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FREE RESOURCE FROM BRAD SUGARS DM Brad on Instagram @BradleySugars the word "PLAYBOOK" and he'll send you his free business playbook on how to succeed in business. --- In this episode, I sit down with Brad Sugars — the Founder and Chairman of ActionCOACH, the world's #1 business coaching firm with over 1,000 offices in 85 countries — to break down exactly what separates the entrepreneurs who scale from the ones who stay stuck. Brad calls out what he sees as the biggest epidemic in business right now: wimpy goals. We dig into the three stages of business growth (0 to $1M, $1M to $10M, $10M to $100M), why the skills that get you to your first million will actually hold you back from your next ten, and why most business owners have built themselves a job with overheads instead of a real business. Brad also gets honest about his own failures — from team members who liked his money more than he did, to reinvesting $4M right before COVID hit — and shares the mindset shifts that let him operate his companies in just one hour a week. We also get into work-life harmony, the epidemic of loneliness among male entrepreneurs, and why Brad believes the most expensive advice in the world is free advice from a poor person. GUEST BIO Brad Sugars is the Founder, Chairman, and President of ActionCOACH — the world's #1 business coaching firm with more than 1,000 offices in 85 countries. Internationally recognized as one of the most influential entrepreneurs alive, Brad is a bestselling author, sought-after keynote speaker, and has been called the Godfather of Business Coaching for over 30 years. He started his entrepreneurial journey at age 7 and founded ActionCOACH in Brisbane, Australia in 1993 — when business coaching as a profession barely existed. He has since become the CEO of 9+ companies and helped hundreds of thousands of business owners across the globe scale, systematize, and ultimately exit their businesses. Brad lives in Las Vegas with his wife Lauren and their five children.   GUEST SOCIAL LINKS Instagram: @BradSugars Facebook: Brad Sugars ActionCOACH X (Twitter): @BradSugars LinkedIn: Brad Sugars YouTube: Brad Sugars ActionCOACH Website: actioncoach.com About Justin: Justin Colby is the host of The Entrepreneur DNA and The M.O.R.E Show podcasts and a best-selling author. He is a serial entrepreneur and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

No Linha de Passe desta quarta (16), nossos comentaristas analisam tudo de Neymar em campo no treino de hoje da Seleção Brasileira, tudo sobre a estreia de Cristiano Ronaldo na Copa do Mundo, com o empate de Portugal e ainda tem o JOGAÇO entre Inglaterra x Croácia. Vem com a gente! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Keith talks with data-driven investor Neal Bawa, the "mad scientist of multifamily," about why apartment values have dropped 20%–30% while single-family prices have stayed resilient.  They break down how interest rate shocks, the homeowner lock-in effect, and a wave of new multifamily supply are reshaping returns for today's investors.  Keith and Neal also dissect the build-to-rent model—who it really serves, how apartment oversupply is pressuring its rents, and why pending legislation could upend the space.  Neal closes with a specific, data-backed timeline for when multifamily rents and values may finally turn the corner, giving listeners a concrete roadmap instead of vague market guesses. Resources: Grocapitus Website - https://www.grocapitus.com Multifamily U's Free eBook: Location Magic - https://multifamilyu.com/lp/location-magic-ebook/ Multifamily U's Investor Club – https://multifamilyu.com/club Episode Page: GetRichEducation.com/609 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  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   Keith, welcome to GRE. I'm your host, Keith Weinhold. The single-family real estate market is steady, but with apartment building values down 20 to 30% since 2022 when will the multifamily Armageddon end? We ask our qualified guest, and how will slowing birth rates in immigration affect real estate? And more today on Get Rich Education. You know, Mid South Home Buyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now, their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to Daniel Thomas hind.com H I N D, that's Daniel Thomas hind.com and sign up before Spotsville Flock homes helps multifamily owners exit the operator grind, whether it's your six plex or a 50 unit apartment, through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at flockhomes.com/gre That's F L O C K homes dot com slash G R E.   Neal Bawa  2:13   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  2:29   Welcome to GRE from Valencia, Spain to Valencia, California, and across 188 nations worldwide. America's favorite shaved mammal on a microphone is back with you for another wealth building week. I'm Keith Weinhold, and you're listening to Get Rich Education. The world's biggest problems are the world's biggest businesses. That's not a coincidence, and that's why we discuss housing here. And there's been a chronic shortage of affordable housing last month at a commencement speech, Harrison Ford, yes, the guy that played both Han Solo and Indiana Jones, talked about how a fulfilling life has both passion and purpose. Passion is what gets you out of bed in the morning, purpose is what helps you sleep at night, you and I. We can bring this mindset to our lifestyle, to the business we do, and to our investing. Treating tenants well is what helps real estate investors sleep well at night. While we're doing well, we can be doing good too. Multifamily syndicators keep failing, going out of business, and losing all of their investors' money due to mortgage rate resets. It just keeps happening. What this really means, that these groups that pooled together investor money to buy apartment buildings, largely that were set up in 2022 and earlier keep blowing up almost fully due to the fact that interest rates reset higher. Some of them had a fixed rate for five years. Well, rates spiked four years ago, and that's why a lot of them have yet to blow up, and these apartments have lost so much value that no one will refinance them, you know. Even if that apartment operator increased the net operating income over the years, even if rents went up, it doesn't matter. So, you still haven't heard the last of it. Do you remember a couple years ago, when a lot of people in the apartment space, they were saying just stay alive till 25 and that nonsense, like if you keep your head above water until 2025 oh well, then rates are certainly going to fall, and everyone's going to be okay. Well, 2025 is long gone.    Keith Weinhold  5:01   Mortgage rates haven't fallen in any significant way, so that survive until 25 thing or whatever mantra derivative people used that was a farce, like I've said on the show here for years. You cannot predict interest rates, so I didn't make the call that they were going to go up or down at all, because you can't predict them, but so many people said, oh, rates will fall substantially by now, no way, you just can't make that assumption, you've got to take history over hunches, and all of that, a lot of those multifamily deals 100% depended. depended on refinancing at favorable rates, and that's exactly why they failed. A surefire way to look foolish is to predict interest rates. We'll talk more about the multifamily Armageddon with today's guest. I also want to get into what's called the 21st century road to housing act, because that became one of the most hotly debated housing policy provisions this year. And what this is, is a Senate bill, and it would require certain large institutional investors that develop these bills to rent single family communities. It would force them to sell those homes to individual buyers within seven years. So, in other words, what a big firm could do is build a neighborhood of rental homes, lease them for up to seven years, but they couldn't hold on to them any longer than that. They couldn't hold them indefinitely as rentals, this bill is not aimed at you, the individual investor. It is aimed at big institutions, and what I mean by that is that's generally defined as owning 350 or more homes. That's what we're talking about here. Small landlords and mom and pop investors are not the target, it targets corporate portfolios, and this means groups whose names you've probably heard of, like Blackstone, First Key Homes, Progress Residential, and Invitation Homes. They are some of the heavyweights that the government is looking to clamp down on, so whenever you hear someone talk about big Wall Street landlords, that is who they're talking about. Now, some groups are pretty worried about the 21st Century Road to Housing Act, like the NHB, that's the National Association of Home Builders, and a lot of multifamily groups are concerned, and why is that? Well, the effect is it could dramatically reduce new housing production.   Keith Weinhold  7:44   See, a big institution like First Key Homes or Blackstone, they wouldn't want to even get into this business anymore. They wouldn't want to build big build to rent communities anymore if they have to sell them all within seven years. See, they want to buy and hold for the long term, kind of like what you and I are doing, because you and I know that owning a group of selective buy and hold single family rentals is a really profitable place to be, but so if they don't want to build, then that creates a reduction in supply, which could make prices go up, and then obviously hurt those trying to afford their own home. Well, that would defeat the purpose of this whole thing. I mean, my gosh, this always seems to happen when government gets involved. So, the 21st Century Road to Housing Act could limit supply, which is the exact opposite of its intent to get first-time home buyers into their first home, and if this passes, it does have bipartisan support. This lower supply, then yes, indeed puts upward pressure on prices. Just amazing. So then it could actually go on to help the everyday mom and pop investor, like you and I, that already owns property, the individual at last check, though they're looking to pass a version that still restricts some of these giant institutions from getting into build to rents, but yet it does not have that seven year sale requirement. What's really important to remember here is that Washington, they're looking to stifle big Wall Street players from the rental market, which could reduce supply. They're not targeting individual investors. The context that's important is that these groups, they own 10s of 1000s of homes, they don't own hundreds of 1000s, and they don't own a million, so it's a really small percentage of the housing market, whatever direction policy breaks, then the headlines that it creates are just greater in magnitude than the effect on the market is. It's an important frame of reference here. Let's meet this week's guest. This week we're welcoming back a guest that we haven't heard from in a year or two in real estate circles. He is popularly known as the mad scientist of multifamily. He's quite an in-demand speaker. He has a $500 million multifamily portfolio that he essentially shares with over 1300 investors. He's sharp, a good educator, and a straight shooter. That's why he's here. It's a warm welcome back to Neal Bawa.   Neal Bawa  10:32   Thanks for having me on the show again. It's delightful to be here, and so many interesting things to talk about in the world these days.   Keith Weinhold  10:38   There really are.. I don't know if we can get it all in, Bawa is spelled B A W A. Neal, I want to get to your future housing market outlook later. How you think the future looks, including when multi families quasi Armageddon might end. But first, you're known as a data driven real estate guy. Tell us about that, and how being data driven makes you profitable.   Neal Bawa  11:03   I see concern, and I'll tell you why. The single family and multifamily market have been atrociously incredibly divergent since the first quarter of 2022 They have not tracked yet each other at all, even though if you look at the last 50 years, they tend to track each other. So you know, 2008 was a Armageddon for single family, Armageddon for multifamily, and they both sort of came up in 2012 2013 and then they had a really good time until Covid.   Keith Weinhold  11:30   Yeah,   Neal Bawa  11:31   but the second quarter of 2022 is when Fed started raising rates, and since then we've sort of slid - multifamily has gone down in terms of pricing between 20 and 30% depending upon the metro, you know, and depending upon whether it's new construction, new construction assets have gone down more than 30% and existing assets that are filled up have gone down by 20 to 30% depending upon the metro. So, metros that have a large amount of supply, closer to 30% decline in value, the metros that have less supply probably closer to 20% decline in value, right.   Keith Weinhold  12:03   Demand demand has been pretty resilient. It's more of a supply story.   Neal Bawa  12:06   It's a huge supply story, right. So, if you look at, you know, occupancy, essentially what's happened is there was so much supply that came in that really people started on those projects in 2022 maybe they didn't start a construction until 2023 they didn't finish construction until 2025 so they started leasing up in 2025 They had to give offer concessions two months, sometimes three months free, and so that pushed down the rents in 2025. And they're not done, because you typically can't rent an apartment in six months. If it's brand new, it's going to take you about 18 months to rent it, and sometimes 24 months, and so it's affected our rents in 2025 it's affecting our rents in 2026. Now it's unlikely to affect it in 2027 but we'll go there, you know, at a later stage. But at the moment, we, what we've seen is negative rent growth in the United States for multifamily for the last 12 to 15 months, and what I think is going to be negative rent growth in Q of this year and Q2 of this year, so Q1 was negative, Q2, which we are in now, is likely to be negative or flat now. Single family, on the other hand, has gone in a different direction, which has been very difficult to understand, and I believe it's taken me a while to really understand this, but I think I've finally figured it out. Single family prices are not down since 2022 which makes no sense at all, because the average mortgage in the United States today is almost double, almost double, not quite double, but almost double of what it was in at the beginning of 2022 when interest rates were about 3.3 3.4% Right now we're sitting around, you know, six and a half percent interest rates, so not quite doubled interest rates, but they've obviously gone up a fair bit, and as a result, your average, you know, mortgage has almost doubled, but home prices haven't dropped, which makes no sense if you really think about it, because home prices are a factor of demand, and they're also a factor of people's ability to pay, so if all of a sudden within four years you're paying, the mortgage is doubled, then less people are going to be able to buy, but it stayed up, the market has stayed up, and the biggest reason it stayed up is because of what is known as the lock-in effect. So, the US market typically has a million new homes every year, and there's more than a million existing homes that are transacted, right? So, it's an open market, it's a perfect competition market, but it hasn't been perfect competition for the last four years, because so many people locked in ridiculously low interest rates.    Neal Bawa  14:28   Perfect example, in 2021 and 2022 I have a 15 year mortgage at 1.75% If I sell my house back to myself, my mortgage quadruples, quadruples, right, because it goes from 1.75% to six and a half percent, so I can't even imagine even think about leaving my home, right, because it's just such a perfect loan. Most people don't have anywhere near 1.75% but there's lots of people with more mortgages in the 3% three and a half percent, and 4% range that basically can't go anywhere, and because those homes are not coming into the market. The last three years the market has had this unusual not enough supply factor, and that's been keeping prices up. That is ending. That is ending, because what we've been tracking is the percentage of homes in the United States that have low mortgages. Low is simply defined as anything under four and a half percent, and that percentage is going down each quarter, because you know divorces happen, deaths happen, you know people move for jobs, and so every time that happens, that locked in rate goes away, because you sell your home and move on, and so for a while that lock in effect was predominant, it was controlling everything, but as time has gone on, interest rates were higher in 2324 2526 For also almost four years have passed since the rate started going up. So each quarter the percentage of homes in the US that have these low interest rates has slowly moved down, and we're almost back to a normal timeframe.   Neal Bawa  15:53   And this is causing the single family market to not have a conniption, but we're starting to see a balancing of the market, where it's not just a buyer's market anymore, in some places it's actually seller's market, some places it's a buyer's market. So we're now starting to see home prices drop in number of markets in the United States. I can't say that they've dropped in super majors, but we're seeing a flattening out effect of home prices in most metros in the US, and there should be a flattening effect. Just to be blunt, I mean, obviously I own a bunch of single-family homes, so I just wanted them to keep going up for selfish reasons. But if you think about it, we had huge home price growth in like 30 plus percent in number of years, 2021 22 and even 23 and during those years, salaries only went up by two to 3% a year. In one year, they went up by 4% and rents also went up like crazy. There was a 2021 was 15% rent growth year. So, at some point, there had to be an adjustment, and we are in that period of adjustment where single family prices are basically flat on a national basis. Yes, going up in the San Francisco Bay Area because of AI, and going up in a couple other technology-heavy metros because of AI, but otherwise fairly flat, and I don't expect that to change for the next year. So, my forecast is next 12 to 18 months, home prices in the US are going to be flat on a nominal basis, they're going to be down on an inflation-adjusted basis, but you know, because of the Iran, more inflation's three and a half percent, so home prices should go up three and a half percent. So, if they stay where they are, well, they're really dropping three and a half percent.   Keith Weinhold  17:29   Yeah, before this year began, I released our forecast, it was for 2% nominal home price appreciation in the one to four unit space for the US this year, and I still like how that looks. There's so much to unpack with what you just talked about. In my view, there's nothing unusual at all that when mortgage rates rose sharply a few years ago, that home prices rose as well. Why? Because actually, that's what usually happens, which is counterintuitive to most people. In all of our lifetimes, residential real estate prices have only fallen significantly one time, that was around 2008 due to a number of unusual circumstances. The only thing that's a bit different this time is, of course, how fast rates increased in 2022 and 2023 and people wondering if residential real estate prices could still keep up, and they certainly have, but yeah, you brought up this dichotomy, this bifurcation about how the apartment market and the one to four unit space kind of separated from each other in 2022 or 2023 That's what's so interesting.   Neal Bawa  18:36   I do want to point out a couple things, though, and I don't want to be a Pollyanna here and talk about negative stuff, but I think that there's big difference between 2008 and that timeframe and where we are today, and that difference is, and it has multiple parts. Not all of your audience is aware of this. Until about 2012 the United States had very reasonable birth rates. You know, we were one of those countries that had avoided the debacle that Japan, Korea, China, and a number of other countries are seeing South Korea being the absolute worst, where basically they were producing one baby per generation, where you need about 2.2 babies just to kind of keep your population where it is, right, and the US was unusually high in that, and that we were still above that threshold, which meant that our population would continue to grow and not fall. Now, there was two reasons our population was growing: One, we had more than 2.2 babies per household, and second, we had a very significant amount of legal and a very significant amount of illegal or undocumented immigration. Right, so we had both of those pipelines today. All three of those have flipped, so the United States now basically looks like Korea or China or Japan in that every household is producing about one and a half babies, which means that our population growth, which hasn't stopped yet, because it takes a while for these things to catch. Up is likely to stop, like it's, and at some point decline again. Luckily, we're not there yet. The US is a fairly young population, unlike Japan, which is one of the oldest populations in the world. So, it'll, we'll still continue to see population growth, but there is no doubt. And you can ask Chat GPT, right? How has population growth in the United States slowed over the last 20 years.    Neal Bawa  19:22   Make me a graph, and it will make you a very nice graph, and you'll very clearly see there's a slowdown in population growth. The second part is both documented and undocumented immigration. It's my estimate that since this administration took over, somewhere between half 1,000,001 million people have left the United States. Now it's very difficult to get an actual number, as you can imagine. A number of these people were undocumented, so we didn't really know how many there were to begin with. And a number of them, when they left, they also left by an undocumented rate, that you know, path. So we've lost a bunch of those people, and also the people that have stayed in the country, we've lost a number of them in the workforce. Here's a perfect anecdote, Keith. About 33% of the construction workforce in the United States was undocumented, one in three. In Texas, as much as 40%   Keith Weinhold  19:45   Yeah, that's huge.   Neal Bawa  19:45   It's very significant. Number of those people don't show up for work anymore. I don't think they've left the US, at least I don't think so. But they don't show up for work anymore, because that's how they get caught, right. So, what we've seen is that the construction workforce in the United States has become been decimated over the last 12 months, and the impact is much greater in the second half of 2025 than the first half. Why? Because even though they wanted to do ICE enforcement, they just simply didn't have enough agents, enough facilities, enough judges. When the second half of last year, they sort of started catching up on that, hiring more agents, getting more facilities, getting more judges, and so we started to see a real challenge there. I have properties in 10 markets in the US, and what I can say is about seven of those markets, mostly Southern markets, I am beginning to see dropping occupancy related to this phenomenon. I'm seeing a reduction, and so markets like Georgia and Texas, Florida are more hit than my northern markets like Idaho. I haven't seen any impact at all, but these southern markets, multiple properties, multiple metros, I'm seeing this - people, mostly of Spanish, Mexican origin, not renewing leases. I don't know what they're doing. I don't know if they're sleeping in their cars. I don't know if they're basically just, you know, staying with mom or staying with, you know, some other family. But I'm seeing a very, very big pullback in my leases tied to this, and occupancy is dropping in those markets that are heavily Hispanic. And so I'm seeing the impact of that on landlords, but I also know that there's an impact on the US at all, and overall demand on rentals, whether it's single family or multifamily. This is a significant impact, because I don't think that the Republicans are going to make a U-turn on this. I don't want to get political, but you know, stating the obvious.   Keith Weinhold  19:45   Yes, United States had its biggest birth year in 2007 when there were more than 4 million babies born. The average age of the first time homebuyer today is 40 years old. If that holds true, that peak would take place in 2047 And then, yes, to your point about changes in immigration, yes, it sounds like a potentially a reduction in demand with what you're talking about, with some vacancies, and also maybe a reduction in supply when you have fewer construction workers to build these places as well, we're talking about building properties. Neal, I want to talk to you about the build to rent space. Somewhat is build to rent better than traditional real estate? I think that's what we really want to know. And for those that don't know, build to rent means when you construct a property where from day one that construction project is built for a tenant, not an owner occupant. I see a lot of pros and cons there. Can you talk to us about the trade-offs between build to rent and traditional real estate?   Neal Bawa  19:52   Yeah, if you think about it, it's a really terrible word, built to rent, because if you think about the word built to rent should be apartments, right, but actually doesn't mean apartments, right? So, built to rent actually means single family or town homes that were built to rent out, right? And then you're like, why don't they just said built to rent apartments and town homes? Well, you know, was too long an acronym, and we suck at acronyms anyway. But BTR, or built to rent, is essentially building single family or town homes, but specifically building them to rent, and it doesn't include any apartments at all, right? And the reason why the BTR market was growing in the last five or six years is that roughly 18 million American families can no longer afford to buy starter single family homes, you know, and by starter I mean, small old single-family homes. That's how Americans usually started, you know, in their 20s and 30s. They would buy these homes, some of them, but they would fix up, and then they over time, in their 30s, late 30s and 40s and 50s, they would upgrade, and then at starting the 50s, it would flatten out, and then the 60s, they would start to downgrade, right? That's been a typical thing that's happened in America for 56 5070, years. Well, that is, cannot happen anymore. And it broke in 2022 until 2022 It was a normal cycle beyond 2022 because interest rates almost doubled, and the mortgages almost doubled, but the incomes only increased by 10 to 20% There became this orphaned generation of Americans, roughly 18 million families, that simply cannot afford to buy that starter home, and they are now forever renters. They don't know it. They think that they're going to catch up at some point, but five minutes with an Excel spreadsheet, I could prove it to them that they're not going to catch up.    Neal Bawa  25:35   Maybe one in 100 families would see a very large increase in income, and that would result in them catching up, but for the most part, as a group, these 18 million families, they're forever enters as a group that didn't exist before 2021 right. It's entirely because of this outrageous increase in mortgages, while not seeing a drop in home prices, that led to this, and so those orphan families, they actually earn pretty well, so these are families that make 70, 80, $90,000 in mid markets. They make over $100,000 if they're living on the coasts or in expensive markets, and they still can't buy that, you know, starter home. And so they don't want to live in apartments. I have lots of apartments, old ones, new ones, and I want these people to live there, but they don't want to live there, and so they've been looking for an option, and that option has been developers like me building communities of 200 300 townhomes or single family homes with a small little yard, and then basically from day one, instead of selling them, renting them out, and then once you're done renting out the whole community with 200 tenants, then you sell that to an apartment company. You know, there's lots of apartment companies in the US that have 100,000 units. Well, they want to buy these because the turnover is lower. So, what happens is most of these town homes and single-family homes for rent. Families come in, and they typically rent for three to five years before they move, whereas in on my apartments I lose 40% of my tenants each year. So, if I have 200 tenants, I lose 80 of them every year, and I have to basically go back, clean up those units, deal with the vacancy. But when I have townhome communities like my Idaho Falls townhome community. I lose a tenant at roughly every four years, and so, as you can imagine, profitability goes up when turnover goes down, right?   Neal Bawa  27:31   Because you don't have that cost of turnover and vacancy, and so eventually those large landlords that are holding 100,000 units figured out, I like this, what Neal Bawa is doing, he's building these 200 townhomes, I want to buy these from him when they're rented. I don't want to build them, I don't want to lease them up, I just want to buy them when they're stabilized. And so BTR became that name for that marketplace where developers would build townhomes and single families, rent them out, and then sell them to institutional, and it was some—   Keith Weinhold  27:56   People think of fabulous institutionalization of the starter home.   Neal Bawa  28:00   And in many ways it is, because what happened is, for a while, these institutional players, like Blackstone and BlackRock, they were like, we are just going to go out and buy 50,000 single-family homes, and that's going to be the institutionalized. Well, that worked really well if you bought in 2008 2009 2010 2011 because you got them bought them at a discount, but when they started buying them in 2015, 16, 17, 18 at ever higher prices, they didn't make any money. So the vast majority of these public funds that were created to buy large amounts of single family have failed if they've purchased anything in the last seven or eight years. If they bought before that, they made huge amounts of money. Family homes are so expensive that basically buying them for rental did not make sense, so these companies have now pivoted to saying we'll only buy communities that have 100 or 200 or 300 of these homes, because then we get the benefits of having centralized leasing, centralized property management, centralized maintenance, and I don't have homes spread all over the metro, they're all in one place, and I can make more profit from that. In theory, that's been good, and you might think that I'm bullish on BTR, but I'm actually today bearish on BTR for one single reason. About seven months ago, Republicans started talking about a bill - I don't know what the name of the bill is, but what this bill does is it forces builds to rent developers like me within seven years of building the property to sell all of the homes in that property to single family tenants, not to Blackstone, not to Blackrock, but to single family tenants. Hasn't passed yet, but it passed the Senate with an 8910 vote, which means that both Democrats and Republicans wanted to vote for this. If it passes the House, and because Donald Trump himself is very heavily opposed to it, he's made it very clear he doesn't like this. He's a developer, obviously. It hasn't passed the House yet, but if it passes the house, that will destroy the build to rent market. No one will ever build build to rent, because the worst possible thing is I build this, and within seven years I have to actually sell it to individual buyers. If I do that, my banks are going to hate me and not give me loans to build BTR anymore. Obviously, there's going to be some grandfathering to the communities that I'm building now, or maybe even build the ones that I'm building in 2027 maybe grandfathered. It usually is, because you know, Congress never does anything retroactively, and they give you a year or two, but if it passes, it's doomsday for BTR. I hope it doesn't happen, but that's the way it's looking, because it's bipartisan. Bipartisan bills are more likely to pass   Keith Weinhold  30:40   Now for the mom and pop investor, the individual investor build to rents have obvious appeal due to your point about the lower turnover, lower maintenance costs on a new build, lower insurance costs often on a new build, and then there's the tenant appeal to a new build as well, but of course there is that investor downside. I think a lot of investors are aware of their thin initial cash flow that they're going to have on build to rent, but you know, Neal, another downside with build to rent, I think a lot of investors don't look at is, hey, just how many of these things are they building? Are they building 500 of them? Do I have some overbuild risk if I buy into this community that could suppress occupancy and rents for a while.   Neal Bawa  31:21   What we've seen is that when Built to Rent started out in 2017-2018 it was its own asset class. It wasn't competing with apartments, it wasn't competing with single family rentals, it was just its own thing. However, in the last two or three years, as more and more apartments flooded the marketplace, we had a glut. It moved away from that. It basically started getting affected, and the rent started falling, just like any other portion of the market. You know, think of it as three portions of market. There's the built to rent, which I described, you know, brand new single family homes, town homes per rent. There's the apartments, both brand new and existing, and there's the single family rentals, right, which there are millions of. What we are seeing now is it's become one market, right? All of them are affecting each other, and the apartments, which have a huge amount of glut, there's a massive amount of new apartments that have come in in the last two years, are really pushing the rents down for single family, they're pushing that rents down for BTR. So, at this point, what I would say to people that have this concern, Keith, is simply look at incoming apartment supply, because if you're in a marketplace, and I'll give you examples of really good markets that are crushed right now. If you're in a market that has a lot of incoming supply, whether you buy a single family rental, a quadplex, a 50 plex that's an apartment, or 100 unit BTR, you're going to suffer for rent growth if you have a lot of incoming supply in 2026 and that is across the board in every market in the US. Huntsville, Alabama is, in my opinion, one of the most interesting markets in the US for 5 year, 10 year growth, right?    Neal Bawa  32:54   If I had to say you don't need a loan, it's just your own cash, no investors, where would you put money in? It would be at the top of my list, not at the very top. Idaho Falls is definitely the number one market in the US in my list, but Huntsville is up there. But right now, do you know what rent growth in Huntsville is? Minus 2% negative 2% Why? Because there's 6000 units coming into a market that's, you know, 1/5 or 1/10 the size of Phoenix, right. It's 1/10 the size of Dallas, but it has half the units of Dallas or Phoenix coming in, and so rent growth is negative there. So, what I would say is today absolutely everyone that is an investor should understand that we live in the magic world of AI, and you should be talking with Chat GPT about incoming supply for any market that you're interested in, and using that to make your decisions, because all of these markets merged, BTR, new apartments, old apartments, single family, everything has emerged in the last 24 months, where they're all affecting each other, and if there's too much supply of any one kind, it's affecting all of the other markets, and that's the message that I have. And none of this is like you have to go buy a $25,000 software like Costar today. Chat GPT is your costar.   Keith Weinhold  34:11   You're listening to Get Rich Education. We're talking with the mad scientist of multifamily, Neal Bawa, where we come back, including what he thinks about recovery for the beleaguered multifamily market. I'm your host, Keith Weinhold. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com that's ridgelendinggroup.com    Keith Weinhold  34:56   Let me ask you something: if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family 268 66 That's Family 266 866    Speaker 1  36:00   This is the star of the A E Show, The Real Estate Commission. Todd Rollette. Listen to Get Rich Education with my friend Keith Weinhold, and don't quit your daydream.   Keith Weinhold  36:20   Welcome back to Get Rised Education. We're talking with Neal Bawa, a really sharp multifamily syndicator who's also highly data driven. And Neal, tell us more about the beleaguered multifamily market that had those aforementioned problems really cropping up in 2022 and we had a lot of supply and spiking rates. What does it look like for the path to recovery for the US multifamily market?   Neal Bawa  36:45   Luckily, demand is strong, and even though occupancies have dropped, typically the multifamily market, the large multifamily market in the US, tends to be between 95 and 96% occupied. Okay, and right now we're on 93% so that all that incoming supply means that about 7% of our apartments in the US are empty at the moment, we're trying to fill them, and we are seeing that occupancy drop, not across just new apartments that are leasing up, but also drop in class B and class C. We've also seen a huge increase in concessions, so I studied this quite obsessively, and I can tell you that 2026 in some markets is the recovery year, but not across the board in the United States, and the reason for that is sentiment. Once renters get used to huge amounts of concessions, it's like a drug, it takes a little while before you wean those renters off of those drugs, and so there's that hit right now. Every renter program,   Keith Weinhold  37:44   Everyone wants their freebie for good.    Neal Bawa  37:46   Yeah, exactly. It's like, hey, what, you're not giving me two months free? Hey, what, you're not even offering me one month free? It takes a while for that expectation to happen, because there's such a huge amount of concessions in the US. So, to me, there are a few markets, usually the smaller markets or very fast growing markets, where there's a recovery in 2026 but otherwise 2027 The first half of 2027 is recovery. The second half of 2027 is fast rent growth in a lot of markets. Why? Because remember, interest rates have been high since 2023 A lot of projects were started in 2022 went into construction in 23 came to market in 25 and 26 Lease ups are happening in 25 and 26 By early mid 27 these are all leased up, right? The second half of 2027 there isn't a lot of delivery in any of these big markets, because to deliver in the second half of 27 you would have started construction in that second half of 2025 and I counted those permits market by market. There's just not a lot, because by that time everyone knew that projects were not getting funded, everyone knew that interest rates were high, so there wasn't a lot of supply of new starts in the apartment market in the second half of 25 so there's not going to be a lot of delivery in the second half of 27 and all of the existing stuff would have been leased by then. So 2026 is one of those years where we could still see more concessions in the second half of 2026 I still see rent growth for apartments to be flat. You mentioned single family might be a little bit higher. It tends to be a little bit higher than apartments in terms of rent growth, but I think flat rent growth for 2026 is what I'm projecting. I'm projecting small rent growth in the first half of 2027 for most markets, and then I'm projecting robust rent growth, call it 3% or greater on an annualized basis, in the second half of 2027 and I'm projecting that most markets in the US that are not seeing a population drop, so count out places like Detroit are going to see a very aggressive rent growth, four or 5% rent growth, that's aggressive in our world, in 2028 28 and 29 are shaping up to be. Supply deficit years, years where supply is well under demand.   Keith Weinhold  40:05   It's pretty easy to project completions when you just go ahead and look at starts, and really, what you're counting is the story of absorption.   Neal Bawa  40:14   Yep, and what's nice about apartments is you can actually build a single family home in about nine months, right, but you can't build apartments in less than 24 months. There's just so much permitting issues, there's so many delivery issues, fire code issues, and so we have a crystal ball on the multifamily side that we are now getting better at using. I don't think the industry was very good at this in 2022 but now we're really all obsessed with how many permits does my metro have, and how many permits does my state, and how many permits does the US have? And everyone that I know in the industry that's data driven knows that there's a massive glut now, maybe a little bit of a glutton that remaining portion of 2026 equilibrium in 27 and a huge, huge supply deficit in 28 and 29 So everything that I'm doing is based on this, and this crystal ball actually works because of that two year gap between shovels in the ground and delivery,   Keith Weinhold  41:10   and it sounds like you've recommended Chat GPT as a go-to source for investors to look into these things, that happens to be my favorite one as well, and you are well, maybe it's a bit too much to say, but it almost feels like to me pioneering with the way that you use AI. In fact, I know before our show today you were running some other things in the background that made me wonder, hey, am I talking to the real Neil or the clone Neil? I know I've got the real Neil here, but why don't you tell us about how you're using AI to make data-driven decisions in real estate?   Neal Bawa  41:40   Sure, so the first thing is that we've completed our journey with the low hanging fruit of AI. Every single person in our company is fully trained on how to use Chat GPT. Most of our research-related processes are automated. For example, 100% of our investor updates are now written by Chat GPT. What we do is we go into our property manager meetings on Mondays or Tuesdays sit down with them, beat them up, and the transcript is then taken by our team in the Philippines. They take that transcript and put it into a pre-trained Chat GPT string, it's called a custom GPT, and the string took a while to train, but now that it's trained, all it needs is a transcript. We just copy paste it in, we don't give it any instructions, and it outputs a really wonderful investor update, right. And so our updates for our investors are 99% written by AI. Of course, we'll go in and add our comments at the end of the process. So we've automated investor updates, rent comps, so you know if we are underwriting a new property today, what we do is we simply go into a Google file and copy paste the address and hit enter roughly once a minute. A software, which is written by AI - we're not coders, but the software knows how to write code - it checks the file, if it sees a new address, it goes in there, grabs the address, and then it basically goes to apartments.com rent.com realtor.com and all of these places, and checks the rents for this particular property in two mile radius. It eliminates all the ones that don't match, like you don't want to match the rents of a 1970 or 80s built property with a brand new 25 built property. Those are not comps, it's not comparable. So it basically is very careful, it keeps a radius range of two miles, and also basically is a property of the same kind, you know, like it never matches up a three story property with a 10 story property. Those don't match, one of them obviously is more of a central business district or downtown sort of thing, and so it basically grabs all of those rent comps and then puts them into a file and posts in a Slack channel. Usually it takes it about 1213 minutes to do that, and so whoever put that address in about 12 minutes later goes into the Slack channel and says, "Hmm, these are all my rent comps, right? And boom, now you're basically, you have all these ready rent comps. So, what we've done is, we've automated a significant portion of what we are doing with both our property managers and inside the company with acquisitions and things like that, we're also scraping massive amounts of data from the Bureau of Labor Statistics website, which we just couldn't deal with that data before, and building very beautiful, very interactive dashboards. We don't use Chat GPT for that. We find for dashboarding a tool called Claude, which is by a company called Anthropic, is much better, so we have currently over 150 interactive dashboards that Claude has created that update in real time and give us access to data. If anything, I find that we are in this incredible time where decision making has become much easier, as long as you spend time with these tools. So, in our company we have an absolute mandate that no one has broken for the last year. One year per day, people must program, and by programming we mean issuing common language instructions to tools and build dashboards and build software that automates our work. Have we laid off anyone because of this? I mean that. Be the next obvious question. The answer is no, because it's made it easier for us to serve a much larger audience, so it's easier to grow your company. We just are not hiring anyone, and we haven't hired anybody for the last 18 months, so we have a hiring freeze, but at the same time all of our people are employed because they're they're now much more valuable. So everyone in our company is now a programmer, and even though that sounds weird, it's completely true.   Neal Bawa  45:24   Every single person in our company writes code, and they write code by talking with Cloud Code or talking with Chat GPT, and then Chat GPT, of course, does the actual code writing, but people have become very, very good at answering questions and saying, "I want a dashboard like this, turn these radio buttons into drop boxes, and give me the last month, and last three months, and last 12 months, and do this, and do that, and connect this, and I also want to host this on a server, but I want to make sure that only I can see it. I need a password added. Imagine 1000 of these conversations happening in our company every day. Yeah, that's interesting. And what you just described   Keith Weinhold  46:00   there at Gro Capitas is somewhat of a microcosm for what's happening in the broader economy, where we've been in this low high or low fire environment for quite a while. Well, Neal, as we're winding down here, we recently had a new Fed chair come in. It seems incomprehensible to me that there could possibly be any rate cuts. I don't know how we could responsibly make a rate cut with all these inflationary layers. We had the pandemic, and then terrorists, and then the Iran war, and the energy shocks, and all these bottled up supply chains. What are your thoughts with regard to the Fed?   Neal Bawa  46:29   I still think that we'll get one rate cut, and that rate cut will be based on political pressure. So, for the first time ever, I have seen the Fed break into factions, so if you look at the latest Fed meeting, which happened, you know, there was dissent, there were two clear factions, so the Fed is becoming less data driven and more faction driven, and I think that one of the factions, which obviously wants rate cuts to go down, is going to triumph at some point later in the year, but until we get past the incredible increase in inflation because of the Iran war, I don't think that faction is going to win. Right, there's three or four people in that faction, that's not enough votes to get past the others. So I'm predicting no rate cuts until Q4 of this year. If the Fed was entirely logical, there should still not be a rate card in Q4, but I think it'll happen because there's political pressure.   Keith Weinhold  47:25   The preservation of independence is key. Neil Bhawa, this has been great, and a lot of people learn from you. You're a brilliant educator, as well as what you're doing in the multifamily space, and a lot of other places. So, if someone wants to connect with you, learn more about what you do. What's the best way for them to do that?   Neal Bawa  47:43   So we built a website called Multi Family University. It's completely free. There is no subscription. There's no upsell. We do not have an educational product, but what we do is each year we have 8-12 webinars that we create with their extraordinarily good looking thanks to the use of AI. Yay, and we share them with an audience, and usually between 5000 and 1000 people attend our webinars each year, of which roughly 1% become investors with us. The rest, the remaining 99% just continue to get free access to data, and we cover every imaginable real estate topic: Single family, multifamily, industrial hotels, self storage, Airbnb, and even controversial topics outside of real estate, like climate change or impact of climate change and impact of AI. So you know, multifamily university is the best place you can go to, multifamily you.com/club It's a free club, and it's free forever.   Keith Weinhold  48:42   Neal, it's been valuable to our audience. Thanks so much for coming back out of the show.   Neal Bawa  48:46   Thanks for having me.   Keith Weinhold  48:53   Oh, a terrific, wide-ranging chat with Neal. There, yes, this interesting 2022 divergence between single family and multifamily, the slowing birth rate, and how that won't really catch up with real estate in a big way for perhaps 20 plus more years. How single family rentals beat multifamily on the basis of tenant retention, and a lot more that we covered there, and he's got a good data driven timeline for apartments being back in favor by 2027 and 2028 After the interview, Neil and I chatted some more off Mike, and he would like to come back on the show next year. We're probably going to have him, because we have a lot more to talk about at that time. We can see if the multifamily market is really healing. Also, did you pick up on this? I wonder why, for his own home he would get a 15 year mortgage at 1.75% interest, so I'll have to ask him about that. That's surely a fantastic interest rate, but a 15 year loan rather than a 30 year that maybe he could have gotten at two and a half percent at the time. Well, 15 year probably. Is not the best use of capital, because it increases your equity position rapidly. When instead, those dollars could have been out in the market earning an actual return somewhere else. But he's a smart guy, he must have an answer. We can talk about that at that time. We've got a lot of terrific shows coming up here on the GRE podcast, specific learning episodes, where it's just me teaching you, as well as new guests and returning guests too. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 2  50:35   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.    Speaker 2  51:03   The preceding program was brought to you by Your Home for Wealth Building, getricheducation.com.  

In this episode, I sit down for the third time with the legendary Grant Cardone — real estate mogul, founder of Cardone Capital, and creator of the 10X movement — and this one is the most raw and strategic conversation we've ever had. Grant breaks down his brand-new Real Estate + Bitcoin hybrid fund model, explaining exactly why he's fusing institutional-quality multifamily properties with Bitcoin on the same balance sheet, and why REITs — despite managing hundreds of billions — simply cannot replicate what he's doing. We also get into the origin story of the 10X Growth Conference, why he's shutting it down and pivoting to a wealth management model to compete with Charles Schwab and Merrill Lynch, how his Cardone Foundation is giving inner-city kids access to entrepreneurial education, and why he believes most people should never flip homes. Grant also opens up about the personal and legal challenges that come with scaling at his level, how partnerships protect you, and what the coming "tidal wave" of distressed real estate will mean for investors who are positioned and patient. GRANT CARDONE Grant Cardone is the CEO of Cardone Capital and Cardone Training Technologies, Inc., owning and operating over seven privately held companies. Cardone Capital is a private equity real estate firm managing a multifamily portfolio worth over $5 billion. Under his leadership, the firm has acquired a diversified portfolio comprising 14,600 multifamily units and 500,000 square feet of commercial office space across high-growth U.S. markets, raising more than $1.65 billion in equity from nearly 20,000 accredited and non-accredited investors, while distributing over $400 million in returns with zero investor principal losses. Grant is a New York Times bestselling author, international speaker, and is considered one of the top sales training and social media experts in the world, with over 15 million followers, fans, and connections across his platforms. He is also the founder of the 10X Movement and creator of Cardone University, and in 2024 he pioneered a first-of-its-kind real estate and Bitcoin hybrid investment fund model through Cardone Capital SOCIAL LINKS Platform Handle / Link Website grantcardone.com Instagram @grantcardone X / Twitter @GrantCardone LinkedIn linkedin.com/in/grantcardone ️ YouTube youtube.com/@GrantCardone About Justin: Justin Colby is the host of The Entrepreneur DNA and The M.O.R.E Show podcasts and a best-selling author. He is a serial entrepreneur and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof  LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Exclusive listener discount: Use code ATTEND25 for 25% off your registration! Register here: sarahgibbons.com/shop/p/when-effort-stops-working Join Sarah for a 75-minute virtual live workshop on Wednesday, June 3rd at 12 PM PT. This is the second in a series of four workshops and is designed for leaders who sense that the problem isn't motivation — it's the system they're operating from. You'll learn to work with capacity, timing, and internal alignment instead of against yourself. In 75 minutes, you'll identify: Where your work has become unnecessarily heavy What actually matters right now (and what to ignore) The decisions and actions you already know you need to make In this episode, I sit down with executive coach and founder Sarah Gibbons for a deeply honest conversation about what it really takes to sustain entrepreneurial success without burning out. We explore why hustle culture is a trap, and how intentionality — not more effort — is what separates entrepreneurs who scale from those who stall. Sarah shares how she built a thriving, referral-based coaching practice over 17 years by prioritizing her inner world first: her values, her sleep, her relationships, and her capacity to lead. Together we dig into self-leadership, the courage to pivot, the power of “three-foot tosses,” the myth of time blocking, and why spaciousness is the secret ingredient to creativity. We also talk about navigating uncertainty — whether that's the LA fires, economic shifts, or the messy middle of entrepreneurship — and what it means to show up as the leader you're being called to be right now. About Sarah Gibbons: Sarah Gibbons is an accomplished executive coach and founder of Sarah Gibbons & Co., a global coaching practice dedicated to helping individuals and organizations unlock transformational leadership. With over 15 years of experience, she has worked with top executives and creatives from leading organizations including Goodby Silverstein & Partners, 22 Squared, Hey Wonderful, The LA Clippers, and TBWAChiatDay. A former tech-industry leader with roles at Amazon, IMDb, and Fox Interactive Media, Sarah transitioned her career after earning a Master's in Spiritual Psychology. She is the co-author of The Chalk Collective: Drawing the Life You Deserve and host of The Tidal Podcast. Sarah lived in the Pacific Palisades, a community recently ravaged by devastating fires, where she cultivated her passion for fostering connection and resilience. As a mother of three, she is committed to helping others discover aliveness, self-trust, and legacy impact in both their personal and professional lives. Connect with Sarah: Website: sarahgibbons.com Instagram: @sarahgibbonsco Facebook: facebook.com/sarahgibbons.co LinkedIn: Sarah Lyons Gibbons Substack: @sarahgibbonsco About Justin Colby: Justin Colby is the host of The Entrepreneur DNA and The M.O.R.E Show podcasts and a best-selling author. He is a serial entrepreneur and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Get your FREE copy of Tim's book 'Money, Your Friend' here: https://www.radicalcounselor.com/money-book In this episode, I sit down with Tim Grimes—radical counselor, somatic coach, and bestselling author of Money, Your Friend—to tackle the side of entrepreneurship nobody puts on their Instagram highlight reel: the internal pressure, money shame, and chronic overthinking that silently sabotage even the most driven business owners. Tim breaks down why so many of us started this journey craving freedom but ended up more stressed than ever, and he shares the daily 10–15 minute practice from his book that helps you get radically honest about what you actually want and why you want it—not the Wolf of Wall Street version, but your truth. We go deep on somatic techniques for releasing stress through the body, the dangerous trap of becoming too passive with self-improvement and manifestation, why comparison culture on social media is making entrepreneurs anxious and broke, and why the real shift happens the moment you stop shaming yourself and accept that you're already okay right now. Tim Grimes Tim Grimes is a radical counselor, somatic coach, and multiple-time bestselling author with over 20 years of experience working at the intersection of stress management, money psychology, and personal transformation. Known for his grounded, no-nonsense approach, Tim specializes in the “shadow side” of entrepreneurship—the internal pressure, fear, and shame that most business coaches don't talk about. He is the author of Money, Your Friend, Relax More Try Less, and several other books on manifestation and self-improvement. Tim's work helps entrepreneurs and individuals shift their relationship with money from fear-driven to grounded and calm—without toxic positivity or empty affirmations. Tim's Social & Contact Links Website: https://www.radicalcounselor.com Coaching: https://www.radicalcounselor.com/radical-change-coaching Instagram: https://www.instagram.com/radicalcounselor Email: radicalcounselor@gmail.com About Justin: Justin Colby is the host of The Entrepreneur DNA and The M.O.R.E Show podcasts and a best-selling author. He is a serial entrepreneur and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

There were a few solo ladies at last night’s Met Gala: Blake Lively sans Ryan Reynolds, Zoe Kravitz without Harry Styles, but it was no mystery where Kylie Jenner’s beau was when she was photographed alone! Timothée Chalamet was spotted courtside at the Knicks game. A lot of folks weighing in on whether it’s OK to go your separate ways when you’re in the same city, a few blocks away, on fashion’s biggest night. Some have even suggested it was strategic, apparently there’s a “met gala curse” with a long list of couples who have broken up within months of attending the gala together.See omnystudio.com/listener for privacy information.

There were a few solo ladies at last night’s Met Gala: Blake Lively sans Ryan Reynolds, Zoe Kravitz without Harry Styles, but it was no mystery where Kylie Jenner’s beau was when she was photographed alone! Timothée Chalamet was spotted courtside at the Knicks game. A lot of folks weighing in on whether it’s OK to go your separate ways when you’re in the same city, a few blocks away, on fashion’s biggest night. Some have even suggested it was strategic, apparently there’s a “met gala curse” with a long list of couples who have broken up within months of attending the gala together.See omnystudio.com/listener for privacy information.

There were a few solo ladies at last night’s Met Gala: Blake Lively sans Ryan Reynolds, Zoe Kravitz without Harry Styles, but it was no mystery where Kylie Jenner’s beau was when she was photographed alone! Timothée Chalamet was spotted courtside at the Knicks game. A lot of folks weighing in on whether it’s OK to go your separate ways when you’re in the same city, a few blocks away, on fashion’s biggest night. Some have even suggested it was strategic, apparently there’s a “met gala curse” with a long list of couples who have broken up within months of attending the gala together.See omnystudio.com/listener for privacy information.

In this episode, I sat down with 10-year mortgage industry veteran Sal Rizzolo, Branch Manager at New American Funding, to unpack what's really happening on the front lines of lending right now. We talked about how AI is rapidly automating cookie-cutter loans — and how companies like Freedom Mortgage and Better Mortgage are already racing to cut human loan officers out of the equation. But instead of treating that as a death sentence, Sal breaks down exactly how he and his team are future-proofing themselves by mastering the 203K renovation loan — an FHA product that lets buyers purchase and renovate a home simultaneously with as little as 3.5% down. We dove deep into how this product creates supply in markets starved for inventory, how realtors can use it to close deals they would have otherwise lost, how homeowners can renovate without selling their low-rate mortgage, and why the most complex, human-intensive deals will always need a skilled loan officer who knows what no AI ever will. Sal Rizzolo Sal Rizzolo is a Branch Manager and Senior Loan Officer at New American Funding, based in Long Island, New York, with a growing presence in Florida. With over 10 years in the mortgage industry, Sal got his start after leaving a career as a hairdresser and was mentored by industry veteran Frank, who introduced him to the business and shaped his client-first philosophy. Over the past decade, Sal has built a reputation as one of the go-to specialists in renovation lending — particularly FHA 203K loans — becoming a pioneer of what he calls "ending renovation discrimination" in real estate markets. He operates across nearly all 50 states and is known for working with complex borrower profiles that other lenders pass on: lower credit scores, higher debt-to-income ratios, and buyers with limited down payments. Sal has hosted seminars for real estate agents throughout Long Island, converting educational events into lasting referral partnerships. He is NMLS licensed (#1489171) and is part of the Capo DiBug Team Northeast at New American Funding.   Connect With Sal Rizzolo Instagram: @salrizzolo Instagram: instagram.com/salrizzolo LinkedIn: linkedin.com/in/sal-rizzolo-6802a7181 New American Funding Profile: newamericanfunding.com/mortgage-loans/SalRizzolo     About Justin: Justin Colby is the host of The Entrepreneur DNA and The M.O.R.E Show podcasts and a best-selling author. He is a serial entrepreneur and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

There were a few solo ladies at last night’s Met Gala: Blake Lively sans Ryan Reynolds, Zoe Kravitz without Harry Styles, but it was no mystery where Kylie Jenner’s beau was when she was photographed alone! Timothée Chalamet was spotted courtside at the Knicks game. A lot of folks weighing in on whether it’s OK to go your separate ways when you’re in the same city, a few blocks away, on fashion’s biggest night. Some have even suggested it was strategic, apparently there’s a “met gala curse” with a long list of couples who have broken up within months of attending the gala together.See omnystudio.com/listener for privacy information.

In this episode, I sit down with tax strategist David A. Perez, who has helped his clients save over $1 BILLION in taxes. We break down the fundamental difference between how wealthy people and broke people think about taxes, and David reveals specific strategies that anyone can use—from early-stage entrepreneurs making their first $50K to 7-figure earners looking to pay zero in taxes legally. We dive into depreciation strategies, the Augusta Rule, employing your children, turnkey investment opportunities, and why most CPAs aren't equipped to help high-income earners. David also explains the real reason people like Grant Cardone buy jets and helicopters (hint: it's not just to show off), and why focusing on making more money should be your #1 priority if you're under $250K. If you've ever felt frustrated paying too much in taxes or confused about what strategies actually work, this episode is a masterclass you can't afford to miss. --- ABOUT DAVID David A. Perez had been a widely regarded tax pro for nearly a decade when he was hit with his own six-figure tax bill, forcing him to realize how little he knew at a strategic level. When an experienced CPA mentor told him there was no fix, David dug deep to uncover the game-changing tax strategies that rarely get implemented. David now brings those strategies to the masses on both ends of the financial spectrum. To serve tax professionals directly, he founded Tax Maverick AI (see below). Meanwhile, he serves individual investors by sharing actionable tax strategies. From his frequent media appearances and viral social media posts to authoring three books, David's aim is to make the public understand what's possible: "The tax code wasn't written to punish you. It was written to reward those who understand it. Stop being punished. Start being rewarded." - David A. Perez Connect with David: Website - https://www.davidaperez.com/ Instagram - https://www.instagram.com/iamdavidaperez Facebook - https://www.facebook.com/david.a.perez.301182 YouTube - https://www.youtube.com/⁨@iamdavidaperez⁩  --- About Justin: Justin Colby is the host of The Entrepreneur DNA and The M.O.R.E Show podcasts and a best-selling author. He is a serial entrepreneur and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: * Instagram: @thejustincolby * YouTube: Justin Colby * TikTok: @justincolbytsof * LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Una semifinale da record e leggendaria quella tra PSG e Bayern: i francesi vincono 5-4 nel primo round, lasciando così aperto il passaggio del turno che si deciderà tra una settimana a Monaco di Baviera. Questa sera in campo Atletico e Arsenal. Ne parlano a Potrero Tommaso Murdocca e Nicola Bondavalli.Potrero, dove tutto ha inizio. Un podcast sul calcio italiano e internazionale.Su Como TV (https://tv.comofootball.com) nel 2026 potete seguire in diretta le partite della Saudi Pro League, Saudi King's Cup, Supercoppa d'Arabia, Copa Libertadores, Copa Sudamericana, Recopa, Liga Profesional Argentina, Trofeo de Campeones argentino, Eredivisie, Coppa di Francia, Scottish Premiership, Coppa di Scozia, Scottish League Cup, Scottish Championship, Coppa di Portogallo, Supercoppa di Portogallo, HNL croata e tutti i contenuti di calcio italiano e internazionale on demandDiventa un supporter di questo podcast: https://www.spreaker.com/podcast/potrero--5761582/support.

In this episode, we continue our weekly recaps of the hit HBO original series Euphoria, starring Zendaya, Jacob Elordi, and Sydney Sweeney. We discuss whether Jules could be the reason Rue has another major relapse, and we debate whether Maddy has good intentions in helping Cassie’s online career.See omnystudio.com/listener for privacy information.

In this very first episode of The M.O.R.E. Show — which stands for Maximizing Opportunities in Real Estate — I'm sitting down with my business partner Adam Williams to share why I made the decision to walk away from The Science of Flipping after 13 years and thousands of episodes, and what we're building together with timeformore.com. Adam and I have a combined 40 years in real estate, and we've seen the market from every angle — flips, multifamily, commercial — and what we kept coming back to is a massive gap in the space: people have access to education, but almost nobody is actually taking them from learning to doing and closing real deals. That's exactly what the M.O.R.E. ecosystem is designed to fix, built on three pillars — the show, the M.O.R.E. Club (where members analyze, partner on, and do real deals with us), and live events where the most powerful connections actually happen. With the economic landscape shifting fast, AI displacing jobs, the mortgage qualification rate dropping from 75% to 28%, and the wealth gap widening by the day, Adam and I believe this is the most important time to get in the game — and we're here to help you do exactly that. 0:00 Cold open — what the M.O.R.E. community is built for 0:46 Justin officially introduces The M.O.R.E. Show and explains the pivot from The Science of Flipping 1:44 M.O.R.E. acronym revealed — Maximizing Opportunities in Real Estate 2:14 Adam tells the story of how he found Justin through his wife and hired him as a coach 5:02 40 combined years in real estate — the gap in the marketplace they're solving 7:10 Sponsor: LFS Capital — passive income through multifamily apartment investing 9:25 Breaking down Pillar 1 — The Show and what guests will look like 11:43 Adam on Justin's network and why these interviews will be different 13:10 Pillar 2 — The M.O.R.E. Club: deal analysis, community, and co-investing 14:25 How Justin partnered on 9 deals with Adam — the model for the club 15:42 The state of the economy and why now is the time to get in the game 16:36 Pillar 3 — M.O.R.E. Live events and why in-person is irreplaceable 19:01 Adam's story: raising $1M+ from a Grant Cardone event by sitting front row 20:27 The power of events — $2M invested from two strangers met at a 7,500-person stadium event 23:56 The growing affordability gap — mortgage qualification rate drops from 75% to 28% 24:50 Financial freedom doesn't look the same for everyone — Justin's vision for investors 26:13 You can't do it alone — why community is the #1 accelerator 28:02 Wrap-up and teaser for Part 2 — going deep into real deals, wins, and losses Want to go beyond listening? Join the M.O.R.E. Club at timeformore.com — a community built for real estate investors who are ready to analyze deals, partner with experienced operators, and start building real passive income. Whether you're a beginner or a seasoned investor, there's a place for you here. Visit timeformore.com to explore the show, the club, and upcoming live events. Want truly passive income from real estate — without managing tenants or dealing with repairs? LFS Capital gives accredited investors access to exclusive apartment deals that aren't available to the public. Get monthly cash flow distributions deposited straight to your bank account. Get on the investor list: https://www.lfscapital.com About Justin: Justin Colby is the host of The Entrepreneur DNA and The Science of Flipping podcasts and a best-selling author. He is a serial entrepreneur with over and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

O meteorologista da Defesa Civil Estadual, Mauro Bernasconi, explicou nesta sexta-feira (10), em entrevista à CBN Vitória, que os modelos meteorológicos apontam que ainda pode chover durante a tradicional Romaria dos Homens, que acontece neste sábado (11), saindo de Vitória com destino ao Convento da Penha. Já para domingo (12), para o show do grupo de rock Guns N' Roses, em Cariacica, a expectativa é de tempo mais firme.

O governo do Estado apresentou nesta quarta-feira (08), o modelo de "Operação Integrada para Grandes Eventos", que será aplicado nos próximos dias durante a Festa da Penha e o show da banda Guns N' Roses, no Estádio Kleber Andrade, em Cariacica. Na mobilidade urbana, o governo preparou um esquema especial com reforço no Sistema Transcol e no Sistema Aquaviário, garantindo a conexão entre a Praça do Papa e a região da Prainha, em Vila Velha, principal ponto de concentração das celebrações da Festa da Penha. Para o show de rock, a operação contará com bolsões de estacionamento em pontos estratégicos da Grande Vitória, com linhas exclusivas de ônibus realizando o transporte até o entorno do estádio em intervalos regulares, além de reforço nas áreas de segurança, saúde e mobilidade. Em entrevista à CBN Vitória, o secretário estadual de Mobilidade e Infraestrutura, Fábio Damasceno, fala sobre o assunto.

Wie sicher sind Smart-Home-Systeme wirklich? In dieser Folge der E-Show spricht Moderator Max Herrmannsdörfer mit Holger Arends von Homematic IP (eQ-3) über genau diese Frage – und räumt mit einigen typischen Mythen auf. Klar wird: Moderne Systeme sind heute deutlich besser abgesichert, als viele denken. Verschlüsselte Funkkommunikation (z. B. per AES), lokale Gerätekommunikation ohne Cloud-Zwang und durchdachte Sicherheitsmechanismen wie Benutzerrechte oder physische Authentifizierungsschritte sorgen dafür, dass ein „einfaches Hacken“ in der Praxis kaum möglich ist. Gleichzeitig spielt auch der Umgang mit Daten eine zentrale Rolle – etwa durch minimale Datenspeicherung oder Serverstandorte in Deutschland. Für Fachhandwerker besonders relevant: Sicherheit im Smart Home ist nicht nur eine Frage der Technik, sondern vor allem von Planung, Installation und Konfiguration. Fehlalarme oder Sicherheitslücken entstehen oft durch falsche Platzierung von Komponenten oder unklare Programmierung. Systeme wie Homematic IP zeigen zudem, wie sich Sicherheitsfunktionen intelligent mit anderen Anwendungen kombinieren lassen – von Heizungssteuerung über Licht bis hin zu Alarm- und Zutrittslösungen. Das eröffnet neue Geschäftsfelder und Mehrwerte für Kunden – im Neubau wie auch in der Nachrüstung. Die Folge wird unterstützt von Homematic IP - dem Smart-Home-System für alle Gebäude!

Mit dem rollenden Podcaststudio war das Handwerker Radio Team Mitte März bei der Light+Building in Frankfurt unterwegs. Knapp 2000 Aussteller haben dort ihre Produkte und Innovationen aus den Bereichen Elektrotechnik, intelligente Gebäudevernetzung, Lichttechnik, regenerative Energien, e-Mobility und Sicherheit präsentiert. In dieser Folge hört ihr Interviews mit: - Katrin Wiegard, Geschäftsführerin der Metrel GmbH, und Christian Koch, stellvertretender Geschäftsführer der Metrel GmbH - Frank Goebbels, Geschäftsführer Jokari - Stephan Reiter, Business Development Manager Zaptec - Thorsten Moortz, Strategieberater im Handwerk - Stefan Ehinger, Präsident des ZVEH, und Alexander Neuhäuser, Hauptgeschäftsführer des ZVEH Hinweis: Diese Folge enthält bezahlte Werbekooperationen mit den beteiligten Ausstellern Metrel, Jokari und Zaptec.

2026-03-10 Buffalo und Tampa mit einem Vorgeschmack auf mögliche Playoffs, Malkin wird gesperrt, Kempe mit Rekord, und die letzte Details zur Trade Deadline sind verfügbar. ———————————— Werde dauerhaft Supporter Einmalige Unterstützung per paypal Instagram sportpassion.de Host @larsmah.bsky.social  @Lars_Mah Subscribe: Apple Podcasts | CastBox | Deezer | RSS | Spotify | Youtube byDieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.

2026-03-10 Buffalo und Tampa mit einem Vorgeschmack auf mögliche Playoffs, Malkin wird gesperrt, Kempe mit Rekord, und die letzte Details zur Trade Deadline sind verfügbar. ———————————— Werde dauerhaft Supporter Einmalige Unterstützung per paypal Instagram sportpassion.de Host @larsmah.bsky.social  @Lars_Mah Subscribe: Apple Podcasts | CastBox | Deezer | RSS | Spotify | Youtube by

2026-03-10 Buffalo und Tampa mit einem Vorgeschmack auf mögliche Playoffs, Malkin wird gesperrt, Kempe mit Rekord, und die letzte Details zur Trade Deadline sind verfügbar. ———————————— Werde dauerhaft Supporter Einmalige Unterstützung per paypal Instagram sportpassion.de Host @larsmah.bsky.social  @Lars_Mah Subscribe: Apple Podcasts | CastBox | Deezer | RSS | Spotify | Youtube byDieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.

In dieser Folge der E-Show sprechen Max Herrmannsdörfer und Sascha Brakmüller mit Alexander Neuhäuser, Hauptgeschäftsführer des ZVEH, über die Ergebnisse der ZVEH-Frühjahrskonjunkturumfrage 2026. Die Zahlen zeigen eine weitere Eintrübung der wirtschaftlichen Lage im Elektrohandwerk: Der Geschäftsklimaindex ist auf 65,6 Punkte gefallen – der niedrigste Stand seit über 15 Jahren. Auftragspolster schrumpfen, insbesondere langfristige Vorläufe gehen zurück, und auch bei der Beschäftigungsentwicklung macht sich Zurückhaltung bemerkbar. Die allgemeine Wirtschaftskrise, eine schwächelnde Baukonjunktur sowie rückläufige Umsatzanteile in Neubau, Sanierung und Erneuerbaren setzen der Branche zu. Gleichzeitig wird deutlich: Das Elektrohandwerk bleibt ein Zukunftsgewerk – doch politische Unsicherheiten bremsen Investitionen. Neuhäuser kritisiert fehlende klare energiepolitische Leitplanken und warnt vor Verunsicherung durch die Debatte rund um das Gebäudeenergiegesetz. Für Innungsbetriebe heißt das: strategisch handeln, Beratungskompetenz stärken und an Zukunftsfeldern wie Energiemanagement, Elektromobilität, Digitalisierung und Gebäudesystemintegration festhalten. Auch auf der Light + Building 2026 will der ZVEH genau diese Themen in den Fokus rücken – inklusive Einblicken in KI-Anwendungen und moderner Ausbildung.

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

NOSTELGIA ALERT! Since the internet says 2026 is the new 2016 here is a little treat for you to help your mind go back to a much simpler time. Back when social media was about posting whatever you wanted, whenever you wanted and did not require a full time curation. Back when social media was an extension of reality and not just another form of advertising. Back when the SnapChat dog filter was the ishhhh and palm trees with the Rio filter were all the rage. Music was the same too, much simpler and more soulful. Enjoy this trip back memory lane... recorded in the last days of 2016 by the original host of the DJ Top 30 Countdown. Paulieeeeeeeeeeee B. Even the original cover art screams 2016 simplicity! It really wants me to bring back the Mannequin, or the Water bottle flip challenge. The DJ Top 108 of 2016 – December 31 2016108     Akon & Matoma – Stick around107     Josef Salvat – Paradise106     Craig David & Big Narstie – When the bassline drops105     Bassjackers & KSHRM ft. Sidnie Tipton – Extreme104     Bolier & Redondo – Lost & Found103     Robin Schulz & J.U.D.G.E – Show me love102     OMI ft. AronChupa – Drop in the ocean101     Coleman Hell – Fireproof100     Dua Lipa – Hotter than hell099     Morena – Don't play with my mind098     Sam Feldt & Dante Klein ft. Milow – Feels like home097     Jonas Blue ft. JP Cooper – Perfect Strangers096     Vijay & Sofia Zlatko ft. Tania Zygar – Wildest Dreams095     Filterheadz & Jay Hardway – Home094     Sam Feldt – Summer on you093     Birdy – Keeping your head up092     Sandra Lyng – Play my drum091     Madden – Golden light090     Years & Years- Meteorite089     MICAR ft. Nico Santos – Brothers in arms088     Matt Simons – Catch & release087     Alesso ft. Nico & Vinz – I wanna know086     Selena Gomez – Kill em with kindness085     Julian Perretta – Miracle084     Martin Garrix – Now that I've found you083     Benny Benassi & Chris Brown – Paradise082     Kungs vs Cookin' on 3 burners – This girl081     Michael Calfan – Nobody does it better080     Ellie Goulding – Something in the way you move079     Vicetone – Bright side078     HUGEL & Jasmine Thompson – Where we belong077     AronChupa ft. Little Sis Nora – Little swing076     Marcapasos – Aicha075     Dzeko & Torres ft. Alex Joseph – Home074     C-Bool – Magic Symphony073     Sigma & Rita Ora – Coming home072     Clean Bandit ft. Sean Paul & Anne-Marie – Rockabye071     Nils Van Zandt & Nicci – Up and down070     Lost Frequencies ft. Sandro Cavazza – Beautiful life069     Filatov & Karas – Tell it to my heart068     Kygo – Stay067     NERVO ft. Kylie Minogue, Jake Shears & Nile Rodgers – The other boys066     Dizkodude – Faith065     Poli Genova – If love was a crime064     DJ Antoine ft. Jay Sean – Weekend love063     Martin Garrix & Bebe Rexha – In the name of love062     Angelica Vee – All nighter061     Arnold Palmer – Hey there Delilah060     Blonde & Craig David – Nothing like this059     Martin Solveig ft. Tkay Maidza – Do it right058     Paul Oakenfold ft. Amba Shepherd – U are057     Mike Perry – The ocean056     Dua Lipa – Blow your mind055     Alle Farben – Please tell Rosie054     Bob Sinclar – Someone who needs me053     Anna – Replay052     Gromee ft. May-Britt Scheffer – Fearless051     Fedde Le Grand – Rhythm of the night050     Remady & Manu-L – Another day in paradise049     Tiesto – Summer nights048     ZHU – In the morning047     Mari Ferrari – Hello Hello046     Feder ft. Emmi – Blind045     Janieck – Feel the love (Sam Feldt edit)044     C-Bool – Never go away043     Mike Candys ft. Evelyn – Summer dream042     Klingande ft. Daylight – Losing U041     Tobtok ft. River – Fast Car040     Freischwimmer – California Dreamin039     Lotus & A Rose Jackson – Soulmate (Charming Horses mix)038     Sigala ft. Imani Williams & DJ Fresh – Say you do037     King Arthur & TRM – Talking about love036     Deorro – Bailar035     Galantis – No money034     Margaret – Cool me down033     Cheat Codes x Kriss Kross Amsterdam – SEX032     Bearson ft. Cal – Want you031     Foxes – Cruel030     Sofia Carson – Love is the name029     Jerome Price – Me minus you028     Sigala ft. John Newman & Nile Rodgers – Give me your love027     David Guetta ft. Zara Larsson – This one's for you026     The Weeknd ft. Daft Punk – Starboy025     Aaron Carter – Fool's gold024     Sigala ft Bryn Christopher – Sweet Lovin'023     Alan Walker – Sing me to sleep022     Cash Cash ft. Sofia Reyes – How to love021     Sia – The greatest020     M0 – Final song019     Chemical Brothers ft. Beck – Wide open018     Krewella – Broken Record017     Axwell / Ingrosso – Thinking about you016     The Veronicas – On your side015     Yall ft. Gabriela Richardson – Hundred Miles014     Zara Larsson – Ain't my fault013     Vinai – Into the fire012     Ariana Grande – Into you011     Lea Rue – Sleep010     Kygo ft. Julia Michaels – Carry me009     Felix Jaehn – Bonfire008     Rainman ft. OLY – Bring back the summer007     Mashmello – Alone006     Mike Posner – I took a pill in Ibiza (Seeb mix)005     The Chainsmokers ft. Daya – Don't let me down004     Calvin Harris ft. Rihanna – This is what you came for003     Clean Bandit ft. Louisa Johnson – Tears002     The Chainsmokers ft. Halsey – Closer001     Alan Walker – Faded Episode Credits:Host: AvaExecutive Producer: Paul BuryMusic Curation & Countdown: AvaCreative Direction: Paul BurySound Design & Editing: AvaSpecial Thanks: To all the amazing artists featured and our listeners for tuning in each week!

Neste episódio, falamos sobre a chegada de Semenyo ao Manchester City, que não vence há três jogos, recorde de Igor Thiago, a busca do United por um interino e um técnico para o futuro, a partidaça de Raphinha na Supercopa da Espanha e muito mais! Gustavo Hofman também conversou com Vinicius Vianna, jogador do Samgurali-GEO. Vem com a gente! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Raju Patel founded eShow over 25 years ago after building a speaker portal for a magazine company and realizing he had a repeatable software product. What began as a one-man shop in suburban Chicago evolved into a robust event-management platform serving associations that needed complex, multi-module functionality. His business grew steadily as he delivered registration, booth management, speaker portals, and onsite systems for demanding event teams.  Today eShow has 125 employees, more than 14 integrated modules, and supports hundreds of events each year for 300+ customers, including large association conferences with tens of thousands of attendees. The company has always been profitable, self-funded, and built through careful reinvestment, steady hiring, and deep product expansion. Raju rebuilt the platform multiple times, including a shift to a modern stack. Still independent with over $10 million in revenues, Raju is now building a VP-level leadership team, exploring practical growth capital, and planning a hybrid event model that blends in-person and virtual experiences. His story highlights long-term passion, practical growth, and a deliberate shift from hands-on founder to capable CEO after decades in the game. Key Takeaways Deep Domain Focus – Serving the most complex association events created defensible differentiation. Slow, Steady Compounding – Year-over-year growth came from incremental improvements, not big bet. Passion Over Money – Raju built for love of the work, not an exit, which sustained him through decades of change. Multiple Rewrites Needed – Long-term SaaS requires full platform rebuilds, and Raju completed two with a third underway on a modern stack. Late-Stage Professionalization – Hiring VPs, defining ICPs, and strengthening leadership came only after passing the $10M threshold. Quote from Raju Patel, founder of eShow "Looking back after 20 years running this as a small business in software,  think I would have figured out how to pull a little bit more money out. It would have given me a better peace of mind."  "I wouldn't have even known how to spend if I pulled a million out back then, it would have been wasted. I was very frugal and investing in my business every year."  "But now I could figure out how to spend a million dollars, on savings and other personal spending that would be meaningful. It would be liberating. I deserve it, so I'm going to spend a little bit more, not be frugal. I can be frugal in my business and in my personal life not be so frugal!" Links Raju Patel on LinkedIn eShow on LinkedIn eShow website Podcast Sponsor – Full Scale This podcast is sponsored by Full Scale, one of the fastest-growing software development companies in any region. Full Scale vets, employs, and supports over 300 professional developers, designers, and testers in the Philippines who can augment and extend your core dev team. Learn more at fullscale.io. The Practical Founders Podcast Tune into the Practical Founders Podcast for weekly in-depth interviews with founders who have built valuable software companies without big funding. Subscribe to the Practical Founders Podcast using your favorite podcast app or view on our YouTube channel. Get the weekly Practical Founders newsletter and podcast updates at practicalfounders.com. Practical Founders CEO Peer Groups Be part of a committed and confidential group of practical founders creating valuable software companies without big VC funding.  A Practical Founders Peer Group is a committed and confidential group of founders/CEOs who want to help you succeed on your terms. Each Practical Founders Peer Group is personally curated and moderated by Greg Head.

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

My village said I needed to create a space and share my MOTIVATIONS, what struggles and obstacles I've OVERCOME, and how these events and situations have ELEVATED me as a person in different aspects of my life! Guests join me to share their own personal stories from hardships to triumphs and everything in between. Tune in for great conversation, thought provoking art, and inspirations for a better you, today!

+++ Frankreichs Regierung gestürzt – Frankreichs Schulden bleiben +++ Ministerin Warken entsorgt Lauterbach Erbe – darf es aber nicht sagen +++ Merz warnt vor China +++ Landgericht rügt Amtsgericht: Hausdurchsuchung rechtswidrig +++ Neues Werk von Banksy – sofort abgedeckt - Ermittlungen laufen. Fällt das letzte Geheimnis? +++ IAA zwischen E-Show und Realitätscheck, Autoindustrie jubelt E-Autozeiten zu +++ Strombilanz erstes Halbjahr: kaum Wind - kaum Strom, Kohle und Gas müssen es richten +++ TE Energiewendewetter +++ Alle Fakten zur steuerfreien Anlage in Silbergranulat, sicher verwahrt im Schweizer Zollfreilager, finden Sie auf https://www.silber-deposito.ch/. 
☎️ Sie telefonieren lieber, dann erreichen Sie die BB Wertmetall Experten unter 0341 99 17 000. 


Stelzenmüller, Constanze www.deutschlandfunkkultur.de, Interview

Tori 2.0 wants to declutter and she’s calling in the big guns. Enter Dr. Robin Zasio from the popular A&E Show “Hoarders.” Is Tori truly a hoarder by definition? Or has Misspelling been mislabeled all along?Can she really turn her noTORIously disorganized home into a place of peace and restoration?See omnystudio.com/listener for privacy information.

Tori 2.0 wants to declutter and she’s calling in the big guns. Enter Dr. Robin Zasio from the popular A&E Show “Hoarders.” Is Tori truly a hoarder by definition? Or has Misspelling been mislabeled all along?Can she really turn her noTORIously disorganized home into a place of peace and restoration?See omnystudio.com/listener for privacy information.