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Today's episode is an expert visit with leadership coach, author, and podcast host Heather Chauvin about navigating life's unexpected detours, especially the ones that knock the wind out of you and make you question everything. Heather shares how her stage 4 cancer diagnosis reshaped the way she thinks about “resilience,” why so many capable, responsible women end up running on fumes, and what it looks like to stop powering through and start rebuilding your mental, physical, emotional, and spiritual resources from the inside out. We talk about the shame that can come with feeling tired, how to notice the moment right before you react (so you can respond differently over time), and simple, grounding questions like “How do I want to feel?” that can become a roadmap when life gets messy. Note: This is a special release of an expert conversation held inside the Differently Wired Club. Enjoy!   About Heather Heather Chauvin is a leadership coach who helps ‘successful' women courageously and authentically live, work, and parent on their own terms. Heather started her career as a social worker helping adults understand children's behavior. But it wasn't until 2013 when a stage 4 cancer diagnosis pushed her to take a deeper stand for change, uncovering how cultural expectations sabotage our dreams. She has been featured in Forbes, Entrepreneur, Real Simple Magazine, Mind Body Green, Google, and more. When Heather isn't working, you will find her living out what she teaches which may include kayaking Alaska, snowboarding, hiking, or anything else that challenges what she believes is possible for herself (and inviting her children along the journey). Life is full of opportunities. It's time to feel alive.   Key Takeaways Why resilience isn't about powering through—and how numbing and over-functioning can quietly turn into fatigue and shame How starting with the question “How do I want to feel?” helps parents make more aligned, sustainable choices Why fatigue carries important information and how getting curious instead of judgmental can shift everything How noticing your yellow zone before reacting builds awareness and more connected responses over time Why detours and uncertainty often become powerful identity work, revealing where growth and change are being invited How practicing small, intentional “tiny pushes” can help parents move toward the version of themselves they're becoming Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, K+L sit down with Victoria Garrick Browne, 2024 Forbes 30 Under 30 honoree and host of for a raw conversation on anxiety, ambition, and being human on the internet. They explore what it really looks like to honor your mental health while building a meaningful career.Morning Microdose is a podcast curated by Krista Williams and Lindsey Simcik, the hosts and founders of Almost 30, a global community, brand, and top rated podcast.With curated clips from the Almost 30 podcast, Morning Mircodose will set the tone for your day, so you can feel inspired through thought provoking conversations…all in digestible episodes that are less than 10 minutes.Wake up with Krista and Lindsey, both literally and spiritually, Monday-Friday.If you enjoyed this conversation, listen to the full episode on Spotify here and on Apple here.

Beyoncé has been declared a billionaire by Forbes, making her the fifth musician to join its list of the world's wealthiest people with 10 figure fortunes, including Taylor Swift, Rihanna, Bruce Springsteen and Beyoncé's husband Jay Z. Clare McDonnell speaks to Jacqueline Springer, music journalist and Curator of Africa & Diaspora: Performance at the Victoria & Albert museum, about what makes Beyoncé such a successful businesswoman, and the challenges along the way.Why can adults seem to regress to childhood or teenage behaviours at Christmas? We discuss family dynamics and the kinds of behaviour that can re-surface with everyone under the same roof again. Guardian columnist Elle Hunt shares her own experience alongside Woman's Hour listeners, and Psychotherapist Julia Samuel offers advice. Madelaine Thomas works as a professional dominatrix. When her own images were shared online without her consent, she decide to develop a tool that could allow images to be tracked, and abusers identified. Image Angel was the result, offering forensic image protection for platforms, and she's now trying to get businesses in the adult entertainment industry on board. Do we need to re-think our attitudes to ageing, as we age? As we approach 2026, we consider how to shed a negative attitude towards ageing, and embrace growing older and wiser, by revisiting an episode of the Woman's Hour Guide to Life: How to make ageing your superpower. Therapist Emma Kirkby-Geddes shares how she's been struggling to accept the passage of time. Gerontologist Dr Kerry Burnight, and Jacqueline Hooton, a personal trainer and ‘ageing well' coach, offer advice. Research tells us that girls tend to disengage from politics before the age of 16, just as boys seem to grow in confidence. Academics at Roehampton University have looked into this and have created a programme aimed at Year 9 students, in an attempt to re-engage teenage girls in issues that matter to them and boost their confidence to speak politically. Professor Bryony Hoskins has created G-EPIC (Gender Empowerment through Politics in the Classroom) and Rachel Burlton is a teacher at Mulberry School for Girls in London who has been teaching the programme.Presenter: Clare McDonnell Producer: Helen Fitzhenry

When people think about economic downturns, they usually assume the damage happens at the bottom. What rarely gets talked about is how many wealthy people lose everything — not because they didn't have assets, but because they trusted strategies that only worked when conditions stayed favorable. In this episode, I'm joined by Arthur Hood, an investor and entrepreneur who has built significant wealth across multiple market cycles and watched firsthand how high-net-worth individuals get taken out when liquidity tightens, exits disappear, and assumptions stop holding. We talk about why net worth doesn't equal safety, how paper wealth quietly evaporates when cash dries up, and the specific decisions that turn manageable situations into permanent losses.  Arthur explains why some asset classes keep working under pressure while others break, and why deals that depend on a clean refinance or exit are often the first to fail. Most importantly, we dig into the moves that allowed certain investors not just to survive the worst downturns, but to stay in control long enough to come out stronger on the other side.   About the Guest Arthur Hood is an experienced entrepreneur with a diverse portfolio of businesses spanning commercial real estate, entertainment, and hospitality. His venture Your Space America, focuses on the booming self-storage industry, one of the most resilient and high-performing asset classes in U.S. real estate. As Executive Vice President of the company, Arthur has overseen the development, construction, and ownership of large, climate-controlled self-storage facilities. These properties have become increasingly sought after by institutional investors due to their consistent performance across economic cycles. With self-storage offering an average annual return of 17.3% from 1994 to 2023, the industry has grown exponentially, driven by high demand from individuals, small businesses, and transitional populations. Your Space America is capitalizing on this growth by creating state-of-the-art facilities that cater to modern consumer needs, offering not only safe, secure storage but also a wide range of specialized services, including climate-controlled units for sensitive inventory and documents. In addition to his work in self-storage, Arthur is the owner of HV Entertainment LLC, which operates a growing portfolio of lounges and nightclubs across Texas, Georgia, Alabama, and Chicago. Furthermore, as Managing Member of HV Properties LLC, Arthur has been instrumental in acquiring, developing, and selling both commercial and residential real estate across the U.S. The company's real estate holdings span Florida, Texas, and Alabama, with a focus on value-added opportunities. From large-scale developments to residential projects, Arthur's leadership has helped expand the company's footprint and establish a strong presence in multiple high-demand markets. His expertise across these industries, combined with a strategic approach to growth, has positioned him as a significant player in both commercial real estate and the entertainment sectors. To learn more, go to https://arthurhood.com/ or send an email to info@arthurhood.com.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor with a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.

Today is Episode: 398 as we near the end of our 7th year of Your World of CreativityI'm thrilled to welcome Amani Roberts — an award-winning music business professor, international keynote speaker, and global DJ performer.He's a USA Today bestselling author, and his upcoming book, The Quiet Storm: A Historical and Cultural Analysis of the Power, Passion, and Pain of R&B Groups, offers a powerful deep dive into how Black R&B groups shaped music, identity, and community.Amani's Website @amaniexperience on Instagram Amani on YouTube From DJ Booth to Classroom — The Creative JourneyAmani, your career bridges music, business, and education. How did your early experiences as a DJ evolve into this mission of helping others unlock their creativity and confidence?The Quiet Storm — Why This Story Matters NowYour new book, The Quiet Storm, is a cultural and historical analysis of Black R&B groups — from The Temptations to TLC. What inspired you to take on this topic, and why do you think it's so important to tell this story today?Beyond Entertainment — R&B as Social CommentaryYou write that R&B groups didn't just make music — they moved culture. How did these artists influence identity, social change, and even the civil rights movement through their art and community presence?Resilience, Reinvention, and Relevanceo With over 30 years in hospitality and 17 years in the music industry, Amani has collaborated with brands like Marriott, 7-11, Calendly, and Chartmetric, generating millions in revenue while inspiring professionals to unlock their creativity, take risks, and stay resilient.o You've led in corporate settings, creative spaces, and classrooms. What are the biggest lessons you've learned about staying relevant and resilient — whether you're spinning records, teaching students, or advising executives?o Amani's leadership extends beyond the stage — he was the first African American President of Meeting Professionals International's Southern California Chapter in 45 years and is co-host of the podcast Adventures in Business. His work has been featured in Forbes, People Magazine, NBC, and Yahoo! Finance.The Future of R&B and Creative LeadershipAs we look forward, how can today's creatives — musicians, entrepreneurs, or educators — apply the lessons from R&B's rise, dominance, and decline to keep their work meaningful, collaborative, and authentic?Thanks to our sponsor, White Cloud Coffee — fueling creative conversations everywhere. Listeners, enjoy 10% off your first order at whitecloudcoffee.com.And as we close out this special 7th anniversary episode of Your World of Creativity, remember to grab your free e-book, A World of Creativity, when you visit mark-stinson.com.Join us next time as we continue our round-the-world journey, talking with creative people about how they get inspired, how they organize ideas, and how they build the confidence and connections to launch their work into the world.

Keith shares a mindset-shifting quote from John D. Rockefeller that challenges the idea of trading time for money.  He revisits some of the year's most powerful real estate investing lessons, and breaks down the big forces shaping today's housing market—affordability, supply & demand, demographics, and interest rates.  All of this sets the stage for his data-driven national home price outlook for next year—without the usual crash-and-doom hype. Episode Page: GetRichEducation.com/586 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 or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:00   Welcome to GRE. I'm your host. Keith Weinhold, learn from a quote attributed to the world's first billionaire, it will change how you see wealth building. I'll explain why national home prices have never crashed. Then it's gre, 2026, home price appreciation forecast. You'll learn the future the exact percent that home prices will appreciate or depreciate next year. Today on get rich education   Speaker 1  0:29   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   Corey Coates  1:14   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  1:30   Welcome to GRE from Lake Huron, Michigan to Lake Tahoe, California and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. You know something I love, quotes that shift your entire mindset, paradigm, and once your mind is shifted, actions follow. Actions develop into patterns. Those patterns become habits, and habits become the new, transformed you few quotes hit harder than the one from resource tycoon John D Rockefeller. He lived from 1839 to 1937 in fact, Rockefeller is widely regarded as the world's first billionaire. His quote, you might have heard it before. It is this, he who works all day has no time to make money. That sounds paradoxical, even provocative. It's sort of like it's inviting you to come in and want to learn more about it. And this is because most people's concept of income generating is to work 40 hours a week for a salary or an hourly wage. But what does that quote really mean? He who works all day has no time to make money, and be sure to capture the all day part of that quote that ties right back into the show that I did with you two weeks ago about the K shaped economy breakdown, where you learned about how capital compounds labor doesn't most people sell their time for dollars, but trading time for money makes you too busy to actually build Wealth. Working and building wealth. Those things are two separate distinct activities in how you're investing your time and energy. Now, most people start out with a wage or a salary job. I surely worked by pushing brooms and cubicle dwelling before investing in my first rental property. But if you're working all day in a job, physically or mentally well, then you're consumed by tasks that only pay you. Once you're occupied, you can often get exhausted and you're only concerned with short term output. You're focused on the next deadline, not the next decade, when all your hours are spent on labor, you have no bandwidth to do what you need to do, which is, create vision, acquire assets, build a portfolio, develop systems, learn tax strategy, evaluate investment deals, network with like minded investors, or refine your strategy with a GRE investment coach. Be cognizant that labor only pays today. Wealth building pays forever. Even if your work a day job, salary doubled, you would have to ask, how would that even build wealth? You could retire earlier, but you would have to keep working the hours, and let's remember that wealth equals freedom. You can't architect a wealth plan from the assembly line. Now, that's something that Rockefeller would have agreed with. Wealth requires less. Leverage and labor has none. So working all day means no leverage. You are the engine instead making money, that means using leverage, and instead of you being the engine, well, the engine is something else, like assets, systems, technology, other people's time, other people's money, and borrowing to inflation profit. Rockefeller believed and proved that leverage beats labor 100 to one. He's not discouraging work. In fact, it's just the wrong type of work, because he was one of the hardest working people alive. And really the bottom line here, with this quote, he who works all day has no time to make money, is that Rockefeller meant that if you spend your life doing tasks, you'll never rise high enough to own things that pay you for life. Earning a living is a different activity than building wealth, and once your mindset is shifted, actions follow, yep, actions develop into patterns, and those patterns become the new you. well as the last episode of the year on the show here, 52 weeks worth, I sure hope that I've helped you think, learn and grow your wealth, as have our guest contributors here early in the year, the father of Reaganomics was here, a man that frequently advised a president inside the White House. He told us how much he dislikes tariffs. Tariffs block free trade, and trade improves our lives. Major apartment investor, Ken McElroy, was here this year, and he predicted that the American home ownership rate will fall below 60% that would be major it's currently at 65 if the home ownership rate falls to 60% that would unleash millions of new renters into the market, and it has not been that low in decades, if ever you got a lot of mortgage insights with chailey Ridge, including learning how you can qualify for income property loans without a w2 job, without a pay stub or without tax returns by instead getting a DSCR loan. You'll recall this year that I discussed 50 year mortgages, and I did that before it even hit the news cycle, telling you that it could be coming and that it could be proposed. I explained why I like 50 year mortgages more than 30 year loans, but be aware it is not imminent that they're coming. Also this year, economist Richard Duncan and commentator Doug Casey discussed the Fed. Richard told us how the President is trying to totally restructure who serves on the Fed, trying to get low interest rate pushers in there. And then just last week, Doug and I discussed how fed decisions just keep hollowing out the middle class. A and E television star Todd drillette told us how to negotiate. I had four good discussions with our own investment coach, nuresh this year, more than usual, a pastor and I discussed a rare topic, what the Bible says about money. You learned how to use AI in your real estate investing and when not to. We had a few episodes about that. But above all the shows this year, they were about you, probably more than any other year that we've had here. I did more listener question episodes where I answered your questions as you wrote in, and I also had more listeners come right onto the show and tell me how this show has personally built their wealth. And of course, this year, I got to meet more of you in person when I served as a faculty member on the terrific real estate guys Investor Summit to see and I got to meet you personally for more than just a handshake. The event was set up so that chances are you had dinner with me as well. So rather than this show being a one way chat from me to you this year was more of a dialog between you and I and more two way communication. A lot of new topics are coming for next year, both me teaching and some great guests. If there's something on the show that you'd like to hear more of or less of, let us know. Write into us or use your voice to tell us either way you can do that. At get rich education.com/contact, let us know what you want to hear more of or less of. Do you like shorter term tactics like when and how to increase the rent? Or do you like mid range tactics like how to constantly do cash out refinances and get a tax free windfall from your properties every year. Or do you like more of the long term strategies like specifically how you profit from inflation? Let us know what you like again, at get rich education.com/contact, now, even if you're listening 10 years. Years from now, which I know you very well. May, I'm going to break down next year's home price appreciation forecast, but I'll do it in a way where you'll learn how to analyze a market for all time coming up. It's gre 2026, national home price appreciation forecast. Learn the future to the exact percent. First listen to this from Freedom family investments and Ridge lending group, because I'm a client of both myself and they can help you. I'm your host. Keith Weinhold   Keith Weinhold  10:29   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,   Speaker 2  11:40   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 Caeli Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Robert Kiyosaki  12:14   this is our Rich Dad, Poor Dad. Author Robert Kiyosaki. Listen to get rich education with Keith Weinhold. And there is, I respect Kate. He's a very strong, smart, bright young man.   Keith Weinhold  12:35   Welcome back to get rich education. It's episode 586 the last show of the year. I'm your host. Keith Weinhold, I am proud to present to you in this segment of the show gre 2026, national home price appreciation forecast, where I use my insight and experience so that you'll learn the exact percent that national home prices will either appreciate or depreciate next year. It's the fifth consecutive year that we're doing this. I nailed the first three spot on and then this year happened. I'll get to reviewing my track record, total accountability. First understand something, real estate values have never crashed in your entire lifetime, even if you're 90 years old, to grab eyeballs, slack jawed, tick tock. Call them crash talk. Economists keep making awful predictions about a housing price crash, and none of them have been worse than one that published last month in Newsweek, which outlines a as it's called, correction worse than 2008 and says national home prices will fall 50% five zero, starting as soon as next year. That's absurd, and I can't believe that a respectable publication would platform a view from an analyst like that, and I'm not going to call out that Doomsayer analyst's name. That's not my style. I'm sure you can find it that crash is about as likely as one social media post changing your political affiliation later today. Look, doomsayers don't care about you. They make dire predictions because they care about them. It elevates their clicks, their followers and their name recognition, and they never hang around to follow up on that prediction, but it harms you, because you miss out on the equity gains, and that's the real damage. In fact, this particular analyst also called for this year to have the second largest home price decline since World War Two. Well, national home prices have only fallen twice in that time period. In fact, going further back. Back to the 1930s Great Depression. They've only fallen twice. Yes, that means home prices have risen every single year since the 1930s except for two periods, a small decline of less than 1% around 1990 and then, of course, the severe downturn from the housing bubble and great recession from 2007 to 2011 or 2012 that's where prices dropped in total, 25 to 26% from peak to trough. Now why do I say that that period around 2008 was not a housing price crash. Well, because it wasn't. Instead, it was a slow bleed. The definition of financial crash is a sudden, sharp and widespread drop in prices. That's the definition. Well that can happen in some other asset classes like stocks or Bitcoin or perhaps even precious metals, but not real estate. It is neither sudden nor sharp. The worst year, 2008 saw home prices drop 12% in that one year and some of the other years bracketing it, home prices fell three to 4% in each of those years. So then during this time period of price attrition, during the global financial crisis, each month, real estate values fell just a few tenths of 1% maybe half of 1% or even one full percent, not a crash, a slow bleed. This means that it took about five years for values to fall, a total of near 25% I mean, that makes it really clear that it's not a crash. And again, this period was about 2007 to 2012 don't get me wrong, it was bad. I was a real estate investor both before and during 2008 but to call it a crash is hyperbolic, and that is because words mean things. I think a lot of media consumers get so conditioned to mass media sensationalism that they've forgotten what a crash even means. At some point, it begins to bend our very lexicon back around 2007 I remember I frequently checked a website called implode meter. Yeah, that's the name of it. It tracks, failing banks. I looked the other day and implodemeter.com is still in existence, even though it's not nearly as spicy as it used to be during the GFC, because lending has been pretty stable for a long time, and loans are well and carefully underwritten. So home prices are unusually stable over time, because, in a sense, housing is not a normal market. It is slow, regulated, credit driven, and it's emotionally sticky, even though rental property is less emotional. Well, the values of one to four unit property are tied to primary residence values, and that's where the emotion exists. So if you put all those together, you get prices that creep upward most years and rarely fall at all. Nationally. The real estate market moves too gradually to be crash susceptible. It is the place for real wealth building values also are not going to double annually if you want to scroll for dopamine hits from the couch. Well, you can do that with a prediction market like call she or in crypto with altcoins, while your real estate keeps leveraging dollars in a stable way in the background. That's how you can think about it. All right, so we've established since the Great Depression, home values have fallen twice and once substantially. Well, right now, home prices are up about 2% year over year. Most places have appreciated, especially the more affordable markets. Not only has home price growth been slow, though, rent growth has been slow as well. Single Family rents are up 1% per totality. Apartment rents are down one to 2% per Zumper. But back to our focus today, forecasting national home prices. Everything we're discussing is nominal price change, meaning not inflation adjusted, and it's single family homes up to fourplexes. Well, as we use context to build up to the big reveal today, where I'll tell you the exact percent that home prices will rise or fall next year. Could 2008 happen again any time soon? Let's isolate that out. It's important to look at history rather than. Having some uninformed hunch in both periods with price attrition around 1990 and 2008 these two falls have some attributes in common. So let's look at that. What led to these rare falls in home prices, irresponsible lending, forced selling, a vacancy issue and overbuilding. All four of those factors were in place during those two periods now leading up to 1990 the irresponsible lending was on the commercial side. That was the savings and loan crisis, but it did trickle into the residential market, and then in 2008 it was on the residential side. But of all four of those factors, none of them are in place today. Zero borrowers are strongly underwritten because they've got those full documentation loans, and virtually no one is forced to sell in a fire sale. In fact, homeowners still have these record equity positions of about 300k fewer than 3% of homeowners have a negative equity position, and there is no vacancy issue. Because, in fact, we've been under building. We'll look at that. So for next year, no substantial price of drawdown is coming. None's expected. We can isolate that out. Since I was investing directly in real estate through 2008 I know what happened is that when people walked away from properties, they did so because the economy got rough, their variable rate mortgages rose, they couldn't make their payments, or they just had no motivation to make their payments because they were underwater and had zero protective equity. In a lot of cases, it's almost impossible for that to happen today, homeowners can make their payments, and they're motivated to do so because they have that erstwhile equity to protect, like I said last week, through the Census Bureau data and realtor.com we know a couple things. Four in 10 homeowners have no mortgage at all. They own their property free and clear. Among the group with mortgages, 70% of borrowers still have a mortgage rate locked in at under 5% and blending those together for you means that then 82% of borrowers either have no mortgage or they've got a rate under 5% this translates to really affordable payments, along with The protective equity, even if inflation heats up again, it still cannot touch a borrower's mortgage payment amount because it is fixed. As we're leading up to the big reveal of next year's number, we're about to look at affordability, supply, demand and the effect of mortgage rates on prices. Of course, that word affordability, that has been the most central word to home buying for a couple years now, affordability will improve in three main ways. If either home prices fall, mortgage rates fall, or wages rise, it takes at least one of those three things, the good news is that this year, wages have been rising faster than both stated inflation and home prices. Wages have been rising close to 4% that looks to continue at least into the early part of next year. Well that improved affordability allows home prices to move up, and it gives room for rents to move up as well. Now when it comes to mortgage rates, if you're new to listening to me, it will be groundbreaking for you to realize that today, mortgage rates are low, and increases to mortgage rates usually lead to increases in home prices, not decreases. If you're new here, both of those facts might leave you saying what I thought it was the opposite. How can that be? I won't spend much time on this because longtime listeners already know these two things, but they do go into the forecast the long term 30 year fixed rate mortgage averages 7.7% per Freddie Mac thirst, that set goes back to 1971 and rates are lower than that now, and mortgage rates have risen 1% or more seven different times since 1994 and home prices increased all Seven times right alongside those rising mortgage rates. In fact, when rates more than doubled in 2022 what happened? Home prices soared to their highest appreciation year in a long time. It reinforced this so, yes, way higher rates equaled way. Higher prices. It's not that one directly causes the other. This is correlation versus causation. It's because rate increases confirm that the economy is doing well. I have discussed that extensively in previous episodes, so mortgage rates actually don't have that much to do with home prices, and that's why it is hardly going into the forecast for next year. I'll tell you what trying to forecast mortgage rates to then use that to predict home prices, that is a fantastic way to waste your time. Now, 1x factor that could make that different for next year is that this President, he imposes his will to make rates low no matter what. So even if the economy is good, which typically leads to higher rates, wholesale push to make rates low, and that's an artificial phenomenon. Wouldn't that make home prices boom if we had a strong economy and low rates? The fact that affordability is still historically low today, though, we appear to be off the bottom. Affordability is still historically low today, that has less to do with mortgage rates than most people think, since, again, rates are low when they're in the low sixes, like they currently are. Instead, affordability is soured, because over the long term, decades, wages haven't kept up with true inflation. That's what's really going on with affordability and what everybody misses, and because affordability is still strained, home prices cannot rise a lot, say 10 or 12% next year. That can't happen on a national basis next year, now, a bill is advancing through Congress now to make housing more affordable. It's got bipartisan support relaxing zoning requirements in such a bill that could help build more homes, but if the government tries to help by making access to loans easier, that is going to lead to even higher prices and really will not help with affordability beyond the short term. In fact, just this month, the Fed has resumed QE quantitative easing. And that effectively means that it is ramping up the number of dollars being printed. And these are just more dollars in existence coming in to chase real estate and every other assets values higher we look at the employment picture. Although unemployment has been ticking up lately, it is still low at under 5% what about housing supply versus demand? And future supply versus demand? Well, this is basic econ and it will totally affect future prices. Actually visited the home of the father of economics, Adam Smith in Scotland this year, the man that nearly invented the supply demand concept starting with supply. I think anyone in real estate knows that generally, over six months of housing supply is too much. Under six months is too little. Six months is sort of that balanced point. What does that really mean? Well, months of supply is how long it would take to sell all the homes currently for sale if no new listings came on the market. All right, that's all that means. Well, currently, that level is 4.2 months that is low, and that puts some upward pressure on prices as well. Another way to think about it is with the active listing count of single family homes and condos. All this means is the number of homes currently for sale and available to buy right now. That's what active listing count means when you see that statistic out there? Well, one and a half to 2 million is the normal level of units needed to adequately house our growing population, for single family homes and condos. Well, that figure bottomed out in 2022 and it's only hovered around one or 1.1 million for a few months now, we are under supplied, and it takes a long time to build our way out of it. Now, apartment buildings are a different story. They are oversupplied, but again, today, we're here focused on the future price direction of one to four unit properties. So that's supply, not as tight as it was, but still on the tight side, and then demand. Where is demand coming from? It comes from us. There's more of us. As our population keeps growing, there is a lot of housing demand coming. Not only is there pent up demand from those trying to afford a home as soon as they can, but more broadly. Demographically, I will point back to that period where there was a surge of us births from 1990 to 2010 there were over 4 million births every single one of those years, births peaked in 2007 if you add 40 years to that, because 40 years is now the average age of the first time homebuyer. That's still a mind blowing figure to me, 40 years the average age of the first time homebuyer. You add that to 2007 that peak birth rate year, and this demand won't even peak until about 2047   Speaker 2  30:36   and this doesn't even include additions from immigration, demand, demand, demand, propping up prices for decades, but for next year, improved affordability, which is expected that boosts the demand for those that have the capacity to pay. Well, considering everything we've covered, I'm about to reveal the number for next year. But first, I mean, gosh, don't you wish everyone actually followed up on their past forecasts, like I'm about to I don't think I've ever seen a price crash predictor follow up, because they're always wrong. Well, what is the track record of get rich, education, home, price appreciation forecasts. It's the fifth straight year I'm doing this, and I always release the forecast in the final days of the year in anticipation of the coming year, just like you and I are doing together now. For 2022 I said that prices would rise nine to 10% the year ended, and they came in at 10% 2023 a lot of people said home prices would fall because they had just seen a terrific run up. I said a price fall would not happen, largely due to that jaw droppingly low supply that we had then. I said zero, there wouldn't be any change. They came in at exactly zero. There was no price change in 2023 for 2024 I forecast 4% they came in at exactly 4% this is all documented. You can go back and listen to those episodes. They're all near year end. So yes, three straight years, I nailed it to the exact percent. How about this year? Just before the year began? Do you remember what my forecast figure was from listening here about a year ago, it was 5% home price appreciation. The year is not over yet, and real estate statistics move pretty slowly. Figures lag, but we pretty much know where it's going to end up. And as we look at this same stat set that I consistently use, which is the NARS national median existing single family home price, it is 2.2% as of late in the year, and it's almost certainly going to end up at 2% appreciation. So I would call that a miss, probably not a terrible call, but far enough apart to call that a miss, 5% forecast versus 2% actual for this year. That's the track record. So before I reveal the number for next year, in the last four I've nailed three of them spot on, and why was appreciation less than I expected for this year? Well, a few reasons. One of them is that inflationary pressure from tariffs was postponed. That Tariff Schedule was changed more times than anyone could have possibly forecast, and affordability stayed stubbornly low too. And here we go for 2026 how much home price appreciation or depreciation do I expect? Well, I haven't said this in any of the previous forecasts, because it's the easiest thing to say, and I often avoid saying the easiest thing, but this is just what I see coming, and that is, I expect more of the same. It's the first time I've said more of the same, which is drumroll here, 2% home price appreciation for next year. No wild figure or hyperbolic material here, in order to attract attention that is my best target for the truth, I'm here to do my best to be accurate and help you make the most informed decision, 2% for next year. So a 500k property today should cost you about 10,000 more dollars next year, and as we know, with a figure like 2% which is less appreciation than the long run historic 5% or so, with this 2% appreciation on new purchases, you leverage that five to one with your 80% loan, and you get a 10% return on your down payment. And you add in the other four ways real estate pays to your 10% leverage appreciation and at historic norms, you can end up with a 29% total ROI. That's realistic. I outlined the math of that in an earlier episode this year when I discussed how real estate pays five ways in a slow market, there you have it, 2% forecast home price appreciation for next year. If you want the charts that support the forecast and more, there's a way for you to get a hold of that, and also the best real estate maps, stories and investment opportunities that you won't see in any headlines. They are all in my free weekly newsletter. The newsletter also gives you access to my free real estate pays five ways. Video, course, that is it. GRE letter.com Get it all at one easy place. Gre letter.com I look forward to talking to you in the new year. I'm Keith Weinhold, don't quit your daydrem   Speaker 3  36:06   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  36:34   The preceding program was brought to you by your home for wealth building, GetRichEducation.com  

What if health isn't something you fix — but something you remember?As we close out 2025 and step into a new year, I wanted to pause and revisit the conversations that truly shifted how we think about healing. This episode brings together six of the most powerful health lessons from this year — conversations that challenged mainstream narratives, validated so many lived experiences, and reminded us that our bodies are wise, not broken.From ancient Ayurvedic wisdom to modern truths about mold, air quality, hormones, detoxification, and breast implant illness — these episodes didn't just inform us. They changed us.In this highlights episode, you'll hear from experts who helped us ask better questions, advocate for ourselves, and reconnect with what our bodies have been whispering all along.If you're heading into 2026 wanting to feel clearer, more energized, and more aligned — this conversation is your invitation to listen differently.What you'll get out of this episode… Your body is intelligent — symptoms are messages, not failuresHealing requires safety, not forceHow air quality, mold, and environment deeply affect energy and moodThe truth about breast implant illnessHormonal shifts are real (why they are often dismissed!)Detox is about processing, not deprivationDive Deeper Into These EpisodesEp #381: Your Body Already Knows How to Heal – The Ancient Wisdom We Forgot with Nidhi Pandya (Apple | Spotify)Ep #377: Why Your School's Air Quality Might Be Making Your Kids Sick with Mike Feldstein (Apple | Spotify)Ep #379: Breast Implants Made Me Sick — Dr. Aditya Sood & Laura Bowden Expose the Truth About BII (Apple | Spotify)Ep #375: Perimenopause: The Hormonal Rollercoaster We Don't Talk About Enough with Dr. Mariza Snyder (Apple | Spotify)Ep #307: Detox, Gut Health & Autoimmune: The Truth Doctors Won't Tell You – with Dr. Chiti Parikh (Apple | Spotify)Ep #323: The Hidden Dangers of Mold: Symptoms, Detox Tips & Solutions with Bernadette Abraham (Apple | Spotify)This Episode is Sponsored by Chai Tonics

It is the quiet week between Christmas and New Year's. The guests have gone home, the adrenaline has worn off, and you are likely left with a heavy realization: The holidays didn't fix it. If you are currently Googling "how to get a divorce" or secretly looking up attorneys while your spouse is in the other room, you are not alone. Next Monday, January 5th, is known in the legal industry as "Divorce Day," where inquiries skyrocket by 25%. But before you make a call that you cannot unmake, Susan Guthrie has a message for you: Stop. Just breathe. In this urgent and deeply practical solo episode, Susan reveals why the "smartest people" wait until March to file, and exactly what they do in January instead. Drawing on 35 years of practice, she breaks down the "Broken Promise" theory, the danger of the "New Year's Resolution Bomb," and why urgency is the enemy of a good divorce. If you are feeling the pressure to act, this episode is your permission slip to pause, plan, and protect your future before you ever step foot in a courtroom. IN THIS EPISODE, YOU WILL LEARN: The "Broken Promise" Theory: Why the holidays amplify marital cracks rather than fixing them. The January vs. March Strategy: Why amateurs rush to file in January, while strategists use the month for "vetting and verification". The 3 Critical Questions: What you must ask yourself before you hire a professional (hint: do you know the "business reality" of your marriage?). The "First Responder" Rule: Why your first call should almost never be to a lawyer—and who you should call instead. The Financial Reality Check: The sobering statistic about the 41% drop in household income for women post-divorce and how to prevent it. Mistakes to Avoid: Why hiring a "shark" out of fear is the fastest way to burn through $30,000+.   FEATURED RESOURCES & DOWNLOADS: FREE DOWNLOAD: The "January Strategy Calendar" Don't spin your wheels this month. Susan has created a free 4-week "Pre-Season" planner to help you audit your emotions, gather financial documents, and vet professionals before you file.

HEADLINES:• Leaked Memo Shows TikTok's New US Owners Won't Run Core Business• Manchester City Owner CFG Exits Mumbai City FC• Crypto Billionaire CZ Named Richest Expat in the UAE by Forbes Newsletter: https://aug.us/4jqModrWhatsApp: https://aug.us/40FdYLUInstagram: https://aug.us/4ihltzQTiktok: https://aug.us/4lnV0D8Smashi Business Show (Mon-Friday): https://aug.us/3BTU2MY

Derek Champagne talks with Kyle Austin Young. Kyle Austin Young is an award-winning strategy consultant for high achievers, entrepreneurs, and leaders ina wide range of fields. This work has allowed him to develop and refine a powerful system for accomplishingbig, meaningful goals that focuses on understanding and changing your odds of success. Kyle is a popularwriter for Harvard Business Review, Fast Company, The Boston Globe, CNBC, Psychology Today, Forbes,and Business Insider. His new book, SUCCESS IS A NUMBERS GAME: Achieve Bigger Goals by Changing the Odds (Hay House Business, November 2025), details this system. In the context of a single goal, it could be the secret advantage that changes your outcome. Over the course of several goals, it could transform the trajectory of your career. Appliedto a lifetime of goals, it can level up your legacy.Business Leadership Series Intro and Outro music provided by Just Off Turner: https://music.apple.com/za/album/the-long-walk-back/268386576

Today on Mea Culpa, I'm joined by social media star Aaron Parnas for a wide-ranging conversation about power, spectacle, and global instability. With over 4.6 million followers on TikTok, millions more across platforms, and his Substack The Parnas Perspective ranking as the top news newsletter with more than 615,000 subscribers, Aaron brings massive digital reach and sharp insight into today's political moment. We break down the release of the Epstein files and what partial disclosure means for real accountability, react to Trump's latest ship announcement and the politics of distraction, and examine the war in Venezuela and the broader geopolitical stakes. A former securities litigation attorney in Washington, D.C. and a Forbes 30 Under 30 (Media) honoree, Aaron helps connect the dots between media narratives, political power, and international consequences in an episode that shows how easily chaos fills the void when transparency disappears. Leesa: Go to https://Leesa.com for 20% off mattresses PLUS get an extra $50 off with promo code COHEN, exclusive for my listeners. Subscribe to Michael's Substack: ⁠https://therealmichaelcohen.substack.com/⁠ Subscribe to Michael's YouTube Channel: ⁠https://www.youtube.com/@TheMichaelCohenShow⁠ Join us on Patreon: ⁠https://www.patreon.com/PoliticalBeatdown⁠ Add the Mea Culpa podcast feed: ⁠https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen⁠ Add the Political Beatdown podcast feed: ⁠https://www.meidastouch.com/tag/political-beatdown Learn more about your ad choices. Visit megaphone.fm/adchoices

Nick welcomes music journalist Jim Ryan from Forbes back for a wide-ranging look at a year filled with memorable shows and standout conversations. Jim talks about recent concerts that left an impression, including a night with Evan Dando and a still-amazing performance from Paul McCartney. The discussion expands into Jim's personal highlights from 2025, touching on favorite interviews, albums, and live moments that defined the year in music. They also pause to remember the legacy of Steve Cropper, reflecting on his influence and why his work continues to matter. Later, Esmeralda Leon joins Nick to catch up on life and mark National Stretching Day, which quickly turns into a relaxed, personal chat. Esma also shares her enthusiasm for a Netflix documentary about the legendary Juan Gabriel, celebrating his impact and enduring place in music history. [Ep 415]

In this Live Greatly 2 minutes of motivation podcast episode Kristel Bauer shares 4 reminders to help you successfully close out 2025 and prepare for a New Year. Tune in now!  Key Takeaways From This Episode: 4 key reminders as we approach 2026 Explore Having Kristel Bauer speak at your next event or team meeting. https://www.livegreatly.co/contact  Order Kristel's Book  Work-Life Tango: Finding Happiness, Harmony and Peak Performance Wherever You Work (John Murray Business, November 19th 2024) About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to "Live Greatly" while promoting leadership development and team building.   Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine and she has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC, and Ticker News. Kristel lives in the Fort Lauderdale, Florida area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Buy Kristel Bauer's book, Work-Life Tango: Finding Happiness, Harmony and Peak Performance Wherever You Work (John Murray Business, November 19th 2024) Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

We'll be going on a brief news hiatus for the next week or so, but we will still be delivering daily briefings. From now until January, you'll be able to hear some of our greatest hits of 2025, from our best feature content to our most successful entrepreneurship stories from the past year. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Passion Won't Pay Your Bills in the Age of AI is covered in this video, along with the following subjects:Turning Ambition Into a Sustainable Business StrategyLeveraging Technology and AI for GrowthPractical Steps for Entrepreneurs to Thrive in Any Economy***************************************Join Andrew Frazier and Nikki Barua for a livestream discussion, “Passion Won't Pay Your Bills in the Age of AI.” Nikki, a globally recognized entrepreneur and workforce transformation expert, will share real-world insights on turning ambition into sustainable business results. Discover how to harness technology, build resilience, and transform your passion into practical strategies for growth and impact in today's fast-changing marketplace.Nikki Barua is a serial entrepreneur, keynote speaker, bestselling author, and expert in transformation. She is the CEO & Co-Founder of FlipWork, a workforce transformation system that leverages AI to reinvent how people work and deliver ROI. With over 25 years of experience, Nikki has helped global brands transform their culture and capabilities, emphasizing that people are key to future success. She is recognized for her visionary leadership, has received numerous awards, including Entrepreneur of the Year by ACE, and is featured in major media outlets such as CNBC and Forbes. Nikki holds three master's degrees, speaks five languages, and is committed to helping others unlock their fullest potential.

Joe Gallo is a results-driven brand builder and the founder of CatchBuzz, a media and lifestyle agency operating at the intersection of music, branding, and culture. With over a decade of experience across partnerships, public relations, marketing, and artist management, Joe has helped emerging artists, major festival acts, startups, and established lifestyle brands amplify their stories. Through CatchBuzz, he has secured more than 1,000 media placements in top outlets including The New York Times, Forbes, Billboard, and The Wall Street Journal.In this episode, Joe Gallo breaks down how indie artists can leverage brand partnerships to unlock new revenue, visibility, and long-term growth—without needing a massive following.Key TakeawaysHow indie artists can land brand partnerships by clearly defining their value and audienceWhy warm introductions, clear asks, and deliverable menus win deals with brandsHow to build long-term brand relationships that go beyond one-off sponsorships---→ Learn more about Joe Gallo and his work at: catchbuzz.co.Book an Artist Breakthrough Session with the Modern Musician team: https://apply.modernmusician.me/podcast

Tune in this week to hear Kara on the Christopher Lochhead Follow Your Different Podcast!In this episode, we do have a world changer. She's both an entrepreneur, author, and podcaster. She's the category queen of a new, flavored, healthy-water category. Her name is Kara Goldin, and she's the founder of a product you probably have tried and most likely love called Hint water. Fortune named Kara one of the most powerful women entrepreneurs, and Forbes says she's one of the 40 Women To Watch Over 40. Today, she reveals how Hint Water could have just been another idea that never went anywhere if she had let her own doubts or others' doubts be the end of the story. Undaunted: Overcoming Doubts and Doubters. Kara has recently launched a new book called Undaunted: Overcoming Doubts and Doubters. It is currently number one on the Amazon charts. In fact, Sheryl Sandberg, Chief Operating Officer at Facebook, says it's a great read for entrepreneurs looking for proof that her dream can come true. Even if you're not an entrepreneur, you're going to love this conversation with Kara and the story behind her book. Are you interested in sponsoring and advertising on The Kara Goldin Show, which is now in the Top 1% of Entrepreneur podcasts in the world? Let me know by contacting me at karagoldin@gmail.com. You can also find me @‌KaraGoldin on all networks. To learn more about Christopher Lochhead:https://lochhead.com Sponsored By:LinkedIn Jobs - Head to LinkedIn.com/KaraGoldin to post your job for free. Check out our website to view this episode's show notes: https://karagoldin.com/podcast/ireplay-fyd-2

This isn't another “set your goals for 2026” episode. This is the ritual I've done every single year for over a decade. It's the very practice that helped me rebuild my life after heartbreak, divorce, and self-doubt… and guided me into joy, reinvention, and purpose.In this solocast, I walk you through the exact year-end reflection and vision casting ritual I do — with myself and with my partner. If your soul feels full, exhausted, or like it needs permission to breathe… this one's for you.Let this ritual be your year-end exhale — and your bold new beginning.What you'll get out of this episode… Why the holidays bring emotional overwhelmWhat is a year-end ritual (and why it matters)My step-by-step yearly audit How to vision-cast the life you actually wantWhy this practice is more powerful than a vision boardBreathe better with JASPRAs a mama healing from mold toxicity, air quality has become deeply personal for me. JASPR removes 97.1% of mold in just 1 hour. Use code BRAVE for $400 OFF: https://jaspr.co/brave Support your body with REJŪVMy go-to science-backed red light therapy for faster recovery, reduced soreness, and deeper repair. Try it today with code BRAVETABLE: Https://werejuv.com/?ref=NEETABHUSHANWant more?

**BEST OF** That beautiful leather-bound journal you bought with the best intentions? The one now gathering dust under a pile of books? You're not alone. After 40 years of failed journaling attempts, Michael Bungay Stanier finally cracked the code to sustainable reflection—and it's likely nothing like what you've tried before. Michael is the author behind the Wall Street Journal bestseller The Coaching Habit (which Brené Brown called "a classic"), with over 1.5 million books sold worldwide. Named the #1 Thought Leader in Coaching by Thinkers50, his insights have been featured in Harvard Business Review, Forbes, and Fast Company. In this conversation, Michael shares: His surprisingly simple journaling breakthrough that eliminates the most common barriers to consistency A powerful weekly reflection framework that drives tangible results (not just empty introspection) The counterintuitive boundary system he uses to prevent work overload while maximizing impact Why he rejects popular "word of the year" goal-setting (and what he does instead) Whether you're a serial journal abandoner or simply seeking more intentional reflection practices, Michael's practical approach offers a refreshing alternative to traditional journaling methods that actually sticks. Key Quotes: “One thing that is really helpful is just to know I don’t have to say yes right away.” “I have failed to successfully journal since I was 16. I’m now 57, so I’ve been attempting to journal for 40 years.” “If you just start asking yourself what you want day in and day out it just starts forcing a deep clarity.” Connect with Michael via his website, Instagram, LinkedIn, or buy the Do Something That Matters Journal. My latest book The Health Habit is out now. You can order a copy here: https://www.amantha.com/the-health-habit/ Connect with me on the socials: Linkedin (https://www.linkedin.com/in/amanthaimber) Instagram (https://www.instagram.com/amanthai) If you are looking for more tips to improve the way you work and live, I write a weekly newsletter where I share practical and simple to apply tips to improve your life. You can sign up for that at https://amantha-imber.ck.page/subscribe Visit https://www.amantha.com/podcast for full show notes from all episodes. Get in touch at amantha@inventium.com.au Credits: Host: Amantha Imber Sound Engineer: The Podcast ButlerSee omnystudio.com/listener for privacy information.

Most employee recognition programs don't work the way leaders think they do. In this episode, Hall of Fame keynote speaker Joe Mull, CSP, CPAE, examines why many common approaches to employee recognition fall short of building real engagement, motivation, and a healthy workplace culture. He explains how well-intentioned systems can unintentionally feel impersonal and why recognition that becomes routine often loses its impact. Joe reframes what meaningful recognition actually looks like, showing how specific, personal expressions of gratitude from leaders strengthen employee commitment, reinforce purpose, and encourage people to bring more of themselves to their work—without relying on swag, gift cards, or formal reward programs. If you want to create a culture where people feel seen, valued, and motivated to care and try, this episode offers practical insight into how recognition works when it's done right. To subscribe to Joe Mull's BossBetter Email newsletter, visit https://BossBetterNow.com For more info on working with Joe Mull, visit https://joemull.com For more info on Boss Hero School, visit https://bossheroschool.com To email the podcast, use bossbetternow@gmail.com #transformativeleadership #workplaceculture #companyculture #talentretention #employeeengagement #employeeretention #bossheroschool #employalty Joe Mull is on a mission to help leaders and business owners create the conditions where commitment takes root—and the entire workplace thrives. A dynamic and deeply relatable speaker, Joe combines compelling research, magnetic storytelling, and practical strategies to show exactly how to cultivate loyalty, ignite effort, and build people-first workplaces where both performance and morale flourish. His message is clear: when commitment is activated, engagement rises, teams gel, retention improves, and business outcomes soar. Joe is the founder of Boss Hero School™ and the creator of the acclaimed Employalty™ framework, a roadmap for creating thriving workplaces in a new era of work. He's the author of three books, including Employalty, named a top business book of the year by Publisher's Weekly, and his popular podcast, Boss Better Now, ranks in the top 1% of management shows globally. A former head of learning and development at one of the largest healthcare systems in the U.S., Joe has spent nearly two decades equipping leaders—from Fortune 500 companies like State Farm, Siemens, and Choice Hotels to hospitals, agencies, and small firms—with the tools to lead better, inspire commitment, and build more humane workplace cultures. His insights have been featured in The Wall Street Journal, Forbes, Harvard Business Review, and more. In 2025, Joe was inducted into the Professional Speakers Hall of Fame (CPAE). This is the speaking profession's highest honor, a distinction granted to less than 1% of professional speakers worldwide. It's awarded to speakers who demonstrate exceptional talent, integrity, and influence in the speaking profession For more information visit joemull.com.

What if the life you want didn't require a college degree—just grit, vision, and the courage to bet on yourself? In this episode of The Root of All Success, I sit down with Ken Rusk, best-selling author of Blue Collar Cash, founder of Rusk Industries (a nine-figure construction company), and host of the Comfort, Peace, and Freedom podcast. Ken started digging ditches at just 15 years old—and never stopped designing a life on his own terms. We dive deep into: Why the belief “you must go to college to succeed” is one of the biggest lies we tell young people How blue-collar skills are creating the next generation of millionaires Why freedom, not money, is the real definition of success How empowering your people—not controlling them—unlocks massive growth Why AI will enhance, not replace, skilled trades How to design a life built around comfort, peace, and freedom (your version, not someone else's) If you're an entrepreneur, leader, or someone questioning the traditional path to success, this conversation will challenge how you think about work, wealth, and fulfillment.

Is chaos something to fear or something we can leverage? Kevin sits down with Kevin Black to discuss why chaos isn't inherently good or bad and how leaders can prepare to succeed in it. Kevin Black explains how natural behaviors, deeply rooted in our personality and life experiences, influence our reactions to chaos and shape team dynamics. He shares his chaos model, which features a taxonomy of control outcomes, from anarchy to deliberate resistance, and how leaders can identify and respond to each stage. They also discuss the four components of constructive chaos and how mishandling these can lead a team into destructive chaos. Listen For 00:00 Introduction 00:40 Chaos can be used to your advantage 01:16 How to join the podcast live 01:59 Guest introduction: Kevin Black 02:50 Definition of chaos 03:35 Chaos comes from the perception of losing control 04:20 People experience chaos differently based on natural behaviors 05:18 Big idea of the book 07:07 Why Kevin Black wrote the book 07:56 Natural behaviors drive chaos 09:07 How natural behaviors affect reactions to chaos 10:17 Chaos dynamic explained 12:17 Control as the source of chaos 14:32 Control continuum overview 15:04 Anarchy 15:46 Undisciplined initiative 16:35 Disciplined initiative 17:11 Mechanical compliance 17:36 Malicious compliance 18:25 Deliberate resistance 19:57 Constructive vs. destructive chaos 21:01 Unity as the first requirement 22:21 Forward integration 26:00 Mission command 27:47 Trust as the highest level 28:36 Strength in chaos 29:27 Where leaders should start 30:13 Team is the measure of success 31:14 What Kevin Black does for fun 31:32 What he is reading 32:15 Where to connect with Kevin Black 33:24 Closing and Kevin's "Now what?" challenge Kevin's Story: Kevin Black is the author of Strength in Chaos: The Ultimate Leadership Blueprint for Mastering the Uncontrollable, the first book to measure chaos at the leader and team level. He is a veteran U.S. Army officer, strategic advisor, author, and founder of Chaos Studies in Leadership, a new domain exploring how leaders, strategies, and behaviors intersect under pressure. Known for his innovative use of computer wargaming and behavioral profiling, he helps organizations craft flexible strategies and build high-performing teams that thrive under pressure. Kevin's been published in Forbes and USA Today and lives in Scottsdale, Arizona, with his two Australian Cattle Dogs and an American Dingo. https://www.kevinblack.co/ https://www.thechaosbook.com/ https://www.linkedin.com/in/kevinblack1999 https://www.youtube.com/c/blackmarketleadership   This Episode is brought to you by... Flexible Leadership is every leader's guide to greater success in a world of increasing complexity and chaos.    Book Recommendations Strength in Chaos: The Ultimate Leadership Blueprint for Mastering the Uncontrollable by Kevin Black  Like this? Leading Through Disruption with Tony Hunter The Disruption Mindset with Charlene Li The Upside of Disruption with Terence Mauri  

Dimer Bently is an executive productivity coach, Co-founder of Lifehack Method and a Wall Street Journal best-selling author of Winning The Week - How to Plan a Successful Week, Every Week. His team has helped over 100,000 professionals to prevent burnout and create more freedom in their lives. Dimer's work has been featured on ABC News, Forbes, Washington Post, Fox News Radio, and Business Insider.   Learn more about Dimer at Lifehackmethod.com Contact Julie at theveterinarylifecoach.com  

We're joined by special guest Rick Cenname for a timely conversation on what's ahead — including NAR and Forbes' real estate predictions for 2026 and a big question shaping the future of the Las Vegas Valley: should we be building up or out? Insightful, opinionated, and relevant to today's market — you won't want to miss this one. #LasVegasRealEstateNOW #LVRealEstate #RealEstateNews #RealEstateExperts #LasVegas #RealEstateRadio #RadioShow #RealEstateRadio #RealEstateTips #HighRise #Condos #Predictions #2026Predictions #NAR #Forbes Facebook: www.facebook.com/LVRealEstateRadio Twitter: www.twitter.com/LVRERadio LinkedIn: www.linkedin.com/in/LVRealEstateRadio Instagram: www.instagram.com/lvrealestateradio/ SoundCloud: @lvrealestateradio Website: www.lvrealestateradio.com

In this episode, Julia speaks with Anna Kalmer, a social entrepreneur who founded a yoga-based organisation supporting refugees, children in state care, mothers raising children with disabilities, and others facing adversity.Anna shares how stepping into leading wasn't a grand decision it happened when the organisation she created began to truly form, and people started looking to her for direction. Suddenly, she realised she wasn't becoming the leader. She already was one, long before she felt ready for the title.She talks about seeking coaching in the early years because she couldn't even say out loud, “I am a social entrepreneur.” She thought she needed to adopt a louder, more traditionally “masculine” style of leading to be taken seriously. But as she describes beautifully, that didn't fit. The journey wasn't about changing herself rather it was about authorising herself. And about discovering an approach to leading that is both caring and fierce, collaborative and boundaried.This episode is a reminder that great leading doesn't come from reshaping yourself into someone else's mould. It comes from being anchored in who you are and being brave enough to stand firm in it.About the Guest:Anna Kalmár is a social entrepreneur and mental health professional, the founder of the Budapest based mental health initiative, AdniJóga.She holds a Master's degree in Social Innovation from the University of Cambridge and currently serves on the board of the Hungarian Coalition of Social Enterprises.She has been recognized as a Forbes 30 Under 30 honoree in Hungary and named one of the Top 100 European Women in Social Enterprise in 2023. She is passionate about understanding how systemic change happens and how we can shape more just and equitable societies.

Heaven Mayhem Founder Pia Mance sat down with Forbes to discuss how she bootstrapped an initial $900 investment into a global accessories brand now generating over $10 million in revenue. Mance also discussed the brand's strategic evolution from a direct-to-consumer focus to incorporating wholesale partnerships with major retailers like Revolve and Selfridges. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Destiny K. Chambers is a seasoned marketing executive with a strategic approach to driving brand awareness and market leadership. With over 13 years of experience, she has a proven record of not just steering marketing initiatives, but igniting brand growth and achieving measurable business outcomes. Most recently, as Vice President and Head of Marketing at /prompt., she leveraged this expertise to spearhead the unification of marketing strategies across /prompt., Lippe Taylor and twelvenote, driving a cohesive vision for the agency's future.Chambers has a dynamic background in leading successful agency marketing campaigns at renowned organizations such as Young & Rubicam, WPP, and VML, consistently driving impactful large-scale activations both nationally and globally. Her influence extends beyond individual campaigns; she actively contributes to the direction of the marketing landscape as a member of the prestigious LIONS/ANA CMO Growth Council and the Forbes Communications Council. Previously, she shaped industry conversations around diversity, equity, and inclusion as Chair of the New York Festivals Advertising Awards' DE&I Advisory Board.Further showcasing her commitment to societal improvement, Chambers is a former Youth Empowerment Program leader and proud alumna of Urban Underground, where she supported youth-led social justice campaigns. As a skilled public speaker and writer, she has shared her insights and expertise at prominent events such as Cannes Lions, Advertising Week NY, AfroTech, and WAATBP and featured in distinguished publications such as Forbes, Adweek, Ad Forum, Ad Age, PR Week, Campaign Brief, and Little Black Book.

If you've ever been told to meditate for stress reduction and thought “I'm too stressed to sit still - how am I supposed to meditate?!” - this episode is for you.Tash Forbes is a breathwork facilitator who helps women learn to breathe again, to bring themselves out of survival mode, stress and anxiety, and into a life of calm and feeling safe in their bodies. Exactly what we need at this time of year, right?In this episode, we chat about:What survival mode is, and why so many women spend their lives in itHow being in constant fight-or-flight impacts your body and lifeWhat actually happens in a breathwork sessionSwapping ‘go go go' for slowing down (and why you should do it)The real, tangible shifts that breathwork createsCheck out Tash and Breathing Space on Instagram, or visit her website. ✋

Steve Forbes lays out some key proposals for President Trump and his economic team to juice the economy in 2026 and give Republicans an edge in the midterm elections.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of 2B Bolder, I sit down with Sandy Carter, Chief Business Officer at Unstoppable Domains, former AWS and IBM executive, Forbes contributor, and author of AI First, Human Always.We talk about what it really means to take smart risks, build influence through visibility, and lead in fast-moving spaces like AI and Web3, even when you don't feel 100 percent “ready.”Sandy shares pivotal career moments, including a $5 billion bet that didn't seem obvious at the time, and the lessons she learned about arriving early, staying late, and taking ownership before permission is granted. We reframe visibility, not as self-promotion, but as credibility, narrative control, and leadership when the stakes are high.We also dig deep into what an AI-first, human-always mindset actually looks like in practice. Sandy explains why AI should start with business outcomes, not tools, and how leaders can redesign workflows, decisions, and customer experiences with AI as the lever, while keeping human judgment firmly in control. From pressure-testing arguments to accelerating research, we talk about where AI adds leverage and where humans must always own voice, values, and accountability.This conversation gets refreshingly real. Sandy shares stories about AI agents quietly changing their own limits, robots learning the wrong behaviors by watching humans, and why simple guardrails, human-in-the-loop oversight, logging, and escalation paths matter more than flashy demos. We also explore why building your own agents, not just relying on ChatGPT, is becoming essential for leaders who want real control and resilience.Finally, Sandy walks through the origin of Unstoppable Women of Web3 and AI and the powerful three-part formula behind it: education, tribe, and recognition, a model that has trained tens of thousands of women and dismantled the tired excuse of “we can't find qualified women.”If you're a senior leader navigating responsible innovation, or a rising builder wondering if now is the moment to step forward, this episode offers a clear message: lead while you learn, act before consensus, and put guardrails in place so innovation compounds instead of derails.If this conversation resonated, share it with someone who needs a nudge to be bolder, and leave a review telling me the bold move you're committing to this week.Resources: Sandy's Profile linkedin.com/in/sandyacarterBooksBySandy.comsocialmediasandy.wordpress.com/ 

Illana Raia's journey to entrepreneurship stemmed from her love of law and her personal experiences with mentorship. Despite loving her career as a mergers and acquisitions lawyer, she took a break to raise her children and later rejoined her firm. Realizing the impact of showing her daughter accomplished women at work, Illana envisioned scaling this experience to benefit other girls. She left her law practice, driven by the idea of creating a platform where girls could meet female leaders, leading to the founding of Etre.  Illana is the founder and CEO of Etre, a membership platform for girls believing that mentors matter as early as middle school. Illana brings girls directly into companies they choose to meet female leaders face to face.  Raia's National Research on the current state of girls confidence in 2022 and 2024 has been featured by Forbes, CBS News, Yahoo Finance, and Nasdaq, and the most recent 2025 research was conducted in partnership with Hello Sunshine and launched at Cannes. Illana is Chair of the International Space Station, US National Lab Education and Workforce Subcommittee.  She serves on the National Girls Collaborative Project Champions Board, and was recently appointed to the Hackensack Meridian School of Medicine Board of Governors. Illana contributes to Forbes Business Council and has authored over 60 articles for Huffington Post, Ms. Matt. Magazine and Thrive Global. Illana was named one of the first 250 entrepreneurs on the Forbes Next 1000 list. An Inc 500 female founder and recognized twice by Fast company's world changing ideas, her award-winning book, Etre Girls Who Do You Want to Be? was released on the day of the Girl, 2019. Her second bestselling book, the Epic Mentor Guide, arrived during Women's History Month 2022. Prior to launching Etre in 2016, Illana was a corporate attorney at Skadden Arps in New York City, and a guest lecturer at Columbia University.  She graduated from Smith College and the University of Chicago Law School.   What You Will Hear in This Episode 02:13 Illana''s Journey: From Law to Entrepreneurship 03:59 Curiosity and Connection: Illana's Driving Forces and Career Shift 06:15 The Birth of Etre: Empowering Girls Through Mentorship 09:20 Scaling Etre: From Local to Global Impact 14:24 Navigating Challenges: Social Media and Confidence 17:37 Etre's Mentorship Program: How It Works 18:58 TED-Ed Club: Empowering Young Girls to Speak 20:02 Connecting Through Social Media and Our Website 24:06 Building a Network of Incredible Mentors 33:04 The Role of Age and Diversity in Our Programs   Quotes " The things you most enjoy, the things that bring you the greatest amount of, of reward and joy are things you cannot do with a phone in your hand, whether that is swimming or surfing or skating or painting.  Playing your sport, writing your next short story, the thing you love to do is probably better done without a phone in your hand. " " I believe in the power of the cold email or the cold DM with all my heart,  I'm stunned every day by the women who say yes to a conversation or answering a question by email because it's for the next generation. " Never underestimate the, impact that 10 minutes of your time is gonna have on that next future engineer, future leader, future founder."   Mentioned etregrils.com   eConnect with Bonnie Substack Newsletter: Own Your Ambition Gendered Ageism Survey Results Forbes article 5 Tips to own the superpower of your age IAMMusicGroup   Purchase my book Not Done Yet on Amazon:    If you enjoyed this episode of Badass Women Podcast, then make sure to subscribe to the podcast and drop us a five-star review  

5 Reasons You Should Never Ignore Press If You Want to Grow Your Brand in 20261. Instant credibilityEarned media positions you as a trusted expert faster than almost any other strategy.2. Built-in expansionPress introduces your brand to entirely new audiences who would have never found you otherwise.3. SEO + discoverabilityMedia coverage boosts Google search results and increases brand visibility across AI platforms like ChatGPT, making it easier for people to find and trust you.4. ACCESS & Compounding growth opportunitiesPress opens the door to collaborators, customers, partners, and investors—and compounds over time, similar to long-term investing.5. Unshakable trustCredibility from press acts as a growth accelerator for every other marketing and sales strategy you're running. Support the showWant a Personalized PR Plan? (includes: a custom PR pitch, 6 part "how to research media contacts" module, curated list of 5–10 ideal media outlets, “Where to Go from Here” roadmap (pitch cadence, next steps, etc.) AND a personalized voice note. Click here: https://www.visibilityonpurpose.com/offers/prxBzYXW/checkout DIY PR COURSE!! https://www.visibilityonpurpose.com/pitchpartySIGN UP ON QWOTED for free: https://www.qwoted.com/?via=VOPWatch our FREE masterclass to start landing big press features like Forbes & interviews on top 1% podcasts: https://www.visibilityonpurpose.com/getfeatured Connect with us on and off the pod! Website: ⁠www.visibilityonpurpose.com⁠ Instagram: ⁠https://www.instagram.com/visibilityonpurpose/⁠ Youtube: https://www.youtube.com/@visibilityonpurpose

For more than three decades, Richard served patients in San Diego, California, where he dis-covered that true healing extends beyond the physical. It's rooted in trust. That understanding led him to explore communication and visibility, soon appearing on television networks such as ABC and PBS and in publications like Forbes. He realized that credibility, once verified through trusted media, multiplies credibility.Following a powerful inner calling, Richard closed his thriving practice and moved to Taos, New Mexico, to begin a new chapter: helping entrepreneurs and thought leaders expand their influence. As Vice President of Income Builders International/CEO Space, he mentored thou-sands in strategy, visibility, and sustainable growth, guiding professionals from “hidden to headline.”Today, as an executive with Top Talent Agency, Richard helps mission-driven clients earn the recognition they deserve, securing placements on ABC, NBC, CBS, FOX Business, and Bloom-berg, as well as features in major newspapers and magazines nationwide. His leadership has earned him the Top Talent Lifetime Achievement. Book a call with Richard - https://talkaboutpublicity.com/ Check out Richards one sheet - https://www.richardkaye.com/guest/ Learn more about Top T Agency - https://toptagency.com/

The Referable Client Experience with Stacey Brown Randall   Most business owners say they want more referrals. Very few are actually drowning in them. The default strategy is to do good work, hope people notice, and maybe ask for introductions when things get slow. In this episode of Profit Answer Man, I sit down again with referral expert and author Stacey Brown Randall to talk about why that approach does not work and how to build a truly referrable client experience.   Stacey has spent years helping small business owners generate referrals without asking, without incentives, and without feeling manipulative. Her new book, The Referrable Client Experience, dives into how your day to day client journey can become your most powerful referral engine.   In This Episode, You'll Learn: Referrals, Introductions, and Word-of-Mouth Are Not the Same Thing. One of the first big shifts Stacey brings is simply defining our terms. A referral happens when a referral source connects you directly to a prospect, clearly identifies a need, and positions you as the solution. An introduction is just a connection. There is no identified need. Word-of-mouth buzz is when someone talks about you or gives out your name, but you are never actually connected. Most business owners lump all three together. The problem is that only one of them consistently leads to new clients. If all you are getting is introductions and vague "I mentioned you to someone" comments, you are not really running a referral strategy. Your Small Size Is Your Superpower. When we talk about "client experience," most people picture big company initiatives, software, and dashboards. Stacey defines client experience more simply as how your client feels while they work with you. That is where small business wins. You can: Make clients feel seen and remembered, Adjust quickly when something is off, Add personal, human touches that big companies could never scale, If you want to go from a good client experience to a referrable one, you have to understand the emotions you are creating along the way and be intentional about them. The Science Behind Why Referrals Happen. Referrals are not magic. Stacey frames them through three lenses: What happens in the brain of the referral source. When someone makes a great referral, "feel good" chemicals fire in their brain. They get to be the hero who solved a problem for someone they care about. It is about them helping the prospect, not about you. The psychology of trust. Referral sources do not need to know every credential or detail about you. What matters is that they trust you as a person and do not forget you. That trust is nurtured by consistent, human touch points, not by dumping your resume on them. Behavioral economics. Instead of manipulating reciprocity, Stacey focuses on the positive side: using surprise, delight, and variety in your touch points so people remember you and feel connected to you. Gifts, Touch Points, and What Actually Lands. Gifts can be powerful but they are often used poorly. Stacey's guidance: A gift should not be tied directly to a single referral, or you train people to expect a payout each time. For each referral source, build a plan of five to seven touch points over the year that happen whether or not referrals come in. Use gifts sparingly, and make them meaningful, humorous, or heartfelt enough to be memorable. If it took you two seconds to choose and send, it probably will not stand out. For actual referrals as they happen, Stacey recommends something simple and powerful: a handwritten thank you note. Be Strategic, Not "Spray and Pray". When owners want more referrals, they often default to more networking. More coffee dates, more events, more people. Stacey calls out the problem with this "spray and pray" approach. Instead, she encourages business owners to: Identify their ideal referral sources by asking, "Who regularly sees my ideal client before I do?" Focus on building real relationships with those few instead of trying to convert every person in the room. Accept that it is a numbers game, but a strategic one: you may meet a hundred people and end up with three or four true referral partners.   Key Takeaway: Referrals are not a mystery reserved for the lucky few. They are the predictable result of a client experience that makes people feel seen, cared for, and confident enough to put their reputation on the line for you. When you understand the science behind referrals and build a simple plan around your best referral sources, you can stop chasing cold leads and start welcoming more ideal clients who already trust you.   Bio: Stacey Brown Randall is the author of the new book, The Referable Client Experience, and the multiple award-winning book, Generating Business Referrals Without Asking. She is also the host of the Roadmap to Referrals podcast. Stacey teaches business owners how to generate referrals naturally…without manipulating, incentivizing, or even asking. She has been featured in national publications like Entrepreneur magazine, Investor Business Daily, Forbes, and more. She received her Master's in Organizational Communication and is married with three kids.   Links: Websites: https://staceybrownrandall.com/ https://referableclientexperience.com/ Social Media: www.linkedin.com/in/staceybrandall https://www.instagram.com/staceybrownrandall/ https://www.facebook.com/StaceyBrownRandall https://www.youtube.com/@referralswithoutasking   Conclusion: Referrals don't come from luck, pressure, or clever tactics—they come from the way your clients and referral sources feel throughout their experience with you. Stacey's insights remind us that when you create a journey rooted in trust, care, and thoughtful connection, referrals become a natural byproduct—not a struggle. By understanding the science behind why people refer and building a simple, intentional plan around your best referral sources, you can replace unpredictable lead generation with a reliable, relationship-driven system that grows your business sustainably and profitably.   #ProfitAnswerMan #SmallBusinessGrowth #Referrals #ClientExperience #BusinessProfit #CashFlow #TrustedAdvisor #BusinessStrategy   Watch the full episode on YouTube: https://www.youtube.com/@profitanswerman Sign up to be notified when the next cohort of the Profit First Experience Course is available! Profit First Toolkit: https://lp.profitcomesfirst.com/landing-page-page  Relay Bank (affiliate link): https://relayfi.com/?referralcode=profitcomesfirst Profit Answer Man Facebook group: https://www.facebook.com/groups/profitanswerman/ My podcast about living a richer more meaningful life: http://richersoul.com/ Music provided by Junan from Junan Podcast Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Caitlin Krause, author of Digital Wellbeing, argues that intentional design unlocks genuine connection within virtual spaces. Drawing on her teaching at Stanford and the University of Oregon, she's explored how XR environments can foster asynchronous connection and ambient awareness for people who crave belonging without hyper-social performance. Her framework rejects the "digital detox" model entirely—instead advocating for dignity-first design where users match attention with authentic intention.The hosts debate the deeper question: what happens to human purpose when AI handles all labor? Rony Abovitz frames this as the "asymmetry of design"—it's easy to build addictive tech, hard to build wellbeing tech. Caitlin counters that we may return to the original meaning of "amateur" (from amor, "to love"), where humans find meaning through play, creativity, and what Harvard's lifespan study confirms: quality of relationship and presence. The conversation spirals from platform ethics to post-work society to what first principles we should use when designing XR.5 Key Takeaways from Caitlin:Loneliness is a biological prompt to find another human—not a void to fill with endless content. XR can foster genuine forms of connection without requiring hyper-social performance.Dignity-first design unlocks freedom, invention, and agency. When digital spaces prioritize user agency over engagement metrics, people report feeling like they "got their life back."Science will soon prove what we already know about fractal patterns in nature and digital signals. The key is designing digital experiences that resonate with how humans biologically thrive.The "middle path" between nature and digital is both/and. Gamers building entire lives in virtual worlds can be healthy when those worlds offer creativity, belonging, and meaningful challenge.The post-labor economy needs a reset in literacy and values. When AI outperforms human workers, purpose shifts from survival to what makes you feel alive—maker culture, digital fab labs, hands-on creation, and "amateur" pursuits driven by love.In the News: Oracle, Silver Lake, and Abu Dhabi's MGX close the $50 billion TikTok spin-off deal. Meta cuts Reality Labs by 30%, but CTO Andrew Bosworth says it's moving to AI. The TCL glasses demo 70 grams of lighter, more advanced XR hardware than Ray-Ban Meta—proving that smart spending beats mega-spend.This episode is brought to you by Zappar, creators of Mattercraft—the leading visual development environment for building immersive 3D web experiences for mobile headsets and desktop. Build smarter at mattercraft.io.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Former Kansas City Chiefs offensive lineman Joe Valerio and Forbes.com writer Jeff Fedotin discuss the watershed news that the Chiefs will be playing in Kansas City, Kan., starting in 2031. Jeff is pissed the Chiefs will be playing in a dome, and Joe shares his thoughts as someone who has played in Arrowhead Stadium. They also preview the Christmas night game between the Chiefs and Denver Broncos. Agree or disagree with our thoughts? Let us know on X: @joevalerio73 and @JFedotin. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textIan Reilly is a writer, artist, and award-winning entrepreneur whose life journey has taken him from the eye of a Samoan cyclone to the pages of Forbes and The Wall Street Journal. As the founder of Agersens, creator of the world's first virtual fencing system, Ian's career in innovation was profoundly shaped by his early experience volunteering in Samoa — where a devastating storm changed everything he thought he knew about control, purpose, and courage.His new book Encounter tells that story - a true account of finding meaning in disaster and learning to live boldly in the face of uncertainty.His website:    http://www.ianreilly.com.au/His Substack:  https://substack.com/ianreillyContact US:  Rumble/ YouTube/ IG: @powerofmanpodcastEmail: powerofmanpodcast@gmail.com.Twitter: @rorypaquetteLooking to help Like-Minded Fathers and Husbands?  Would you like to be a guest on our podcast?   Message me!You are worth it!  Believe it!

Seth Greene is a leading authority on affiliate-driven business growth and the founder of 50 DREAM Affiliates, which he scaled to the Inc. 5000 list in 2023. He is the co-host of the Sharkpreneur podcast with Shark Tank's Kevin Harrington, ranked among the top business podcasts to listen to, and a nine-time bestselling author. Seth has been featured on NBC, CBS, Forbes, Inc, and CBS MoneyWatch, is the only person ever nominated three consecutive years for GKIC Marketer of the Year, and is a serial entrepreneur who has founded four successful companies.   Here's some of the topics we covered:   How Seth Built His Edge in Marketing and Business Growth How Seth Helps Investors Scale Faster Without Wasting Money The Sneaky Direct Mail "Ninja" Tactic That Still Crushes Turning Investors Into On Camera Brands Through Short Form Video What "Lumpy Mail" Is and Why It Gets Opened Every Time The Story Behind Seth's Connection to Kevin Harrington of Shark Tank Inside Seth's Proven System for High ROI Marketing Campaigns How Newsjacking Puts You in the Media Without Paying for Ads   To find out more about partnering or investing in a multifamily deal: Text Partner to 72345 or email Partner@RodKhleif.com    For more about Rod and his real estate investing journey go to www.rodkhleif.com   Please Review and Subscribe  

Ever wondered what it really takes to make the Forbes 30 Under 30 list? In this candid conversation, we sit down with Zoya Hasan, Forbes editor and curator of the iconic list, to uncover the real process, the myths, and the hustle behind the headlines. From her journey as a chemistry major to leading one of the most competitive lists in the world, Soya shares insider stories, the importance of resilience, and why not everything you hear about Forbes 30 Under 30 is true. Whether you're an aspiring founder, a young professional, or just curious about what goes on behind the scenes, this episode is packed with insights on entrepreneurship, hustle culture, and the power of networking. We also dive into the infamous “under 30 to prison pipeline,” the role of diversity, and what makes a founder truly stand out. 00:00 Intro 02:39 Interview Begins: Zoya's Journey to Forbes 06:39 The Real Forbes 30 Under 30 Selection Process 14:39 Debunking Myths: Can You Pay to Get on the List? 22:39 What Makes a Standout Founder & The Role of Hustle Culture 32:39 Zoya's Advice for Aspiring Founders & Closing Thoughts Follow Zoya: https://www.linkedin.com/in/byzoyahasan/ Thanks to Squarespace for sponsoring todays video. Use code NATALIEBARBU or go to https://squarespace.com/nataliebarbu to get 10% off your domain or first purchase. Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith discusses the Federal Trade Commission's (FTC) new regulations on rental pricing transparency, following a settlement with Greystar.  Legendary author, Doug Casey, joins the conversation to argue that the Federal Reserve is waging a quiet war on the middle class.  Casey explains that by creating trillions of new fiat dollars to push interest rates lower, the Fed fuels inflation, which erodes savings, distorts markets, and quietly reduces the average American's standard of living. He warns of an impending economic downturn due to inflation and government debt. Resources: Find the FTC article here. Visit internationalman.com to read Doug Casey's weekly articles and watch his "Doug Casey's Take" videos on YouTube. Episode Page: GetRichEducation.com/585 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 or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the Fed keeps escalating their quiet war against the middle class. I'm talking about it with one of the most influential financial figures of the past century. Today, also what the recent FTC decision on rents means to real estate on get rich education.   Speaker 1  0:25   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 rights 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   Corey Coates  1:11   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  1:27   Welcome to GRE I'm your host. Keith Weinhold, let's get right into it, as there's a lot to cover here on our last big show before Christmas. Briefly before we get to the Fed's quiet war against the middle class the Federal Trade Commission just fired off a warning shot to landlords, and here's the translation about what this means to you, advertise your real all in rent amount with mandatory fees included in that amount or expect company and by company, the FTC means attorneys, paperwork and a long headache, and I'll tell you why I think this is a good thing. But really, first what this is all about is that it stems from the antecedent settlement with the massive global real estate company greystar, about transparent pricing. You might know that greystar is the massive global real estate company. They specialize in rental housing. In fact, greystar is the largest apartment operator in the entire US. They're in about 250 markets. The FTC cracked down on greystars add on fees, those fees added on to the rent amount that aren't clear and transparent right from the beginning. Now, in their case, it's things like Package Concierge charges, valet, trash service fees and some of these other line items that magically appear after a renter has already emotionally moved into a unit. Now for your rentals, they might be other things like Pest Control fees, gym fees, pet fees, utility add ons and notice that I use the word might, because clarification is still being sought here, but suffice to say, the least that you should know is really three things, advertise a rental price that excludes mandatory charges and that could be a violation of the law. So then state the total cost of renting the unit up front, no fine print gymnastics. Secondly, do a compliance check. You need to review your ads to confirm that they honestly convey your rental unit's price. That includes working with third party marketing vendors like Zillow or Facebook marketplace to see if they accurately state the all in price, because if they understate the price, it's still your problem. And thirdly, know that the FTC is reviewing harmful practices in the rental housing market. They'll take action against landlords that try to hide mandatory fees, so no hide and seek. And the FTC resource is in our show notes, and I sent it to you in last week's newsletter as well, if you want to read it, all my take here is that this type of transparency is a good thing. I mean, come on, we all know how annoying it is if, say, an airline states like, Hey, we've got prices to this destination. You can fly there for as low as $200 Yeah, but what if it's a 28 hour, four layover journey to fly 300 miles? Okay? What about buying an event ticket to go to a music concert and say you've already got 10 minutes wrapped up in this, but they don't show you the final price with all the fees until you've already invested that 10 minutes a. Then you learn about this in your shopping cart. So that type of thing is deceptive, all right. Well, what this FTC case does is it eliminates that effect in the rental housing market. So if you're a landlord, your competitors shouldn't be able to advertise base rents minus fees against your unit that appears higher priced than it's really not. And then for renters, I mean, the clarity helps expedite their search process. So this lets good assets compete on real value, and that is good business. Now, as far as the Fed controlling the economy, Jerome Powell announced interest rate cuts both last year and some more again this year, and though the effect isn't immediate, mortgage rates do come down with them. Mortgage rates have also fallen this year because the yield spread premium is lower. And you know what the prevailing sentiment is among a lot of armchair economists, it is squarely this, you ain't seen nothing for cuts yet. People say, Oh, watch, once Trump gets his guy in there in May, meaning that's when the newly appointed Fed chair is in power. Oh, you're really going to see some giant rate cuts then, yeah. I mean, a lot of people talk about this like it's certainly coming. They say then the Fed funds rate is going to go way down, meaning mortgage rates are then going to go way down, meaning that home prices are therefore going to soar next year. Well, all that could happen, but it is nowhere close to the certainty camp for everything to respond exactly that way. As you know, as a listener here, paradoxically, mortgage rates have little to do with home prices. Look at history over hunches. In fact, it might be more likely that those things don't happen and don't all break exactly that way, then the probability that they do, and that quickly gets into conjecture territory. As we know, lowering rates is bad too, because it signals that a weak economy needs the help. Typically. What could be different this next time. Well, whether we're in a good or a bad economy, Trump still wants lower rates, and he really imposes his will on the situation.    Keith Weinhold  7:30   We're about to bring in the author of a new book called The preparation. It's about preparing for the economic future. A lot of the book is mostly for young men and their parents, but we'll speak to both females and males. Today is the middle class both worse off and in a way, better off today than they were a generation or two ago. Talk to your grandparents. They didn't pay for a college education. They didn't get one. They rarely ate out at restaurants. They didn't have a smartphone, which is now practically mandatory to even exist. Today, people are paying for all of that, so no wonder that prospective first time homebuyers almost seem to be going extinct. Let's meet this week's guest.   Keith Weinhold  8:21   Are we going to get a painful financial reset in the form of runaway inflation, a market crash or something else? We'll answer that before we're done today, the Fed is engaged in a quiet war against the middle class. They are going to create trillions more Fiat dollars to lower interest rates further and create inflation that's according to today's guest. He is the International man himself, a legendary and generationally popular author, and he does a lot more than that. He's back with us for a sobering look at this today. Hey, welcome in. Doug Casey,   Doug Casey  8:57   Thanks, Keith. It's nice to be here with you, although care for me is in Buenos Aires, Argentina, where I spend a good part of the year.   Keith Weinhold  9:05   Such a nice place, good year round weather. There. A piece you recently wrote is titled, The Fed's quiet war against the middle class. The Fed recently announced that they're stopping Qt, which basically means they're stopping the destruction of dollars and opening the floodgates to print dollars. You've been known to say that the level of interest rates is the most important single indicator of an economy, and the Fed has made several quarter point cuts over the last year plus, although the President is supposed to stay independent of Fed influence. Oh my gosh, he has been more vocal than any other president ever over how badly he wants low rates. What are your thoughts with regard to all this Doug?   Doug Casey  9:53   Well, the Fed, which most people have been taught to believe, is part of the cosmic firmament. Right? It should be abolished. It serves no useful purpose. The Fed is an engine of inflation. It's what creates Federal Reserve notes. It's an engine of inflation and purely destructive, and it's used by the government to finance itself. So that's the first thing I've got to say. And they don't know what interest rates should be. Neither does Trump neither does anybody else. That's for the market to determine right and interest rates are set by the amount of savings that's done by the people and the amount of borrowing that's done by other people. The problem is with the Fed printing up lots and lots of money, which they are through the banking system, it makes it rather foolish to be a saver. In other words, if you produce more than you consume, which is something everybody should do, you want to save the difference. That's how you become wealthy. But if they destroy the currency with inflation, it's pointless to save, and if there's no savings, there's no capital to lend. This is why we're sliding off a slippery slope in the direction of a third world country where there's no savings, where the money's no good, it's a real problem. I think the average American, despite increases in technology that we've benefited from over many years, the average American has found his standard of living go down a lot, and it's basically because of the destruction of the currency that makes it impossible for him to save and get ahead of things, and results in wild and crazy moves in the stock markets and the real estate markets and the interest rate markets, where things become unpredictable. So everybody's being turned into a speculator, whether they like it or not, and frankly, we're headed towards a real reckoning in the US and in the world generally. So my approach at this point is to hold on to your hat, because we're in for rough running in the years   Keith Weinhold  12:14   to come. To create low rates, the Fed basically needs to create trillions of new Fiat dollars. Tell us about how that works.   Doug Casey  12:25   Well, it's a question of the supply and demand of money. You've got two things happening. Number one, when the Fed has quantitative easing, as they call it, which basically means inflating the dollar. Quantitative easing, or QE is just a nice word for inflating the dollar. They're increasing the supply of dollars out there. You increase the supply of dollars, the price of money goes down in the short run, but in the long run, the value of the dollar also goes down. And nobody's going to lend money if they can't get more in interest than it's being depreciated at. So you've got these two forces fighting against each other making for an unstable system. That's why I say that look before 1933 and when Roosevelt took gold out of the dollar, or in fact, before 1913 when the Federal Reserve was created, before that, there was no central bank. There was no Federal Reserve in the US. Money was just a medium of exchange and a store of value. It wasn't a political commodity, which it is now. Today, everybody is looking at the government to do something to make a decision to raise rates. Some people want them higher or lower them. Some people want them lower. But this is for the market to decide. It shouldn't be a political decision.   Keith Weinhold  13:53   Low rates, which most think are coming, produce an inflationary environment, which then means that longer term, there need to be new higher rates in order to combat that.   Doug Casey  14:05   Well, what we've got is a situation where conflicting advice and beliefs are causing rates, and indeed, most of the economy, to go up and down like an elevator with a lunatic at the controls. And actually, that's a very good analogy.   Keith Weinhold  14:22   And low rates to your earlier point, Doug, they don't encourage anyone to save. And you know what? Government policy doesn't encourage anyone to save either in times of crisis, like, look what happened during covid. Oh my gosh, if these people can't go to work and generate an income, they don't have any savings, obviously. So then let's go ahead and intervene even more and send them stimulus checks, basically a bailout. So low rates discourage anyone from saving, but so does our policy, because every time there's a big catastrophe, oh, they just come in with a safety net anyway. That's Part. The reason why we have such a problem with capital formation of the average American today?   Doug Casey  15:04   Well, it's actually worse than that, because over generations, a lot of debt has built up in the country. In other words, to maintain your standard of living, a lot of people have borrowed. They've done this either by taking the savings of past generations and borrowing it or mortgaging their personal futures. Either way, look, if you and I went out and borrowed a million dollars today, we could raise our standard of living artificially, sure, for the next year, but at the end of that year, we have to pay back the million dollars to lost interest, and that artificial rise in our standard of living will result in a very real decline in our standard of living. And a great deal of the borrowing that's been done to stimulate the economy through the banking system is for consumption, not for production. In other words, a lot of the borrowing is not to create new technologies and new infrastructure and new capital goods to create more wealth. A lot of it's just stuff that you wind up. People are borrowing things to fill their basements and their garages with more junk, consumer borrowing, borrowing for vacations, borrowing for to go to music, shows, all kinds of things. This has become a habit in the US, right? So let's look. It's going to end very badly. It's going to end and is ending as we speak, actually, in what I call the greater depression. It's going to be what we're looking at here, largely because of monetary manipulation, but also because taxes have gone up, up, up, up from zero level. Basically, in 1913 there were no income taxes in the US, the US government lived exclusively on minimal tariffs and excise duties. But today, there's right and they're very high, high levels of inflation, high levels of borrowing. So I think we're coming to the end of the road, as far as that's concerned. And it's bad news. Of course, most of the real wealth in the world, when you have a financial collapse, when you have a depression, most of the real wealth still exists. It just changes ownership, that's all so you want to position yourself so that you're not too adversely affected by what's coming   Keith Weinhold  17:31   this inflation and more coming inflation pumping up the asset values of the asset owners and then ruining the lifestyles of those in the lower middle class and making them trend down lower since they spend a greater proportion of their income on everyday needs like clothing and food, which is a small proportion of people that are well off and the poor don't have the assets to benefit from that inflation. And you know, Doug, it wasn't until I read your recent article that I realized something that initially the fed only had one mandate, price stability, and then later they added that maximum employment was their second mandate. I didn't realize that. So really, it's been an expansion of what they're paying attention to, and a de facto expansion of their powers and influence and control.   Doug Casey  18:23   Well, actually, they have a third mandate now, which is to control long term interest rates, to prop up the mortgage market, to prop up the real estate market. Because, as you know, the real estate market floats on a sea of debt, and if you can't get a mortgage, if you can't borrow, you can't buy real estate, or, for that matter, you can't sell it. So this makes it a very unstable situation, and most people are unaware of the fact that before the last depression, the longest mortgage you could get was five years, and that was with a 20% down payment. So things have changed a lot since then, and the more debt you use to finance anything, the more unstable things become. And the fact that things have become so unstable, and the average guy's standard of living has been sinking, and he has more credit card debt, more mortgage debt, more automobile debt. Used to be paid cash for a car, then was financed for two years and five and seven, and then it was leased where you never even owned it. I mean, this is, this is a trend that's coming to an end at this point, so it's going to be quite a comeuppance for people.   Keith Weinhold  19:42   I think long term financing and the easing of getting financing makes the cost of anything higher. There's probably no greater example than that of what has happened with college tuition over the decades. But you know Doug, when we talk about this centrally planned economy. Rather than letting free market forces take over, I love it. I just absolutely love it when the answer to a problem is actually doing less than what you're currently doing, let go of the reins, rather than the Fed controlling interest rates. If there were a free market doing it, you would have bank loan rates that couldn't become too high, or else they wouldn't attract borrowers. So rates would naturally fall, and then you also couldn't have bank loan rates that are too low, because you've got to compensate the bank for bad borrower risk. So rates would come up, and they would find some natural level, kind of to the point that you made earlier. There would be a natural set point price discovery. That's how I think of a free market working for interest rates rather than announcements by a Fed chair.   Doug Casey  20:51   Well, you're right. The problem is that the high government officials, the elite, if you would, think they know best and try to manipulate things, but they don't know best, quite frankly. And one other comment that you made, which I think is very appropriate, is college tuitions. For years, I've recommended that young people forget about college. It's a huge misallocation of your time and money, you wind up studying things well after you are through partying and drinking and chasing the opposite sex, and the things you learn about have no practical application in the world. And I'm not talking about learning history and the classics and mathematics and science, okay? Those are valuable things. Most of what people are taking in college today are hobby subjects, if you would, or things that are fun to learn in your spare time, but you shouldn't burden yourself with a lifetime of debt to do those things and get a worthless degree. Everybody has a degree and with grade inflation, they're a waste of time. That's listen. That's why I wrote this book with Matt Smith. Is my podcast. It's called the preparation. It's on Amazon, and it explains talking about your standard of living, which is what this is all about, really, why it's foolish to go to college today and exactly what especially a young man should do, instead of misallocating The four most valuable vibrant years of his life, sitting behind a desk listening to Marxist leaning professors corrupt you with all kinds of really bad ideas. So that's why we wrote the preparation. And it tells young men exactly what they should do, instead of burdening themselves under hundreds of 1000s of dollars of debt, which can't be discharged and serves no useful purpose, what they've learned in exchange for it. So, I mean, this is one of the one of the things that people should be doing, but not enough are.   Keith Weinhold  23:07   AI changes things fast. I mean, for a four year college graduate today, what you learned as a freshman three or four years ago could quickly be outdated, and that effect just wasn't nearly as great as it was a few decades ago, but if you're listening in the audio only, Doug just held his book called The preparation, which he co authored with Matthew Smith. If this way of thinking resonates with you, here's some actionable things that you can actually do. You're listening to get rich education. Our guest is international man. Doug Casey, when we come back, I'm your host. Keith Weinhold   Keith Weinhold  23:41   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. 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Start your prequel and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com.    Robert Helms  25:23   Hi everybody. t's Robert Allens of the real estate guys radio program. So glad you found Keith Weinhold and get rich education. Don't quit your Daydream.   Keith Weinhold  25:34   Steve, welcome back to get rich Education. I'm your host, Keith Weinhold, we're talking with Doug Casey about how the Fed is quietly intervening and hollowing out the middle class when it comes to interest rates. Since you state about them being the most important indicator for an economy, I think a lot of people don't realize Doug, and maybe you run into this too, that interest rates are not high today. I mean, on the long run, the Fed funds rate averages 4.6% and today it's in the high threes. So they're not actually high today. But with all these crises where we had all this money printing in these low rates, they feel high, but they're not.   Doug Casey  26:22   Well, you're quite correct. The question is, at what rate is the dollar losing value? The official US government figures say, Well, I don't know what they say. They vary, and the numbers are jumbled. And I think the general price level in the US, if we were realistic, is going up well over 5% probably closer to 10% you can make that case. Yeah, I think so, because I'm talking to you now from Argentina and for years, the figures were notoriously and outrageously concocted, made up to make people think things weren't as bad as they are. And here in Argentina, we've just had a revolution, actually a peaceful revolution, with replacing the Peronist government with a man named Javier Malay. It's probably the most unusual and most important election, believe it or not, in world history, because Malay was elected here in Argentina on the platform of basically getting rid of the government disbanding it. In other words, Elon Musk's Doge, but on steroids times 10, and things have gotten a lot better here because of that. And it's too bad that Doge has been eliminated in the US, because a lot of people don't understand that the government doesn't really produce anything at all. All it does is take taxes from you and pass that money around to other people with a lot skimmed off the top to do things that entrepreneurs would probably, or certainly, I'd say, do by themselves, and they make it worse by printing up money to give to people to do those things, and borrowing money, which acts as an albatross around everybody's neck. So I'd make the case that I'm not promoting either the Republicans or the Democrats, I'd kind of say a pox on both their houses. They're just two sides of the same coin. What I think we ought to have is a much smaller, much much smaller government. But are we going to get one? No, we're not getting it right now, because I think a lot of people aren't aware of the fact that the government is running 2 trillion, $3 trillion per year deficits, and those deficits are going up, not down. So where's that money coming from? Well, most of it's being created out of thin air. It's being inflated through the banking system. So the prognosis is not terribly good. Now, along the way, of course, people have hid in real estate, made a lot of money in real estate. Real estate prices have gone up faster than retail inflation has gone up. Yeah, but I'm asking myself whether it's not possible that the real estate market could come unglued at this point, because it floats on a sea of debt. What do you think, Keith, do you have any fears about that?   Keith Weinhold  29:27   Homeowners are in great shape today. They have record equity positions. They're not going to walk away. Many of them are still locked into these really low mortgage rates, so they're in really good shape. This is something very different from the 2008 global financial crisis, when you had irresponsible borrowers that had negative equity positions and an oversupply of housing so they could move out and get something cheaper. Today, if you move out in the great situation that you're in with your low mortgage rate and a high equity position, you'd lose your high equity position and. Might have to go pay rent that's higher somewhere else, so I don't see a lot of real estate appreciation coming over the next year or two, but I don't see any impending crash, largely due to that condition, there's not distress in the market.   Doug Casey  30:17   Are you worried about the fact that most local and state governments are on the ragged edge of insolvency and might be raising their real estate taxes and of course, insurance costs seem to be going up a lot faster than most other costs as well. Right now, utility costs are relatively low because oil and gas prices are low, but that could change too. I mean, is there anything that could take the real estate train off the rails?   Keith Weinhold  30:47   Not that I see. In fact, real estate values have only fallen substantially one time since World War Two, and that was during the 2008 global financial crisis, when we had conditions that are largely the opposite today. That's back when we had an oversupply and an irresponsible borrower that had negative equity so they wanted to walk away, and that created the down drain. To your point, yes, I do see property taxes continuing to increase, but because values aren't increasing as much, they would have to increase the mill rate to get further increases, and then most of the big insurance increases, many feel they are done. They had to come up. Because with inflation, the replacement cost of a property, if you would have a loss, rose and increased that way. So because we're still supply challenge in a lot of places, I see prices holding up but not appreciating like 10% anytime soon, and that's due to an affordability constraint. I don't see how they could possibly do that. And when we talk about that average person Doug, that person trying to make their mortgage payments or their rent payments, I was talking on a recent episode about the K shaped economy, I think it's something that we often visualize in our mind. You see the upper branch of the K rising, the lower branch of the k falling, which is emblematic of this hollowing out of the middle class. But I recently saw it graphically represented, where you have the capital share of income going up for people over the decades. That used to be 5050, between capital share of income and labor share of income. Back 60 years ago, it was 5050, but now, with this K shaped divergence, one's capital share of income is about 57% today, and their labor share of income is only about 43% today. And it's kind of sad. I sort of hate to say it out loud, but it's like, hard work just does not pay off, like it used to. Much of this due to inflation pumping up asset values.   Doug Casey  32:52   Well, I understand what you're saying, and I think you're correct, because there's an old saw. They say the rich get richer while the poor get poorer, and that's kind of what this K shaped economy is telling us. You've got the super rich in the top 1% or 1/10 of 1% that are becoming Ultra double wealthy, and the guy at the bottom, well, his social security taxes have risen from almost nothing to 15% of his wages, and it's a real problem. And it's said that the members of Gen Z can't afford to buy a house today as well. So what do you do about this? Well, my suggestion is, if possible, you don't want to get a job working for somebody else. If at all possible, you've got to work for yourself as an entrepreneur. That's the first thing. It's very hard to get wealthy working for somebody else. The best is to work for yourself, but in order to do that, you have to train yourself with lots of skills and lots of knowledge. And I'm not sure if people are doing that to the degree they ought to either. So I don't know how this is going to end. And of course, you mentioned earlier, artificial intelligence and robotics are tied up hand in glove with artificial intelligence. It's clear that within five years, we'll have robots that may not look entirely like people, but can do almost anything that a human being can do, and this is going to put a lot of pressure on people that don't have special skills, especially with artificial intelligence being programmed into these super competent robots. So the whole world is changing right before our very eyes. Right now,   Keith Weinhold  34:39   when we talk about the middle class struggle. I probably follow the housing market more closely than you do. The NAR recently gave us the latest statistic. Two years ago, the average age of the first time homebuyer was aged 35 last year, it rose to 38 this year, it's now 40 just the average. Age of the first time homebuyer. So in high cost areas, that could very well be 45 I mean, people are getting gray hair before they make a down payment for this middle class that's trying to get into the ownership class.   Doug Casey  35:13   And the further back you go, the younger the age right people were buying houses at So, I mean, it used to be people would try to buy a house right out of school. Frankly, that's out of the question today.   Keith Weinhold  35:27   Yeah, I sure don't remember those days myself, but Yeah, it sure was substantially younger just a couple decades ago. Well, Doug, where are we going with all this? I mean, does a reset eventually happen with either runaway inflation? Do you think that happens first, or some sort of market crash, or is it something else? I mean, what cataclysmic act is likely to happen first?   Doug Casey  35:52   Well, look, I hate to be too gloom and doomy, because everybody, first of all, generally speaking, trends in motion stay in motion, and everything has been maybe gradually descending standard of living wise, but the economy's held together, and we haven't had any catastrophic collapse. Well, almost in 2008 and a couple other times, but I think we're headed for one. So what should you do about it? I would say, consume less if you possibly can, and save what you can, if possible, take a second job while it's still possible, to go out and get a second job or found an entrepreneurial activity so that if you lose your job, you've got a backup system. But with the changes in technology and of course, what's happening in robotics and AI are just part of it. You're not going to be able to rely on what you relied on in the past, because the world is changing very, very radically as far as real estate is concerned. Look, I actually own a lot of real estate, but, you know, I've come to the conclusion that at this point I want to treat my house and other real estate, basically as a not so much as an investment to make money, but to store value. That's right, a store of value where I can put some capital aside. I don't want to keep a lot of money in dollars. That doesn't mean I want debt either. That's risky. For many, many years, I've advocated and bought gold and silver because they are money in its most basic form, and it's worked out really well. I started buying gold at about $40 it's at about 4000 today, and I've always treated it, almost always, as a savings vehicle, not as a speculative vehicle, although, if I want to speculate, I speculate in mining stocks, which are a leveraged way of playing gold and silver, the most volatile class of securities on the planet, actually, and I understand that a lot of people today have Robin Hood accounts and are speculating on the stock market, desperately trying to stay ahead of currency debasement and somehow build a nest egg for themselves by speculating in the market. Generally, that's not a good formula for success you're playing against, you know, extremely smart and well capitalized and knowledgeable big boys, and the fact that everybody's doing it is also, in itself, a tip off to the fact the stock market could be at the tippy top right now, I kind of think it is a bubble in the tech stocks. It's tough, Keith, there's not a lot of places to run and hide at this point.   Keith Weinhold  38:39   Price to earnings ratios are really bloated in the s, p5, 100. I'd love to get your thought on this. Doug, if a person can get a 30 year mortgage rate for a rental property where the rent income meets or exceeds the expenses at a mortgage rate between six and 7% should they do that?   Doug Casey  38:57   Look, if you can cover your mortgage a fixed interest rate mortgage 30 years. One thing that you can almost plan your life around is that dollar is going to lose value every year. So the actual value of your debt, your mortgage, is going to go down every year, right? And presumably the rent that you can charge on your house is going to go up every year. So yep, doing it the way I think you're doing it is an excellent plan for slow and steady long term success. Yeah, it makes sense. You're right.   Keith Weinhold  39:30   We actually have some listener questions on the thing that you brought up, which I call inflation profiting when you borrow long term fixed interest rate debt and get to pay it back with more plentiful dollars down the road. Some people don't understand what you just explained. One way I brought it up with my listeners is we'll just look back 30 years ago, in 1995 the average home cost 130k an 80% loan would be 104k so here, 30 years later, that median home costs over 400 K, and you still just owe 104k on the loan. That's the benefit of what I call inflation, profiting on long term fixed interest rate debt. And of course, your tenant would have paid that down to zero as well. But that kind of makes the benefit be more apparent when we look back into the past 30 years. Well, Doug, as we're winding down here, you have any other thoughts about, just say, the average American out there, what they should do with the Fed behaving and controlling the economy like we do. We're talking about the average American, maybe someone with a mortgage, some rental properties, some savings, maybe a 401, K. How do these potential shifts in Fed policy translate into real life consequences and actions for them. Is there anything else?   Doug Casey  40:44   Well, look, don't count on some outside force to kiss everything and make it better. You've got to look out for number one. And as I said before, the way you do that is you should cut back your expenditures every way you can at this point and when you cut back your expenditures, save that money. Now, what do you do with the money that you save? It's not as easy making that recommendation as it was a few years ago, when I was recommending gold, when it was much cheaper than it is. Now it's at $4,000 now look, save money, get an extra job, earn money, cut back your consumption, learn some new skills, because we don't know how things are going to reorient with the immense advances being made through AI and robotics. That's just generalized advice, but that's all you can do, is well and buy real assets. Nothing wrong with buying a house the way you're talking about if you can buy it and the mortgage is cracked with rent. Eventually, I think we're going to see interest rates go back up to the levels that they were in the early 1980s people don't remember this, but the US government was paying 1518, even 20% for its money, and mortgages were, well, 15, 16% it's going to happen again. So I think if you can lock in a mortgage anywhere in here, on a good piece of real estate that covers the mortgage, that's simple, it's doable. Everybody should try to do it. In addition to the other things I mentioned    Keith Weinhold  42:20   in 1981 the 30 year fixed rate mortgage peaked at over 18% to our earlier point about the fact that mortgage rates are actually historically low now so are fed funds rates. Well, Doug, tell us one last time about your new book and then any other resources. If our audience wants to engage with you   Doug Casey  42:40   I do a blog will know who he is. We've had him here on the show twice, yeah, well, he writes there for us every week, and we've got great articles. That's number one. Number two, I do a podcast with Matt Smith every week called Doug Casey's take on youtube.com third, I urge everybody to get this book, which talks about, if you have a grandchild, a son, it talks about why you should not go to college and what you should do exactly instead of going to college. So that's another thing to do. And we have a newsletter that also covers mining stocks, which is where I'm concentrated in at the moment. They're very cheap, very volatile, and one of the few places in the market, and I hate to say this, that offer the potential of 10 to one or more returns in the near future. So I guess those are the areas where you can find out more about me.   Keith Weinhold  43:49   Again, the new book from Doug is called the preparation. It shows a compass on the cover, and then internationalmen.com. Is actually where Doug wrote a piece called The Fed's quiet war against the middle class, which spawned this very conversation right here. Doug, it's been valuable as always. Thanks so much for coming back onto the show.   Doug Casey  44:08   My pleasure. Keith, thank you.   Keith Weinhold  44:16   Yeah, real estate is positioned for price stability. I was actually investing directly in real estate through the 2008 global financial crisis, and I know what happened is that people walked away from properties when the economy got rough and they couldn't make their payments. It is almost impossible for that to happen today. Homeowners can make their payments. Look through Census Bureau data in realtor.com we know a couple things here. Four in 10 homeowners have no mortgage at all. They own the property free and clear. And then among that group with mortgages, 70% of those borrowers still have a mortgage rate locked in at. Under 5% yes, still today I'll amalgamate those for you. This means that 82% of borrowers either have no mortgage or they have a rate under 5% so that is really affordable payments, along with the protective equity and inflation can't touch that principal and interest amount in addition to real estate, Doug Casey is a longtime gold and silver guy. Of course, both of those have sort to fantastic new all time highs this year.    Keith Weinhold  45:34   Merry Christmas and Happy Holidays from me and everyone here at GRE. Next week is another big one. You'll get GRE home price appreciation forecast for next year to the exact percent. I'm Keith Weinhold. Don't quit you daydream.   Speaker 3  45:53   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  46:21   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Because it's the end of the year, I figured we needed this one: Yasmine Cheyenne helps us walk some of our most challenging paths: self-forgiveness, people-pleasing, unhealthy relationships, and comparison.In this revisited episode, we explore:How perfectionism leads to self-abandonmentSetting boundaries as protection from burnoutHow early relational dynamics shape the way we show up in the worldIdentifying red flags in relationshipsBreaking free of what keeps us stuck in painful cyclesHow we lose ourselves when we make choices out of fearWhat is really happening when we compare ourselves to othersUsing our past as information — not a life sentenceYasmine Cheyenne is a self-healing educator, mental wellness advocate, author, and motivational speaker who helps people cultivate daily practices to build healthy, joyful lives. Yasmine's app, The Sugar Jar Community®, provides meditations and healing workshops to support our mental wellness. She's been featured on the Today show, InStyle, Forbes, and more. An Air Force veteran and native New Yorker, she now lives in Washington, DC with her family.Support the show: Enjoying this podcast? Please support the show on Substack for bonus episodes, community engagement, and access to "Ask Abbie" at abbieattwoodwellness.substack.com/subscribe Apply for Abbie's Group Membership:Already been at this anti-diet culture thing for a while, but want community and continued learning? Apply for Abbie's monthly membership: https://www.abbieattwoodwellness.com/circle-monthly-group Social media:Find the show on Instagram: @fullplate.podcastFind Abbie on Instagram: @abbieattwoodwellness Podcast Cover Photography by Anya McInroyPodcast Editing by Brian WaltersThis podcast is ad-free and support comes from your support on Substack. Subscribe HERE. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit abbieattwoodwellness.substack.com/subscribe

Re-Release: On this Live Greatly podcast episode, Kristel Bauer sits down with Amy Sandler, Principal Coach and Podcast Host at Radical Candor, to discuss how to successfully give and receive feedback at work and in life.  Tune in now! Key Takeaways From This Episode How to give feedback at work without being a jerk What is radical candor  Should you give positive and negative feedback at the same time? Tips to be better at giving and receiving feedback About Amy Sandler: Amy Sandler is Principal Coach and Podcast Host at Radical Candor, where she's also served as Chief Marketing Officer and Chief Content Officer. Amy has trained tens of thousands of people worldwide, ranging from CEOs and leadership teams to recent graduates just starting their career. Her leadership philosophy focuses on empowering people to develop greater awareness, resilience and compassion, essential foundations for teamwork and shared success.   A pioneer in bringing mindfulness-based leadership practices to the workplace, Amy was selected in 2014 to be one of the first 30 certified teachers of the Search Inside Yourself leadership program developed at Google. Amy brought mindfulness training and breathwork meditation to executive coaching organizations Vistage and YPO, where she also served in leadership roles.  Amy has an AB and MBA from Harvard University and an MFA in Screenwriting from UCLA. A certified breathwork meditation teacher, Amy is in the third year of a medical Qi Gong teacher certification program. She has performed stand-up comedy and walked on fire seven times.  Connect with Amy: Website: https://www.radicalcandor.com/  LinkedIn: https://www.linkedin.com/in/amysandler/  About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to "Live Greatly" while promoting leadership development and team building.   Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine and she has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC, and Ticker News. Kristel lives in the Fort Lauderdale, Florida area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

Is your home secretly making you sick? In this episode, I sit down with the magical and deeply intuitive Kristin Kilmer — eco-lifestyle designer, wellness expert, and sacred space curator — to talk about something we rarely give enough attention to… the healing power of your home.Kristin has worked at the intersection of biophilic design, environmental consciousness, and energetic wellness for over 20 years — helping clients turn their living spaces into literal sanctuaries of healing, creativity, and clarity.We dive deep into the invisible toxins (EMFs, mold, clutter, toxic materials) that disrupt our nervous systems, and how to create environments that support our evolution.Whether you're renovating your house or just clearing out a corner of your room — this episode is your invitation to reclaim your space as sacred.What you'll get out of this episode… Why design is more than aestheticsWhat most homes are missing (that hurts your nervous system)The hidden health dangers most people ignoreEMFs, mold & energy: the wellness trioEasy product swaps to reset your homeHow to start transforming your space TODAYConnect with Kristin WEB / https://kristinkilmer.com IG / https://www.instagram.com/kristinkilmer  Kristin's RecommendationsForce of Nature: https://www.forceofnatureclean.com/ Pure Shungite EMF ProtectorNatural Action Water Filters: https://naturalaction.com/collections/under-sink-drinking-water-solutions Austin Air Purifier: https://austinairsystems.com/IQAir Purifier: https://www.iqair.com/air-purifiersChromalux light bulbsBreathe better with JASPRAs a mama healing from mold toxicity, air quality has become deeply personal for me. JASPR removes 97.1% of mold in just 1 hour. Use code BRAVE for $400 OFF: https://jaspr.co/brave Support your body with REJŪVMy go-to science-backed red light therapy for faster recovery, reduced soreness, and deeper repair. Try it today with code BRAVETABLE: Https://werejuv.com/?ref=NEETABHUSHANWant more?

As Divorce & Beyond closes out 2025, Susan Guthrie welcomes back Trina Nudson for a powerful bookend conversation exploring BeAligned, a revolutionary AI-powered reflection platform designed to help parents regulate emotions, interrupt the cycle of conflict, and problem-solve with their children's wellbeing at the center. BeAligned is not another communication app, and it is not about getting co-parents to agree or behave perfectly. Instead, Trina explains how the platform meets parents where they are, supports emotional regulation in real time, and helps interrupt the conflict cycles that so often take over co-parenting relationships. Susan and Trina also explore how even one parent can shift the entire family dynamic, why co-parenting is about awareness rather than perfection, and how using technology intentionally can make co-parenting easier during emotionally charged moments. Why This Conversation Matters Co-parenting is hard even in intact families. Add divorce, grief, fear, and conflict, and it can feel overwhelming. Many parents know what they should do but struggle to access those tools in the moment when emotions take over. This conversation matters because BeAligned acknowledges the reality of human emotions and provides support in real time. It helps parents step out of fight, flight, freeze, or fawn, see the bigger picture, and create solutions that protect childhoods without relying on blame, shame, or court intervention. You Will Learn: Why it only takes one parent to shift the co-parenting dynamic Why co-parenting is not about perfection, but about awareness and regulation How BeAligned helps parents move from reaction to alignment and interrupt the cycle of conflict How technology can support calmer communication without replacing attorneys, therapists, or coaches Why focusing on children's needs changes everything Special Offer from Trina Nudson and BeAligned: Trina is generously offering Divorce & Beyond listeners 90 days of free access to BeAligned using code BEYOND.  No credit card required. You'll get full access to the platform's reflection tools and support resources, and an invitation to share feedback that helps improve and expand its impact. Visit http://BeAligned.app to get started. About the Guest:  Trina Nudson is a family law attorney, mediator, court-appointed guardian ad litem, child advocate, Certified Divorce Coach® (CDC®), Divorce Coaching Academy® graduate (DCA®), and Licensed Bachelor Social Worker with more than 25 years of experience in the trenches of high-conflict co-parenting and family systems. She is the founder of The Layne Project, owner of My Child Advocate, PA, and the creator of the evidence-based BeH2O® co-parenting system and BeAligned™, an AI-powered reflection platform that helps parents move from reaction to alignment. Across thousands of cases, Trina has worked alongside judges, attorneys, therapists, and schools to center children's wellbeing while helping parents navigate some of the hardest seasons of their lives. Her mission is simple and non-negotiable: safeguarding childhoods by helping adults show up with clarity, steadiness, and purpose—especially when it's hard. Websites: BeAligned: http://bealigned.app BeH20: http://BeH2OCoparenting.com Social Media: https://www.linkedin.com/in/trina-nudson-19b169149/ Divorce and Beyond Appearances: The Business of Co-Parenting: How Neuroscience and Mindset Coaching Are Transforming Conflict into Collaboration with Trina Nudson on Divorce & Beyond ===================== Make the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond:  https://divorceandbeyondpod.com, IG: @divorceandbeyondpod Meet Our Host Susan E. Guthrie®, Esq. is one of the nation's leading family law and mediation experts, with more than 35 years of experience helping individuals and families navigate divorce and conflict with clarity and compassion. She is the Immediate Past Chair of the American Bar Association Section of Dispute Resolution, a best-selling author, and a sought-after speaker, trainer, and practice-building consultant. Susan recently appeared as the featured expert on The Oprah Podcast, where she shared her insights on gray divorce and the changing landscape of relationships. Her expertise has also been featured in The Wall Street Journal, Forbes, The Washington Post, NewsNation, and NBC's Chicago Today, among many others. As the creator and host of the award-winning Divorce & Beyond® Podcast, ranked in the top 1% of all podcasts worldwide with more than 3.4 million downloads, Susan brings together top experts and powerful personal stories to help listeners move through divorce and beyond with confidence, insight, and hope. Learn more about Susan and her work at susaneguthrie.com. Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond!   ***************************************************************************** A Smarter, Simpler Way to Navigate Your Divorce Looking for a clearer and more affordable way to move through your divorce? Check out Hello Divorce. Their guided online platform combines easy-to-follow tools with real legal and coaching support to help you complete your divorce with less stress, less confusion, and far lower costs than a traditional courtroom battle. They have created a special page just for Divorce & Beyond listeners. Explore your options at hellodivorce.com/susan. ***************************************************************************** Special Offer from Blue Mercury Treat yourself to luxury skincare, makeup, and fragrance favorites from Blue Mercury, your destination for beauty and self-care. Divorce & Beyond listeners receive 15% off their first order when they use the special link in the show notes. Because you deserve to look and feel your best,  inside and out. You must use this link to receive the 15% off on your first Blue Mercury order: https://divorcebeyond.com/Blue-Mercury ***************************************************************************** Opportunities for Expert Guests and Fellow Podcasters Partner with Divorce & Beyond Whether you're a podcaster looking to expand your reach or an expert ready to share your insights, Divorce & Beyond offers the perfect platform to amplify your voice.  Find out more here: https://divorceandbeyondpod.com/guest-opportunities ***************************************************************************** DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM

In this episode, Steve Fretzin and Charlie Gaudet discuss:Moving beyond hard work toward sustainable growthEscaping the founder-centered business modelOutperforming talent using systems Protecting time as the highest-leverage asset Key Takeaways:Hard work eventually becomes a liability when it replaces strategy, systems, and recovery. Sustainable growth requires designing the business so it scales without destroying the founder's health or capacity.Businesses stall when the founder becomes the bottleneck for decisions, delivery, and growth. Long-term scale only happens when systems and teams replace heroic individual effort.Top performers win not because they work harder, but because their systems reduce variation and create consistency. Documented, measurable processes turn small improvements into repeatable, compounding gains.Return on Time matters more than effort, activity, or hours worked. Delegation, automation, and pricing strategy free leaders to focus on high-impact thinking instead of constant execution. "They have to look at ROT, which is return on time… Where are they spending the time, and how do they maximize their time?… Raise your rate… leverage AI… More and more attorneys are able to get more done in less time when they can leverage AI in the right way." —  Charlie Gaudet Check out my new show, Be That Lawyer Coaches Corner, and get the strategies I use with my clients to win more business and love your career again. Ready to go from good to GOAT in your legal marketing game? Don't miss PIMCON—where the brightest minds in professional services gather to share what really works. Lock in your spot now: https://www.pimcon.org/ Thank you to our Sponsor!Rankings.io: https://rankings.io/ Ready to grow your law practice without selling or chasing? Book your free 30-minute strategy session now—let's make this your breakout year: https://fretzin.com/ About Charlie Gaudet: Charlie Gaudet is the author of “The Predictable Profits Playbook: The 7- and 8-Figure CEOs' Guide to Generating Consistent and Sustainable Growth“ (voted #1 Book on Sales & Marketing by Indie Excellence) and host of The Beyond 7-Figures Podcast.The International Business Times called him “The Go-To Business Coach for 7- and 8-Figure Businesses” and perhaps the “busiest sales coach in the US.“GritDaily said Gaudet is: “regarded in entrepreneurial circles as one of the top coaches for helping entrepreneurs surpass the seven and eight-figure mark.”Yahoo Finance referred to him as: “The CEO Whisperer.”CEO Weekly said he was one of the top 10 “Innovative CEOs to Follow.”And he's listed at the top of several “Best Business Coach”  lists.He's been an entrepreneur since the age of 4, created his first multi-million dollar business at 24, and has helped others generate millions with his strategies.He's received numerous awards and recognition (including founding a company named as “One of the Best Seed Stage Companies” by Ernst & Young), received his Certificate of Leadership Development from The US Army War College and has his business advice featured around in the world – including Inc., Forbes, Salesforce, Success, Entrepreneur, and Fox Business – as well as on podcasts and radio.He was named one of American Genius's Top 50 Industry Influencers.He trains in Brazilian Jiu-Jitsu (two gold medal finishes) and is a 3-time wrestling state champion. He lives in Florida with his beautiful wife, three adorable kid-preneurs, and one badass dog. Connect with Charlie Gaudet:  Website: https://predictableprofits.com/  Connect with Steve Fretzin:LinkedIn: Steve FretzinTwitter: @stevefretzinInstagram: @fretzinsteveFacebook: Fretzin, Inc.Website: Fretzin.comEmail: Steve@Fretzin.comBook: Legal Business Development Isn't Rocket Science and more!YouTube: Steve FretzinCall Steve directly at 847-602-6911 Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Former Kansas City Chiefs offensive lineman Joe Valerio and Forbes.com writer Jeff Fedotin give their quick reaction to the Chiefs' lackluster loss to the Tennessee Titans. Though the Chiefs had the horrendous luck of having another backup QB lost to an ACL, they both wanted to see more snaps from the rookies. They also discuss what the Chiefs need in the draft and respond to some social media criticism regarding the team's effort. Agree or disagree with our thoughts? Let us know on X: @joevalerio73 and @JFedotin. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the Moral Imagination Podcast I speak with Magatte Wade about her book, The Heart of Cheetah, her personal journey, entrepreneurial ventures, and her vision for a free and prosperous Africa. Magatte was key voice and important influence in the film I directed, Poverty, Inc. She is a force for promoting freedom, the dignity of the person, and entrepreneurial solutions to poverty in Africa and throughout the world. I've know Magatte for many years and am delighted to have her on the podcast. We discuss the misconceptions surrounding African poverty and the need for economic freedom and institutions of justice – private property, rule of law, and ability to participate in the formal economy - for fostering opportunity and human flourishing for the poor. At the end of our conversation we also talk about poverty in America, the American dream from the perspective of an immigrant, emphasizing the need for a balance between material prosperity and moral values. Magatte emphasizes that Africa will only thrive through entrepreneurship, political and economic freedom, and a commitment to rule of law and human dignity.Biography Magatte Wade is founder of SkinIsSkin, and Senior Fellow at Atlas Network, the leading organization of African free-market think tanks. She was listed as a Forbes “20 Youngest Power Women in Africa,” a Young Global Leader by the World Economic Forum, and a TED Global Africa Fellow. You can learn more about her work at MagatteWade.comChapters 00:00 Introduction to Magat Wade and Her Work12:47 The Path to Prosperity: Entrepreneurs and Free Markets39:52 The Reality of Poverty in Africa45:02 Devotion to Prosperity in Africa50:50 Cultural Identity and Entrepreneurship57:54 The Complexity of Labor Laws01:08:24 The Informal Economy and Its Consequences01:15:12 The Aha Moment: Economic Freedom and Wealth Creation01:25:09 The Correlation Between Property Rights and Prosperity01:30:09 The Anthropological Error of Socialism01:36:30 The Threshold of Flourishing01:45:48 Virtue, Character, and Economic Freedom01:54:12 The Teaching Power of Law02:06:11 Creating Conditions for Prosperity02:11:21 Misdiagnosis of Poverty and Its Consequences02:19:00 The Cheetah vs. Hippo Generations: A Call to Action02:29:08 Flourishing vs. Prosperity: A New ParadigmResources Get full access to The Moral Imagination - Michael Matheson Miller at www.themoralimagination.com/subscribe

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Being smart won't make you rich; knowing the rules of the game and actually playing it will. Watch Why Dumb People Get Rich:    • 15 Reasons Why Dumb People Get Rich   Escape poverty through education: https://www.alux.app We put together a FREE Reading List of the 100 Books that helped us get rich: https://www.alux.com/100books In this Alux original episode, we're breaking down why people who are perceived as smart in society (high IQ, good grades in school) usually end up broke or struggle financially.  - Bonus Tools: Protect yourself online with NordVPN: https://www.nordvpn.com/alux Get a free audiobook when you sign up: https://www.alux.com/freebook Start an online store today: https://www.alux.com/sell Sell an online course: https://try.thinkific.com/f5rt2qpvbfok - Get Rich Playlist:    • Get Rich Playlist - Alux.com   Take Action Playlist:    • TAKE ACTION by Alux.com   All Sunday Motivational Videos:    • Sunday Motivational Videos   Book Club:    • Alux.com's Book Club   - Social Media:  / alux    / alux    / aluxcom   --- Alux.com is the largest community of luxury & fine living enthusiasts in the world. We are the #1 online resource for ranking the most expensive things in the world and frequently referenced in publications such as Forbes, USAToday, Wikipedia and many more, as the GO-TO destination for luxury content! Our website: https://www.alux.com is the largest social network for people who are passionate about LUXURY! Join today! SUBSCRIBE so you never miss another video: https://goo.gl/KPRQT8 -- To see how rich is your favorite celebrity go to: https://www.alux.com/networth/ -- For businesses inquiries we're available at: https://www.alux.com/contact/

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