Podcasts about Flock

Keith sits down with the youngest guest in show history—a 19-year-old college sophomore and student-athlete who's already deeply immersed in real estate and economics, Hunter Taddy. You'll hear a candid Gen Z perspective on money, debt, and the shifting social landscape, along with what's really being taught in today's real estate and econ classrooms.  They explore how young people are navigating college costs, work, and early investing decisions, and how hands-on property management education is shaping one student's path.  If you're curious about where the next generation of investors is headed—and what that might mean for your own strategy—this conversation offers a rare, on-the-ground look without the usual clichés. Episode Page: GetRichEducation.com/597 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold talking with a 19 year old guest that I befriended last year. He's a college sophomore with a real estate investing related major. What does he think about generation Z's future is in person, social life, dead. And what do you really learn about real estate and economics in college today on get rich education.   Corey Coates  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android. Listener phone apps build wealth on the go with the get rich education podcast, sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:11   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:44   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:00   Welcome to GRE from Concord, New Hampshire to Concord, California and across 188 nations worldwide, you're listening to one of America's longest running and most listened to shows on real estate investing. I'm your host, Keith Weinhold, and this is get rich education. Increasingly, you know, people ask why even go to college? Is the value of higher education even worth it to drag yourself to an 8am American Lit class while living off of dining hall Breakfast Biscuits and chicken strips for $100,000 a year, it's been estimated that one in seven men are meats, n, e, e, t, that means not in education, employed or training. Why put on a suit and tie and show up at a job when you have a reasonable facsimile of life online and you have discord and Reddit and trade stocks on Robinhood and crypto on Coinbase. Now I don't think that's going to be good for you, and I still think that there are a lot of positives about attending college. At least 15 to 20 colleges close each year in the United States. And despite this, you know, most people that I talk to, they still seem to be mostly positive about college, or they have this expectation that their kids go to college. So anecdotally, this hasn't changed. I probably wouldn't even be as aware of this shift if I didn't read media like I do, if I just talked to people informally, I really wouldn't know. One thing that has not changed also is the notion of the broke college student. I used to be one of those. Now America is just a couple years removed from that wave of elevated inflation and war in Iran has positioned to stoke a second wave of inflation. Today's guest told me that he does pay credit card finance charges, even though he makes more than the minimum payment, just kind of like I did as a college student. The default state of teenage society today is different. It used to be boredom, and now that's been replaced with anxiety. That part has certainly changed, and often it tends to be teen anxiety over such nonsense things. I mean, I have a teenage niece. One example is the burden of maintaining your Snapchat streak? Oh my gosh, if you're a Gen Z or you know what I'm talking about, basically a snap streak where you've got to send a friend a photo or video every single day to keep your streak going, two people have to send it to each other, and people with long streaks, they even like send each other a photo of the floor, just. To keep the streak going. I mean, talk about anxiety over the wrong things.    Keith Weinhold  5:04   Well, today's team guest Hunter, he has a somewhat better grip on life. I haven't met his parents yet, but they've done an amazing job. In fact, Hunter's dad owns rental property, which kind of helps to fuel some of his interests and desire. But in order to cope with inflation and expenses, buy now pay later programs have really taken off. They're widely known, but less widely known. Our rent now pay later plans. They're booming. Platforms like livable, flex and affirm. They're used by lower income and lower credit score tenants that often live paycheck to paycheck. And how it works is that these tenants are extended money at the beginning of the month to pay the rent. They often pay a flat subscription fee plus 1% of the rent. And you know, hey, that could be better than the tenant paying late fees to the landlord. I learned from one tenant that had trouble paying his $1,850 in rent that flex charged him a $15 monthly subscription plus 1% of the total rent for providing the service. So his total fees for the app were around $33 a month rent. Now pay later. You're probably only going to hear more about it, but if you're a landlord, you probably do not know that your tenant is using a rent now, pay later plan, because you just received the full payment on time, and then your tenant pays back the service later. Remember, it is called rent. Now, pay later. Oh, before we bring in our guest, can I ask you for some quick help? Maybe you wanted to tell me what you think about the show. You could have been listening for years, but you don't think that you can reach me. If this show has helped you become a better investor, the best way to support the podcast is to leave a quick rating or review. It helps more investors discover the show. Just tap the five stars in your podcast app. It can take as little as 10 seconds, and I will read it myself. Thanks in advance for leaving a rating and review. Let's meet this week's guest.   Keith Weinhold  7:22   This week's guest is the youngest we've ever had in show history. He's a teenager, so he's about a generation younger than me, and it's his first time on a podcast. He is a sophomore student athlete at the University of Alaska Anchorage, where he competes in the 800 meters for the track and field team. He runs about a 155 his major is management, with a specialization in real estate and property management, and he's just into so many things beyond athletics and academics, he serves as an ambassador for the Widener property management and real estate program. He's also an officer of the real estate management and investment club from Wisconsin. He's 19 years old, a straight A student. He's also an RA that's a Resident Assistant there helping out students at the dorms. Welcome to GRE Hunter, toddy.    Hunter Taddy  8:18   Yeah, I'm happy to be here. Thanks for having me.   Keith Weinhold  8:20   Taddy is spelled T, A, D, D, Y. I met Hunter almost six months ago. A property manager introduced us just thinking that we might have some things in common, and she sure was right. We've gotten together a few times, including going running at one time where, well, I had more than a little trouble keeping up with an active college athlete. The last time we sat down for coffee, just last week, I looked at my watch. We were done, and we sat almost two and a half hours like how many teenagers could really hold my attention for that long? But he just understands the world and politics surprisingly well. For a 19 year old. He's confident and well thought out. He's read War and Peace. He even got some of his own cooking and avoids seed oils. And you know, Hunter being born in 2006 when GRE debuted in 2014 you were eight years old. So before we talk about you, let's talk about your generation, generation Z What do you think some of the markers of your generation are?   Keith Weinhold  9:28   Yeah, so it's as I've shared with you in the past. It's interesting, because especially at UA, I'm mostly surrounded by like, athletes. So athletes tend to be a lot more social, just like how they grown up, they're always around people that tend to be a lot more driven. But then when I talk to, like, non athletes, it's a little bit different. Like, my generation is definitely they're on their phone a lot. I mean, I've told you before, like, I avoid social media. Well, I wouldn't say like the flag, but I avoid it a lot, because I know, hey, how addicting it is. And B, just like, you know, the.The word of my generation is slop or brain rot, and which is most of the stuff on the internet, but Yeah, seems to be like, there's a lot of anxiety in my generation, a lot of, like, lack of accountability, which I've noticed a lot lot of, like, lack of responsibility. And it's almost like self indulgent in a way, where it's like, oh I'm so lazy, or Oh, I'm so this, or I'm so that, and it's just kind of weird. You don't really get that much with like the athletes. Back to the social aspect. I don't know if you've seen that headline recently, that's like, the alcohol industry has lost eight, $30 million over the past four years because he doesn't drink. The real story isn't about Gen Z not wanting to drink alcohol. It's about Gen Z, not like really being social, right? I mean, I don't see that many like, Hangouts as much as, like, when I hear from, like my parents, you know, every night you're going somewhere with your friends or your you know, you're going to the bar, you're going to a bonfire, or things like that. And it's just, you don't see it as much. A lot of people are just in their rooms or online and, you know, the online gaming, online gaming, I don't game a lot, but gaming with friends is actually really fun to do sometimes. But everything's a lot more digital, you know, from the communication to like the spaces, you know, where you hang out, whether it's video games or whether it's VR chat, and some people do that, or discord, or just like internet forums and things like that. Yeah, just lot more digital.    Keith Weinhold  11:24   Yeah, you use little or no social media. Personally, I know you manage the Instagram page for your real estate organization, but yeah, there is more of this perception of in person, social life, maybe not dead, but dying. I've learned that 51% of 18 to 24 year old men have never asked out a woman in person you were sharing with me at how you know people have anxiety just about ordering food in person at a restaurant in Gen Z.    Hunter Taddy  11:54   That's actually funny. So because of how that conversation escalated, I technically did ask her out in Snapchat, but then she was like, you have to ask me out in person. And then I did eventually ask her out in person.    Keith Weinhold  12:06   Now, when it comes to in person meetings, after a few meetings with you, I noticed something rare when it's about seeing people in person, you have virtues that I think are somewhat rare for Generation Z. I mean, you actually show up on time. This this chat we're having right now. It's the fourth time we've gotten together, and you actually showed up early each of the four times, which is something that I really notice and appreciate, which, even for people my age, it seems like it's a virtue that they've lost. I mean, showing up on time is just common decency. That's just doing what you said that you were going to do. I find that pretty interesting. But when it comes to your generation being in college now, I mean, college is tough. You know, when I went to college, I took on student loans. My parents and I each paid for half of the tuition, and also worked a part time job while I was there. So I mean, you hang out with a lot of athletes, but how is it with balancing, you know, the income and student loans? Because, you know, college kids are still pretty poor   Hunter Taddy  13:10   I wanted to run for a division two program, because you can get athletic scholarship. I came in as a walk on. I'm not on any athletic scholarship. I get free housing and free meals for being an RA. Yeah, with my RA position, I actually got the RA position my second semester. So I got it as a freshman, which was like, really, really clutch. So my dad was in the Air Force for 20 years, and I got the GI bill for like, I think, six months. So I got my two first semesters of tuition paid for, and then I got some, like, some money for, like, housing and stuff. I mean, I pocketed most of that just because, I mean, I got it for free already. I don't get any more help from the GI Bill, because I'm not in Wisconsin. But if I went to Wisconsin, I could go to any school for free, like, tuition free. So, I mean, sometimes I do think about that, but with my real estate program. I mean, oh my gosh, the scholarship deadline. Every year they give out like, $50,000 in scholarships. A lot of them are from Widener and then just other like local real estate companies in the area. Last year, I got a $2,500 scholarship to travel to the National Apartment Association's apartmentalized It's like, their yearly conference in Las Vegas, and that was pretty cool. So that stuff kind of went over my head, but a lot of the stuff about AI was, like, just really interesting to hear, especially just about property management. And it's crazy to me, because, like, AI is almost like, my generation's thing, since we're, like, growing up with it, yeah. And then hearing, like, a lot of like, the older people in the property management profession talk about, I mean, they're still talking about when they had to keep their records on pen and paper, or, like, files and stuff. And I'm like, This is crazy. So I have scholarships with the real estate program, if I'm lucky, I can get up to almost $10,000 after the spring. It's.That means I pay in state tuition because I live on campus. It was a deal they were running after covid. So that's only like $5,700 I mean, my scholarships will be able to cover that. This semester, I paid like 2000 of it or something, and then my parents were kind enough to cover the rest, and then I'm going to pay them back right away after the year ends once I get those scholarships. And then, yeah, I get $11 an hour for working desk at my RA job. It's tax free, so, I mean, it's not totally bad, but I don't working desk hours that much because we only have them at night. And then, you know, being an athlete, I don't like staying up until, you know, one o'clock sometimes. I mean, the other night, I had to work a nine to three desk shift, and that screwed my whole for an entire week. Yeah. Okay,    Keith Weinhold  15:48   so when you graduate college in a few years, you could very well come out with a lower student loan balance than a lot of others did, although you might still have an informal loan with dad in there as well. How do you and a lot of people of your generation see your financial future? They sure can be hard to predict, but a lot of people see this crushing debt with student loans, and I wonder, even though it could be far into the future if really Gen Z thinks that they're ever going to be able to afford a home. Now, when it comes to the student loans, I know I shared with you when we sat down for coffee that I had a balance. I think it was like a $20,000 balance when I graduated, because again, my parents paid half of it and I worked part time when I went to school, I shared with you that I just took that balance and paid very little interest on my student loan balance because I kept transferring it repeatedly onto these 0% APR credit cards, and when my introductory rate expired on one card, I would just transfer it onto another card. So I've long been comfortable with debt.    Hunter Taddy  16:52   So me, personally, I do not want to take out a loan from any entity. I'm very fortunate and privileged that my parents are able to, you know, front that money for me when I need it. When I need it, I try to pay them back right away. I do not want student loans like my goal is to get out of college, you know, without owing anybody any money. It's weird, because I'm from such a small town in Wisconsin, and I view trades a lot differently than, like a lot of my peers who grew up in the big cities, I know blue collar millionaires, right? People who just, you know, put their nose to the grindstone, pouring concrete. You know, working driving a semi. Only do that for maybe five or 10 years, like my cousins. My cousin pours concrete, and then the other one, I think, works for construction company, the Midwestern work ethic, they're sitting on 10s of 1000s of dollars in their savings account right now. You can make the argument. Well, their back is going to give out in a couple years. And some of that's true. But also, you know, you don't have to be the guy pouring concrete for how long. You could be the business owner, or you could be the guy who's the plumber for 510, years, and then, you know, start your own plumbing business. That's why I don't look at student loans as, like, I need this college degree to, like, make money or be successful. Like, I've met a lot of people who legitimately have that mindset. That's like, I understand that if you've grown up in that sort of, like sphere, you've grown up with those ideas. But to me, it's like, I know if I can't pay for college, or if I don't graduate college, I know I'm going to be fine. I could go, you know, work construction, or I could go, you know, mow lawns or something. I know, I guess I just view it differently. But a lot of people think they need those student loans. So, I mean, they sign up for them. And I looked it up the other day, the average time to pay off student loans is, like, 20 years or something like that. Yeah, I believe it. That is kind of sad. That's insane to me. I want my lawyers going to college. I want my doctors going to college. I want to college. I want all these people to have a good education. But I mean, like 100,000 to $200,000 I just see that, and it's like, oh, I don't know, man, I sign up for the fast flow every year, but I never get anything Free Application for Federal Student Aid, yeah, but I know some people get, like, Pell Grants. If I'm not wrong, I think the Pell Grants are just, I don't know they have to pay those back. It seemed like I was applying for the Stafford Loan. I was lower middle class. I don't think we quite qualified for the Pell grant. The grant being like, free money and a loan of stuff that you need to pay back. Yeah, of course. And of course, in addition to student loans, we regularly have students using credit cards and probably not being able to pay the full balance, is they make their way and try to pay their way through college. That's certainly one thing that I did.    Hunter Taddy  19:28   Here's something for you, DoorDash, my generation and DoorDash is so crazy. I mean, I look at some of these people we have like a desk, at some of the halls, and the amount of people who just DoorDash some of these people are doordashing every night. And that's not cheap, like, that's sometimes it's like 30 bucks just to get Taco Bell or, you know, Wingstop or something like that, and then Klarna, it's like, finance a pizza. Like, what are we doing here?    Keith Weinhold  19:54   Sure, yeah, you're making a down payment on a blooming onion and financing it and making the last payment on it. Years later or something. Yeah, crazy like that, 100% and yeah, I would imagine home ownership is just seen as something that's so far into the future, it's almost unfathomable.    Hunter Taddy  20:12   Yeah, it's funny to me, because, you know, I come from, again, very small town, the cost of living is, like, extremely low compared to the country. I'm pretty sure Green Bay was voted number one place to live by us, News and World Report couple years ago, number one place to live in the United States. But more of the people back home who work these jobs in the trades, like the thought of owning a home seems a lot more real to them than my friends who are in college. And a lot of that has to do with, you know, like we're in bigger cities. Again, people have more debt, but yeah, I mean, you look at those prices of homes, I think the median home price in Anchorage is like $426,000 and just, you know, looking at that numbers like, how am I ever going to afford that? One of my friends, he's in the real estate program. He's got $40,000 saved up. He's got his Roth IRA maxed out. It's weird, because this is one of the points I want to make. So in my generation, you have people who have all these resources, you know, especially with the internet, and they're doing very well with it. They're taking it and they're running with it. And then you have the other part of my generation who's doing the buy now, pay later option. It's almost like a upside down bell curve or something like that. The people who are good are getting so much better, and the people who are making the bad decisions are getting so much more worse.    Keith Weinhold  21:25   Ah, the K shaped economy starts young.   Hunter Taddy  21:27    It's just interesting to see sometimes, because you have some people like, I can't afford this, I can't afford that, and it's like, yeah, being college student is hard. But then it's like, you buy your $6 coffee every day, and it's, you know, I'm guilty of that too. My spending habits aren't the best. And then you look at like home ownership inflation is real. Cost of living is getting higher. But also my dad talks about this a lot like our standards are getting so much higher, too great. Our houses are getting bigger. Kids don't share bedrooms anymore. All our kids have to have our phone. All our kids have to have the newest thing or the newest coat. And you know, you want nice things for your family. I get that, you know, I don't have a family, so I can only talk about this so much. But I mean, our standards are getting a lot, a lot higher as well. I mean, you look at our grandparents houses, and they're like, these, just small, one story houses, one bathroom. You know, I look at the house that my dad grew up and he shared a room with his brother until he graduated, right? And then you look at all these families kids live in their bedroom, it's so weird to me that like siblings, they know each other, but they don't know each other because they're sitting in their rooms all day and they're looking at their phones.    Keith Weinhold  22:31   You surface a good and salient point hunter that a lot of people don't bring up because the K shaped economy that means a widening disparity between the haves and the have nots, but the entire K also keeps moving up, so standards of living continue to get better for both the haves and the have nots, even though the disparity between them continues to widen, and yes, a poor person today has Wi Fi and has Air Conditioning and a lot of minor conveniences that poor people didn't have 75 years ago. You're listening to get rich education. We're doing something different this week, talking to the youngest guest in GRE history. His name's Hunter toddy. We're going to talk more when we come back about what he's learning in classes, economics and real estate classes, because that is one thing that college students do. Remember, I'm your host. Keith Weinhold.    Keith Weinhold  23:24   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/g.R, E,    Keith Weinhold  24:00   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program, why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre,or send a text. Now it's 1-937-795-8989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Robert Kiyosaki  25:12   this is our rich dad. Poor Dad. Author Robert Kiyosaki, listen to get rich education with Keith Weinhold don't quit your daydream   Keith Weinhold  25:26   Welcome back to get rich Education. I'm your host. Keith winehill, we're talking with Gen Z and student athlete Hunter toddy. He's a sophomore college student, and he's got a management degree with a concentration in real estate investing. So yeah, Hunter, tell us some of the things that you've learned about in an economics class or two that you've taken there at UAA.    Hunter Taddy  25:51   So I had an economics class last semester, but the teacher is basically tenured, and he only posted YouTube videos and like three quizzes was like the entire grade. He made us great at 2000 wasn't gonna say and didn't even grade it. So I didn't learn anything about economics, but that was macro, and now I'm in micro. And this professor, he's fantastic. He talks to Anchorage and Alaska legislators all the time. He was on Meet the Press Like he's very, very, very, very smart and well spoken, one of my and professors, and he's also Yale educated, as I understand. Yeah, I always get crap from my cross country teammates because most of them are STEM majors. There's a lot of engineers, and then there's, you know, you have people who are in, like, kinesiology, and then a lot of aviation, but they always give me crap because, like, oh, business, it's supply and demand, blah, blah, blah. But then, like, legitimately, economics has been so fascinating for me, just like, you know, consumer behavior, opportunity cost, trade off. One of the things is rent control, right? Definitely a big conversation, especially in, like, my generation, you know, because of all these rising prices. And then, you know, the landlord always gets the negative connotation, right? Landlords are greedy. I wouldn't even as a college student. Well, you think about rent control is like as soon as you put that binding price ceiling on the rent prices in an area, that's why there's not enough housing on the West Coast. That's why landlords are painting over the light switches, or they're not fixing your toilet, or they're not fixing the leaky sink. There's just a lack of understanding general society about, like, just how markets work and why. You know, businesses make certain decisions that they do. That's one thing with, like, a lot of my generation, is a lot of them are almost anti business, in a sense, right? In a sense, but they love being consumers. What my dad talks about a lot is as the business owner, like when you work for a company, a lot of the times you can clock in, clock out, you go home and you lay your head on the pillow, and you don't have to worry about anything, right? But when you're the business owner, like my dad, and if you have a lot of anxiety, like he does, about certain things, and you stress a lot, you're up at 2am wondering if the LVP you put in someone's kitchen is going to buckle, well, then you're gonna have to go back and fix it all and all these things, and so I definitely have a lot more to say understanding for like business owners and like landlords. Yeah, the economics classes just broaden my understanding of how the world works. I think that's a class everyone should take, and it is a general ed but I think it's a class everyone should pay attention to as well.    Keith Weinhold  28:18   Sure, rent control gives landlords no incentive to make improvements to a property. So yeah, it's good that you're learning about this in econ class. Tell us about some of the other things that you've learned in economics or in your more real estate investor centric college courses.    Hunter Taddy  28:36   So I'll focus more on the real estate stuff. So Dean Widener, Widener apartment homes, one of the top five, I think, largest owners of apartment homes in terms of units like in the United States, right? He basically came to Anchorage, and he wanted to build the Widener program, basically like a farm for property managers, like, you know, give this education. And then they, you know, they come work for widener. They come work for, you know, whoever a lot of the education has to do with property management. So there's leasing, asset maintenance. Talk a lot about operating budgets, risk management. All students in the program memorize the cash flow performer by heart. So, you know, you have gross potential income loss to lease, vacancy, net revenue, other income, expense reimbursements. Maddie poo, which is maintenance, admin, taxes, insurance, payroll and utilities. Have you heard that acronym before? What is it? Yeah. Maddie poo, I pretty sure my professor, like, that's kind of like his thing. I didn't finish it all, but we have it all memorized, and then we do, like, a lot of fair housing and landlord tenant law. Yesterday, in my Real Estate Investment Finance course, we were analyzing loans, and we were making like amortization tables, yeah. And then so we were looking at like interest rates, how a balloon loan works, variable interest rates. I took real estate Maintenance and risk last semester, and that was really awesome. We got to visit buildings all across Anchorage and talk with the property managers, talk about maintenance systems, general maintenance of the property, property management, the day to day, things like that. And then leasing, we actually had us basically go undercover. We have to have three properties, and we go do a showing at all of them, and then we had to review them, and we did a presentation about them, and, like, we basically reviewed them and graded, like the leasing agent, and how they did that one was really cool.    Keith Weinhold  30:33   Okay, so the mock tenant, grading a leasing agent, yeah, then showing you amenities, explaining lease length, things like that,    Hunter Taddy  30:41   and then seeing if, you know, they violated any like Fair Housing things. He said, Don't necessarily try and bait them, but one of the questions that one of my classmates asked, so what kind of people live here? And then the good property manager, you know, it says we rent to anyone that fits our criteria. And then you have some people that's like, oh, you should have said that. Yeah, yeah, it's pretty touchy, age, race, family status, right? Yeah. So we definitely have that drilled in our heads as well, like landlord tenant law and then, like, fair housing, you    Keith Weinhold  31:11   told me something interesting when we got together, when you run the numbers for property, that the numbers always work better in one condition than they do in another.    Hunter Taddy  31:20   So we do cap rate. And so cap rate is noi over value, I believe, yep. So we analyze the cap rates for all the properties, and then we see what is our return if we pay cash or whatever is our return when we pay leverage. And sometimes it's better if you pay cash, or sometimes it's better if it's leveraged. But I always think even if you could pay cash, you pay, say, $3 million for the whole complex, well, you could put a $500,000 down payment on six other properties. So I always thought that was weird, because that's just, I read Rich Dad, Poor Dad, after my dad recommended it to me, and then it just talking to my dad about leveraged investments. Yeah, why don't you do that instead? Oh, he said,    Keith Weinhold  32:00   right, as long as you control your cash flow and pay the mortgage and the operating expenses. Yeah, we typically talk about getting the leverage here, because the appreciation grade has absolutely nothing to do with the amount of equity that's in the property. Is there anything else interesting that you learned from going out in the field and actually seeing some properties or talking to some managers? And I think this is really interesting, because a lot of times when people graduate college, they tend to broad brushstroke students or new graduates, and say, Yeah, but they haven't gotten out in the real world yet, but you actually are as a student.    Hunter Taddy  32:33   Yeah. So that's one thing I really love about our program, and I really love our professor. He owns properties himself. It's not like a pyramid scheme thing where, like, almost like, you're going to college to learn how to be a professor, and sometimes that we need those people for, like, research and stuff. But like, he's actually done the work. He knows what it's like. He can relate to things that we're talking about. Yeah, we get a lot of that real world experience, which is really awesome going about that, like the leasing experience. One of the things with, like, a lot of the managers, especially in Anchorage, because there's such a housing shortage, a lot of them didn't really like try, because they like, almost don't have to, because, I think a lot of them assume you're gonna lease someone anyways, no matter, because it's not necessarily really competitive. So because the vacancy rate is so small, yeah. So it's just like, here's the kitchen. You know, we're actually taught in leasing class, leasing strategies. And also, what's really good about our classes, we read, like, a lot of personal growth books in our classes. So like in our leasing class, our professor had us read The Seven Habits of Highly Effective People, Stephen Covey and yeah. And then I think for our real estate investment class, we're going to read the compounding effect. I don't know what it's about, but I mean, I really appreciate how our professor gives us, like, those books and that knowledge that's not just, you know, specific to real estate. It's like how to become like a better person, or how to become better at personal finance in general.    Keith Weinhold  33:58   All right, so some conceptual and some mindset stuff, along with more of the hands on and more of the numbers. Well, before I ask you, what's next for you, do you have any last thoughts with what you've learned in class, or just anything overall about your generation and lifestyle and getting along financially? For a college student,    Hunter Taddy  34:18   in April, I'm going down to Austin for the property con, which is Institute of real estate management, big conference. I think they have this one every year too. I think John Quinones, the guy from what would you do, is going to be like one of the keynote speakers. So looking forward to that, definitely looking forward to some of, like, learning more about, like AI, and how it's used in, like, the property management, like real estate sphere, and then I'm kind of interested in green building, because it almost seems to be like, Win win, right? Because better for the environment and then better for the investor most of the time, you know, like, through these retrofits, like you're just switching to LED light bulbs, we actually, we ran those numbers a lot in my.In its class. Like, you know, what would it be like if you switch from iridescent to LED light bulbs? And it's like, that's like, what are the things that all property managers should do? Because you're saving, sometimes 1000s of dollars and seven or 10 year period, or whatever it is, improve the cap rate, right there? Yeah, I want to definitely learn more about, like, the green building. And also, just because, you know, I'm a healthy person, when I build my house one day, I don't want to have, like, a lot of toxic materials and stuff as well. I have one friend. He's really, really dialed in his health. They're talked about him with you before, but he, like, he's not even have drywall in his house because there's some, like, toxic thing in drywall, or something, like, he's gonna build it out of brick and mud or something, I don't know.    Keith Weinhold  35:39   Oh, he can't just go live in any rental. Yeah, well, Hunter, this has been really good. Your dad owns rentals in Wisconsin, and like you mentioned, he's red, Rich Dad, Poor Dad himself. So that's kind of an influence on you. And you do have a management internship back in Wisconsin this summer. But before we go on, you mentioned to me that your dad owns a certain type of apartments in Wisconsin, and I've never heard of that type before. What are they called? And then, what does that mean?    Keith Weinhold  36:06   I think the name is local to the city itself in Manitowoc, Wisconsin. So they're called custerdales. I think there were homes built after World War Two, I believe, for like GIS and things like that so well. Just before he got in the Air Force, he was in Saudi Arabia for a year, and he was thinking about, you know, what am I going to do when I retire? Because he knew after the year was done, he was going to retire and come back to Wisconsin. And one of his friends got him into real estate, and he talked to my mom a little bit, and they just started buying properties. So that was in 2018 and now they own about 70 units, mostly duplexes, with their biggest being a five Plex. They also have a 18 bed assisted living facility. Most of the the 70 units are called custerdales. They're all like, cookie cutter, like, the same they're basically the same layout, you know, sometimes it's just flipped or whatever. And he basically did the same thing each time, a lot of them were, like, really run down ones that they purchased had someone with a chicken living on top of the refrigerator. And then when they locked the place up after they bought it, he broke back in and took stuff. And so they've really, actually, like, helped the community in a way, by remodeling a lot of these homes. And then my dad would refinance them, and then he would take that money and then invest it into another property. And he just kept doing that again and again and again. Yeah, so buy and hold we self manage, because there's not really a reputable property management service in the area. This is near Manitowoc, Wisconsin. Maybe you've heard that name before. Manitowoc, they make heavy construction equipment, and you are going back to Wisconsin this summer for a management related internship, yeah, well, Hunter, well, this has been great talking about what your generation's like, what you do in your classes, and the practical experience that you're already getting as a 19 year old. I mean, you're just substantially further ahead than I was as a geography degree student and major way back in the day, if anyone wants to reach out to you, see what you're doing, or contact you. What's the best way for them to do that? Hunter.    Hunter Taddy  38:09   So I don't have Instagram or Facebook, but I do have LinkedIn. So if you just search Hunter toddy again, T, A, D, D, y, on LinkedIn, you can find me there. Also just give my email. It's H hottie 007 at Gmail.    Keith Weinhold  38:26   All right, look that up if you want to reach out to Hunter. Yeah, it's been great having you here. Thanks so much for coming on to the show.    Hunter Taddy  38:32   Thanks forhaving me.    Keith Weinhold  38:40   Yeah, a fresh perspective from college student, Hunter toddy today. He has got his act together amazingly well for a teenager, and you know, talking to him made me think about something like I said when I graduated college, and it was just with a bachelor's degree. By the way, pretty humble bachelor's double major, geography and regional planning, I had that 20k in student loan debt, which I transferred onto 0% APR credit cards, over and over again and inflation adjusted terms, that might be 40k in today's dollars. I had no incentive to pay it down, let alone pay it off, since my finance charges were essentially zero, so that's why I probably carried that balance for close to 20 years. But this is the first time that I thought about the fact that that very habit was probably a benefit to me, not because it saved me from paying interest on student loans, but because it got me comfortable withholding debt for the long term and rationalizing that there would be an opportunity cost of paying off that debt, because a payoff would have meant that I would forego the opportunity of investing those dollars to get gains, that habit got me comfortable with prudently using debt and leverage as a real estate investor, and that helped me own and control more property sooner. So it was a somewhat autodidactic approach to good debt. Today, we talk with a young, likely soon to be investor, oppositely next week here on the show. We're talking about the book end, on the other side of the shelf, and that is when you're ready to retire from real estate, you can exchange your properties into a fund, pay zero capital gains tax or depreciation recapture. And unlike a 1031 exchange, what you've done is you have totally exited the direct real estate business with a 721, exchange, and you still get financial upside with zero management duties retired. Finally, if you've ever wanted to tell me what you think about the GRE podcast, if this show has given you some fresh perspective or helped you become a better investor. The best way to support the show is to leave a quick rating or review. It helps more investors discover the show. Here's how to do it inside the get rich education Show page on Apple podcasts, scroll about halfway down to ratings and reviews. Tap the purple stars to rate, and then tap the purple words write a review on Spotify from the get rich education podcast, tap the three dots near the top of the show page, tap rate podcast and leave your star rating. That's all it takes. It's crazy that this show has almost 6 million total listener downloads, but yet, across all platforms, we have perhaps only 1000 reviews, and that's probably because I rarely ask for them. I would greatly appreciate it. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  41:59   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  42:27   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

In this powerful episode of The Free Thought Project Podcast, Jason and Matt sit down with Dominick Izzo, a retired 16-year veteran police officer who transitioned from the "golden boy" of his Chicago-area department to a vocal whistleblower. During his tenure as a Use of Force expert and Field Training Officer, Izzo exposed illegal surveillance within his own department and called out the coerced confession of an innocent woman by his corrupt chief. Today, he is the author of Before the Badge and the host of Cop Talk LIVE, where he actively warns the public—and potential recruits—about the toxic, unconstitutional nature of modern law enforcement. We start out the podcast talking about why Dominick initially joined the police force and walk through the uncomfortable, slow process of his awakening to the deeply corrupt incentive structures baked into modern policing. He shares an incredible full-circle story about reading a critical article The Free Thought Project wrote about him years ago. He admits it initially pissed him off, but as the veil began to lift, he realized TFTP was absolutely right. This leads us into a deep dive on the reality of policing for profit, exploring how the justice system has fundamentally shifted from "protect and serve" to a massive, state-sponsored revenue collection machine. We then shift gears to discuss the terrifying surveillance net currently being cast over the country, from ubiquitous Flock cameras to automated license plate scanners tracking our every move. The conversation naturally transitions to the paramilitary shift of ICE. Dominick shares his unfiltered thoughts on the recent tragic deaths of U.S. citizens Renee Good and Alex Pretti at the hands of federal agents. He contrasts his past experiences working alongside the old INS with the masked, unaccountable ICE "Metro Teams" we see stomping on the Constitution today. Can the current policing system actually be reformed? Dominick answers this by dropping one of the most profound statements ever made on this show: "Every American should be a threat to the police." We then close the show with our solutions-based segment, We ask Dominick how everyday people can bridge the manufactured political divide, talk to their "Back the Blue" family members without choking each other, and unite against the actual overreach of the state. (Length: 1:18:06)  Click Here to Support TFTP. Follow & Support Dominick Izzo: Website: coptalklive.org https://coptalklive.org/ YouTube: @coptalklive https://www.youtube.com/@coptalklive Instagram: @dominickizzo https://www.instagram.com/dominickizzo/ Book: Before the Badge on Amazon (https://a.co/d/0dn3x92F)

The technology's supposed to make Colorado safer but it comes with concerns about privacy and misuse. Flock cameras, and other license plate readers, are installed across the state. In Purplish, CPR's Bente Birkeland and Denverite's Andrew Kenney dig into the evolution of surveillance tech and efforts to restrict it. Then, Ryan saw a sign the other day for a "Robot Massage" and had to check it out. 

The free agency frenzy continues, but the Seahawks are mostly sitting out when it comes to the biggest names. Swing tackle Josh Jones returns on a one-year deal and key special teams players are also back with the team. Seattle makes their first two additions from other teams by adding running back Emanuel Wilson from Green Bay and Rodney Thomas II from the Indianapolis Colts. Jake Bobo gets an RFA tender, but does it definitely mean he's locked in for 2026? Brandon Pili re-ups on the interior line, and Dareke Young joins Klint Kubiak in Las Vegas. We talk about some NFC West news as the 49ers trade for Osa Odighizuwa, and close with the idea that a trade for Maxx Crosby could still be on the table. Support the show Get in the Flock! Visit GetInTheFlock.com Or visit our website for other ways to support the show Subscribe via: Apple Podcasts | Spotify | Google Podcasts | YouTube | TuneIn | RSS Follow us on: Facebook | Twitter Listen on our free app for Android, iOS, Kindle or Windows Phone/PC Call or text: 253-235-9041 Find Sea Hawkers clubs around the world at SeaHawkers.org Music from the show by The 12 Train, download each track at ReverbNation    

Flock cameras, and other license plate reader systems, are installed all over Colorado. The technology gives law enforcement access to a new level of tracking, a reach they say has helped them solve all kinds of terrible crimes and made the state safer. But community fears that law enforcement could misuse the data and invade people's privacy, and share it with federal immigration authorities, are mounting — and getting the attention of state lawmakers. CPR's Bente Birkeland and Denverite's Andrew Kenney dig into how this kind of surveillance tech has changed in recent years, the arguments for and against it and how some Colorado lawmakers hope to restrict how law enforcement can access this data. Catch up on our latest coverage: New restrictions on police surveillance advance in state Senate Denver fires Flock, prepares to switch to new roadway surveillance system Officer faces discipline after using Flock cameras to falsely accuse Denver woman of package theft Police used Flock cameras to accuse a Denver woman of package theft. She had her own evidence Out-of-state cops had access to Denver license plate data for immigration cases for months Denver is at the center of a viral national fight over surveillance Purplish is produced by CPR News and the Capitol News Alliance, a collaboration between KUNC News, Colorado Public Radio, Rocky Mountain PBS, and The Colorado Sun, and shared with Rocky Mountain Community Radio and other news organizations across the state. Funding for the Alliance is provided in part by the Corporation for Public Broadcasting.Purplish's producer is Stephanie Wolf. Hazel Feldstein assistant produced this episode. Additional reporting from Denverite's Kiara DeMare and Kyle Harris. Megan Verlee is the executive producer. Sound design and engineering by Shane Rumsey. The theme music is by Brad Turner.

In the open comment period, at the March 5, 2026 Troy City Council Meeting, there were some 45-minutes of community concern and questions about the Flock Safety cameras that are installed throughout the city. Now, according to a News10 article, "the Troy City Council will make a decision on which company to work with when their two-year agreement with Flock Safety ends at the end of the month." Today we air some excepts from a few community members who spoke at the March City council Meeting starting with Deidre Shea.

First, Elizabeth” EP” Press reports from the Troy City Council meeting on March 5th on Flock license plate cameras in the city. Then, CiTi BOCES SYNERGY Teacher Ms. Gorman joins us in studio to talk about the art of teaching Later on, we hear about the event “Run, Hide, Fight” a Youth Storytelling Workshop coming to the Sanctuary on March 21 in collaboration with WMHT Public Media. After that, Richard Sleeper interviews with Glen Hodge, author of Finally, Niyani Holt speaks to Rosemary Armao about her experiences building trust across diverse communities through authentic narratives in journalism. Hosted By: Ember, Jacob Boston, Richard Sleeper | Produced By: Jacob Boston

St. Patrick's Chicago River dyeing, Google Maps' major upgrade featuring a new AI-powered 3D redesign, the Oscars, Dan Levy's new show, Taylor Sheridan's new drama The Madison, chickens overrunning an Old North Sacramento neighborhood, Riley's weekend plans — plus more news. Plus, City of College Station Deputy City Manager Jeff Capps joined WTAW's Scott DeLucia to talk about water conservation and supply, the effort to unionize the fire department, Flock cameras, and more. 

Partnership isn't just a division of equity, it's a defining strategic move.But what do ambitious founders do before offering equity? What's the recipe for success?In response to a recent LinkedIn post from Polaris Partnership Executive Mark Flock in which he poses 5 questions EVERY founder must ask themselves before considering partnership, Jamie invites Mark back to the show for a thought provoking exploration of how modern founders are rethinking partnership earlier in their growth journey. The conversation is no longer “Should I partner?” but begins with “What am I solving for?”For driven healthcare founders, this episode addresses why partnership is never a participation trophy but rather a strategic inflection point designed to intentionally unlock the next stage of growth. Listen to the full episode today to learn how you can launch your own expansion and stay in control of your legacy.Find Mark's LinkedIn post here: https://www.linkedin.com/feed/update/urn:li:activity:7434619499578007552/5 Questions from Mark Flock's LinkedIn post: “What am I solving for?”“What structure secures my legacy?”“What partner amplifies what I've built?”“How do I protect what I'm continuing to build?”“How can I plan for an exit or retirement?”

It's the end of an era...and the start of a new one! For the last episode of "What Are We Building?" I welcomed Police Chief Kevin Warych to the show. Chief Warych was an open book, willing to discuss staffing challenges, and the impact of the referendum, as well as issues around immigration enforcement and Flock cameras.I also gave an update on my newest venture, Sun Prairie Rising (and the Sun Prairie Rising podcast), along with updates on new condos, Sonic, and the Derby District. Follow @sunprairierising on Facebook and sunprairierising.com for new episodes, news and info!

In the second hour of the show: - talk to Executive Vice President and Chief Marketing Officer Your Miami HEAT - NFL News Ravens backout of trade for Raiders DE Maxx Crosby due to a failed physical pivots and sign FA Trey Henderson and Daniel Jones reaches a 2 year deal with the Colts with 88 million, with 60 million guarantee.

Anthony Thaxton talks with student, Yui Kurosaka, about EMU's Japanese Student Association (JSA). Produced and Hosted by Anthony Thaxton

Goose is headed back to Europe for the first time since Fall 2023, and we're getting you fully prepped for the adventure!This episode, Leighton sits down with Marinda Snowjams, Valerie Minor, and Casey—three Femme Flock community members who experienced the last Goose Euro run firsthand. Together, they reflect on what it's really like to follow the band overseas. From booking trains and navigating new cities to the realities of budgeting, they share honest insights and unforgettable memories about the magic of tiny venues and seeing the same familiar faces night after night.We talk about how a European tour feels different from a U.S. run, what surprised us most about hopping between countries, and the practical things you'll wish you knew before you go. If you've been thinking about making the trip in 2026, this episode might be your sign.Buy the ticket. Take the ride. Flock on.Stay up to date with The Femme Flock! Our WebsiteInstagram @the.femme.flock TikTok @FemmeFlockTokBluesky Facebook Fill in our Get Involved form here if you want to join the flock!

Free agency opened with a bittersweet start for our Seattle Seahawks as Super Bowl MVP Kenneth Walker signed with the Chiefs on a record-setting deal for a running back. All the best options for replacing K9 were gone by the end of the first day. So are we going to be looking toward the draft? Other departures included Boye Mafe landing with the Bengals and Coby Bryant heading to the Bears. Before discussing who is returning, we talk about how wide receiver contracts around the NFL are sparking sticker shock. Seattle's biggest wins come in-house: Rashid Shaheed re-signs on a three-year deal and, most notably, Josh Jobe returns on a contract that appears to be a steal for the production he provides. Between cornerback Riq Woolen and swing tackle Josh Jones, those participating in chat had a clear preference of who they'd like to see prioritized in the coming days.  Support the show Get in the Flock! Visit GetInTheFlock.com Or visit our website for other ways to support the show Subscribe via: Apple Podcasts | Spotify | Google Podcasts | YouTube | TuneIn | RSS Follow us on: Facebook | Twitter Listen on our free app for Android, iOS, Kindle or Windows Phone/PC Call or text: 253-235-9041 Find Sea Hawkers clubs around the world at SeaHawkers.org Music from the show by The 12 Train, download each track at ReverbNation  

Flock Safety says their cameras have never been hacked. Benn Jordan and Jason Koebler watched themselves on one from their homes. This week: a deep dive into the vulnerabilities, the no-opt-out tracking, and a simple question: Does any of it makes us safer? Learn more about your ad choices. Visit megaphone.fm/adchoices

Forward Madison FC's season officially kicks off this weekend! And the team is looking much different than it did last year. Plus the new women's team, Rally Madison FC, will hit the pitch this summer. To catch us up on all things soccer — or football, if you will — host Bianca Martin chats with Rob Chappell, executive editor at Madison365 and host of the 608 Soccer Show podcast. 

Keith is joined by housing market intelligence authority Rick Sharga—a frequent guest on outlets like CNBC and Bloomberg who "quietly gets it right" rather than chasing clickbait crashes. Together, they dig into whether America really has a housing shortage and how that lines up with what you're seeing in prices and inventory.  They explore why entry-level homes are so constrained and what that means for both investors and homebuyers.  They also examine how mortgage rates, builder behavior, and demographic shifts could shape housing demand and investment opportunities over the next several years. Episode Page: GetRichEducation.com/596 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE I'm your host. Keith Weinhold, does America really have a housing shortage? And if so, how long will it last? Those answers and more, with an expert guest and I today on get rich education.   Speaker 1  0:19   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:03   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:36   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  1:46   Welcome to GRE from Nantucket, Massachusetts to Pawtucket, Rhode Island and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack jawed act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education. I'm still not wearing a pair of knockers, and I've returned here to bring you more value than your HOA dues. It's kind of crazy that America First put a man on the moon, and we're the first nation to put a man on the moon in 1969 and yet today, we have trouble housing our own people here on Earth. Shortly, we're going deep on does America really have a housing shortage first? Sometimes real estate investors can learn lessons from the stock market about the future direction of housing prices and demand and just simply what assets people have demand for, how AI is disrupting some stock sectors. Has been rather germane lately. One CEO made this perfect example. It's about how two different stocks travel search engine Expedia and Delta Airlines, those two stocks were once closely tied together. Their share prices used to be correlated, but they've gone in separate directions. See, Expedia offers you a service that can be replicated by bots, but delta has actual planes that take you somewhere, and it's hard for AI to replace that. This is why there's been a recent push toward more tangible stocks and tangible assets, a divergence, an attraction to assets that give you a share of either a tangible good, or, in the case of something like an airline, a service that's directly tied to something tangible. And similarly, commodities like gold, silver and copper cannot be replaced by AI. Neither can real estate. There is a growing sense to own things that can't be disrupted, dematerialized and demonetized by AI, like so much software can. In fact, as overall stock market valuations are lofty. You know, some people have become rather wary of an AI speculative bubble that perceptive to this demand. Just a few weeks ago, Goldman Sachs introduced an everything but AI index, yeah, where you can invest in a basket of companies that are sheltered from Ai disruption, this everything but AI index that's attracting investors. In fact, there's another trend that interfaces with real estate that just launched recently too today, you can wager on future homes. Prices through the platform, poly market, yes, place bets for profit or loss on the future direction of the median home price. In fact, one recent college graduate joked, I was born too late to afford a house, and born just in time to gamble on people who can buy a house? Yeah, you're probably familiar with poly market by now. It's the prediction market that lets you speculate on things like elections and Fed rate decisions and various geopolitical events and other real world outcomes. Well, they have launched a set of real estate markets that allow users to bet on future home values. The way it works is that you can wager on future home values in New York, Los Angeles, Miami, San Francisco and Austin, Texas, as well as US national home values. So that's six different markets. Now I haven't gambled on Poly market, I had checked it at times to get an idea of where people really think markets are headed or what's going to happen next. Because, rather than major media, where sometimes as a hype machine, they create headlines that scare you in order to try to get clicks, well, instead of all that, regular people are placing their money on polymarket, and you can look at what that action is like, because that can be a more reliable harbinger of future price direction at last check with a national median home price of about 420k with the numbers, poly market is using one month from now, 66% of people think that home prices will rise. And it's more nuanced than that. You can bet on just what price range you believe home prices will fall into one month from now. And this is nothing that I recommend wagering on, but besides an interesting trend, yeah, you can get that idea of where real people actually believe markets are headed. As we're about to talk to national housing expert Rick sharga on whether or not we really have a housing shortage, we've got new data about the level of housing permits. Of course, housing permits are a gage of the level of future housing inventory, because after a permit is issued, it's typically six to 12 months until a single family home is built. But I'll share that with you near the end of the show, because it makes sense to cover this with you in chronological order. We'll discuss housing supply first, and then I'll tell you about the future supply direction based on housing permits. Now, you know from the inception of this show in 2014 I talked about the why of real estate investing before the how with anything in life, it's only when you truly know why you're doing something that you'll profoundly care about the how and you'll want to do it well. In fact, when I do an in person real estate presentation, one of the modules that I teach most often is simply called Why real estate. The biggest Why is not altruistic, although that matters, and that's part of it. But instead it's that real estate pays five ways. That's the biggest why any GRE devotee knows that the five ways are simultaneously paid, are appreciation, cash flow, ROA tax benefits, and not inflation hedging. But specifically inflation profiting. Yet I have found multi decade real estate investors that don't understand this, the most valuable hour that you can spend is knowing all the ways that you're paid and seeing and believing how your total rate of return of 20% 30% or even 40% is not far fetched or risky, but it's actually common and even estimated conservatively. If you're initiated on this, you already know, but if you aren't, it can sound a little hard to believe what I just said right there, I recently reshot the entire real estate pays five ways video course, and it's the most valuable hour of investing video content that you're likely ever to see. It's premium, masterclass level content. I'm just giving it away for free because people need to know this. And actually, on the newest shoot, I've condensed it down into just 40 minutes of content across the five videos, one instructional video for each of the five ways you're paid. The videos average eight minutes. So that's about 40 minutes total, and they build on. Each other. So at the end of each one, you get to see your cumulative rate of return. It just keeps adding up, and you know exactly where all of the numbers come from. That's why it's more conducive to video form than audio form. I know that many of you have seen it, but if not, it is foundational, and I cannot recommend it enough. It's free and available to you now. At get richeducation.com/course, get that now, while it's on your mind. At get rich education.com/course, more next, I'm Keith Weinhold, this is get rich education.   Keith Weinhold  10:39   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.   Keith Weinhold  11:16   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Kathy Fettke  12:27   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold. You   Keith Weinhold  12:46   Is America really short millions of homes? If so, that doesn't mean every market is undersupplied, and prices can only go up because of it. If there's a housing shortage, why are prices falling in some cities? So the shortage? Is that something that's real, or is it just misunderstood, and you're gonna learn what it means to you? I'm get rich education's Keith Weinhold along with an intelligence authority today that usually gets it right. In fact, I found an old clip of him on Bloomberg where he suggested home prices bottoming in 2011 and as it turns out, they sure did today, together, we're answering the question, does America really have a housing shortage? And my guest has often appeared in major media, CNBC, Fox NPR. He's the founder of the CJ Patrick company. Hey, welcome back to the show. Rick sharga,   Rick Sharga  13:39   good to see you again. Keith, thanks for inviting me.   Keith Weinhold  13:41   You know, it's funny. Four years ago, Rick and I found each other, and we sort of checked each other out. I found him to be an authority that just doesn't go on saying this bombastic and absurd stuff just to get attention. Instead, he quietly gets it right, and when he knew I had a real estate YouTube channel, similarly, I resonated, because I'm not one of these people that's constantly saying that housing prices are going to crash just to get views and then those crash. People never follow up when they're wrong, and they've been wrong for about 14 years now. But Rick, rather than prices, we're here to understand if there's really a housing shortage today, most agencies believe we have a shortage. Moody's will tell you 2 million. Zillow, four to 5 million. Congressional Republicans have gone on to say 20 million. I sure don't know about that. And then yet, Rick sometimes at the same time, you do see these conflicting stats, where it says that sellers outnumber buyers today, which sort of flies in the face of a housing shortage. So what is your take amidst all this?   Rick Sharga  14:46   Well, Keith, I think what we're seeing is a fairly obvious example that if you torture data enough, you can make it say anything in the right you wanted to say. And there is a lot of confusion about how much. A housing shortage we really do have. It's not like we have 20% of the population unable to find anywhere to live. Most people still prefer to live indoors, and they've been able to do so, but the fact of the matter is that all of the math suggests that we are underserved in terms of the number of housing units available across the country, and we can go through some of the math. The big question, of course, is, how many houses are we short? How many housing units are we short? And the reason the numbers are all over the place, and as you suggested, let's set aside the Republican estimate of 20 million, because there's, there's certainly something political going on there, but the estimates range from around a million to as high as five or 6 million. And the reality is all of those estimates are counting something different. Some are counting housing growth versus population growth. Some are counting vacancy rates compared to historic levels, some are counting inventory available for sale today versus inventory available to sale in prior years. So each of these organizations, and they're all pretty reliable organizations, Moody's is certainly good. Zillow's research team is top notch. Fannie Mae and Freddie Mac the National Association of Realtors. None of these people are hiring dime store economists. They're all good folks, but they're all measuring something slightly different, which is why these numbers come out all over the place, and the one of the fundamental challenges is trying to figure out housing shortages compared to what, or compared to when. All of these estimates assume that there was some point in history when we had exactly the right number of housing units to suit the needs of the population. So they start with some point in time, and I think if you did enough research, you find they all start at slightly different points in time, and then kind of work their way forward from that and come to very different conclusions, again, based on where they started and where they ended up, and what they count. The one thing I would push back on a little bit from some of your comments in the intro is that I am highly, highly skeptical, extraordinarily skeptical of the reports that talk about how many more sellers we have than buyers, because that makes some wild assumptions about the number of people that are actually interested in buying a house. And I've never seen any research methodology that's really nailed that number accurately. Because nobody knows if you're thinking about buying a house right now, until you go to an open house until you do a search on on Zillow, or realtor.com or homes.com until you actually are applying for a loan or making a deposit. So the notion of being able to mind read three 40 million Americans to figure out how many of them are interested in buying, I think, is a neat trick, but I do think it's at least in part one of those methods that people use to get a lot of clicks to their website   Keith Weinhold  18:05   right? This whole thing of and I think when we talk about sellers versus buyers, that's shorthand. What we really mean are, there are some stats out there that show that prospective sellers outnumber prospective buyers, in some cases, which, yeah, I think I agree with you there. I doubt that as well. And yeah, of course, I think you're getting on some of the nuance here. We're trying to predict how some people would behave. For example, how much pent up demand is there when we're talking about sellers versus buyers, and we're talking about a shortage, for example, say, the 28 year old living with their parents that could move out and afford to buy a home if mortgage rates hit 5% like for example, how do you count that? Or, how would you even know to   Rick Sharga  18:53   it's a valid point. Keith, and I think that fundamentally, is my question. With that particular report, you really can't count that person. We do have some metrics that we follow, and it's funny, you mentioned that 5% mortgage, because as we record this, mortgages have broken that 6% threshold for the first time in a number of years. And just about every kind of mortgage you could buy right now is below 6% so that's a good thing. And every time we've gotten close to that 6% mark. In recent years, since mortgage rates doubled back in 2022 we've seen a huge influx of people applying for purchase loans, for those mortgage loans to buy a house, those numbers are up somewhere between 13 and 15% year over year right now, and that's before we've really had these mortgage rates dip below 6% so to me, that suggests there really is pent up demand out there, and I judge that just based on what I see in terms of a number of people actively applying for a loan.   Keith Weinhold  19:54   Yeah, there's a lot of nuance here. HUD tells us that we have more. Homeless people than we've ever had in this nation. So that's sort of an extreme affordability problem. To your point earlier about how most people want to live indoors, and I'm sure not making light of homelessness. It's a sad situation, but we're always going to have homeless people regardless of whether we have excess housing or a housing shortage. We have about 146 million housing units in the United States. The census shows and suggests that 8 million of those 146 million are housing units where people have doubled up and are sharing space with non relatives. That's one way to think about the level of pent up demand within the shortage,   Rick Sharga  20:44   I don't know if that's a result of shortage necessarily, or if that's a result of having the weakest affordability for people looking to buy homes that we've had in over 40 years. The last time affordability was as bad was the 1980s and the reason affordability was bad back then was because mortgage rates were at 1819, 20% and it made it very difficult for people to afford homes. But we're coming out of a very unusual cycle, and this is a little bit off topic from our inventory question, but it's the only time in US history when two conditions have hit the housing market back to back, if you go back to covid, coming out of covid, we saw home prices go up nationally by over 50% in about 18 months. It was a huge, huge, unprecedented increase. Yeah, and right on the heels of that, as inflation started to get out of control, the Federal Reserve had to take pretty extreme measures to get that back down. So they started playing with the Fed funds rate, and we saw mortgage rates double in 2022 in the history of the country, according to Freddie Mac we've never seen mortgage rates double in a calendar year. And in 2022 They not only doubled in a calendar year, they doubled in the space of a few weeks. So we're coming out of a period where home prices went up by over 50% and then mortgage rates doubled, and it just crushed affordability. So the people that have been looking to buy a $400,000 house suddenly realized they could only afford a $200,000 house, and there were none of those around. It's really why home sales have gone down as rapidly as they had volume of sales. In 2021 we sold 6 million existing homes. In 2022 it dropped to 5 million. And for the last three years, we've been sitting at around about 4 million annual sales of existing homes. And again, that doesn't suggest a lack of inventory, a lack of homes, because there are fewer people buying, and there's more properties staying on the market longer. But the underlying numbers, the underlying metrics we would look at, are where we can start to kind of deduce that there aren't enough homes. For example, you mentioned that there are about 146 million housing units across the country. Most recent census data I have from the end of 2024 says it's about 140 748, 40 748 million. So it's up just slightly from your number. That represents a growth of about 6.7% in housing units between 2010 and 2024 during the same period of time, the population went from about 309 million to about 340 1 million, and that represents a growth rate of about 7.4% so if everything else stayed equal, your population grew at a faster rate than your housing units did. And that suggests that even if the number of housing units was ideal back in 2000 it's somewhere less than ideal by the time we got to the end of last year,    Keith Weinhold  23:42   we're talking with Rick sharga. He's the founder and owner of the housing market intelligence firm, the CJ Patrick company. We're answering the question, does America really have a housing shortage? We're getting a yes there. And before we're done, we're going to talk about, how long could the shortage persist? But Rick, you spoke to affordability, and I think that has a lot to do with the nuances within the shortage, and that brings up shortages within the luxury tier versus shortages in the entry tier. And the entry tier is really what a lot of our listeners and viewers are interested in, because we're used to buying those as rental properties. So can you tell us about that?   Rick Sharga  24:23   It's a great point, Keith. And what we've been talking about so far is kind of a structural shortage in the overall number of housing units that could be purchased, could be owner occupied, could be rented. And one of the culprits there, and I will answer your question, I promise, one of the culprits there is that builders simply haven't built that much. If you look at the long term average, like 2025 years, the average number of housing starts was somewhere between 1.3 and 1.4 million a year coming out of the Great Recession in 2010 so you look at that last 15 year period or so, 12. Of those years, they've started less homes than that long term average. So builders simply haven't been keeping pace, not only with population growth, but also with just the ability to create enough homes in general, to offset the number of homes that are obsoleted every year, that get bulldozed every year. So there is a structural shortage. To your point, if you look at inventory available for sale, we are up about 9% year over year, but we're still down about 15% from where we were prior to the pandemic. So there are fewer homes for sale than there were back when the market was functioning more efficiently. The most drastic shortage is at the entry level builders simply have not been making a lot of entry level properties. There's a reason for that. There's some independent research out there, including some research from Fannie Mae that suggests that the pre construction cost a builder has to absorb before they break ground is over $100,000 across the country, on average, higher than that, where I'm calling you from today, in California, it's about 120,000 there. If your table stakes are 100,000 $120,000 it's really difficult to make a profit on an entry level property. So the builders, I think understandably, have been focusing on higher dollar, higher value properties and not replenishing that supply that we need for first time buyers and the kind of properties that real estate investors tend to like. The other problem we've had, Keith, is that when those mortgage rates doubled, the people who had purchased those entry level homes refinanced into a two and a half 3% mortgage and are now sitting on a $300,000 property, let's say or $250,000 property with a two and a half percent mortgage. And if they wanted to trade up, they'd be trading up to a four or $500,000 house with a 6% mortgage. And they simply can't afford to do that. So the combination of entry level owners staying put at much larger numbers and builders creating new entry level homes at much smaller numbers has really created kind of a crisis of inventory at the entry level segment of the housing market.    Keith Weinhold  27:18   Yeah, when we talk about that crisis of inventory in what's available. I'm not talking about shortage numbers now. I'm talking about the active listing count. This means more or less available homes to buy. This includes single family homes and condos. We have an active listing count of around 1 million today. The historic average is around 2.2 million, and that peaked near 4 million during the global financial crisis. So today, only about one quarter as many active listings, available homes as at the peak,    Rick Sharga  27:54   yeah, only about half as many as, let's call it a normal market, and that's one of the reasons. I think the first time you and I spoke on your podcast, we were talking about all the online snake oil salesmen who were predicting a home price crash. But that's one of the reasons why home prices haven't crashed, and why they've kind of continued to grow, at least at a modest pace, and in some cases now are starting to decline a little bit. But that lack of inventory on the market. When you don't have enough inventory to meet demand, or just barely enough to meet demand, that means that seller doesn't really have to negotiate all that much. That means that buyers are kind of at a disadvantage, and so as long as that's the case, you'll see home price stability. That doesn't mean that every market is going to see prices go up. But if you look across the country right now, if you look at markets where home prices are down even marginally year over year, you're looking at the Gulf Coast states, you're looking at some other southern markets, Las Vegas, Phoenix, you're looking at some outlying markets like Boise, Florida, certainly, and Texas. And those are markets where inventory is actually considerably higher than it was a year ago, and in some cases, considerably higher than it was back in 2019, if you look at markets where prices are still going up a lot, Midwest, Northeast, those are still markets where there's not enough inventory to meet demand. So that relationship between available inventory for sale and demand is really what drives pricing    Keith Weinhold  29:23   this whole discussion, which is really about the supply, just in the economics one on one. Adam Smith of supply versus demand. A lot of people, just like including my dad, when I was telling him about housing, something he doesn't follow. And I told him that prices are up the most in the Northeast and Midwest. That surprised him. He was like, No, well, population growth is lower here and lower than Pennsylvania, where he lives. And that's when I brought up, well, they're under building there. So in parsing this by geography, Rick, I think another way that we can do it is parsing the housing shortage by the single family homes versus apartments, because it's. Pretty well documented that nationally, apartments could be seen as overbuilt, and single family is under built. Do you have any details with respect to that?    Rick Sharga  30:08   We talk a little bit about that, and quick shout out to both of our home state, Pennsylvania, yeah, Phil, Philadelphia actually had some of the highest annual price increases right in their home sales last year. But part of that isn't just because they haven't been building a lot in Philadelphia or the suburbs. It's because we see people moving from higher priced markets into lower priced markets. So we have people actually commuting to New York who have bought homes in Philadelphia or the Philadelphia area. They can get much more house for their money there. They're not subject to some of the wage taxes that happen in New York State. They just get on that Amtrak and train into the city every day. So there is some of that going on across the country too, as we still see net migration of people moving out of states like California, New York and Illinois into nearby states where the cost of living is much lower. That slowed down since covid, since a lot of companies have been requiring people to come work back at the office. But it is still happening. It is still happening in generally the same direction you raise the issue of inventory for rental units versus inventory for, let's say, owner occupied properties, we have seen a plateau in the number of single family rental homes. So the stuff you're hearing out of DC, that you're seeing the media about the really important ban on institutional investor buying is really much more sizzle than substance. Oh, right. Institutional investors are owned and are buying a fraction, but we've seen over a million apartment units come online in the last 18 months. It's about the largest number of apartments that have that have sprung up and in that shorter period of time on record. And we've gotten to a point where in some markets, there's actually a little bit of an oversupply of those apartment units now that will balance itself out over the next couple of years, because multifamily building starts are way down too so we're not seeing a lot of activity there as builders hold off, waiting for this new inventory to get absorbed. But to put it in perspective, vacancy rates went from near zero back during covid in those apartments to over 6% last year. Rental rates have gone down from 15% year over year, increases back in 2020, 2021, to negative numbers nationally in the last year, just talking apartments, just apartments. So we have a short term mini glut, if you will, of apartments. It will be absorbed rapidly. We have 92 million people between the ages of 26 and 54 who are have either formed households or are about to a lot of them would like to be homebuyers can't afford today's prices, so they're renting instead. And about 5 million people a year are turning 35 which is when, you know, we parents start literally kicking them out of the house. So I think that rental overage will resolve itself, really, in the next 12 to 18 months. And if the builders don't start building new inventory by that point, we'll wind up with another shortage on the housing front, I'm of the opinion that we're at least a million homes short compared to what demand should be. I think the number is probably somewhere between one and 2 million. And again, I'm doing that simply based on a slight decrease in vacancy rates, population growth and the aging of the population. What could throw all of our numbers off? Keith is one of the X factors in demographics and population, which is immigration. Population growth, if it's organic, if it's by birth, does have an effect on housing, to an extent, but it's it's more nuanced, and it takes longer to really show itself if you're dealing with adult immigrants coming into the country, particularly immigrants who are coming in for jobs and have income that they can spend on housing, your housing demand goes up quickly, and that can have some local market repercussions depending on where the immigrants are going.   Keith Weinhold  34:18   In Philadelphia is not a coastal city. Its cost of housing is surprisingly low to a lot of people, but it's not on a coast. Just look at a map. Well, Rick, as we're winding down here, how long could the housing shortage persist overall?   Rick Sharga  34:33   I think we're in a period of time right now where builders are reluctant to overbuild. They got caught in the great recession with about a 13 month supply of homes available for sale, and then as home prices crashed, they were competing with their own inventory from the prior year, and many of them took a real beating financially during that period of time. So I don't expect we'll see builders overbuild anytime soon. And that tells me that we're probably looking at at least another three to five years before we can have a rational conversation about housing numbers kind of leveling off to be where they should be. We mentioned immigration. That is an X factor that could extend the housing shortage. If we start to see more immigration coming into the country, it could mean that we don't need as many houses as I suspect, if we have fewer people coming into the country. And the other x factor here is the boomers, the baby boomers of any generational cohort, probably have the highest home ownership rates right now and ultimately will age out of their properties. They've stayed there longer than any prior generation has, and that's also contributed to the inventory shortage, as opposed to the housing shortage. But as a friend of mine said, and it's a little macabre, but as he says, boomers will eventually leave their homes, either vertically or horizontally, so that will bring some inventory back to the market as well   Keith Weinhold  35:58   housing supply. It is rather inelastic, and we're probably going to be in this shortage for a number of years. Well, Rick, tell us how and why people consult with you and then just how they can do that.   Rick Sharga  36:12   Yeah, I work with mostly companies that are in the real estate or mortgage industries. Keith, I typically prepare a lot of market intelligence reports to them. It's real estate data, economic data, mortgage data. For some clients, I do foreclosure reports. They know what's going on in terms of delinquencies and defaults. For others, I do research on investor purchase activity, what they're buying, what they're selling, what they're paying, where they're doing all this. So anything that's data related to real estate data, mortgage data, economic data, I'm kind of neck deep in and I'm very easy to find on either LinkedIn or x. So if anybody's listening today and wants to connect on those platforms, just reach out and tell me you saw me on the GRE podcast, and I'll know you're legit.   Keith Weinhold  36:56   Housing supply is coming up short, but Rick never does. It's been great having you back on the show.   Rick Sharga  37:02   We'll do it again soon, Keith, It's great talking to you.   Keith Weinhold  37:10   Do we really have a housing shortage? The answer is yes, and the number of units short is one to 2 million. The shortage is worst in the entry level home segment, which matters so much to us as investors, we are owning an asset that's going to have sustainable demand for quite a while into the future. Rick indicated that it could take perhaps three to five years just to get back into balance. Now, we recently learned that there were fewer housing permits issued last year than there were in any year since 2019 and housing permits are an indicator of the future home supply. They had their recent peak five years ago with 1.7 5 million, and last year, there were just about 1.4 million. So home permits issued are 19% lower today than they were back in 2021 this is a harbinger of supply, because from the time that a permit is issued, it takes six to 12 months to complete a single family home. It's about six months to build a tract home, and closer to 12 months for a custom home. For apartments, it can take in excess of 24 months to deliver that period of time from permitting to completion. So nationally, we should continue to see scarce supply in the one to four unit space, keeping upward pressure on prices again for the most valuable 40 minutes of educational real estate investing material around you can access my premium real estate pays five ways, master class of five videos, totally free. And you know how I operate. I don't try to upsell you to some paid course. Either. It's just truly free. I'll send it to you. You can access it at get rich education.com/course coming up on future episodes here on the get rich education podcast, we're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished guests. Next week, the youngest guest to ever appear on the show is going to be with us. He's a 19 year old college student with a real estate investing related major. How does he see Gen Z's financial world? Is there any hope at all? The following week, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy when it's all done, when it's time for you to retire from real estate, rather than a 1031, Exchange, which would just keep you in the real estate game and with more of it, do a seven. 21 exchange into a real estate fund. Have no more assets to manage, no more property managers to manage total capital gains tax deferral and still get financial upside. And then just four weeks from now, it's get rich education podcast episode number 600 debt is the American dream. So if you're serious about building wealth, be sure to follow or subscribe to the show. If you've already done that, I would really appreciate it if you told a friend about this show until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:39   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.    Keith Weinhold  40:58   The preceding program was brought to you by your home for wealth, building, get richeducation.com

Legal tampering (aka NFL Free Agency) kicks off this week with Seahawks fans bracing for potential departures. We may learn as soon as Monday whether we'll say our goodbyes to Kenneth Walker, Rashid Shaheed and others as the market tries to pull what they can from Seattle's championship roster. Safety Coby Bryant, by some reports, could be set to return. How does Kam Curl's deal set the bar? And what would be the reasoning for keeping Bryant with Ty Okada playing well off the bench in his absence? Seattle reportedly called the Eagles about Jalen Carter, but what does it really mean? Finally, Geno Smith's Seahawks legacy gets recognition from a Seattle columnist amid reports that he'll be cut by the Raiders at the start of free agency.  Support the show Get in the Flock! Visit GetInTheFlock.com Or visit our website for other ways to support the show Subscribe via: Apple Podcasts | Spotify | Google Podcasts | YouTube | TuneIn | RSS Follow us on: Facebook | Twitter Listen on our free app for Android, iOS, Kindle or Windows Phone/PC Call or text: 253-235-9041 Find Sea Hawkers clubs around the world at SeaHawkers.org Music from the show by The 12 Train, download each track at ReverbNation  

This week Dusty and Joseph finish up the series on 1st Peter.

Today on the show, Paul and Ben talk about why Edward is on the show today, Total Recall, The Art of Course Acting, being prepared as an Actor, interactions with the neighbors, surveillance, Flock, Claude, diets, The Pitt, Charlie Sheen is alive, Eric Dane passing away, Bodies, and inside jokes between movie characters.

A new MP3 sermon from Christ Covenant Reformed Presbyterian is now available on SermonAudio with the following details: Title: Feed the Flock of God (2) Subtitle: 1st Peter Speaker: Rev. Todd Ruddell Broadcaster: Christ Covenant Reformed Presbyterian Event: Sunday - AM Date: 3/8/2026 Bible: 1 Peter 5:1-4 Length: 50 min.

This week, we're sharing an interview with Julie and Jeremy, two anarchists and participants in the Asheville Community Bail Fund. We speak about the US system of pre-trial incarceration aka bail and bond, the work of the bail fund locally, the overcrowding of the Buncombe County Jail here in Asheville, the ICE holds happening in the local jail, and how local policy choices regarding criminalization are being compounded by recent and new North Carolina legislation. Even if you aren't in Asheville or North Carolina, it's likely that much of this conversation will be pertinent to goings-ons in your neck of the woods (though hopefully not). If you're a regular listener to The Final Straw Radio, have a passion for enriching the anarchist media environment, feel like your values align with what you've heard on the show and want a chance to help out and hone your skills, we're always looking for help. If you've thought of getting a podcast or other media project going but aren't sure how to start, we can be a good jumping off point. Feel free to reach out via our emails Links https://avlcommunitybail.carrd.co/ National Bail Fund Network: https://www.communityjusticeexchange.org Immigration Resources info: https://www.communityjusticeexchange.org/es/directorio-para-inmigracion Emancipate NC: https://emancipatenc.org/ Lecture on Crime Data: https://www.haymarketbooks.org/blogs/338-counting-crime-a-lecture-on-the-politics-of-crime-data-and-its-uses NC Coalition for Alternatives to the Death Penalty: https://nccadp.org/ North Carolina Laws discussed NC SB-153 – Border Protection Act (pending): https://www.acluofnorthcarolina.org/legislation/sb-153-border-protection-act-anti-immigrant/ NC HB-10: https://www.ncjustice.org/nc-justice-center-statement-on-house-bill-10-veto-override/ NC HB-318: https://www.carolinajournal.com/nc-senate-passes-criminal-alien-enforcement-act/ Iryna's Law (HB-307) https://southerncoalition.org/justice-system-reform/reframing-public-safety/public-safety-solutions-we-deserve-better-than-this/ https://lincnc.org/when-tragedy-becomes-a-banner-reflections-on-irynas-law-and-the-politics-of-grief/ Related Past interviews The Prairieland Case: https://thefinalstrawradio.noblogs.org/post/category/prairieland-case/ NSPM-7 conversation: https://thefinalstrawradio.noblogs.org/post/2025/09/28/the-implications-of-trumps-war-on-antifa-with-moira-meltzer-cohen/ Asheville politics and police repression https://thefinalstrawradio.noblogs.org/post/2024/05/09/clean-for-who-safe-for-who-asheville-business-improvement-district/ https://thefinalstrawradio.noblogs.org/post/2023/03/19/felony-littering-trials-under-way-in-asheville/ https://thefinalstrawradio.noblogs.org/post/2021/08/01/ashevilles-policing-crisis-with-ursula-wren-of-asheville-free-press/ Public surveillance by ALPR systems like Flock https://thefinalstrawradio.noblogs.org/post/2025/04/13/pushing-back-on-flock-cameras-with-kate-bertash/ https://thefinalstrawradio.noblogs.org/post/2025/11/02/southerners-against-surveillance-systems-infrastructure-with-ed/ . ... . .. Featured Track: TFSR by The Willows Whisper

For the 2nd entry in "When Animals Attack" this month, we take to the sky with the master of suspense himself: Alfred Hitchcock. Flock to year nearest shelter, because it's time for The Birds!!More Content: https://patreon.com/neverseenitpodOur Links: https://lnk.bio/neverseenitMovie Info: https://www.imdb.com/title/tt0056869/

Sermon Audio from Crossway Christian Church

Some of the Coralville residents who were instrumental in getting the city to reverse course on their contract with Flock Safety were on KRUI's People Power Radio Hour this week. Here's the recording! https://krui.fm https://rockhardcauc.us

South Pasadena residents are urging their city council to end its contracts with Flock Safety that operates AI-powered automated license plate readers. The company behind Labubu dolls have announced their first U.S. headquarters in Culver City. LAist senior editor Rene Lynch talks about her unique way of organizing her freezer. Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.comSupport the show: https://laist.com

Today, on the Hudson Mohawk Magazine: First, Elizabeth EP Press reports on the community concern about Flock license plate recognition cameras in Troy. Then, Roaming Labor Correspondent Willie Terry interviews Charles Jenkins—the President of the NYC Coalition of Black Trade Unionists and a member of the Transport Workers Union Local 100. Later on, we will speak with Albany Center for Law and Justice Executive Director Ta-Sean Murdock about his letter written to the Albany Common Council and the Community Police Review Board. After that, This Friday at The Sanctuary for Independent Media is healing day, and we will hear about what that experience is like. Finally, we hear about Shane Burley, a freelance journalist, organizer, activist, and the author of “Fascism Today: What it is and How to End It.”

California billionaires are flooding Miami's luxury real estate market to avoid proposed wealth taxes. The panel breaks down why ultra-wealthy buyers are moving to Florida, what it means for the economy, and the broader debate over wealth taxes and property rights.

Free agency nears for the Seattle Seahawks after the NFL Combine. In NFC West news, the Rams acquiring All-Pro cornerback Trent McDuffie from the Chiefs means they're going to continue to go all in. The Seahawks roster squeeze will be felt on special teams after reports that contract talks with return ace Rashid Shaheed aren't close. It's very likely he hits the market and we'll have to wonder if his special-teams value and his complementary receiver role can be filled by Tory Horton, through free agency or the draft. The discussion also covers Seattle's decision to allow Jake Bobo to test free agency, and the expectation that Drake Thomas merits a RFA tender. Finally, we close with thoughts on Kyler Murray exiting Arizona and speculation about Malik Willis as a potential Cardinals QB target.  Support the show Get in the Flock! Visit GetInTheFlock.com Or visit our website for other ways to support the show Subscribe via: Apple Podcasts | Spotify | Google Podcasts | YouTube | TuneIn | RSS Follow us on: Facebook | Twitter Listen on our free app for Android, iOS, Kindle or Windows Phone/PC Call or text: 253-235-9041 Find Sea Hawkers clubs around the world at SeaHawkers.org Music from the show by The 12 Train, download each track at ReverbNation  

This week's guest is Chris Pickett, Chief Commercial Officer at Flock Freight as well as the Founder of Pickett Research. Chris Pickett returns to the podcast after 6 years! In the conversation, he discusses the evolution of freight brokerage, from his days building Coyote Logistics to his current focus at Flock Freight. He details how Flock is establishing "Shared Truckload" as a distinct mode from TL and LTL, allowing shippers to pool freight within corridors to reduce costs and carbon emissions. We also discuss his proprietary "Pickett Line" market analysis tool that identifies both the timing and amplitude of the truckload market cycle. Chris issues a bold warning for shippers: prepare for a potential 45% surge in spot rates and double-digit contract increases by the end of 2026. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

A community member had no idea that Flock Safety cameras have been installed in Troy, NY since 2023. Once Dierdre Shea noticed one in her neighborhood, she started researching these Automated License Plate Readers. Now, she is speaking out and hopes you will join her at the March 5, 2026 Troy City Council Meeting. Reporting by Elizabeth "EP" Press

This is a recap of the top 10 posts on Hacker News on March 02, 2026. This podcast was generated by wondercraft.ai (00:30): Motorola announces a partnership with GrapheneOSOriginal post: https://news.ycombinator.com/item?id=47214645&utm_source=wondercraft_ai(01:54): Microsoft bans the word "Microslop" on its Discord, then locks the serverOriginal post: https://news.ycombinator.com/item?id=47216047&utm_source=wondercraft_ai(03:19): Meta's AI smart glasses and data privacy concernsOriginal post: https://news.ycombinator.com/item?id=47225130&utm_source=wondercraft_ai(04:44): /e/OS is a complete, fully “deGoogled” mobile ecosystemOriginal post: https://news.ycombinator.com/item?id=47215489&utm_source=wondercraft_ai(06:09): British Columbia is permanently adopting daylight timeOriginal post: https://news.ycombinator.com/item?id=47223620&utm_source=wondercraft_ai(07:34): How to talk to anyone and why you shouldOriginal post: https://news.ycombinator.com/item?id=47214864&utm_source=wondercraft_ai(08:59): If AI writes code, should the session be part of the commit?Original post: https://news.ycombinator.com/item?id=47212355&utm_source=wondercraft_ai(10:24): Everett shuts down Flock camera network after judge rules footage public recordOriginal post: https://news.ycombinator.com/item?id=47213764&utm_source=wondercraft_ai(11:49): Jolla phone – a full-stack European alternativeOriginal post: https://news.ycombinator.com/item?id=47216037&utm_source=wondercraft_ai(13:13): Anthropic Cowork feature creates 10GB VM bundle on macOS without warningOriginal post: https://news.ycombinator.com/item?id=47218288&utm_source=wondercraft_aiThis is a third-party project, independent from HN and YC. Text and audio generated using AI, by wondercraft.ai. Create your own studio quality podcast with text as the only input in seconds at app.wondercraft.ai. Issues or feedback? We'd love to hear from you: team@wondercraft.ai

Johnny Mac delivers a Daily Comedy News roundup, highlighting Conan O'Brien's Interview Magazine chat with Chris Fleming and praising Fleming's HBO Max special as his top special of the year. He covers confusion over Jim Carrey's appearance at the César Awards, with makeup artist Alexis Stone claiming he impersonated Carrey while the awards deny it and detail Carrey's planned visit. He notes Stavros Halkias and Manscaped auctioned a hairball for $510 to benefit the Testicular Cancer Society, and previews Gabriel Iglesias receiving a Hollywood Walk of Fame star. He reports a women-of-The-Office reunion at the SAG Awards organized by Mindy Kaling, backlash to an unaired SNL “Tourettes” sketch, and a scrapped Trump cold open. He shares podcast/production updates, Comedy Survivor voting, ratings for “Scrubs” and “The Greatest Average American,” NYT streaming special picks, and an AI music video parody about Iran by A Flock of Eagles.00:24 Conan Meets Chris Fleming02:29 Jim Carrey Clone Rumors04:01 Stavros Hairball Charity04:52 Office Cast Reunion Talk06:10 SNL Cut Sketch Backlash08:03 Host Updates and Thanks09:22 Comedy Survivor and Ratings11:04 Winter Specials Picks13:27 A Flock of EaglesBecome a supporter of this podcast: https://www.spreaker.com/podcast/daily-comedy-news-with-johnny-mac--4522158/support.Daily Comedy News is the number one comedy news podcast, delivering daily coverage of standup comedy, late night television, comedy specials, tours, and the business of comedy.COMEDY SURVIVOR in the facebook group.Contact John at John@thesharkdeck dot com For Uninterrupted Listening, use the Apple Podcast App and click the banner that says Uninterrupted Listening.  $4.99/month John's Substack about media is free.This is the animal sanctuary mentioned in the February 10 episode.

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

Dominic DeAngelo & former WWE writer Robert Karpeles sit down with Raven to get his thoughts on the reaction to his documentary "Nevermore: The Raven Effect." Also discussed is working with Vince McMahon in the 90s, disregard for The Flock in WCW, mental health, and Dusty Rhodes. WATCH NEVERMORE: THE RAVEN EFFECT HERE: https://www.amazon.com/gp/video/detail/B0FSDBHCQ9/ref=atv_dp_share_cu_r Download Cash App Today: https://click.cash.app/ui6m/qdtml6pi #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. Direct deposit and promotions provided by Cash App, a Block, Inc. brand. Visit http://cash.app/legal/podcast for full disclosures. Get 10% off your first month of BlueChew Gold with code RUMOR at BlueChew.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Topics: The Truth About the Word Pastor, Shepherd as a Verb  or Spiritual Gift, 1 Peter 5:2-3, Why Jesus Is the Chief Shepherd (1 Peter 5:4), The Error of Top-down Authority Systems, 1 Peter Is Manual for Resilience Against Persecution, Context of 1 Peter, The Myth of Pastors Having Assigned Flocks, 1 Peter 5:2-3 and the Flock of God (1 Peter 5:2-3), How Tradition of Men Blurs Biblical Context, The Problem with Calling People Church Fathers, Why Elders Have No Authority Over Believers (1 Peter 5:3), Rejecting the Clergy and Laity Divide, Why the Word Pastor Is Not in 1 Peter, The Difference Between Prophesy and Prophecy, Hebrews 1:1-2, Why Pastor and Teaching Are Separate Gifts (Ephesians 4:11), Mature Believers as Examples Not Lords (1 Peter 5:3), The Invention of the Office of Pastor, Why the Word Office Was Added to 1 Timothy 3:1, Jesus Holds the Indestructible Office (Hebrews 7:16-24), Qualifications for Elders in Every Day Life (1 Timothy 3:1-7), Why Women Can Be Biblical Elders (2 John 1:1), The Importance of Plurality in the Body, How Ignatius of Antioch Changed Church Structure, Giving Double Honor to Mature Elders (1 Timothy 5:17), How Constantine Put Bishops on Government Payroll, Why Pastor Is a Spiritual Gift Not a Career, The Priesthood of All Believers (1 Peter 2:9), How Formal Education Replaced Spiritual Gifts, Refuting the Five-fold Ministry Jargon, The Danger of Lording Over Entrusted Believers (1 Peter 5:3), Living as Elect Exiles in a Hostile World in 1 Peter 1:1Support the showSign up for Matt's free daily devotional! https://mattmcmillen.com/newsletter

Starting off in FOLLOW UP, we've got a tax economist who actually made money betting against the "efficiency" of Elon's budget-slashing fever dreams, while Tesla is busy trying to dodge a $243 million jury verdict for an Autopilot-assisted fatality. Not content with being legally liable, Tesla is also suing the California DMV because they're offended someone called their "Autopilot" and "Full Self-Driving" marketing deceptive—ironic, since Jack Dorsey just "proactively" halved the staff at Block to make room for more AI slop. Speaking of which, Goldman Sachs is here to remind us that all this AI spending added a grand total of zero to the US GDP last year, mostly because we're just exporting all that cash to overseas chip makers while 80% of execs admit the tech hasn't actually done anything for productivity yet.Moving into IN THE NEWS, Sam Altman had the audacity to compare ChatGPT's energy-sucking habits to the 20-year evolution of a human, though the internet wasn't exactly buying the "my bot is just like a baby" defense. Anthropic actually stood its ground against the Pentagon's demand for killer robots and mass surveillance, so naturally, the military just signed a deal to put Elon's Grok in their classified systems instead—because what could go wrong with an "edgy" LLM in the war room? Meanwhile, cities are dumping AI surveillance contracts as citizens start a literal "smash-the-snitch-box" campaign against Flock's license plate readers, Google's AI is busy inserting racial slurs into news alerts, and the White House is apparently harboring a staffer moonlighting as a racist "masterpiece" creator on X. We've also got Reddit being slapped with a $20 million fine in the UK for being lazy with age checks, while Discord and Apple scramble to build verification tools that hopefully won't leak your entire identity to a hacker in Belarus.In MEDIA CANDY, the Paramount-Skydance merger is leaving the industry in a cold sweat of "synergy" layoffs, but at least we're getting more Game of Thrones spinoffs and Star Trek reboots to rot our brains. Face/Off 2 lost its director, Ryan Coogler is taking on The X-Files, and Google wants to use AI to turn music into generic "lo-fi" background noise for the masses.Over in APPS & DOODADS, OpenAI is planning a 2027 smart speaker that literally watches you through a camera—because you definitely wanted a $300 Sam Altman-shaped eye in your kitchen—while the Dark Sky creators are back with "Acme Weather" for the low price of $25 a year.We wrap up THE DARK SIDE WITH DAVE with a deep dive into "Under Pressure" and Coruscant's urban sprawl, leaving us to reminisce about the days when KPT Bryce was the pinnacle of tech—back when "generative art" was just a fractal that took six hours to render.Sponsors:DeleteMe - Get 20% off your DeleteMe plan when you go to JoinDeleteMe.com/GOG and use promo code GOG at checkout.SquareSpace - go to squarespace.com/GRUMPY for a free trial. And when you're ready to launch, use code GRUMPY to save 10% off your first purchase of a website or domain.Private Internet Access - Go to GOG.Show/vpn and sign up today. For a limited time only, you can get OUR favorite VPN for as little as $2.03 a month.SetApp - With a single monthly subscription you get 240+ apps for your Mac. Go to SetApp and get started today!!!1Password - Get a great deal on the only password manager recommended by Grumpy Old Geeks! gog.show/1passwordShow notes at https://gog.show/735Watch on YouTube: https://youtu.be/jdz--v3eeU4FOLLOW UPGuy Bets Entire Life Savings Against Elon Musk, WinsTesla sues California DMV after it banned the term 'Autopilot'Jack Dorsey just halved the size of Block's employee base — and he says your company is nextIN THE NEWSSam Altman: Know What Else Used a Lot of Energy? Human CivilizationStatement from Dario Amodei on our discussions with the Department of WarAnthropic Tells Pete Hegseth to Take a HikeCities Are Shredding Their AI Surveillance Contracts en MasseKalshi Suspended a California Politician and a YouTuber for Insider TradingDiscord delays age verification to address user concernsApple introduces age verification for apps in Utah, Louisiana and AustraliaMEDIA CANDYAs Paramount Skydance wins the battle for Warner Bros. as Netflix ends its bid, here's the mood inside all three companies.A Knight of the Seven KingdomsStar Trek: Starfleet AcademyThe Night Agent Season 3'Face/Off 2' Director Adam Wingard is Now/GoneRyan Coogler's X-Files reboot gets the green light at HuluMortal Kombat II | Official Trailer IIGoogle's AI Slop Machine Is Coming for Your MusicDropping Names... and other things with Jonathan Frakes and Brent SpinerOnce We Were SpacemenAPPS & DOODADSOpenAI will reportedly release an AI-powered smart speaker in 2027Instagram Will Notify Parents When Teens Use Search Terms Related to SuicideThe creators of Dark Sky have a new weather appThis App Warns You if Someone Is Wearing Smart Glasses NearbyTHE DARK SIDE WITH DAVEDave BittnerThe CyberWireHacking HumansCaveatControl LoopOnly Malware in the BuildingStrong Songs - S08E02 - "Under Pressure" by Queen and David BowieThe Problem with Coruscant (Planet Cities Explained)Reminds me of KPT Fractal ExplorerKPT Bryce 1.0 with John Dvorak and Kai KrauseSingle-Biome PlanetKPT Shapes by Dave BittnerBald Mr Clean mascot "retired"My childhood disappointment with scrubbing bubbles.CLOSING SHOUT-OUTSActor Robert Carradine Dies At Age 71See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Stephen Grootes speaks to Japie Fullard, CEO Glencore Alloys about Eskom’s tariff offer to ferrochrome producers, exploring what the proposed deal means for smelter capacity, job security, industrial competitiveness, and the broader implications for South Africa’s critical minerals strategy and electricity pricing landscape. In other interviews, George Mienie, CEO of AutoTrader about a powerful start to the year for South Africa’s used car market, with January 2026 sales jumping into double-digit growth. More than 34,000 vehicles changed hands, with stalwarts like Toyota and Volkswagen holding firm, while demand for compact, affordable models such as the Suzuki Swift and Hyundai Grand i10 surged sharply year-on-year. As consumer budgets remain under pressure, the resilience of the used car market raises important questions about shifting buyer behaviour and what this momentum signals for the broader automotive sector in 2026. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 See omnystudio.com/listener for privacy information.

A moratorium on new data centers. A replacement for Flock surveillance cameras. A reversal in the Alameda Ave. safety plan debate. These are all big issues in the city right now that Mayor Mike Johnston has recently seemed to change his mind about. So, what gives? Johnston sits down with host Bree Davies and producer Paul Karolyi to explain these big recent shifts — plus, what he thinks about one of his big campaign donors showing up in the Epstein Files and a listener question about Denver Public Schools. For even more news from around the city, subscribe to our morning newsletter at denver.citycast.fm. Follow us on Instagram: @citycastdenver Chat with other listeners on reddit: r/CityCastDenver Support City Cast Denver by becoming a member: membership.citycast.fm What do you think? Text or leave us a voicemail with your name and neighborhood, and you might hear it on the show: 720-500-5418 Looking to advertise on City Cast Denver? Check out our options for podcast and newsletter ads at citycast.fm/advertise

Mike and Tom crunch into another trendy protein snack: Flock Chicken Skin Crisps. Join the MATES Club for even more snacking: ⁠⁠https://realm.supportingcast.fm/matesclub ⁠⁠⁠ Watch MATES on YouTube: ⁠https://www.youtube.com/@MikeAndTomEatSnacks Learn more about your ad choices. Visit megaphone.fm/adchoices

Our Seattle Seahawks are kicking off free agency with five starters and two more key players potentially hitting the open market in two weeks at the start of the new league year. We run through some of the challenges general manager John Schneider faces with keeping each player and take a look at some of the projected salaries by The Athletic and Pro Football Focus. Kenneth Walker may have the biggest gap between how Seahawks fans would value him vs how he may be valued by another team, but a close second could be Boye Mafe. Mafe is considered one of the top 5 edge rushers in free agency, but his play time was limited in 2025 due to the play of Demarcus Lawrence and Uchenna Nwosu and Derick Hall. The amount of potential turnover in the secondary area of concern. Tariq Woolen, Josh Jobe and Coby Bryant are all expected to see contracts upward of $10 million per year and closer to $20 million per year in the case of Woolen. Is that the best use of salary cap dollars to try and keep all three? How would we prioritize? We take a look at the exclusive rights free agents and what that designation means as well as the restricted free agents and the one starter who stands out.  In the second half of the show, we talk about potential rule changes (and the lack of rule changes) that are being discussed in Indianapolis. We could see a greater emphasis placed on officiating from the booth than on the field for certain calls. We call out the Los Angeles Rams and Augusta National on news that came out this week about both. Better at Life honors go out to a company innovating battery technology and to YouTube for being a place to find Patriots fan tears, Niners fan tears and Rams fan tears all in one spot. Support the show Get in the Flock! Visit GetInTheFlock.com Or visit our website for other ways to support the show Subscribe via: Apple Podcasts | Spotify | Google Podcasts | YouTube | TuneIn | RSS Follow us on: Facebook | Twitter Listen on our free app for Android, iOS, Kindle or Windows Phone/PC Call or text: 253-235-9041 Find Sea Hawkers clubs around the world at SeaHawkers.org Music from the show by The 12 Train, download each track at ReverbNation  

Lynnwood is ditching its Flock license plate cameras out of fear they will be used by ICE. Who is the Democrat frontrunner for 2028? A Democrat Congressman wants former AG Merrick Garland to answer questions about Epstein. Candace Owens receives backlash for going after Erika Kirk. // LongForm: GUEST: Former Senate candidate Tiffany Smiley previews the State of the Union address. // Quick Hit: Final thoughts about State of the Union.

Joe Ostrowski and Sam Panayotovich are back — with vacation stories and betting angles.Sam checks in from Florida while Joe recaps his Mexico trip and getting out just in time (0:00:00-0:32:20). Then it's full steam into college basketball futures as March approaches, with the guys outlining value on the board and teasing a big Selection Sunday Special (0:32:20-0:56:15).With baseball about a month away, they also take early swings at MLB futures before the market heats up. The Flock chimes in with questions, and the episode wraps with a heated (and questionable) debate: If you could only open four restaurants in your city, who makes the cut? (0:56:15-1:34:26)Sunburns, brackets and baseball futures. Let's eat.

Is “exposure ministry” biblical or just Christian gossip? In this episode of Remnant Radio, we dig into what the New Testament actually says about exposing sin, calling out false teachers, and practicing church discipline, and we ask the hard question: when does discernment become destruction of the body of Christ?We walk through passages like Ephesians 5, Matthew 18, and 1 Timothy 5 and explore: when does the Bible command us to bring things into the light, who is responsible to confront it, and what is the end goal—repentance, restoration, and protection of the flock, or outrage and entertainment? If you've ever wondered whether calling out false teachers online is a prophetic assignment or a fleshly hobby, this episode will help you think biblically and critically.0:00 – Introduction0:47 – Exposure vs Coverup Culture4:42 – Biblical Theology Exposure Ministry11:15 – Leaders Accountable Biblical Law14:38 – Elders Duty Investigating Sin18:04 – Communal Responsibility21:14 – Culpability Remaining Silent 32:48 – Prophets Confronting Institutional Power36:40 – Misapplying Matthew 18 Rebukes39:13 – John the Baptist Public Rebukes43:15 – Jesus Correcting Pharisees Publicly52:08 – Paul Rebuking Peter 54:57 – Protecting the Flock 59:17 – Defining Slander 106:04 – Navigating Unhealthy Church Cultures115:14 – Closing  Subscribe to The Remnant Radio newsletter and receive our FREE introduction to spiritual gifts eBook. Plus, get access to: discounts, news about upcoming shows, courses and conferences - and more. Subscribe now at TheRemnantRadio.com. Support the showABOUT THE REMNANT RADIO:

NFL free agency is about to heat up and our Seattle Seahawks have some big looming decisions. Super Bowl MVP Kenneth Walker is one of those big decisions. We discuss four reasons it makes sense in this offseason to pay K9 and keep him in Seattle. But, what's the right contract value? Are there other free agents who might be a surprising bargain? Just how much will our 2022 second-round pick get on the open market? Lastly, would we feel comfortable spending another 2nd round pick on a RB in the draft? Support the show Get in the Flock! Visit GetInTheFlock.com Or visit our website for other ways to support the show Subscribe via: Apple Podcasts | Spotify | Google Podcasts | YouTube | TuneIn | RSS Follow us on: Facebook | Twitter Listen on our free app for Android, iOS, Kindle or Windows Phone/PC Call or text: 253-235-9041 Find Sea Hawkers clubs around the world at SeaHawkers.org Music from the show by The 12 Train, download each track at ReverbNation  

Monday, February 16th, 2026Today, the feds got caught lying again about an assault on ICE officers and are forced to dismiss the charges; Homeland Security is demanding social media sites hand over data on anti-ICE users; Ring cameras cut their ties to Flock surveillance after political backlash; Russ Vought is using USAID funds to pay for his security detail; the puppy killer side piece Corey Lewandowski demanded a government issued firearm; a judge ends the deportation case for the father of three marines; another judge rebukes the feds for denying counsel for detainees; in a victory for Democrats the Virginia Supreme Court rules the 10 to 1 redistricting can move forward; and Allison and Dana deliver your Good News.Thank You, Helix27% Off Sitewide Helix Flash sale, when you go to HelixSleep.com/dailybeansThank You, HoneyLoveSave 20% Off Honeylove by going to honeylove.com/DAILYBEANS #honeylovepod  #sponsoredGuest: Heather Cox RichardsonLetters from an American | Heather Cox RichardsonHeather Cox Richardson - YouTubeinstagram.com/heathercoxrichardson@hcrichardson.bsky.social - Bluesky@HC_Richardson - Twitter​​Democracy Awakening Notes on the State of America by Heather Cox Richardson Heather Cox Richardson and Allison Gill Discuss Republican Spying and Weaponized JusticeThe LatestAllison Gill and Katie Phang Discuss the Republican Surveillance StateBeans Talk | DHS is Watching YouStoriesDOJ drops charges against 2 men accused of assaulting ICE officers in Minneapolis | CBS NewsHomeland Security Demands Social Media Sites Reveal Names Behind Anti-ICE Posts | The New York TimesNoem adviser Lewandowski sought to carry a firearm at DHS, alarming officials | MS NOWExclusive: White House uses USAID funds for budget director Vought's security, documents show | ReutersTrump insider Tom Barrack kept in regular contact with Jeffrey Epstein for years, files show | CBS NewsIn victory for Democrats, Virginia Supreme Court says redistricting vote can go forward | Democracy DocketGood TroubleWednesday, February 24 at 6 PM in Funkstown, MD.  State of Maryland and Washington County residents have an opportunity to voice our outrage at ICE's expansion in our great community.Kate For The People→How to Film ICE | WIRED→Standwithminnesota.com→Tell Congress Ice out Now | Indivisible→Defund ICE (UPDATED 1/21) - HOUSE VOTE THURSDAY→Congress: Divest From ICE and CBP | ACLU→ICE List  →iceout.org→Demand the Resignation of Stephen Miller | 5 Calls→2026 Trans Girl Scouts To Order Cookies From! | Erin in the MorningGood NewsBeans Talk audio -beans-talk.simplecast.comRoyal Mini DonkeysSee Dana on Tour - Dana Goldberg@dgcomedy - IG→Go To Good News & Good Trouble - The Daily Beans to Share YoursSubscribe to the MSW YouTube Channel - MSW Media - YouTubeOur Donation LinksPathways to Citizenship link to MATCH Allison's Donationhttps://crm.bloomerang.co/HostedDonation?ApiKey=pub_86ff5236-dd26-11ec-b5ee-066e3d38bc77&WidgetId=6388736Allison is donating $20K to It Gets Better and inviting you to help match her donations. Your support makes this work possible, Daily Beans fam. Donate to It Gets Better / The Daily Beans FundraiserJoin Dana and The Daily Beans with a MATCHED Donation http://onecau.se/_ekes71More Donation LinksNational Security Counselors - Donate