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Keith explores how real estate investors can use mortgage strategies to build long-term wealth.  Seasoned lending expert and repeat guest Caeli Ridge joins Keith to discuss why debt isn't something to avoid but to optimize, and how negotiating terms can matter more than price. They walk through practical approaches for new and experienced investors, from house hacking to scaling a rental portfolio. The conversation also tackles common myths about qualifying for investment property loans and what really matters to lenders.  Finally, they emphasize focusing on fundamentals—cash flow, risk management, and informed decision-making—rather than fixating on interest rate headlines. Episode Page: GetRichEducation.com/604 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE I'm your host. Keith Weinhold Some mortgage guidance out there is costing you wealth today. I'm talking about how you can negotiate to get better terms. I'll tell you the exact questions to ask. Then a guest clears up mortgage myths and misconceptions and how you can borrow to win today on get rich education   Keith Weinhold  0:28   let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom family investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation and full disclosure. I'm an investor myself. What I like is that their team walks you through how it all works so you can decide if it aligns with your portfolio and income goals. Every investment carries risk and nothing is guaranteed, but with a track record of consistent on time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66 866, that's family to 6866   Speaker 1  1:32   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:48   Welcome to GRE from Albany, New York to Albany, Oregon and across 188 nations worldwide. You're listening to get rich Education. I'm your host. Keith Weinhold, as we know, debt isn't something to avoid. It's something to optimize. As a real estate investor, I would rather have lower mortgage rates than higher ones, and now you can call me Captain Obvious. Yet there are some reasons that higher mortgage rates benefit us as investors, though they're not as great as the lower rates are I'll discuss some of that today. This stuff obviously influences marketplace behavior. In fact, here we are now, years after rates made their historic surge and nearly tripled between 2022 and 2023 and yet still, 70% of mortgage borrowers have an astoundingly rock bottom rate below 5% today, lower than the ocean floor, and they won't sell those properties. That's just one contributor to the low supply hangover that still lingers. Are today's buyers still anchored to an unrealistic baseline. It certainly reframed how investors think about normal borrowing costs and what that word normal means. My first ever rental property, many years ago, was purchased at a 30 year fixed rate of six and three eighths percent. One year later, I got to refinance a full 1% lower at five and three eighths. I'm happy that I bought one I did because starting year earlier, got all my real estate benefits rolling that much sooner, the leverage and everything else, and when I did that, refinance many years ago, from six and three eighths down to five and three eighths, I was able to roll all of my loan refinance costs into the new mortgage balance, and that way I didn't have to pay anything out of pocket. So financing is negotiable. A lot of investors don't realize that buy down your rate if you want roll the loan costs into the loan amount, like I did. In fact, I would usually rather have a higher mortgage rate and then not have to come out of pocket at the table. I would rather do it that way. Sometimes I take a higher rate and even get cash back at the closing table. So I walk away from the closing table with a property and cash, but yet with a bigger mortgage. And what's the strategy there? Well, with more inevitable Inflation, I want to load up on the dollars that I get now and then make those paybacks over the long term with future cheaper, diluted dollars for 360 months, sometimes I don't have to ask the lender for any sort of favor to get that zero help from the lender at the closing table to get cash back. How do I do that? Well, I ask the seller to give me cash at the closing. Closing table in return for offering the seller full asking price, or sometimes even over the asking price. I have done it the strategy of offering full price or even a little more than the full list price. See, that's often easier than getting a price cut from the seller, and that works great, because getting the closing table, cash is going to benefit you more than the price cut would anyway, in almost every circumstance, and when it comes to your lender, ask them questions that cut through the noise. Now, lenders have to make their profits somewhere and stay in business, but I've asked the question, what's the break even point on this rate buy down. That's something you can ask today. That can be an even better question for you to ask of builders with all of the buy downs that they're doing for you now, most people know about a mortgage rate lock. That's when you're in contract to buy a property. At some point, you and your mortgage company, you lock in your rate for, say, 30 to 60 days, and that way, if the rate rises before the deal is completed, you are protected. You are locked in. But some lenders also offer float downs. That's for if you lock and then rates go lower before you get the deal closed. In that case, you get the lower rate, and now you successfully played both sides, but most borrowers don't know to ask about a float down for larger apartment buildings, sometimes you can negotiate away prepayment penalties or instead a shorter penalty window. The thing to keep in mind is that smallest borrowers negotiate price, but savvy investors negotiate structure. That's what we're talking about here, and that's why you often hear that terms are more important than price. So there's plenty of opportunity here, even if historically low rates is not where today's opportunity lies. Today, we're going to discuss some things about mortgages that most people believe but are just flat out wrong. Also, what separates the borrowers who build real estate portfolios from the ones who stay stuck on property one, let's have a conversation with this week's repeat guest, a real favorite here at GRE for her mortgage clarity.   Keith Weinhold  7:35   Hey, the president of ridge lending group, Chaley Ridge is back with us. We'll get into things like rates and loan strategy shortly, but first, let's discuss some fun. What would you do? Chili, what would you do if you're 35 and have 100k to invest in real estate? What's your first move? Ooh, good question.   Caeli Ridge  7:55   So let's think five years ago for me now I'm 35 what would I do if I had that was a joke for all you listeners, obviously, you know, I think that if I could go back and knowing what I know now, I would probably invest that into an owner occupied house hack using an FHA loan. Probably look for newer construction if I could find it, and I would probably target a four unit residential property. I'd probably put three and a half percent down lowest rates with that. FHA, I would leverage my money, and I would get three other tenants in units, two, three and four to pay my mortgage, and then I'd use the rest to go buy an investment property   Keith Weinhold  8:32   much like I started out with the owner occupied four Plex, live in one unit, rent out the other three. FHA, three and a half percent down. What if someone, however, lives in a market where the numbers just don't work and the law really tilts toward the tenant rather than the landlord.   Caeli Ridge  8:47   You know, that's a good point. There's a lot of factors, obviously, right? And there's exceptions to all rules, etc. So I don't want to generalize, but I would probably take the 100,000 and maybe look at some kind of a burr in that case, maybe pivot and do some math and see if buy rehab rent refi might be more applicable. To take that 100 grand and leverage it that dollar bill, as far as I could make it  go   Keith Weinhold  9:10   sometimes you have to get scrappy when you're starting out another what would you do now? Say you've got some more experience. You already own two rentals. How do you scale that to 10.   Caeli Ridge  9:21   You know, my biggest piece of advice for investors, especially newer ish investors, is to make sure that you've got your eye on some level of diversification. Scaling from two to 10 can sound pretty daunting to some people, but I think that diversification advice comes in handy when you're not singularly focused on, let's say, a core philosophy of single family, residence, cash flow only in one market instead, maybe layer in some appreciating markets where you can earn and count on longer burn appreciation that you can then leverage from to then purchase the next to the next to the next, right. Cash. Refinances borrowed funds are non taxable. I would probably say diversification is the core answer to that question. For me,    Keith Weinhold  10:07   yeah, if you've already got two properties, maybe if you've had those for a few years, yes, you can do a cash out refinance and basically use one of your first two properties to fund that third and fourth and so on, right exactly? How about if rates drop 1% tomorrow? What's the next thing you would do? Immediately?    Caeli Ridge  10:29   I would do the math. Is what I would do, Keith, and I know you love that answer. So if I had a portfolio of X number of properties and rates just dropped 1% tomorrow, I would take a hard look at what I had in the queue, and I would say, Okay, how much does a one percentage point rate save me in monthly payment, aka, earn me in cash flow, and what is it going to cost me? It is imperative that the investor is actually doing the math. 1% may sound amazing, but if it's only going to save you 5060, bucks a month, and maybe that's enough, but it might cost you five grand. Does that math work for you? So that's my answer. Do the math?   Keith Weinhold  11:08   Yeah, if rates drop 1% does that make you want to perform more purchases? Does that make you want to refi something that you already have and at the same time that you do that refinance? Okay? That may or may not save you a lot in payment. But another consideration is, okay, well, at the same time you do that refinance, oh, maybe you could take cash out and use it as a down payment for another property, or just use that money for something else,    Caeli Ridge  11:33   absolutely, and you know what we're talking about. That from a purchase perspective, if rates drop 1% tomorrow, from an investment perspective, what do we think is going to happen to the rest of the market? The homeowners are going to be coming out of the woodwork, right? The owner occupied the competition is going to get very, very stiff, steep. I would say that if you are banking on or waiting for rates to do X, Y and Z, you are missing massive opportunities today. So there's a lot of reasons not to hesitate and be waiting on some magic, massive rate drop.   Keith Weinhold  12:04   All right. Well, those were three interesting what would you do scenarios you mentioned the possibility, and it's surely only a possibility that mortgage rates will drop sometime in the near future. Let's expand on that. If someone is indeed waiting for rates to drop. What are they risking in the meantime?   Caeli Ridge  12:25   You know, this is such a good but complicated question. There's a lot of layers to this. If someone has a magic number in their head, again, I'm going to press back and say you have to be doing the math. All right. So a lot of people conveniently, maybe not so conveniently. But a lot of people forget that interest rates, by nature, always drop or reduce much slower than they're going to climb. Okay, historically, go back and do your own research here. Interest rates, when they go up, they tend to kind of go up quickly. When they come down, they really kind of trail, and it's a slow, progressive landing. It's not a quick thing when they come down. So if we know that that's true, or at least historically, that's been true an interest rate reduction of an eighth or a quarter or three, it's of a point. Maybe that takes us a month or two or six or a year. What does that really mean to that payment? You have to be doing the math so, largely dependent on the loan amount. Okay, if you think that interest rates are going to be reduced in a month from now by a quarter of a percentage point, what does that mean to the payment? Does it mean $12 a month? Does it mean $100 a month? And in that scenario, in that calculation, what are you giving up by waiting the month or two or six for a what if I think that you are diminishing your rates of return by waiting on a come that one may never happen, and two, the significance is probably far less relevant than you are giving it credit for.    Keith Weinhold  13:52   Now, I think generally real estate investors want low mortgage rates. Obviously, it gives us a better refinance opportunity. It gives us a better purchase opportunity, potentially, okay. In general, we want lower rates. However, there are some reasons a lot of people don't think about as to why lower mortgage rates are actually bad for a real estate investor. If you just look historically, when have we had extraordinary low mortgage rates here in these past 20 years? Well, they've been to get us out of huge economic problems, late to global financial crisis or the covid pandemic. So if you're wishing for really rock bottom rates, which again, is tempting to do, and is advantageous, in a sense, there is a downside as well. If there are super low rates, a lot of people might be out of work, including your tenants. So that's the reason that we want to be careful as to what we wish for, with rates being super low and artificially low, like they were a couple times in the past two decades. And you know, Caeli another reason why I'm not fully in love. With low mortgage rates, although I liked them, is the fact that I look back and notice as being a property investor for more than two decades now, is that I have had tenants leave when mortgage rates are too low and lending is too easy, especially leading up to the global financial crisis, it was so easy to get first time homebuyer loans at really attractive rates. So I had higher vacancy because mortgage rates were so low that my tenants left and became first time homeowners. So yes, we generally want lower mortgage rates, but there is a downside to that as well.    Caeli Ridge  15:35   And I think there's probably a sweet spot, I think such a good point that most people probably don't think about Keith, and I couldn't agree more, when rates have been at their lowest. To your point, all hell is breaking loose economically in so many other sectors. Yeah, be careful what you wish for.   Keith Weinhold  15:51   Any old time, real estate investor would find it really humorous and almost cute that people think mortgage rates between six and 7% are high. You and I know they're historically low. 7.7% is the long term owner occupied, 30 year fixed mortgage rate going back to 1971 per Freddie Mac the most reliable stat set that we have. But now that we have come up back into what's really a more normal range, just like we started to do in 2022 How should someone think overall in not a high but a higher mortgage rate environment? What are some things that actually matter more now than they did before back five plus years ago?    Caeli Ridge  16:32    I want to give you some statistics. So from 1990 to now, the average owner occupied rate was 6.08 now that's owner occupied, and more often than not, you can add about a point percentage point spread between that and non owner occupied in general. So we are right in line with the last 36 year swing of where interest rates have been. So please keep that in mind. Again, that psychology piece. But overall, I think that what we need to be paying attention to, even if, over the last five years, 10 years, interest rates are a little bit higher than we came to recognize them, the pandemic was an outlier. You guys. Okay, let that lie that's hopefully never to repeat itself. But what we want to be focusing on, and I know that I'm beating a dead horse here, is that you have to get rid of the mental block that you have about that number that we call an interest rate. You need to be looking at a property holistically that says, does it cash flow based on this tenant application? What about this tenant application? What is my exit strategy? Is my property management doing the job that it needs to be doing? Can I trust them to ensure that my vacancy is low? And if I have to evict somebody that they know what they're doing and they know all the rules in the different cities and counties, I think that those are going to be more prevalent to the successful real estate transaction that gives you the financial freedom that you want long term, stop fixating on the rate. That's my advice.    Keith Weinhold  17:53   Some of those operations that you talked about are controllable, and the mortgage rate is largely uncontrollable outside of maybe getting a better credit score to get a lower rate or something like that, focus more on what you can control. And Caeli, you touched on something interesting that I think a lot of people don't understand, and that is investor financing versus owner occupant financing. A lot of people just don't understand the differences as to why investor loans cost more, tell us about that.   Caeli Ridge  18:25   Yeah, good question. It happens to be about secondary markets, so I won't get too technical, but when we talk about mortgage backed securities right Wall Street, and this is an asset class that is bought and sold and traded, etc, etc, there are demands, obviously, and then you've got layers of risk. So the baseline thinking is that an owner occupant is less likely to default on the home that they live in, right? Something is going on financially with them. They've got some hardships, etc. They're going to cut loose the rental property before they're going to default on their primary so that's just kind of the overall basic. There's other variables in there, but that's the one that makes the biggest difference. Is default rates on an owner occupied versus a non owner occupied. Now I may argue, if I can just add to this. So this is a little bit of a history lesson for those that maybe remember or too young to remember this. 08, 09, housing and lending implode on each other in this country, the financial crisis, et cetera, et cetera. It was the Wild West before that. You could have a pulse and get a mortgage, even investors right, 0% down. They had some pretty risky things out there. We didn't do that kind of stuff, but they were out there, and I certainly contributed to what happened with the oh eight financial crisis. So fast forward, and I feel like when things like that, especially in this country, happen and devastate big, huge sectors of our economy, we knee jerk. And we knee jerk in a way that is almost the 180 of irresponsibility. Let me explain so when we talk about what it used to be like, fogging a mirror, right, having a pulse and getting a loan as an investor or anyone. For that matter. Now fast forward to post, 08,09, you've got Dodd Frank, all that sweeping legislation, etc, they raised the qualification bar. Okay, that's fine. Now I want to come into today's space, and I want to give you guys an idea of the qualification markers between an owner occupied let's just use an FHA and a non owner occupied purchase. So you can have 580 credit and put three and a half percent down and have slightly over a 50% debt to income ratio and get an FHA loan, a GSE government sponsored enterprise loan. All right, a non owner occupied you've got to walk on water. Man, I make that dumb joke, files of blood and DNA samples, you've got 20 25% down minimum. You've got to have x higher in credit score, all these extra reserves, etc, etc. So I would argue that secondary mentality, thinking the non owner occupied is, in my opinion, probably a more stable loan as it relates to default. So there's some disconnect. I think that the way that that is thought about in secondary market speak, but maybe a little TMI for the listeners. In any case, that's the reason that they're looked at differently. The ideal, or the idea is, is that the owner occupied is less likely to default than the non owner occupied. I would disagree with that premise,   Keith Weinhold  21:19   and I think you would agree that things are still pretty tight because lending requirements are still pretty rigid, still pretty strict. You have to have a good credit history and assets and income, unlike what we had to have 20 years ago, when I was a real estate investor myself, back when things were irresponsible and back when things were free flowing, and money was flying, and a lot of nefarious things were happening. Even though I had a good credit score all my life, I was the beneficiary of those High Flying Wild West times myself. I remember on the first four Plex I owned after I had moved out of it so I didn't even occupy it anymore, I got a generous appraisal for a 90% combined loan to value, cash out, refinance 90% that I would not get today, no way.   Caeli Ridge  22:10   Yeah, but that knee jerk is, I think, also part of the problem. They go the opposite way that pendulum shift is, I feel like there needs to be a little bit more reasonability in the mix and different markers to justify who should be getting or being able to take advantage.   Keith Weinhold  22:26   When we talk about investor loans versus owner occupied loans, that really begs the question. Now, when does it make sense to house hack versus go straight into investor loans? What are some of the trade offs there.   Caeli Ridge  22:41   I would argue that if you are in a position and you're willing to share your primary residence with you know, tenants house hack is always a great idea, because you've got these great loan terms, you've got this massive leverage, and almost always you've got other people making the entire mortgage payment for you, or the vast majority of that mortgage payment, I'm such a big fan of that is a strategy for real estate investing. You've got to do it right. You got to do it by the rules. But I can't think of a downside if you qualify and you're willing to do that, to live with other people right next door, etc, etc. Some families don't think that that works for them, whatever, but I just think it's a fantastic way to jumpstart someone's real estate investment journey and then continue it. If you do it right every 12 months, then you'll be able to continue to parlay into the next, the next, the next. One thing I would say about that that I don't get a lot of opportunity to talk about, but since we're talking about here, if you're going to house hack and you've got, you know, a duplex, triplex fourplex, and you want to manage it yourself, which I think everybody should be responsible to manage at least one rental property in their lifetime, maybe official, yeah, yeah. More often than not, people will tend to pay for that service down the road. But having the experience is valuable. Do not tell the other tenants that you are the home owner, do yourself a favor and just you're another tenant, but you're taking care of you know, you don't want to let them know that you actually own the property. There's lots of emotional and different things that you want to avoid giving that information away to the tenants.   Keith Weinhold  24:17   I have had two friends, and each friend owned a fourplex, and what they did is they would manage the other person's fourplex. That way, they were able to keep it more professional and less emotional, since it wasn't the owner directly dealing with the tenant, and that provided a buffer that really benefited them. I haven't done that myself, but I found that such an interesting way to approach it?    Caeli Ridge  24:42   Yeah, that's smart. If that ends up being your situation, definitely horse trade that way. Otherwise, you're just a tenant and you can be on call whatever, just avoid giving that information back to the other tenants that may be there.   Keith Weinhold  24:54   Well, there's an underwriting reality out there that chili can share with us versus. Some of the online advice that you get, and what some of the biggest myths are that borrowers believe. We'll talk about that next. You're listening to get rich education. Our guest is Ridge lending Group President chailey Ridge, more we come back. I'm your host. Keith Weinhold.    Keith Weinhold  25:12   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721 the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash, slash GRE, that's F, l, O, C, K, homes.com/gre    Keith Weinhold  25:47   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Ted Sutton  26:22   Hey, it's corporate directs Ted Sutton, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  26:29    Welcome back to get Rich's case, we're talking with a familiar and recurrent guest Ridge lending group, President Caeli Ridge Kelly, talk to us about your underwriting reality there, versus some of the advice that one gets online sometimes, including what really gets a loan approved with some of those things like income and reserves and DTI.    Caeli Ridge  26:59   You know, this can be so confusing for the consumer, because there are so many different vehicles in which to get Mortgage Funding, and there's something in our industry called an overlay. Okay, an overlay is taking the purest form of a guideline and adding layers of risk to it. I'll give you an example. Let's say that we know, or most of us know that Fannie Mae and Freddie Mac allow for up to 10 finance properties per qualified individual, right? That is a straight Fannie Freddie guideline B of A, and this could be wrong, but a big boy bank may have an overlay and layers of risk that say we will only allow up to four, right? So all of this differing information, conflicting information, when the nice thing with ridges is that we go by the purest form of the guideline, we are not going to impose those overlays. So in working with us, you're always going to be sure that we know exactly what those guidelines are. We know them like our own faces, and that we're not going to impose some additional risk layering or overlay that might prohibit or preclude the qualification. It's pretty basic stuff. I mean, if you're going full doc, Fannie Freddie, and this can apply to our owner occupied and, of course, all of our non owner occupied income, debt to income, credit and assets, it's a pretty basic formula that we use. And then we've got all the other products that we have. Again, knowing those underwriting guidelines like the back of our hand, is very important to making sure that we can navigate the battleship in a creek. That's the analogy that I give that tends to be mortgage lending, or what feels like mortgage lending anyway. So it's pretty basic. We have to understand what the borrower's qualifications are out of the gate, and then we can provide them with a schematic of options that they can tell us which direction they want to go in    Keith Weinhold  28:42   for quite a long time now, one could get 10 conventional investor loans, single or 20 married. It wasn't always that way. I remember attending a real estate workshop in 2012 and you could only get four loans, or at least you could only easily get four investor loans before that expanded to 10. And we just shouldn't always assume that it's going to be this way forever.   Caeli Ridge  29:06   Yeah, so I kind of going back before 08,09, there was no limit to the number of finance properties Fannie and Freddie would secure per individual. After that crash, it shut off, and it got to four to your point. And then it stayed there for a while, until we kind of brought it back to that 10. You know, there's been rumors for years that they're going to up it to 12 or 15 or some random number. I don't even know where it's coming from. I always make a joke and say, Yeah, between now and my death, we'll see that. But it would be nice. It would be nice if they increase that number a few   Keith Weinhold  29:35   now, as someone is qualifying there, you probably run into a lot of borrowers that believe certain myths or have to have misconceptions corrected. Tell us about some of those    Caeli Ridge  29:45   the biggest myths, I'm going to say that it's probably one of three things they believe that they've got to make 10s of 1000s of dollars a month or hundreds of 1000s of dollars a year to qualify. Absolutely not true. It's so much less about the monthly. Income than it is the monthly income in relation to your minimum payments on your credit report. So just as an example, I could have a client that only shows $1,000 a month of income, but if they truly have no debt and some of the other qualifying criteria, they can qualify for a mortgage on an investment property, because the investment property has income to offset that mortgage payment. So it dispel the myth about having massive amounts of monthly income. That's not necessary. It's about the income and your monthly debt that we find on your credit report. That would be the first thing. The other thing, speaking of credit reports, I would say, is that a lot of times, people think that the overall debt that they're carrying matters. I mean, Mr. Jones could have $300,000 worth of debt, but his monthly payments are only 1500 All I care about is that monthly amount. I do not care what the total outstanding debt is. I hear that one a lot inquiries, credit inquiries. Every time you have your credit pulled, it drops the score, 20 points. Not the case. Now I can go down that rabbit hole, Keith, but it is a rabbit hole, so maybe I'll just leave it there. Your credit score does not drop X number every time you have your credit pulled. That's a misnomer.   Keith Weinhold  31:07   Well, actually, that brings up a thought. Then once prospective borrower initiates with you in there and gets the ball rolling in qualifying for a loan, what are some reasons that deals die late in the process? So what does it take to be sure to hold that together?   Caeli Ridge  31:23   You know, I think it all boils down to communication. And we tell our clients this on the front end, treat us like your attorney. You tell us everything, do not own anything, so that we can ensure that we're guiding you appropriately. So lack of information can derail things. Let's say, for example, they change jobs, and it's a completely new line of work, and it could prohibit or preclude the amount of income that we could have we were using now DTI gets changed, or they buy a new car in the middle, and they don't think it's going to come up. And now it's a DTI issue. It can be all kinds of things, but the point there is communication is key. Just keep us informed, and then we will give you the input or advice, and then you do what you want with that. But at least it's not once the bell is rung.   Keith Weinhold  32:05   Live pretty conservatively and safely until that loan closes. Yes, sir. Well, does that bring up any stories? Sometimes people learn better that way. Is there a deal? Perhaps that should have worked, but it didn't.   Caeli Ridge  32:20   That's a good question. You know, I think that the answer is no, and mostly because we have such a diverse menu of loan products, even if something did happen and even if it was outside of anyone's control, let's say we would normally just pivot to another loan product that would accommodate whatever that event ended up being. I cannot think of an example where a deal fell apart that could have gone differently, that we weren't able to just simply pivot into another path and close the loan for    Keith Weinhold  32:49   well, America is a place that promotes entrepreneurship, and it seems like side hustles as well are more popular than they've been before. So can you talk to us about how self employed borrowers get evaluated?    Caeli Ridge  33:04   Yeah, it is different. I mean, the simplest way to describe it is, we're going to take the adjusted gross income, but there are something called add backs. So depending on what their deductions are, there are certain things like Depreciation or Amortization or, I mean, there's a whole slew of things that we're able to take those numbers and add it back into the Adjusted Gross and then divide by 12 or 24 whatever it needs to be. That's typically what we're going to be looking at for a self employed person, versus the straight w2 is just the gross income divided by 12 months.   Keith Weinhold  33:35   Well, Caeli, this has been really good with some strategies and some actionable tactics. Before I ask how one can learn more about ridge? Is there any last thing that you'd like to share with us, whether that's to expand on anything we discussed, or any of the more nascent things that have happened, like banks holding less in capital reserves, or Fannie Mae, except in crypto back mortgages? Is there anything else we really ought to know?    Caeli Ridge  33:57   You know, I think my advice right now for anybody that is in real estate investing, thinking about getting into real estate investing, be informed. Listen to people like Keith, ideally, listen to people like me. I've been doing this for a very, very long time. I'm an educator at heart. Get your information from sources that you can trust, and try to avoid the analysis paralysis the best you can. I know that people get hung up on that, but now is the best time ever, and I would say that tomorrow and the next day and next year and the year after that, to invest in real estate.   Keith Weinhold  34:27   Yes, the only thing that could possibly make now better than ever is now is sooner than it's ever going to be again. Well, Caeli, if someone wants to get a hold of ridge so they can tell you their situation, and you can then help them find out how you can best help. What should they do?    Caeli Ridge  34:43   There's so many ways. Check out our website, ridgelinengroup.com you can email us info@ridgelinengroup.com you can call us toll free at 855, 74, Ridge. All of those ways get to us, and I look forward to speaking with each and every one of you   Keith Weinhold  34:58   that's been valuable. Always It's been great having you here.    Caeli Ridge  35:01   Thanks. Keith   Keith Weinhold  35:08   Caeli brought up a great point from the lender's view, when they make a loan, it might be safer for them to lend on an income property loan, actually, than it is for your own home, because on the income property, you have a substantially higher qualification bar to clear, and you have to make a higher down payment on it. I hadn't thought about it that way before. As far as Fannie Mae accepting crypto backed mortgage structures, that is still new as of this year. How it works with a crypto backed mortgage is that you're usually getting two loans. First you get a normal mortgage, and then for your down payment, it's a separate loan that's backed by your crypto. Your crypto stays locked up for years and you can't trade it while it's pledged as your home down payment. That's generally how it works. But notice the attraction. You would also get to keep your crypto while you're leveraging it. Also notice the risk there, and very few banks offer this, think Coinbase and not JPMorgan Chase. It's still new and niche, and it remains to be seen whether or not crypto backed loans will gain any real traction. It's only likely going to accept Bitcoin, Ethereum or stablecoins, not altcoins. Only about 1% of homebuyers use crypto in transactions. Most of what the current presidential administration has done focuses on making mortgages easier to get, not in making homes cheaper. Making mortgages easier to get means more bidders and higher prices. Washington can make it easier to get a mortgage, but they cannot make a $400,000 property cost $300,000 we talked about how to borrow to win today, and big thanks to our terrific guest. Until next week, I'm your host. Keith Weinhold, though you might quit your day job, don't quit your Daydream.   Speaker 2  37:17   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively you   Keith Weinhold  37:45   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

What if family devotions didn't have to be perfect to be effective? Adam and Cassie sit down with Carl Laferton to talk about what family Bible time really looks like in a normal home—and why the ordinary, imperfect moments are often where God is doing the most. If you've ever thought: “We should be doing family devotions…” “We tried, but it didn't go well…” “I don't feel equipped to lead my kids spiritually…” This episode is for you. Carl offers a refreshing, honest take:Family devotions are necessary—but they're not everything. They're one part of a much bigger picture: a home where the gospel shows up in everyday life. “Family Bible time is not sufficient for discipleship… but it is a necessary foundation.” Let this Mother's Day be a reminder that she deserves care, too. Head to cozyearth.com and use our code FDP for an exclusive 20% off, and if you see a post-purchase survey, be sure to mention you heard about Cozy Earth from us here at The Family Discipleship Podcast. Follow Us:Instagram | Facebook | WebsiteEditing and support by The Good Podcast Co. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

https://fox2now.com/news/true-crime/chris-coleman-a-mans-secret-life-ended-in-the-2009-murder-of-his-family/, https://www.stltoday.com/news/archives/may-5-2009-three-murders-mark-the-start-of-the-christopher-coleman-case/article_404da836-4ca1-5e88-b6c9-22ed6e560f9a.html, https://vocal.media/criminal/if-something-happens-to-me-chris-did-it-the-coleman-family-murders, https://fox2now.com/news/convicted-killer-chris-coleman-talks-to-crime-watch-daily/, https://www.stlmag.com/A-Family-Erased-The-Chris-Coleman-Story/, https://www.nbcnews.com/id/wbna30841214, https://www.cbsnews.com/news/man-accused-of-killing-family-texts-girlfriend-from-wifes-funeral/, https://www.cbsnews.com/news/ex-marine-chris-coleman-found-guilty-of-murdering-wife-kids-on-second-anniversay-of-ill-killings/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Jim Daly speaks with author and ministry leader Denise Shick about how parents and church leaders can guide young people through today’s confusing conversations about gender and identity. Drawing from her deeply personal story—including the impact of her father’s gender transition during her childhood and her own season of gender confusion—Denise shares how cultural influences, social media, and shifting societal norms are shaping the next generation. With compassion and biblical clarity, she shares powerful redemption stories and offers practical encouragement for parents who want to talk honestly with their children about God’s design for male and female, while pointing young people toward the lasting hope, identity, and healing that can only be found in Jesus Christ. Get a copy of Denise Shick's book, Grace & Truth: Navigating Faith-Based LGBT Conversations With Youth, for a gift of any amount. This booklet describes scenarios where you and your family might encounter transgender issues – at school, in private spaces and in your family – and gives guidance for responding with wisdom and grace. The free PDF also helps you understand transgender terminology and ideology and their effects on the culture. Focus on the Family's staff of licensed, professional counselors can help you bring healing and restoration to your family with Christian perspectives you can trust. Buy your copy of Jim Daly’s book, ReFOCUS! He shares how believers can engage others in the culture with the love of Christ and reveal the heart of God. Laura Perry Smalts shares her story of childhood pain and trauma that led her to identify as a man for seven years. She'll unpack the spiritual transformation she experienced because her parents and the love of many other Christians that convinced her to place her faith in Christ. SUPPORT REFOCUS! GIVE HERE! Send your feedback or questions to Jim in the Contact Form.

From the streets of the South Bronx to running one of the busiest weed operations in New York City — this is the story of Angel Diaz, aka Julito. In this raw and unfiltered interview, Julito breaks down how he was raised in the drug game, watching his mother move heroin and cocaine before stepping into the streets himself at just 12 years old. From selling crack and flipping weed to building a massive distribution network moving pounds daily, he shares how loyalty, hustle, and survival shaped his rise. But the game comes with a price. Julito opens up about violence, betrayal, federal indictments, and the moment everything came crashing down due to snitches and internal conflict. After years behind bars, he reflects on the truth most don't talk about: There's no glory in the street life. Go Support Julito! IG: https://www.instagram.com/bx_julito/ Clothing: https://www.maisonbullion.co Book: https://www.barnesandnoble.com/w/the-united-states-of-america-v-julito-angel-diaz/1146480500 This Episode Is #Sponsored By The Following: Lucy! Find LUCY near you at https://lucy.co/stores, or save 20% on your first online order at https://lucy.co/CONNECT with promo code CONNECT. Shopify! Sign up for your one-dollar-per-month trial today at https://shopify.com/mitchell Betterhelp! When life feels overwhelming, therapy can help. Sign up and get 10% off at https://betterhelp.com/connect Cash App! Download Cash App Today: https://capl.onelink.me/vFut/1ekoiacn #CashAppPod. Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. See terms and conditions at https://cash.app/legal/us/en-us/card-agreement. Cash App Green, overdraft coverage, borrow, cash back offers and promotions provided by Cash App, a Block, Inc. brand. Visit http://cash.app/legal/podcast for full disclosures. Join The Patreon For Bonus Content! https://www.patreon.com/theconnectshow 00:00 Intro: Meet Julito – Bronx Weed Kingpin 01:53 Puerto Rican Roots & Family in the South Bronx 03:56 Julito's Upbringing & Family's Criminal Past 10:05 Early Hustles: Family Drug Business 16:39 Growing Up Surrounded by Drugs & Violence 21:15 This Episode Is Sponsored By Lucy 22:40 Weed, Heroin, Crack: Bronx Drug Culture Breakdown 30:00 This Episode Is Sponsored By Shopify and Betterhelp 32:38 Julito's First Steps as a Young Hustler 36:19 The Weed Block Corner Sales 41:52 This Episode Is Sponsored By Cash App 43:16 From Corners To Big Business 48:45 Clientele, Profits & Outwitting the Law 55:40 Moving Up: Gaining Trust and Becoming the Boss 01:12:01 Running the Block & Dealing with Competition 01:23:50 Weed Droughts, Strains, and Evolving Drug Game 01:31:07 The Rise of Sour Diesel and High-End Weed 01:36:01 Block Politics & Rivalries in the Bronx 01:43:43 Violence, Betrayal, and the Feds Closing In 01:54:41 The Murder, the Snitch, and the Downfall 02:07:38 Feds Build Their Case & Block Goes Down 02:18:27 Prison, Reflecting on the Game & Life Lessons 02:20:19 Life After Prison & Final Thoughts Learn more about your ad choices. Visit podcastchoices.com/adchoices

Case File #03: The Millennium Ghost is Now Open

Sponsored by Fidei Email:https://www.fidei.emailSources:https://www.returntotradition.orgorhttps://substack.com/@returntotradition1Contact Me:Email: return2catholictradition@gmail.comSupport My Work:Patreonhttps://www.patreon.com/AnthonyStineSubscribeStarhttps://www.subscribestar.net/return-to-traditionBuy Me A Coffeehttps://www.buymeacoffee.com/AnthonyStinePhysical Mail:Anthony StinePO Box 3048Shawnee, OK74802Follow me on the following social media:https://www.facebook.com/ReturnToCatholicTradition/https://twitter.com/pontificatormax+JMJ+#popeleoXIV #catholicism #catholicchurch #catholicprophecy#infiltration

After years of talking about it, the renovation of Memorial Stadium is finally going to take place!  On this edition of the Husker Doc Talk Podcast, Travis Justice and Dr. Rob Zatechka talk about the $600 million project.  The project will bring major changes to the 103-year-old stadium. The south stadium will be completely demolished and rebuilt. This will create a 360-degree concourse and more fan amenities. Capacity will drop to 80,000 but will include 20,000 additional chairback seats and a 7,000-seat student section. Change does not come without complaints. People are unhappy with the project's price tag. They are also upset about the decision to eliminate legacy season tickets. As Travis and Dr. Rob Discuss, this is all part of doing business in today's world of college football.  Stealing a line from “The Godfather,” it's not personal, it's business. The podcast covers a lot of ground, including the proposed 5-for-5 eligibility rule. The Big Ten's record payout to schools from the first full year of the new media contract.  Also, the dangers to the transfer portal. We witnessed it firsthand recently with Brendan Sorsby at Texas Tech, who checked into a residential treatment facility for gambling addiction. The portal's shotgun marriages do not give teams enough time to conduct background checks on players. Unlike the NFL, which has a security team in place that knows everything possible about a player before the draft. Subscribe to the channel, leave a comment, and send us an email if you have a question, doctalksports@gmail.com. If you like this podcast, please support  our sponsors who make this all possible: Orr Law Group Life throws legal challenges at all of us — and when it does, you need a team that's trusted, respected, and proven. Orr Law Group provides expert legal representation with a client-first approach, specializing in personal injury, workers' compensation, family matters, and more. When you need clear guidance and strong advocacy, the Orr Law Group is in your corner. Learn more at www.orrlawgrp.com. Husker Hounds Whether it's game day, bowl season, or the long wait until spring practice, Husker Hounds is your go-to source for the best Nebraska gear. Jerseys, hoodies, hats, collectibles — if it's Husker-related, they've got it. Family-owned, locally operated, and serving Husker Nation for decades, Husker Hounds helps you show your Nebraska pride every day of the year. Shop online at www.huskerhounds.com.

Drop us some Fan Mail. Thanks!Question: How do I delicately share information about my child's birth parent with my child, when we know their biological parent has a long history of arrest? They are not a safe adult for my child to maintain a relationship with. Our family is struggling with how to balance the message that the adoption plan was made out of love for the child and not wanting to cast a negative message about the child's birth parent, even though we know there is a history of some very violent acts. We want this child to know and understand why the birth parent is not part of their life.Resources: Talking with Young Children about Adoption and Birth ParentsUsing Lifebooks to Explain Complex Issues in Adoption to KidsBuilding the Framework for Adopted & Foster Children to Process the Hard Parts of Their StoriesSupport the showPlease leave us a rating or review.  This podcast is produced by www.CreatingaFamily.org. We are a national non-profit with the mission to strengthen and inspire adoptive, foster & kinship parents and the professionals who support them.Creating a Family brings you the following trauma-informed, expert-based content:Weekly podcastsWeekly articles/blog postsResource pages on all aspects of family building

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 Jeremy Anderson. SUMMARY OF THE INTERVIEW The conversation between Rushion McDonald and Jeremy Anderson on Money Making Conversations Masterclass covers Jeremy’s personal transformation, his mission-driven approach to motivational speaking, the creation of Next Level Speakers Academy, the power of environment and mindset, and his philanthropic work in South Africa. The interview highlights values such as purpose over profit, taking ownership, perseverance, and maximizing one’s potential. [ PURPOSE OF THE INTERVIEW The purpose of the episode is to: 1. Introduce Jeremy Anderson’s Work Showcase Jeremy’s role as a premier motivational speaker, founder of Next Level Speakers Academy, and co‑founder of Next Level Living, which feeds a thousand children weekly in South Africa. [ 2. Inspire Listeners Toward Purpose‑Driven Success Encourage viewers to move from “wasted potential” to purposeful, impactful living by believing in themselves and pursuing their gifts. 3. Demonstrate How Jeremy’s Principles Apply Broadly Rushion emphasizes that Jeremy’s business, branding, and mindset strategies apply not just to speakers, but to entrepreneurs, executives, and everyday people. 4. Promote Actionable Personal Growth The interview seeks to motivate listeners to take ownership, adopt non‑negotiable success habits, and maximize opportunities. KEY TAKEAWAYS 1. Wasted Potential is a Universal Struggle Jeremy defines wasted potential as having greatness inside but failing to believe in it or pursue it. Many people don’t lack talent — they lack belief and action. 2. Purpose Over Profit He warns new speakers not to chase “the bag.”Impact first → income follows. If your heart is for people, success comes naturally. 3. Your Story Is Your Superpower Every struggle someone has overcome is a testimony meant to help others. Keeping quiet keeps your gift hidden. 4. Maximize Every Opportunity Whether you’re speaking, laying concrete, or running a small business, get every drop out of every engagement — testimonials, photos, referrals, and relationship‑building. 5. Environment and Mindset Matter True growth starts by changing your internal environment.Jeremy’s life changed when teachers chose to see the best in him, showing that belief from others can shift self-belief. 6. Non‑Negotiables Build Discipline Success requires habits you don’t negotiate with: early rising, prayer, meditation, cold plunges, challenging discomfort, and consistent personal development. 7. Extreme Ownership Replaces Excuses Greatness comes from responsibility, not excuses. Jeremy demands accountability from his teams and himself. 8. Brand Is Built on Transparency Jeremy’s brand centers on perseverance, faith, and family—not perfection. He shares both triumphs and private struggles. 9. Giving Back Is Central to His Purpose Next Level Living feeds 1,000 children weekly and sponsors students in South Africa through college. Impact must extend beyond business. NOTABLE QUOTES FROM THE INTERVIEW On Purpose & Potential “Don’t come to me for profits. Come to me for purpose. Don’t come to me for income. Come to me for impact.” “It’s only a testimony if you testify.” “Most people don’t believe and they don’t pursue — that’s wasted potential.” On Mindset & Environment “I wasn’t living a life of purpose… I had to stop blaming others and go all in on me.” “Sometimes the shackles we have are in our mind.” On Discipline “Success requires non‑negotiables.” (Waking early, prayer, meditation, discomfort training) “People want comfort — but everything great comes with discomfort.” On Value “If you want to be valuable, you must have value.” “They’re not paying me top dollar because I'm motivational. I solve a problem.” On Legacy & Family “My brand is perseverance and family.” “These things don’t happen to me — they happen for me.” On Accountability “No excuses — take ownership.” “I’ve never met anyone who became great from excuses.” On Giving Back “We’ve been feeding a thousand starving children every week since 2018.” “We put 60 kids through college — and we’re just getting started.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

https://www.youtube.com/@FamilyGoalsPod?sub_confirmation=1Faith, Deeds and SalvationYou are listening to David Pollack (College Football Hall-of-Famer & CFB Analyst) and Jonathan Howes (Lead Pastor of Graystone Church) have a weekly conversation about God, Family, and Sports.#familygoalspodcast #familygoals #ChristianityRespond in the comments, SUBSCRIBE and CLICK THE BELL for notificationsFOLLOW The Family Goals Podcast: https://podcasts.apple.com/us/podcast/family-goals-with-david-pollack-and-pastor-j/id1585214791X: https://x.com/familygoalspodInstagram: https://www.instagram.com/familygoalspod/Toney Financial Services: https://www.toneyfinancialinc.com/Graystone Church: https://www.graystonechurch.com/FOLLOW See Ball Get Ball with David Pollack: https://www.youtube.com/@DavidPollackCFBhttps://podcasts.apple.com/us/podcast/see-ball-get-ball-with-david-pollack/id1769665459Produced by: https://www.bigstoryco.com

When mom and dad go to war, it's the children who suffer the most. Family tension bleeds into every aspect of their lives, and frequently, they have nowhere to hide or even space to process the external and internal strife. As a kid, we fled to stories. Whether it was E.T. the Extra-Terrestrial or Mrs. Doubtfire, fiction helped us process the big emotions we witnessed flowing from our parents. This week on the podcast, we're talking with collaborators Jimmy Gaspero and Amber Akin about their new all-ages graphic novel, Penny and the Yeti. It's a comic designed to help kids navigate the world when the adult voices in their home get too darn loud. Currently, divorce rates in America fall between 40 and 50 percent. Whether a kid is personally affected by this rate or not, they'll certainly encounter divorce among friends. They will rely on stories like Penny and the Yeti to clarify this reality. And creating such stories bears an incredible responsibility. With Jimmy Gaspero and Amber Akin, we discuss Penny and the Yeti's origins, its ties to Gaspero's own daughter, and the joys of visualizing cryptids. Why a Yeti? If you know Jimmy and his work as a podcaster and journalist, you know the answer already. And we get into that specific aspect of his life as well. Penny and the Yeti is out now from Papercutz. It's written by Jimmy Gaspero, illustrated by Amber Akin, color flatted by Charlie Akin, and lettered by Buddy Beaudoin. You can continue this conversation by following Jimmy Gaspero on Instagram and BlueSky and Amber Akin on Instagram and BlueSky. This Week's Sponsors The Future is Calling! 2000 AD is the Galaxy's Greatest Comic, with new issues published every single week! Every 32-page issue of 2000 AD brings you the best in sci-fi and horror, featuring characters like Judge Dredd, Rogue Trooper, and more. Get a print subscription to 2000 AD and it'll arrive to your mailbox every week - and your first issue is free! Or subscribe digitally, and you can download DRM-free copies of each issue for only $9 a month. That's 128 pages of incredible comics every month for less than $10! Head to 2000AD.com and click on ‘subscribe' now – or download the 2000 AD app and start reading today! Everyone loves to talk and debate about comics, but few people get to see what it's actually like behind the scenes. Now, IDW Publishing is changing that with the launch of IDW Studios. The first monthly show is CreatorxCreator, a free-flowing, fun, and honest chat between two comic book creators as they discuss their craft, process, inspiration, and what life is really like as a creative. The second monthly show, Superlatives, brings IDW's knowledgeable and spirited editors head-to-head to debate each of these categories, with another editor stepping in as the moderator to pick the winner once the pros have made their arguments. Other Relevant Links to This Week's Episode: Subscribe to the Comic Book Couples Counseling YouTube Channel Watch The Stacks, Comic Creators Name Their Favorite Comics Help Send Chris Hacker to SDCC GoFundMe Previously on CBCC: Kevin Alvir on Lisa Chees and Ghost Guitar Book 2 Comic Book Club: Beneath the Trees Where Nobody Sees at Meanwhile...Coffee in Herndon, Virginia, on 5/3 at 3:30 PM Final Round of Plugs (PHEW): Support the Podcast by Joining OUR PATREON COMMUNITY. And, of course, follow Comic Book Couples Counseling on Facebook, on Instagram, and on Bluesky @CBCCPodcast, and you can follow hosts Brad Gullickson @MouthDork & Lisa Gullickson @sidewalksiren. Send us your Words of Affirmation by leaving us a 5-star Review on Apple Podcasts. Continue your conversation with CBCC by hopping over to our website, where we have reviews, essays, and numerous interviews with comic book creators. Podcast logo by Jesse Lonergan and Hassan Otsmane-Elhaou.

In this heartfelt conversation, Coach Blu Robinson welcomes back returning guest Patrick Overholt to reflect on his journey through addiction, recovery, and the life-changing power of community and purpose. Patrick shares personal stories of healing, the role humility has played in his growth, and how golf, fellowship, and connection continue to support his recovery. Chapters 00:00 Introduction and Setting the Stage 02:51 The Journey of Recovery: Struggles and Triumphs 06:07 The Role of Family in Recovery 09:02 Facing Challenges: The Importance of Community 12:11 Lessons Learned: The Path to Sobriety 15:05 The Impact of Addiction on Parenting 17:53 Finding Hope and Purpose 21:06 The Ripple Effect of Recovery 23:59 Navigating Relationships in Recovery 27:12 Honoring Those Lost: A Personal Reflection 34:23 Facing Loss and Grief 39:05 Understanding Addiction's Impact 44:54 The Power of Community in Recovery 48:36 Expanding Inclusivity in Recovery Programs 51:58 The Unseen Struggles of Addiction 54:43 The Recipe for Recovery and Growth Resources Addict to Athlete Website - https://addicttoathlete.org Good Time Golf - https://goodtimegolf.org/ Recipe Golf Apparel and Storytelling - https://recipegolf.com/      

Your family needs your phone when you're gone — most of them can't get in. Here's the fix.

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Ina, Illinois was the kind of town where nothing ever happened… until an entire family was found murdered inside their mobile home. A young mother, her children, and a newborn baby were left arranged in bed, while the husband was discovered miles away in a field—executed and mutilated. Decades later, a notorious serial killer confessed, but his story kept changing, leaving one terrifying question behind: did the real killer ever get caught? Huge thanks to our sponsors for making this episode possible: Acorns: Sign up now and Acorns will boost your new account with a $5 bonus investment. Head to⁠⁠⁠ ⁠acorns.com/crimehub⁠⁠⁠⁠ or download the Acorns app to get started. Shopify: Sign up for your $1 per month trial today at ⁠shopify.com/crimehub⁠ Quince: Go to ⁠quince.com/crimehub⁠ for free shipping and 365-day returns.  Writer: Samantha Davis * * * CONTENT DISCLAIMER: This episode contains explicit content intended for mature audiences. Parental guidance is advised for children under the age of 18. Listen at your own discretion. #truecrime #truecrimestories #truecrimepodcast #crimehub Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we sit down with the chart-topping Smallbone family of For King & Country to unpack the journey behind their music, message, and mission. From their early days growing up between continents to selling out arenas worldwide, they open up about the challenges that shaped their faith and fueled their passion- along with an inside look at their upcoming music and exciting new projects

Family Lore is a weekly narrative podcast that celebrates and investigates ancestral mystique. Each episode begins with a guest sharing a fascinating family legend, followed by a historical deep-dive to uncover the truth and meaning behind the tale. Available now: link.pscrb.fm/f0281/FLFD To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Brittany has gone no-contact with her dad and stepmom, but they continue trying to reconnect. Meanwhile, her mother Melissa is carrying guilt over the family fracture. Call 1-800-DR-LAURA / 1-800-375-2872 or make an appointment at DrLaura.com Follow me on social media: Facebook.com/DrLaura Instagram.com/DrLauraProgram YouTube.com/DrLaura Join My Family!! Receive my Weekly Newsletter + 20% off my Marriage 101 course & 25% off Merch! Sign up now, it's FREE! Each week you'll get new articles, featured emails from listeners, special event invitations, early access to my Dr. Laura Designs Store benefiting Children of Fallen Patriots, and MORE! Sign up at DrLaura.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dr. Kathy Koch wants to help parents adjust to a “new normal” when their children become adults. The relationship has changed, and parents of adult kids need to change their expectations, listen more and advise less, break free from codependency, and give these new adults space and freedom to become the people God made them to be. Receive a copy of Resolve Conflict and Find Peace and Hope with Adult Children and an audio download of "Finding Your New Normal in Relating to Your Adult Children" for your donation of any amount! Get More Episode Resources If you enjoyed listening to Focus on the Family with Jim Daly, please give us your feedback.

Gaten Matarazzo (Stranger Things) joins Chelsea to discuss why long-distance works in his long-term relationship, the Pork Roll vs. Taylor Ham drama, and why dog people might be assholes. Then: AI memes have one listener rolling her eyes. A new girlfriend is destroying a friendship. And a caller wants to give a big gift - but are there strings attached? * Check out Pizza Movie on Hulu and Animal Farm in theaters now! * Need some advice from Chelsea? Email us at DearChelseaPodcast@gmail.com * Executive Producer Catherine Law Edited & Engineered by Brad Dickert * * * The views and opinions expressed are solely those of the Podcast author, or individuals participating in the Podcast, and do not represent the opinions of iHeartMedia or its employees. This Podcast should not be used as medical advice, mental health advice, mental health counseling or therapy, or as imparting any health care recommendations at all. Individuals are advised to seek independent medical, counseling advice and/or therapy from a competent health care professional with respect to any medical condition, mental health issues, health inquiry or matter, including matters discussed on this Podcast. Guests and listeners should not rely on matters discussed in the Podcast and shall not act or shall refrain from acting based on information contained in the Podcast without first seeking independent medical advice. See omnystudio.com/listener for privacy information.

What do you do when your child's ideas about money start to sharply diverge from your own? Reema is joined by journalist Patrick Radden Keefe to discuss his new book, “London Falling: A Mysterious Death in a Gilded City and a Family's Search for Truth.” Along the way they get into the thorny realities of parenting in a time when young people are aspiring to be like the ultra-wealthy. Follow us on Instagram and TikTok! If you liked this episode, share it with a friend. And let us know what you think by emailing uncomfortable@marketplace.org or calling 347-RING-TIU.Support “This Is Uncomfortable” with your donation today: https://bit.ly/mkp_tiu_pod

Love this clip? Check out the full episode: Episode #372: 10 Signs You're In A Dysfunctional FamilyListen to the full conversation in the original episode HERE.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 Dominique Leonard. Founder of Jus' Free, a parole package provider. Here are some key highlights and themes from the conversation:

What's the difference between a contract vs. a covenant type of love? Dr. Greg Smalley answers that question. Then, Jim Daly talks with Dr. Gary Chapman on what real commitment in your marriage looks like. At the end, Erin and John will share what you can do if you're in a tough spot as a couple. Find us online at focusonthefamily.com/marriagepodcast or call 1-800-A-FAMILY. Receive the book A Simple Guide for a Better Marriage for your donation of any amount! Hope Restored Finding New Ways to Thrive in Your Marriage Counseling Consultation and Referrals Navigating Marriage Expectations When Marriage Isn’t How You Thought It Would Be Support This Show! If you enjoyed listening to the Focus on Marriage Podcast, please give us your feedback.

Joe Dombrowski takes us back to school on the show today backseaters. Break out those chain wallets, JNCO Jeans, Rainbow Sandals and band T's and Joe gives us the real POV of teaching your kids while becoming a comedian. We also break down what's worse than a crying baby on a plane, why baseball game dates are the best and much more!Enjoy the show!Join us at the Dustin Nickerson Comedy Fans Facebook Group: : http://www.facebook.com/groups/dustinnickersoncomedyWatch the show every week over at Nateland Entertainment:: https://www.youtube.com/channel/UCzAzMoLwjQTuyqu2QFFzvQQDon't Make Me Come Back There Podcast is hosted by Dustin and Melissa Nickerson |Watch Now: https://youtube.com/playlist?list=PL4aMLhoDw6JasL8tgtrlkABlGU8tsiwnH&si=51tUApjDrmh4nz93Podcast produced and edited by Andy Lara at Sun Face Mediahttps://www.dustinnickerson.comhttps://www.andylikeswords.comEmail - dontmakemecomebackthere@gmail.com------------------------------------------------------------------------------------------Come see Dustin LIVE on tour: https://www.dustinnickerson.com/tourFollow and Listen to  Don't Make Me Come Back There: https://apple.co/3A1fbnPSpotify:https://open.spotify.com/show/0qdEVMAx9LqmnqIHmkjOGg?si=341fc47a1a3145e1Watch the new comedy special, Runs in the Family from Dustin Nickerson | (Full Comedy Special) #newcomedy #standupcomedy : https://youtu.be/0Dybn3Atj9kOrder Dustin's book: How to Be Married (To Melissa) today!” https://www.thomasnelson.com/p/how-to-be-married-to-melissa/Give a little more and get a little more from the pod on Patreon!Head to https://www.patreon.com/DustinNickerson for the Patreon Pre Show with behind the scenes podcast rants, exclusive bonus content, and to help support the show.Visit the MERCH shop: https://www.dustinnickerson.com/shopGet social with DustinFacebook: http://www.facebook.com/groups/dustinnickersoncomedyX: https://www.X.com/dustinnickersonInstagram: https://www.instagram.com/dustinnickerson/Tiktok: https://www.tiktok.com/@dustinnickerson

The cousin of Summer House star West kills his grandmother, TV quotes we say every day, we find out about low effort families, and Matt Nathanson starts his visit to the show.

What do you do when your child's ideas about money start to sharply diverge from your own? Reema is joined by journalist Patrick Radden Keefe to discuss his new book, “London Falling: A Mysterious Death in a Gilded City and a Family's Search for Truth.” Along the way they get into the thorny realities of parenting in a time when young people are aspiring to be like the ultra-wealthy. Follow us on Instagram and TikTok! If you liked this episode, share it with a friend. And let us know what you think by emailing uncomfortable@marketplace.org or calling 347-RING-TIU.Support “This Is Uncomfortable” with your donation today: https://bit.ly/mkp_tiu_pod

This episode explores the reasons why the Protestant church is directly contributing to the destruction of the multi-generational household. I'll dive into 3 specific issues that I see, and then give steps I think we can take as a church to solve them, so that we stop teaching an unbiblical view of family, which has far reaching consequences. On this episode, we talk about: 0:00 Intro 1:07 The church is teaching the wrong idea of family 3:01 3 Ways the church promotes unbiblical family 3:40 Problem 1 8:17 Problem 2 10:20 Problem 3 16:03 How to recover the multigenerational family Follow Family Teams: Facebook: https://facebook.com/famteams Instagram: https://www.instagram.com/familyteams Website: https://www.familyteams.com Resources Mentioned: Previous video in the series: https://www.youtube.com/watch?v=NLesbNPO7c8 --- Hi, welcome to the Family Teams podcast! Our goal here is to help your family become a multigenerational team on mission by providing you with Biblically rooted concepts, tools and rhythms! Your hosts are Jeremy Pryor and Jefferson Bethke. Make sure to subscribe on Apple, Spotify, or YouTube so you don't miss out on future episodes!

Why are some kids deconstructing their faith? Danny shares some of the reasons why teens who grew up Christian have drifted from the faith. Also, Dr. John Marriott tells part of his own story with Jim Daly. Find us online at focusonthefamily.com/parentingpodcast. Or call 1-800-A-FAMILY. Receive the book Before You Go for your donation of any amount! Take the 7 Traits of Effective Parenting Assessment When Your Son or Daughter is Deconstructing Faith I-II What to do When Your Adult Child Is Deconstructing Their Faith Contact our Counseling Team Support This Show! If you enjoyed listening to the Focus on Parenting Podcast, please give us your feedback.

Ever dreamed of starting a preschool on your own land—maybe a farm, a garden, or just wide open space—but worried no one would drive out to you? If so, you should listen in to today's Preschool All Stars story! Amy spent 18 years in the public school system, but she came home to her family after some health challenges. After trying direct sales and blogging, she realized what she really wanted: to create a farm preschool on her family's land. Now she's laying the groundwork for an online preschool (while she heals physically), and planning her dream: a nature-based, farm preschool unlike anything else in her area. Find out how she did it: • How she'll turn her land into a farm preschool • How she turned burnout into a beautiful farm-based vision • The reason families will drive 20 minutes for her preschool Please rate and review us at Apple Podcasts. (We hope we've earned your 5 stars!) GET MY FREE RESOURCES FOR YOUR PRESCHOOL JOURNEY: ❤️ Get my FREE “Start Your Preschool” book (+ $7.95 s&h) ❤️ Watch my FREE "How to Start a Local or Online Preschool" Workshop ❤️ Join my Preschool All Stars membership to get mentorship, support, friendship, and training for every step of your preschool journey FOLLOW ME ON MY MISSION:

Senator Marsha Blackburn, Republican Senator from Tennessee and author of The Mind of a Conservative Woman: Seeking the Best for Family and Country, joined us on the Guy Benson Show today to discuss her new bill that would incentivize law enforcement in blue states to cooperate with ICE and ICE operations. Sen. Blackburn also discussed the SCOTUS ruling on the Voting Rights Act and why she's calling on Tennessee to redistrict. Sen. Blackburn also discussed the end of the DHS shutdown, and you can listen to the full interview below! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Who was Rex Heuermann — really? His ex-wife says he was the one person she could count on. His daughter says he was a loving father who never let his two worlds cross. The FBI's John Douglas says he's a malignant narcissistic sadistic psychopathic serial killer who almost certainly has more victims than the eight he's admitted to. They're all right. And that's what makes this case unlike anything else in modern true crime. The Peacock documentary stripped away the courtroom formality and the legal maneuvering and showed us the raw reality of what happens inside a serial killer's family when the truth finally surfaces. Asa Ellerup learned that women were murdered and dismembered in her basement — then moved back into that basement and started sleeping in the kill room. Victoria Heuermann listed the ages she was when each victim was killed, learned her father never thought about her during the murders, and forgave him on the spot. And Rex, in therapy sessions captured by the documentary, described a four-day kill cycle, admitted to timing his body dumps with a stopwatch, and revealed that sex and violence merged in his mind during adolescence and never separated. Psychotherapist Shavaun Scott joins me for an expansive three-part conversation covering every psychological dimension of this family — from Asa's constructed reality to Victoria's impossible reckoning to Rex's mind itself. If you've been following the Gilgo Beach case and you want to understand what the documentary actually means — not just what happened, but why — this series is where you need to start.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#RexHeuermann #GilgoBeach #AsaEllerup #VictoriaHeuermann #LISK #GilgoBeachKiller #HiddenKillers #TrueCrime #HouseOfSecrets #ShavaunScott

Was the Apostle Paul Torah-observant — not just before the Damascus road, but throughout his apostleship to the nations? Brad East stakes out a thesis drawn from Messianic Judaism and the Paul Within Judaism school: that Acts 21 should be read straight, that James is telling the truth about Paul, and that Genesis 12 and 17 still bind Jewish believers. Derek Rishmawy and Alastair Roberts push back hard, working through Galatians 2, 1 Corinthians 9, and the question of whether the law's force after Christ is divine command or Hookerian adiaphora — with the future of Jewish identity in the church in view. — Get the free ebook Spiritual Formation for the Family at http://mereorthodoxy.com/family. Mere Fidelity is a podcast from Mere Orthodoxy and is listener-supported. If you would like to support this work, become a Mere Orthodoxy Member today at http://mereorthodoxy.com/membership. Get 30% of the Baker Book of the Month, Keeping Kids Christian: Recovering A Biblical Vision For Lifelong Discipleship, by going to: http://bakerbookhouse.com/pages/mere-fidelity Apply for fall 2026 admission to Beeson Divinity School's MDiv (or M.Div., your choice) and be considered for a full-tuition scholarship: https://bit.ly/beesonscholarships — Chapters 00:00 - Welcome and the Disclaimer 01:00 - The Thesis: Paul Remained Torah-Observant 01:34 - Messianic Judaism and Paul Within Judaism 04:29 - Acts 21: Is Paul Lying or Walking the Law? 08:04 - Alastair's First Move: Affirming, Not Practicing 10:33 - A Law You Need Not Obey Is Not a Law 12:17 - Law as Covenant vs. Law as Instruction 15:34 - Circumcision as the Test Case 16:13 - Adiaphora, Hooker, and Binding Authority 17:40 - 1 Corinthians 9 Enters the Conversation 18:08 - The Halakhic Question: Should Elders Discipline? 21:11 - Acts 15 and Internally Differentiated Norms 23:13 - Alastair on Existing Authorities and Custom 26:36 - The Canonical Vision: Revelation 7 29:50 - Adiaphora's Sociological Problem 33:22 - Galatians 2: What Was Peter Doing? 38:18 - Permission vs. Prohibition 41:04 - Why Reduce Genesis 12–17 to Local Custom? 44:02 - Baptism, Circumcision, and Covenant Signs 47:55 - Does God Want Jews in the World? 50:10 - Providence and the Future Conversion 56:42 - One Body in Christ and the Complementarian Parallel 57:08 - Reinterpreting "Under the Law" 1:01:18 - Difference Without Division 1:04:13 - The Empirical Problem for Both Views 1:07:51 - Reading Our Situation Back into Paul 1:10:46 - Closing

Every family passes down either generational blessings or generational curses. If your family passed down generational curses to you, how do you beat them? Find out today.

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 Dominique Leonard. Founder of Jus' Free, a parole package provider. Here are some key highlights and themes from the conversation:

Steve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Ramon Vela sits down with Mahsa Vazin, PhD, Founder & CEO of PawCo, for a conversation that's as much about love and purpose as it is about pet nutrition.  Mahsa didn't set out to disrupt the pet food industry — she set out to take better care of her dog, Paco. What follows is a story of science, conviction, and a growing movement of pet parents who believe their dogs deserve a whole lot more than a bowl of kibble. * A founder story that starts with a dog named Paco. After her PhD in nanoscience and time as an early scientist at Impossible Foods, Mahsa couldn't find a single pet food she felt good about. PawCo was born from that search. * The next generation of pet food. Fresh, plant-based recipes formulated with probiotics, postbiotics, and targeted health toppers for gut health, joints, skin, coat, and heart, treating dogs the way health-conscious pet parents treat themselves. * Genius Dog: beyond food, into the bond. Launching in May with a NASDAQ Tower announcement, Genius Dog is a monthly subscription box built around the idea that dogs thrive when they experience new things. Popcorn. Champagne. Games. Things your dog can't find anywhere else. * Don't wait until you're ready. Mahsa's most hard-won lesson: launch before it's perfect, build a team that believes in the mission, and let the customer feedback shape what comes next. * Impact as the north star. From shelter donations to customers whose allergic dogs finally found food that works, Mahsa measures success one dog at a time. Join us in listening to this episode for a warm, genuine conversation about building a brand from the heart and why pet wellness is just getting started.  For more on PawCo, visit: https://www.mypawco.com/ For more on Genius Dog, visit: https://geniusdog.com/ If you enjoyed this episode, please leave The Story of a Brand Show a rating and review.  Plus, don't forget to follow us on Apple and Spotify.  Your support helps us bring you more content like this! * Today's Sponsors: Saral - The Influencer OS: https://www.getsaral.com/demo SARAL is the all-in-one influencer platform that finds brand-aligned creators, automates outreach, and manages everything in one place. Request a live demo today. Let the SARAL team know you're a The Story of a Brand Show podcast listener to get an extended free trial! Visit the link above. 

This is The Briefing, a daily analysis of news and events from a Christian worldview.On today's edition of The Briefing, Dr. Mohler discusses the speech and visit of King Charles III, the new indictment against James Comey, the much-deserved indictment of the SLPC, and a 91-year-old woman who was unresponsive for days only to be found playing video games.Part I (00:13 – 11:36)The King's Speech: King Charles III Makes State Visit to the U.S. and Delivers Message to a Joint Meeting of CongressPart II (11:36 – 15:59)A New Indictment Against Former FBI Director James Comey: The Investigation into James Comey Gets More Complicated … And InterestingTrump Administration Secures New Indictment Against Comey by The New York Times (Devlin Barrett and Tyler Pager)Part III (15:59 – 23:53)The Much-Deserved Indictment of the Southern Poverty Law Center: The Hateful and Hypocritical SLPC Charges for Funneling Money to Hate GroupsThe Southern Poverty Law Indictment by The Wall Street Journal (The Editorial Board)Part IV (23:53 – 25:56)A Parable of Our Age: A 91-Year-Old Woman Goes Unresponsive to Family for Days and Is Found In House Playing Video GamesSign up to receive The Briefing in your inbox every weekday morning.Follow Dr. Mohler:X | Instagram | Facebook | YouTubeFor more information on The Southern Baptist Theological Seminary, go to sbts.edu.For more information on Boyce College, just go to BoyceCollege.com.To write Dr. Mohler or submit a question for The Mailbox, go here.

A song, "I Want Jesus to Walk with Me," once carried hope through generations who believed a brighter future would come. Today, Nolong Bonner Bullock and Yahosh Bonner say they're living that future. In this episode, they open up about heritage, gratitude, and the responsibility of honoring those who came before them. 3:21- Writing a Book as a Family 5:53- Bucket List Experiences 9:28- African Heritage 11:22- The Weight of a Name 13:58- Sibling Dynamics 17:58- Spending Time With the Savior 21:01- Family Councils and Intentional Parenting 26:36- Unity in the Home 31:00- Gender, Race and Priesthood 37:16- The Next Generation 38:54- What Does It Mean To Be All In the Gospel of Jesus Christ?  "He's the end all, be all. He makes all the decisions. Everything makes sense through Him."  Links: Preorder the Bonners' new book here- https://www.deseretbook.com/product/PR00001659.html The Bonners in Kansas City- https://youtube.com/shorts/xx2BIniskQc?si=jtBf1hERgmhhVJiW The Bonners National Anthem at the NBA All-Star Game-https://m.youtube.com/watch?v=aJlm14WU4pw&pp=ygUeVGhlIGJvbm5lciBmYW1pbHkgbmJhIGFsbC1zdGFy&ra=m    The Bonners NBA All-Star Game recap- https://m.youtube.com/watch?v=PnCU8jUirSw&pp=ygUeVGhlIGJvbm5lciBmYW1pbHkgbmJhIGFsbC1zdGFy&ra=m

Dr. Kathy Koch wants to help parents adjust to a “new normal” when their children become adults. The relationship has changed, and parents of adult kids need to change their expectations, listen more and advise less, break free from codependency, and give these new adults space and freedom to become the people God made them to be. Receive a copy of Resolve Conflict and Find Peace and Hope with Adult Children and an audio download of "Finding Your New Normal in Relating to Your Adult Children" for your donation of any amount! Get More Episode Resources If you enjoyed listening to Focus on the Family with Jim Daly, please give us your feedback.

Antoinetta McKoy started a new chapter with her boyfriend Peter Moses, believing she was building a life with someone she could trust. But behind closed doors, there was a reality she never could have imagined—sister wives, cult mentality, and horrific violence was just scratching the surface. As the truth slowly came to light, it exposed a deeply disturbing dynamic that would end in tragedy. This is a case of deception, manipulation, and a situation far more sinister than it appeared. Get exclusive Killer Instinct content on my patreon : ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/killerinstinct⁠⁠⁠⁠ If you like the show, telling a friend about it would be helpful! You can text, email, Tweet, or send this link to a friend: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://bit.ly/KillerInstinctPod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Savannah on IG: ⁠⁠⁠@savannahbrymer⁠⁠⁠ Follow Savannah on Twitter: ⁠⁠⁠@savannahbrymer⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Strawberry Letter heard on The Steve Harvey Morning Show Wednesday, April 29th, 2026. Subject: "Her Family Is Banned"See omnystudio.com/listener for privacy information.

What does it really take to stay at the top for 16 years and still know who you are when it ends? Andrew Whitworth is a Super Bowl champion, four-time Pro Bowler, and the oldest left tackle in NFL history to start a Super Bowl. He spent 16 seasons protecting the most valuable position on the field, finished his career by winning a championship at 40, and walked off in one of the most viral moments in NFL Films history, sitting in a circle with his kids, telling them “that was daddy's last game.” In this conversation with Dr. Michael Gervais, Andrew pulls back the curtain on what made it all possible, and what almost broke him along the way.The first thing you notice about Andrew is the contradiction. 6'7", 345 pounds, built to dominate. And the engine underneath all of it is empathy. He explains how he prepared for opponents not by lifting more or running more, but by inhabiting them, studying their bodies until he could feel what they were going to do before they did it. “I'm going to study them to a point where we can dance together because I can actually feel everything they're going to try and accomplish before we do it,” he says. That is the offensive line position rendered as jazz. But this conversation goes a lot deeper than craft. Andrew is candid about the anxiety, self-doubt, and self-punishment that shadowed much of his career. He talks about walking home alone in the dark after college games to punish himself for mistakes, about needing to watch tape of the all-time greats failing just to feel okay running out of the tunnel, and about how Sean McVay eventually helped him believe he was “worthy of the light.” He also shares what Nick Saban taught him about process, what Marvin Lewis taught him about consistency, and what fatherhood taught him about everything. In this conversation, we explore:Why empathy, not size or strength, was Andrew's greatest competitive advantageHow to study an opponent so deeply you can feel their next move before they make itWhy mastery of self always has to come before mastery of craftHow to hold people accountable in a way that builds rather than breaksWhy vulnerability comes before trust, not the other way aroundWhat changed about how Andrew competed once he became a fatherWhy telling someone what you see in them may be more powerful than telling them you believe in them Andrew's story is a reminder that empathy can be one of the most powerful tools on the path to mastery. And that the greatest thing you leave with anyone is how you made them feel._____________________________________________________Links & ResourcesSubscribe to our Youtube Channel for more conversations at the intersection of high performance, leadership, and wellbeing: https://www.youtube.com/c/FindingMasteryGet exclusive discounts and support our amazing sponsors! Go to: https://findingmastery.com/sponsors/Subscribe to the Finding Mastery newsletter for weekly high performance insights: https://www.findingmastery.com/newsletter Download Dr. Mike's Morning Mindset Routine: findingmastery.com/morningmindset Follow on YouTube, Instagram, LinkedIn, and XSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Have you ever had a conversation with a loved one go in a completely different direction than what you saw coming? Your intention was there, but the way your loved one received it was nothing in the way you intended it?  Our good friend, Jason VanRuler, started to see this pattern in many of the people he had come into therapy. Conversations between people -- where everything was at stake -- and the intentions were there, but someone inevitably walked away feeling hurt, unseen, or even abandoning the relationship altogether. What one person meant isn't what the other person heard. So Jason asked himself, “Why does it sometimes land well, and other times not?”The more research he did, the more he learned predictable patterns that led to 5 primary communication types: Peace, Advocate, Thinking, Harbor, and Spark. Each one with a strength and each one with an opportunity. Not only that, each person has their own primary and secondary type. In this episode, Jason unveils each type, how we develop our own, and how we can better understand how our spouse, kids, and loved ones communicate with us. We get into marital dynamics and why we usually marry someone with similar secondary type, but the trouble that can arise when we realize we don't have the same primary one. We also talk about how knowing the types can help us communicate at a deeper level with our kids. Time Stamps: 0:00 Introduction 1:18 Jason VanRuler joins the show!4:34 Why these communication types matters 6:00 Jason introduces the 5 PATHS of communication11:16 Where our personal communication style comes from 14:05 Strengths and weaknesses of each communication type 20:20 The communication types in our children and how we give what we didn't get25:05 How different communication types serve us in marriage Show Notes: Get Jason's new book Discovering Your Communication Type: The 5 Paths to Deeper Connections and Stronger Relationships: https://amzn.to/4sZzbwc Check out Jason's website: www.jasonvr.comReserve your seat for Tender & Fierce Fall Cohort beginning August 17, 2026: https://www.famousathome.com/offers/V75F6bY2Looking for a marriage intensive with Famous at Home? Apply now.  https://www.famousathome.com/coaching Men, sign up for the Living Legacy Cohort:https://www.famousathome.com/menscoaching Sign up for our email list and Famous at Home Starter Bundle: https://www.famousathome.com/newsletter Download NONAH's single Find My Way Home by clicking here: https://bellpartners.ffm.to/findmywayhome

When you first put your faith in Jesus, there was no doubt a passion in your eyes. You wanted everyone to know the hope that you had found. But as the years go on and life gets in the way, that light may have begun to left your eyes. Kim Meeder uses her powerful storytelling to re-ignite your passion for your Creator. She gives you ideas for embracing freedom, love, and true joy, in order to start a revival in your heart that spreads to all of those around you. Receive Revival Rising and an audio download of "Reigniting Your Passion for Jesus" for your donation of any amount! Get More Episode Resources If you enjoyed listening to Focus on the Family with Jim Daly, please give us your feedback.

>Get Jocko Underground Full Episodes< Would Jocko Do An MMA fight? When you should and shouldn't get a dog. Getting a hold of a haphazard schedule and staying on the path. What to do if you think you have a good leader, but a bad team. Career opportunity VS family needs.Support this podcast at — https://redcircle.com/jocko-podcast/exclusive-content