS IN THE DOUBTS ABOUT THE ESCALATION OF RHETORIC IN THE UKRAINE WAR,.. FIRST HOUR 9-915 US-Russia Summit in Budapest Amid Ukraine Escalation Fears. Anatol Lieven discusses how US President Trump and Russian President Putin agreed to meet in Budapest to discuss ending the Ukraine conflict following a productive call. The meeting, hosted in Viktor Orbán's Hungary, aims to reduce extreme tensions and avoid direct clashes between Russia and NATO. Discussion points include potential territorial compromise in Donbas and concerns over deploying Tomahawk missiles, which Russia views as a major escalation. 915-930 US-Russia Summit in Budapest Amid Ukraine Escalation Fears. Anatol Lieven discusses how US President Trump and Russian President Putin agreed to meet in Budapest to discuss ending the Ukraine conflict following a productive call. The meeting, hosted in Viktor Orbán's Hungary, aims to reduce extreme tensions and avoid direct clashes between Russia and NATO. Discussion points include potential territorial compromise in Donbas and concerns over deploying Tomahawk missiles, which Russia views as a major escalation. 930-945 China's Tech Espionage and the Difficulty of Reverse Engineering Advanced Chip Tools. Chris Riegel discusses how TSMC and ASML technology face constant threats from Chinese industrial espionage. ASML's chipmaking tools are highly complex, making reverse engineering nearly impossible. Europe is waking up to the risks; recently, the Dutch government seized China-owned chipmaker Nexperia. China is estimated to be two to three years behind US high-end chip technology and requires access to advanced ASML tools to catch up. 945-1000 Hostage Situation and Political Realities in Gaza Ceasefire. Cliff May explains how the Gaza ceasefire focuses on the return of hostages, with 19 (including two Americans) still unaccounted for. Hamas is suspected of withholding hostages to retain bargaining power and resist relinquishing political control in phase two of the peace plan. Rhetoric about regional forces disarming Hamas is dismissed. May notes that in the Middle East, there are only permanent battles, viewing the current truce as a hudna, allowing jihadists to regroup and rearm. SECOND HOUR 10-1015 US Escalates Pressure on Maduro Following Machado's Nobel Prize. Evan Ellis discusses how, following the Nobel Peace Prize awarded to opposition leader María Corina Machado, the US escalated pressure on Venezuela. President Trump authorized CIA operations, coupled with naval deployments and B-52 overflights, to pressure the Maduro regime. The goal is triggering a tipping point where Maduro's inner circle calculates that leaving is preferable to facing US action. Separately, Peru's President Boluarte was ousted due to corruption and the nation's struggle with extreme urban violence and illegal mining. 1015-1030 US Escalates Pressure on Maduro Following Machado's Nobel Prize. Evan Ellis discusses how, following the Nobel Peace Prize awarded to opposition leader María Corina Machado, the US escalated pressure on Venezuela. President Trump authorized CIA operations, coupled with naval deployments and B-52 overflights, to pressure the Maduro regime. The goal is triggering a tipping point where Maduro's inner circle calculates that leaving is preferable to facing US action. Separately, Peru's President Boluarte was ousted due to corruption and the nation's struggle with extreme urban violence and illegal mining. 1030-1045 US Escalates Pressure on Maduro Following Machado's Nobel Prize. Evan Ellis discusses how, following the Nobel Peace Prize awarded to opposition leader María Corina Machado, the US escalated pressure on Venezuela. President Trump authorized CIA operations, coupled with naval deployments and B-52 overflights, to pressure the Maduro regime. The goal is triggering a tipping point where Maduro's inner circle calculates that leaving is preferable to facing US action. Separately, Peru's President Boluarte was ousted due to corruption and the nation's struggle with extreme urban violence and illegal mining. 1045-1100 US Escalates Pressure on Maduro Following Machado's Nobel Prize. Evan Ellis discusses how, following the Nobel Peace Prize awarded to opposition leader María Corina Machado, the US escalated pressure on Venezuela. President Trump authorized CIA operations, coupled with naval deployments and B-52 overflights, to pressure the Maduro regime. The goal is triggering a tipping point where Maduro's inner circle calculates that leaving is preferable to facing US action. Separately, Peru's President Boluarte was ousted due to corruption and the nation's struggle with extreme urban violence and illegal mining. THIRD HOUR 1100-1115 Iran's Women-Led Uprising: Origins, Brutality, and Defiance. Nilo Tabrizy discusses how the Iranian women-led uprising, detailed in For the Sun After Long Nights, was triggered by the 2022 murder of Mahsa Amini by the morality police. The slogan "Woman, Life, Freedom" (Zan, Zendegi, Azadi) is the rallying cry. The regime's brutality is severe, suppressing protests through executions. The Islamic Revolutionary Guard Corps (IRGC) acts as an octopus, maintaining control across society. Defiance continues today, demonstrated by women actively ignoring state-mandated dress codes. 1115-1130 Iran's Women-Led Uprising: Origins, Brutality, and Defiance. Nilo Tabrizy discusses how the Iranian women-led uprising, detailed in For the Sun After Long Nights, was triggered by the 2022 murder of Mahsa Amini by the morality police. The slogan "Woman, Life, Freedom" (Zan, Zendegi, Azadi) is the rallying cry. The regime's brutality is severe, suppressing protests through executions. The Islamic Revolutionary Guard Corps (IRGC) acts as an octopus, maintaining control across society. Defiance continues today, demonstrated by women actively ignoring state-mandated dress codes. 1130-1145 Iran's Women-Led Uprising: Origins, Brutality, and Defiance. Nilo Tabrizy discusses how the Iranian women-led uprising, detailed in For the Sun After Long Nights, was triggered by the 2022 murder of Mahsa Amini by the morality police. The slogan "Woman, Life, Freedom" (Zan, Zendegi, Azadi) is the rallying cry. The regime's brutality is severe, suppressing protests through executions. The Islamic Revolutionary Guard Corps (IRGC) acts as an octopus, maintaining control across society. Defiance continues today, demonstrated by women actively ignoring state-mandated dress codes. 1145-1200 Iran's Women-Led Uprising: Origins, Brutality, and Defiance. Nilo Tabrizy discusses how the Iranian women-led uprising, detailed in For the Sun After Long Nights, was triggered by the 2022 murder of Mahsa Amini by the morality police. The slogan "Woman, Life, Freedom" (Zan, Zendegi, Azadi) is the rallying cry. The regime's brutality is severe, suppressing protests through executions. The Islamic Revolutionary Guard Corps (IRGC) acts as an octopus, maintaining control across society. Defiance continues today, demonstrated by women actively ignoring state-mandated dress codes. FOURTH HOUR 12-1215 US Military Pressure Campaigns Maduro Amid Silence from Regional Allies. Mary Anastasia O'Grady explains how Venezuela's illegitimate leader, Maduro, faces escalating pressure from the US, including a Navy flotilla, B-52 flights, and authorized CIA operations. The goal is to compel Maduro and his generals, who profit from transnational crime, to flee. The silence from traditional allies like Russia and China suggests they lack political justification to defend Maduro's record. However, Mexico's president offered no comment regarding Nobel Peace Prize winner María Corina Machado, reflecting leftist sympathies. 1215-1230 Tariffs Harm Consumers, Reduce Hiring, and Cause Customs Backlogs. Veronique De Rugy explains how tariffs are costing American consumers and businesses over 80% of the expense, leading to higher prices and reduced corporate margins. The tariff policy is harming the job market, causing 40% of CEOs to pause hiring and investments. Customs authorities are overwhelmed by the volume of small packages now requiring assessment, causing significant backlogs and lost goods for consumers. Special interests are expanding the tariff application to derivative products, such as peanut butter packaged in metal containers. 1230-1245 Russia Debates Orbit and Costs for Post-ISS Space Station. Anatoly Zak explains how Roscosmos faces a debate over the orbit of its new space station: a low-inclination 51-degree orbit or a more expensive near-polar orbit. The polar orbit offers strategic Arctic observation but increases radiation risk and reduces payload capacity. Economic realities may push Roscosmos toward the cheaper 51-degree orbit, possibly using existing ISS infrastructure, to ensure an operational station for cosmonauts by 2031. 1245-100 AM Russia Debates Orbit and Costs for Post-ISS Space Station. Anatoly Zak explains how Roscosmos faces a debate over the orbit of its new space station: a low-inclination 51-degree orbit or a more expensive near-polar orbit. The polar orbit offers strategic Arctic observation but increases radiation risk and reduces payload capacity. Economic realities may push Roscosmos toward the cheaper 51-degree orbit, possibly using existing ISS infrastructure, to ensure an operational station for cosmonauts by 2031.

 Headlines: – Welcome to Mo News (02:00) – White House Announces Proposal Seeking to Make IVF More Affordable (06:00) – ​​Trump to Meet Putin For Another Summit To End War in Ukraine (10:30) – President Issues New Warning To Hamas (17:00) – NYC Mayoral Debate Takeaways (19:20) – Former National Security Adviser John Bolton Indicted Over Handling of Classified Information (26:00) – Government Shutdown Shows No Signs Of Ending (29:30) – OpenAI's ChatGPT Will Soon Allow ‘Erotica' For Adults in Major Policy Shift (31:45) – What We're Watching, Reading, Eating (35:40) Thanks To Our Sponsors:  – ⁠LMNT⁠ - Free Sample Pack with any LMNT drink mix purchase –⁠ Industrious⁠ - Coworking office. 50% off day pass | Promo Code: MONEWS50 – Incogni - 60% off an annual plan| Promo Code: MONEWS – Factor Meals – 50% your first box plus free shipping | Promo Code: monews50off – Monarch Money - 50% off your first year | Promo Code: MONEWS – Shopify – $1 per-month trial | Code: monews – ⁠Boll & Branch⁠ – 15% off, plus free shipping on your first set of sheets – Leesa – 25% off mattress, plus extra $50 off | Promo Code: MONEWS – BetterHelp – 10% off your first month

John Bolton, a former Trump national security adviser and now a vocal critic of Trump, has been indicted on 18 counts related to violations of the Espionage Act. Here's what Bolton is accused of doing with government documents and how the president reacted.  Plus, President Donald Trump and Russian President Vladimir Putin are scheduled to meet for a second time. Learn where the meeting will take place and what Trump commented about a long phone call with the Russian leader.  And Trump announced plans to lower the cost of in vitro fertilization. How the government is partnering with the largest manufacturer to reduce fertility drug prices. These stories and more highlight your Unbiased Updates for Friday, October 17, 2025.

HEADLINE: Russian War Economy Stalls as Oil Prices Decline and Sanctions Bite GUEST NAME: Michael Bernstam SUMMARY: Michael Bernstam reports that the Russian economy is struggling as global oil prices decline and sanctions increase transportation costs, leading to a $13 to $14 per barrel discount on Russian oil. The "military Keynesianism" economy is exhausted, resulting in staff cuts across industrial sectors. Forecasts indicate contraction in late 2025 and 2026, with the IMF lowering its growth projection for 2025 to 0.6%. Russia is avoiding sanctions by routing payments through neighbors like Kyrgyzstan, who have become major financial hubs. 1945

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Yo Kwon, CEO at Voltaire.Claims. Together, we pull back the curtain on how enterprise operations (and in particular finance and insurance operations) are being reinvented – not tomorrow, but right now. KEY TAKEAWAYS           ·       I was working with my co-founder on Ai technology trying to work out what would be applicable for wider businesses. While we were testing ideas someone was using one of our products to write claims letters. ·       Adjustors don't enjoy writing claims letter, especially denials, they lean heavily on templates and cheat sheets to figure out the clauses to cite, so small mistakes and big ones can slip though. Voltaire generates each letter from scratch, it doesn't take shortcuts which removes the room for error.  ·       Litigation alone adds an average of $10,718 per claim in loss adjustment expense, we projects Voltaire can reduce litigated claims by 10% or more through more defensible correspondence. Even a conservative 5% improvement in leakage through clearer letters translates to $320,00 in recovered value.  ·       We include critical guardrails. If an adjustor requests a denial letter but there's no valid policy exclusion that exists to support the denial, the system returns ‘no relevant policy language was found'. This prevents a wrongful denial or compliance violation before it happens. BEST MOMENTS  ‘Before I started this company I did not think this would be a problem in 2025, and this is a problem because of the complexities of claims.'  ‘Whenever productivity is measured, people will choose speed over compliance, I'd go far as to say most adjustors never actually learn the correct way to write a claims letter.' ‘Claims managers and adjustors have told us the AI is teaching them things about policies that they've never known before.' ‘Our approach treats compliance as a product feature, not an afterthought.' ABOUT THE GUESTS Yo Kwon is the Co-Founder and CEO of Voltaire.Claims, where he leads the development of cutting-edge AI solutions that transform insurance correspondence. With deep expertise in artificial intelligence, decentralized systems, and cybersecurity, Yo brings a rigorous technical perspective to one of the industry's most overlooked but high-impact challenges: claims letter automation. Under his leadership, Voltaire has built a lightweight, API-driven platform that integrates seamlessly with core systems like Guidewire to deliver accurate, regulator-compliant claim letters in seconds. LinkedIn ABOUT THE HOST Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew a venture lab that accelerates the curation, validation, & commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers, accelerated over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner.   Twitter LinkedIn Instagram Facebook  TikTok Email Website This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Most business owners overspend on ads without even realizing it. Kris Krohn exposes why some companies pay a fraction of what others do, and still get better results. Learn how to lower your advertising costs, master Facebook Ads, and dominate your market with high-performance campaigns that convert. This episode is your guide to scaling smarter, not spending harder.

Speculating on the next Warhammer 40k edition! When will 11th Ed. drop in 2025 and what new rules or factions will it bring? Costs of running a game store https://spikeybits.com/game-store-fails-hidden-cost-of-gaming-tables/ Bourbon & Bolters Retreat: LVO Tickets On Sale Now! Monument Hobbies has some of the best paints in the business: Get yours here Get your hobbies for less from Fabricators Forge   J15 Games Has Your Game Aids, Tokens and Templates! Get them here:  Join our Discord Heretic Swag Essential Hobby Products & Tools List  Buy Wyatt's Miniature:  Table of Contents 00:00 Opening 03:38 News 71:26 11th Edition Welcome to , a new place for bringing the hobby back to wargaming! A podcast hosted by Rob Baer, Kenny Boucher & Wyatt Turk. Become a Veteran of the Long War! http://thelongwar.net/

Marta Norton reflects on the government shutdown so far and the market's reaction. She expects us to hit a new record for the length of the shutdown but notes that it is “still viewed as temporary.” However, she notes that some costs will begin to escalate, particularly in industries like airlines. Marta also discusses the risks of a prolonged U.S./China trade war as things start to escalate again.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Charting the Future of AI Storage Infrastructure In this episode, Solidigm Director of Strategic Planning Brian Jacobosky guides listeners through a tech-forward conversation on how storage infrastructure is helping redefine the AI-era data center. The discussion frames storage as more than just a cost factor; it's also a strategic building block for performance, efficiency, and savings. Storage Moves to the Center of AI Data Infrastructure Jacobosky explains how, in the AI-driven era, storage is being elevated from a forgotten metric like “dollars per gigabyte” to a core priority: maximizing GPU utilization, managing soaring power draw, and unlocking space savings. He illustrates how every watt and every square inch counts. As GPU compute scales dramatically, storage efficiency is being engineered to enable maximum density and throughput. High-Capacity SSDs as a Game-Changer Jacobosky spotlights Solidigm D5-P5336 122TB SSDs as emblematic of the shift. Rather than a simple technical refresh, these drives represent a tectonic realignment in how data centers are being designed for huge capacity and optimized performance. With all-flash deployments offering up to nine times the space savings compared to hybrid architectures, Jacobosky underscores how SSD density can enable more GPU scale within fixed power and space budgets. This could even unlock achieving a 1‑petabyte SSD by the end of the decade. Embedded Efficiency The episode brings environmental considerations to the forefront. Jacobosky shares how an “all‑SSD” strategy can dramatically slash physical footprints as well as energy consumption. From data center buildout through end of lifecycle drive retirement, efficiency is driving both operational cost savings and ESG benefits — helping reduce concrete and steel usage, power draw, and e‑waste. Pioneering Storage Architectures and Cooling Innovation Listeners learn how AI-first innovators like Neo Cloud-style providers and sovereign AI operators lead the charge in deploying next-generation storage. Jacobosky also previews the Solidigm PS-1010 E1.S form factor, an NVIDIA fanless server solution that enables direct‑to‑chip Cold-Plate-Cooled SSDs integrated into GPU servers. He predicts that this systems-level integration will become a standard for high-density AI infrastructure. Storage as a Strategic Investment Solidigm challenges the notion that high-capacity storage is cost prohibitive. Within the framework of the AI token economy, Jacobosky explains that the true measure becomes minimizing cost per token and time to first token and, when storage is optimized for performance, capacity, and efficiency, the total cost of ownership (TCO) will often prove favorable after the first evaluation. Looking Ahead: Memory Wall, Inference Workloads, Liquid Cooling Jacobosky ends with a look ahead to where storage innovation will lead in the next five years. As AI models grow in size and complexity, he argues, storage is increasingly acting as an extension of memory, breaking through the “memory wall” for large inference workloads. Companies will design infrastructure from the ground up with liquid-cooling, future-scalable storage, and storage that supports massive model deployments without compromising latency. This episode is essential listening for data center architects, AI infrastructure strategists, and sustainability leaders looking to understand how storage is fast-becoming a defining factor in AI-ready data centers of the future.

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored and reported by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Divorcing a narcissist isn't just hard — it's war. In this powerful episode of the Enough Is Enough Podcast, Dr. David E. Clarke exposes the 10 shocking emotional, financial, and spiritual costs that come with ending a marriage to a narcissistic abuser. You'll learn: ✅ Why narcissists fight dirty during divorce — and how to prepare. ✅ The hidden emotional toll most victims never see coming. ✅ How to protect your children and your faith through the chaos. ✅ The truth about what the Bible really says about leaving an abusive marriage. ✅ How to heal, rebuild, and finally break free from the narcissistic cycle. Dr. Clarke combines 40 years of Christian counseling experience with biblical truth and practical steps to help you stand strong, reclaim your peace, and build a new life after narcissistic abuse.

This episode of the Tactical Living Podcast, hosted by Coach Ashlie Walton and Sergeant Clint Walton, takes a raw look at one of the most common survival tools in first responder culture (Amazon Affiliate): emotional containment. In the field, shutting down your feelings can keep you sharp, focused, and alive. But at home, that same survival skill can quietly dismantle relationships and leave you feeling disconnected from the people who matter most. 1. Why Emotional Containment Is Rewarded on the Job In high-stakes environments, suppressing emotions allows for clear decision-making. Staying calm under pressure earns respect and trust from peers and the public. 2. The Cost of Carrying It Home What works in chaos becomes damaging in calm environments. Emotional shutdown at home can look like detachment, irritability, or disinterest. Loved ones often interpret this as rejection, not protection. 3. The Cumulative Toll on Relationships Over time, partners and children may stop seeking emotional connection. Emotional distance leads to miscommunication, resentment, and eventual isolation. Containment that once kept you safe can make you feel like a stranger in your own home. 4. Recognizing When Containment Has Become Habit Difficulty identifying or naming your own emotions. Automatically minimizing others' feelings to avoid discomfort. Feeling flat or numb even during joyful moments. 5. Steps to Safely Reopen Emotion Without Losing Control Create decompression rituals between work and home to transition gradually. Practice vulnerability in small doses with people you trust. Use journaling or counseling to process what you've suppressed. Let loved ones know that your distance isn't disinterest—it's habit, not heart. Remember that feeling your emotions doesn't make you unsafe—it makes you human.

As we push through another year, most of us are juggling goals, deadlines, and plenty of to-dos. But what if the most meaningful addition to your plate this year doesn't cost a cent, and ends up being the most rewarding thing you do? In this quick, five-minute Pocket Sized Pep Talk, I'll share a lesson from my father, a lifelong Lion, about the kind of giving that goes beyond money. You'll hear why time, presence, and even the smallest acts of kindness can become the ultimate gift, both for others and for yourself.

What if getting fired 20 times wasn't failure—but the exact preparation you needed to build something meaningful? James Rowe went from serial job-hopper (yes, 20+ jobs) to founder of TRE – The Recruitment Experts, a platform generating £1.7-2M annually with just 5 head office staff supporting 18+ independent recruiters. His 70/30 split model is changing how recruitment businesses operate: there is no office rent, no salary guarantees, and no managing underperformers. Experienced recruiters keep 70% of fees while TRE handles the CRM, automation, AI tools, and back-office admin. In this episode, recorded in person in London, you'll discover: The exact 70/30 model that eliminates traditional agency overhead while scaling revenue How James's backfilling campaign uses Clay, ChatGPT, and Phantom Buster to automate outreach (and why one version backfired) Lead magnet strategies hitting 50% response rates with warm clients The two email tactics that boosted responses 20% (hint: one involves typing "Sent from my iPhone") Why general recruiters won't survive the AI wave—and why niche specialists with strong databases will thrive The mindset shift from employee to entrepreneur, and why resilience beats talent Key Timestamps: 5:14 - From 20 firings to recruitment during COVID 14:01 - The 70/30 model explained 29:02 - Automation campaigns that actually work 40:54 - Two email tips that changed everything 56:06 - Why resilience and community matter most About James Rowe: James is the Managing Director of The Recruitment Experts (TRE), helping experienced recruiters launch independent businesses within 4 days. A semi-professional rugby player turned ultra-marathon runner (he recently completed 65 miles!), James applies the same discipline to business systems, AI automation, and helping recruiters break free from the 9-5. Resources Mentioned: Clay.com Lemlist ChatGPT Phantom Buster Want help scaling YOUR recruitment business? Get Mark's FREE 30-minute strategy call: www.RecruitmentCoach.com/strategy-session Subscribe to The Resilient Recruiter for weekly interviews with top recruitment professionals sharing proven strategies to grow your agency.

We're taking some time to highlight our best Gymsplain Episodes. In this episode Garrett and Jill tackle a topic most of us face at some point: moving! After their conversation on home buying, they're back to talk about the financial and emotional costs of relocating. With Garrett's recent move and Jill's wealth of moving experiences, they're here to chat about everything from the dollars and cents to the rollercoaster of emotions that come with a move. From planning hacks to budget-friendly strategies, this episode has got you covered!  For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com.    

What really happens behind the scenes at a divorce law firm? In this eye-opening episode of We Chat Divorce, co-founders Karen Chellew and Catherine Shanahan sit down with Attorney Kirk Stange, Founding Partner of Stange Law Firm, to uncover the truth about how family law really works—from the attorney's side of the table. Kirk has guided clients through divorce for more than 20 years, leading a firm with offices across 30 states. He joins Karen and Catherine for a candid conversation about what makes a great divorce attorney, why so many clients lose trust in the legal process, and how preparation and financial clarity can change everything. Together, they discuss: What makes a lawyer truly good at family law Why some attorneys avoid going to trial (and what that means for you) How judges pressure lawyers to settle cases The real story behind billable hours and “winning” in divorce Why financially prepared clients make better decisions If you've ever felt frustrated or confused by your attorney—or just want to know how to work smarter with one—this episode will change the way you see the legal side of divorce.

Chad talks about the steep rise in new car prices over just the last decade and if buying new today is justifiable.

Raising prices when the market feels shaky? It sounds risky, right?I've been there. A few years ago, I was staring down one of the toughest decisions in our agency.Costs were rising. Salaries were climbing. And the market felt anything but stable.The easy move would have been to freeze prices and hope things worked out.But that would have put the entire business at risk.So we raised prices. And clients said yes.Not because it was comfortable, but because we leaned on a few key levers that I still believe in today.In this episode of Small But Mighty Agency, I'm breaking down five levers that help you raise your prices in a disrupted market without losing the clients you want to keep.Here's a glimpse of what you'll hear:Why specialists hold pricing power while generalists get squeezed.How to repackage your offers so clients see you as adapting, not stagnating.The kind of financial leadership that gives you confidence in your pricing.A simple way to frame value-based pricing so clients see your fees as an investment, not a cost.How client relationships act like a “trust bank account” that makes price increases easier.If you've ever wondered “How can I raise prices right now?” — this episode will give you clarity and confidence to strengthen your pricing power heading into the new year.These are the kinds of conversations we dive into inside Agency Together. And if you'd like to be in the room with other agency owners for real talk about pricing, partnerships, and growth, join our free Strategic Partnership Mixer — the link is below.RSVP to the Strategic Partnership Mixer on November 12th at 10:30 am PST.Hey thanks for hanging out with me at the Small But Mighty Podcast. If you enjoyed this episode it would mean the world to me if you hit the follow or subscribe button in your podcast app and share it with a friend. And I'll see you on the next one. Get the full show notes and more information here: https://audreyjoykwan.com/podcast/ep138Podcast Edits by Lindsay Curtis

Send us a textA conversation with Andrew Wagner, production and manufacturing engineer, now in aerospace, but with experience also in the auto industry.We trace how transaction costs shape production, from Adam Smith's pin factory to Toyota's SMED, and why empowering workers and redesigning tools can raise quality while cutting cost. An aerospace manufacturing engineer joins us to unpack Little's Law, line reconfiguration, and the culture that makes flexibility real.• division of labor limited by the extent of the market• sub shop and Chipotle as live line-balancing examples• Smith's three productivity drivers applied to modern factories• Little's Law guiding WIP, stations, and throughput• costly line changes and capacity planning in auto plants• meta-tools, CNC, and multi-operation automation• stamping dies, SMED, and Toyota's flexibility edge• just-in-time, early error detection, and quality economics• U.S. responses: robotics, platforms, and Deming at Ford• NUMMI proof: same workforce, new system, better output• CAD parametrics, modular design, and clay by robot• structure by design: darts, curves, and manufacturability• specialization, ergonomics, turnover, and the $5 day• worker empowerment as applied Hayekian local knowledge• letter on bureaucracy, spending, and the social order book pickSome links:Workload modeling and "Little's Law"Little on Little's Law"Just In Time" inventory and manufacturingEdwards Deming's "14 Principles for Management" Book o'da'Month:  Jacques Rueff, THE SOCIAL ORDERIf you have questions or comments, or want to suggest a future topic, email the show at taitc.email@gmail.com ! You can follow Mike Munger on Twitter at @mungowitz

Nish and Rahul discuss the major challenges facing our industry: high costs and complexity of traditional systems, a lack of real-time data, and the need for more proactive and predictive maintenance. Then they offer their solutions. Welcome to Elevating Brick and Mortar, a podcast about how operations and facilities drive brand performance.On today's episode, we talk with Nish Kanapilly and Rahul Subramany, Co-Founders of Monaire. Monaire uses state-of-the-art diagnostics to predict HVAC and refrigeration issues before failure. Monaire promptly dispatches technicians to address issues, thereby preventing downtime, food waste, and energy waste. About Nish:With 16+ years in HVAC, Nishant Kanapilly, a mechanical engineer and MBA, excels in sales strategy. Multiple sales awards highlight his success in expanding market share, revenue, and profit. A seasoned presenter at local and national conferences, he brings top-level insights from his role as Sales Leader at Trane Technologies.About Rahul:Rahul Subramany is deeply committed to addressing climate change and its effects on our world and all who live in it. At Monaire, he's channeling this passion into action. He builds products to help the Monaire team deliver breakthroughs in sustainable heating and cooling technologies. The team's goal is to significantly lower carbon emissions and pave the way for a greener, more sustainable future.TIMESTAMPS:01:23 - About our guests06:07 - What Monaire solves for16:50 - Asset management22:43 - Making management predictive35:00 - Tying our business to our customers41:00 - Why is sustainability so hard?45:48 - Diving into AI53:54 - Where to find our guestsSPONSOR:ServiceChannel brings you peace of mind through peak facilities performance.Rest easy knowing your locations are:Offering the best possible guest experienceLiving up to brand standardsOperating with minimal downtimeServiceChannel partners with more than 500 leading brands globally to provide visibility across operations, the flexibility to grow and adapt to consumer expectations, and accelerated performance from their asset fleet and service providers.LINKS:Connect with Nish on LinkedInConnect with Rahul on LinkedInConnect with Sid Shetty on LinkedinCheck out the ServiceChannel Website Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

PFR Nation, As you know, we are well underway with our free giveawaysfrom a couple of weeks ago. And as I mentioned last week, we received a lot of great comments in that YouTube thread! So last week, I touched on three of the questions in a Q&A format.  Today, I'll address three more! Here they are:1.       “So how do you actually build a retirement income plan that both people can sleep at night with when one side wants market exposure and the other wants safety?”2.       “I've set aside (spreadsheet) my calculated number to self-fund my long-term care, but the variables and assumptions concern me.”3.       “How do we pay for health care before Medicare?”You're not going to want to miss this one, and hope you find it useful!  Thanks for tuning in. -Kevin  Resources Mentioned in this Episode:Genworthand Carescout Cost of CareThe ACA Premium Tax Credits AreChanging in 2026! (PFR Video)Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

Costs are spiking, access is shrinking, and members are stuck on hold while scans get delayed—yet the fix might be hiding in plain sight. We sit down with Dr. Cristin Dickerson, CEO of Green Imaging, to unpack how independent imaging, transparent bundles, and human-led AI can lower trend, reduce friction, and actually make benefits plans feel usable. From private equity acquisitions that quietly triple rates to the national radiologist shortage sparked by years of “AI will replace you” hype, we trace the real-world forces shaping price, quality, and time-to-care.Cristin shares a playbook advisors and employers can put to work now: build redundancy so a single tech outage doesn't stall care, keep the front end human while automating the back office, and route members to independent centers with clear, all-in pricing. You'll hear how a large Texas municipality sought savings but discovered a bigger win—restored access that gave employees back hours and eliminated surprise bills. We delve into what price transparency rules overlook, why hospital quotes are often incomplete, and how direct-pay bundles circumvent games that leave members vulnerable.We also get practical on tech. Forget AI that “reads the study” in isolation; the real gains come from tools that structure reports so radiologists never take their eyes off images, and from analytics that turn one CT into population health insights like bone density, coronary calcium, and cardiac chamber sizing. Add a clinician portal that lets DPCs and primary care search by code and price, submit narrative orders, and reach a radiologist by phone, and virtual care starts to work the way it should—fast, connected, and accountable.If you advise employers or run a health plan, this is a roadmap to cut waste without compromising care: utilize data maps and claims rebundling to model savings, favor DPC-centric designs for a simpler member experience, and help independent centers remain independent with fair, direct contracts. Subscribe, share with a colleague who battles imaging chaos, and tell us: where are your members getting stuck, and what would a clear path to a scan change look like for your team?This episode is sponsored by Benepower, the platform of choice for a modern benefits experience. Benepower is an AI-powered benefits platform offering access to top products and services, enabling consultants and employers to create customized plans, optimize usage, and measure effectiveness. www.benepower.com

Kapiti-based parent Evan Freshwater has three boys in sport, and volunteers at his local judo club. He spoke to Corin Dann.

The Dadley Boyz review Crown Jewel and discuss...John Cena & AJ Styles put on an EPIC!Seth Rollins is the GOAT!RHIYO forever!Stephanie Vaquer vs. Tiffany Stratton!Jey Uso costs Roman Reigns?!ENJOY!Follow us on Twitter:@AdamWilbourn@MichaelHamflett@MSidgwick@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe Hosted on Acast. See acast.com/privacy for more information.

Keith discusses the rising cost of the American dream, now estimated at $5 million, due to inflation and housing prices.  He highlights the affordable housing crisis, with more Americans living in RVs and homelessness up 18% since last year.  The NAR's "Best Week" report highlights the benefits of buying during this time, including lower prices and more favorable terms. Resources: IMPORTANT: GRE mobile app listeners - Switch to listening to the podcast on the  Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Check out the free video course on real estate investing at getricheducation.com/course. Show Notes: GetRichEducation.com/575 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— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the American dream now costs $5 million learn just what that will mean for you. The beauty of 50 year mortgages, then after 11 years, I share the most depressing thing I've ever said on the show today on get rich education.   Keith Weinhold  0:26   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again, 1-937-795-8989,   Corey Coates  1:39   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  1:55   Welcome to GRE from Norwich, Connecticut to Norwich, North Dakota, and across 188 nations worldwide, you're listening to get rich education. I'm Keith Weinhold. You probably know me by now, but if you're new, I am an active member of the Forbes real estate Council. You can see my work in the USA Today. And of Paramount import, I am an active real estate investor. We're talking about America's top shaved mammal on a microphone here, but suffice it to say, this mammal has at least shaved just how can this slack jawed mammal persist in this environment? Well, I don't know, but I've been doing it here for more than 11 years now. More on that later. This is episode 575, and each episode's release is a bigger deal than releasing the Epstein files. Today is no exception, although today's show release will get fewer people in trouble than the release of the Epstein files. Speaking of people in trouble. It is the middle class. It's the average American and the average Canadian too, because it now costs $5 million to fuel the American dream. But yet, at the same time, hordes of people are now going the other direction, and they're getting poorer. The affordable housing crisis that we've talked about here seems to probably still have not reached its crescendo. Or perhaps, if you know music, it's the opposite a diminuendo. Things are getting to a low point. How bad is it? Getting well priced out of a permanent home. More and more Americans are living full time on RVs, not like nice, fancy RVs either. Beaters. 486,000 Americans are now estimated to live in RVs because they are out of options. And the more soul crushing part of this is that that number has more than doubled just since 2021 I've got two minutes of astonishing audio footage of this to share with you shortly about the RV living homelessness is up 18% Since last year, that figure is sourced by HUD. HUD has the best stat set on homelessness, and that's a problem that's increasingly visible in your own city, more likely than not. And you know, I have personally gotten into more than just surface level chats casually with food servers and baristas, just these quick chats with them. And you know what they divulge to me, that they're living in their car. Yeah, I'm not probing and asking about that sort of thing, but they just share that with me, yeah, food servers and baristas that I just met. They will often tell me that they're living in their car within five minutes of chatting with them, and when they do that, by the way, it also makes me wonder if they're trying to get me to feel bad for them, and they're freely telling me that just to get a tip from me. Well, today, mobile homes are even being coveted. I mean living in a trailer park that is affordable housing. We covered that on last week's show now the real estate company Redfin and Ipsos, they conducted a survey of more than 4000 US homeowners and renters, and they asked respondents about the struggle to afford housing. And it was astounding to learn that to string together a life where they have stable housing, how people are doing all these things, they're delaying having children, they're getting rid of their pets, and some are going through the discomfort of living with an ex spouse just to have affordable housing, as far as what is now almost half a million Americans living full time on RVs and growing since they can't afford a home. NBC covered this, and it is sad. Let's listen into just how squalid the living conditions are, quickly profiling two people as this reporter goes on their tiny RVs. I mean, as you listen to this, okay, keep reminding yourself, keep telling yourself this is America today. And as you'll see, this isn't even in a high cost part of the nation that we're about to profile here again, tell yourself this is America today. Well, this NBC field reporter gets shown the insides of two different RV units by two separate owners, each living by themselves, first a man and then a woman. This is about two minutes in length    Speaker 1  6:53   for Gus Francis. This is home a 20 year old camper he bought for $5,000 parked in an RV lot in Graysville, Tennessee, just north of Chattanooga. I got all my rosaries for protection everywhere. Books, books, books. now retired, he worked for decades as a commercial diver and hoped to live closer to his widowed mother, but when he sought a more conventional home, I just can't see how people with their normal job making 15 bucks an hour can afford an apartment without multiple roommates. Meals are made in the microwave, the stove unused for fear of a gas leak. Right next door is Debbie Williams. She sold her house in Kentucky to be closer to her grandchildren, but housing prices near Chattanooga increased by almost 50% since 2020 apartments are like about 1200 a month, but then you got your utilities to pay. This is permanent, plus it include is like 550 a month includes electric water, saving over everything. It includes everything. Debbie works nights, helping adults with disabilities, and says she likes her setup, even if the exercise bike doesn't fit inside. Okay? I like my shower. It's really nice. And then my bedroom, Debbie and Gus now among the nearly half a million people in the US living in RVs full time. I sometimes thought, Man, if I could have saved more money in the past. But what it was is, I don't blame myself, either, because I raised four kids with no child support, despite the tight quarters, plenty of room to build a community that matters. Ellison Barber, NBC News, Graysville, Tennessee   Keith Weinhold  8:46   gosh, cramped and modest conditions there again. Tell yourself this is America today, and see, here's the thing. From all outward signs, these two people profile. They're not substance abusers. They're not criminals that can't get a job. These are American workers that have been productive people throughout their lives. The first guy, Gus said he worked for decades as a commercial diver, and that part of Tennessee, it's not a place in the nation where the cost of living is exorbitant, either the crux of the problem here is not just the wave of inflation that started in 2021 the essence of it is the fact that inflation has outpaced wage growth. Will you ever get to having a $5 million net worth? Because that's what it takes to live the American dream today. Now, a while back, I told you how, if you amass $5 million really that's the number, that's the threshold where you could probably stop working and just invest such that you could live off it forever. But inflation. Changes that and it keeps upping that number. Well, since then, Investopedia recently came up with this $5 million price tag that's just for living the American dream in today's dollars. Let's look at what that really means, and then we'll add up the spending categories. This is really interesting. All right, the definition of the American dream. What that means is owning a home, raising two kids, retiring comfortably, and maybe throwing in an annual vacation or two. So a nice life, for sure, but nothing extravagant and okay, yes, there is this other angle of like, Money cannot buy the best things in life, and that's true. There's a lot to be said for that, but this is not a relationships in a dating show, okay? So that's why I'm covering the financial angle here, and later today, I'll tell you how much the typical American makes throughout their lifetime, which is much less than 5 million bucks. But to get to that exact $5 million total, which is the least that you now need in net worth, the estimated lifetime costs of eight milestones most often associated with a dream were added up by Investopedia. And now, of course, everyone's dream is different, and housing costs differ nationally. But, I mean, this is pretty reasonable. Here they are. This is how much it takes for each of them today. And I'm doing some rounding retirement, over $1.6 million that's what it takes now. Healthcare, 414k this is all spent over the course of your lifetime, a wedding 38k And I hope that is wedding singular, not weddings plural, owning a home, 957k raising two children and paying for college that costs. 876k and then owning a new car, that is another 900k Yeah, that sounds like a lot, but that will include costs of financing and insurance and depreciation on cars throughout your life, and then a yearly vacation is 180k throughout your life, and pets, 39k All Right. There it is. That is the $5 million total for the American dream. And again, that is only in today's dollars. Inflation will, of course, make all of these future costs run up. All right, housing is really the biggest part of the dream. I mean, second to retirement anyway, all right. Again, the lifetime cost of housing, like I said, is 957k just a year ago, it was 930k okay, well, the national median list price of a single family home is about 430k I guess that makes sense. Most people live in multiple homes throughout their lives. Well, the price per square foot is up 50% just since 2019 that is what is pricing people out. That is what is making people become your renter instead of a homeowner. Well, this $5 million required for the dream, that is why more people are homeless or more people are living in RVs. This means that the demand for the product that you're providing to the marketplace affordable housing, that demand is considerable, and that demand is durable, and the median lifetime earnings for one American with a bachelor's degree is only $2.8 million. All right, so that's just over half as much as it takes to live the dream. But here's what's appalling. Are you ready? Here we go. This could be the most depressing and concerning stat you've heard on this show, maybe one of the most depressing and concerning in your entire life when you really think this through. All right, now, what do you think of as sort of a model for someone that is stable? How about both married and a homeowner? I mean, yeah, they're two big markers, married and home ownership that is foundational stuff when your kids grow up to be adults, if they become married in a homeowner. I mean, come on, who would be disappointed with that? That would probably make you feel proud and fulfilled. I mean, the future of the nation that is children and stable household formation material, right there. Well, by age 30, how many people do you think are married in a homeowner today, and how has that changed over time? What do you think this is the percent of 30 year olds who are both married and homeowners in the US? Right back in 1950 it was 52%.  today Okay, it is just a quarter of that. Only 13% of American 30 year olds are married homeowners today. Gosh, is that appalling? Or what? I mean, it doesn't exactly give you hope for the future, since Owning a home is a key pillar of the American dream, then the best thing that our local, state and federal lawmakers can do is to make it easier to build new housing. That is one of the most depressing stats I gave in 11 years of doing the show, probably the most depressing another thing we can do is not protest or block new development, no nimbyism.    Keith Weinhold  15:45   Now, earlier this year, the White House announced that they are considering declaring a national housing emergency. In fact, you saw me put a link to that in the section of our newsletter that we call the five, though we haven't seen a national housing emergency declared yet. If we do it all, the motivation behind it is largely to make housing affordable. One piece that's been floated out there is the introduction of a 50 year mortgage so that way mortgage payments are spread out and made lower than they are with the most popular mortgage in America today, by far, the 30 year fixed rate mortgage. Now, I wouldn't say that a 50 year mortgage is eminent and is about to happen. We can't say that, but it could be creeping closer. I mean, a 40 year mortgage that is already more of a thing. You've got 40 year HUD loans and 40 year DSCR loans both already here for residential property. We do know that buyers buy property more so based on a payment than they do the overall price of the property. Now look, I'll tell you if I could somehow magically snap my fingers and convert all of my 30 year mortgage loans over to 50 year loans. Oh, I sure would. It would lower my payment and increase my cash flow. Yes, my debt would hang around longer and well, we're right back to, you guessed it, financially free beats debt free. Let's run that comparison on a 300k loan at 6% interest, a 30 year mortgage payment, that is 1800 bucks a month, but on a 50 year loan that would be just 1580 Yeah, $1,800 versus 1580 1580 Well, that is going to boost your cash flow by $220 a month on that property, just by going from a 30 year to a 50 Year at the same interest rate. So maybe not as much of a difference as you thought, but probably worth doing, at least in the mortgage world debt free. I mean that concept of debt free that makes most people, in exchange for that debt free condition, grind and toil and work overtime and lose family time and eat dirt for decades because inflation and all these other forces work against them. And yes, this is just with mortgage debt that I'm talking about here. Of course, some debt is bad, like unsecured, high interest rate credit cards or doing a buy now, pay later, plan on a pizza that you split into four payments. That's ridiculous. And those are the type of debts you've also got to pay yourself. That's not what we're talking about here. In fact, it gets even worse for the mortgage debt free person. That extra $220 you're paying by having a 30 year loan instead of a 50 year loan, that would mean you're accumulating more dollars in home, which are illiquid. And again, 50 year loans don't exist yet, but understanding this concept and this trade off helps you be a better investor. Look, a debt free person can still be broke in the short term if they have a meager income, and they can be broke in the long term if they are not leveraging assets and debt. Being debt free, that is like bragging that you quit the gym so that you'll never pull a muscle again. I mean, you're safe for now, but you're going to be weaker in the long run. Let's use a different example. Let's just run a different set of numbers. Let's say you've got a 400k mortgage at three and a half percent interest, though your monthly payment is 1796 on a 30 year fixed. Some people think, Oh, if I just throw an extra $1,000 a month at this, I'm going to be debt free years sooner. And the truth is, yes, you will save 90k in interest, and you are. Going to own the house outright earlier. But what's the opportunity cost if that same 1k a month went into investments earning even 7% annually, after 15 years, it grows to about 311k   Keith Weinhold  20:16   Well, that is more than three times the interest savings, which again, was only 90k so for some paying off the mortgage early feels like some sort of emotional win, but it is rarely the best financial win. I mean, that is like benching LeBron to save money on Gatorade. I mean, that is a bunch of nonsense. So debt free is the floor. Financially Free is the ceiling. I mean, do you know about those popular call in shows where people are advised to lower their standards, diminish their quality of life, not go on vacations in order to get debt free? Oh, dear. I mean, those shows have got to be screening their callers closely to ensure that no one savvy actually gets on the air. Somebody, hey, how about you? Why don't you get on the air? Get on that show. Ask them some tough questions about getting mortgage debt free. You tell them yeah. Tell them that your ROI on all that equity is zero because home values change regardless of equity positions. Tell them that a home is never paid off because you'll still owe property tax and maintenance and repairs and utilities and maybe insurance and an HOA. Tell them you lost the gift of inflation eating your debt while you sleep. Tell them mortgage interest is often tax deductible. Tell them that their leverage is gone, and all these facts, every one of those I just stated, they're now figuratively not just talking. They're yelling. They're screaming now, because markets of all types are at all time highs. So instead, if you had used those funds to pay off a property, they would have really missed out on earning big returns for years elsewhere, a steep opportunity cost. Suffice it to say, I would love to see the widespread adoption of 50 year mortgages, and I would use them. The other thing that would happen is that it would make home prices rise further, because more people can afford the lower payments to bid up the price. So actually, here's something that I'm wondering about with you. Did you ever have a paid off property, and then realize all of this, and then go and get new financing on it again. Have you ever done that? If you have that would be really interesting. Let us know if you've had a property in a paid off position, realized the vulnerability and the opportunity cost of having all that illiquid equity, and then you went and put debt back on it. Let us know at get rich education.com/contact. That's get rich education.com/contact. Like Ridge lending group knows this when I have chili ridge here, like she and I discussed, you even get the cash chunk out tax free. And here's what else is interesting about this. Just say you know how out in the world of real estate agents, where people are buying and selling property, well, whenever a buyer's agent knows that that listed property is owned by a seller that still has a mortgage on it, well the assumption is that the seller, well, they might be a little more motivated to sell since they have to make mortgage payments on that property that they might not even be occupying anymore. Well, that is backwards. In most cases, you should be more motivated to want to sell a property if it's paid off because you've got all that dead equity in it that needs to be released through that sale. So really, a listing agent should be thinking, this seller has got to sell this property with urgency, if for no other reason, because he or she has lots of equity in that property. That's how to think about it. The world has it 100% backwards. That mindset is 180 degrees from the truth coming up next.    Keith Weinhold  24:25   Did you know that this week? Yes, right here in mid October every year is historically the best week of the year to buy a home. Also, what's it like behind the scenes here on the microphone? I've got that and more straight ahead. I'm Keith Weinhold. You're listening to get rich education,    Keith Weinhold  24:44   if you're scrolling for quality real estate and finance info today, yeah, it can be a mess. You hit paywalls, pop ups, push alerts, Cookie banners. It's like the internet is playing defense against you. Not so fun. That's why it matters to get clean. Mean free content that actually adds no hype value to your life. This is the golden age of quality email newsletters, and I write every word of ours myself. It's got a dash of humor, it's direct, and it gets to the point because even the word abbreviation is too long, my letter takes less than three minutes to read, and it leaves you feeling sharp and in the know about real estate investing, this is paradigm shifting material, and when you start the letter, you'll also get my one hour fast real estate video, course, completely free as well. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be simpler to get visit gre letter.com while it's fresh in your head, take a moment to do it now at gre letter.com Visit gre letter.com    Keith Weinhold  25:55   the same place where I get my own mortgage loans is where you can get yours Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lending group.com. That's Ridge lending group.com. Hi.   Russell Gray  26:29   This is Russell Gray, co host of the real estate guys radio show, and you're listening to get rich education with Keith Weinhold. Don't quit your Daydream.   Keith Weinhold  26:36   welcome back to get rich Education. I'm your host. Keith Weinhold, there's a lot to look forward to in future months here on the show, new content from me, new prominent guests, the return of some favorite guests, a live event to tell you about and our annual home price forecast show, where I'll also reveal if last year's GRE home price prediction for this year came true or not. I have got to say I have nailed it to the exact percent a few years in a row now. But if you remember, before this year began, I forecast 5% national home price appreciation for this year. We will see how that turns out, but home prices are only up one or 2% year over year so far. Yes, not only do I make the forecast, I actually follow up with the previous years to check the accuracy. Don't you wish everyone did that? Well, it is October, and it's the month where you got to be ready to defend your love of candy corn and the same Americans complaining about inflation also bought a 40 foot skeleton for the front yard. Well, the best time to buy a home, historically, is this week this year. It happens to fall on October, 12 to 18th, as it turns out. Why would that be? It sounds kind of random, doesn't it? Well, the NAR recently reported on this, and this is what they give, a three word moniker, aptly named the best week. That's what they call it, the best week. Now, this applies more to primary residences into one to four unit investment property, but it's a little applicable to apartment buildings too, and this really helps you understand real estate buying, selling and consumer nature. Historically, this week offers the most favorable balance of market conditions for buyers. This is when inventory tends to be elevated. Prices typically dip below their seasonal peak. The buyer competition slows, and just the overall pace of the market becomes more manageable. Again, quote, unquote, the best week this seasonal shift every year, it's influenced by school schedules and even weather patterns. Housing activity typically ramps up in the spring. It peaks in the summer because a lot of families try to move while children are out of school and the desire to settle before the new academic year that's back when you've got the warmer weather and the longer daylight hours, and you got these curb appeal enhancements from Lush summer foliage that also makes spring and summer an ideal time for showings in inspections, that adds further momentum to the summer surge. These sort of things actually matter. But then the calendar shifts into fall, and demand naturally tapers off. Every year you got families with school age children that exit the market, and then the remaining inventory begins to linger longer, and prices respond by dipping below peak levels. And homes tend to stay on the market longer. This happens every year. That makes for conditions that benefit late season buyers. So listings tend to become more plentiful now each October inventory levels, they tend to peak in early fall, and that's why it's about the best time to buy. You have less competition from other buyers, home buyer shopping during again, what is called the best week, you should expect less competition. Properties tend to attract the most viewership per listing early in the spring, and that's when buyers trickle into the market before the inventory picks up. And then the summer ushers in both more homes and more shoppers, and that means that buyers face quite a bit of competition in the summer, so the best week that should offer more time for buyers to deliberate, and it can mean that sellers are more eager to compromise. And the numbers back that up historically that this is the peak week for price reductions. So what can you do if you're potentially in the market? You might want to hit up gre investmentcoach.com and have our coaches connect you with the right income property if that's the right move for you, and doing that is totally free. In fact, most listeners buy their first income property that way. In fact, if you had a good experience with a GRE investment coach, go ahead and tell a friend about it. Now, let's say that you had $1 back in the year 1995 so you've got a green dollar bill in your pocket 30 years ago. All right. Well, what would happen to your dollar if you saved it versus putting it in stocks versus putting it in real estate? What do you think would happen in each of those three scenarios? Let's do it. Let's compare well, because of inflation, your dollar would be worth less than 50 cents if you had saved it, yeah, it would have just 47 cents worth of purchasing power today. Instead, if you had put it in the s, p5, 100, your dollar would have seen some pretty significant growth. It would be worth $19 today. That's how stocks have performed over the past 30 years. But what about real estate? Well, there are so many ways to do it specifically. What if it were a rental property where real estate pays five ways, not just one or two like stock. What kind of return can you expect from real estate? Well, when you add up all five ways, just using historic norms like classic rates of appreciation and a four to one leverage ratio, you get 38% as a total rate of return in year one. And then that rate starts to fall because equity accumulates. And if you're not initiated on that, and it sounds like such a high flying number, you can see my free video course that teaches you this at get rich education.com/course, the most valuable free course you've ever taken in your life. At get rich education.com/course, let's just get conservative and say so many things go wrong with your property that we're going to round that 38% all the way down to 20% per year. Yes, if you're new here, those sound like ridiculous rates of return. Anyone that's listened here for a while instead has been enjoying those rates of return if you bought right? I mean, you have so much more time and money in your life now, but at 20% ROI, your $1 from 1995 would be worth $237 today. Wow, and again, if it were saved under a mattress, it would be worth less than 50 cents, and in the sp5 100, just 19 bucks. This is a simplified way to demonstrate that compound leverage beats compound interest. I mean real estate beats stocks by more than 12x right there and see that's the type of multiplier that you're probably going to need on your money. Since it already takes $5 million to live the American dream, you might very well need $25 million over the next few decades, while the 401 K was created around 1980 the Roth IRA created in 1998 and the GRE podcast was created on October 10, 2014, and I trust that it's had a more positive impact on your life than any of those other vehicles.   Keith Weinhold  34:56   This means that I've released weekly episodes here for. 11 years, never missing a week at all, 52 weeks a year, and we've never replayed an old show either. I am here for you. Integrity means doing what you say you're going to do. Vedran, our sound engineer, has been here with GRE for 11 years as well. That is the team, the duo, that's been bringing you this show. And also, I didn't even tell my team here at GRE this yet, so I guess they'll learn now, the platform business rate just ranked us and awarded get rich education the best of the year, 2025 as a real estate school. Yes, we learned that this award is based on outstanding reviews from real customers, not nominations or votes, but the best of the year award comes from feedback through listeners just like you. Thank you for that, and thanks business rate this show and real estate investing, they are the main things that I do, and I expect to be here for you well into the future. Now, it's sort of funny here, kind of a paradox on the show I talk about income production that's largely passive, yet producing this show at a high level for 11 years here on this side of the microphone is not passive. It is highly active. I got a reminder of this recently when a doctor buddy of mine said he considers starting a podcast on the side. Let me tell you what I shared with him that is probably a terrible idea to launch an ongoing podcast where you'll constantly carve out the time to produce high quality week after week. That is not a side gig. 99% of those scenarios fail. You've got to deliver great new content yourself. You've got to have a network of guests to compliment you. You got to perform research and then cross check your research, because you've got to publish real, true information. You need a reliable editing solution. You need some organizational skills. You're going to need to hire some skilled and specialized assistance in the real estate world. You've actually got to get out into the field and visit cities in person to corroborate your research on the ground and go to in person conferences. I mean, there's a lot to do, but I did tell my doctor friend, you know, the good news is that there are alternatives to starting a show. There are a couple of them. In fact, first, you can do a 10 episode mini series on your area of expertise, host it on YouTube or Spotify and then send that link to clients. Another thing you can do is get yourself booked as a guest on someone else's show, and you'll pay a podcast booking agent to do that one strong guest episode that could do more than 100 of your own episodes ever could. So that's my guidance. In case you know any thought leaders that considered doing that, and what things look like from my view back behind the mic, it is not passive income, although my investing mostly is and another thing, if I've hosted a past guest on the show, and I get feedback from you or other listeners that they're not looking out for your best interest, or they don't want to do the property rehabs that they promised. Well, they are not coming back onto the show. Instead, we move on. I am here to do good and connect you only with providers that are doing good. Another show related announcement, and if you listen here each week through the get rich education mobile app. This is really important if you're listening to me right now on our dedicated mobile app, the hosting platform terminates at the end of this month, so you're going to have to listen in a different way. Go to either the apple podcasts app or the Spotify app and search get rich education to keep listening that way, you'll keep learning, stay motivated and never miss an episode of my incomprehensibly slack jawed vocals, profligate and unrepentant. Again, if you're listening to me right now on our dedicated GRE mobile app, the hosting platform terminates at the end of this month, you'll have to listen in a different way. Go to either the apple podcasts app or the Spotify app and search. Get rich education inside those apps in order to keep listening after this month, until next week, I'm your host. Keith Weinhold, don't quit your daydream   Speaker 2  39:41   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 and. Will see exclusively.   Keith Weinhold  40:09   The preceding program was brought to you by your home for wealth. Building, get richeducation.com.  

[REBROADCAST from Sept. 22, 2025] If you are a beneficiary to an estate when a loved one dies, or if you're planning on creating an estate plan, there is a lot to sort through. Katrina Robinson, CEO of Teton Trust joins to share a basic checklist and take listener calls.

In this episode of Dollars & Sense, host Joel Garris breaks down the critical steps to "die better"—or at least be better prepared—by mastering the essentials of estate planning. Drawing from Chapter 19, "Death: The Other Certainty," of the Next Gen Dollars and Sense book, Joel shares practical advice to help listeners avoid common estate planning pitfalls and protect their loved ones. The episode highlights the different ways property transfers after death, including operation of law, operation of contract, and wills, explaining how each impacts your financial legacy. Listeners will discover tips on titling property, the importance of beneficiary designations, and strategies for making the process smoother, such as using Transfer on Death (TOD) or Payable on Death (POD) addenda and understanding the use of ladybird deeds. With real-life scenarios and actionable guidance, this episode is a must-listen for anyone who wants to take control of their financial future and ensure their wishes are honored. Tune in to learn how proactive estate planning can ease the burden for your family and spark meaningful conversations around the holidays! 

In this episode, Prof Chapman explains how interstate and even overseas patients can be managed via Zoom right up to the day before egg collection, outlines consult fees ($370 with ~$160 back on Medicare), and notes which Life Fertility doctors provide end-to-end obstetric care in Sydney. He separates evidence from hype on uterine lining “receptivity” and immune testing—highlighting antiphospholipid syndrome while debunking routine immune panels—and gives practical next steps for missed periods at 33. Finally, he shows how experienced clinicians review failed cycles to fine-tune triggers, meds, and timing, instead of repeating a one-size-fits-all protocol. Explore the 'Prof. Michael Chapman - The IVF Journey' Facebook Page, your reliable destination for cutting-edge insights and guidance within the realm of In Vitro Fertilization (IVF). Don't miss out on the IVF Journey podcast; stay informed with the latest episode updates. Tune in for expert discussions and valuable information on navigating the intricate path of IVF.

Finally Dooms Day for Pakistan is Here | Pakistan on Fire | Trump Friendship Costs Pak

In this thought-provoking episode, Renaldo McKenzie and co-host Ricardo McKenzie sit down with Bryce Eddy of Turning Point USA and The Bryce Eddy Show for an open conversation on faith, unity, and the fractured moral landscape of modern America.From the meaning of biblical love to the paradoxes of liberty and inclusion, this dialogue challenges easy answers and exposes deeper divides. Can true love heal a polarized nation — or has faith itself become a new frontier of division?

In this episode, I delve into the critical issue of becoming a bottleneck in your business as it grows, especially past the 15-employee mark. I discuss the tangible and intangible costs associated with a centralized decision-making process, emphasizing the importance of fostering independence and innovation within teams. I highlight the financial implications of delayed decision-making and explore how a bottleneck mentality can stifle creative input from team members, ultimately affecting morale and growth. Furthermore, I address the personal toll on leaders who feel the weight of control and the need for balance in their lives. By sharing inspiring examples, I encourage leaders to reflect on their roles and empower their teams, paving the way for a healthier organizational culture and sustainable growth. The Cost of Being a Bottleneck Financial Implications of Control Cultural Impact on Your Team Personal Consequences of Bottlenecking The Cost of Being a Bottleneck In this episode, I explore the critical issue of being the bottleneck in your business, a challenge that often emerges as organizations grow beyond the 15-employee mark. Early in a company's journey, it's natural for leaders to be at the center of every decision. But as the team expands, maintaining that same level of control can begin to slow progress, limit innovation, and create hidden costs that restrict growth. I discuss why this transition is such a pivotal leadership moment, one that requires shifting from hands-on management to empowering independence, critical thinking, and ownership across the team. Recognizing when your involvement is helping versus hindering becomes essential to scaling both effectively and sustainably. Financial and Cultural Implications of Control The first cost of being a bottleneck shows up financially. When decisions stall at the top, opportunities are missed, projects slow down, and innovation stagnates. These financial implications often go unnoticed, buried within declining momentum and unrealized revenue. I explain how identifying these bottlenecks can uncover the true cost of control and open pathways to faster, more efficient growth. Beyond finances, the cultural impact can be just as damaging. A bottleneck mentality often breeds hesitation among team members; they wait for approval rather than take initiative. This dynamic suppresses creativity, discourages ownership, and weakens morale. I share how fostering an open culture where ideas are welcomed and independent thinking is valued can reignite engagement, strengthen collaboration, and accelerate innovation across the organization. The Personal Consequences and the Path Forward Finally, I address the personal toll that being a bottleneck takes on leaders themselves. The constant need to control outcomes often leads to burnout, strained relationships, and declining well-being. Many leaders unintentionally trade their health and balance for a sense of control that ultimately limits both personal fulfillment and organizational success. I share real examples of leaders who recognized this pattern and transformed their approach, shifting from control to trust, from micromanagement to mentorship. These stories demonstrate that the path forward isn't about stepping back entirely, but about building a structure that thrives without constant oversight. As I close, I encourage listeners to reflect on their own leadership habits and join our upcoming training sessions designed to help overcome bottleneck challenges. Creating a business that runs smoothly without you isn't just an ideal, it's a mark of mature, sustainable leadership. Through real-world insights and inspiring examples, this episode serves as a call to action for leaders ready to evolve their approach. Discover how empowering your team to think independently not only boosts morale and innovation but also creates a healthier, more sustainable organization that thrives beyond your direct involvement. Explore More: training.coreelevation.com Listen to the Full Episode: Growth Think Tank Podcast

Inez Stepman of the Independent Women's Forum fills in for Jim on the Thursday 3 Martini Lunch. Join Inez and Greg as they discuss what they hope will soon be the release of the remaining hostages held by Hamas, a major economic policy blunder by the Democrat running for governor in Virginia, and a surprising dead heat in the 2026 New York governor's race.First, they welcome reports that Hamas has agreed to release the living hostages and the remains of the rest as part of Phase 1 of President Trump's Middle East plan. Inez cautions against celebrating until the hostages are actually home but credits Trump for getting Hamas sympathizers in Qatar and Turkey to pressure Hamas into accepting the deal.Next, they highlight Virginia Democratic gubernational nominee Abigail Spanberger openly supporting a 2020 law passed and signed by Democrats that mandates all energy in Virginia must be renewable by 2050. There are two problems with that. There's no indication that will be feasible. And if it is, energy costs will skyrocket by thousands of dollars per year for the average customer. Inez argues that Spanberger is another Democrat falsely branded as a moderate despite her progressive record.Finally, they break down new polling that shows New York Gov. Kathy Hochul locked in a statistical tie with her likely GOP challenger, Rep. Elise Stefanik. Hochul's endorsement of Zohran Mamdani for mayor in New York City does not appear to be resonating well throughout the state. Please visit our great sponsors:Support your health with Dose Daily.  Save 25% on your first month when you subscribe at https://DoseDaily.co/3ML or enter code 3ML at checkout. OneSkin uses the patented OS-01 Peptide™ to improve skin and scalp health at the cellular level—try it now with 15% off using code 3ML at https://OneSkin.coCelebrate World Mental Health Day by starting your journey with BetterHelp—get 10% off your first month at https://BetterHelp.com/3ML

Elizabeth Peek discusses the growing demands that massive data centers place on local resources, including electricity, water, and workforce. She anticipates a public backlash, particularly due to rising electricity costs and the reliance on renewable mandates in uncompetitive markets like California and New York. Water scarcity issues are also a significant concern, comparable to the public reaction to fracking. Peek notes that elected representatives must address how these massive buildings impact the national conversation regarding resource allocation and pricing. 1910

Elizabeth Peek discusses the growing demands that massive data centers place on local resources, including electricity, water, and workforce. She anticipates a public backlash, particularly due to rising electricity costs and the reliance on renewable mandates in uncompetitive markets like California and New York. Water scarcity issues are also a significant concern, comparable to the public reaction to fracking. Peek notes that elected representatives must address how these massive buildings impact the national conversation regarding resource allocation and pricing. 1910 VALDEZ