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Tesla's Optimus Gen 3, a humanoid robot designed to revolutionize labor through advanced AI and proprietary hardware. These reports highlight technical breakthroughs such as a unified neural network, 22-degree-of-freedom hands for extreme dexterity, and an autonomous charging system that ensures 24/7 operational uptime. While Tesla has deployed over 1,000 units internally for factory tasks, the documents also compare Optimus to competitors like Agility Robotics' Digit and the Unitree G1, which currently lead in commercial availability. Financially, Tesla is reallocating over $20 billion toward robotics despite fluctuating EV demand and recent executive turnover. Ultimately, the materials present a future where mass-produced robots handle dangerous or repetitive work, potentially creating a multi-trillion-dollar economy by 2030.
You're saving. You’re investing. You’re working towards your financial goals..... and yet somehow you’re still stuck in the exact same place? This week’s Friday Drinks is all about that weird financial headspace where you technically know you’re doing the right things, but it doesn’t feel like progress, because you've got so many goals you're working towards. We talk about why that feeling is way more common than you think, and the simple shift that can help you actually see the momentum you’ve already built. Then we get into a career debate that a lot of you will have opinions on. A community member is six months into a job that’s seriously affecting their mental health and keeps hearing the same advice from older generations: never leave before 12 months. But is that actually still true in today’s job market… or are we holding ourselves to rules that don’t really apply anymore? Plus we've got all your fave money wins and broke tips,Friday fun to start the weekend right. WANT OUR NETWORTH TRACKER: It's part of our Investing Masterclass here. MORE CAREER EPISODES: Our How to Build a Successful Career podcast playist NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289See omnystudio.com/listener for privacy information.
Inflation and unemployment in America are low, but many people are still feeling the pain of a tough economy. At a forum at the National World War I Museum and Memorial, panelists discussed what's leading to high prices, and how a “K-shaped” economy explains the disconnect.
King Jewelz shares a personal, practical blueprint for family readiness—from the crucial estate planning talks to the overlooked details that could cost you later. You'll discover why having honest conversations about wills, healthcare proxies, and how early planning can prevent devastating emergencies, avoid family conflicts, and keep your loved ones independent longer. In this episode:The importance of early estate planning conversations with parentsHow to assess and support your parents' physical and mental health needsKey documents every adult child should have: wills, power of attorney, living willsThe role of long-term care insurance and when to consider itPractical safety upgrades for elderly living spacesBalancing self-care while caring for othersThe benefits of multi-generational households and community involvementHow to start gathering photos and documents for final arrangementsFollow host King Jewelz as he interviews financial influencers and entrepreneurs on financial education and budget tips to help singles and married couples break cycles of living paycheck-to-paycheck, so they can begin a new legacy of financial freedom for future generations.Today's episode has been sponsored by: Join our debt freedom community of singles and married couples who are achieving financial freedom by "smart tracking" their finances monthly. You can become one of our "Smart Jewelz" by subscribing and registering for our Smart Financial Jewelz program today! Smart Financial Jewelzhttps://www.smartjewelzenterprises.org/financial-freedom-begins-nowSmart Jewelz Network Join our network for entrepreneurs, professionals and content creators to go on customized creator retreats, summits and trips along with checking out our media essential services with the link in the belowhttps://www.smartjewelzenterprises.org/start-podcast-now Today's episode has been powered by: StreamYard
Join us for a real and fun conversation about the transition from a full house to an empty nest. We share our personal experiences launching our daughters, covering everything from the importance of financial transparency to the practical skills every young adult needs. We discuss the anxieties kids face, the temptation for parents to shelter them, and the power of letting them put what you've taught them into practice. Discover how to build a strong foundation of budgeting, saving, and responsibility that empowers your kids to confidently step into their future. You don't want to miss it! When it happens: [03:01] Building the Foundation: Why preparing your kids for the real world is a marathon, not a sprint. [10:01] Money Talks & Roth IRAs: Diving into the financial tools—from budgeting to retirement—that will set them up for life. [30:01] Manning Up vs. Stepping Up: A candid look at the different expectations we have for sons and daughters. [40:01] Make It Worth It: The Emergency Fund Power Play: A game-changing tip to help your kids build a real financial safety net before they even leave home. [45:15] Final Thoughts & Future Wins: The lifelong impact of open communication and intentional parenting. This one's for you, the parents of teens and young adults on the brink of independence! If you're wondering how to turn conversations about money from awkward to awesome and want to give your kids a launchpad for success (without them boomeranging back to your basement), you've come to the right place. Let's get them ready to soar! This Podcast is sponsored by American Heritage Credit Union. To learn more and open an account go to: www.AHCU.co/ForBetterandWorth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
I recently had a long conversation with a very successful professional. He's 58 years old. Highly educated. Respected in his field. Financially sophisticated — in fact, his job depends on understanding money. If you looked at his résumé, you would assume he was completely set for life. He wasn't. A couple of bad investments. Some concentration risk. A few decisions that looked reasonable at the time. And suddenly he's essentially back at ground zero — trying to start a new business at 58. This story is far more common than people realize. The Dangerous Assumption is that many successful professionals assume they'll be fine. Doctors. Lawyers. Executives. Entrepreneurs. They make high incomes. They understand finance. They know about markets and interest rates and diversification. They focus on their career. They focus on income. They even focus on investing. What they don't focus on is their own financial future with the same intensity they focus on their profession. There's a difference. Being financially literate is not the same thing as being financially intentional. Especially when you assume you always have more time. The Good News at 58 is that he still has time. A lot of time. For entrepreneurs especially, it doesn't take 25 years to rebuild. It can take five. There's a quote often attributed to Bill Gates: “Most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five.” That quote is brutally accurate. In one year, starting a business feels overwhelming. Progress feels slow. Revenue is inconsistent. Doubt creeps in. But five years? Five years of focused effort, smart strategy, capital discipline, and experience compounded? That can change your entire financial trajectory. I've Seen This Movie Before. I have a very good friend who was worth over $40 million in his early 30s during the real estate boom. Then 2008 happened. The real estate debacle didn't just dent him — it wiped him out. For years, he struggled. Pride gone. Lifestyle reset. Just trying to survive. Most people would have mentally retired at that point. They would have blamed the market, blamed the system, blamed bad luck. But about six or seven years ago, he found his rhythm again. New strategy. New focus. New discipline. Today, he's worth over $60 million. I get that's not normal. But it proves something important. It Doesn't Take a Lifetime. The examples I just gave are extreme. Most people don't lose $40 million. Most people aren't rebuilding at 58. But the principle is universal: It doesn't take a lifetime to secure your future. It takes a focused season. A defined period where you are intensely clear about your objective. A stretch where: • You work harder than you're comfortable with • You manage risk better than you used to • You stop assuming income equals security • You align your decisions with a specific financial target for the future There's another quote I love: “The harder you work, the luckier you get.” Luck isn't random. It compounds around preparation, visibility, and persistence. When you are laser-focused on a financial goal, you start seeing opportunities others miss. You make better introductions. You ask sharper questions. You move faster when something makes sense. And over time, it looks like “luck.” The story of the 58-year-old professional isn't a warning about markets. It's a warning about complacency. Success in your profession does not automatically translate into security in your future. Income is not wealth. Financial literacy is not financial strategy. And intelligence does not eliminate risk. But here's the good news. If you're in your 40s or 50s and feel behind — you're not done. If you made a bad investment — you're not finished. If you took a hit — that's not your final chapter. You may just be at the beginning of your five-year season. The key is focus. Direct yourself to a destination you can visualize. That's the only way you will get there. Because in the end, securing your future rarely requires a lifetime of perfection. It requires a concentrated period of intensity. And the sooner you decide to enter that season — the sooner your next five years will start compounding in your favor. There is no one who knows this reality more than this week's guest on Wealth Formula, Rod Khleif . Watch on YouTube: https://www.youtube.com/watch?v=qogQNGbK9wk Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/549-youre-successful-until-youre-not-with-rod-khleif/id718416620?i=1000753860685 Listen on Spotify: https://open.spotify.com/episode/7mTzyRJxjnkeiVFGCXfOni Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com. welcome everybody. This is Buck Joffrey with Dwell Formula Podcast. Coming to you from Montecito, California, I wanna remind you that there is a website associated with this podcast called wealthformula.com. That’s where you go if you wanna. Become, uh, more, uh, involved with this community, including our accredited investor club, AKA investor club, uh, very easy to join. It’s free. All you do is you get onboarded and you see lots of, uh, potential deal flow that you wouldn’t otherwise see again, that is wealthformula.com. Simply click on investor club and get onboarded. Now, as for today’s show, I had a, uh, a long conversation with a very successful professional, recently 58, highly educated, respected, financially sophisticated, in fact, in the money business. Uh, and if you look at his resume, you would assume he was completely set for life, but he wasn’t. A couple of bad investments, some concentration risk. A few decisions that looked reasonable at the time, and suddenly he’s back pretty much to ground zero trying to figure out what to do, and he’s thinking about starting a new business or maybe buying a business. Well, that got me thinking because the reality is this story is far more common than people realize, and I actually hear it fair amount. Right? Many successful professionals assume they’re gonna be fine. Doctors, lawyers, executives, entrepreneurs, making high incomes. Maybe they understand finance, they know about markets, interest rates and diversification in theory. But here’s the trap. You focus on your career. You focus on income. What they don’t focus on is their own financial future with the same intensity. They focus on the profession, and that’s. The difference, right? The issue is that being financially literate is not the same thing as being financially intentional. Now, I actually hate that word because it’s a very, uh, uh, neo agey word intentional. But in this case, I will use it because that it’s very, it’s very appropriate. But here’s the good news, even at 58, right, you still have time. You have a lot of time for, especially for entrepreneurs, it doesn’t take 25 years to rebuild. It can take five. And there’s this quote, um, it’s often attributed to Bill Gates, who, who’s been in the news lately for a lot of other stuff, but this is a good quote. He says, most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five. And that quote is so true. I will, it’s incredibly powerful and it’s very, very useful to think about and. Put in the back of your mind because in a year, like you’re saying, you’re starting a business, it’s gonna feel overwhelming. You may lose money, you know, slow progress, revenue, inconsistent five years, you know, with focused effort and you know, good strategy and discipline. The financial trajectory of your life could completely change over that five years. In fact, I will say that with my first business that I ever started, that is absolutely what happened. I was just pretty much outta residency, didn’t have any money, and within five years I was rocking and rolling. You know, it was a, it was, you know, it wasn’t worth, you know, hundreds of millions of dollars. But I, I, I was, I was doing way better. If you look over five years, it’s an incredible trajectory. And it’s not just me. I mean, there’s guys who’ve done it more extreme ways. I talk about this friend, a lot of times he was worth like 30 or $40 million in his early thirties, and then 2008 happened. It didn’t just kinda dent him, it wiped him out, and for years he struggled. Lifestyle kind of reset a little bit, just trying to survive. You know, there’s this saying in business that the key to su success in business is to stick around long enough until you get lucky again. Well, sometimes that’s true. And a lot of people might have, uh, kind of mentally retired at that point. But the reality is he stuck with it. He rebuilt about six or seven years. He was kind of sideways, then another six or seven years, new focus, new discipline, and today worth 60 million bucks. Now, that’s not normal, right? But it does provide, uh, it does, it does kind of provide an important point. It doesn’t take a lifetime always. Now most people don’t lose $40 million, and most people aren’t rebuilding necessarily from zero at 58, but the principle really is universal. It doesn’t take a lifetime to secure your future. It takes a focus season to find period where you’re intensely clear about your objective. It’s a stretch where you work harder than you’re comfortable with, and maybe it’s not fun to do that in your fifties or sixties. You manage risk better than you used to. You stop assuming income equals security. You align your decisions with a specific financial target. You know what, there’s a another line I love, another quote, and I don’t know where this one comes. I, I, I think it was some hockey coach of mine way back. It’s that the harder you work, the luckier you get. The thing is that luck isn’t random, right? It compounds. Around preparation and visibility and persistence. And when you’re laser focused on a financial goal, you’re gonna start seeing opportunities that are out there that others might miss. You’re gonna make, you know, better introductions, ask sharp questions. You move faster when something makes sense, and over time it starts to look like luck. I think the real lesson, um, about the situation that people get into, like this person I was talking about is. That it, it’s not a warning about markets per se, although markets have a lot to do with it. It’s a warning about complacency. You know, success in your profession does not automatically translate into security in your future. You know, income as you know, is not really wealth and financial literacy is not financial strategy. Although literacy is really, really important. You gotta have a strategy. And you can be really, really smart and not eliminate, you know, or mitigate risk enough. So if you’re in your forties or fifties and feel behind, you’re not done. Okay? You made a bad investment, you’re not finished. If you took a hit, I’ve taken plenty of heads, especially the last few years. It’s not your final chapter. You may just be looking at the beginning of your next five year season. And the key is focus clear goals, define targets, discipline, action. The sooner you decide to enter that season, the sooner your next five years will start compounding in your favor. Man, I gotta tell you, this is a, an ongoing story I hear a lot about, so again, think about that Bill Gates quote, you, you know, people tend to way overestimate what they can do in a year. Grossly underestimate what they could do in five. Anyway. There’s no one who knows this better than my guest on this week’s Wealth Formula podcast. Rod Cleef. Many of you already know him. We’ll have that conversation right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account as your money accumulates. You borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investment. Get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit wealthformulabanking.com. Again, that’s wealthformulabanking.com. Welcome back to the show everyone. Today my guest on Wealth Formula podcast is Rod Thief. He’s a real estate investor, author, and mentor with decades of experience in multifamily investing. Uh, he’s built and sold hundreds of millions, uh, in, in apartment assets and teaches thousands of investors through coaching masterclasses and his life. Uh, lifetime Cash Flow Academy. Uh, rod, how you doing? Good, brother. Good to see you, my friend. Let’s review, but you know a little bit about you, your background. Sure. You know, uh, sure. We have an interesting story. Okay, well I’m a Dutch immigrant, you know, think wooden shoes and windmills. I immigrated to this country, uh, when I was six years old with my brother Albert, my mother’s cia. Um, and we ended up in Denver, Colorado. Uh, struggled initially. Really struggled actually. And, and I remember, uh, wearing hand me down clothes all the way through junior high school until I finally lied about my age when I was 14 ’cause I was tall and said I was 15 so I could flip burgers at Burger King. You know, and I’m sure you’ve got listeners that had it harder than I did, but I knew I wanted more. And luckily my mom had an incredible work ethic and so she babysat kids so we’d have enough money to eat. And with her babysitting money, she was an entrepreneur and invested in real estate. Um, and her first real estate acquisition was the house right across the street from us. When I was 14, she paid about $30,000. And then when I was 17, she told me she’d made $20,000 in her sleep. It had gone up in value. And I’m like, what? Forget college. I’m getting into real estate. So I. Went and got my real estate broker’s license right when I turned 18, which you could do back then with education. Now they got, they got smart you, they need some, you need some experience. But, uh, I was a broker. I was smart enough to go work for a broker. But, um, you know, my first year in real estate I made about eight grand. My second year, maybe 10 grand, but my third year I made over a hundred thousand dollars, which back in 1980 was some pretty decent money. And so what happened between year two and year three? Uh, the 10 x my income was what? What happens? I met a, a guy, he was a broker. I was working for actually, it taught me about the importance of mindset and psychology and how really 80 to 90% of your success in anything is just that your mindset and psychology. So fast forward to today, I’ve, I’ve owned over 2000 houses that I’ve rented long term. I own thousands of apartments now, and I’m also buying senior housing now, which I’m excited about. And you know, in 2006, my net worth went up $17 million while I slept. And you might say, wow. I said, wow, I got a head so big I could barely fit it through a door. And I thought I was a real estate God. And you know, when that happens, God of the universe will give you a nice little SmackDown. Well, that was 2008. I conservatively lost $50 million in 2008 and nine. What I’m known for talking about on my podcast, which I’m blessed to say at this point’s, the largest, uh, commercial real estate podcast really in the world at this point is, and, and the reason being is I spend time talking about mindset. You know, people don’t remember what you said, but they remember how you make him feel. And I do little clips every week called Own Your Power, their motivational clips. And, and I think that’s the reason it’s been so well received. But, uh, you know, I’m known for talking about the. Mindset it took to have 50 million to lose in the first place. And you know, maybe more importantly, the mindset it took to recover from losing it. But, uh, you know, I’d love to, we can chat about that if you like, or I’d love to talk about the state. Yeah. Whatever you It’s a, it’s, I think it’s appropriate to talk about that right now, rod. I mean, I think Okay. You know, in this, in this market with what we had, you know, um, you know, there’s been a, there’s been a lot of pain in multifamily and Yeah. You know, it’s, you know, you and I have talked about this before where. Part of success is, is trying to recognize particular situations. Um, you know, you talk about Warren Buffet and how Warren Buffet says be greedy, when others are fearful and all that, that’s great, but it’s really hard to do. Right? And so help us understand like, sure. You know, uh, how, how do you, how do you do that? Sure. How did you go and how bad did it get? Well, I lost 50 million. I lost $50 million, so it got pretty freaking bad. Okay. I call ’em seminars. That was an expensive seminar. Yeah. Yeah. And very little, uh, so it was, it was ugly. It was ugly, but. It was, it’s, I, I’ll be, I’ll be candid. The strategies I’ll share very briefly here, the strategies, I’ll share the same strategies you would use to get started. Okay. You know, if, if you know you need to do something, and we talked about this, uh, uh, before we started recording, you know, the. With ai, a lot of jobs are going away. You know, if you heard of Elon Musk on, on Joe Rogan’s last epi episode, or the last interview he did with Joe Rogan, you know, he said any job in front of a computer is pretty much gonna be gone like lightning, like a year or two. I mean that fast. It’s crazy. And so, you know, and even, you know, surgeons are, are, are, are gonna be replaced by robotics and, and on and on and you know, and I think there’s gonna be it professionals, uh, you know, there’s gonna be a lot of. Pain for the people that don’t proactively, you know, reinvent themselves, start thinking about what they’re gonna do to reinvent themselves. Maybe it’s an ai, maybe you’ll learn ai, but, but you better think about it now or if you’re in one of these positions. So when the shoe drops, you’re ready because. Uh, there’s a lot of opportunity. I mean, there’s 10,000 people a day turning 65 in this country. You could buy businesses, um, you know, uh, I’m in, I’m, I’m excited about senior housing. They need beds, you know, and, and there’s a huge shortage of beds, but, so there’s a lot of opportunity, but you better pick something if you’re in one of these fields and get busy starting to study it and learn it, and do it on the side so that when the shoe drops, you’re ready. That’s, I don’t wanna scare you, but I just wanna open your eyes. To that fact. But so how, how I recovered from losing $50 million again, is the same strategy I would tell you to use to get started. And it’s first thing, it starts with goals. You gotta figure out what it is you want. ’cause how do you get anything if you don’t know what it is? Because with the goals you create a burning desire or a hunger and you’ve gotta have that to push through fear and limiting beliefs and so on and so forth. And, um. You know, I, I, that’s, if you come to one of my bootcamps, I do a virtual bootcamp every couple of months. It’s two days. I don’t sell anything there. And I’ll tell you later how you can come for 47 bucks. So it’s no excuse. But, but the first thing we do is goal setting on steroids, uh, because you’ve got, again, you’ve gotta create that hunger. Now, I’ll, I’ll say this to you, if you have no interest in, in, uh, learning what I teach. At my link tree, I did my goal setting workshop. It’s an hour. There’s a guide you can download if you go to rodslinks.com or text the word links if you’re driving, uh, to 7, 2, 3, 4, 5 at the bottom. My, is my goal setting workshop. And you know, here’s the thing, buck, people spend more time planning a freaking birthday party than they do designing their lives. Doing your goals is designing your life. So you know, if, if, uh, if you haven’t done ’em in a while, go to Rods, links, go at the bottom. There’s my workshop, there’s a guide. You can download ’em. Not gonna try to sell you anything. Spend an hour with me. Have your spouse do it. Have your kids do it if they’re over 10 years old, and design their lives. So again, it starts with goals. So that’s the first thing I did was reassociate with my goals. Then the second piece is you gotta make a decision. And I don’t mean dip your toe in the water. I don’t mean one foot in, one foot out. I mean, you decide it’s done. Okay. The Latin root for the word decision means to cut off. If you’re gonna attack the island, you burn your ships ’cause you’re taking their ships home. That’s a decision. And, and that’s what I did. I said, okay, enough, quit feeling sorry for yourself. Pick yourself up and go make something happen. And that’s, that’s what I did back then when I lost everything. But it’s the same thing again. If you’re, if you’re in a job and you’re. You’re just not where you want to be. So we make that decision and then you gotta take the first step, uh, you know, buck. And that’s, that’s pretty much it. You know, Dr. Martin Luther King said, you take that first step in faith, the next step will be revealed. And you know, LA Sue said the journey of a thousand miles begins with a single step. But, you know, in our business and, and, and the investors that we deal with and, and the, you know. Uh, active investors and, and, and passive both, as many of ’em are very analytical and you know who you are. If that’s you and I love you, you’re some of the most successful students that I have and successful people in our businesses. However, I also know how you have to check off every single box before you make a move, and you can’t do that here. Okay? You’ve got to, you’ve got to recognize that you’ve gotta have enough faith. To get started, you know, you can go all the way across the United States at night with your headlight only seeing 50 feet in front of you. And, you know, you can make it, you know, other people have done it before you, you know, there’s a, there’s a, there’s a, a road. And, uh, it’s the same way. You may have some obstacles, but, uh, it’s the same way with this business or really any business. But you, you, you’ve got to take that first step. And, you know, a, a lot of people fear failure, and I’m gonna tell you, don’t fear failure. Fear being in the same place you are right now, a year or two from now, unless you absolutely freak. Love where you are right now. Fear, fear, regret. That’s what I would fear if I were you. I, I, there was this nurse in Australia, a hospice nurse, uh, and her name was Bronny Ware. She asked patients when, who were about to die, if they had any regrets, and she wrote a book about it as a national bestseller. Something like The Five Regrets of Dying. You know what the number on regret was? It was Living the, not Living the Life I could have lived living someone else’s life, not doing what I know. I’m capable of fear that don’t fear failure, you know? Well, the next piece is fear and limiting beliefs. So fear, you know, every successful person have has fear. Now we, we, we, entrepreneurs call it stress, but it’s fear. And, you know, action mitigates fear. You wanna mitigate fear, take action. Go do something. If I’m, if I’m laying in bed at night, it’s three in the clock in the freaking morning and something stresses me out again, stress is fear. That’s what we achievers call stress. Uh, it’s fear. Uh, and, and, um. If something wakes me up and I’m stressed about it, I literally will get outta bed and just go write down some notes. I used to have a pen with an electrical pen that drove my ex-wife crazy and I’d, I’d write notes sometimes fill up pages of notes in bed so that I’m taking some action so I can go back to sleep. So there’s a, there’s a very simple example of it, but anytime that I am fearful about something, I take massive action towards it. Just, just taking steps, doing things. That will mitigate it. And it’s just how it works. So, I mean, it’s, it’s, it’s as simple as that buck. I mean, you just have to do some things. Towards that fear now. Now, the other thing is, if you don’t take action, the fear expands. So that’s the, uh, uh, that’s the antithesis there. So, so you, you need to take action because that’ll, that’ll mitigate it. The, the next piece really is limiting beliefs. You know, when I immigrated this country, I didn’t speak English. I got thrown into school, found out what bullies were for the first time. So I got my butt kicked occasionally, hadn’t learned how to fight back, and then my mom, this is the prop, sent me to school in these wooden shoes. And these are the actual wooden shoes. We found them. When we put her in senior house, senior living in, and these leather shorts, the Germans wear for October Fest, I had to wear that to school. And of course that was crack cocaine for the fricking bully. So I got my ass kicked again. And don’t wooden shoes, rod Or, or those, yeah. Yeah. Wooden shoes. Wooden shoes. Yeah. These are from Holland, man. That’s where I was born. Yeah. My mom. Proud Dutch woman. Yeah. This is, they’re wood. They’re real wood. The farmers still wear these things, uh, ’cause they’re good to go through mud, but they’re crack cocaine for bullies. Okay? And so, yeah, you know, uh, I, I, I got my butt kicked again and, and I came up with this belief system that I wasn’t good enough. I used to ask myself, how can I show them I’m good enough? And a lot of people have these limiting belief systems. I’m not good enough. I’m not courageous enough. I’m not strong enough. I’m not old enough. I’m not young enough. Here’s the thing to remember. There’s a reason the acronym for Belief Systems is BS because 99% of them are bs, but we believe they’re real. I mean, I used to be afraid to raise my hand in front of 10 kids in a classroom, and because of fear of rejection, now I speak in front of thousands of people a year, usually in flip-flops. Okay, so you know, you can mitigate this. So if you’re aware of one of these. Limiting beliefs, BS belief systems, drag it out into the daylight. Look at it with your adult rational mind. You’ll recognize that it’s BS and it will dissipate. But you gotta, you gotta think about it consciously and it’ll, it’ll go away. Um, the, the next piece is focus. Um, you know, focus really is power and whatever we focus on gets bigger, both positive or negative. Okay? So it’s very important that you focus on what you want, not what you don’t want. I’ll get, people call me and say, how do I get outta my student loan debt? I’m like, wrong question. How do you make so much money? The debt’s irrelevant, is the question you need to be asking. They asked Mother Theresa if she was anti-war. She said, no, I’m pro peace. I mean, you get it, right? And, and so, and in fact, I’ll give you another example. So I, I, my podcast is over, I believe, over 30 million downloads, which doesn’t sound like a lot in our social media world, but in, in the podcasting space, it’s not bad. But I listened to two podcasts, Joe Rogan and Tim Ferris. I try to get both sides of the aisle. I’m definitely on, on one side. Uh, but, but, um. They get, and the reason I bring that up is they get about 30 million a week, you know, but that big podcast. But, but, um, on, on Tim Ferriss’ show, he interviews the best of the best in the world. You know, the best athletes like Michael Phelps, NFL players and NFL players, NBA players, actors like Hugh Jackman, ed Norton, Jamie Fox, Arnold billionaires like Ray Dalio, heads of the biggest companies on the planet like Zuckerberg. And he deconstructs their success. It’s very intelligent conversation. I mean, I, I love listening to it. I started to hear a pattern, uh, they almost all meditate. What does meditation enhance? Focus, right? So focus is a really important piece of, of, of success. And just a couple more. One is playing, the next one is playing to your strengths. You know, when, when you, when you go to reinvent yourself or if you’re struggling, you know, or, or gonna start something. Play to your strengths and hire a align or partner for your weaknesses. Like in our world, you know, there’s lots of different hats you can wear. It’s a team sport. You could be the person that finds the deals and analyzes them. If you’re analytical, you could be the mouthpiece like me or you, and you’re, you know, raising money, talking to brokers and, and getting the word out. You could be the. You know, the um, asset manager, if you’ve got some project management experience, construction experience, there’s lots of different hats you can wear, but you wanna play to your strengths. Your strengths are your greatest assets. Don’t try to maximize your fears. You’re gonna get much further. Like I said, if you hire aligner partner for your weaknesses, you know, some of the most successful. Um, partnerships I see in the business are an analytical, introverted person with an extroverted, outgoing person. I mean, that’s a match made in heaven in our business. ’cause our business is primarily empirical. You ask the right questions, uh, and, and you get the numbers right. You know, it’s kind of hard to make a big mistake. Um, and so. You know, just make sure you’re playing to your strengths and when you’re playing to your strengths, you’re gonna have passion and passion’s required to influence people. Right? ’cause you love what you do, so you’re passionate about it. So again, real heavy duty argument to play to your strengths. Yeah, I think the last piece, the last piece is, is peer group. Um, you know, who you hang out with is who you become. You’ve heard it, you’ve heard it before. So if you’re gonna get into something, get around people that are doing it. Like my Warrior Coaching program, I’m, I’m gonna brag. I, I, like I said, they own 300,000 multifamily units that we know of. I’m, I, it’s, we’re counting, uh, we know it’s close to 300,000. We’re at like 275,000 or something. I know there’s a lot we’re missing. And, you know, tons of senior housing, tons of self storage, tons of industrial flex space, um, retail mixed use, you name it. Uh, mobile home parks, and. Almost all of those deals were done between warriors, between my students. So you know, ha, who you hang out with is who you become. You know, if you show me your three best friends, I’ll show you who you are in your relationships, your happiness, your health, and definitely your finances. But see, so many people default to a peer group they went to school with or they work with, and those people with their own fears or limiting beliefs might hold you back, you know, afraid of losing you, afraid of feeling less than if you succeed. And sometimes it’s family. I’m gonna tell you, love your family, but proactively choose your peers. Right? You know, and when I was losing everything in 2008 and oh nine, I was in Tony Robbins Platinum Partnership and there were people there that were killing it in that crash, uh, you know, thriving. And they’re like, get up, you puss. 50 million Schmill. Go make something happen. That’s who you wanna be around, not only while you’re building, but certainly when the proverbial stuff hits the fan, right? Uh, so anyway. I, that those are, those are some of the big pieces. Yeah. Well, that, I mean, that’s, let, let’s talk a little bit about the, the business that you’re in. Um, you know, you’re, you’re heavily involved with real estate. Obviously these, uh, mindset things are a great place to start. Now you go out there, let’s talk about where the market actually is and what you’re seeing in this market right now. Does your represent opportunity to you? There’s a ton of opportunity because there’s a ton of people in trouble, sadly. Right. Okay. A lot, a lot of people got adjustable bridge debt. You know, these rates have gone through the moon. I’ll give you a small example. We were looking at a small asset in San Antonio where I’ve got some assets and I. And there, the lender reserve payment that this guy had to pay to prepare for a refinance went from 8,000 a month to 80,000 a month. Do you think that’s painful? Right. And you know, and, and when you’ve got a multi tens of millions of dollar loan on a property and the interest rates adjust several points, you’re done. And, and so that’s just on the interest rate piece. Uh, mentioning my SEC attorney had six foreclosures in one day, apartment complexes, uh, clients, new clients that came to him, he told me like three weeks ago. So who knows how many since then. But you know, there’s a lot of deals and trouble and it’s sad. It’s very sad. But, uh, that’s just one piece is the loans. Uh, the expenses have gone through the thick and roof. I mean, I’ve got maintenance supervisor that’s making $40 an hour at this point, which is crazy. Uh, you know, I, I teach at my bootcamps. Uh, I used to teach a 50% expense ratio. That’s what you want to have. Now I teach 60% ’cause they’ve gone up that much. And so, you know, there’s a lot of pain in the market. But with crisis comes opportunity. There’s incredible deals. I’ve got a a, a 200 unit asset in San Antonio. Um. That is on a lake, and right next door is a 300 unit, 300 plus unit asset. Um, it’s sold the 300 units sold for 43 million in 21 or 22. It’s, it’s with the bank, it’s down to 28 million now. And I’m not even interested unless it gets to 24, unless the rates drop significantly. And so 43 to 24. So that’s what’s out there right now. And di I think you just bought a, a deal at like a 40% discount, didn’t you? Yeah. Yeah. Yeah. And here’s the thing, which is what I wanted to get into as well, and I I just bring, bring people’s attention to it, is that these times in history don’t happen that frequently. Right? Right. And it, and it’s interesting what the, the last multiple, uh, opportunities we’ve, we’ve, we’ve capitalized on, they have been all these situations where it’s a debt problem, right? It’s, it’s an asset that’s performing fine. But someone’s got a month, uh, to go and they just need to get out. They’re gonna lose all their equity, their debts due. Um, yeah, their debts do, there’s like this, this wall of debt, like, I think it’s like a trillion dollars of debt due by the end of this year. So what we’re seeing is, you know, the last several opportunities, 30 to 40% discounts on basis, uh, compared to just two or three years ago. And I think the challenges for investors is that like. In the background, those of us who’ve been through the pain are still feeling the pain and you feel very gun shy about it, right? Yeah. Yeah. Um, and you also start thinking, well, 30 to 40% discounts. Uh, you know, this, this is, this sounds very scary, but in, in reality, I, I’m trying to get people to understand that, that those discounts only last for so long, right? I mean, that if you look at like the, the debt. That’s out there. Most of that really bad debt washes away at the end of this year. At 2026. Yeah. After that, like those 30 to 40% discounts that like people are hearing so often, they’re not gonna be there anymore. No, that’s, and what I, and what I hate to see is people wait two or three years from now and all of a sudden there’s a frothy market and everybody’s jumping on the bwa. ’cause that’s what they always do. That’s not, you wanna be a net seller in that market. That’s right. And, and you know, it’s like you mentioned Warren Buffet’s famous quote, be greedy when others are fearful and fearful when they’re greedy. And, and so right now they’re fearful, which is making harder to raise money. And I’m, I’m having the same conversations. It’s like, Hey, if there was ever a time, it’s right now and now. Now the key, now the key. Differentiator or key factor is it’s all about cash flow. You know, like I said, that that deal at 43 is down to 28. 28 still doesn’t make sense for me. So it’s all about cash flow. And so, you know, I wrote a bestselling book. I’ll brag about, hang on, I’ll show it here. It’s called How to Create Lifetime Cash Flow through Multifamily Properties. The reason I bring this up is the subtitle is The New Rules of Real Estate Investing IE The new rules is it’s all about cash flow. I don’t, you know, I can brag about what you, you know, the discounts you can buy a property for, but it, it’s all about the numbers. It’s got a pencil, it, so cash flow is king. Um, so would you agree with that? Oh, a hundred percent. No. The interesting thing is though, that like, that’s a, that’s actually in real estate. That’s a principle I think a lot of people had, and I think what ends up happening is when the market gets frothy, you kind of skip that step, right? Because then what you’re, then what happens is that the market becomes so competitive that you’re trying to project, okay, I can get this from here to here and I can make it cash flow pretty quickly. And that’s when it gets dangerous, right? Yeah, yeah. Because listen, when Mark, when, when, when rates were, were as low as they were, you could do that. Now what? As soon as they started accelerating, well then you just got behind and, and you, you couldn’t catch up. And that’s kind of what happened. No, that’s it. And the expenses. Yeah. Yeah. They, the business about this market though, and maybe you can get some perspective on this, is what happens. You’ve experienced multiple real estate cycles and one of the opportunities that real estate investors have had throughout the decades is investing in a market where interest rates start to fall. What happens? Well, what happens is, is, is, is, is values As values go up, you know, and here’s the other thing, you know, uh, uh, with inflation, inflation’s not going away. And when you buy a property, the debt’s locked unless you do the adjustable rate thing. But if, if you get a normal, a normal mortgage. The, the rent, the debt is locked, but your, your interest, your rents are gonna continue to climb here. They’re going up, they’re gonna keep going up. And, you know, and, and of course the value of, of what we do is based on a multiple of the net income, the NOI, the net operating income. So any increase of the rents is gonna go to the bottom line. And, and so your values are gonna go up. So again, incredible opportunity to get into this real estate now. With the debasement of the US currency, with with, with all the money they’re printing and everything else, you’re, you’re seeing incredible rises in, in hard assets like gold, silver, of course, we saw a crash in Bitcoin ’cause it’s ethereal, it’s air, but, but real estate, uh, is, is you look at it over, over, you know, 50 years and, and it only goes one direction. It has some dips, but it continues to go one direction. And, and so, you know, I, I love real estate. I always have and. And, and always will. And so, you know, that’s why I teach it, you know, I do, I teach multi and I now teach multiple asset classes. I just taught multifamily for a long time, but now I teach pretty much every asset class and I’m, yeah. So what’s, uh, housing too? Yeah. Tell us a little bit about senior housing and um, yeah, what you’re doing there. I, I, I’ve only purchased one assisted living facility so far, but my students, my God, I can’t even count how many assisted living facilities and memory care units they have. But I, I’m, I’m gearing up. I have a whole team doing it. Uh, we’re cold calling and, and, and the, the, the out, the goal is. Is, uh, uh, 12 units in the next 18, I’m sorry, 12 separate facilities in the next 18 months. And we’re growing up to do that. Uh, we’ve got a ton of interest. And here’s the, here’s the reason why they call it the silver tsunami. There’s, there’s six, 10,000 people a day turning 65, and it goes forever. And it seems like forever. I mean like literally a over a decade and. And again, um, you know, those people. Uh, so there’s a lot of opportunity with that. There’s an opportunity to buy businesses as well. A lot of ’em wanna retire and own businesses, so there’s an opportunity there. But, but, um, in senior housing, there’s, there’s a huge shortage of beds. And, and I’m quite candidly, I’m not sure we’re gonna be able to match the need in the shortage of beds, but there’s a huge shortage of beds and, and so, um, you know, and to build new. The about the least you can build a place for is $200,000 a bed. Well, there are facilities that got crushed by COVID where you can buy. Facilities for sub a hundred dollars a bed. So there’s, there’s a, there’s an opportunity there that we’re capitalizing on. It’s very exciting. Uh, that won’t be around there a lot of, is there a lot of competition from, you know, big money institutions, that kind of thing in this space that are sort of pushing prices up? Because I would think if they would have to, yeah. Yeah. I would think they would have the same sort of thesis overall. So the larger facilities, yes. The, you know, I, I’m not doing the, the 200 bed facilities, you know, I’m in the 50 to a hundred range, you know, uh, kind of the mom and pop range as it were. Uh, and. So, at least to start, I mean, at some point I’ll compete with the larger ones, but we’re starting there and, and there’s just an incredible opportunity to, to get to, and the returns are fantastic. I mean, we’re seeing 15% cash on cash, 25% IRR, realistically not BS returns. And so, you know, it’s very exciting, honestly. And, and, and, and, and again, it’s got legs. It’s not going anywhere. It’s not like one of these things that’s cyclical. There’s, there’s the, these people are retiring. They’ve impacted everything from Pampers diapers to suburbia, and they’re gonna impact, you know, senior housing in a big way. So, um, you know, it’s, it’s that, that’s exciting. Yeah. I got crushed by that wave in 2008. I got crushed by that wave. I’m surfing this wave. Yeah, yeah. Yeah. Good for you. So tell us, you know, a little bit more about how people can get involved. It sounds like you got a lot going on there. So tell us about Well, I, I, I teach, you know, I teach this stuff. I have, I’ve had, I dunno, upwards of 20,000 people attend my bootcamps by the way. Really never had a complaint except that the breaks are too short. ’cause I, I packed three days into two days, but I teach this business and soup to nuts, how to find deals, how to pick a market, how to pick a team, how to underwrite them, how to finance them, how to raise all the money for them, on and on. And so if you go to Rods. links.com. That’s my link tree. That’s where my goal setting workshop is. If you want to do your goals, do it there. But, uh, if you come to my bootcamp, that’s the first thing we do. Uh, ’cause I, I need to have you get very focused on what you want. But, um, you know, it’s two days of training. I don’t sell anything and you can come for $47. So tell me your excuse. Okay? And the bonus, the bonuses are thousands of dollars. You get my deal evaluator software, my document library. You get all this stuff. And you know, and candidly, if you come to the bootcamp and. On Monday, you decide it wasn’t worth it, you didn’t love it. I don’t mean like it, I mean, love it. I’ll give you your 47 bucks back. It’s never happened, but it’s first time for everything. So, yeah, no, I, I, I love what I do. It comes out and what I do, and I, I spend time on mindset too, because again, that’s 80 to 90% of it. That’s why my students are so freaking successful. They actually do it. Um, and so. I, I, I really love it, and that’s where I’ll continue to do it. So I’m, I’m doing one of these virtual events pretty much every month and a half. I’ve got one coming up, I don’t know when this’ll air. I’ve got one coming up in March, March 7th and eighth, and there’ll be one, you know, 60, 45, 60 days after that. So, yeah. Fantastic. Rod, thanks so much for being on the show today. Oh, I appreciate it. I appreciate it. Uh, thank you. And, and again, it’s Rod’s links or text links to 7 2 3 4 5. Matt, thanks. Thanks for having me on. Buck, it’s great to see you again. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage private school to pay for and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put off by some of the oldest and most prestigious life insurance companies in the world. It’s. Called Wealth Accelerator and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. We talked about a lot of things, but I think the mindset step is really important. So if you’re one of those people. Who is worried about, you know, a time in your life right now, or that that things aren’t going well? Things can turn around really quickly. You just gotta have some, you know, you gotta have the right mindset. You gotta have the right goals. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey sign now. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.
Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week I'm talking about the benefits of practicing quiet wealth, and why it's important—especially for retirees—to be intentional about being quiet with our money.
This episode explores how parents can thoughtfully support their adult children financially in a world of high housing costs, rising interest rates, and tighter budgets. We'll discuss practical ways to help with big goals like buying a home or starting a business while preserving your own long‑term financial security. Listeners will walk away with strategies to set healthy boundaries, protect family relationships, and empower their kids to become financially independent. Show Topics Big Oil Shock Helping Adult Kids Wisely Bank of Mom and Dad Support Without Enabling Boundaries With Grown Children
Are you feeling stuck—living paycheck to paycheck, uncertain about your financial future, and watching retirement drift further out of reach? If you're ready to regain control, eliminate debt, self-finance major purchases, and build a true multi-generational wealth strategy, this episode is your blueprint. In this episode of the Private Banking Strategies Podcast, money experts Vance Lowe and Seth Hicks, Esq., break down the Smart Risk Framework every serious private banker must understand. Discover how to properly structure collateralized loans, deploy capital without speculation or emotional decision-making, and leverage high cash value whole life insurance to create stability, liquidity, and long-term financial control. Vance and Seth discuss: Smart Risk Framework Explained– The Wealth Strategy Every Private Banker Must Master How Banks Leverage Deposits for Profit(And Replicating It in Your Own Private Family Bank) Purchase Your Own Debt Strategy– Put Your Money to Work Using Infinite Banking Smart Risk Filters for Capital Deployment– Protect Cash Flow While Scaling Your Private Banking System Resources: To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/
In this episode, the Eyres start a deep dive into the financial questions and dilemmas of three generation families. Whether you are Gen 1 (Grandparents), Gen 2 (Parents) or Gen 3 (Grandchildren) tune in all month as Richard and Linda give us ideas that work whether we are rich or poor.
Join this channel to get access to exclusive members only videos:https://www.youtube.com/channel/UCQTAVxA4dNBCoPdHhX9nnoQ/joinJoin Members Only On My Website. 7 day free trial. Save 25% when you choose an annual Membership plan. Cancel anytime:https://understandingrelationships.com/plansJoin Members Only on Spotify:https://podcasters.spotify.com/pod/show/coachcoreywayne/subscribeHow to know if you're getting used for resources if she rejects your romantic advances.In this video coaching newsletter I discuss an email from a viewer who appears to have gotten stuck in friend zone for 2 years with a girl from Spain. She came with her cousin to stay with him for a week after talking for 2 years. She physically bumped into and touched him often. However, whenever he tried to reciprocate she rejected him and pulled away. All he got was 3 hugs for his trouble when she left. He wonders if he simply got used for free entertainment, room and board and a tour guide.If you have not read my book, “How To Be A 3% Man” yet, that would be a good starting place for you. It is available in Kindle, iBook, Paperback, Hardcover or Audio Book format. If you don't have a Kindle device, you can download a free eReader app from Amazon so you can read my book on any laptop, desktop, smartphone or tablet device. Kindle $9.99, iBook $9.99, Paperback $29.99 or Hardcover 49.99. Audio Book is Free $0.00 with an Audible membership trial or buy it for $19.95. Here is the link to Audible to get the audiobook version:https://www.audible.com/pd/B01EIA86VC/?source_code=AUDFPWS0223189MWT-BK-ACX0-057626&ref=acx_bty_BK_ACX0_057626_rh_usHere is the link to Amazon to purchase Kindle, Paperback or Hardcover version:http://amzn.to/1XKRtxdHere is the link to the iBookstore to purchase iBook version:https://geo.itunes.apple.com/us/book/how-to-be-3-man-winning-heart/id948035350?mt=11&uo=6&at=1l3vuUoHere is the link to the iTunes store to purchase the iTunes audio book version:https://geo.itunes.apple.com/us/audiobook/how-to-be-a-3-man-unabridged/id1106013146?at=1l3vuUo&mt=3You can get my second book, “Mastering Yourself, How To Align Your Life With Your True Calling & Reach Your Full Potential” which is also available in Kindle $9,99, iBook $9.99, Paperback $49.99, Hardcover $99.99 and Audio Book format $24.95. Audio Book is Free $0.00 with an Audible membership trial. Here is the link to Audible to get the audiobook version:https://www.audible.com/pd/B07B3LCDKK/?source_code=AUDFPWS0223189MWT-BK-ACX0-109399&ref=acx_bty_BK_ACX0_109399_rh_usHere is the link to Amazon to purchase Kindle, Paperback or Hardcover version:https://amzn.to/2TQV2XoHere is the link to the iBookstore to purchase iBook version:https://geo.itunes.apple.com/us/book/mastering-yourself-how-to-align-your-life-your-true/id1353139487?mt=11&at=1l3vuUoHere is the link to the iTunes store to purchase the iTunes audio book version:https://geo.itunes.apple.com/us/audiobook/mastering-yourself-how-to-align-your-life-your-true/id1353594955?mt=3&at=1l3vuUoYou can get my third book, “Quotes, Ruminations & Contemplations” which is also available in Kindle $9,99, iBook $9.99, Paperback $49.99, Hardcover $99.99 and Audio Book format $24.95. Audio Book is Free $0.00 with an Audible membership trial. Here is the link to Audible to get the audiobook version:https://www.audible.com/pd/B0941XDDCJ/?source_code=AUDFPWS0223189MWT-BK-ACX0-256995&ref=acx_bty_BK_ACX0_256995_rh_usHere is the link to Amazon to purchase Kindle, Paperback or Hardcover version:https://amzn.to/33K8VwFHere is the link to the iBookstore to purchase iBook version:https://books.apple.com/us/book/quotes-ruminations-contemplations/id1563102111?itsct=books_box_link&itscg=30200&ct=books_quotes%2C_ruminations_%26_contemplatio&ls=1
Five years ago, my mom sold her house and moved in with us, and we're covering all her expenses. Are we jeopardizing our own retirement? Have a money question? Email us here Subscribe to Jill on Money LIVE Subscribe to Jill on Money Newsletter YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. 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
No More Excuses!Let's be real. By March, most resolutions are already fading. The gym is empty again. The Bible plan is collecting dust. The budget never got started. And if we're not careful, this won't be a new year but just be another year on repeat.Here are the keys to success in every aspect of our lives: Execution, Discipline, and Action. The most disciplined version of you is the best version of you and your breakthrough is waiting on your action. Spiritually. Physically. Mentally. Financially. If you're ready to stop coasting and start thriving, then this episode is tailor made for you!Support the show
From the naughty to the practical, in this episode, the women of Level Up Latina get real about the many ways we've invested in our relationships. Today's conversation dives into the lessons learned, the mindset shifts, the moments of grace, and yes… the fun and laughter that come with figuring it all out together. In this show, we reflect on the many ways we've poured into ourselves for the greater good of partnership, marriage, and family—and why embracing growth (even when it requires a little courage or investment) can transform not only our relationships, but our lives. Because at the end of the day, becoming better partners often starts with becoming better to ourselves, doing something uncomfortable, or asking for help from a trusted professional. Don't miss this honest, funny, and surprisingly relatable conversation.
Are you interested in sharing YOUR story on the RYL podcast? OR are you struggling to get qualified women into your construction company? Send me an email and let's chat! Camille_L@sbcglobal.net
Dave Schlueter of the Law Offices of David R. Schlueter joins Jon Hansen to discuss what to do financially before house hunting. To learn more about what Dave Schlueter can help you with, go to schlueterlawoffice.com or call 1-630-285-5300.
Vivian takes the stage at 92NY in New York City for a live book tour celebration of her second book, Well Endowed — and Heather McMahan is there to make sure things get a little chaotic. In front of a packed crowd, the two sit down for an unfiltered, hilarious, and genuinely eye-opening conversation about money, financial honesty with your partner, real estate and so much more. In this episode, you'll learn: What Well Endowed is really about — the thesis behind the book, why Vivian wrote it, what she wished she knew before she started, and the ideas she kept coming back that made her realize this needed to be a whole second book. The biggest money misconceptions people have about getting older and building wealth, why the personal finance conversation has shifted dramatically in the last few years, and the core wealth-building principles she believes are non-negotiable no matter what the economy is doing. Why everyone needs to understand trusts and wills. Plus, the estate planning basics Vivian breaks down in Well Endowed, why most people put it off until it's too late, and the surprisingly simple steps you can take right now to protect your wealth, your assets, and the people you love, no matter how much (or how little) you have in your bank account. Get your copy of WELL ENDOWED at https://www.yourrichbff.com/wellendowed Special thanks to Heather McMahan for being an amazing moderator! Keep up with Heather on Instagram! Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices
WEBINAR LINK:https://shawnmoore.clickfunnels.com/optiniyvvg89sWant to learn more about Vodyssey or start your STR journey. Book a call here:https://meetings.hubspot.com/vodysseystrategysession/booknow?utm_source=vodysseycom&uuid=80fb7859-b8f4-40d1-a31d-15a5caa687b7FOLLOW US:https://www.facebook.com/share/g/16XJMvMbVo/https://www.instagram.com/vodysseyshawnmoorehttps://www.facebook.com/vodysseyshawnmoore/https://www.linkedin.com/company/str-financial-freedomhttps://www.tiktok.com/@vodysseyshawnmooreCONTACT US:support@vodyssey.comChapters00:00:00 Intro00:01:45 Florida's Short-Term Rental Landscape00:06:09 Challenges for Investors in Florida00:10:00 Understanding Market Saturation and Demand00:19:00 Navigating Risks and Regulations00:30:00 The Impact of Gen Z on the Market00:37:04 Engaging the Next Generation in Real Estate00:41:12 Conclusion and Key Takeaways
Why do so many brilliant, accomplished women still feel financially uneasy, even when everything looks stable from the outside? In this Foundations episode, Dr. Felecia Froe speaks directly to high-achieving women who have done everything "right" yet still feel a quiet undercurrent of pressure. This conversation moves beyond spreadsheets and retirement accounts and into the deeper truth about financial security. Income is not the same as wealth. Comfort is not the same as resilience. And intelligence alone does not create peace. Dr. Froe unpacks the emotional weight many professional women carry, the hidden dependence created by high-income lifestyles, and why true financial security is rooted in optionality, control, and assets that work without you. If you have ever wondered why success does not automatically feel secure, this episode will help you reframe the question and start building something sturdier than income alone. 00:00 - Why Success Feels Shaky 00:38 - Welcome and Foundations 01:34 - The Hidden Uneasiness 02:07 - Security Is Not Math 03:22 - The Invisible Responsibility Load 04:24 - From Income to Wealth 05:09 - A Better Question 06:12 - You Are Not Behind
Interview with Heye Daun, President & CEO of Koryx Copper Inc.Our previous interview: https://www.cruxinvestor.com/posts/koryx-copper-tsxvkry-seasoned-executives-aim-to-unlock-value-in-huge-namibian-copper-project-6281Recording date: 1st March 2026Koryx Copper Inc. is developing the Haib copper project in Namibia, one of sub-Saharan Africa's most stable and established mining jurisdictions. Under the leadership of CEO Heye Daun, a Namibian citizen, mining engineer, and serial dealmaker, the company has transformed a previously mismanaged junior mining asset into a credible large-scale copper development opportunity in under two years.The Haib project was drilled originally by Rio Tinto in the 1970s but was left undeveloped as copper prices at the time did not support a low-grade sulfide deposit. It eventually passed to Deep South Resources, which proposed bio-heap-leach processing, a method not proven at commercial scale for sulfide material, and subsequently lost its operating licenses. When Daun's team assumed control, they reinstated conventional milling and flotation, the standard and bankable processing route for sulfide copper, and rebuilt both the technical and financial credibility of the asset from the ground up.The resulting PEA published in 2025 modelled just under 100,000 tonnes of annual copper production at a capital cost of approximately $1.5 billion, using a copper price of $4.30 per pound which roughly 30% below spot at the time of the PDAC 2026 interview. The middle-of-the-cost-curve economics hold up at conservative assumptions, and management's stated approach to study assumptions has historically been validated: on both prior Namibian transactions, the step from PEA to PFS maintained or improved the project scope rather than contracting it.The next milestone is the PFS, expected by end of 2026. This study will sharpen engineering and cost estimates, providing a more bankable document for potential financing discussions and strategic partner conversations. Alongside the PFS, Koryx is expanding its mineral resource and adding exploration ground around the Haib project, with a new, larger resource estimate expected in the near term.Financially, the company has moved from a $10 million market capitalisation to raising over $100 million, including a $51 million institutional placement that attracted Middle Eastern and Chinese financial groups as strategic participants. The company states it is sufficiently capitalised to reach an investment decision without further dilutive financing in the near term.The long-term construction path is expected to involve a major mining company or capital partner given the scale of investment required. Daun has been explicit about this: a $1.5 to $2 billion project is beyond the appropriate scope for a junior developer to build independently. Whether that takes the form of a joint venture, acquisition, or offtake-led financing arrangement will be determined in part by prevailing market conditions and the company's share price at the time of the investment decision.For investors, the near-term investment case rests on two catalysts: the mineral resource expansion and the PFS delivery. Both are well-defined, time-bounded events that, if executed credibly, represent meaningful de-risking steps for an asset that already has institutional and strategic interest at the door.View Koryx Copper's company profile: https://www.cruxinvestor.com/companies/koryx-copperSign up for Crux Investor: https://cruxinvestor.com
Hour 4: Why gas bills are high and supporting adult kids financially full 1901 Tue, 03 Mar 2026 15:59:00 +0000 iAJBClcXG7rRU3hWEB1KAfkOVhwQ6MIU parenting,utilities,news WWL First News with Tommy Tucker parenting,utilities,news Hour 4: Why gas bills are high and supporting adult kids financially Tommy Tucker takes on the days' breaking headlines, plus weather, sports, traffic and more 2024 © 2021 Audacy, Inc. News False https://player.amperwave
How long should you help your adult children with bills and other costs? Where do you draw the line between making sure they don't stumble and fall and making sure they can stand on their own? We talk with Dr. Judy Ho, clinical & forensic neuropsychologist, host of the SuperCharged Life podcast
Website: https://bit.ly/3iTrTHQ Apply for a Free Porn Addiction Evaluation Call: https://bit.ly/3gCemT1 Free Ebook: https://bit.ly/3OQrOoF Free 7-Day Challenge: https://bit.ly/ER7DayChallenge
It's a Drew-heavy episode as he details some recent "upgrades" around the house. First, the boys visit the ol' Drew's Computer Corner for a new "build" update, and Drew talks about some of the new tools and workflows he's experimenting with. But it turns out, that's not the only thing Drew brought home this week. Paul's psychic: his Eero Signal saves the day. Paul doesn't love Drew anymore and is playing games with other people, oh and also, a game called "Earthborne Rangers." Recorded 02/28/26 Show Links: Powerspec AI100 Workstation LM Studio OpenWebUI 2026 Audi RS6 Performance Earthborne Rangers
We are planning on one more kid but the school tuition is certainly piling up. I think we are okay but would like some reassurance. Have a money question? Email us here Subscribe to Jill on Money LIVE Subscribe to Jill on Money Newsletter YouTube: @jillonmoney Instagram: @jillonmoney 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
Dr. Matthew Hitchcock of Hitchcock Medical Group in Chattanooga, TN has spent over a decade proving that direct primary care is not just better medicine, it's a smarter business. In this episode, he breaks down the layered economic model behind his DPC practice, in-house pharmacy, and cash-only imaging center.What we cover:Why primary care is a loss leader in the insurance world and how DPC fixes thatHealth insurance ≠ healthcare access (and why that distinction matters)How a fully licensed pharmacy and cash-only imaging center ($350 CT vs. $2,000+) create financial resilienceWhy PE and VC-backed primary care keeps failingHow DPC can actually scale — and what kills it when it tries
Episode 224Marriage. It is ordained by God, highly rewarding, yet challenging to successfully live out and under constant attack from all sides. Today on the Removing Barriers Podcast, we are privileged and very grateful to sit down with David and Debra Sommerdorf to talk about their marriage of over 40 years: how they met, God's work in their hearts and in their family over the years, and biblical principles that wove a beautiful tapestry of love, faithfulness, and family going strong for decades. You won't want to miss this episode!Listen to the Removing Barriers Podcast here:Spotify: https://cutt.ly/Ega8YeI Apple Podcast: https://cutt.ly/Vga2SVdEdifi: https://cutt.ly/Meec7nsvYouTube: https://cutt.ly/mga8A77Podnews: https://podnews.net/podcast/i4jxoSee all our platforms: https://removingbarriers.netContact us:Email us: https://removingbarriers.net/contactFinancially support the show: https://removingbarriers.net/donateAffiliates:Book Shop: https://bookshop.org/shop/removingbarriersChristian Books . com: https://www.christianbook.com/Christian/Books/home?event=AFF&p=1236574Fastmail: https://join.fastmail.com/8e23c12bSee all our affiliates: https://removingbarriers.net/affiliatesNotes:Sommerdorf's Website: https://sommerdorf.com/
Behind the Glamour, Why So Many Entertainment Insiders Are Financially StuckLearn the mindset and moves that lead to real results. Please visit my website to get more information: http://diversifiedgame.com/
Universal Basic Income: Would It Make Us Happier? In this episode, David Lloyd is joined by Chris Budd and Tom Morris to explore this hotly debated idea, UBI, but through a financial wellbeing lens rather than a political one.
Managing money as a couple is one of the most important things you can do for your relationship and your financial future. Yet most couples rarely sit down together to actually talk about it in a structured way. That's where the money date comes in.
Are you a Highly Sensitive Person under stress? Find out—take the free test at https://trueinnerfreedom.com/hsp-stress-test/ Why Do So Many Highly Sensitive People Struggle Financially—And What Can You Do About It? What if your financial stress isn't a personal failure—but a natural response to systems that were never designed for sensitive people? If you're a highly sensitive person (HSP) who feels depleted by the demands of making money, you're not alone—and it's not your fault. This episode unpacks how modern financial systems clash with sensitive nervous systems and why integrity, not inadequacy, is often at the root of money struggles for HSPs. Understand why nervous system override is rewarded in our culture—and why that's a problem for HSPs. Discover how emotional labor and invisible work drain your energy and income without you even realizing it. Learn how to build financial structures that honor your sensitivity instead of demanding self-sacrifice. Tune in now to discover how you can create sustainable income that supports your well-being—without betraying your sensitivity. Todd Smith, founder of True Inner Freedom Dreaming of a stress-free, balanced life? Visit trueinnerfreedom.com and complete the HSP Stress Survey. Gain clarity on your stress triggers and enjoy a free 15-minute Inner Freedom Call designed to guide you toward lasting inner peace and fulfillment. Are you a highly sensitive person (HSP) or someone who identifies as hypersensitive or neurodivergent? This podcast is dedicated to helping highly sensitive people (HSPs) navigate overwhelm and stress by using The Work of Byron Katie—a powerful method for questioning stressful thoughts and finding true inner freedom. We dive deep into stress management strategies, coping with stress, and stress relief methods specifically tailored for HSPs. Learn how to manage emotions, especially negative ones, and explore effective stress reduction techniques that go beyond the surface to address the root causes of anxiety and pressure. Whether you're interested in learning how to lower stress, handle stress and pressure, or reduce stress through practical techniques, we provide insights and support based on The Work of Byron Katie. Discover how this transformative approach can help you decrease stress, find inner peace, and create balance in your life. Join us to learn about various coping strategies for stress, all designed to support HSPs in their journey toward emotional well-being.
https://www.approvedfp.com.au/services/retirement-planning/Wondering if you're truly ready to retire? Learn about the financial, emotional, and lifestyle checkpoints you need to consider. From debt management to multiple income streams and estate planning, get the expert roadmap to a confident retirement. Approved Financial Planners Pty Ltd City: Floreat Address: 7/437 Cambridge St, Website: https://approvedfp.com.au
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their perspectives as to why people feel behind financially -- even when they're not. ---⚙️ We're thrilled to introduce the Rich Habits Money Map! If you're someone ready to automate your saving and investing, the Rich Habits way, this workflow by Sequence is for you. Click here to sign up for Sequence and gain access to our Rich Habits Money Map! ---
Episode 223Bonkers - 16In January of 2026, ICU nurse Alex Pretti was killed in a violent confrontation with border patrol agents carrying out their duties in Minneapolis and corporate media pundit turned Youtuber Don Lemon allegedly participated in an anti-ICE protest inside of a church during a service. Pretti, who had been involved in violent encounters with ICE previously, became the new face and martyr of the political left, while others were quick to point out the violent bad-faith tactics of Minneapolis leadership, riot organizers, and Pretti himself. The country found itself in a feverish debate about ICE tactics in a political climate that overwhelming voted a more hardline approach to immigration enforcement. What power does the state have to push back against federal power? How do we handle radicalized protestors? Not to be outdone, Don Lemon filmed himself coordinating with professional protestors planning to disrupt a church service for ties one of the pastors has to ICE. Parishioners were subjected to loud, angry, profanity-laced chants from protestors and Youtubers alike while he weaseled himself from person to person in the name of "journalism", asking questions that basically amounted to "how do you feel about being an evil person who supports ICE?" The stunt shocked Christians everywhere in the nation, raising questions about the role of the church during civil unrest and where the limits are regarding the rights enshrined in the U.S. Constitution. In this episode of the Removing Barriers podcast, we discuss all these things and more.Listen to the Removing Barriers Podcast here:Spotify: https://cutt.ly/Ega8YeI Apple Podcast: https://cutt.ly/Vga2SVdEdifi: https://cutt.ly/Meec7nsvYouTube: https://cutt.ly/mga8A77Podnews: https://podnews.net/podcast/i4jxoSee all our platforms: https://removingbarriers.netContact us:Email us: https://removingbarriers.net/contactFinancially support the show: https://removingbarriers.net/donateAffiliates:Book Shop: https://bookshop.org/shop/removingbarriersChristian Books . com: https://www.christianbook.com/Christian/Books/home?event=AFF&p=1236574Fastmail: https://join.fastmail.com/8e23c12bSee all our affiliates: https://removingbarriers.net/affiliates
Send a textOn this episode of the Smarter Vet Financial Podcast, Tom Seeko and CJ Burnett, co-founders of Florida Veterinary Advisors, walk through a clear framework for answering one of the most common questions vets ask: “Am I financially on track?” They break your journey into four phases—25–30, 30–40, 40–55, and 55+—so you can see what typically matters most at each.You'll hear practical context around student loans, changing pay scales, the rise (and shifts) in relief work, when ownership or career pivots make sense, and how to build a retirement income plan that supports your lifestyle without guesswork.If you enjoy this show, explore more resources at FLVetAdvisors.com, including our book Unleashed: The Financial Clarity Every Veterinarian Needs. And if this episode helped you, a quick rating/review on Apple or Spotify helps other vets find the show.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances: 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment: Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice: Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/ Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665
Financially, most of us face at least one “apocalypse moment,” like a layoff or a market crash, and in this episode we use a pop culture list of our favorite apocalyptic movies to set the stage for one key truth: it is not the end, it is a reset. Then we break down the practical steps and the mindset shifts that can help you start over when everything feels like it is falling apart, because change is survivable when you respond with structure instead of fear. The List: Apocalyptic Movies Hashtags: #apocalypse #postapocalyptic #iamlegend #thedayaftertomorrow #madmax #panicvsplan Visit us online: www.bullcastpodcast.com Produced by Cameron Spann | Powered by Pickler Wealth Advisors Sound effects obtained from https://www.zapsplat.com
LIBERTY Sessions with Nada Jones | Celebrating women who do & inspiring women who can |
Yvette Martinez-Rea is a mom, a widow, a COO, a dog and cat owner, a mediocre but improving golfer, and an excellent guacamole maker. She lives in La Canada, CA, with said pets and loves reading, walking with friends, and martinis. Nada is joined today by a very dear guest for a conversation on losing loved ones and the steps we can take to better prepare for the inevitable. Yvette Martinez Rae shares how her world turned upside down overnight and the financial and legal aftermath she had to manage while grieving. She later wrote a letter to her friends, Nada among them, sharing her newfound wisdom in hopes of sparing them the same overwhelm. She joins us today for a difficult conversation to share the takeaways from that letter. This episode is full of heart, in service to our listeners, and in honor of her husband, Andy Rae. Online forms to help navigate household finances/accounts/planning Estate Planning Checklist - https://www.ncoa.org/article/estate-planning-checklist/ Asset Inventory Worksheet -https://www.schwab.com/resource/asset-inventory-worksheet AARP Guide After a Loved One Dies - https://www.aarp.org/family-relationships/when-loved-one-dies-checklist/ Surviving Spouse Checklist - https://www.raymondjames.com/-/media/rj/advisor-sites/sites/p/a/palmavenuewealthadvisorygroup/files/financial-planning-documents/b9-surviving-spouse-checklist.pdf Please follow us at @thisislibertyroad on Instagram; we want to share, connect with you, and hear your thoughts and comments. Please rate and review this podcast. It helps to know if these conversations inspire and equip you to consider your possibilities and lean into your future with intention.
Interview with Diane R. Garrett, President & CEO of Hycroft MiningOur previous interview: https://www.cruxinvestor.com/posts/hycroft-mining-nasdaqhymc-nevada-giant-eliminates-debt-targets-2026-production-milestone-8914Recording date: 18th February 2026Hycroft Mining (Nasdaq: HYMC) has published an updated Mineral Resource Estimate confirming 55% growth in Measured and Indicated gold and silver resources at its Hycroft Mine in Winnemucca, Nevada. The deposit now stands at 16.4 million gold ounces and 562.6 million silver ounces in the M+I category, with inferred resources of a further 5.0 million gold ounces and 132.8 million silver ounces. The MRE was prepared by independent third parties and is based on commodity prices of US$3,100/oz gold and US$36/oz silver.The update incorporates results from 70 drill holes and reflects a geological reinterpretation that has fundamentally changed how management and institutional investors view the asset. In late 2023, Hycroft announced the discovery of two new high-grade silver systems, Brimstone and Vortex, within the existing resource footprint. After just 14 months of drilling, those systems have already yielded an initial high-grade M+I silver resource of 90.2 million ounces. Critically, both systems remain open along strike and at depth, and no results from the current 2025-2026 drill programme are yet incorporated into the MRE.Metallurgical test work using Pressure Oxidation has confirmed recoveries of 83% for gold and 78% for silver - robust figures for a refractory sulfide deposit and a key de-risking milestone ahead of a feasibility study. The company is also evaluating a roasting alternative that could convert a processing cost into a by-product revenue stream through sulfuric acid production.Financially, Hycroft is well-positioned to execute. The company holds approximately US$200 million in cash with zero debt, following the retirement of legacy liabilities in October 2024. The institutional shareholder base, led by Eric Sprott at 43%, with BlackRock, Schroders, and Franklin Templeton also on the register, reflects sustained conviction in the long-term thesis. Project economics on the large-scale operation are expected by end of Q1 2026, with an underground mining assessment of the high-grade systems also underway.—View Hycroft Mining's company profile: https://www.cruxinvestor.com/companies/hycroft-mining-holding-corporationSign up for Crux Investor: https://cruxinvestor.com
HEADLINE: Protecting US Data and Seeking Damages. GUEST: Brandon Weichert. SUMMARY: Weichert urges stricter tech transfer laws and stronger investment screening through CFIUS, arguing the US must hold China financially accountable for the COVID-19 pandemic's global damage. 1915
Monday's 9am hour of Mac & Cube saw the guys look at the financial (in)stability of college football as North Dakota makes the leap from FCS to FBS; later, Richard Hendrix, SEC Network basketball analyst, tells us what Alabama's win over Auburn showed about both teams, and which SEC teams we aren't talking about nearly as much as we should, and why there's still time for some teams in the league to hit their ceiling; and finally, an all-timer shows up in our Bad Box Score of the Day!! "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!!See omnystudio.com/listener for privacy information.
SEASON 4 EPISODE 56: COUNTDOWN WITH KEITH OLBERMANN A-Block (2:30) SPECIAL COMMENT: In destroying The Washington Post yesterday, Trump-fluffer Jeff Bezos has gone far enough. Democratic leaders must commit to using anti-trust laws to destroy Amazon, Prime, Blue Origin - and Bezos, financially. Every would-be president, senator, representative must vow to break the oligarchs - Bezos, Musk, Trump, and all the rest. Bezos first hollowed out the Post to make it servile to Trump and his gang. Now he's destroyed its foreign and sports desks, and its viability as a counterweight to the anti-democracy forces abroad in the land. All so he could spend $75,000,000 or more on a vanity project designed to tell Trump a life: that his wife is an attractive "movie star." We are not going back to the America of 1885. We must bankrupt Jeff Bezos. (And I apologize for the slipshod nature of this episode. I'm under the weather, throat bad, was planning to postpone this episode but this could not wait. Please forgive for the extemporaneous nature of the commentary; the rest of the show is interesting but not new) B-Block (30:00) OLYMPICS TIME: As the 2026 games begin in Italy let me take you back to the most famous winter games yet: the 1980 Lake Placid Olympics, which I covered as a 21-year old rookie with United Press International (while my bosses tried to teach me how to work and drink at the same time). C-Block (42:00) MORE WITH JAMES THURBER: Continuing the broadcasting theme, his first person story of the timelessness of on-air nerves and the labyrinth that is radio, TV, streaming or any other medium in any century: "How To Relax While Broadcasting."See omnystudio.com/listener for privacy information.
GloRilla's sister GOES OFF on her, for not financially supporting her parents or her TEN siblings!