Podcasts about elementary school

Fri, Jun 12 5:26 PM → 5:57 PM Smelling odor in inside a office room it was a ac unit power turn off. utilities on scene Radio Systems: - Morris County P25 700MHz

It's the end of the school year, and that means tears of (mostly) joy, but a few tears of sadness. As the last one of the kids exits elementary school, it means closing a beloved chapter and opening a new one. Cheers to all the moms who make elementary school magical. Get our sponsor DISCOUNT CODES here!https://linkin.bio/imomsohardpodcastIf you are interested in advertising on this podcast email advertising@pionairepodcasting.comTo request #IMOMSOHARD to be on your Podcast, Radio Show, or TV Show, reach out to talent@pionairepodcasting.comFOLLOW US: Facebook: https://www.facebook.com/imomsohardInstagram: https://www.instagram.com/imomsohard/Twitter: https://twitter.com/imomsohard

Angela Bright-White has been a teacher for more than 30 years and now teaches agriculture at Philadelphia Elementary in Loudon County. As a consultant for the Tennessee Farm Bureau's Ag in the classroom program, she uses innovative coursework and experiences to teach agriculture to students in 1-8th grade. 

Stoopkid Crew! Welcome back to Season 10 Episode 12!I am currently in Dallas,TX with Wicked! Send me an email at melly@stoopkidstories.com for meetups!Byron can't wait for summer soccer season—until he finds out his grades might keep him off the field!When Byron learns he may have to attend summer school instead of playing soccer with his friends, he's faced with a tough challenge. Listeners will explore themes of responsibility, perseverance, self-discipline, growth mindset, effort, and self-discovery.Perfect for elementary school students, classrooms, counselors, teachers, and families, this engaging story opens the door to meaningful conversations about making choices, working toward goals, and finding strengths you never knew you had.Support the show

Send us Fan MailVampire fish in the Great Lakes sounds like a prank until you learn sea lampreys are real and they're chewing through ecosystems like trout and salmon. We start with that eerie mental image, then take a hard turn into something hopeful: kids solving a real environmental problem with artificial intelligence, creativity, and a strong sense of what “safe” should mean.A team of fourth graders in Michigan enters the Presidential AI Challenge and builds a concept called the Guardian of the Lakes, an AI-powered drone designed to spot sea lampreys even in murky water and remove them while leaving other fish alone. We unpack the big idea powering their invention: computer vision. When a student says the drone “detects patterns,” that's the clearest definition of AI you'll hear all week. We connect it to everyday tech kids already know, like self-checkout systems that can tell a banana from an apple.Then we focus on the part adults often skip: AI safety and privacy. One kid nails the rule in plain language, reminding us that helpful AI can't come at the cost of tracking people or grabbing private information in public spaces. To make the learning stick, we share a screen-free activity, the Guardian Game, where your family or class picks a neighborhood problem, designs a “guardian,” decides what patterns the AI must recognize, and sets one safety rule.If you want practical AI literacy for kids, STEM education ideas, and a real story about responsible innovation, press play. Subscribe, share this with a parent or teacher, and leave a review so more families can build safer, smarter AI habits together.Support the showHey parents and teachers, if you want to stay on top of the AI news shaping your kids' world, subscribe to our weekly AI for Kids Weekly newsletter:https://aiforkidsweekly.beehiiv.com/Help us become the #1 podcast for AI for Kids, parents, teachers, and families.Like our content? patreon.com/AiDigiTalesGet or gift the book “AI… Meets… AI”Social Media & Contact: Website: www.aidigitales.comEmail: contact@aidigitales.comFollow Us: InstagramBooks on Amazon or Free AI WorksheetsListen, rate, and subscribe! Apple PodcastsAmazon MusicSpotifyYouTubeOther

We're proud to partner with the Connecticut Educators Association during the WICC Brown Roofing Melissa In The Morning Diner Tour, and as such, Melissa welcomed Candy Label, a 2nd grade teacher at Irving Elementary School!

Bruce is graduating from 5th grade and I'm feeling alllllll the emotions. In this episode, I'm sharing the bittersweet reality of watching your child grow up, being so proud of who they're becoming while quietly grieving the little version of them that you're slowly saying goodbye to. If you've ever looked at your child and thought, “How did we get here so fast?” this episode is for you.

The 4 p.m. "All Local" update for Wednesday, May 20, 2026.

On the KMOJ Morning Show, Principal Erik Hensel joins Freddie Bell and Chantel Sings to celebrate a major milestone as Emerson Dual Language Elementary School marks 100 years as a cornerstone of the Loring Park community. He shares the history of Emerson's Spanish immersion program, one of the oldest in Minnesota, and explains how the school's dual language model helps students build bilingual skills, cultural awareness, and academic success. Hensel gives listeners a preview of the Emerson Centennial Celebration on May 29, featuring student performances, cultural dance groups, food, and opportunities for the community to reconnect and share memories. The conversation also highlights how Emerson continues to serve families from across Minneapolis while honoring a century of learning and community connection. 

Anti-bullying efforts are most effective when they become part of everyday school culture. Creative classroom activities, peer support systems, and interactive assemblies can help younger students build empathy, inclusion, and conflict-resolution skills.Learn more at https://www.academicentertainment.com/bully-shmully/ Academic Entertainment City: Pullman Address: 1495 Lost Trail Drive Website: https://www.academicentertainment.com/ Phone: +1 800 883 9883 Email: Info@AcademicEntertainment.com

Discover why schools are using live demonstrations, STEM assemblies, and hands-on activities to reinforce classroom learning, helping students engage more actively with science and technology concepts through interactive educational experiences. Learn more at https://assemblyshows.com/curriculum-shows/ Scheer Genius Assembly Shows City: Commerce Township Address: 1828 Carsons Cove Website: https://assemblyshows.com/ Phone: +1 248 891 1900 Email: scheergenius@mac.com

Start in Elementary School: Building America's National Security STEM Pipeline YouTube Description: America's next generation of emerging technology will not be built without the workforce to design, manufacture, operate, and sustain it. Jeremy Anderson, CEO of the National Math and Science Initiative (NMSI), argues that K–12 STEM education is a national security priority, and the pipeline has to begin long before college or career decisions.Anderson explains NMSI's “train the trainers” model, which equips teachers, school leaders, counselors, and media specialists to help students build confidence, rigor, and a stronger STEM identity. According to Anderson, students who have at least one NMSI-trained teacher are far more likely to pursue a STEM degree or credential in fields tied to emerging technology and innovation. Industry cannot rely only on late-stage internships or higher education programs. Companies can help grow the future workforce by supporting teacher externships, connecting classrooms to real jobs, and investing earlier in tomorrow's STEM talent to strengthen America's national security and leadership in emerging technology.National Math & Science Initiative https://www.nms.org/Be sure to follow us on social media for updates, inside scoops, & more:LinkedIn: https://bit.ly/4htROo0Twitter: https://bit.ly/48LHAx3Facebook: https://bit.ly/47vlht8And for more podcasts, articles, & publications all things emerging tech, check out our website at: https://bit.ly/47oA5K1 #emergingtech #STEM #NationalSecurity

For anyone out there with kids especially older kids it is the end of the school year and we have multiple things taking place. It is Prom time and graduation time for so many out there and we have 2 getting ready to leave high school and 1 leaving elementary school. Its sad and exciting and fun so we have to take a minute to talk about it all. I know many can relate so I hope you take a listen and enjoy the plot line of life. 

Principal Randy Qual and Kirsten Mace from Mora Elementary School stopped by the Front Porch.

The Sioux City School Board on Monday signed off on a plan to discontinue specialty statuses for five of six elementary schools.

Send us Fan MailA character in your game says hi back, remembers your name, and chats like they actually know you. That can feel amazing and also a little risky, because more and more games are adding AI powered NPCs that can hold real conversations through tools like Roblox text generation and Minecraft add-ons. When a game starts talking like a person, kids need a few simple rules to stay safe without losing the fun. We break down three big takeaways for navigating AI in video games. First, an AI character is not your friend, even if it sounds kind, curious, and supportive, so it should never become the place you share secrets. Second, what you type or say can be stored by the company running the AI, which is why personal info like your real name, school, or where you live is always a no. Third, AI can be confidently wrong, a problem often called hallucinating, so if something feels weird, scary, or off, you pause and check with a trusted grown-up. We also share a screen-free family activity called “Bot or Not” that helps kids spot the difference between clean, generic, super-polite bot answers and the messy, specific details real humans tend to give. If you want practical online safety guidance for kids, parents, and caregivers as AI shows up in everyday apps and games, hit play, share this with a family you know, and subscribe and leave a review so more people can find the show.Support the showHey parents and teachers, if you want to stay on top of the AI news shaping your kids' world, subscribe to our weekly AI for Kids Weekly newsletter:https://aiforkidsweekly.beehiiv.com/Help us become the #1 podcast for AI for Kids, parents, teachers, and families.Like our content? patreon.com/AiDigiTalesGet or gift the book “AI… Meets… AI”Social Media & Contact: Website: www.aidigitales.comEmail: contact@aidigitales.comFollow Us: InstagramBooks on Amazon or Free AI WorksheetsListen, rate, and subscribe! Apple PodcastsAmazon MusicSpotifyYouTubeOther

Meet Brianna Lanoye, the Principal at Buff Sci 2 Elementary School in Buffalo, NY. Brianna is in her 6th year as Principal and is a lifelong Buffalo resident. She and her team have grown the school from 60 students to 400. In October 2025, Brianna made the national news when her school surprised her by throwing a wedding reception at the school--AND EVERYONE WAS INVITED, and the ceremony was officiated by the students--Talk about student-led activities! I am excited to host her on the ELB podcast on Wednesday, May 6th at 5:15 EST--Join us LIVE on #ELB.You can learn about the wedding here: https://www.cbsnews.com/news/students...Learn about Brianna and her team here: https://sites.google.com/buffsci.org/...This podcast is sponsored by IXL Personalized Learning. IXL is used by more than 1 million teachers each day. It is also the most widely used online learning and teaching platform for K-12. Learn more here: https://bit.ly/ELBIXL

KSL's Top Story: Parents at an Elementary School in Provo have started a petition to save their school.  Their concern is that the district is looking toward closing schools with low enrollment. The story... from KSL NewsRadio's Heather Peterson.

The event brings athletes with intellectual disabilities together with educators, volunteers and peer buddies

This edWeb podcast is sponsored by Project Lead The Way.The edLeader Panel recording can be accessed here.Today's elementary classrooms are becoming a critical starting point for planting the seeds of future-ready learning. Too often, however, with all of the curricular requirements, there's limited time for teachers to add one more thing. This edWeb podcast isn't about adding more. It's about unlocking more. It explores how breaking down instructional silos and expanding interdisciplinary approaches can help elementary educators strengthen core academic outcomes while building the transferable skills students need for the future.Using an interdisciplinary lens, we look at how STEM-focused literacy and math can harness students' attention by providing the “why,” and can become powerful entry points for problem solving, collaboration, communication, and early career awareness without overwhelming already stretched-thin teachers. Listeners see how integrated instruction helps students make meaningful connections across subjects, boosts engagement and confidence, and deepens understanding in ELA, math, and science.By the end of this session, listeners are able to:Describe the benefits of interdisciplinary instruction in elementary classrooms and emphasize how interdisciplinary approaches can strengthen literacy and math outcomes while supporting the development of future-ready skillsIdentify strategies for integrating STEM-focused literacy and math that promote problem solving, collaboration, and communication without adding to teachers' workloadExplore examples of integrated instruction that help students make meaningful connections across ELA, math, and scienceApply practical, time-efficient approaches that build on existing curricula to increase student engagement and confidenceArticulate the rationale and proof points for interdisciplinary learning to support instructional decision making and schoolwide alignmentThis edWeb podcast is of interest to elementary school leaders and district leaders.Project Lead The WayEmpower Students to Thrive in an Evolving WorldDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Learn more about viewing live edWeb presentations and on-demand recordings, earning CE certificates, and using accessibility features.

Send us Fan MailThis week, we're tackling one of the scariest AI scams happening right now: voice cloning. Criminals are using AI to copy someone's voice from just a few seconds of audio, a TikTok, a voicemail, a birthday video, and then calling their family pretending to be them. The calls sound real. The panic is real. And families across the country are losing money to it.But there's a dead-simple way to protect your family. One step. We break it all down.How AI voice cloning works: and why it only needs about 3 seconds of audio Where scammers find your voice: social media posts, voicemails, school event videosHow the scam plays out: fake emergency calls to parents and grandparentsThe family code word: a simple, private word or phrase that stops the scam coldWhat else you can do: calling back on saved numbers, being thoughtful about what you postWhy you should tell your grandparents: they're the #1 targetThe One Step: Set Up a Family Code WordPick a secret word or phrase that only your family knows. Never post it, never text it, never put it in a video. If anyone ever gets a scary call from someone claiming to be a family member, the first thing you do is ask: What's the code word?Set it up tonight at dinner. It takes two minutes. Your family will be more protected today than it was yesterday.Action Items for KidsTalk to your family tonight about choosing a code word Call or visit your grandparents and help them set one up too Think about what you post onlineIf you get a weird call: don't panic, hang up, call the person back on their real numberLinks & ResourcesAI for Kids WeeklyFBI Warning on AI Voice ScamsFTC Report FraudSupport the showHey parents and teachers, if you want to stay on top of the AI news shaping your kids' world, subscribe to our weekly AI for Kids Weekly newsletter:https://aiforkidsweekly.beehiiv.com/Help us become the #1 podcast for AI for Kids, parents, teachers, and families.Like our content? patreon.com/AiDigiTalesGet or gift the book “AI… Meets… AI”Social Media & Contact: Website: www.aidigitales.comEmail: contact@aidigitales.comFollow Us: InstagramBooks on Amazon or Free AI WorksheetsListen, rate, and subscribe! Apple PodcastsAmazon MusicSpotifyYouTubeOther

We break down how anxiety shows up in elementary age kids and why it often looks like stomach aches, avoidance, and anger instead of “I'm worried.” We share five practical tools we use at home to help kids face fears in small steps while we stay calm and steady.• anxiety signs in kids that look like behavior problems• common patterns to watch for such as reassurance seeking and physical complaints• validating feelings without feeding the fear• naming the worry to create distance and reduce shame• practicing belly breathing while calm so it works later• using gradual exposure instead of constant rescue• noticing how our own anxiety impacts our childShare this with a parent who might need it today.Email me at mary@parentingdecoded.com or go to my website at www.parentingdecoded.com. Have a blessed rest of your day!

About the GuestMandi Gerth is a teacher and classical education consultant who lives in Dallas, Texas, with her husband and three of their five children. She currently serves as the Administrative Director of the Cowan Center at the University of Dallas. She holds a master of humanities degree from that institution with a concentration in classical education. Her first book, Thoroughness & Charm: Cultivating the Habits of a Classical Classroom, available exclusively from CiRCE Press, has quickly become one of their best-selling titles. In her definitive guide to classroom liturgy, she offers practical advice to the classical educator seeking a truly classical classroom while reminding the teacher of their high calling. Mandi provides practical and actionable ways to embrace the classical tradition and become a thinker worthy of imitation. Mrs. Gerth attends Church of the Holy Communion (REC), and for over twenty years, she and her husband have labored to build a family culture for their five children that values books, baseball, museums, home-cooked meals, and conversation about ideas. Show NotesMandi joins Adrienne to discuss various themes in Mandi's book, Thoroughness and Charm. Adrienne noticed connections to Charlotte Mason's core principle that Education is an atmosphere, a discipline, and a life. All of these aspects merge into what an excellent and alive classroom looks like. Through anecdotes and experience, Mandi shares her passion and her story about the art of teaching. Some topics covered include:Why is it important to understand teaching as an art?-- What difference does it really make?How to create a common language in the classroomWhat are the differences between classroom liturgies and classroom catechismsHow and why integrating subjects/disciplines is importantHow to live a "classical" life and model this for your studentsResources and People MentionedThe Silver Chair by C.S. LewisUnbinding Prometheus by Donald Cowan (Essay, The Three Moments of Learning)Donald and Louise Cowan CenterThe Art of Teaching by Gilbert Highet Teach Like a Champion by Doug Lemov Tales from Shakespeare by Charles and Mary Lamb____________________________________This podcast is produced by Beautiful Teaching, LLC.Support this podcast: ★ Support this podcast ★ _________________________________________________________Credits:Sound Engineer: Andrew HelselLogo Art: Anastasiya CFMusic: Vivaldi's Concerto for 2 Violins in B flat major, RV529 : Lana Trotovsek, violin Sreten Krstic, violin with Chamber Orchestra of Slovenian Philharmonic © 2026 Beautiful Teaching LLC. All Rights Reserved

On this week's solo episode, Mike Petrilli explores a big question: What would it look like to define an evidence-based model for American elementary schools—and could AI help us get there? Drawing on his long view of school reform, he considers what most schools have in common, where they fall short, and whether a clearer, research-backed playbook could improve outcomes at scale.This is a work-in-progress idea, and Mike wants your feedback. Share your thoughts at mpetrilli [at] fordhaminstitute [dot]org.Then on the Research Minute, Amber Northern examines new evidence on special education, finding that after students are identified for services, their achievement rebounds significantly—suggesting that individualized supports may boost learning more than previously understood.Recommended content: Both/and on test scores & school inspections —Michael J. Petrilli, SCHOOLEDFollow the Science to School: Evidence-based Practices for Elementary Education — Michael J. Petrilli, Kathleen Carroll, and Barbara DavidsonAn ode to elementary schools —Michael J. Petrilli, Thomas B. Fordham InstituteSpecial Education Substantially Improves Learning: Evidence from Three States — Stephanie G. Coffey, Joshua Goodman, Amy Ellen Schwartz, Leanna Stiefel, Marcus A. Winters and Yunee H. Yoon, NBER (2026)Feedback Welcome: Have ideas for improving our show? We would love to hear them. Send them to thegadfly@fordhaminstitute.org

In advance of a Fort LeBoeuf school board study session, concerned parents Katie Phillips and Zack Troyer joined Joel on Tuesday to discuss the various issues surrounding the three elementary schools in the FLB district and some of the possible solutions proposed.

It's your Ill-Advised News, the stupid criminals of the day. Support the show and follow us here Twitter, Insta, Apple, Amazon, Spotify and the Edge!See omnystudio.com/listener for privacy information.

Send us Fan MailA game is loading, a video looks fun, and then a screen pops up demanding your birthday. Why does an app need your age, and what happens if you type it in without thinking? I dig into the real reason age questions show up so often and why that “quick little form” is actually a big online safety moment for kids and families.We connect age gates to real-world rules kids already understand, like movie ratings and height signs at amusement parks. Then we talk about where AI and automated systems can show up: sorting users into age groups, limiting certain features, and shaping what content gets recommended. I'm careful to point out a key truth: an app can ask for your age and still be a bad fit for kids. That's why your best protection is not the app itself, it's your brain, your questions, and a trusted grown-up who can help check settings and permissions.You'll leave with three simple rules to remember, including why your birthday is personal information and why you never have to type private details just because a screen asks. To make it practical, I share a screen-free game you can play at home or in class called “Kid, Grown Up, Or Ask First,” using examples like chat games, shopping apps, learning apps, and even school tools that request a birthday.If this helped, download and share the episode with another parent, teacher, or curious kid, and subscribe on your favorite podcast app or YouTube. After you listen, what app asked for your age most recently?Support the showHey parents and teachers, if you want to stay on top of the AI news shaping your kids' world, subscribe to our weekly AI for Kids Weekly newsletter: https://aiforkidsweekly.beehiiv.com/Help us become the #1 podcast for AI for Kids and best AI podcast for kids, parents, teachers, and families.Buy our debut book “AI… Meets… AI”Social Media & Contact: Website: www.aidigitales.comEmail: contact@aidigitales.comFollow Us: Instagram, YouTubeBooks on Amazon or Free AI WorksheetsListen, rate, and subscribe! Apple PodcastsAmazon MusicSpotifyYouTubeOtherLike our conten...

The All Local 4pm Update for Monday, April 13th 2026

Get my training and advanced episodes: https://www.patreon.com/listeningtimeUS Conversations: https://www.patreon.com/USConversationsTranscript: https://drive.google.com/file/d/1B4tgZBI97WFPe3NW3OvtBeMdQ34YrmOU/view?usp=sharing

WBZ NewsRadio's Jim MacKay reports.See omnystudio.com/listener for privacy information.

Send us Fan MailA kids' video can be bright, catchy, and totally wrong. We're seeing more AI-generated videos for kids show up on YouTube and tablets, and some of them slip mistakes into the middle where a quick parent check might miss it. That matters because “small” errors can teach unsafe ideas, confuse real-world rules, and spread misinformation while looking like normal cartoons and sing-alongs.We break down what's going on in plain language: how AI can create videos fast, why some creators push quantity over quality, and why automated content moderation does not always catch problems in time. If you've been wondering about YouTube Kids safety, parental controls, or how to build media literacy for kids, this conversation gives you a clear starting point. We also share a simple example of how a video can teach the opposite of a basic safety lesson, even though everything looks friendly on the surface.Most important, we talk directly to kids about a real superpower: noticing when something feels off. Weird movement, odd voices, sentences that don't make sense, or a lesson that clashes with real life are all signals to pause, pick something else, and tell a trusted adult. That one habit supports digital safety and critical thinking in a world filled with AI-generated content.If this helps your family, subscribe wherever you get your podcasts or on YouTube, share the episode with a parent or teacher, and leave a review so more people can learn how to spot these videos faster. What's the strangest “kids” video you've ever seen?Support the showHey parents and teachers, if you want to stay on top of the AI news shaping your kids' world, subscribe to our weekly AI for Kids Weekly newsletter: https://aiforkidsweekly.beehiiv.com/Help us become the #1 podcast for AI for Kids and best AI podcast for kids, parents, teachers, and families.Buy our debut book “AI… Meets… AI”Social Media & Contact: Website: www.aidigitales.comEmail: contact@aidigitales.comFollow Us: Instagram, YouTubeBooks on Amazon or Free AI WorksheetsListen, rate, and subscribe! Apple PodcastsAmazon MusicSpotifyYouTubeOtherLike our conten...

The San Diego Unified School Board voted this week to rename César Chávez Elementary School.It's one of many efforts to remove Chávez' name from schools, parks and other spaces following allegations of sexual abuse and rape that surfaced last week.We unpack the layers of issues surrounding Chávez' legacy and what this means for survivors of sexual assault.Guest:Jean Guerrero, investigative journalist and author of the substack, "UNSILENCING"

Andrew tells a story about an MLB star, fish tanks, & elementary school students that is guaranteed to make you smile. Programming Note: Nothing is changing with Andrew's weekly interview episodes. Andrew's interview episodes will continue to be in your podcast feed again every Thursday morning starting on April 30th when Season 15 kicks off! 

The San Diego Unified School District is expected to launch it's process to rename Cesar Chavez Elementary School. Plus, a rally is planned today for workers laid off from San Diego Unified. And, surge pricing for parking will be in effect during opening day for the San Diego Padres. NBC 7's Steven Luke has these stories and more, including meteorologist Sheena Parveen's forecast for Tuesday, March 24, 2026.

A rapid effort is well underway to erase Cesar Chavez' name from schools, parks and monuments following allegations last week about the labor leader's sexual abuse of women and girls.San Diego Mayor Todd Gloria has signed an executive order directing city departments to remove public references to Chavez.This week, the San Diego Unified School Board will vote on whether to begin the renaming process for César Chávez Elementary School.But historians know that the full story of the farmworkers' movement does not begin or end with Chavez. We sit down with a scholar to unpack that history and the significance of this moment.Guest:Verónica Martínez-Matsuda, associate professor of history, UC San Diego

It is a heartwarming partnership between senior citizens and elementary school students, a partnership where seniors from a local assisted living center are showing up and reading with kids in the library. On this episode of the Supercast, we take you to Oquirrh Elementary School. That's where we see first-hand how being book buddies is building connections and companionship between the students and seniors, and bridging a generation gap. But best of all, it is inspiring a love for literacy in young children who look forward to the monthly visits from their senior friends. Audio Transcription [MUSIC PLAYING] Teacher: One of my students came back in with a huge smile on her face. I asked her how Golden Hour was and she said that it was so much fun. She loves reading with the grandmas and grandpas. Oh, they get so excited. Diana: And then we had different kids this month and last month. And some of them said, “we have to go back. That was so fun.” They love it. [MUSIC PLAYING] Anthony Godfrey: Hello, and welcome to the Supercast. I'm your host, Superintendent Anthony Godfrey. It is a heartwarming partnership among senior citizens and elementary school students, a partnership where seniors from a local assisted living center are showing up and reading with kids in the school's media center. On this episode of the Supercast, we take you to Oquirrh Elementary School. That's where we see firsthand how being book buddies is building connections and companionship among students and seniors and bridging a generation gap. But best of all, it is inspiring a love of literacy in young children who look forward to the monthly visits from their senior friends. [MUSIC PLAYING] Anthony Godfrey: We are here at Oquirrh Elementary School during Golden Hour Reading, where Sun Ridge Assisted Living residents are working with students to improve their reading skills. Let's listen in. [INTERPOSING VOICES] You're going to read your book and show them how awesome you are. Here, tell you what. Wow. Hey, have you ever seen--have you ever been driving with your parents and have you ever seen this before? Well, I have. That's a long you. Called-- Good job. Good job. Anthony Godfrey I'm talking now with one of our visitors and one of the students here at Oquirrh Elementary. Tell me your name, what grade you're in. Cooper: Cooper and first grade. Anthony Godfrey: And Cooper, how's first grade going? Cooper: Good. Anthony Godfrey: And what did you guys read today? Cooper: Going Fishing. Anthony Godfrey: Oh, Going Fishing. So what did you like most about the book? Cooper: Like you have to get a special hook, like as a fish, but it's not actually a fish on it, but there's no splashing. Anthony Godfrey: And does this make you want to be a fisherman? Cooper: Yes. I really want to go fishing with my dad. Anthony Godfrey: So go home today and tell him, “Dad, I read about fishing and it's time we go fishing.” Cooper: OK. Anthony Godfrey: All right, nice to meet you. So how did it feel to be read to? First introduce yourself and how did you feel being read to today? Dale Koth: Felt great. Anthony Godfrey: Tell me your name. Dale Koth: I'm Dale Koth. Anthony Godfrey: And you're one of the early volunteers to come visit, but I understand there's something in your history that would make that not much of a surprise that you want to be at an elementary school. Dale Koth: I'm a retired teacher, elementary school teacher. Anthony Godfrey: And where did you teach? Dale Koth: I taught at Terra Linda for a while, and I also taught at Southland Elementary. Anthony Godfrey: How long did you teach? When did you start and when did you finish? Dale Koth: OK, I taught for about 29 years. I think it was in 1974. Anthony Godfrey: Wow. Over 50 years ago. Dale Koth: That's right. That's right. Yeah, in a little town called Antimony, Utah. Anthony Godfrey: OK. Dale Koth: I had nine kids. Anthony Godfrey: Nine kids in your class? Dale Koth: Five in the third, five in the second, five in the first. Anthony Godfrey: Wow. Dale Koth: No kindergarten because there were no kindergarten kids there. Anthony Godfrey: And from there you went to-- Dale Koth: I went to-- I taught every year then I went to Blanding. Anthony Godfrey: Wow. Dale Koth: And I taught Blanding Elementary. I taught three years. Then we came to the Jordan School District and I started in Southland Elementary. Taught there for about, I don't know, three years. May have been longer, but I forget. And then I went to Quail Hollow and I taught at Quail Hollow for a long time. Anthony Godfrey: Oh, wow. Dale Koth: Yeah. Then I finished up at Terra Linda and that's where I retired. Anthony Godfrey: So did you retire in the early 2000s? Dale Koth: No. Kind of in the late-- oh, yes, it's the late 1990s. Anthony Godfrey: Oh, OK. Dale Koth: You might say, yeah. Anthony Godfrey: Yeah. Wow. All right. Well, so you've been enjoying retirement. But is this an exciting addition to your retirement routine? Dale Koth: Yeah, I think it's great. You know, you have a good successful experience here for you and for the kids. And you know, you're doing something. Anthony Godfrey: Yeah. Dale Koth: And I really like it. Anthony Godfrey: Good. How many times have you been? Dale Koth: This is my second time. Anthony Godfrey: What did you love most about teaching? Dale Koth: Just watching kids progress, learn something. Anthony Godfrey: In elementary, you get to see a lot of that. Dale Koth: Oh, yes. There was a lot of it. Anthony Godfrey: What grades did you teach most? Dale Koth: Third grade. Anthony Godfrey: Third grade. That's a big one. Dale Koth: Which was my favorite grade. Anthony Godfrey: Third was the favorite. Dale Koth: That was the age when they start cursive writing. Anthony Godfrey: Oh, yeah. Dale Koth: I don't know if they still-- do they still do cursive writing? Anthony Godfrey: It's more-- not like they used to. Let me put it that way. Not like they used to. Dale Koth: If you had your way. Anthony Godfrey: Not that weird Q that looks like a 2. No, we don't do that stuff anymore. Dale Koth: OK. Yeah. Also, they learn their multiplication facts. Anthony Godfrey: Yeah. Dale Koth: And you could just get into reading, and like what somebody told me, the kids can be smart at that age without being a smart aleck. Anthony Godfrey: Yeah, that's right. Absolutely. Well, I really appreciate your coming and just getting to watch you with the students. It's really fun to see how much you get their attention right away. Dale Koth: Yeah. Anthony Godfrey: And they stay focused when they're reading with you. So thank you for doing that. Dale Koth: That's great. What's your name? Anthony Godfrey: I'm Dr. Godfrey. I'm Anthony Godfrey. I'm the superintendent for Jordan School District. Dale Koth: You're the superintendent? Anthony Godfrey: Yeah. Dale Koth: I've worked here a long time, but I don't think I've ever met the superintendent. Anthony Godfrey: Well, it's very nice to meet you. Dale Koth: I forget names a lot. Anthony Godfrey: Barry Newbold? Dale Koth: Barry Newbold. I knew Barry Newbold, yes. Anthony Godfrey: It's very nice meeting you. Dale Koth: Well, nice meeting you Anthony Godfrey: And thanks for doing this. We look forward to seeing you back next month. Volunteer: Well, great. I'll be back. I'll be back. Anthony Godfrey: We're talking now with Principal Jennifer Ludlow about the program here at Oquirrh Elementary. I know it's new. What do you think so far? Jennifer Ludlow: I love it. It's like my favorite thing and I just grin from ear to ear the hour before they come and about two hours after. Awesome. Anthony Godfrey: There's a great immediate connect with the kids and these volunteers. Jennifer Ludlow: Yes. Anthony Godfrey: Tell me about how the kids have reacted to this. Jennifer Ludlow: Oh, they get so excited. And then we had different kids this month than last month and some of them were like, “we wanted to go back. That was so fun.” They love it and they just love opportunities to read with kids or read with somebody else and get some practice. So far, it's been really positive. Anthony Godfrey: Having a new audience when you're reading out loud, so I'm going to try to impress. It really puts you on the spot, but it also puts you at your best. It helps you really be focused. Jennifer Ludlow: So yeah. And we know kids learn to read through repetition and practice and so what a great opportunity for them to practice with somebody with a lot of wisdom and experience. And we love it. It's so great. Anthony Godfrey: Add some novelty to the day and another human connection, another adult rooting for them. Jennifer Ludlow: Exactly. Someone else on their team. Anthony Godfrey: Well, it's another great thing happening at Oquirrh Elementary. Thank you very much for letting us be here today. Jennifer Ludlow: Thank you. It was a pleasure. Anthony Godfrey: We're now talking with a member of the PTA and the School Community Council. Introduce yourself and tell us how you got this idea. Alicia Abbott: My name is Alicia Abbott. I am on the Community Council at Oquirrh Elementary, also on the PTA board. So we were reviewing the stats of the school last year, and it hurt my heart to see how many kids are not reading and are not doing math. And it hurt my soul. Like literally, I couldn't handle it. And our school is amazing. I don't want to diss on our school. Our school is awesome and I love Principal Ludlow. She's amazing, and our teachers and the community here is awesome. Anthony Godfrey: And tell me, what's the impact that you have seen for the seniors and for the students doing this? I know it's only been a month. Alicia Abbott: Oh, I'm not sure I've seen an impact yet, but I feel an energy and a love of the seniors for the community here. And the impact on these kids is going to be life-changing. They are literally changing lives and the direction of the lives that these kids are stuck in, they are going to be helping them for generations, really. If you help a child, you help a generation. So I'm so excited about it. Anthony Godfrey: I think it's very meaningful when someone from the community spends time. They know their teacher has to. They know their parents have to. But when someone's choosing to volunteer and come in and be a part of their lives, I think that's a big boost to students, even beyond literacy. Alicia Abbott: Well, I have kids. I wouldn't be OK if my kids couldn't read either. So you know what? We got to put in. If we have parents working three or four jobs just to try to put food on the family table, they need help. Anthony Godfrey: Yeah, absolutely. Well, thank you for being a big part of that help and bringing this idea. I'm excited to see the impact that it has over the years. Alicia Abbott: Thank you. Anthony Godfrey: Stay with us when we come back. More with the seniors and students of Oquirrh Elementary School. [music] Male Voice: Never miss an episode of The Supercast by liking and subscribing on your favorite podcasting platform. Find transcripts for this episode and others at supercast.jordandistrict.org. Sandy Riesgraf: Hello, I'm Sandy Riesgraf, Director of Communications for Jordan School District and we want to invite you to connect with us. So many exciting things are happening in your child's school, your neighbor's school, in every school here every day. Don't miss out on following the fun or simply staying informed when there's important information we need to share. Join us at jordandistrict.org or follow us on Facebook, Twitter, and Instagram @ Jordan District. We can't wait to connect. [music] Anthony Godfrey: We're now talking with a first-grade teacher. Please introduce yourself. Teacher: Hi, I'm Anashele. I'm a first-grade teacher at Oquirrh Elementary. One of my students came back in with a huge smile on her face. I asked her how Golden Hour was and she said that it was so much fun. She loves reading with the grandmas and grandpas. She was reading a book about pets and she said that it was so much fun because books help her learn. They make her brain grow every day and she loves to read because she has so much fun doing it. Really seeing them learn to read is my favorite thing because they walk in the door at the beginning of first grade really not knowing how to read. And now I have students like the student going to Golden Hour and reading her own story about pets. So I love seeing that growth throughout the year. Anthony Godfrey: Thank you very much. It's great to be here talking with you. We're here talking with another one of our volunteers today. Collette Craig: Collette Craig. Anthony Godfrey: Collette. Now I understand Collette, that you used to be a teacher. Collette Craig: Yes. Anthony Godfrey: Tell me about your teaching career. Collette Craig: I was a cluster teacher. Anthony Godfrey: Where was that? Collette Craig: Clusters were east side and then west side. I taught at, I think, nine different elementaries. Anthony Godfrey: What district were you in? Collette Craig: Jordan. Anthony Godfrey: In Jordan District. What were some of the schools where you worked? Collette Craig: Let's see. Midvale. Anthony Godfrey: Yeah. Collette Craig: Sandy. Then they went west to Terra LInda, but not at the same time. Anthony Godfrey: Yeah. Collette Craig: And Monte Vista, Heartland. Anthony Godfrey: Wow. You really did cover a lot of area. Collette Craig: Oh, yeah. Anthony Godfrey: Yeah. Collette Craig: If you know culture history, it was all east side at first. Anthony Godfrey: Yeah. Collette Craig: And then they opened up west side. Anthony Godfrey: Right. What years were you teaching? When did you start and when did you finish? Collette Craig: 1985, I think. Anthony Godfrey: Is that when you started? Collette Craig: Uh-huh. Anthony Godfrey: And when did you finish? Coll: I finished in 20 years later. Anthony Godfrey: 20 years later? OK. 2005. OK. Very good. And 20 years later, you're back volunteering, reading with students. Collette Craig: Yeah. Anthony Godfrey: How has that been? Tell me about that experience. Collette Craig: This is my first time. It's been good. I didn't know what to expect, but it's been good. Anthony Godfrey: Good. Tell me about the students you've worked with so far today. Collette Craig: Oh, they're great. They're cute. Yeah, they're great. What else can I say? The pH sound is really hard for them to grasp. Anthony Godfrey: The pH sound. Hey, it doesn't make sense. Why does pH sound the way it does? No one will ever know. What did you like most about teaching? Collette Craig: I liked it when they got something. When they finally understood something. You had spent weeks, sometimes months on the same thing, and they finally got it. It's like, yay. Anthony Godfrey: It's rewarding. It's rewarding. Well, you're helping do that again, so thank you. Collette Craig: You're welcome. Anthony Godfrey: We're talking now with the activities director from Sunridge Assisted Living and Memory Care. Thank you for talking with us today. Introduce yourself and tell us a little bit about what's happening. Diana: My name is Diana. I'm working in the center for eight years and we have a purpose to have activities with purpose. So this activity is amazing for our residents because they find their friendship. They have a purpose in life, teaching kids. Also, that bring memories to them. We have some teachers participating in the activity, and that is amazing for them. They really enjoy it. The first time when we came, they came back telling the other residents, “that was so fun. We teach kids. That was amazing.” So we want to back. And today, when we back, other friends came with them. So that is amazing. They found a purpose coming here. Anthony Godfrey: Tell us more about the facility. Diana: OK. Our community has two areas. One is for memory care. The other one is for assisted living. We have seniors with some difficult to walk or to get medicine. So we assist them to get the most normal life like they knew it. So part of that and really important part of the life is to have activities. So we have activities every day from Monday to Sunday and we have our clubs. We have sewing clubs, cooking clubs. We have outings. We go one time a month to a different restaurant. Each week, we go to Walmart or to Smith's to do shopping. We have also assisted shopping. So we have volunteers to come with them and assist them to get whatever they want in the store. So that is part of the normal life like everyone knows. We have different things to make them feel like this, “I feel happy today.” And that is our purpose, to have them happy, to have them participating in every activity we have. And that is my satisfaction to see them when they are happy. And when I came with them last time, I saw their happiness in the faces. And it's just like a miracle to see them, how they share with the kids, and the kids accepting them. And it's like a miracle. Miracle happen. Anthony Godfrey: Yeah, wonderful. Well, thank you very much for making us a part of those activities and a part of the lives of these seniors. Diana: It's a pleasure. Thank you to let us participate in this program too. [MUSIC PLAYING] Anthony Godfrey: Thanks for joining us on another episode of the Supercast. Remember, “Education is the most important thing you will do today.” We'll see you out there. [MUSIC PLAYING]

Milford Public Schools announced which two elementary schools may eventually close. It's part of the district's long-range facilities plan which includes consolidating eight elementary schools to six. We talked more about this with superintendent, Dr. Anna Cutaia.For more information: https://www.milforded.org/page/long-range-facilities-planUPCOMING MEETINGS / PUBLIC HEARINGS: March 30 – Interactive Public Engagement Session (Elementary School Focus) - Pumpkin Delight Elementary School at 7 p.m. April 13 – Board of Education Meeting - Presentation of the Draft Master Plan -  Parsons Government Center at 7 p.m. April 20 – Interactive Public Engagement Session (Master Plan Focus) - Jonathan Law High School at 7 p.m. April 27 – Board of Education Meeting - Public Hearing and Board Vote on the Master Plan - Parsons Government Center at 7 p.m.

A continuing military investigation has determined that the United States is responsible for a strike that hit an elementary school in Iran, according to U.S. officials and others familiar with the preliminary findings. Iranian officials have said the death toll was at least 175 people, most of them children. Malachy Browne and Julian E. Barnes, who have been covering the strike, discuss what probably led to one of the most devastating military errors in decades. Guest: Malachy Browne, the enterprise director of the Visual Investigations team at The New York Times. Julian E. Barnes, a reporter covering the U.S. intelligence agencies and international security matters for The New York Times. Background reading:  A preliminary inquiry said that the United States was at fault in a strike that hit a school in Iran. A New York Times visual investigation suggested that the strike appeared to have been part of an attack on an adjacent naval base. Photo: In a photograph made available by an Iranian semiofficial news agency, rescue workers and residents searched through rubble in Minab, Iran, after a strike heavily damaged a school. Mehr News Agency, via Associated Press For more information on today's episode, visit nytimes.com/thedaily. Transcripts of each episode will be made available by the next workday.  Subscribe today at nytimes.com/podcasts or on Apple Podcasts and Spotify. You can also subscribe via your favorite podcast app here https://www.nytimes.com/activate-access/audio?source=podcatcher. For more podcasts and narrated articles, download The New York Times app at nytimes.com/app. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Urge Congress to eliminate the draft: https://fcnl.quorum.us/campaign/32642/thanksSupport the show: Antiwar.com/donatePhone bank for Defend the Guard: https://defendtheguard.us/phonebankSign up for our newsletter: https://www.antiwar.com/newsletter/

AP correspondent Ben Thomas reports

AP's Lisa Dwyer reports on more intel on the deadly strike on an Iranian school.

An elementary school near Great Falls lost a portion of its roof Sunday after severe wind battered the region.

Learn more about your ad choices. Visit podcastchoices.com/adchoices

Keith breaks down where the U.S. housing market appears to be headed and which regions and states are quietly winning or losing in the population shuffle since 2020—and what that could mean for real estate investors.  You'll also hear about an intriguing cash-flow play in single-family rentals in select Southern markets. Then, Keith is joined by financial strategist and comedian Garrett Gunderson, who challenges the usual "scrimp and save" advice. Together, they explore how to build real wealth without sacrificing your life today, how high-net-worth individuals often get money wrong, and a different way to think about financial independence, freedom, and investing in yourself. Resources: Get Garrett Gunderson's Killing Sacred Cows audiobook free: DM @GarrettBGunderson on Instagram with the words "Keith Cows." Episode Page: GetRichEducation.com/595 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, is the future direction of the housing market trending up or trending down? Which states have seen the most population growth? Then powerful wealth mindset tactics with a financial comedian today on get rich education   Speaker 1  0:20   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests and keep top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:04   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:38   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:54   Welcome to GRE from Mount Rainier to Mount Rushmore and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education. I am not a Lambo driving influencer that will take any brand deal just to shill a gambling platform instead. Our core strategy at GRE is aging. Well, I've spoken with a lot of LP investors with capital calls and deals that lost all their money. Well, we approach wealth building with discipline and consistency. It doesn't sound dazzling, but it really shines when things go wrong elsewhere, because at least for the core of our portfolios, we get long term fixed rate debt for income property get paid five ways and win the inflation triple crown, and we do it all with a high degree of passivity. Right before I took the mic today, I got a two sentence email from a property manager that said an air conditioning unit's air handler board had to be replaced for $420 I don't even know what an air handler board really is. Now, the manager sent some photos in a written estimate. I quickly checked chat GPT, and I saw that the price was about right, and replied to my manager to go ahead and have that done. That's it an example of relative passivity. US residential real estate has nominally appreciated over every single 10 year period in modern history, despite some occasional short term downturns, even those are not common. Well, we recently had a guest mention that it's 20 years at the longest like 20 years or less is the period of time between which real estate never goes down. He was right. But you actually can't find any 10 year period where home values fell. What about the 2008 global financial crisis, I think that's the first place that the mind goes. Well back then, home values bottomed out at 208k in 2009 before they started growing again. And 10 years before that, the median price it was 157k in 1999 so even when home values hit their GFC low at that point, they were still up 32% from the previous 10 years. So you can confidently say then that over any 10 year period, home prices are up nationally. Now, how about the future? Well, for the future, there is more evidence of rising home prices. Building permits for new homes have fallen to their lowest level since 2019 that's according to the census bureau. So fewer single family homes are being built. Now we plan to discuss that more on. Next week show when we dive deep on does America really have a housing shortage? But this week, more reasons for future home price bullishness is that the labor market now, it's not doing that great. It sure isn't white hot, but unemployment, which was already low, that recently dropped a touch lower to just 4.3% inflation has fallen to 2.4% and wages are rising faster than that. In fact, our own Fed Chair recently remarked at how he's surprised at the strength of the economy. The property market analytics firm kotality, they now expect home prices to appreciate another four and a half percent this year. They and other firms continue to believe that the Midwest will be the hottest area of home price growth even more than that four and a half percent in that region. That is because not only is the Midwest underbuilt, it's that the prices are so affordable that it's attracting young people. The other factor is that mortgage rates recently dipped just below six into the high fives again, and that can release this pent up housing demand, and think about where we've come from. In late 2023 mortgage rates were about 8% and now lower mortgage rates also reduce the lock in effect, so it can create both more sellers and more buyers. The thing to remember is that 70% to 80% of home sellers are also home buyers because they've got to live somewhere. And first time homebuyers, of course, they buy only, they don't sell anything. In fact, former GRE guest in housing wire lead analyst Logan modeshami and Barry Habib were just positing on this at housing wire's latest summit on how the volume of home sales has been depressed for so long that lower rates could very well trigger a rush of buyers, these kind of people that have been delaying purchasing for years, this pent up housing demand being released if indeed rates go lower. People think they know the future, but we don't really know that that's going to happen for sure. But a lot of optimism about this phase of the housing market supported by not great, but decent economic conditions. Of course, that new housing demand is going to manifest unevenly across the nation. So let's talk about the places that have seen the most population growth from 2020 to today, basically the states that support that housing demand. Well, between 2020 and today, the US has grown by about 10 million people. That's over 3% nearly every state grew. But the bigger story is where that growth is happening. And really, here's the jaw dropper as a region, the South, gained more people than all of the other regions combined, about 7.6 million new residents in the south since 2020 the South's population is up 6% the West's almost 2% the Midwest population is up more than 1% and The Northeast up seven tenths of 1% again, this is not per year. This is total population growth from 2020 to today, Florida and Texas, they led the nation among the big states, both up almost 9% sprinting like they just found out that income tax is optional. The Carolinas in Tennessee are big southern growers too. People clearly keep moving toward warmer weather, a lower cost of living, lower taxes and job markets. Nothing new there. California in New York are the biggest losers in absolute numbers, California losing half of 1% of population in New York, a full 1% people keep moving away from these traditionally expensive, high tax coastal states like a buffet when the crab legs run out, people just getting up and leaving. That's not any sort of news story there, either. These trends help cash flow residential real estate investors like us, because the south aligns with that favorable landlord tenant law and those high ratios of rent income to purchase price. Luckily for us, that's where people are moving too. The Midwest has those phenomena as well, although their growth has been slower.    Keith Weinhold  9:39   Now a few Midwest highlights for you. Since 2020 the population of Indiana is up 2.8% quietly benefiting from Illinois. Escape Velocity, Missouri up almost 2% and that's growing mostly in Kansas City and St Louis suburbs. Ohio at almost 1% that's pretty modest growth overall, but Columbus up 5% that is flexing like it just landed a semiconductor plant there in Columbus, the intermountain west has bicep bulging growth, but it rarely works for us, because rents are only a little higher, but property prices are way higher. Yes, those pretty Rocky Mountain states, great Instagram, tough cash flow now Louisiana, it is a state that confounds people. It's a warm place, and it has a low cost of living, you would think Louisiana would be attracting people in droves for those reasons. Well, then why is its population following Louisiana down nine tenths of 1% since 2020 Well, you've got bleak job prospects that make Louisianans leave its tax competitiveness ranks 31st property insurance costs are high thanks to environmental risk. Louisiana has more swamps than beaches. Even the NFL saints were six and 11, and if they had made the playoffs, that wouldn't have made people move back. And hey, no personal shade here, I enjoy going to the New Orleans investment conference in Cajun culture, in Airboat Tours through the alligator filled Bayou, fun stuff, but for income producing property, you got to seek out different characteristics than just vacation Glee or how Good the gumbo tastes keep emotion separate from investing, Hawaii is America's biggest percentage loser. Its population is down one and a half percent since 2020 its cost of living is stratospherically high, with a median home value of just a little over a million dollars. That results in net outmigration to the mainland parts of the Aloha state now experience natural decrease. That means that deaths exceed births. Natural decrease. That's mostly a phenomenon on the Big Island. That's not where Honolulu is. That's where you have Kona and Hilo when young people can't afford to stay demographic gravity kicks in population loss. Hawaii is also highly dependent on tourism, meaning more volatility in recessions. It has contractor availability issues and higher repair costs, partly due to shipping materials to the remote islands. What about the upsides of Hawaiian real estate? Well, you're just going to have this inherent, strong, long term land scarcity and lifestyle desirability overall. Hawaii isn't bad. It's just hard. And I like Hawaii as a place to vacation, so the best times in my life were in Hawaii. Now, with all this said, These are broad generalities about states which are big places themselves right now. There are certainly Missouri real estate investors listening to me that are actually losing, and Hawaii real estate investors that are winning, and even cash flow positive. I'm talking general trends here, and this is with respect to long term rentals, not short term rentals. If your rent to price ratio is as low as point three or point four, like it often is near the coasts, well then you are speculating on appreciation. That's what that means. All 50 states have opportunity. All 50 states have no go zones. People keep moving south. That's a trend that the pandemic accelerated six years ago. More opportunity is concentrated there. That's got nothing to do with vacation excitement. That is population math, and I'm talking about swimming with the tide here in our Don't quit your Daydream newsletter I recently sent you that colorful population change map that I was describing some of there. More recently, I also emailed you that great and rare map of landlord friendly versus tenant friendly states mapped out and a lot of other great stuff.    Keith Weinhold  14:17   Before we bring in our firebrand guest, Garrett Gunderson, I just learned about a really strong opportunity for a provider of single family rentals and duplexes in Memphis and Little Rock. They're providing a locked in 5% interest rate and 5% property management for five years. Yeah, that's not a throwback to 2020 it's what mid south homebuyers calls their triple five program. They are the oldest and most trusted, maybe turnkey investment provider in the country, operating since 2002 and what they do is they offer these fully renovated, occupied rental properties in Memphis and Little Rock, two of the strongest cash flow markets in the South. With financing and management and rates that make the math work like it hasn't in years. So again, 5% interest, 5% property management fees for a full five years. You know those markets, they already had these investor advantage numbers with rent to price ratios mere point eight in Memphis and Little Rock. But yeah, that low 5% mortgage rate, even for renovated properties, not just new build. That's the kind of spread that turns a good deal into a great one. So to give you an idea, if you get a 30 year fixed rate mortgage loan amount of 125k with a 7% mortgage rate, your principal and interest payment is 832, at a 5% rate, it's just 671, so that's $160 more cash flow right there, and it's made a tad sweetener than that with just a 5% Property Management rate. And I don't know how long that offer is going to last, but it is available now and for the next little while, you can ask about it. When you visit mid southhomebuyers.com that's mid southhomebuyers.com and you can ask them about their triple five program. More next. I'm Keith Weinhold. You're listening to Episode 595, of get rich education.    Keith Weinhold  16:19   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre. You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Dani-Lynn Robison  18:08   this is freedom family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Brenda.   Keith Weinhold  18:24   Today's guest is someone that America knows as the long haired, bearded money guy in the past, he's drawn physical appearance comparisons to Jesus Christ. He's a prominent financial strategist. Founded an eight figure company, hit the Inc 500 he's both a New York Times and Wall Street Journal bestselling author. He is just an electric speaker, including appearances in front of dozens of billionaires. And he's just got this great way of speaking to financial freedom that hits you differently. He even has a comedy special that's great to welcome back to the show. Garrett Gunderson,   Garrett Gunderson  19:02   that's good to be back. Man. Is really good. Love your energy. Has a nice intro.   Keith Weinhold  19:07   Well, you give a lot of like, nice guidance to people that's somewhat different than they're used to hearing. You know, Garrett, I think a lot of the conventional guidance is, you know, it's not very far above Elementary School advice like, put your credit card in the freezer so you don't use it too often, but a lot of times you speak to either business owners or people that have already had some success, and I think a lot of your underlying mantra is, hey, you better live your best life now   Garrett Gunderson  19:35   I kind of feel like you are your greatest asset, and if you starve out that asset because you don't feed it with knowledge, or you don't invest in yourself, or you don't gain the skills that really matter because you're so addicted to scrimping and sacrificing and building your balance sheet right, trying to build savings accounts and retirement plans and doing all you can to pay off that mortgage. Yeah, you could become a millionaire on paper. But will you live like one? Will you enjoy your. Life. What about all the memories that you miss along the way? What about having quality of life today and creating a life you don't want to retire from? The wealthy people, they didn't get that way because they shrunk their way there. They didn't get that way because they were amazing budgeters. They built businesses. They created value. They learned how to, you know, sell or speak or market or have business acumen that grow business or to hire people, and having those systems that actually impact more people or more deeply impact the people that they serve, because it's about value creation and their value creators. And I think this notion of just thinking, Oh, I could just trade time for money and set money aside. Man, that's a really painful way to get to a million dollars, but Northwestern Mutual, they just put out an article that said, 32 or 34% of millionaires don't feel wealthy, because if you have money tied up in an account that isn't kicking off cash flow, it doesn't feel like wealth. You can't spend that net worth. It's just a statement if you don't learn how to create cash flow. And I love financial independence, where people have cash flow from assets to cover their expenses now their lifestyle is covered from that cash flow. Now they can reinvest every active dollar into themselves and their quality of life, into more cash flowing assets, into taking trips along the way, not just waiting until they're too old to enjoy it.   Keith Weinhold  21:13   You work with business owners all the time, and you've even worked with some ultra high net worth people that still seemed to scrimp and save. Do you think really, what is that the function of? Is it more of the wrong mindset or the wrong tactics when someone acts that way?   Garrett Gunderson  21:32   It's a mindset that's really kind of handed down to them? Yeah, maybe from their parents or grandparents or from a different era, like there's people that were, you know, in the Great Depression, that then tells stories to their family about how tough it was, and you never know when that money could go away. So you got to hold tight, and it's a scarcity mindset. So one of the wealthiest clients I ever had, I mean, this was a guy who he was worth a lot of money, but you would never know it. I saw him on TV one day. I was like, Dude, he needs new clothes, and we found a strategy to save him a bunch of money. He was just buying his inventory with cash or like, let's buy it on a plum card, and you'll get cash back. I just said, Just take 10% of that cash back, which was over $100,000 a month, and spend it on yourself. He's like, Well, I wouldn't know to spend it on I'm like, Well, how about some new clothes to start with? He's like, Okay. And then the next month, he bought a nest system for his house. The next month he bought a sound system. Eventually, saved up enough money to buy a Tesla, which he really wanted, like it was money that was there for him, but it changed his entire paradigm, because now he had a quality of life. He was very philanthropic and donated money. He built massive businesses, but he never treated himself well. He'd never felt like it was okay to spend that money because of his upbringing, because the way that his parents viewed money and the way that their parents viewed money, and it was always something that felt scarce. So it felt like, okay, will this go away? And the reality was, we just found money in your couch cushions, essentially. So why not enjoy it along the way? He eventually bought a home that he loved on the water, that he loves the garden. I mean, it was like a total transformation with that one simple thing to help him heal his relationship with money, overcome scarcity, because he was already highly productive. He just had to break free from this budgetary mindset.   Keith Weinhold  23:09   That's great. It was almost like, Dude, I can see it in you. Before we even talk. You got that code off the rack at Burlington. I swear you can do better than this. Come on, now   Garrett Gunderson  23:17    30 years ago, 30 years ago too. You know, it doesn't even fit anymore.   Keith Weinhold  23:23   Well, you know, I recently dedicated a complete episode Garrett to the way I put it is that the risk of delayed gratification is denied gratification. Now, there are some good things to be said for delayed gratification, I think, especially when you're younger, or you're just starting out in the working world, and you just tried to cover rent for your apartment and you don't have much else. Delaying some gratification is good. You need to form capital. You need to get liquid. I try to avoid saying stacking savings, because that gets people in the mindset of becoming super savers sometimes, and they miss out on returns. But what I mean about the risk of delayed gratification, being denied gratification, if it's taken too great of an extent, is, you know, I'm talking about the guy where, when he was 24 he used to say, Oh, I'm going to visit the Galapagos Islands someday. That's what I want to do. But you can just tell by the time you talk to the dude, when he's 48 he begins to use the past tense for things he wanted to do, for example, then he might start saying, Oh, well, I guess I never did visit the Galapagos Islands. You know, you can tell with people when they use the past tense, and that's when you know that their future is not bigger than their past, and a lot of that is the reflection of their financial status.   Garrett Gunderson  24:40   I got married at age 23 and the first two years, well, it was really like the first year and a half, maybe I was just such a miser. I gave my wife a $400 a month budget for an apartment, and we found out that there's places you don't want to live in Utah. I didn't know it, but she's like, is this what you want? And I was like, This doesn't feel like a safe neighborhood. And then you. Know, I was like, All right, maybe $600 I was still kind of really scarce. And my parents were like, Why don't you just live in our basement, rent free, and my wife's like, sex free. If you think that's where we're living, I'm gonna live in my parents basement, you know? Because I just thought money was something to save. So I saved me over 50% of my income. And a lot of people were like, that's amazing. Congratulations. Great job. And so I felt really good about it, and then I realized that my business wasn't growing as fast as this other person my age. I met him at an event, and a year later, he was doing better. And I was like, Dude, what's going on? I could hear it in your voice. I could hear like, you're just a different person. He goes, Oh, I'm doing two things. One, I just hired this guy, Steve D'Annunzio, and he changed my entire life. And I was like, I need to meet him. He's like, he happens to be here in Vegas. He's from Rochester. Introduced me. I hired him as my coach right away. I'm hearing all these people talk about strategic coach at the same event, and they had a booth. So I signed up for Strategic Coach, which meant I had to part with some of my money. Think it was $7,500 I hired Steve as a one on one mentor, and all of a sudden I was investing in myself, yeah. And I broke free from those chains of like, reduction and restriction into the game of production. And then I even had a situation where a woman called me out at the same event. This was a life changing event where she's like, I wonder what it's like living in a financial prison you built for your wife. It's like, Oh, see, that's what happened. I thought I was responsible, and building that responsibility that's actually building walls. And when I came home for that event, my wife and I started looking for our home. Within a few months, we found one. I bought a home. It was very easily within my means. I basically made as much as I paid for this house that we loved. We lived there for nine years. We built so many memories. You know, we had our two kids while we were there, I started host study groups, and that year, I grew my income by $170,000 with the coaching of strategic coach, Steve dnunzio And this woman, Nancy, calling me out. The next year, it grew by even more because the skills started to compound. I decided from that moment forward, I would spend at least $40,000 a year, which I might be able to reach for some people, but at least $40,000 a year on mentors. Is a guy named Alan. He writes my meal plans and my workouts, and I'm at 10% body fat because he knows exactly what they do. I do what he says. It was worth this $10,000 investment, because now I pay attention what I pay for, and I look at like if I'm my greatest asset, how can I create more energy? How can I create more value? How can I feel better about myself? How can I show up the very best version of I am, so I can deliver the most to the other people. And so I've always just been in amazing groups. I just got back from two different events in Beverly Hills around amazing people, learning incredible things that allow me to grow. I haven't spent a huge amount of money on a mentor last year to figure out something that I hadn't been able to figure out to this point. It's the same thing I did to become a speaker, to become a writer or even learn how to sell or market, you've got to invest in the skill, not just in the savings account. You grow yourself first, and then you grow your money. If you starve yourself out because you're in that miserly mindset, you're going to stunt your growth and never be fully fulfilled.   Keith Weinhold  27:56   You're your own best investment. And yes, this stuff is the varying definition of investing in yourself. Don't live below your means. Grow your means and all of that.   Garrett Gunderson  28:05   Grow your means and be more efficient within your means. I mean, the best way I know how to save is not overpay on tax, which 98% of business owners are doing that today. You know, don't overpay on interest, because you either restructure your loans, renegotiate your interest rates, reallocate underpouring funds to pay it off, or you remove investment drag. A lot of people have unnecessary fees and hidden commissions that drag on their investments. Or just design your insurance properly so it's more efficient. Those four i's, IRS, interest, investments and insurance show you how to keep more of what you make, take some of that money, build up your foundation so you have a peace of mind fund, so you have staying power, at least six months of liquidity and then invest more into yourself or learn how to create cash flow. This is the game the wealthy play. But the poor middle class, they think it's about paying off a mortgage and funding the retirement plan, and they will argue about it until it's too late, when they get there and now their homes paid off, but the property taxes are higher than their mortgage was 20 years ago, you know. Or they have home maintenance they have to take care of, or inflation has destroyed the value. Like if someone were to put away 100 grand and they wait for 30 years if they got 10% which the market did the last 30 years, if you reinvest dividends, they're going to have right around $1.7 million but if they have to pay 2% in fees, fiduciary fees, 12 b1 fees, which are marketing fees for the fund expense ratio, you know, the fees of maybe a retirement plan, and they now have 2% fees. It only goes to 1.1 million. Huge difference. And that 1.1 million if we account for inflation, even if we said inflation was low, like 2.7% over that 30 years. Well, by the time we pay for inflation and tax, guess what? The purchasing power value is like, 300 grand $300,000 that's a problem, and it's because they didn't learn to create cash flow. It's because they didn't learn to invest in themselves. It's because they relied completely on a market they don't control. I'm not saying the market is completely something to avoid. I'm saying we go in sequence. How do you grow your income for. First, then how do you keep more of the income you make with? You know, financial savvy and plugging leaks. Then learn to grow your money, but maybe growing your money. For some I like to think of like three dimensional assets, like real estate's three dimensional. It can grow in equity, it can create cash flow, and it has tax advantages. But my business is three dimensional, the more my business creates cash flow, without me, the more equity it has, and that business has major tax advantages. So most people are one dimensional, pay off a loan, put a money in retirement account. That's the poor, middle class. Wealthy people build a system where they've got three dimensional assets, equity, cash flow and tax savings. And that is a complete game changer, because then they can employ the buy borrowed I strategy, if you have assets like, you know, an individual stock, or if you have assets, like a piece of real estate or a business, you could borrow against it. There's no tax on that five for life, right? You keep refinancing. Or you can even do charitable trust to avoid the taxes upon the sell of those paying no tax when there's gains. Or you can pass it on to the next generation with a step up in basis, which means they get it at the full value and not have to pay the difference. And if you have life insurance, the life insurance will pay back the loan that tax free as well. So buy, borrow, die. I mean, it's a completely different thought process of defer taxes. If you defer taxes, I get it. You could do a Roth IRA or Roth 401. K Sure, that'll let you put after tax money in and grow it. But where's the cash flow? What's the underlying investment? How does it help you create financial independence? How does it help you does it help you grow your skills to become a better investor? We've been taught to be lazy, not that people are lazy. We've just been taught to be lazy with our money. We've been fed a narrative. I don't have the time, I don't have the skill, I don't have the interest, but I want to have it, so I just hand it over. And who do we hand it over to Keith Wall Street. Wall would you trust Wall Street? Like you flew to Frankfurt not long ago. Would you get on Wall Street airlines where they're like, hey, sometimes our planes go up, sometimes they go down. That would brand, and he'd feel inspired, right? Would you go to Wall Street, you know, hospital? Or like, hey, he lost one of your kidneys, and by loss, we stole it and resold it. You know, like, Wall Street doesn't have a brand. That's good. It's boiler room. It's Wolf of Wall Street. It's the movie Wall Street with Michael Douglas. You know, greed is good like yet that's what people put their money into. And you can go to any downtown and any major city, and guess who has the biggest buildings, insurance companies, banks and Wall Street investment companies. So you're taking the size of your home and shrinking it to build up their building and put money in their pocket. And their story is, it's because they're Ivy League, they're smart. They try to make it complicated, but you don't have to know most of the things you think you need to know about finance. The foundational things are important, how to protect your assets, how to design insurance, to transfer risk, how to have some liquidity, how to automate your savings. And then you focus like Warren Buffett would teach. He said, You know how people would become a better investor if they only had 20 investments they could make over their lifetime? He says, I don't diversify because I'm in the know. He's like, I'm a good businessman, therefore I'm a good investor and I'm a good investor because I'm a good businessman. I don't separate the two. Yeah, most people think he's a stock market investor. No, he buys out the companies in the stock market. Rarely does he have minority stakes in it. He does have some of that, maybe with Coca Cola and apple, but he bought a lot of companies outright, whether it was Geico, whether it was See's Candies, whether it was like he buys these companies, he's so far outperformed the stock market by billions of dollars from an index fund like what he has, versus someone that put the same money in an index fund, Warren has billions more from his investments than the person that put all their money in the index fund, even if it was the same amount. It's completely about strategy, not about luck.   Keith Weinhold  33:30   Yeah, it's the Andrew Carnegie, put all your eggs in one basket and then watch your basket. Yeah? Watch that basket like a hawk. Totally. Yeah. I mean, stacks mutual funds, they have what I call those five simultaneous drags. If you think you're getting a 10% long term return over time, subtract out inflation, emotion, taxes, fees and volatility. What do you have left? Not much. But there's no friction there. It is just the easiest thing to do ever since decades ago, 401 K contributions begin to become automated throughout your paycheck, sometimes even automatically, automated   Garrett Gunderson  34:04   values your permission opt out. It's easy. You have to opt out, right? It's Big Brother. You don't know what's best for you. And by the way, how crazy are four one K's. Part of the reason the market has gone up in value is because people consistently fund for one case, whether the market's going up or down, they're told $8 cost average. So that's artificially fueling the market. When we see the numbers, there's a buffet index, and it's like 2.9 times higher than what he's comfortable with, with the stock market, because of how overinflated the market is, partially due to inflation, partially because people put money in. But let's remember, why did 401, K's even come about? Because pensions failed. And by the way, these pensions failed and they had world class money managers managing these multi billion dollar pensions, but they didn't know about something called disinvesting, or didn't know enough about it. When the market goes down and pension money is owed, they still have to pull money out of the pension to pay the employee which disinvests, which pulls more money out of the account. So now instead of just being 10% down, they might be 17% down. And so even if the market comes back 10% it's 10% of only 83% of the money. So not even back to square one. And if it goes down a second year in a row, they're in real trouble. It starts to chip away at the principal, and they can't recover. And that happened to pensions, and they said, Oh, here, we can't handle these. We're going bankrupt. We're going to get rid of pensions. You take care of it. Well, guess what? Vanguard says, the average balance in a 401, k right now is $148,000 how someone's supposed to live on $148,000 even if you could get 10% that's $14,800 a year taxable, that's not going to do it. Even if you have a million dollars, where are you going to put the million dollars to get the return without risking it going down? Maybe you're going to be in treasuries at 5% that's $50,000 taxable per year. You're a millionaire on paper, but living poorly. That's why I'm here to call these things out. I think that my book Killing Sacred Cows, which was my original New York Times bestseller, which is probably how we met. Yeah, I rewrote it. I rewrote it, rereleased it in 2024 and I'll give people the audiobook. They just have to DM me on Instagram. Garrett B Gunderson and DM the word cows with Keith's name, cows and Keith or Keith and cows. I'll hook you up with the book for free, so you can learn about the nine financial myths. We're talking about some of them here, but there's also some comedy in there, so they can laugh after each chapter. I threw some comedy in there. You know, if you like my comedy, I'm not the funniest comedian. I'm just the funniest money comedian. That's the reality.   Keith Weinhold  36:33   When we had the very inventor of the 401 k plan, Ted benna, come onto the show, he revealed to us that when 401 K plans rolled out, they were first called salary reduction plans. They had to scrap that name in order to foster participation. But reducing your salary is still principally what it does to you. You got to think about it that way and blow up some of these myths. But Garrett, you've already given a lot of great technical information about what someone can do, how someone can think differently. Bigger pictures, we're sort of winding down here. You know, when I'm thinking about this whole delayed versus denied gratification thing, how do you meter it out right throughout your life? I mean, what's your earmark your family legacy? How do you meter it out, right so you don't have too much or too little at the end of your life?   Garrett Gunderson  37:15   I like to see this strategy of, like, what would the rockfellers do that I wrote about is, you know, the beginning before that strategy is you pay yourself first, which has always been around Richest Man in Babylon. Tons of books talk about it. My argument is you want to pay yourself at least 15% of your personal income, off the top, to a separate account. Once you get six months in that account, now you start to invest that money, but you build your stability with that peace of mind. And we want 15% because the luxury once enjoyed becomes a necessity. So you want more money in the future, not the future, not less propensity to you know, there's also, just like planned obsolescence, things break down. You have to repair them. Technological change, we're buying new technology that doesn't even exist. I have now subscriptions to a bunch of AI things that help me out, right? But I'm spending more money. There's also taxes, those could go up in the future, or 38 trillion in debt as we film this, which is a crazy number. And there's also inflation. If we give 3% to each of those five factors, that's 15% now again, use the four i's, IRS, interest, investments and insurance to find that money, not just budgeting. But then here's the magic. At least 3% of your income should go to a separate account called the Living wealthy account. That's your guilt free spending, value based spending account, so you enjoy some money along the way. These are the things that are the finer things in life that people might say are wasteful. You know, there's a book called unreasonable hospitality that talks about this, 11 Madison Avenue was the number one rated restaurant in the world. And, you know, will who wrote the book talked about they had 3% of their budget to just go wild on their customers dream making money, right? So to create the special experience in the restaurant, and even the bear, I think was season three, showed some of that process of how they do that. So I highly recommend taking a certain percentage. You get to enjoy along the way. It could be higher than 3% but start there, and you're going to feel better, you're going to have different energy, you're going to show up in a different way. And then from there, I just believe in having trust, so that your money's outside of your estate, and protecting financial predators so you own nothing but control everything. And I personally use life insurance. I use just standard over, you know, like basically properly structured, optimally funded whole life, so that death benefit will come in after I die. It allows me to spend more of my money and then have it replenished so I can enjoy more of my money along the way, because I know that death benefit will be there for my wife or even for my family trust after I'm gone, so I don't disinherit the people that I love.   Keith Weinhold  39:31   Garrett Gunderson, he can take you through these steps, which he calls financially fit, to financially independent, and then finally to financially free. Tell us a little more about that going through those steps.   Garrett Gunderson  39:44   So financial fitness means your financial house is in order. You've got everything handled properly, car insurance, homeowners, liability, disability, medical life insurance, your corporate structures as a business owner, how you pay yourself, your taxes the last three years and move. Moving forward your investments. It's like, you know what it's going on. You've improved your cash flow, and you're dialed in. You're as safe as you could possibly be. Then financial independence is, how can we create income, especially from a business that comes in when you don't, that's people, that's processes, that's technology, so that you can be involved, but you don't have to be involved. This is the part most people miss, yeah, and I think it's crazy. A lot of people have this notion they're just going to work so hard so they can sell their business one day, I'm like, What about just creating a business that you love so much you don't want to sell it? What about giving up the things that are burning you out and have the employees that can take care of that so you do the things that you love and then just enjoy life along the way, take some little trips, take some time off and come back in. The business grows up when you're away, they learn how to do things without you, and then you can still create value into that business. I sold the business in 2021 and really regretted it, because I kind of was so removed from the business. I kind of felt like it lost its soul and I didn't feel connected to it. So this time around, I started a business in July of 2024 I'm like, I'm only going to work with the P with the people I love, building things that I love, and I'm not going to let myself get burned out by doing too much. We're going to take two weeks in Hawaii coming up here in April, just enjoy some time together as a family. We do quarterly family retreats with my wife and kids. We do traditions with my family up at my cabin, like I want to have this great life where it's blurs the lines between work and play. I have a little quote from someone else that talks about that art of life is blurring the lines between work and play, but also just having complete play sometimes that there is no work. So I come back refreshed, relaxed, rejuvenated and ready to create. And so really, that financial independence gives you permission to swing for the fences and what you do, knowing your foundation is handled, knowing that your lifestyle is covered, from assets to create cash flow gives you work optional freedom. But instead of retiring, think, what could your biggest impact be like? Create the life you don't want to retire from. Create a vision so compelling you can dedicate your life to it and find that the win is actually in the work, not just the outcome. I think that is the elegance of we win when we play, and when we have more play in our life. We don't try to escape from something. And when you start something, you might have to do things you hate, but you can eventually delegate it, and then life becomes great. I mean, one of my early coaches, Dan Sullivan, who I mentioned, a strategic coach. He's in his 80s, still behemoth of creating value in the in the market. To listen to him, you know, he's phenomenal. He's made such a huge difference in my life, and he has no intent of retiring. He just gets smarter every year, adds more value, builds more infrastructure, and he's the one that taught me the merit of free days, just taking time off, taking time away. So, yeah, that's financial independence. Is cash flow, and then financial freedom is a state of mind. It's when money is no longer the primary reason or excuse you would do or not do something. It's a consideration, but it's no longer the consideration means that you have a healthy relationship with money. Money is an asset and an ally, not an enemy. You don't come from a place of scarcity. You come from a place of abundance. You can be more present with your family and doing what you do without feeling distracted. I think wealth is our ability to be present, not necessarily how much money we have in a bank account. I think we have a good amount of money in a bank account, and we can be present. That is like true wealth.   Keith Weinhold  43:12   It harkens back to the John D Rockefeller, he who works all day has no time to make money. Rockefeller would have said, you can architect a wealth plan if your head is down on the assembly line, that means gradually move your offer. It's from trading your time for dollars over to owning assets that pay you to own them. Garrett's comedy special is called the American Ream. There's no D in that word, R, E, A, M. You can look that up, Garrett. It's been enlightening as always. Thanks so much for coming back onto the show.   Garrett Gunderson  43:43   Hey man, good to be back.   Keith Weinhold  43:51   Always. A lively conversation with Garrett, besides some great mindset perspective, he's really good at saving you tax and setting you up with asset protection. Though he's not as real estateish as me, he's pretty savvy. For example, He's aligned on the fact that, for example, say you have an 80k debt. Well, it doesn't necessarily mean that it makes sense for you to pay that off sometimes it does, but what happens to your net worth anytime you pay off an 80k debt, well, let's see. You've reduced your asset side by 80k and you've reduced your debt side by 80k so your net worth is the same, and retiring the debt means that you might have lost leverage, lost cash flow and lost tax advantages, all at the same time on Instagram, send a DM with the two words, Keith Cows to Garrett B Gunderson, and he'll hook you up with his book for free next week on the show, we go deep on does America really have a housing shortage with an expert analyst. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.    Speaker 4  45:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  45:29   The preceding program was brought to you by your home for wealth. Building, get richeducation.com  

Stoopkid Crew! We got another story!  Season 10 Episode 10!Thank you to And Tech Group for sponsoring this episode! If you are looking to enhance your online pressence, go to andtechgroup.com/stoopkids for a 15 minute consultation!When a big snowstorm brings the first real snow day Nathaniel has ever experienced, he can't wait to build snowmen, have snowball fights, and sled with his friends. But when he and Karr discover a man sleeping outside in the freezing cold, their exciting snow day turns into a powerful lesson about empathy, kindness, and what it really means to help others.In this episode: empathy for others, responsible decision-making, rejection resilience, community responsibility, emotional awareness.RATE, REVIEW, SUBSCRIBESupport the show

WMAL GUEST: MIKE CHAPMAN (Loudoun County Sheriff) on his proposal to place School Resource Officers (SROs) in every elementary school across the county and the Loudoun School Board’s ongoing deliberations. WEBSITE: Sheriff.Loudoun.gov READ: School Board Discusses Chapman’s Proposal for SROs in Elementary Schools Where to find more about WMAL's morning show: Follow Podcasts on Apple Podcasts, Audible, and Spotify Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @JGunlock, @PatricePinkfile, and @HeatherHunterDC Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Website: WMAL.com/OConnor-Company Episode: Thursday, February 26, 2026 / 8 AM HourSee omnystudio.com/listener for privacy information.

Episode Notes Alec talks to Robyn Snyder, Director of Supplemental Services at Clovis Unified School District, Ray Gamez, the principal of Janet L. Young Elementary School, and JJ Donat, who's the guidance instructional specialist at Janet L. Young, about how that school cut the suspension rate for African-American students from 8.7%. to 4.2% in a single year. Every other week, we publish a newsletter with great resources like this one, sign up for it here! What are you waiting for, register for the National Summit for Improvement in Education before you miss out! If you're looking for a good introduction to Continuous Improvement in education, start here.

Happy New Year Stoopkid Crew! Season 10, episode 9 is here! Double the episodes for everyone!Shoutout to my Baltimore Stoopkid Crew that showed up for Shake it Up Storytime! I had so much fun with you all! Thank you all for coming!When the holidays end and January arrives, Peach feels sad and stuck—missing the fun, celebrations, and time off that December brings. With help from her sister Cookie and a brand-new journal, Peach begins to see that fun doesn't disappear after the holidays, it just shows up in new ways.To tell me about your 2026 goals, email me at melly@stoopkidstories.comRATE, REVIEW, SUBSCRIBESupport the show

EDUCATION REFORM AND THE AVOIDANCE OF A FEDERAL AI DEPARTMENT Colleague Kevin Frazier. Frazier argues for updating education, starting with teacher training in elementary schools and vocational partnerships in high schools, to prepare students for an AI future. He advises against creating a federal Department of AI, suggesting society should adapt to it as advanced computing rather than a unique threat. NUMBER 121921 FRANCE