Podcasts about Equity

Employment attorney Ryan Stygar joins Nicole to hand us the playbook our employers hope they never find. He breaks down what "at-will employment" actually means and the exact moves to make the moment you get that dreaded out-of-nowhere email from HR. He also reveals everything that's negotiable in a severance package: the cash amount, COBRA coverage, equity vesting schedules, and non-disparagement clauses, and shares how he turned a $6,000 severance offer into over $60,000 for one client. Then Nicole and Ryan role-play a firing from both sides of the table — so you know exactly what to say and what never to say. They dig into the issues that disproportionately affect women at work: pregnancy discrimination (the number one form Ryan sees in his practice), his controversial-but-legally-sound advice to disclose your pregnancy early, what rights you have if you miscarry, and how return-to-office mandates are quietly being weaponized as stealth layoffs.  Plus: AI keystroke monitoring, non-competes in the current legal landscape, and the interview questions that are totally illegal — that you're probably being asked right now. Check out Nicole's financial literacy course ⁠The Money School⁠ Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠  Get Ryan's book ⁠Get It in Writing⁠ Here's what Nicole covers with Ryan:  00:00 Are You Ready for Some Money Rehab?  02:01 Ryan's Path: From Firefighter to Workers' Rights Lawyer  02:52 Nicole Gets Let Go From CNN  03:44 Why HR Is Not Your Friend  05:34 The Right (and Wrong) Way to Fire Someone  06:41 It's Illegal to Fire Someone for Discussing Their Pay  08:44 Building Your Paper Trail From Day One  20:07 At-Will Employment, Explained  24:50 What to Do the Moment You Get That HR Email  26:31 Don't Sign Anything When You're Fired  29:14 Severance Is Negotiable  31:54 How Contingency Lawyers Can Help (Even When You're Broke)  33:38 What Else Is on the Table: COBRA, Equity, and Non-Disparagement Clauses  37:38 Role Play: Getting Fired (What Not to Do)  39:23 Role Play: Getting Laid Off (The Right Way to Handle It)  44:09 How a Good Employer Handles the Conversation  46:34 Freelancers and the 1099 vs. W-2 Trap  49:59 The Fear of Getting Blacklisted for Asserting Your Rights  50:19 Sexual Harassment: Who's Most at Risk and What to Do  52:44 Maternity Leave and Pregnancy Discrimination  55:28 Controversial Advice: Disclose Your Pregnancy Early  59:14 What to Get in Writing When You're Pregnant  01:02:16 Your Rights If You Miscarry  01:04:59 Return to Office as a Stealth Layoff Strategy  01:08:10 AI Tracking and Keystroke Monitoring  01:12:25 Non-Competes: What You Need to Know in 2026  01:17:09 Illegal Interview Questions (Role Play)  01:23:00 Ryan Stygar's Tip You Can Take Straight to the Bank All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor or attorney before making any financial or legal decisions.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW #AMISee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW #AMISupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW #AMISee omnystudio.com/listener for privacy information.

On this bonus episode, we're joined by Caeli Ridge, President of Ridge Lending Group, to talk about one of the most powerful financing tools available to rental property investors: the HELOC.Caeli explains how investors can use a traditional HELOC to buy more rentals, why seasoning requirements matter, and how married couples should structure ownership to avoid underwriting headaches. She also shares the terms and conditions investors need to pay close attention to when getting a HELOC.We also take a deep dive into the All-In-One First Position HELOC, a unique loan product that combines a line of credit and a checking account into a single account. Caeli explains how it works, how it can dramatically reduce the amount of interest you pay over the life of the loan, and the simple strategy that helps investors build equity faster in their properties.Finally, we discuss one of the biggest advantages of using a HELOC: flexibility. Caeli explains why it's much easier to access equity through a line of credit than after paying down a traditional mortgage, when you have to do a cash-out refi or sell the property to access equity. We also discuss how borrowers can tap into funds quickly when a great investment opportunity arises, and why the ability to skip required monthly principal payments during tight financial periods can provide valuable peace of mind for real estate investors.Contact Caeli:https://ridgelendinggroup.cominfo@ridgelendinggroup.com855-747-4343

Utes Equity Deal, S+C Coaching Change, NIL Latest + more

Early childhood education is one of the most important investments we can make in our future. Across America, more than 9.7 million children from birth to age five are supported by a workforce of approximately 2.2 million early childhood educators, yet access, affordability, and equity remain significant challenges. State-funded preschool programs currently serve only about 37% of 4-year-olds and 9% of 3-year-olds, while the average annual cost of center-based care for two children can approach $28,000, placing tremendous pressure on working families.  According to the Center for the Study of Child Care Employment (CSCCE) and the National Institute for Early Education Research (NIEER), 2025 State of Preschool Yearbook – preschool enrollment statistics. This week, I sit down with Michele Asher, Senior Education Advisor for Centers of Excellence at Primrose Schools, to discuss how we can create a more equitable and inclusive early learning system for every child. Drawing on decades of experience in educational leadership, special education, behavioral guidance, and staff development, Michele shares a powerful perspective: what happens when we intentionally view the world through the eyes of a child? Together, we explore the role of high-quality early education, the importance of supporting educators, strategies for advancing inclusion, and why equity in the earliest years can shape outcomes for a lifetime. Join us for a thoughtful conversation about building stronger foundations for children, empowering families, and creating opportunities that allow every learner to thrive from the very start.  Listen now and join the conversation: What does true equity in early childhood education look like, and how do we get there?     For more information: https://www.primroseschools.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

 The Democratic party stands at a critical crossroads as a highly organized political machine successfully moves radical socialists from the streets into the halls of government. With a clean sweep in recent New York primaries, the Democratic Socialists of America (DSA) have proven their pipeline is operational and highly effective, securing victories for polarizing figures like Aber Kawas and Mamdani-backed candidates. From controversial rhetoric surrounding 9/11 to explicit calls for dismantling capitalist systems, the ideological shift within the party is no longer confined to activist circles—it is actively shaping legislative futures, leaving establishment Republicans scrambling for answers and facing fierce criticism for their legislative inaction.Meanwhile, the cultural divide on the ground reaches a boiling point, highlighting a stark double standard in American public life. In California, citizens filming a First Amendment audit in MAGA hats are forced to rely on police safety numbers just to navigate a public space, illustrating the escalating hostility toward conservative symbols. Simultaneously, public outrage boils over in Ventura County after a judge hands down a shockingly lenient one-year sentence to a father in a tragic felony incest case, sparking a fierce debate over judicial accountability, elite leniency, and the perceived systemic failure to protect the nation's most vulnerable.Rounding out a chaotic look at "Peak 2026," the institutional push for Diversity, Equity, and Inclusion (DEI) faces another public relations nightmare after a high-profile corporate executive is caught on camera in a bizarre, viral act of vandalism during the Knicks parade. Combined with viral campus showdowns that leave immigration advocates speechless when confronted with baseline economic realities, the modern progressive narrative is fracturing under pressure. Tune in as we dissect a nation divided, institutional rot from the top down, and the relentless march of an aggressive new political era.

Whitney Elkins Hutten is the director of investor education at Passive Investing, one of the nation's fastest growing private equity real estate firms with over $1.5 billion in assets under management. She is also the author of Money for Tomorrow: How to Build and Protect Generational Wealth, which helps high income earners turn strong earnings into long term, stable wealth through a four part framework built to reduce volatility and improve decision making. A returning guest on the show, Whitney started with single family rentals, scaled into active multifamily ownership, and moved into syndicated raises as both an active and passive investor. Over the last four years she has focused on scaling her portfolio passively and navigating shifting market conditions.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways ● Build your investment thesis before analyzing any single deal ● Stop chasing yield; let goals and risk capacity drive selection ● Accept that the market sits outside your control ● Use debt funds to add cash flow and stability to a portfolio ● Confirm your lien position before investing in any debt fund ● Match loan duration and valuation windows to the asset type     Topics Active vs. Passive Investing ●  Whitney helps investors convert active income into passive income and long term wealth ●  The right path depends on your goals, timeline, and risk capacity Building Your Investment Thesis First ●  A clear thesis defines the role real estate plays in your portfolio ●  Without it, you borrow someone else's philosophy and misjudge what a good deal is ●  The thesis also reshapes how you view a deal that underperforms What You Can and Cannot Control ●  Operators control execution, but no one controls the market or interest rates ●  You control your thesis and underwriting; the rest must be mitigated or avoided ●  Whitney cut back on multifamily in 2019 after spotting overexposure in her portfolio Equity vs. Debt ●  Equity combines cash flow, appreciation, and tax benefits, but compresses first in a downturn ●  Whitney builds a portfolio that performs across different market phases ●  Debt adds cash flow and patience while you wait for the next equity cycle Evaluating a Debt Fund ●  Confirm your lien position, since fund leverage can push you behind a bank ●  Favor single family fix and flip lending over long ground-up construction ●  Look for near-term valuations and loan durations that match the asset Understanding Lien Position ●  First position lenders can foreclose fast and carry lower risk ●  Second position lenders wait through a longer process to recover capital ●  A levered first position fund is no longer truly first position    

Show SummaryOn today's episode, we're replaying a conversation with Michael Bailey, Deputy Director of Leadership Programs for the George W. Bush Institute. We talk about some of the initiatives of the Bush Institute, including the Veteran Leadership Program, the Democracy is a Verb initiative and the Bush Institute's efforts to celebrate America 250.Provide FeedbackAs a dedicated member of the audience, we would like to hear from you. If you PsychArmor has helped you learn, grow, and support those who've served and those who care for them, we would appreciate hearing your story. Please follow this link to share how PsychArmor has helped you in your service journey Share PsychArmor StoriesAbout Today's GuestMichael Bailey serves as Deputy Director, Leadership Programs, for the George W. Bush Institute. In this role, he manages the Stand-To Veteran Leadership Program, which focuses on developing the leadership skills of veterans and those who serve them and their families. Bailey also supports alumni engagement efforts for the Institute's international leadership programs.Prior to joining the George W. Bush Institute, Bailey provided operations, media, and communications support to The American Choral Directors Association, a music organization dedicated to the excellence and advancement of choral music.Bailey is a native of Arlington, Texas. He received his Bachelor of Arts in Music (Voice) from The University of Oklahoma, and he holds a Master of Business Administration with concentrations in finance and real estate from Southern Methodist University Cox School of Business. He has a passion for running and enjoys racing in half and full marathons.Links Mentioned During the EpisodeGeorge W. Bush InstituteStand-To Veteran Leadership ProgramAmerica 250Democracy is a Verb initiative  PsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is The PsychArmor course The Myths and Facts of Military Leaders. This course identifies four of the most popular myths about military leaders and how they don't align with the reality of working alongside Veterans and Service members. You can find the resource here:  https://learn.psycharmor.org/courses/The-Myths-and-Facts-of-Military-Leaders Episode Partner: Are you an organization that engages with or supports the military affiliated community? Would you like to partner with an engaged and dynamic audience of like-minded professionals? Reach out to Inquire about Partnership Opportunities Contact Us and Join Us on Social Media Email PsychArmorPsychArmor on XPsychArmor on FacebookPsychArmor on YouTubePsychArmor on LinkedInPsychArmor on InstagramTheme MusicOur theme music Don't Kill the Messenger was written and performed by Navy Veteran Jerry Maniscalco, in cooperation with Operation Encore, a non profit committed to supporting singer/songwriter and musicians across the military and Veteran communities.Producer and Host Duane France is a retired Army Noncommissioned Officer, combat veteran, and clinical mental health counselor for service members, veterans, and their families.  You can find more about the work that he is doing at www.veteranmentalhealth.com  

Summer is officially underway, and Will Brown and Adam Eagleston waste no time diving into the headlines shaping markets, energy, and investor sentiment. Against the backdrop of global soccer fever, the duo examines the recently announced Iran-related memorandum of understanding and what it could mean for oil prices, inflation, and the Federal Reserve. While markets initially cheered the agreement, Will and Adam explore the deeper supply-and-demand dynamics that could keep energy prices elevated and complicate the Fed's path forward. The conversation then shifts to one of the market's hottest stories: the explosive rise of SpaceX and the broader AI-driven investment boom. Will and Adam discuss massive valuations, index inclusion decisions, leveraged ETF activity, and the growing concentration of market performance in a handful of technology and AI-related companies. Along the way, they raise important questions about capital spending, earnings quality, shareholder dilution, and whether investors are accurately assessing the risks embedded in today's most popular trades. Wrapping up the episode, Will and Adam examine the increasingly interconnected nature of AI spending, corporate earnings, and index performance. They debate whether current growth expectations are sustainable, discuss the role of passive investing in amplifying market moves, and caution investors about the potential consequences if lofty expectations begin to crack. From oil markets and AI speculation to Fed policy and investor behavior, Will and Adam break it all down with their signature blend of insight, skepticism, and humor. Topics Discussed: The Iran memorandum of understanding and its impact on oil markets Inflation, retail sales, and the Fed's policy challenges SpaceX's soaring valuation and market influence AI spending, capital expenditures, and earnings growth Index concentration and passive investing risks Equity issuance, shareholder dilution, and market speculation The outlook for technology stocks and broader market leadership Potential risks lurking beneath record market highs Learn more about Formidable Asset Management, Will Brown, and Adam Eagleston by visiting www.formidableam.com.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Johnny Lynum.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Johnny Lynum.

In a world where influence is the key to success, understanding the delicate dance between power and persuasion can make all the difference. In this episode, Adam Galinsky explores the intricate dynamics of leadership, power, and negotiation, shedding light on how individuals can amplify their influence and foster meaningful connections. With a wealth of research-backed wisdom and engaging storytelling, Adam equips listeners with actionable ideas to harness their potential, empower others, and create meaningful impact. In this episode, Darius and Adam will discuss: (00:00) Introduction to Inspiration and Leadership (02:00) Adam's Origin Story and Academic Journey (10:15) Transitioning to Leadership and Teaching (12:15) The Birth of the Book “Inspire” (17:02) Insights on Inspiring vs. Infuriating Leaders (23:19) Exploring Visionary Leadership (28:20) The Power of Optimism and Values (32:10) The Role of Hope in Visionary Thinking (37:31) Mastering Self for Effective Leadership (41:45) Overcoming Anxiety to Inspire Others (47:35) The Importance of Reflection in Leadership Adam Galinsky is the Vice Dean for Diversity, Equity, and Inclusion and Paul Calello Professor of Leadership and Ethics at Columbia Business School. A leading expert in leadership, negotiations, and decision-making, he has published over 300 works in management and social psychology. Co-author of the bestseller “Friend & Foe (2015)”, Adam's insights have earned acclaim from The New York Times and Financial Times. His TED Talk, How to Speak Up for Yourself, has over 7.4 million views. His upcoming book, “INSPIRE (2025), explores the traits of truly inspiring leaders. Connect with Adam: Website: https://adamgalinsky.com/  LinkedIn: https://www.linkedin.com/in/adam-galinsky-05090a3 Twitter: https://x.com/AdamGalinsky  Connect with Darius: Website: https://therealdarius.com/ Linkedin: https://www.linkedin.com/in/dariusmirshahzadeh/ Instagram: https://www.instagram.com/imthedarius/ YouTube: https://www.youtube.com/@Thegreatnessmachine  Book: The Core Value Equation https://www.amazon.com/Core-Value-Equation-Framework-Limitless/dp/1544506708 Write a review for The Greatness Machine using this link: https://ratethispodcast.com/spreadinggreatness.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Johnny Lynum.

Most people look at multifamily real estate and see the benefits: Cash flow. Equity growth. Tax advantages. Financial freedom. What they don't see is everything happening behind the scenes. In this episode, I pull back the curtain on what it's really like to be a general partner operating apartment buildings. I'm currently navigating multiple refinances, property sales, partner negotiations, CapEx issues, lender requirements, insurance concerns, taxes, and acquisition opportunities—all while working multiple jobs and trying to be present for my family. This isn't meant to scare anyone away from real estate investing. It's meant to help you understand the difference between being an active operator and being a passive investor. We discuss: • The reality of being a GP • Why many investors may be better suited as LPs • Managing partner relationships and investor expectations • Refinancing challenges in today's market • CapEx surprises and operational headaches • The emotional and mental demands of ownership • How to decide which role is right for you If you've ever wondered what apartment ownership actually looks like behind the social media posts and success stories, this episode is for you. Connect with me: https://Stan.store/Buybuildings Remember: It only takes a Small Axe to build a lasting empire.

In this episode of In The Lab, Ruben sits down with investor-focused lender Ben Stef to unpack the lending side of real estate that most investors rarely take advantage of. From growing up working construction jobs to building a business helping investors access capital, Ben shares the lessons, mindset shifts, and sales skills that shaped his journey into the world of real estate finance.The conversation dives deep into one of the biggest opportunities entrepreneurs and investors can make to tap into the hidden equity in their rentals as hidden leverage regardless of the economy, interest rates, or market conditions. Ben breaks down why successful operators thrive in every market cycle and how focusing on marketing, relationships, and consistent action often matters far more than external conditions.Ruben and Ben also pull back the curtain on how lending actually works behind the scenes. From underwriting, servicing, and investor financing to creative lending solutions, they discuss the realities most borrowers never see. Ben shares one of his favorite products for investors sitting on significant equity but lacking access to traditional financing, along with the mindset required to use leverage responsibly.Tune in now to learn how lenders evaluate risk, why ownership beats excuses, how to think about return on equity, and the strategies experienced investors use to unlock capital and continue scaling their real estate portfolios.Keeping it Real:04:35 – Sales skills learned through telemarketing08:20 – Get close to people already doing what you want to do09:26 – Why business forces personal growth10:50 – The power of extreme ownership13:33 – Are interest rates actually high?15:23 – The real reason business feels slow20:00 – How underwriting really works behind the scenes22:31 – What happens when borrowers miss payments25:31 – What loan servicing actually means29:20 – Building customer loyalty through relationships31:58 – The immigrant hospitality advantage in business36:08 – Why Ben tells some clients NOT to take loans37:45 – Products vs people: what really differentiates you41:14 – The investor HELOC most owners don't know exists45:23 – Return on Equity vs Return on Investment50:59 – Why lenders are willing to take second position55:57 – Play defense before you play offense58:22 – Asset class vs business owner mindset01:00:28 – Why old real estate advice no longer applies01:01:18 – The three people every entrepreneur needs around them #RealEstateInvesting #InvestorFinancing #HELOC #DSCRLoans #EntrepreneurMindset #WealthBuilding #FinancialFreedom #RealEstateBusiness #BusinessGrowth #InTheLab CONNECT WITH THE GUESTWebsite: https://www.fundingfreedom.net/Linkedin: https://www.linkedin.com/in/benjamin-stef-b0b741275/

Hunter Nall shares insights on mobile and manufactured homes, financing options, land acquisition, and investment opportunities in Texas. Discover how affordable housing solutions can be a game-changer for investors and homebuyers alike.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

On this week's episode of the RealClearInvestigations Podcast, J. Peder Zane and James Varney speak with Dr. Kendall Conger who lost his job after challenging a 2021 statement issued by his employer – Duke Health – declaring racism a “public health crisis.” On the news round-up, Zane and Varney discuss the challenges of reporting on the Iran war – and peace deal – when the government seems loath to share details; the Reform Party's withering report on the Rape Gang controversy in the UK; and the popular support for Luigi Mangione, who is accused of murdering UnitedHealthcare CEO Brian Thompson in New York City in 2024.  00:00 Introduction and Overview of Current Events 05:04 The Grooming Gangs Report and Its Implications 10:02 Media Bias and the Impact on Society 15:11 Dr. Kendall Conger's Experience with DEI at Duke Health 24:12 The Impact of George Floyd's Death on Institutional Policies 30:04 The Debate Over Racism as a Public Health Crisis 36:02 Personal Experiences and Consequences of Speaking Out 39:58 The Shift in Institutional Values at Duke University   Articles Discussed in This Podcast: Kendall Conger/RCI: I Challenged Duke's DEI Dogma – and Paid With My Job     Axios: U.S.-Iran deal: Read the full text   Reform Party: UK: The Rape Gang Inquiry   NPR: Public Support Growing for Accused Killer Luigi Mangione  Sign up for the RealClearInvestigations Newsletter. Watch each episode on the RealClearPolitics YouTube ChannelContact us with your thoughts and feedback: jpederzane@realclearinvestigations.com

The Gospel of John tells us that we are freed by faith alone, and crucified in Christ. However, our culture is trying to remove our remembrances of the sacrifices and the contributions of our non-white brothers and sisters with the intent that we forget. Westwood stands diametrically opposed to this attempt to rewrite history.  Today's message comes from Pastor Jason. Our Gospel comes from John  Chapter 8, verses 31 - 36. Our scripture lesson is from 2 Samuel, Chapter 13, verses 20-22.

El episodio 119 llegó con historia, escándalo y datos que no te podés perder.Arrancamos con el hito más grande del momento: Elon Musk se convirtió en el primer trillonario de la historia. SpaceX salió pública a 2.3 trillones de dólares y lo puso en una categoría donde nadie más existe. Lucas lo dijo mejor que nadie: él está más cerca de Larry Page que Larry Page de Elon. Un número que no tiene sentido hasta que lo escuchás.Después hablamos de por qué SpaceX no es solo una empresa espacial. Es la única compañía verticalmente integrada de principio a fin para la era AI: tiene datos, centros de cómputo, energía solar, telecomunicaciones satelitales y exploración espacial bajo el mismo techo. El bull case es simple y brutal.Luego viene el escándalo de la semana. El fundador de Cloudflare contó públicamente que Vinod Khosla, uno de los VCs más respetados del mundo, intentó convencerlo de echar a sus co-founders a cambio de quedarse con todo el equity. Y cuando lo negó, publicó el term sheet como prueba. Una historia que debería leer todo founder antes de levantar su primera ronda.También hablamos de un caso cercano que sirve de advertencia real: un co-founder que quiso salirse de una startup que no funcionaba y recibió amenazas legales de sus socios y los VCs para que perdiera su vesting. La lección es clara — antes de arrancar una compañía, hay que tener las conversaciones incómodas.En el frente de IPOs, Anthropic y OpenAI hicieron sus filings privados casi al mismo tiempo y están obligando a los banqueros a elegir bando. Lucas se queda con Anthropic. Cristóbal también, aunque reconoce que la flexibilidad moral de Sam Altman en el mundo de Trump puede ser una ventaja.Después analizamos a Bending Spoons, los italianos que compraron Evernote, Vimeo y WeTransfer entre otros, y los están exprimiendo con AI desde Milano a una fracción del costo americano. Un modelo de negocio que muchos subestiman y que ya factura más de un billón de dólares al año.Cerramos con tres temas que tocan directamente la vida cotidiana. AI destruyó el modelo de las grandes consultoras — Accenture cayó 18% en un solo día y los puestos entry-level están desapareciendo, lo que pone en jaque el ROI del MBA. Los smartphones y la caída global de la natalidad tienen una correlación que empieza a asustarnos a todos. Y los propios CEOs de las redes sociales no le dan pantallas a sus hijos, que es la señal más honesta que existe sobre lo que realmente piensan de sus productos.

In this revisit to episode 406 of The Daily Influence, Brian S. Smith dives into the complexities of Diversity, Equity, and Inclusion (DEI) in today's America. He discusses how individual influence can rebuild perceptions of freedom and fairness while navigating the divisive landscape of recent changes in policies. Brian emphasizes the importance of tolerance, ethical leadership, and unbiased decision-making to create inclusive environments that foster collaboration and innovation. Join the conversation to explore how recognizing individual strengths and engaging with biases can help shape a more unified, equitable society.

A terrific opportunity to hear from Australian actor Shabana Azeez as she prepares to begin filming Season 3 of The Pitt in the US. Equity member Kat Hoyos sits down with Shabana to explore her journey from starting out in Adelaide to working on one of the most talked-about TV series today. Widely regarded as one of the most popular shows of the moment, The Pitt has captured global attention with its gripping storytelling and distinctive style. This a great opportunity to hear firsthand about the experiences, influences, and stories that continue to shape her work. They discuss how she has navigated the industry, developed her craft, and embraced the opportunities and challenges of an international career. Shabana Azeez has quickly established herself as one of the most exciting actors to watch with her undeniable talent and magnetic screen presence.  As a breakout star of HBO Max's Emmy-winning hit series, THE PITT, she can be seen reprising her role as “Victoria Javadi” in the second season which is currently streaming on Max in the USA, Binge in Australia and a number of other platforms around the world. She recently wrapped production on SBS's new drama, THE AIRPORT CHAPLAIN. The eight-part series stars Shabana opposite Hugo Weaving and captures the high-stakes world of a bustling international airport, told through the struggles and triumphs of the workers who keep it running. Recently in film, she voiced the lead character of “Saira” in the animated feature film LESBIAN SPACE PRINCESS which was selected for the 2025 Berlinale where it won the Teddy Award and honored with an AACTA Award for ‘Best Indie Film'. Previously in film, she starred as “Irene” in the feature film, BIRDEATER, for which she was awarded ‘Best Actress' by the Australian Film Critics Association. The film also won the AACTA for ‘Best Independent Feature Film', the audience award for ‘Best Australian Narrative Feature at Sydney Film Festival' and had sold out screenings at Melbourne International Film Festival prior to a very well-received release in the USA at SXSW. Shabana co-won ‘Best Female Actor' at Tropfest in 2019 and was nominated for ‘Best Performance' at Stellar Film Festival and ‘Best Actress' at the South Australian Screen Awards for her work in the feature CRUSH. She also plays “Lali” in the short film I'M THE MOST RACIST PERSON I KNOW which won the Special Jury Award at SXSW 2025, ‘Best Short Film' at Cinefest Oz in 2025 and ‘Best Short Film' at the 2026 AACTA Awards. Previous television credits include roles on the animated series TALES FROM OUTER SUBURBIA, ABC's IN LIMBO, SBS's THE HUNTING, Netflix's APPLE CIDER VINEGAR, Disney+'s NAUTILUS, ABC'S UTOPIA and WHY ARE YOU LIKE THIS?. Shabana also regularly lends her voice and talent for accents to voiceover work and audiobooks, including the very important story Home to Biloela by Priya Nadesalingam.  Splitting her time between Australia and Los Angeles, she continues to take on bold, diverse roles that showcase her talent and versatility while highlighting her passion for telling stories that push the envelope.

CNBC reported that SpaceX shares declined again after a rally that followed its blockbuster IPO. The movement reflects post-IPO price discovery as allocations settle, lockups constrain float, and underwriter stabilization tools taper off. Investors are assessing SpaceX's launch contracts and the Starlink broadband network, both of which require significant capital. Equity performance will influence decisions on secondary offerings, partnerships, and debt. Index eligibility, analyst coverage, and lockup expirations will shape demand in the months ahead. Founders can use these dynamics to plan timing, disclosure cadence, and capital allocation around their own liquidity events.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

On this episode of Travis Makes Money, Travis is joined by producer Eric for a lively discussion sparked by a comedy clip criticizing entrepreneurs who appear on Shark Tank. What starts as a conversation about movies and pop culture quickly turns into a deeper breakdown of business funding, startup growth, and why many founders misunderstand the true value of investment partnerships. Travis shares insights from his experience interviewing entrepreneurs and investors, explaining why the money from a Shark Tank deal is often far less important than the relationships, credibility, and exposure that come with it. On this episode we talk about: Why Shark Tank can be valuable even when founders don't get the deal they want The difference between bank loans and equity investments How strategic partnerships can accelerate business growth The rise and decline of Shark Tank's television audience over the years Why exposure, credibility, and connections are often worth more than capital Top 3 Takeaways The biggest benefit of appearing on Shark Tank isn't the investment—it's the massive exposure, credibility, and brand recognition that come from being featured on the show. Equity investors provide more than money; they bring strategic guidance, industry relationships, and access to opportunities that can dramatically accelerate growth. Entrepreneurs should evaluate funding options based on their business goals, because loans and equity investments serve very different purposes. Notable Quotes "First and foremost, it is the traffic and the eyeballs from people watching Shark Tank." "The investment is obviously one thing, but the value is the credibility from putting that logo on your website and all of your ads." "Money only solves your money problems, but it's easier to solve the rest of your problems with money in the bank." Connect with Travis Chappell: Instagram: https://www.instagram.com/travischappell LinkedIn: https://www.linkedin.com/in/travischappell Website: https://travischappell.com A Word from Our Sponsors: - Are you ready to start your own creatorjourney and make it big? Visitwww.fanvue.com today and launch yourcareer! - To learn more about Mode Mobile and its investor community, go to https://invest.modemobile.com/travismakesmoney -Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency.Capture leads, nurture them, and close more deals—all from one powerful platform.Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

 Chris Markowski, the Watchdog on Wall Street, discusses critical issues surrounding financial accountability, the looming crisis of Social Security, the impact of inflation on the economy, and the role of private equity in capitalism. He emphasizes the need for transparency in financial advising, warns about the unsustainable nature of Social Security, and critiques the current economic policies that contribute to inflation. Markowski also reflects on foreign policy and military strategy, advocating for a focus on domestic issues.

Send us fan responses! Prosperity doesn't show up because you claim it. It shows up when you build systems that print options. We go from a Mother's Day message straight into the mechanics of money: how “manufactured spend” can make a small balance look like real monthly cash flow, why receipts and bank activity matter, and how the funding game changes when you treat everything like business instead of personal survival. Then we zoom out into the generational layer. We talk about family leadership, what gets passed down when someone dies, and why leaving assets beats leaving bills. You'll hear strong opinions about motherhood, community habits, and why the “first teacher” in a household shapes whether the next generation becomes builders or lifelong renters. Even if you don't agree with every take, the episode keeps pulling the same thread: privacy, structure, and ownership are the foundation of wealth. Finally, we get technical on private records and identity. We walk through alternatives the host claims can support identification and passport evidence, including family Bible records, baptism certificates, and other early records referenced on travel.state.gov. From there we connect identity to structure: making your name a business, using EINs, layering entities under a private trust, and why he believes the public system treats people like assets. If you're searching for business funding, business credit strategy, trust structure basics, private membership education, or generational wealth planning, this one is packed. Subscribe so you don't miss the next live breakdown, share this with someone trying to level up, and leave a review with the one idea you want to test first.https://donkilam.com FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://www.amazon.com/Cant-Touch-This-Diplomatic-Immunity/dp/B09X1FXMNQ https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

Stijn Schmitz welcomes back Bill Holter to the show. Bill is a Precious Metals Expert and a metals Broker. Holter warns that the global economy faces a unique and dangerous combination of hyperinflation and deflation occurring simultaneously, a scenario where the cost of living rises rapidly while asset prices fall. He attributes this to the world's unprecedented debt levels and rising interest rates, which reduce borrowing capacity and crush asset values. Central banks, he argues, cannot allow deflation given the massive debt overhang and will eventually devalue fiat currencies, much like the U.S. did in the 1930s. This environment makes gold uniquely valuable, as it preserves purchasing power during both inflation and deflation. Holter sees recent weakness in gold as partly driven by its use as a funding source for major IPOs, including SpaceX, and by emerging market economies selling gold for liquidity. Despite the pullback, he views current prices as an attractive entry point, particularly for silver, which he believes is heavily manipulated through paper contracts and naked shorts. He expects a failure to deliver in silver, citing a six-year structural deficit and soaring demand, which would then shatter trust in gold futures and the entire derivatives complex. On portfolio strategy, Holter advises a heavier allocation to silver due to the elevated gold-to-silver ratio, suggesting it will outperform on a percentage basis. His core recommendation is to hold whatever amount one cannot afford to lose in physical gold and silver, emphasizing their lack of counterparty risk. He also advocates owning mining stocks for leverage, noting they are now more profitable than ever as gold prices rise faster than input costs. However, he cautions investors to take physical possession of share certificates to avoid broker insolvency risk and to diversify geographically across majors, intermediates, and juniors. Holter dismisses platinum group metals as too industrial and not monetary, urging a focus solely on gold and silver for the turbulent times ahead. Timestamps: 00:00:00 – Introduction 00:00:56 – Monitoring interest rates 00:01:34 – IPOs draining gold liquidity 00:03:04 – Higher rates causing deflation 00:05:17 – Debt service crisis emerging 00:09:08 – Melt-up scenario discussion 00:11:01 – Gold correction and entry 00:13:44 – Strait of Hormuz disruption 00:15:00 – Food supply and price risks 00:15:50 – Equity market overvaluation 00:20:45 – Silver failure to deliver risk 00:23:30 – Portfolio allocation advice 00:26:25 – Gold, Miners, and Leverage 00:28:14 – Platinum Metals & Rhodium Guest Links: Facebook: https://facebook.com/groups/jsmineset/ Website: https://billholter.com E-Mail: mailto:bholter@proton.me Bill was a stockbroker for 23 years and a branch manager for 12. He retired and moved his family out of the U.S. to Costa Rica in late 2006. He returned to Texas in 2011. He was a contributor to GATA since 2007 and began writing for Miles Franklin from 2012 to 2015. He then joined with Jim Sinclair and the Holter/Sinclair collaboration from 2015-2022. Bill is a precious metals expert and broker, he clears through Miles Franklin.

In this Dialogue episode of The Synopsis we discuss inflation and how to hedge a portfolio for it.  YouTube Video Links: How to Protect Your Portfolio from Inflation Five Minute Money Newsletter Free Sign Up   ~*~ You can also get a free trial to AlphaSense to read 200k+ expert calls through this link.  ~*~ For full access to all of our updates and in-depth research reports become a Speedwell Member here. Please reach out to info@speedwellresearch.com if you need help getting us to become an approved research vendor in order to expense it. -*-*-*-*-*-*-*-*-*-*-*-*-*-*- Show Notes (0:00)  — Why Cash is Not Trash (4:34)  — Duration Risk (10:32)  — Berkshire Hathaway and the Cost of Equity (16:50)  — Lump Sum or Dollar Cost Average? (19:10)  — Don't Position Your Portfolio for Macro Calls (24:34)  — End of World Portfolio (29:10)  — Emergency Savings (34:47)  — Real Estate -*-*-*-*-*-*-*-*-*-*-*-*-*-*- For full access to all of our updates and in-depth research reports, become a Speedwell Member here. Please reach out to info@speedwellresearch.com if you need help getting us to become an approved research vendor in order to expense it. *-*-*- Follow Us: Twitter: @Speedwell_LLC Threads: @speedwell_research Email us at info@speedwellresearch.com for any questions, comments, or feedback. -*-*-*-*-*-*-*-*-*-*- Disclaimer Nothing in this podcast is investment advice nor should be construed as such. Contributors to the podcast may own securities discussed. Furthermore, accounts contributors advise on may also have positions in companies discussed. This may change without notice. Please see Speedwell's and Drew Cohen Money's full disclaimers here:  https://speedwellresearch.com/disclaimer/ https://www.drewcohenmoney.com/disclaimers 

Charles Schwab's Adam Lynch says Bitcoin's recent decline reflects a classic bear market following a short-lived relief rally, with the FOMC adding pressure to digital assets. He notes investors are rotating into equities like Micron (MU), highlighting a divergence between crypto and traditional markets. Lynch also flags Illinois' new transaction-based crypto tax as a potential headwind that could push firms out of the state.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

The disjuncture between the stated goals of equity, diversity, and inclusion policies and their application has long been a theme we've covered on the pod. This week, we continue this conversation with Dr. Sabreena Ghaffar-Siddiqui, co-author of the book, DEI Undone: The Rise, Fall and Rebirth of Diversity, Equity and Inclusion alongside Dr. Ardavan Eizadirad. Sabreena is an anti-imperialist, decolonial scholar, sociologist, and public intellectual who has worked at the centre of Canada's DEI industry and was forced out from her institution after speaking up for Palestine. In our conversation today, we talk about the death of DEI, building community and how doing otherwise is always possible.Get DEI Undone today!Thanks for listening! Get more information, support the show, and read all the transcripts at academicaunties.com. Get in touch with Academic Aunties on BlueSky, Instagram, or by e-mail at podcast@academicaunties.com.

Canada's stock market has set repeated record highs in 2026, even as the domestic economy feels soft. Canadian equity portfolio manager Mark Rutherford explains the gap between the two, and why a large weight in financials can represent more diversification rather than less. He walks through how the team rotated within the sector as the banks re-rated, and the discipline behind trimming a gold position that had run. As indexes themselves have grown more concentrated, the conversation lands on a simple idea: knowing what you own matters more than ever.   Key takeaways  • The Canadian market and the Canadian economy can tell very different stories. Commodities and financials drive a large share of corporate earnings even though relatively few people work in those sectors, which helps explain record markets alongside near-zero real growth.  • A large weight in financials is not a single bet. Beneath the label sit banks, life, property and casualty insurers, alternative asset managers, and exchanges, each with its own return drivers and correlations.  • Position weights reflect what has worked, but they are not fixed. As the banks re-rated from roughly 10 to 12 times earnings toward 15 to 16 times, the team recycled capital into property and casualty insurers and alternative asset managers offering more attractive returns.  • Gold earns its place through company economics, not a price forecast. Royalty businesses and selected miners were added for their free cash flow and differentiated correlation, then trimmed as the combined weight grew and the rate and inflation backdrop shifted.  • Trimming winners is as much a part of the discipline as finding them. Allowing any single position or exposure to grow unchecked introduces risk that has nothing to do with the original thesis.  • Indexes have become increasingly concentrated vehicles. Knowing what you own, and holding exposures by deliberate choice rather than by default, can be key to real diversification.  Host: Andrew Johnson, CFA Institutional Portfolio Manager Guest: Mark Rutherford, CFA Portfolio Manager    This episode is available for download anywhere you get your podcasts.    Founded in 1974, Mawer Investment Management Ltd. (pronounced "more") is a privately owned independent investment firm managing assets for institutional and individual investors. Mawer employs over 250 people in Canada, U.S., and Singapore.  Visit us at:  https://www.youtube.com/@MawerInvestment https://www.mawer.com https://www.linkedin.com/company/mawer-investment-management/ https://www.instagram.com/mawerinvestmentmanagement/ #ArtOfBoring #MawerInvestmentManagement #MawerInvestment #Podcasts

12/18/2025 - June Jordan School for Equity

On this episode, Christian Chauvet, Partner at Lee Equity, shares how vertical focus creates a structural advantage in healthcare and financial services investing—and what it takes to build and scale founder-led businesses in highly regulated, service-intensive industries.Hear how a people-process-systems playbook drives organic growth across healthcare and financial services portfolios, why boots-on-the-ground referral networks are a critical and often underutilized growth lever in community care and why many founder-led businesses have attractive CAC economics but are systematically underinvesting in growth. Learn how AI is enabling providers and advisors to spend more time on high-value work—and how to think about tech enablement as a value creation lever rather than a technology roadmap item.The information contained in this podcast is not intended to constitute, and should not be construed as, investment advice.

Born with dwarfism, Becky Curran has made it her life's mission to represent her community and advocate for many others dealing with disabilities.  There are only 65,000 little people in the United States; there are over 300 types of dwarfism.  Unfortunately, little people are faced with a combination of negative perceptions built by the media and often find themselves living apart from the general population.  Becky seeks to change all that by showcasing her own achievements in the show business industry.  She spent several years working in the Equity and Inclusion department at the Screen Actors Guild-American Federation of Television and Radio Artists ( SAG-AFTRA) and currently serves as Employment Chair of Little People of America.  As a motivational speaker and advocate for inclusion, Becky strives to teach acceptance while educating and motivating all people to establish goals and work hard to accomplish them.

A new era at the Federal Reserve has officially begun. In today's special episode, I'm joined by veteran bond trader William Addiss to break down the first official FOMC announcement under new Fed Chairman Kevin Warsh. This wasn't just another Fed meeting. It was the market's first real glimpse into how Warsh intends to lead the Federal Reserve, and investors everywhere are trying to decipher what it means for interest rates, inflation, bonds, stocks, and the broader economy. We'll discuss: The latest interest rate decision Changes to Fed projections and guidance How Kevin Warsh's approach differs from previous leadership What the bond market is signaling right now Whether investors should expect a new policy direction As one of the most experienced bond traders I know, Bill Addiss brings a unique perspective to the discussion, helping separate market noise from what truly matters. We'll also dive into the potential impacts on: Treasury yields Equity markets Housing Commodities Digital assets Long-term investment portfolios Because when the Federal Reserve changes course... every asset class feels the effects. This episode is a must-watch for anyone trying to understand where monetary policy may be headed and how to position themselves accordingly. Listen now:

What happens when educators stop seeing themselves solely as teachers and start thinking like CEOs? Dr. Erica Jordan-Thomas joins the podcast to discuss leadership, entrepreneurship, and helping educators transform their expertise into thriving businesses. We discuss: • The identity shift from educator to entrepreneur • Why educators are natural business leaders • Building a sustainable consulting business • Breaking burnout cycles and finding purpose • Equity, representation, and leadership in entrepreneurship • The 7-FigurED™ Framework Whether you're an educator, entrepreneur, or leader looking to create greater impact, this conversation offers practical insights and inspiration.

Shomari Jackson was raised in East St. Louis, but he spent most of his childhood and teen summers in Arizona visiting his dad. He went to college in Arizona, but as he puts it, "Arizona chewed him up and spit him out." He returned home, experienced some major life events, navigated mental health issues, and finally grappled with the questions that would move him forward: Who was he? What was he capable of? How had trauma (historical, generational, personal) affected him? And most importantly, how did he want to carry himself into the world? Shomari went on to complete both his bachelors and masters degrees, and he's been advocating for equitable change in Arizona ever since.Today, Shomari is the owner and executive director of The South Mountain W.O.R.K.S. Coalition, a nationally recognized substance use prevention organization that focuses on systems change and building resilient communities in South Phoenix and throughout Maricopa County. He is the 2021 recipient of the Arizona Innovation in Health Equity Award, and on this episode, he shares what it means to reshape systems of inequity and support communities with an equity lens. Not only is this conversation timely, it's necessary. We hope you'll listen in.To learn more: http://southmountainworks.org/To connect with Shomari: shomari@southmountainworks.org or harmreduction@southmountainworks.org

An informed source told Tasnim that Bloomberg's alleged text of the US-Iran MoU is not accurate, but that the finalised text will be published after the signing on Friday. However, it was initially stated that it would not be published. US equity futures gain steadily; Germany's DAX 40 underperforms, weighed by BMW's guidance cut.DXY flat, G10s mixed; SEK softer despite Riksbank forecasts of a greater chance of a rate hike.Fixed income muted, while gilts outperform following cooler-than-expected CPI; Fed announcement ahead. Energy benchmarks contained in narrow ranges, as the focus remains on the US-Iran MoU signing. Looking ahead, highlights include US Retail Sales (May), Atlanta Fed GDP (Q2), New Zealand GDP (Q1), Fed Policy Announcement, BCB Policy Announcement, Speakers including ECB's Lagarde & Fed's Warsh.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Most referrals don't come from new connections—they come from relationships you've nurtured over time. Learn about the concept of relational equity, as shared in an article by Stacy Harris. Learn how it quietly builds and why patience, consistency, and depth win in networking. Learn more about Stacy Harris and her work at https://stacyharrisconsulting.com/  For more insight on professional relationships, business networking, and generating referrals, contact Frank Agin at frankagin@amspirit.com. Through AmSpirit Business Connections, entrepreneurs and professionals grow their business through word of mouth and strong relationships—building reputation, strengthening marketing, and increasing sales.

Show Summary On today's episode, we're having a conversation with Army Veteran Ramon Salazar, Senior Manager of Learning and Experience Design for PsychArmor, as well as Executive Director for Warriors At Ease, an organization dedicated to empowering the military and veteran community with the tools and knowledge to harness the transformative power of yoga and meditation.Provide FeedbackAs a dedicated member of the audience, we would like to hear from you. If you PsychArmor has helped you learn, grow, and support those who've served and those who care for them, we would appreciate hearing your story. Please follow this link to share how PsychArmor has helped you in your service journey Share PsychArmor StoriesAbout Today's GuestRamón Salazar is a US Army Veteran with a diverse background in education and wellness. Holding a Master's degree in Education and experience in instructional design, he currently serves as an instructor at the University of Arizona. As an E-RYT 500 (Experienced Registered Yoga Teacher that has completed at leased 500 hours of advanced yoga teacher training and logged a minimum of 2,00 hours of teaching experience), Ramón brings a deep understanding of yoga practice, skillfully tailoring his approach to the specific needs of the military community. He incorporates trauma-informed techniques and mindful movement to foster healing and resilience. Ramón also holds various certifications in other wellness areas. His commitment to education and holistic well-being reflects his belief in yoga's power to positively impact individuals and communities.Links Mentioned in this Episode Ramon on PsychArmorWarriors At Ease websitePsychArmor Resource of the WeekThis week's resource of the week is PsychArmor's online course library, including many courses designed and led by Ramon. PsychArmor offers trusted, expert-led training for anyone who wants to better understand and support service members, Veterans, and their families. Whether you're a health care provider, educator, employer, caregiver, or simply someone who wants to make a difference — these courses are designed for you.You can find the resource here:https://learn.psycharmor.org/collections Episode Partner: Are you an organization that engages with or supports the military affiliated community? Would you like to partner with an engaged and dynamic audience of like-minded professionals? Reach out to Inquire about Partnership Opportunities Contact Us and Join Us on Social Media Email PsychArmorPsychArmor on TwitterPsychArmor on FacebookPsychArmor on YouTubePsychArmor on LinkedInPsychArmor on InstagramTheme MusicOur theme music Don't Kill the Messenger was written and performed by Navy Veteran Jerry Maniscalco, in cooperation with Operation Encore, a non profit committed to supporting singer/songwriter and musicians across the military and Veteran communities.Producer and Host Duane France is a retired Army Noncommissioned Officer, combat veteran, and clinical mental health counselor for service members, veterans, and their families.  You can find more about the work that he is doing at www.veteranmentalhealth.com  

Equity work in nonprofits requires more than diversifying leadership pipelines—it calls for organizations to examine how workplace culture, decision-making structures, hiring practices, and everyday interactions continue to reflect broader systems of inequity. Despite our current environment of backlash, these are issues that nonprofits need to continue to grapple with. This episode of the podcast Nonprofit Mission: Impact revisits conversations about equity, inclusion, and power in the nonprofit sector, exploring how broader societal systems show up inside nonprofit organizations. Through reflections from a variety of guests, Carol Hamilton and her guests: ·      Examine the emotional toll of assimilation and code-switching, ·      Explore the ways organizational culture often undermines equity efforts even when intentions are good. ·      Highlight practical pathways forward. These practical pathways include: ·      deep listening to communities, ·      rethinking hiring and leadership pipelines, ·      embedding equity into organizational strategy rather than treating it as separate work, and ·      cultivating cultures where people can show up more authentically. Throughout the episode, Carol Hamilton and her guests emphasize that change requires both systemic attention and everyday interpersonal choices that help people feel seen, heard, and valued. Episode Highlights Time-Stamped Highlights 00:00 — Why Equity Work Still Matters 02:17— Nonprofits Reflect the Larger Culture 05:00— Understanding the Systems We Inherit 07:30— Representation, Power, and Listening to Communities 13:00— The Emotional Toll of Assimilation and Code Switching 17:00— Why Diversity Without Cultural Change Fails 21:18— The Hidden Cost of Equity Work 24:00— Reimagining Executive Search and Leadership Pipelines 26:24— Embedding Equity Into Strategy and Leadership 30:29— Building Communities of Support 31:46— Creating the Future Through Everyday Actions About your podcast host: Carol Hamilton, principal of Grace Social Sector Consulting, helps nonprofits become more strategic and effective through inclusive strategic planning, evaluation design, and organizational assessment. With over 30 years of experience, she brings a practical, human-centered approach that helps organizations align around clear priorities and take meaningful action toward their mission. When she is not working with nonprofits to improve their strategy and alignment, you can find her reading a good book, making diary comics, having a dance party in the kitchen, swimming, biking or kayaking on the Anacostia River.   Be in Touch: ✉️ Subscribe to Carol's newsletter at Grace Social Sector Consulting and receive the Common Mistakes Nonprofits Make In Strategic Planning And How To Avoid Them

Can you gift a property straight into a limited company? And should you use a bridging loan or equity for your first BRR project? Rob & Rob tackle both on this Tuesday's Ask Rob & Rob. (00:38) Fred's relative wants to pass him a property to reduce their inheritance tax bill, but can it go directly into his limited company? Rob D explains why that's probably not a good idea, breaking down the inheritance tax and stamp duty implications of each route. (04:23) Will's a young investor sitting on an unencumbered property and is itching to do his first BRR project. Should he use a bridging loan or release equity? Rob B explains the one option that gives you far more protection if things don't go to plan. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest

Catch “The Drive with Spence Checketts” from 2 pm to 6 pm weekdays on ESPN 700 & 92.1 FM. Produced by Porter Larsen. The latest on the Utah Jazz, Real Salt Lake, Utes, BYU + more sports storylines.

On this episode, Molly Page, @mollypg on instagram, talks about her project visiting all of the branches of the Chicago Public Library, how her writing is how she first fell in love with words, and how adaptations drive most of her reading decisions. We also talk a lot about Chicago and how amazing it is to be a reader in the city!    100 Things to Do in Chicago Before You Die   Books mentioned in this episode:    What Betsy's reading:  Lost Lambs by Madeline Cash  Rental House by Weike Wang    Books Highlighted by Molly: Trust by Hernan Diaz  The Need by Helen Phillips  Don't Go: Stories of Segregation and How to Disrupt It by Tonika Lewis Johnson and Maria Krysan  Oona Out of Order by Margarita Montimore Lilian Boxfish Takes a Walk by Kathleen Rooney Starter Villain by John Scalzi  Yearbook by Seth Rogan  Who is This City For?: Architecture, Equity, and the Public Realm in Chicago by Blair Kamin & Lee Bey   All books available on my Bookshop.org episode page.   Other books mentioned in this episode: The Odyssey by Homer, trans. Emily Wilson  A Visit from the Goon Squad by Jennifer Egan  Four Thousand Weeks by Oliver Burkeman  All This and More by Peng Shepherd  Hum by Helen Phillips

What does it take to make women's healthcare access sustainable, not just for patients, but for the physician carrying the mission? In this episode of the My DPC Story podcast, Dr. Maryal Concepcion welcomes back Dr. Esther Khatibi, family physician who does surgical obstetrics, and founder of My DOC, a nonprofit delivering high-quality, evidence-based obstetric care to women regardless of their social, economic, religious, or ethnic background.Dr. Khatibi shares how she nearly tanked her own practice caring for pregnant patients who could not afford care anywhere else, and why the answer was not working harder. It was building a coalition: volunteer physicians, a board that believed in her before she had proof, sonographers, grant writers, and donors who each carried part of the load.This is a conversation about the maternal health gap, why early, individualized prenatal care matters most for the most vulnerable moms, including the higher risk faced by African American women, and why Direct Primary Care doctors are positioned to bring obstetric care back as the share of family physicians doing OB falls from 25 percent to just 7 percent.What you'll learn:How Dr. Khatibi went from nearly tanking her DPC to founding the My DOC nonprofitThe My DOC model: enrollment for uninsured, underinsured, or high-risk women on the DPC modelWhy early prenatal care reduces maternal morbidity and mortality, especially for African American momsHow volunteer physicians protect continuity from first visit through delivery and postpartumHow a 501(c)(3) sends most funds straight to patient services, labs, and ultrasoundsWhy the ER is the wrong place for a pregnant patient, and how a direct line to your doctor helpsDr. Concepcion and Dr. Khatibi also preview the My DPC Story fireside chats in New Orleans during the DPC Summit, where My DOC and Dr. Emily Holt's Poppy Direct Care come together for women's health access. Only 60 seats.Links:Support My DOC: mydoc.orgNew Orleans Women's Health Fundraiser: mydpcstory.com/upcoming-eventsSupport Poppy Direct Care's autoclave fund: https://bit.ly/4oqTS3DNew to DPC? Start here: mydpcstory.comSubscribe to My DPC Story on Apple Podcasts and Spotify, and leave a five-star review so more physicians can find these stories.Get your copy of the Physician Owner's Planner at mydpcstory.com/library. Check out CoolBlue VA today at coolblueva.com/dpcgrow Earn money WHILE running your DPC! Join SERMO for FREE today!Support the showGET your FREE MONTHLY BUSINESS TOOL DOWNLOADBecome A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

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If you work at a startup or public tech company and have RSUs, stock options, founder shares, or a potential IPO on the horizon, this episode could save you thousands—or even millions—in taxes. Equity compensation can be one of the fastest paths to building wealth, but it can also lead to costly mistakes if you don't understand the tax implications, liquidity opportunities, and diversification decisions involved. That's why we sat down with Equity for the Win founders CJ Sturmitz and founding investor Toby Johnston to discuss how employees and founders can navigate concentrated stock positions and prepare for major liquidity events. Connect with CJ and Toby Johnston To work with EquityFTW: https://www.biggerpocketsmoney.com/equityftw About EquityFTW: https://www.equityftw.com/about To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/ Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney  Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney We believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order! - BiggerPockets Money (operated by Early Retirement Group, LLC) has a paid promotional arrangement with Equity FTW. Under this arrangement, Equity FTW pays BiggerPockets Money a cash fee of $100 for each prospective client who books a meeting with Equity FTW and is attributed to BiggerPockets Money, including through links on our website, references in our podcast, and other BiggerPockets Money channels. BiggerPockets Money is not a client of Equity FTW and is not an investment adviser, and nothing on this page or in any BiggerPockets Money content constitutes investment, legal, tax, or accounting advice. This compensation arrangement creates a material conflict of interest, because BiggerPockets Money has a financial incentive to promote Equity FTW and to encourage listeners and readers to book meetings, regardless of whether Equity FTW's services are appropriate for any particular individual. The opinions expressed in BiggerPockets Money content are editorial; however, listeners and readers should consider this financial relationship when evaluating any statements about Equity FTW or its services. Equity FTW is solely responsible for the financial planning and advisory services it provides to its clients, and any decision to engage Equity FTW should be made based on your own independent evaluation and, where appropriate, consultation with your own qualified advisors. Learn more about your ad choices. Visit megaphone.fm/adchoices

This is arguably the best real estate investing loan on the market today. It funds the purchase, renovation, closing costs, and up to six months of mortgage payments, so you're not on the hook when renovating a vacant property, all for 3.5% down.  Today's guest used it to put down just $9,000 on a house and, less than a year later, had $150,000 in equity. It changed his life and enabled him to become a real estate millionaire, even in an unaffordable market.  Matt Porcaro (AKA The 203k Way) was working in construction in America's most expensive market—New York City. He could only get preapproved for a loan of a few hundred thousand dollars, which doesn't buy much in NYC. When a local investor told him about the FHA 203(k) loan, his entire world opened up, and changed his trajectory forever. Now, he has over $1,000,000 in equity and over $2,000,000 in real estate—after just starting with $9,000. Today, Matt explains the 203(k) loan from start to finish—how much money you need to put down, how to get preapproved, finding contractors, paying for the renovation, what to know before you start, and a new change that makes it even more lucrative in expensive areas of the country. Beginners: This changes the game entirely.  In This Episode We Cover The best beginner real estate investing loan that only requires 3.5% down  Why getting a 203(k) loan is much less complicated than you think it is How Matt turned $9,000 into $150,000 in equity in less than a year  The exact steps to take when getting a 203(k) loan (easier method) A new change to the 203(k) loan that makes getting approved even easier  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠⁠t⁠t⁠ps://www⁠.biggerpockets.com/blog/real-estate-1286⁠. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices