Podcasts about Forbes

Rhonda Byrne is the creator and executive producer of the film The Secret; producer of the motion picture adaptation, The Secret: Dare to Dream; author of the books The Secret, The Power, The Magic, Hero, The Secret Daily Teachings, How The Secret Changed My Life, The Greatest Secret, and The Secret to Love, Health, and Money: A Masterclass; and creator of The Secret Manifestation Cards deck. Rhonda was born in Australia and began her career as a radio producer before moving into television production. In 2006, her work took a very different direction when she released The Secret documentary film, which was viewed by millions across the planet. She followed with The Secret book, a worldwide bestseller available in more than fifty languages with over thirty-four million copies sold. Following its release in November 2006, The Secret sat at the top of the New York Times bestseller list for over two hundred weeks and was named by USA Today as one of the top-twenty bestselling books of the past fifteen years. In January 2007, Rhonda appeared on The Oprah Winfrey Show with four teachers from The Secret documentary. In May 2007, Rhonda Byrne was recognized as one of the world's most influential people in Time magazine's “The Time 100: The People Who Shape Our World” and shortly afterward appeared on Forbes' “The Celebrity 100” list. In 2010, Rhonda continued her work with The Power, which immediately became another New York Times bestseller. The Power is now available in forty-eight languages. The book The Magic was released in 2012, and Hero was released in 2013. Also released in 2013 was The Secret Daily Teachings book edition. Her 2016 book, How The Secret Changed My Life, features a compilation of real-life stories from readers whose lives have been transformed by the message of The Secret.  Rhonda's 2020 bestselling book, The Greatest Secret, takes her readers beyond the material world and into the spiritual realm. A collection of three audiobooks in The Secret Masterclass series was also released in 2020—The Secret to Money, The Secret to Health, and The Secret to Relationships. These masterclasses were then released as a book in 2022 called The Secret to Love, Health, and Money: A Masterclass. Rhonda served as a producer on the 2020 movie The Secret: Dare to Dream, based on her book The Secret. The film stars Katie Holmes, Josh Lucas, and Jerry O'Connell. In 2023 The Secret Manifestation Cards—a deck of sixty-five beautiful and inspiring cards based on The Secret's original manifestation teachings—were released. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this podcast episode, Dr. Jonathan H. Westover talks with Jason Greer about navigating employee relations in the modern world of work.Jason Greer is the founder and president of Greer Consulting, Inc., a labor management and employee relations consulting firm based in St. Louis. As a nationally recognized expert in the field, Jason is a trusted source of information on the latest race and labor relations news for media outlets including The Wall Street Journal, Forbes, and FOX News Radio. He provides valuable insight into breaking stories such as the George Floyd moment, racial protests, and diversity issues in the workplace.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What does it take to build the largest coffee company in an entire country from the ground up? Adam Jason spent years working in corporate America as a lawyer, grinding through the traditional path most people never question. It wasn't until a vacation to Colombia that everything changed. What started as a trip turned into a vision, and that vision turned into the Green Coffee Company. Adam joins the Wealth Juice Podcast to break down the entrepreneurial journey behind one of the most ambitious agribusiness stories in South America. With over 45 farms, 9 million coffee trees, and 350+ full-time employees spread across 10,000 acres in Colombia's Antioquia region, GCC didn't just enter the coffee industry, they rewrote the rules of it through full vertical integration and farm-direct supply chain control.   What makes Adam's story even more remarkable is how they funded it, not through traditional venture capital, but by raising money from individual investors in a model that Fortune Magazine called a blueprint for a "post-VC world." In this episode, Adam shares the real entrepreneurial lessons behind scaling a complex, multinational operation, landing partnerships with clients like the Chicago Cubs and LA Rams, securing $8M in sustainable financing, and building a brand that has been featured in Forbes, the Financial Times, and beyond. Whether you're building your first investment or your next business, this conversation is packed with frameworks you can apply immediately. Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your mentorship discovery call with Cory RESOURCES

On this episode of the Live Greatly podcast, Kristel Bauer sits down with Jon Acuff, New York Times bestselling author of 11 books and author of his new book, Procrastination Proof: Never Get Stuck Again.  Kristel and Jon discuss different procrastination personalities and how to overcome them. Tune in now! Key Takeaways From This Episode: A look into Jon's book Procrastination Proof: Never Get Stuck Again The four procrastination personalities (Dreamers, Perfectionists, Hustlers, Analysts) and the specific intervention each one needs The importance of permission to overcome procrastination ABOUT JON ACUFF Jon is a New York Times bestselling author of 11 books and the author of his new book, Procrastination Proof.  Jon has worked with teams at FedEx, Walmart, and Nissan. He has spent over a decade and more than 30,000 participants building a simple, practical system for closing the gap between intention and execution. Not through hustle or grinding harder. Through understanding the specific pattern keeping someone stuck and building a way out of it that actually works with how driven, high-functioning people operate. Connect with Jon Acuff   Order Procrastination Proof   Website: https://jonacuff.com/  Instagram: https://www.instagram.com/jonacuff  LinkedIn: https://www.linkedin.com/in/jonacuff/  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 award-winning 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's work has been featured in Forbes and she has had multiple TV appearances including NBC News Daily, ABC News Live, FOX Weather, ABC 7 Chicago, WGN Daytime Chicago and more. Kristel lives in the Chicago, IL 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.

"You see corporate procurement of clean energy, predominantly renewable energy, but there's fleet investments, there are efficiency improvements in buildings and on campuses underway….but it was a little different than what we'd seen in recent years. It wasn't just solar and wind. There was an interest in 24/7 reliable clean energy in particular by the tech industries, which won't surprise you, but things like nuclear, geothermal, other integrated technologies like solar and storage…So that's kind of an interesting set of dynamics because it's really diversifying the players in the corporate for procurement space" Lisa Jacobson on Electric Ladies Podcast With the war Trump started in Iran causing gas prices to soar, we wanted to understand where the energy sector really is today, despite economic and geopolitical pressures. Luckily, the new 2026 Energy Factbook just came out with the answers. Listen to Lisa Jacobson, President of the Business Council for Sustainable Energy (BCSE) talk about the findings in the new energy report they did with Bloomberg New Energy Finance (BNEF) again in this fascinating discussion with Electric Ladies host Joan Michelson.  You'll hear about: How AI is affecting energy markets and sources -- beyond just data centers. How the energy supply chain is at risk, not just the energy sources themselves. How reliable the grid is today and what's being done to strengthen it, including increasing transmission, efficiency, and resiliency in the face of $800 billion in climate events last year. Why she said AI is "inertia breaking" in a good way, forcing breakthroughs that are long overdue. Plus, insightful career advice, such as… "Reach out, reach out, reach out…We're an expanding sector and so much new innovation, new technology, new focus on us…it's a good time to be in the energy sector …So I think a lot of it's still relationships and putting yourself out there. I think that is key. And certainly I would say to anybody who's listening, don't hesitate to reach out to me.… (and) Be generous with your time." Lisa Jacobson on Electric Ladies Podcast Read Joan's Forbes article about this new report here and more of her articles here too. You'll also like: Nuclear Energy is Growing Fast - with Maria Korsnick, CEO of the Nuclear Energy Institute The Politics of Progress on Climate and Energy - with Congresswoman Chrissy Houlahan of Pennsylvania, Co-Chair of the Bipartisan Climate Solutions Caucus and Air Force veteran Energy Efficiency Saves Money - with Paula Glover, CEO of the Alliance to Save Energy Critical Minerals 101 - with Abby Wulf, Critical Minerals expert and former head of Critical Minerals in the U.S. Dept. of Energy Why Geothermal is the Next Big Thing - with Marit Brommer, Ph.D., head of the International Geothermal Association Subscribe to our newsletter to receive our podcasts, blog, events and special coaching offers.. Thanks for subscribing on Apple Podcasts or iHeartRadio and leaving us a review! Follow us on Twitter @joanmichelson

GuestPete Anevski, CEO, Progyny PGNYCompany:ProgynyWebsiteprogyny.comTicker: $PGNYPete's BioPete Anevski is the Chief Executive Officer at Progyny, where he leads the company's strategic vision and growth as it transforms the family building and women's health benefits industry. With decades of experience building and scaling operations at leading healthcare and technology companies, Pete is driving Progyny's aim to deliver equitable, high-quality care for women and families.Under Pete's leadership, Progyny has expanded its footprint to support millions of lives across the U.S. and globally, while introducing new solutions that address care gaps across fertility, maternal health, parenting, menopause, and midlife. He is a passionate advocate for redefining the standard of care, building an integrated, data-driven model that improves outcomes, enhances the member experience, and lowers costs for employers.Prior to becoming CEO, Pete served as Progyny's President and Chief Financial Officer. Before joining Progyny, he was Chief Financial Officer at WebMD, where he helped scale the organization and expand access to health information for millions of consumers.A recognized industry leader, Pete was named to the TIME100 Health list for protecting access to IVF, Ernst & Young's Entrepreneur of the Year, Crain's New York Notable Leader in Healthcare, and a Champion for Women's Health by The World Economic Forum. A frequent speaker on the future of women's health and family building benefits and continues to work closely with top employers, consultants, and policymakers to champion access and innovation.Company BioProgyny (Nasdaq: PGNY) is a global leader in women's health and family building solutions, trusted by the nation's leading employers, health plans and benefit purchasers. We envision a world where everyone can realize their dreams of family and ideal health. Our outcomes prove that comprehensive, inclusive and intentionally designed solutions simultaneously benefit employers, patients, and physicians.Our benefits solution empowers patients with concierge support, coaching, education, and digital tools; provides access to a premier network of fertility and women's health specialists who use the latest science and technologies; drives optimal clinical outcomes; and reduces healthcare costs.Headquartered in New York City, Progyny has been recognized for its leadership and growth as a TIME100 Most Influential Company, CNBC Disruptor 50, Modern Healthcare's Best Places to Work in Healthcare, Forbes' Best Employers, Financial Times Fastest Growing Companies, INC. 5000, INC. Power Partners and Crain's Fast 50 for NYC. For more information, visit www.progyny.com.

If you’ve ever reached a goal and felt an unexpected emptiness, you’re not alone. Success has a way of delivering a moment, but not a lasting sense of meaning. In this REVERB conversation, Suzy Gray and Andy unpack why achievement alone falls short and what actually creates a meaningful life. Meaning isn’t found in what you accomplish, but in who you serve. When your life becomes a means to something beyond yourself, you trade the cycle of chasing the next win for something far more lasting. The challenge for every leader is to be intentional—because if you’re not, success can quietly drift into something that feels surprisingly empty. Recognized as one of Forbes' 6 Leadership Podcasts To Listen To In 2024 and one of the Best Leadership Podcasts To Stay in the Know for CEOs, according to Industry Leader Magazine. If this podcast has made you a better leader, you can help it by leaving a quick Spotify or Apple Podcasts review. You can visit Spotify or Apple Podcasts, and then go to the “Reviews” section. Thank you for sharing! ____________ Where to find Andy: Instagram: @andy_stanley Facebook: Andy Stanley Official X: @andystanley YouTube: @AndyStanleyOfficial See omnystudio.com/listener for privacy information.

Keith explores how long-running social and economic shifts are redefining the American Dream—especially for younger adults who are putting off milestones like moving out, starting families, and buying homes.  He connects these trends to today's housing scarcity, elongated renter stage, and what that means for long-term rental demand and real estate investors. Keith also zooms out to place the current moment in the sweep of American history, then welcomes Redfin Chief Economist Dr. Daryl Fairweather for a data-driven conversation on affordability, supply constraints, renting versus owning, and how demographic changes could shape the next wave of opportunities in both ownership and rental markets. Episode Page: GetRichEducation.com/601 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, learn just how far behind today's 30 year olds are then American history by decade as the nation approaches its 250th birthday. Finally, a conversation about what's next for the housing market with Redfin's chief economist Darrell fairweather today on get rich education.   Corey Coates  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android. Listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:10   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:44   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:54   Welcome to get rich Education. I'm your host. Keith Weinhold, the voice of real estate investing since 2014 almost nobody talks about a really important story going on in America today. And I find this really astonishing. I mean, you could almost never think of America the same way again, as you'll hear while you've got these other headlines out there, constantly sucking oxygen out of the room, like decisions from the White House and inflation and wars. One big story. It moves so slowly that it kind of creeps up on you. It is the jaw dropping change in American society over the last 40 years. And then we'll discuss its seismic changes for real estate. And this is sourced from a Census Bureau supplement. It's about how fewer us adults reach typical life milestones by age 30, and this is partly because more adults opt for college than in previous generations. Oh, well, college doesn't sound like such a bad thing. I'll get to that. And by the way, 30 is an age that has come and gone for me, so I've lived through it. We're looking at a period from 1985 to 2025 so 40 years first, it's those that live on their own. In 1985 it was 83% today it's just 67% so then the percentage that don't live on their own and probably live with their parents or roommates, that has doubled. You see even more drastic declines for other milestones since 1985 those that have ever married from 77% down to 45% those that live with a child and the responsibility that this entails that's fallen from 59% down to 36% and those that own a home 48 down to 29% and again, this is for all 30 year olds since 1985 this steady, sliding, relentless decline of those who live on their own, are married, have a child, or own a home, is pretty stunning, and this is inside the most powerful nation on Earth. And here's the thing, this pattern from about 40 years ago, it unabatedly crosses through booms and busts and bubbles and bailouts, sort of like it didn't even notice those things. Somewhat ironically, what's grown during this time is the percentage that have a bachelor's degree. It's gone from 25 up to 43% so therefore, here we. Are. We've got this generation that's better educated than ever, and yet more of them are stuck down on the launch pad. It's like we built better rockets yet we can't light the fuse. And before I help you make sense of this and tell you what I believe the main force behind it to be, you just got to consider what an unfathomable aberration this has all become. At age 25 James Madison was the key architect of the US Constitution. A lot of constitution signers were in their 20s and 30s. At age 21 Steve Jobs started Apple in a garage at 20 Bill Gates co founded Microsoft at 19 Mark Zuckerberg built Facebook in a dorm room. And sure, some of these are exceptional examples, but these people committed early, and then they figured it out on the fly.   Keith Weinhold  5:59   Well, what about women? The US birth rate has hit an all time record low, because today, nearly half of 30 year old women are still child free. Okay, so some of this is logical. You can connect a few dots here more time in school, yeah, all right, that means later marriages and later kids. Sure, student debt that equals financial Gravity Boots that keep you in place. Urban living means smaller spaces. But when you stack all this together, like I just laid out later, it's not just later anymore. It is really later. That is the huge change that really startles you when you put all of this together and again, remember, over this same time span, 1985 to today, I've mentioned before how the average age of the first time homebuyer has ballooned from 29 up to 40. I mean 40 that can really take some time to sink in. And again, that's just the average in high cost housing areas. This number could be 45 or higher. I mean, sheesh, the starter home is now like a midlife purchase, and it's made right around the time that your back starts to make decisions for you, consider where we are here now, the term home ownership that is increasingly linked to older people. Those things home ownership and older people are increasingly synonymous terms. Now, owning a home, it's like a luxury good for the already established. I mean, it is pretty jaw dropping. And one contributor to these friends is the lack of available housing supply, still a 60 to 70% collapse in some populous northeast states, but really something like that. That's just a small thing. When you amalgamate it all together, it's become cultural really. The bigger trend that underlies this decline in meeting life milestones at age 30 is that long term true inflation exceeds wage increases over the decades, but there are big social shifts too. And by the way, I left my parents home for good at age 23 and some surely do so younger than I did marriage and children, they are the classic triggers to buy a house, and the longer that these type of milestones get postponed, the more likely people are to favor then flexibility over committing to a mortgage, and this then means that there is an elongated renter stage of life. Renters are no longer just passing through they're no longer just graduated from college, renting a year or two and then buying a home. Instead, they are planting flags and really pounding in stakes. And there are countless surveys that show that renters value the ability of being able to relocate without the hassle of having to sell a house. And on top of all of these trends as America ages overall, something really interesting starts to happen. This is why single family rentals have really begun to shine over the past few years, and why you had this Advent and popularity of new build and build to rent rental properties coming onto the market because single families give people the feeling of home and space and privacy and a backyard for the dog, but yet at the same time, it's commitment light, a lighter version. Now apartments benefit too, of course, and for investors, this isn't just. The trend, this is a long term tailwind, fewer life transitions. It means more stable occupancy and longer renter life cycles that lead to fewer turnovers and vacancies and repairs, so less churn, more consistency and better predictability. So the bottom line here is that this delay of life milestones, it's not subtle. It is pretty seismic, and increasingly people say that the American dream no longer even includes home ownership. Demography is destiny, and they must rent from you. And here at GRE we invest like these trends are real, but I really want to emphasize that this elongated renter stage of life really is a long term, long tail phenomenon. And I want to emphasize that because, like I said last week, in the short term, we really aren't seeing any significant rent increases due to that affordability constraint. Now we're nearly five years after America had a big wave of consumer inflation, and that really hurt kind of people this age that I'm talking about, people in their 20s and 30s, that really hurt them the most because they don't own assets that compound with the concurrent asset price inflation, they only had to deal with the bad stuff, the consumer price inflation.    Keith Weinhold  11:30   And as America approaches its 250th birthday, let's think about how this era compares to other decades. And by the way, do you know what a 250th anniversary is called? I put a line about this in my newsletter that I sent you the other day. It is called a semiquincentennial, or, I guess, semi quincentennial. I don't think that anyone's going to be using that word after the fireworks. Semiquincentennial. That sounds like a word that an Economic Committee came up with during a recession to kind of mask a worse problem or something. I suppose that the etymology makes sense. If you break it down, quincentennial would be 500 and semi would be half of 500 in any case, as you try to compare this American era to others, listen to this from the parallel truth. This is about three minutes long, and then I'll come back to comment. It's America by decade, starting all the way back in the 1770s This is a decent summary here, although it can get unnecessarily gloomy at times.   Speaker 2  12:41   Imagine you could live in the United States one decade at a time, not the America you see in movies, not the America in textbooks, but the real America. Let's start with the 1770s the decade of independence. This is not a freedom story, yet. It's a war story. Most people are farmers, roads are mud, medicine is almost nothing. And if you're a young man, your future is simple, fight or starve. Then came the 1800s The decade of expansion. America is still small, but it's hungry, new land, new states, New promises, but there is also growing slavery. Native tribes are being pushed out, and the country is quietly building a conflict it can't avoid. Now it's the 1860s the decade America almost died. There is civil war, Brother versus brother. Cities are burning. If you lived here, you didn't watch history, you survived it. Next is the 1900s The decade of industrial America, factories, railroads, steel, oil. The country becomes a machine. Cities explode with workers, but life is brutal, long hours, dirty air, child labor, you might earn money, but you will pay with your health. It's the 1920s now, the decade of jazz and madness. This is America's first big party decade, cars, radio, Hollywood. Everyone thinks the future is unstoppable. Then came the 1930s the decade the party ended. The Great Depression happens, banks collapse and jobs disappear. People line up for bread. A man with a suit could be broke in one week. This decade teaches America one lesson, that money is not real until it's in your hand. It's the 1940s now the decade America became the world's boss. World War Two turns the US into the world's factory. While Europe is burning, America is building. And when the war ends, America comes out richer than anyone in history. It's the 1950s the decade of the American dream, suburbs, big houses, one salary supports a whole family, TV dinners, new cars, new highways. This is the decade America sells the world the idea of perfect life. Next came 1960s the decade of rebellion, civil rights, Vietnam assassinations, the country feels like it's splitting. You could be hopeful or terrified, sometimes both in the same week, 1970s was the decade the system started breaking, oil crisis, inflation, crime rate, and in 1971 America quietly changes money forever. The dollar stops being backed by gold. From this point onward, America runs on trust. It. The 1980s the decade of Wall Street, America, big business, big spending. The stock market becomes religion. America looks confident again, but the middle class starts weakening slowly. Then came the 1990s the decade America felt unstoppable. The Soviet Union has collapsed and the US feels untouchable. The internet is born. This is the decade where Americans truly believe that they have won. It's the 2000s now the decade of shock, 911, wars, fear, surveillance, then 2008 hits, banks crash, housing collapses, and America learns something painful. The people who caused the crisis don't pay for it. It's the 2000s and 10s, the decade of the digital trap. Social media becomes reality, politics becomes war. Everyone is online, but nobody feels connected. The economy recovers, but normal people don't. And finally, it's the 2020s. The decade, chaos became normal. Pandemic changes everything. Supply chains are collapsing, inflation returns, AI arrives and trust collapses. And by 2026 America is still rich, but it feels exhausted. People are working harder, owning less, and trusting nobody. And the strangest part is that America didn't collapse. It just slowly became a different country, not through invasion, not through revolution, but through decades of small changes that added up to a completely new reality. So the real question is, if you could choose one decade to live in? Which one would you pick?   Keith Weinhold  16:22    Yeah, which decade would you pick to live in? A lot of people say the 1950s where we had, like they touched on there the post war boom and how one salary could support an entire household. Some people say the 1990s because the Cold War ended, we had the start of Wide Internet use, and it's before you had these stark political divisions where people started to put party ahead of country. Now some people would probably say, Are you kidding me? I'd rather live in this decade right here. I can work from home more easily than I ever could have before. And I think you can make valid cases for all of those things. And speaking of this era, a quarter just ended, and we do this quarterly at most. It's our asset class rundown. Year over year, national home prices are only up about half of 1% per the nar 1% Case Shiller and totality, single family rent index shows just 1.3% rent growth. That's year over year. This quarter, the s, p5 100 was down 5% stocks of all types are down largely to the Iran war. The yield on the 10 year treasury note rose from 4.1 up to 4.3% due to higher inflation expectations. Why does that matter so much? That's what influences 30 year mortgage rates, which also rose from 6.2 up to 6.5% West Texas Intermediate oil prices soared from 59 bucks to over 100 last quarter. Gold hit an all time high of 5400 bucks in the quarter, and then fell to about 4600 by the end of the quarter. Other precious metals hit their all time peak. Bitcoin fell from 88k down to 68k That's the asset class rundown. I'll return with Redfin's chief economist, Dr Darrell fairweather and more. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:18   Let me throw out a simple idea. Sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns, it's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day. Housing, senior communities, essential properties, things tied to living and not trends. Their freedom notes offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy so you can ask questions and determine alignment before moving forward. While past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call@freedomfamilyinvestments.com or text family to 66 866, text the word family to 66 866,    Keith Weinhold  19:41   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now. Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.   Robert Helms  20:16   Everybody. It's Robert Helms of the real estate guys radio program, so glad you found Keith Weinhold and get rich education, don't quit your Daydream.   Keith Weinhold  20:35   This week's guest is the chief economist of Redfin during the housing crisis. She worked at the Boston Fed, studying why homeowners enter foreclosure. Since 2023 she served at the Federal Reserve Bank of Dallas. She holds her BS from MIT, and she really knows her way around campuses, because she received her Master's and PhD in Economics at the University of Chicago, where she specialized in behavioral economics, that's interesting. Welcome to GRE. Darrell fairweather,   Daryl Fairweather  21:06   thank you for having me.    Keith Weinhold  21:08   Hey, Daryl. I'd like to get to some of the statistics later in the things that Redfin does and compiles, but tell us about the behavioral side of the housing market that's often so interesting and evencounterintuitive   Daryl Fairweather  21:22   yeah, one of the most interesting things about the housing market is that people get really emotional when making this huge financial decision. It's something that people don't have a lot of practice with. Most people maybe buy a home once or twice in their whole life. There's so much social weight that's put on it. It's the American dream. There's a lot of family pressure, and there's a lot of hurting behavior that can happen. People get swept up in the moment. Maybe they overbid on a home, or maybe they miss out because other people are avoiding the housing market. So it's a really interesting place to both study psychology and economics.   Keith Weinhold  21:56   Sure, most homeowners are just inexperienced at this whole thing. Yeah, behavioral economics, it really has this strong gravity in real estate. Maybe something that you've said touches on what I call the Zestimate illusion. A lot of times, sellers anchor their price to not just the Zillow estimate, but sometimes even the peak sale price in the whole neighborhood, and that's what they think that they should get for their home?   Daryl Fairweather  22:21   Yeah, that does happen quite a bit. And I don't think a lot of people realize how much those estimates can move once a home is listed. The list price tends to move that estimate quite a lot. So it's not a fact. And those estimates don't really know many details about the home, like what upgrades might have happened, or what internally is happening within the home, like if people have gotten new appliances or gotten a new air conditioning system, it doesn't really take those things into account. So you shouldn't just anchor off of the Redfin estimate. You should definitely talk to an agent. Look at the comps. The comps can tell you a lot in terms of what homes have sold for recently, and then track your local market in terms of whether it is going up in value or down in value, because those comps might be a little bit stale, and you have to adjust for where the market is right now.   Keith Weinhold  23:06   There's some really good points there. And when I think of the behavioral side of economics in the real estate market, another nascent thing that comes to mind Darrell, is the rate shock paralysis that really set in in America in 2022 mortgage rates are still historically on the low side. But few people think about it that way. They're really swayed by the recency bias   Daryl Fairweather  23:31   yes. And one thing to take into account, though, is how much home prices have gone up since the last time rates were this high. So if you're looking at the monthly mortgage payment and how much that is compared to people's monthly incomes, it is quite expensive to buy a home. In most metros, you cannot afford to buy a home on the local median income. There's only maybe four metros that are in the middle of the country where it's still affordable to buy a home on a middle class salary. So combined the rate and the price those mortgage payments are still quite expensive, although they have gotten slightly more affordable since last year because rates are slightly lower than last year, they did come up a bit with, you know, oil prices coming up, but still, compared to last year, rates are a bit lower and a bit more affordable to get a home.   Keith Weinhold  24:13   And of course, all this is besides the point that those 2021, mortgage rates, they were born out of a collapsing economy, and I don't think that we really want that either. But yes, to your point about affordability, that's been such a buzzword in the housing market for quite a while, and for good reason. It wasn't very long ago that we reached a 40 year low in affordability. Can you tell us about what can improve affordability next? Darrell or what's most likely to happen? For example, it seems like insurance rate increases have really leveled off.   Daryl Fairweather  24:50   Yes, the reason why affordability is so bad, especially in coastal cities, the places that have the most opportunities, is because of a lack of supply. Existing homeowners, they are fine. They like when their home goes up in value, but it really is a problem for first time homebuyers, when prices just keep climbing and when new housing gets proposed, it's often the existing homeowners who are blocking that housing from getting built, and so supply is constrained. You can see this very clearly in a place like San Francisco, which had a huge economic boom in the 2010s yet housing did not keep up with all of the job opportunities that were coming to the area, and when you have all these people moving in with higher incomes, it drives up prices when there isn't adequate supply. You take Austin as another example. Austin had a huge boom during the pandemic, but supply responded. Builders built, there was a lot of development that happened, and as a result, prices came right back down. They're still above where they were pre pandemic, but nowhere near the heights that we saw back in 2021 so it just goes to show that when you allow supply to get built, it does help keep prices more moderate and keep things more affordable.   Keith Weinhold  25:59   Yes, and nimbyism is rampant, is consumer inflation or some of the other big forces out there, for sure, but yes, this national dearth of supply something that's existed even well before the pandemic, for example, it's bounced back somewhat, but still not quite enough, and it's really part of what, in my opinion, has helped support housing prices, even when mortgage rates tripled back in 2022 Can you tell us more what you believe about the future of housing supply with all the data that you do with there at Redfin Daryl,   Daryl Fairweather  26:37   housing supply improved a bit during the pandemic, but we're still far below What we need in order to make housing more accessible to middle class people. But there are new challenges that are coming. One that you mentioned is insurance. Insurance costs are going up. So even if you have a fixed rate mortgage and you've locked that in, you still have to worry about the rising cost of ownership because of insurance costs are going up. Property taxes are going up in many places, and maintenance costs are increasing. So that is going to make home ownership, and just the cost of ownership in general, whether you're an investor or an owner occupant, more expensive moving forward. And that's going to vary depending on where you are. There going to be some parts of the country where insurance goes up much faster, like in Florida, and other parts where insurance will probably be more stable like in the Midwest and Great Lakes region. So it's important now even more so to really research the neighborhood, research the home, and figure out how those expenses could increase in the future.   Keith Weinhold  27:32   Yeah, here we are in this housing market where, you know, Darrell, I think of it in a lot of ways, is, you know, maybe for three years now, we've largely been stuck in the mud, much of it due to lower supply, where we have a lower overall proportion of both buyers and sellers.   Daryl Fairweather  27:48   Yeah, what's happening right now is really an hangover from the pandemic, because so many people locked in 3% mortgage rates during the pandemic, and if those homeowners were to sell and buy again. Even if they bought the same priced home, they would end up paying more in their monthly mortgage payment because of how much higher mortgage rates are, and that's holding back supply quite significantly. It's the reason why prices have not come down despite rates going up, is because the higher rates are holding back both demand and supply at the same time, and contributing to the overall lack of inventory that's out there,   Keith Weinhold  28:24   this aberration where we have a big proportion of American homeowners living in homes where if they tried to repurchase that home at today's terms, they couldn't even do it. To your point about people not wanting to move, and that's a big reason why they almost can't. They might pay more in rent elsewhere for a like property if they were to sell what they own, if those still locked in terms and Darrell here, I think, you know, our audience is largely real estate investors, a lot of them investing in one to four unit properties. So with what you're seeing there at Redfin. And I think a lot of us know that, yeah, rent growth has been pretty slow as well. What do you see for rents in 2026 and perhaps 2027   Daryl Fairweather  29:08   originally, when we went to go do our predictions for 2026 we said that rents were going to increase this year. Now, I think that rents will continue to stay flat, and that's because there's still a lack of demand for for sale housing. People are staying in the rental market, but people are overall tightening their budgets because they're worried about the economy. They're worried about inflation. So if they can, you know, get roommates or live with family, they're going to choose to do that to keep their overall expenses lower, which will reduce demand for both for sale housing and for rental housing. And I think a lot of home sellers, they've tried to sell their homes. We saw many people try to sell their homes last year and then end up delisting their homes, and they're trying again. We saw more of those people come back in January, but I think those people are going to continue to kind of try to test the market, be a bit disappointed that there isn't enough demand, and then some of. Up for sale housing will end up as rental housing. Just driving around my neighborhood, I see so many rental signs on single family homes that I never saw before, almost more for rent signs, and I'm seeing for sale signs, so that added inventory from these accidental landlords who would like to move but don't want to give up their mortgage rate is going to increase the supply of single family rentals, and that will mean more competition for those investors that are trying to rent out the homes.   Keith Weinhold  30:27   Talk to us about rental occupancy. That's something that we're seeing at a historic low in apartment buildings, for one thing. But can you talk to us about what you see for future occupancy levels of both residential one to fours and apartments. Going forward,   Daryl Fairweather  30:43   a lot of new supply came online during the pandemic, especially in places that build a lot of condos. Many one bedroom or zero bedroom condos got built, and then those are really difficult to rent out, because, you know, they're just not that attractive. We really have more of a shortage of types of housing that's appropriate for families and those one bedroom units that are really targeted at like affluent young people. There aren't that many affluent people right now, so they're they're difficult to rent out. I think that trend is pretty much over. We're not seeing too many more condos being developed because the condos that were developed during the pandemic are still having trouble finding owners or finding renters in those apartment buildings. Now, I think we're going to start to see an uptick in single family rental vacancy, because I think a lot of those people who would like to sell their homes are having trouble selling their homes because of how mortgage rates are and how skittish people are about making a commitment to ownership right now, and they're going to alternatively try to rent out those and that will mean more availability of those rentals and not as much pressure on rents to go up in that segment of the market.   Keith Weinhold  31:51   Woe for the builder that targeted young, affluent types, they don't really exist so much anymore. That's really pretty interesting. Well, Darrell, do you have any last thoughts overall about the housing market? Maybe something I didn't think about asking you that's really important, whether that's for an investor or a prospective homeowner.    Daryl Fairweather  32:12   Yeah, I think if I was an investor right now, I would be paying attention to what economists and housing people call the silver tsunami that's older generations starting to sell their homes. We did a study recently that showed that people who are 70 years and above have as much wealth and housing as middle aged people, which is the first time that group has exceeded in terms of the wealth that they hold. And if you're 70 plus, there's definitely a clock ticking on how long you're going to stay in that home, which means that a lot of new inventory will become available in those homes. They probably need work. They probably need some renovations, and that could be a really great opportunity for an investor to buy a home that maybe has been neglected for a while because it's been a senior living in there who hasn't been really keeping it up to date. You can renovate it and perhaps sell it again to a younger buyer by doing some updates and make a nice profit there.    Speaker 3  33:03   Oh, well, Daryl, this has been a great update laced with plenty of practical things that someone can actually do. Do you have a resource you'd like to share in case our audience would like to connect?   Daryl Fairweather  33:16   Yes, you can find me basically on any social media channel. I'd recommend checking you out on YouTube to start. And then if you would like data on what's happening in your local housing market, you can check out the Redfin data center. Just Google Redfin data center, it'll bring you right there. And you can find lots of local data on your market,   Keith Weinhold  33:34   Daryl Fairweather. It's been great having you here on the show.   Daryl Fairweather  33:37    Thank you.   Keith Weinhold  33:44   Yeah, insightful material from Dr Darrell fairweather today, no end to the housing scarcity in sight. She says, rents continue to stay flat, partly due to this accidental landlord. They didn't plan to be a landlord, but they need to move and yet they don't want to sell the single family home that they got with a good owner occupied financing a few years ago. And the reason that's a headwind for single family investors, because it keeps more rental supply on the market. Last week, I touched on how you should not expect rent increases in the near term, I own a lot of single family rentals myself, and I am not getting rent increases. It's not so much that single family vacancies are high now, but apartment building vacancies are high. That fact alone that actually does hurt the single family rental market a little, because even though a renter might desire a single family, and maybe you think, Well, an apartment couldn't compete with that feeling. But yet, if an apartment is so much cheaper than the single family, and they often are now, well then that renter will go for the cheap apartment instead the one. You can think of Redfin is that they're part Zillow, part real estate agent, and part data company, and they can give you early signals on things like buyer demand and price direction and days on market, those types of indicators. So for the latest housing market research and news, you can do a search for the Redfin data center, and then for Daryl, start on YouTube. You can follow her on x at fairweather PhD, thanks to Dr Darrell fairweather today, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  35:36   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 to   Keith Weinhold  35:56   the preceding program was brought to you by your home for wealth, building, get richeducation.com  

In this episode, host Travis Chappell and producer Eric dive into the surprising world of the highest-paid dead celebrities, using a recent Forbes report as a springboard to unpack how estates, brands, and IP keep generating cash long after someone is gone. They break down what Michael Jackson, Dr. Seuss, Pink Floyd, Biggie, Jimmy Buffett, Kobe Bryant, Arnold Palmer, Shaq, and others did with their intellectual property—and what that means for creators, entrepreneurs, and personal brands today. Along the way, they dig into AI, likeness rights, and why owning your own image and work matters more than ever. On this episode we talk about: How Michael Jackson turned catalog ownership into hundreds of millions in posthumous earnings Why Dr. Seuss continues to sell millions of books and land major licensing deals decades after his death How Pink Floyd, Biggie, Jimmy Buffett, Kobe Bryant, and Arnold Palmer structured exits, brands, and licensing to keep cash flowing Why IP (intellectual property), catalogs, and name/image/likeness rights are the real long-term assets behind these fortunes How AI, likeness rights, and “owning yourself” will reshape the future of creative work and personal brands Top 3 Takeaways Own your IP and likeness. The biggest long-term winners are the ones who own their catalogs, brands, and name/image/likeness rights, because those assets can be licensed, sold, and repackaged for years. Build assets, not just income. Touring, projects, and launches are great, but the real wealth comes from building a body of work and brand that can be bundled, sold, or licensed as a catalog over time. Differentiate yourself in the age of AI. As AI-generated content explodes, the most valuable creators will be the ones doing interesting things in the real world, protecting their rights, and building distinctive voices and experiences that can't be easily replicated. Notable Quotes "Not only was he creating a lot of content, he was owning a ton of content, which is like where the real money is actually made." "The takeaway is the value of IP—IP seems to be almost publicly undervalued when it is the catalyst for so many of these fortunes." "If you can still do your own thing and stand out from the crowd, you're going to win long term, whether you're fighting with AI or copycats or whatever that is." Connect with Travis Chappell: LinkedIn: https://www.linkedin.com/in/travischappell Instagram: https://www.instagram.com/travischappell Other: https://travischappell.com Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency. Capture leads, nurture them, and close more deals—all from one powerful platform. Get an extended free trial at gohighlevel.com/travis. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if discovering who you are… changes everything you thought you knew?In this breathtaking and soul-stirring conversation, I sit down with the extraordinary Princess Sarah Culberson — adoptee, activist, and actual Sierra Leone royalty — to explore what it means to discover who you really are, and what you do with that truth once you find it.Sarah grew up in West Virginia, navigating identity, race, and belonging as a Black adoptee in a white family. Then a DNA test led her to the one thing she never expected: a father, a royal title, and a war-torn country that was waiting for her. This isn't a fairy tale. It's a story of radical courage, deep self-reckoning, and what it looks like to carry a crown you never asked for — and show up for it anyway.What you'll get out of this episode…What it actually felt like to discover she was Sierra Leone royaltyGrowing up Black and adopted — and the long search for belongingThe moment she chose responsibility over retreatHow identity shapes the way we love, lead, and liveWhat it means to bridge two worlds without losing yourselfHer royal ritual for resilience (you'll want to write this one down)Connect with Princess SarahIG / @iamprincessscSierra Leone Rising / This Episode is Sponsored by Chai TonicsPrincess Sarah's story is a reminder that the most powerful rituals are the ones that ground us. I'm choosing ritual over resolution with Chai Tonics — a calming chai blend with Lion's Mane, Brahmi, and MCT oil for focus, clean energy, and nervous-system support. No jitters, no crash, just 1g of sugar. Try it at https://bit.ly/trychaitonics and use code BRAVETABLE for 15% off.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3978: Joshua Becker challenges the nonstop pace of modern life by reclaiming the transformative power of setting aside one full day each week for rest. Drawing from wisdom across disciplines, he shows how intentional rest restores energy, deepens relationships, and sharpens clarity. Embracing this rhythm offers a path to greater balance, purpose, and sustainable productivity. Read along with the original article(s) here: https://www.becomingminimalist.com/resting/ Quotes to ponder: “He that can take rest is greater than he that can take cities.” “Take rest, a field that has rested gives a bountiful crop.” “More work is not better work. Smarter work is better work.” Episode references: Forbes: https://www.forbes.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Merriam-Webster's Word of the Day for April 12, 2026 is: recondite • REK-un-dyte • adjective Recondite is a formal word used to describe something that is difficult to understand or that is not known by many people. // The text addresses a technical subject using recondite vocabulary, which makes it very difficult to read. // The candy has the perfect balance of sweet and tart, but what delights me most are the recondite facts printed inside the wrapper. See the entry > Examples: “Each medical school has variations in its prerequisites, but all require a strong foundation in the sciences. This includes courses such as the notoriously recondite organic chemistry as well as biology, general chemistry, and physics.” — Richard Menger, Forbes, 18 Aug. 2025 Did you know? Recondite is one of those underused but useful words that's always a boon to one's vocabulary. Though it describes something difficult to understand, there is nothing recondite about the word's history. It dates to the early 1600s, when it was coined from the Latin word reconditus, the past participle of recondere, “to conceal.” (“Concealed” is also a meaning of recondite, albeit an obscure one today.) Remove the re- of recondite and you get something even more obscure: condite, an obsolete verb meaning both “to pickle or preserve” and “to embalm.” Add the prefix in- to that quirky charmer and we get incondite, which means “badly put together,” as in “incondite prose.” All three words have the Latin word condere at their root; that verb is translated variously as “to put or bring together” and “to put up or store”—as in, perhaps, some pickles or preserves.

A maximalist sprint through IDM and acid from the Filipino DJ, producer and lore magnet. Ramon Tambucon is, in his own words, "an EDM trap oldhead" through and through. But he takes his work seriously: on TikTok, the LA-based artist has become Gen Z's de-facto electronic music historian, equally at home with Mark Fisher and Skrillex, and has even featured in Forbes discussing IDM. His world extends beyond content, too, obviously. Tabula Rasa, a platform with Jozef White that blends editorial, releases and showcases, has helped document scenes like California's UK garage wave, and Pang's records show a fine-tuned ear for melody. RA.1034 is bright, buoyant and borderline ecstatic. When Pang's own "Forest Volt" hits early, it practically wriggles out of the speakers; from there he snaps between newcomers like Kooxla, '90s Belgian deep cuts from Gerome Sportelli and Burial, with bird calls, flutes and cascading chords flaring over heavy low-end and lightning-fast breaks. Find the tracklist and Q&A at ra.co/podcast/1053 @ramonpang

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3978: Joshua Becker challenges the nonstop pace of modern life by reclaiming the transformative power of setting aside one full day each week for rest. Drawing from wisdom across disciplines, he shows how intentional rest restores energy, deepens relationships, and sharpens clarity. Embracing this rhythm offers a path to greater balance, purpose, and sustainable productivity. Read along with the original article(s) here: https://www.becomingminimalist.com/resting/ Quotes to ponder: “He that can take rest is greater than he that can take cities.” “Take rest, a field that has rested gives a bountiful crop.” “More work is not better work. Smarter work is better work.” Episode references: Forbes: https://www.forbes.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3978: Joshua Becker challenges the nonstop pace of modern life by reclaiming the transformative power of setting aside one full day each week for rest. Drawing from wisdom across disciplines, he shows how intentional rest restores energy, deepens relationships, and sharpens clarity. Embracing this rhythm offers a path to greater balance, purpose, and sustainable productivity. Read along with the original article(s) here: https://www.becomingminimalist.com/resting/ Quotes to ponder: “He that can take rest is greater than he that can take cities.” “Take rest, a field that has rested gives a bountiful crop.” “More work is not better work. Smarter work is better work.” Episode references: Forbes: https://www.forbes.com Learn more about your ad choices. Visit megaphone.fm/adchoices

From the archive: This episode was originally recorded and published in 2022. Our interviews on Entrepreneurs On Fire are meant to be evergreen, and we do our best to confirm that all offers and URL's in these archive episodes are still relevant. Yesim Saydan is a renowned social media expert, Forbes- and AdWeek-featured speaker, LinkedIn Creator Program alum, and Google Accelerator mentor sharing expertise with global leaders. Top 3 Value Bombs 1. On LinkedIn, share your daily struggles, real life content gets the most engagement. 2. Most people post and ghost, they create content but don't stick around. 3. Even big influencers want comments, they want to be seen and heard. Connect with Yesim on LinkedIn - Yesim's LinkedIn Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. 50 - Join JLD on his free '50 days to something' video series on YouTube and create something special in 50 days. Blinkist - Turn your spare moments into learning moments with Blinkist. Go to Blinkist.com/fire to start your free trial and lock in an extra 30 percent off today.

David Royce is the founder and chairman of Aptive Environmental, one of the fastest-growing residential pest control companies in North America. Under his leadership, the company scaled to a $500M+ business operating across 30+ states and thousands of cities, with a team of over 6,000 employees. Recognized by Forbes, Fortune, Inc., Entrepreneur, and The Wall Street Journal, David is a recipient of the Ernst & Young National Entrepreneur of the Year Award. Beyond business, he brings a unique perspective by combining operational excellence with psychology, leadership development, and human behavior, helping founders scale not just their companies—but their lives with intention. FOR MORE GREAT EPISODES: The Mello Millionaire - https://open.spotify.com/show/1jsZaiMgWe0EGaPfLtelDW?si=3de6091af58d41b4 Check Out My Social Media: TikTok - https://www.tiktok.com/@officialtommymello Instagram - https://www.instagram.com/officialtommymello/ Facebook - https://www.facebook.com/thomasmello/

#856 What does it actually take to build and sell a billion-dollar company — not once, but multiple times? In Part 1 of this two-part episode, host Justin Williams sits down with serial entrepreneur David Royce, who started broke as a college student knocking doors to sell pest control and went on to build and exit multiple companies — with Forbes reporting one sale at $135 million and his final exit valued between $500 million and $1.5 billion. David breaks down the unglamorous early grind, the counterintuitive cash flow trap that nearly sank his first company even while it was thriving, and the "asset deal" strategy he used to sell customer accounts while keeping his best people — allowing him to essentially run the same playbook again and again at larger and larger scale. He and Justin also dig into the role luck plays in entrepreneurship, why following your passion can actually be dangerous advice, and why obsession — not passion — is what really drives long-term success! What we discuss with David: + From broke college student to billionaire exit + Stumbled into pest control by accident + Studied sales books to go from zero to top rookie + Built a 100-person sales team in college + Nearly went bankrupt by growing too fast + "Revenue is vanity, cash flow is reality" + Sold accounts but kept the growth engine + Repeated the playbook 3 times, bigger each time + Luck vs. hard work — it's both + Passion is dangerous; obsession wins Thank you, David! Check out Aptive Pest Control at AptiveRecruiting.com. Follow David on LinkedIn. To get access to our FREE Business Training course go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MillionaireUniversity.com/training⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, I sat down with Dr. Pam Theriot to break down something I didn't even realize was affecting my performance—my eyesight. We talked about how screen time is crushing our productivity, causing brain fog, and even impacting our mental health. I learned that something as simple as blinking, taking short breaks, and managing screen exposure can dramatically improve focus and energy. If you're an entrepreneur who spends hours in front of a screen and feels drained, this conversation might completely change how you approach your day. ‍️ About Dr. Pam Theriot Dr. Pamela Theriot, OD, FAAO, is an internationally recognized optometrist, TEDx speaker, author, and dry eye specialist. She serves as the Clinical Director of the Dry Eye Relief Center at Lusk Eye Specialists, where she helps patients overcome chronic eye strain and vision issues caused by modern screen use. With over 20 years of experience, Dr. Theriot earned her undergraduate degree from Rice University and her Doctorate in Optometry from UC Berkeley, followed by a residency at SUNY College of Optometry and a fellowship with the American Academy of Optometry. She is the author of Alleviate Dry Eye and has been featured in publications like Forbes and InStyle. Dr. Terriot is also a global speaker, educating both patients and professionals on eye health, digital device use, and practical strategies to improve vision and overall performance in a screen-driven world. Connect with Dr. Pam Theriot Website: https://www.pamtheriot.comFree Resource: https://www.pamtheriot.com/phoneInstagram: https://www.instagram.com/pam.theriot   About Justin: Justin Colby is the host of The Entrepreneur DNA and The Science of Flipping podcasts and a best-selling author. He is a serial entrepreneur with over and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Mediation: High Success Rates Mediation demonstrates remarkable effectiveness, with studies indicating that approximately 75% to 90% of cases achieve a settlement. Typically, 60%–80% of cases are resolved on the day of mediation, while an additional 10%–20% settle soon after. This high rate of success extends to both commercial and family disputes, particularly those overseen by the Civil Mediation Council. Joe Dillon offers a distinctive blend of expertise and experience. As a divorce mediator, he draws upon his background as a financial expert educated at Harvard and MIT, complemented by his personal experience as a child of divorce. This combination gives him valuable insight into the factors that lead to family breakdowns, as well as the strategies that help maintain strong relationships. Joe's approach to mediation prioritizes more than just asset division; it focuses on creating agreements that safeguard emotional wellbeing and provide financial clarity for all parties involved. Joe's path to becoming a respected authority in divorce mediation is rooted in both his personal life and his academic achievements. His expertise is further demonstrated through the success of Equitable Mediation Services, which consistently achieves resolution rates well above industry averages. Joe has been a leader in online mediation since 2011 and is recognized by prominent platforms such as Newsweek and Forbes for his contributions to the field. In addition to his practical experience, Joe has made significant contributions as a trainer for the New Jersey Association of Professional Mediators (NJAPM) and Northwestern University's 40-hour divorce mediation courses. He has also served as a judge in international mediation tournaments and was chosen as the commencement speaker for California State University, San Marcos, Class of 2025. Joe Dillon's commitment extends beyond helping couples navigate separation. He is passionate about equipping individuals with practical strategies to avoid the common pitfalls that lead to divorce. His knowledge offers valuable guidance for anyone seeking to strengthen their relationship or manage challenging transitions. For more information: https://www.equitablemediation.com/   Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 68 - Nina Verkoeyen, dubbed ‘The Female Buddha,' created meta spirituality - described by Forbes as the culmination of inner growth and the start of an extraordinary new chapter. This show explores it in health and wellness.Disclaimer: Please note that all information and content on the UK Health Radio Network, all its radio broadcasts and podcasts are provided by the authors, producers, presenters and companies themselves and is only intended as additional information to your general knowledge. As a service to our listeners/readers our programs/content are for general information and entertainment only.  The UK Health Radio Network does not recommend, endorse, or object to the views, products or topics expressed or discussed by show hosts or their guests, authors and interviewees.  We suggest you always consult with your own professional – personal, medical, financial or legal advisor. So please do not delay or disregard any professional – personal, medical, financial or legal advice received due to something you have heard or read on the UK Health Radio Network.

Dr. Marc Milstein is the author of the international best-selling book The Age-Proof Brain, nominated for the Next Big Idea Book Award and translated into seven languages worldwide. A leading brain health researcher and international keynote speaker, Dr. Milstein specializes in translating cutting-edge neuroscience into clear, actionable strategies to optimize brain health, lower the risk of dementia, and boost happiness and productivity. His insights have been featured by media outlets including CNBC, Oprah Daily, The New York Post, and Forbes. He has spoken for Fortune 500 companies and top associations worldwide, delivering dynamic, evidence-based keynotes that educate, entertain, and empower audiences.Dr. Milstein earned his Ph.D. in Biological Chemistry and a Bachelor of Science in Molecular, Cellular, and Developmental Biology from UCLA, where he conducted research in genetics, cancer biology, and neuroscience. His work has been published in multiple scientific journals.https://www.seniorcareauthority.com/resources/boomers-today/

Lenka Hrobárová je biochemička a učí na Lekárskej Fakulte UK. Na sociálnych sieťach ako @_skumavka popularizuje vedu a vyvracia mýty či hoaxy. Časopis Forbes ju zaradil medzi TOP influencerov Slovenska za rok 2025.

Chicago in the 1920s is often remembered for the rise of organized crime and it's larger than life leaders like Al Capone and Johnny Torrio. While these men and their organizations surely shaped the city's identity, their infamy and influence were, at least for a short time, rivaled by a group of young women whose murderous acts would dominate headlines in papers around the country throughout the decade. While Beulah Annan and Belva Gardner—the real-life inspiration for the musical Chicago—were arguably the most well known of the female murders from this era, their famous murders were preceded by the equally sensationalized murder spree of Tillie Klimek. Between 1914 and 1921, Klimek was believed to have killed as many as seven people including four husbands. While her crimes would ultimately land her in the Illinois State Penitentiary for the rest of her life, her exploits and criminal trial were sensational and occupied the front pages of city newspapers for years. Buy Tickets to our LIVE SHOW at Radio City Music Hall on June 27th! References Chicago Tribune. 1922. "Death called mere routine in posion home." Chicago Tribune, November 15: 1. —. 1922. "Find arsenic, arrest wife and stepson." Chicago Tribune, October 27: 1. —. 1922. "Klimek poison list is twenty; arrest 1 more." Chicago Tribune, November 19: 1. —. 1922. "Koulik friend sought in new poison charge." Chicago Tribune, November 26: 5. —. 1922. "Mystery deaths in poison case may reach 20." Chicago Tribune, November 14: 3. —. 1923. "Tillie Klimek is strong witness in own defense." Chicago Tribune, March 13: 7. Danville Commercial News. 1923. "The woman, not the jury, was on trial." Chicago Tribune, March 30: 8. Forbes, Genevieve. 1923. "Grave digger tells of goings on at Klimks'." Chicago Tribune, March 10: 3. —. 1923. "How Mrs. Klimek jested of death of husband told." Chicago Tribune, March 9: 7. —. 1923. "Life in prison for woman as arch poisoner." Chicago Tribune, March 14: 1. —. 1923. "'Ma' Koulik, wise in jail learning, goes back home." Chicago Tribune, November 9: 4. —. 1923. "Poison evidence robs Mrs. Klimek of indifference." Chicago Tribune, March 11: 7. International News Service. 1922. "May exhume bodies of four former husbands." Waukegan News-Sun, October 27: 12. Lynch, Charles. 1923. "Ask hanging for 2 women charged with murder orgy." Belvidere Daily Republican, March 6: 1. Telfer, Tori. 2017. Lady Killers: Deadly Women Throughout History. New York, NY: Harper Perennial. United Press. 1922. "Chicago police suspect second 'Mrs. BLuebeard'." Freeport Journal-Standard, November 4: 1. Cowritten by Alaina Urquhart, Ash Kelley & Dave White (Since 10/2022)Produced & Edited by Mikie Sirois (Since 2023)Research by Dave White (Since 10/2022), Alaina Urquhart & Ash KelleyListener Correspondence & Collaboration by Debra LallyListener Tale Video Edited by Aidan McElman (Since 6/2025) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What would happen if you finally ditched micromanagement and actually let your teams run wild, faster, riskier, and more creative than you'd ever dare on your own?Ben Plomion, COO of Pearl AI, joins Sivana Brewer for a sharp, no-fluff deep dive into the gritty reality of leading in markets where mistakes happen fast and growth is non-negotiable. Drawing from cross-functional battle scars in marketing, ops, and tech, Ben unpacks how he leveraged his CMO chops to become a next-level COO, why most leaders fail at “connecting the dots,” and exactly how he's turning AI into his secret weapon for culture and operational scale.If you're tired of theory and ready for the untold COO playbook that frees you from indecision, protects you from hidden traps, and gives you unfair access to what the best operator-leaders are actually doing, listen now. Stalling means losing team trust, missing radical growth, and getting left behind.Timestamped Highlights[00:03:42] – The shocking “dumpster” pitch that clinched Ben's COO job—would you take this text?[00:05:10] – Connect the dots or die: Why leaders who only skim the surface always lose big[00:07:26] – Zero in-house finance, outsourced chaos—how Ben plugged the leaks before it was too late[00:10:51] – From chief cook to master delegator: The brutal art of giving up “employee benefits” and focusing where it matters[00:14:42] – CEO second-in-command: The secret archetypes and why most COOs get it wrong[00:18:29] – CMO to COO crossover: The superpowers that every operator should steal from marketing[00:21:23] – Ditching values for operating principles—radical new rules for building a creative, AI-savvy team[00:32:19] – “Let them run”: The unorthodox motto that keeps Ben's teams breaking the rules, beating churn, and staying aheadAbout the GuestWith over two decades of experience in marketing, commercial and operational leadership across Artificial Intelligence, Computer Vision, and Blockchain, Ben Plomion is the Chief Operating Officer at Pearl—the leading AI Software-as-a-Service (SaaS) company in dentistry. Prior to Pearl, he served as Chief Marketing Officer at Dibbs, an Amazon-backed tokenization-as-a-service (TaaS) platform. He was previously Chief Growth & Marketing Officer at GumGum, where he played a pivotal role in advancing AI-driven contextual advertising. Earlier in his career, Ben led global digital media efforts at both Magnite and GE Capital. A Forbes contributor and trusted advisor to companies like Deanna.ai, PebblePost, and #Paid, he is also a committed educator in the realms of AI, marketing, and Web3.

Steve Forbes slams Gov. Kathy Hochul's (D-NY) proposal to impose a 75 percent tax on nicotine pouches, pointing out that doing so may encourage smokers to stick to cigarettes and end up causing untold deaths. Follow ⁠Steve Forbes: What's Ahead⁠  Fuel your success with Forbes. Gain unlimited access to premium journalism, including breaking news, groundbreaking in-depth reported stories, daily digests and more. Plus, members get a front-row seat at members-only events with leading thinkers and doers, access to premium video that can help you get ahead, an ad-light experience, early access to select products including NFT drops and more: https://account.forbes.com/membership/?utm_source=youtube&utm_medium=display&utm_campaign=growth_non-sub_paid_subscribe_ytdescript Stay Connected Forbes newsletters: https://newsletters.editorial.forbes.com Forbes on Facebook: http://fb.com/forbes Forbes Video on Twitter: http://www.twitter.com/forbes Forbes Video on Instagram: http://instagram.com/forbes More From Forbes: http://forbes.com Forbes covers the intersection of entrepreneurship, wealth, technology, business and lifestyle with a focus on people and success. Learn more about your ad choices. Visit megaphone.fm/adchoices

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 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/

Blake Eastman, founder of The Nonverbal Group, and a former adjunct psychology professor and professional high-stakes poker player, joins me on this episode. Blake has been featured in major media outlets, including CNN, Forbes, The New York Times, and ABC News.

Are conspiracies and misinformation beginning to erode the basic assumptions on which public discussion depends? Trump. Israel. JFK. Epstein. Iran. Big Pharma. What is real, and what is conspiracy? In this episode of Live from the Table, we sit down with Gerald Posner to talk about the JFK assassination, conspiracy theories, misinformation, Trump, Israel, Iran, the opioid crisis, RFK Jr. and Jeffrey Epstein. The conversation moves from the enduring debate over whether Oswald acted alone to the ways conspiracy thinking spreads online, distorts public judgment, and reshapes political argument. It also turns to Posner's reporting on Big Pharma, the Sacklers and the failures that fueled the opioid epidemic, along with his views on Epstein's finances and the broader culture of suspicion surrounding high-profile events. Gerald Posner is the author of thirteen acclaimed books, including New York Times bestsellers Case Closed, Why America Slept, and God's Bankers. A Pulitzer Prize finalist in History and contributor to Forbes, he has been called “a merciless pit bull of an investigator” (Chicago Tribune). His 2020 book PHARMA was praised by The New York Times as a “withering, encyclopedic indictment” of the pharmaceutical industry. https://x.com/geraldposner

In part two of Kristine Carlson's conversation with Dr. Erin Stokes, they unpack the essentials of cultivating restorative sleep and vibrant well-being. You'll hear why your sleep journey starts with your morning routine, like stepping outside for natural light, anchoring your day with gratitude, and eating balanced meals. Erin discusses the science of circadian rhythms, reasons to avoid late-day caffeine, and how winding down at night with healthy boundaries (including screen time) can help you feel more rested and present. They offer supportive tips like the power of magnesium and herbal remedies, creating a gentle bedtime ritual, and why honoring your own rhythm matters most. Kristine shares her personal routines and reflections on listening inward for what your body truly needs. For more insights, connect with Dr. Erin Stokes on Instagram. After listening, you'll be inspired to nurture your nightly rest and bring a more grounded presence into your days and nights!   About Erin: Dr. Erin Stokes, ND believes that transformation begins when we reconnect with the healing power of nature. As a Naturopathic Doctor for 20+ years, Erin has dedicated her career to translating complex health concepts into actionable insights that empower people to participate fully in their own healing. Currently serving as Medical Director at WishGarden Herbs, Dr. Erin Stokes is at the forefront of innovative herbal education. She is a media spokesperson and frequent podcast guest, being featured in Forbes, Well + Good, EatingWell, Medium, Brit + Co, and The Everygirl Podcast.  Dr. Erin is known for her engaging personal style and deep scientific knowledge to create an environment where learning becomes both inspiring and actionable.  

Why you should listenMolly launched the world's first AI-focused content membership in 2021, two years before ChatGPT, and has generated content that reached over 39 million views. She brings hard-won perspective on what separates human-first AI strategy from AI zombie content that erodes trust.Learn the SAAVE framework: a five-part method for identifying what makes you a uniquely weird human, so your AI agents produce content that actually sounds like you and not like every other consultant using the same tools.Get the APR Method: a repeatable three-step system for announcing, producing, and repurposing every video you create, so one piece of content generates an entire week of output without starting from scratch.Your content machine is broken, and the tools aren't the problem. If everything you publish sounds like it could have come from anyone in your industry, you haven't got a content problem. You've got a voice problem. In this episode, I talk with Molly Mahoney from The Prepared Performer, a digital marketing strategist and keynote speaker who has been building AI-powered content systems since 2021. Molly shares how she helps established business owners identify the 20 things that make them a uniquely weird human before touching a single AI tool, because without that foundation, you're just feeding the robot army. If you've been hiding behind the technical work while the algorithm rewards personality, this conversation will change how you think about content.About Molly MahoneyMolly Mahoney is a digital marketing strategist, keynote speaker, and former NYC performer who helps coaches, consultants, and agency owners build AI-powered content that actually sounds human. Known as The Prepared Performer, she launched the world's first AI-focused content membership in 2021, two years before ChatGPT, has generated over 39 million views, and been featured in Forbes and Inc.Resources and LinksThepreparedperformer.comMolly's LinkedIn profileFree Custom GPT Source Prompt GeneratorSpotlight Engine SoraPerplexity ComputerGoHighLevelRSS AppPrevious episode: 675 - SaaS isn't dying. Your positioning might be. Check out more episodes of the Paul Higgins PodcastSubscribe to our YouTube channel: @PaulHigginsMentoringJoin our newsletterSuggested resources

Most investors believe that holding cash during uncertain markets is the safest move. If you stay liquid, wait for clarity, and avoid risk, you'll be in a better position when opportunities come… or at least that's the thinking. But what many high-income earners and investors don't realize is that cash sitting idle isn't neutral; it's losing ground. Between inflation, taxes, and missed opportunities, capital that isn't deployed is quietly working against you. And while many investors are pulling back, the most sophisticated capital, family offices, institutions, and sovereign funds, are doing the opposite. They're moving into hard assets. In this episode of Money School Elite, I sit down with Ben Reinberg, CEO of Alliance Consolidated Group of Companies and a commercial real estate investor who has built a $500M+ portfolio from scratch, to break down how experienced operators think about capital in uncertain environments. In this conversation, we discuss why holding cash can actually erode wealth instead of protecting it, how the ability to hold through market cycles creates asymmetric opportunities, and why forced sellers are beginning to create some of the best buying conditions we've seen in years. We also break down an often-overlooked asset class, medical property, and why its demand profile makes it one of the most durable plays in real estate, even during periods of economic disruption.   About the Guest  Ben Reinberg is an iconic investor, mentor, educator, and philanthropist, CEO of Alliance Consolidated Group of Companies, and the author of "Hard Assets and Hard Money for Hard Times: A Blueprint to Build a Hard Asset Empire That Can Withstand Every Economic Cycle". Ben built a $500M+ Commercial Real Estate empire from scratch with billions in transactions. He is a respected authority on commercial real estate acquisition and investment, as well as the development and structuring of transactions. He is well-versed in 1031 exchanges and assessing the needs of investment capital. Ben brings value to the deal process through his ability to build trust quickly, raise equity efficiently, solve problems, and bridge the gap between buyers and sellers. Ben has authored and published numerous articles about the trade. Before establishing Alliance, Ben founded Hillcrest Trading, Ltd., a national acquisition and management firm. He began acquiring commercial real estate assets in the 1990s. His professional affiliations include the American Institute of Certified Public Accountants (AICPA), the Illinois Society of Certified Public Accountants (ICPA), the Urban Land Institute (ULI), and the International Council of Shopping Centers (ICSC). He is also a Charter Member of the International Association of Commercial Real Estate Professionals. To learn more, visit https://www.alliancecgc.com/ or https://www.benreinberg.com/.  Buy "Hard Assets and Hard Money for Hard Times: A Blueprint to Build a Hard Asset Empire That Can Withstand Every Economic Cycle" here.    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.   Resources Private Money Guide:  https://go.moneyschoolrei.com/book-podcast Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast Mapping out the Millionaire Mystery:  https://go.moneyschoolrei.com/newbook-podcast    

SummaryWhat if the leadership model that built civilization is the same one that is threatening it? In this episode, Donald Thompson sits down with Maria Brinck, a Gallup-Certified Strengths Coach and founder of Zynergy International, to discuss her book, The Leadership We Need. Drawing on decades of experience in corporate America, a transformative season living in the Congo Basin Rainforest, and hard data on global disengagement, Maria makes the case that balancing masculine and feminine leadership traits is not just a cultural conversation. It is an economic and existential imperative.Episode Long DescriptionWhat does living in the Congo Basin Rainforest have to do with fixing Fortune 500 leadership? For Maria Brinck, everything.In this episode of High Octane Leadership, Donald and Maria unpack why years of command-and-control leadership is producing lackluster returns, at a cost of $8.8 trillion in annual lost productivity worldwide. Maria's argument is not about replacing one style with another. It is about building a balanced, full-spectrum leadership toolkit that delivers peak performance for individuals, organizations, and societies.They also dig into the "poly-crisis," the simultaneous collision of climate change, unregulated AI, escalating geopolitical tensions, and organizational disengagement, and why the same dominant leadership models that created these challenges can't solve them.Key Talking Points:The Congo Classroom: Leadership lessons from indigenous communities that no MBA covers.The Masculine Monopoly: Why 93% male leadership in corporations, nations, and religions is a business liability.The $8.8 Trillion Wake-Up Call: The real cost of command-and-control culture on global productivity.The Three-Domain Framework: Maria's blueprint for full representation, expanded thinking, and balanced leadership energy.About the GuestMaria Brinck is the founder and president of Zynergy International and a Gallup-Certified strengths coach with a career spanning corporate America, global organizational consulting, and immersive time living with indigenous communities in the Congo Basin Rainforest. A contributor to Forbes and Fast Company, Maria brings a rare blend of data-driven business acumen and big-picture human systems thinking to the leadership conversation. Her book, The Leadership We Need: A New Mindset for a Brighter Future, offers a practical roadmap for evolving leadership culture before the cost of staying the same becomes too great to ignore.Resources:Donald Thompson LinkedInDonald's Books: https://donaldthompson.com/books-resources/Maria Brinck LinkedInMaria's Book: The Leadership We Need: A New Mindset for a Brighter FutureStay connected with Donald: Get Donald's newsletter that is packed with actionable insights, and the kind of straight-talk leadership intelligence that helps build authority, drive performance, and stay ahead of what is coming next, visit donaldthompson.com.Subscribe on SubStack: https://substack.com/@donaldthompsonjr High Octane Leadership is hosted by The Diversity Movement CEO and executive coach Donald Thompson and is a production of Earfluence.Order UNDERESTIMATED: A CEO'S UNLIKELY PATH TO SUCCESS, by Donald Thompson.

Caroline Stanbury is joined by beauty mogul Laura Geller to talk about what it really takes to build a lasting brand in an industry obsessed with youth.From backstage on Broadway to founding a globally recognised beauty empire, Lauras passion for making makeup work for real women led to the creation of her iconic brand, proving that beauty can be inclusive, effortless, and empowering at any age. From backstage secrets to boardroom wins, Laura reveals how she turned real women into her mission and built an empire doing it, while redefining what success looks like in your 50s and beyond.Together, Caroline and Laura dive into the realities of entrepreneurship as older women, breaking stereotypes, staying relevant, and embracing confidence without compromise. National Mature Women's Day (April 9th) is Laura Geller Beauty's coined holiday - a day dedicated to honoring women who are living a long & lifted life fully, confidently, and beautifully at every age. To celebrate, Laura Geller is hosting a one-day Age-Based Sale, where your age becomes your discount. That means April 9th ONLY, if you're 50, you get 50% off, 62 = 62% off, and so on on laurageller.com. https://www.laurageller.com/pages/celebrate-national-mature-womens-dayFollow Laura on Instagram @lauragellerbeauty and @laurajgeller For media inquiries, please contact: laurageller@abmc-us.com

Ahead of the tax deadline next week, Kelly Phillips Erb, tax attorney, senior writer at Forbes, and author of the blog Taxgirl, discusses some of the most common IRS tax scams and offers advice on how to avoid them.  Photo: Income tax calculations. (Photo by stevepb/Pixabay).

From printing a pitch deck in 8th grade to accidentally raising their first angel investment, building a 100,000-person wellness app with no salary for five years, and pivoting into a web design business that has launched over 100 sites, Leah and Becca Wiser share what it takes to build a business partnership that holds up under real pressure. In this episode of the DealQuest Podcast, host Corey Kupfer sits down with Leah and Becca Wiser, twin sisters and co-founders of A Wiser Website, a concierge web design and brand strategy firm for service-based businesses. Having founded three companies together in the digital space, they bring a hard-earned perspective on co-founder dynamics, capital raising without a formal process, and knowing when a chapter has run its course. WHAT YOU'LL LEARN: In this episode, you will discover why the most effective first pitch is often a conversation, how twins with completely different working styles built a co-founder structure around those differences, and why defined boundaries between personal and professional time are operational infrastructure, not just personal preference. Leah and Becca explain the brownie split trap that quietly erodes partnerships, how five years of building a free app with no salary led to a stronger second business, and why asking for advice instead of money produced their first investment. LEAH AND BECCA'S JOURNEY: Leah and Becca Wiser grew up in South Florida surrounded by women who built businesses from scratch. Their mother, grandmother, and aunt Jennifer, who started a jewelry company in her child's playroom, all modeled entrepreneurship as a natural path. At 12, Leah and Becca were joining their aunt at trunk shows, watching hands-on client relationships drive sales. They have never held standard jobs. Their first real deal came in 8th grade, when they printed a full pitch deck to convince their parents they were responsible enough for cell phones. The idea came from watching TED Talks, which their parents required before any screen time. Watching others present and persuade translated, without them recognizing it yet, into a natural instinct to negotiate with preparation. THE CO-FOUNDER DEAL: Being identical twins did not insulate Leah and Becca from co-founder friction. About four years into their first major company, they questioned whether continuing made sense. Their solution was what they call business therapy, working with coaches who gave them language for their different working styles and a structure for honest communication. Leah tends toward detail, design, and execution. Becca handles client relationships, operations, and the outward-facing work. Once named and understood, those differences became their competitive advantage rather than their friction point. KEY INSIGHTS: The brownie split traps business partnerships. When co-founders begin tracking contributions the way children measure whether a brownie was cut perfectly in half, the focus shifts from outcomes to optics. Value comes in waves. A partnership built on flexibility and mutual trust outlasts one where each side keeps score. Asking for advice produces investment faster than asking for investment. When Leah, Becca, and their younger sister Hannah began developing Wumaze in 2017, they went to two people they knew for guidance on a rough early idea, not for funding. Those people saw their passion and invested. As Corey noted in this episode: when you ask for money, you get advice, and when you ask for advice, you get money. Defined containers for personal and professional time protect both. Leah and Becca live and work together in Washington, D.C. Without explicit structure around when it is business time and when it is sister time, both suffer. These are not personal accommodations. They are the structural boundaries that make the partnership sustainable. Pivoting is not failure when the evidence supports it. After five years building Wumaze with no salary and growing its community to over 100,000 users, Leah and Becca recognized it was time to move on. The skills they built during that period transferred directly into A Wiser Website. FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/leahandbeccawiser FOR MORE ON LEAH AND BECCA WISER: Website: https://www.awiserwebsite.com/ Instagram: @AWiserWebsite FOR MORE ON COREY KUPFER https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps [00:11:17] - Introduction: Leah and Becca's background and the twin entrepreneur story [00:12:57] - First deal: The 8th-grade pitch deck for cell phones [00:19:20] - Why business partnerships are deals, and why they are not easy [00:23:08] - The brownie split analogy and the trap of tracking equal effort [00:30:19] - Wumaze: the mental health app started from college dorm rooms [00:41:34] - Five years, no salary, and the monetization challenge of a free app [00:45:40] - Recognizing when a chapter has completed its course [00:51:59] - Visionary and integrator: how their differences became their advantage [00:56:59] - What freedom means: Leah on giving freely, Becca on being present Guest Bio: Leah and Becca Wiser are identical twin sisters and creative partners who help service-based businesses take their brands and websites to the next level. With over 100 websites launched, they are strategic partners for companies looking to attract high-end clientele, generate quality leads, and turn their websites into powerful sales tools. They are also co-founders of Wumaze, a free emotional well-being app for women featured on Forbes, NBC, and CBS that grew to over 100,000 users. They operate A Wiser Website together. Host Bio: Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast. Show Description: Do you want your business to grow faster? The DealQuest Podcast with Corey Kupfer reveals how successful entrepreneurs and business leaders use strategic deals to accelerate growth. From large mergers and acquisitions to capital raising, joint ventures, strategic alliances, real estate deals, and more, this show discusses the full spectrum of deal-driven growth strategies. Get the confidence to pursue deals that will help your company scale faster. Related Episodes:Episode 366 - Jodi Hume: Founder Exits and the Emotional Journey Behind Major Business Decisions: Explore the psychological dimensions of stepping away from a company you built and what founders need to prepare for beyond the transaction. Episode 350 - Tom Dillon: When NOT to Take Venture Capital Money: Discover alternative funding sources and how to evaluate whether outside capital is the right fit for your business model. Episode 330 - Pete Mohr: Building Enterprise Value and Exit Readiness: Learn the foundational steps for building a business positioned to grow and, when the time comes, exit on your own terms. Social Media Follow DealQuest Podcast: LinkedIn: https://www.linkedin.com/in/coreykupfer/ Website: https://www.coreykupfer.com/ Keywords/Tags:business partnership, co-founder dynamics, twin entrepreneurs, angel investment, capital raising, business pivot, web design strategy, service-based business, brand strategy, entrepreneurial journey, women entrepreneurs, co-founder relationship, visionary integrator, bootstrapping, mental health app, website as sales tool, entrepreneurship

In this episode, host Josh interviews Will Russell, CEO of Russell Marketing, about effective strategies for launching e-commerce products. Will shares his five-step framework, emphasizing audience building through paid ads, partnerships, virality, and organic growth. They discuss practical tactics for Amazon sellers, such as using product insert cards with QR codes, leveraging surveys for product validation, and segmenting email lists for launch campaigns. Will highlights the importance of nurturing existing customers and using their feedback for product development. The episode offers actionable insights for entrepreneurs aiming to maximize launch success and scale their businesses efficiently.Chapters:Introduction to Will Russell and Russell Marketing (00:00:00)Will Russell's background, agency achievements, and book introduction.Strategies for Building an Engaged Audience Pre-Launch (00:00:55)Overview of paid acquisition, piggybacking/partnerships, virality, and organic growth for audience building.Piggybacking and Partnerships Explained (00:01:20)How to leverage existing communities and partnerships to access target audiences.Virality and Organic Growth (00:02:47)Discussion of viral marketing, influencer strategies, and the role of organic content.Summary of Audience-Building Approaches (00:03:53)Recap of paid, partnership, viral, and organic methods for audience growth.Leveraging Existing Customer Bases for Product Validation (00:05:07)Using current customers for product validation, feedback, and preorders to reduce launch risk.The Value of Existing Communities in Launches (00:07:11)How established audiences give a head start and lower costs for new product launches.Applying the Five-Step Framework to Amazon Sellers (00:08:14)Host introduces actionable takeaways, adapting Will's framework for Amazon product launches.Step 1: Product Validation Tactics (00:09:26)Using product inserts, QR codes, and Amazon analytics to validate new product ideas.Step 2: Audience Building and Customer Surveys (00:10:37)Reaching out to existing customers, using surveys to identify pain points and refine products.Step 3: Audience Engagement During Product Development (00:11:50)Keeping customers involved in product design and updates to build anticipation and loyalty.Step 4: Conversion Strategies and List Segmentation (00:13:05)Segmenting email lists for staggered launch campaigns to optimize Amazon ranking and conversions.Step 5: Scaling and Ongoing Audience Engagement (00:14:02)Using product inserts and ongoing engagement to prepare for future launches and scale the business.Review Research and Copywriting Insights (00:14:28)Using competitor reviews for product development and marketing language.Segmentation Strategies for Different Launch Models (00:15:19)How to segment audiences for Amazon vs. crowdfunding launches, prioritizing likely converters.Conclusion and Final Thoughts (00:17:01)Recap, book recommendation, and closing remarks.Links and Mentions:Advertising Tools:"Facebook Ads": "00:01:20""Google Ads": "00:01:20""Reddit Ads": "00:01:20""Amazon Brand Analytics": "00:10:37"Books:"Take Your Idea from Light Bulb Moment to Profitable Business in Record Time" by Will Russell: "00:00:52"Marketing Concepts and Strategies:"Piggybacking": "00:01:20""Virality": "00:02:47""Organic Growth": "00:03:53""Customer Surveys": "00:06:02""Product Insert Cards": "00:09:26""Segmentation for Email/Text Lists": "00:13:05"Content and Influencer Strategies:"User-Generated Content": "00:02:47""Influencer Marketing": "00:02:47""Referral Strategies": "00:02:47"Transcript:Josh 00:00:00  Today I'm super excited to introduce you to Will Russell. He is the CEO and founder of Russell Marketing. Russell Marketing is an innovative digital agency specializing in e-commerce launch marketing. To date, they have generated more than 25 million in revenue for over 300 new entrepreneurs. Will has been featured on Forbes, Business Insider, Crain's New York Start-Up nation and many more. Will also has launched the Russell Gibbs Foundation, a family foundation that offers grants and mentorship to 501 C3 partners committed to diversity, equity and inclusion. In November of 2022, Will's first book launch in five. Take your Idea From Light Bulb Moment to Profitable Business in Record Time, was published by Nicholas Brealey. So welcome to the show, Will.Will 00:00:52  Thank you. Thanks for having me, Josh. It's a real pleasure to be here.Josh 00:00:55  When you talk about building an engaged, you know, audience or, you know, building it up a The following. What are what are the channels or strategies to kind of build this following of people before you've even launched a product?Will 00:01:15  By and large, most people are going to lean heavily into paid acquisition.Will 00:01:20  And so, you know, that means paying Facebook or Google or Reddit for ad space and driving traffic using those methods. Now, not everyone has big budgets. They can just plug in. To do that, I always suggest paid acquisition because frankly, is the quickest and easiest way of getting from where you are to where you need to be. But I understand not everyone has the budget. So for those who don't have those budgets, or for those who don't want to rely entirely on those budgets, there's a few other avenues you really look to. One is piggybacking. And so by piggybacking, we're looking for partners or like minded communities that already we have the people we want, and we want to build a connection with the managers or the founders of those communities and essentially piggyback on top of the success they've had to get access to these people. So examples of that might be, maybe you don't want to put $10,000 into a Facebook ad campaign, but maybe you could purchase an advertising spot or in a particular media websites newsletter, or you could write a guest post, or you could do some sort of exchange post promotional exchange with them over a period of six months, where maybe front end of that relationship, they're helping you, but then towards the back end, you're going to balance that out more and start helping them in different ways.Will 00:02:47  So piggybacking and looking at those kind of partnerships is a really good route. Another effort we're going to look to is virality. It's a tough one because it's you know, there are obviously elements to what makes something viral and, and checkboxes that you can go through. But there's always an element of luck there. You don't really know for sure whether a big effort to go viral is going to work. And so it can be a bit of a risk, but virality and that can be things such as word of mouth, marketing strategies, referral strategies and fun content, user generated content, things like ambassadors or affiliate marketing. We might even include some influencer marketing in that. So we've got the virality is certainly a good a good path to go. If you don't want to lean into pushing too much of your budget into paid ads, and then I mean, the fourth and longest one, I suppose is is the organic, you know, people that don't have big budgets and and maybe don't excel. I don't have any partners or I don't have.Will 00:03:53  I can't make things viral. They can't ...

Most companies say the customer comes first. But in meeting rooms across every industry, business decisions get made every day without a single thought about how they will land on the people paying the bills. Dan Gingiss has spent his career asking one question: what would happen if leaders simply kept the customer in the room? In this episode of Boss Better Now, Joe Mull sits down with Dan Gingiss, a customer experience keynote speaker and author who led digital CX teams at Discover, Humana, and McDonald's. Dan traces his path from Domino's delivery driver to Fortune 500 executive and shares what each step taught him about the irreversible link between how leaders treat their people and how those people treat customers. Dan unpacks why customer experience is not a department but a company-wide discipline, how a manager can build trust with a new team before anyone has earned it, and what he calls "collective lift," the undervalued skill of raising the performance of everyone around you. He also challenges one of the most reflexive assumptions in leadership: that your best individual performer is your best candidate for management. In this episode, you'll learn:

Today on the Invest In Her Podcast, host Catherine Gray talks with Deborah Stavis and Chelsea Stavis, a dynamic mother-daughter duo redefining private wealth management through a family-first lens. Deborah brings over 35 years of experience as a private wealth manager, having built and led two successful Registered Investment Advisory firms with approximately $1 billion in assets under management. A respected educator and community leader, she has taught at Rice University and been recognized by major publications including Forbes and The Wall Street Journal. Her daughter, Chelsea, serves as Co-Founder and Chief Growth Officer of Stavis Wealth, where she leads marketing, media, and community initiatives while also producing original content and programming. With a background in investment banking and a creative career in film and storytelling, Chelsea brings a multidisciplinary approach to empowering families and communities through financial education and engagement.  In this episode, Deborah and Chelsea share how they are modernizing wealth management by integrating legacy planning, philanthropy, and education into a more holistic and approachable experience. They discuss the importance of financial literacy—especially for women—and how creating open, engaging conversations around money can transform generational outcomes. The conversation also explores the evolution of family offices, the role of storytelling in financial empowerment, and how their "edu-tainment" approach is helping clients feel more confident and informed. Together, they offer a compelling perspective on building wealth with purpose, strengthening family legacies, and making financial planning more inclusive for future generations. Websites Mentioned https://www.showherthemoneymovie.com www.sheangelinvestors.com    Follow Us On Social Facebook @sheangelinvestors Twitter (X) @sheangelsinvest Instagram @sheangelinvestors & @catherinegray_investinher LinkedIn @catherinelgray & @sheangels   #InvestInHer #FinancialWellness #WomenInFinance #FinancialEmpowerment #MoneyMindset #InclusiveFinance #FintechForGood #BehavioralEconomics #WealthBuilding #FinancialHealth #EmpowerWomen #MoneyMatters #SheAngelInvestors #InvestInYourself #FinancialFreedom  

On this episode of the Live Greatly podcast, Kristel Bauer sits down with Tommy and Will Higham, co-founders of Lola Blankets, a rapidly growing home brand in the U.S., known for blending comfort, community, and purpose-driven growth. What started as a deeply personal mission—honoring their mother, Amy ("Lola"), after she passed away from breast cancer—has evolved into a brand that has sold hundreds of thousands of blankets, built a loyal community, and donated over $500,000 to breast cancer charities. Kristel, Tommy, and Will explore the story behind Lola Blankets' rapid rise, what it takes to build an authentic and emotionally connected brand, and the mindset shifts that support sustainable success as entrepreneurs. They also share insights into managing stress as founders, and staying grounded while scaling a fast-growing company. Tune in for an inspiring conversation on entrepreneurship, resilience, and building something meaningful that resonates. Key Takeaways From This Episode: How Lola Blankets was created from a deeply personal story and purpose Why community and emotional connection are central to brand growth The role of authenticity in building trust and long-term success What has fueled Lola Blankets' rapid growth Creative approaches to marketing and standing out in a crowded space Tips for entrepreneurs looking to build and scale a meaningful brand Tips for how founders can manage stress and sustain performance while growing a business ABOUT WILL & TOMMY HIGHAM Tommy and Will Higham, the co-founders of Lola Blankets—one of the fastest-growing home brands in America that's redefining what a "cozy" company looks like.  At just four years old, Lola Blankets sold 600,000 blankets in a single month last November and completely sold out within 48 hours. With 20,000+ five-star reviews and over $500,000 donated to breast cancer charities, this isn't just a bedding company—it's a brand built on emotional connection, bold marketing, and purpose-driven growth. For background, the brand launched in 2021 and was created in honor of their mother, Amy—nicknamed "Lola"—who found comfort in her faux-fur blanket while battling breast cancer.  Tommy, a designer and social media creative, built Lola's distinct aesthetic and cult-favorite brand identity. Will, a former management consultant, architected the operational scale behind explosive growth. Together, they've transformed a traditionally "sleepy" category with unexpected, fashion-forward marketing—becoming the first home brand to stage a fashion show during NYFW and even gifting Polaris RZRs to top creators to drive sales momentum. They've collaborated with names like Tezza, Aviator Nation, and LANY—and often maintain waitlists for their machine-washable faux-fur blankets. Connect with Lola Blankets & Will and Tommy Website: https://lolablankets.com/  Instagram: https://www.instagram.com/lolablankets/?hl=en  LinkedIn: https://www.linkedin.com/in/will-higham-492118108/  https://www.linkedin.com/in/tommy-higham-843b29b9/  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 award-winning 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's work has been featured in Forbes and she has had multiple TV appearances including NBC News Daily, ABC News Live, FOX Weather, ABC 7 Chicago, WGN Daytime Chicago and more. Kristel lives in the Chicago, IL 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.

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Join our Patreon for extra-long episodes and ad-free content: https://www.patreon.com/techishMichael and Abadesi are back with a brand new Techish episode. This week, another Forbes 30 Under 30 founder is in hot water, with a whistleblower taking to Substack to accuse Y Combinator-backed compliance startup Delve of fraud. They also break down Jay-Z's rebuttal to the "you can't be an ethical billionaire" debate, the horror novel that's fallen foul of AI allegations on BookTok, and for Patreon subscribers: Meta and YouTube found liable in a landmark social media addiction trial.Chapters00:24 Delve: Whistleblower Accuses Forbes 30 Under 30 Founders Of Fraud05:44 Jay-Z Says Billionaire Hate Is a 'Cop-Out'18:59 Hachette Pulls Black Author's Novel Over Alleged AI Use25:16 Meta and YouTube Found Liable in Landmark Social Media Addiction Trial [Patreon-Only]Extra Reading & ResourcesThe Delve Scandal: A Y Combinator Darling Just Got Hit With a Bombshell Fraud Accusation [Inc]Delve Whistleblower's Substack [Substack]404 Media Exclusive: The Jay-Z Interview [GQ]Hachette pulls horror novel Shy Girl after suspected AI use [The Guardian]Meet ‘Freida McFadden', the doctor hiding her secret life as a bestselling author [The Times, $]Jury finds Meta and Google negligent in social media harms trial [NPR]Support the showJoin our Patreon for early content, extra-long episodes and ad-free content: https://www.patreon.com/techishWatch us on YouTube: https://www.youtube.com/@techishpod/Advertise on Techish: https://goo.gl/forms/MY0F79gkRG6Jp8dJ2————————————————————Stay in touch with the hashtag #Techishhttps://www.instagram.com/techishpod/https://www.instagram.com/abadesi/https://www.instagram.com/michaelberhane_/ Email us at techishpod@gmail.com 

This week on The Remarkable Retail Podcast, Steve Dennis and Michael LeBlanc break down the forces reshaping retail before sitting down live at Shoptalk in Las Vegas with Matt Baer, CEO of Stitch Fix. The episode opens with a wide-ranging look at the macro pressures bearing down on the industry—geopolitical conflict, rising tariffs, and supply chain strain. Earnings from Nike and RH reveal a consistent theme: even iconic brands can stumble when positioning and innovation lag behind a volatile consumer environment. In grocery, the "collapse of the unremarkable middle" continues as Walmart, Amazon, Aldi, and premium players squeeze traditional operators like Albertsons. A wave of M&A activity—including Allbirds' dramatic valuation collapse, Bed Bath & Beyond's improbable resurrection, and its acquisition of The Container Store—underscores just how much disruption is still unfolding. The hosts also push back on the hype around AI tools like Macy's shopping assistant, cautioning against confusing correlation with causation. At the center of the episode is a compelling conversation with Matt Baer, who outlines how Stitch Fix is executing a disciplined turnaround built on three phases: establishing a strong operational foundation, reimagining the customer experience, and returning to sustainable growth. Four consecutive quarters of improving revenue trends suggest the strategy is working. Baer's core argument is that true personalization isn't about volume or targeting—it's about relevance, timing, and understanding customers at a granular level. Stitch Fix achieves this by pairing deep data and AI-driven recommendations with human stylists who bring judgment, empathy, and relationship-building to a category that remains inherently emotional. New tools like AI styling assistants and digital visualization are enhancing that human element, not replacing it. The episode closes with forward-looking perspective on retail crime, supply chain vulnerability, and macroeconomic uncertainty—and a clear throughline: in an increasingly chaotic landscape, agility and strategic clarity aren't optional. Join us at the CommerceNext Growth Show in New York June 23rd and 24th with this exclusive discount code for 10% off general admission tickets and FREE retail tickets: Your code is "REMARKABLE" . See you in the Big Apple! About UsSteve Dennis is a strategic advisor and keynote speaker focused on growth and innovation, who has also been named one of the world's top retail influencers. He is the bestselling author of two books: Leaders Leap: Transforming Your Company at the Speed of Disruption and Remarkable Retail: How To Win & Keep Customers in the Age of Disruption. Steve regularly shares his insights in his role as a Forbes senior retail contributor and on social media.Michael LeBlanc is a senior retail advisor, keynote speaker and media entrepreneur. Michael has delivered keynotes, hosted fire-side discussions hosted senior retail executive on-stage in 1:1 interviews worldwide. Michael produces and hosts a network of leading retail trade podcasts, including The Remarkable Retail Podcast, The Voice of Retail The Food Professor, The FEED powered by Loblaw and the Global eCommerce Leaders podcast. He has been recognized by the NRF as a global Top Retail Voice for 2025 and 2025 and continues to be a ReThink Retail Top Retail Expert for the fifth year in a row.

"If there are people who are willing to talk to you about it, the first thing you got to do is listen….I grew up in a very rural area and it's very conservative also. And when I go home, I don't talk about climate change. I do talk about what's going on with hunting season. 'Oh, there's no deer this year. Why do you think that is? Tell me about the rain'….It is again about that pivoting and you have to understand what's important to the people you're talking to… I might say, 'I just upgraded my mom's generator. It's great because with all the outages we're having out here, now she can get electricity and I know your husband's been sick, that could be something that could be really beneficial for you.' I do not mention climate change…I am putting out ideas that are going to save somebody's life, I'm responding to the situation of the people that I'm speaking with." Allison Agsten on Electric Ladies Podcast How do we keep people safe and sound in the face of ferocious weather, wildfires and floods, especially when they wince at the words "climate change"? Make it real for their world. How? Listen to Allison Agsten, Director of the Center for Climate Journalism and Communications at the University of Southern California in this fascinating conversation with Electric Ladies Podcast host Joan Michelson. She also curates art at the intersection of art and climate at the Wrigley Marine Science Center.   You'll hear about: How to keep people safe with adaptation strategies without talking about climate change. How art and climate intersect and how it helps people stay safe. How to combat disinformation and misinformation…and so much more Plus, career advice, such as: "When I talk to women who are at some point in their careers and they're thinking of joining our sustainability communicator cohort, they always say to me, I just don't know if my skills are translatable. Yeah, they are. I can help you think about the language…It's scary because I've done it myself. I've made a number of career pivots, but to me, even scarier is not taking that chance and having the opportunity to feel really good about the work you do every day….I sleep well at night because I know that I used the skills that I have to do the thing that I think is most important." Allison Agsten on Electric Ladies Podcast Subscribe to our newsletter here -- and Read Joan's Forbes articles here. You'll also like: How to Talk About Climate in a Polarized Culture - with Katharine Hayhoe, Ph.D., Climate Scientist, Professor at Texas Tech University and Chief Scientist at The Nature Conservancy Seek First to Understand - with Jennifer Hough, Advisor, TEDx Speaker, Author How Do We Talk About Climate? - with Jill Tidman, Executive Director of The Redford Center, nonprofit producing environmental documentaries and media What's a Tech Humanist? - with Kate O'Neill, Speaker, Tech Humanist, Author The Politics of Climate & Energy – with Congresswoman Chrissy Houlahan, Co-Chair, Bipartisan Climate Solutions Caucus How Climate Modelling Affects Everything – Maria Caffrey, Ph.D., Principal Scientist, UK's National Physical Laboratory Subscribe to our newsletter to receive our podcasts, blog, events and special coaching offers. Thanks for subscribing on Apple Podcasts or iHeartRadio and leaving us a review! Follow us on Twitter @joanmichelson

The New Rules of Prosperity: Thriving in a Disruptive Economy   From Prison to Prosperity: How Mental Programming Shapes Your Financial Destiny    Randy Gage, Speaker Hall of Famer and bestselling author known as The Entrepreneur Whisperer, sits down with Rocky Lalvani to discuss his remarkable journey from a jail cell at 15 to becoming a multi-millionaire entrepreneur. More importantly, Randy reveals the mental programming and "mind viruses" that have been sabotaging your financial success since childhood, and how to deliberately reprogram your beliefs about money, success, and your own potential.    Learning Insights  Your Money Story Was Written Before You Were Eight Years Old. Most of your beliefs about money, success, and worthiness were installed by your family, school, community, and the stories you consumed before you could question them. Until you identify and consciously reprogram these beliefs, they will continue to run your financial life.  Mind Viruses Spread Through Emotional Stories Popular culture has programmed you to believe that money is bad, and rich people are evil through emotional narratives. From Spider-Man to Superman to Harry Potter, nearly every major protagonist is an orphan receiving the subconscious message that poverty equals morality and wealth equals corruption.  True Prosperity Has Four Quadrants: Resources, Health, Harmony, and Significance. Money alone is not prosperity. Real prosperity requires financial resources, physical health and wellness, spiritual or emotional harmony, and significance (the legacy and positive impact you leave behind). Most people chase only the first quadrant and end up being wealthy but miserable.  Entrepreneurship Forces the Self-Development That Employees Avoid. Business owners pursue personal transformation out of necessity because their survival and success depend directly on their mindset and capabilities. Employees rarely have this same urgency, which is why most self-development programs are filled with entrepreneurs.  The Safest Move Is to Take More Calculated Risks. In a rapidly changing world, doing nothing is the biggest risk. Whether it's embracing AI, starting a side business, or challenging your limiting beliefs, the safest strategy is taking more shots on goal with prudent, measured attempts.    Why This Conversation Matters  In a world where financial advice is everywhere but prosperity remains elusive for most people, Randy Gage cuts through the noise to address the real problem: your programming. This conversation matters because it reveals that your external financial results are simply a reflection of your internal beliefs. You can follow every money-making formula, attend every seminar, and read every book, but if you're still operating on the belief that "rich people are evil" or "money corrupts," you'll unconsciously sabotage your success. Understanding this fundamental truth is the prerequisite for building lasting wealth and the other dimensions of a prosperous life.    The Money Learning  Randy's perspective on money has evolved from viewing it as something to steal (at 15) to understanding it as energy and a tool for creating good in the world. His most important money lesson came from losing everything to the IRS and being forced to reprogram his beliefs about success and self-responsibility. He teaches that money is morally neutral. It's neither good nor bad. The programming that tells you otherwise came from Hollywood, your family, and your culture, and it's costing you millions. The path to financial freedom begins by recognizing these installed beliefs, deliberately replacing them with empowering ones, and then taking consistent action from that new foundation.    Key Takeaway  Your money story, success story, and relationship story were largely written by age eight through the beliefs you absorbed from your environment. Until you consciously identify these "mind viruses" and deliberately reprogram them with new, empowering beliefs, you'll continue to sabotage yourself at every level of prosperity. The good news is that reprogramming is possible at any age. Randy Gage is living proof that you can go from a jail cell to millions, from a lonely bookworm to a world-renowned speaker, from financial disaster to your best year ever. The question is: what programming is running your life right now, and are you brave enough to rewrite it?    About Randy Gage  Randy Gage is a Speaker Hall of Famer, bestselling author, and thought leader known worldwide as The Entrepreneur Whisperer. From a jail cell as a teenager to becoming a multi-millionaire entrepreneur, Randy has spent three decades helping people rewrite the mental programming that blocks their prosperity.    He's the author of 15 books translated into more than 25 languages, including Risky Is the New Safe, Mad Genius, and Radical Rebirth. Randy's been featured in Forbes, Fortune, Fox News, and SUCCESS Magazine, and has shared the stage with some of the world's most influential business minds.    Hosts love Randy because he doesn't deliver theory — he brings bold ideas, provocative stories, and practical strategies that get audiences thinking bigger and acting smarter about money, success, and mindset.    Links  Website: https://randygage.com/    Facebook: https://www.facebook.com/randygage/    LinkedIn: https://www.linkedin.com/in/randygage/    Instagram: https://www.instagram.com/randy_gage?igsh=bGxhc3Q3N2EyMGlr    X: https://x.com/Randy_Gage    YouTube: https://www.youtube.com/randygage    Watch the full episode on YouTube: https://www.youtube.com/@richersoul  Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom!  Thanks for listening!  Show Sponsor: http://profitcomesfirst.com/  Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro appointment 15 minutes  If you like the show please leave a review on iTunes: http://bit.do/richersoul  https://www.facebook.com/richersoul  http://richersoul.com/  rocky@richersoul.com  Some 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. 

You can be successful and still feel like something’s missing from your life. A meaningful life is built when your life makes sense to you, has purpose and direction, and is rooted in healthy relationships. In this episode, Andy Stanley sits down with Arthur Brooks, bestselling author and Harvard professor, to explore why so many successful people still feel unfulfilled. Together, they unpack the three essential components of meaning, why our culture is making it harder to find, and how even suffering can become a catalyst for deeper clarity and growth. They also explore the shift from a self-focused life to one centered on serving others and why that shift changes everything. If you’ve ever felt busy but off, or successful but unsatisfied, this conversation will help you realign what matters most and take a simple first step toward a more meaningful life and leadership. Download the application guide: https://bit.ly/3NSefsQ Here is what they cover in this episode: Why anxiety, loneliness, and meaninglessness have surged in recent years (7:18) The three components of meaning: coherence, purpose, and significance (9:31) Why life feels empty when everything seems random—and how faith restores coherence (12:18) How suffering actually helps us discover meaning (19:29) The shift from “me self” to “I self” and why serving others changes everything (21:58) A simple starting point: creating silence so meaning can find you (32:15) Special thanks to our sponsor BELAY for offering a free download of their resource Five Traits AI Can't Replace. Just text the word ANDY to 55123 to claim your free guide now. Recognized as one of Forbes' 6 Leadership Podcasts To Listen To In 2024 and one of the Best Leadership Podcasts To Stay in the Know for CEOs, according to Industry Leaders Magazine. If this podcast has made you a better leader, you can help it by leaving a quick Spotify or Apple Podcasts review. You can visit Spotify or Apple Podcasts, and then go to the “Reviews” section. Thank you for sharing! ____________ Where to find Andy: Instagram: @andy_stanley Facebook: Andy Stanley Official X: @andystanley YouTube: @AndyStanleyOfficial See omnystudio.com/listener for privacy information.

Karena Dawn shares her deeply personal journey of healing from childhood trauma, mental illness in her family, and her transformative path through forgiveness, acceptance, and self-love. This episode explores the power of vulnerability, emotional resilience, and holistic wellness.Chapters00:00 The Journey of Writing 'The Big Silence'02:57 Mother-Child Relationships and Acceptance06:07 Transforming Trauma into Strength08:54 Navigating Abandonment and Trust in Relationships11:59 Healing Through Therapy and Self-Discovery14:49 Building Healthy Family Dynamics17:45 Redefining Motherhood and Personal Choices20:29 The Influence of Family on Fitness Journey22:58 Building a Fitness Brand: Tone It Up25:32 Authenticity and Sharing Personal Stories28:53 Navigating Fear and Anxiety30:49 Establishing a Healthy Routine34:07 Healing Relationships and Personal Growth37:21 A Message of Hope and HealingSponsors: FATTY15 OFFER: Fatty15 is on a mission to replenish your C15 levels and restore your long-term health. You can get an additional 15% off their 90-day subscription Starter Kit by going to fatty15.com/KIMBERLY and using code KIMBERLY at checkout.USE LINK: fatty15.com/KIMBERLYLMNTOFFER: Right now, for my listeners LMNT is offering a free sample pack with any LMNT drink mix purchase at DrinkLMNT.com/FEELGOOD. That's 8 single serving packets FREE with any LMNT any LMNT drink mix purchase. This deal is only available through my link so. Also try the new LMNT Sparkling — a bold, 16-ounce can of sparkling electrolyte water.USE LINK: DrinkLMNT.com/FEELGOOD Karena Dawn Resources: Book: The Big Silence: A Daughter's Memoir of Mental Illness and Healing (July 25th, 2025)Website: karenadawn.com Social: IG: @kerenadawn (204k) Bio: Karena Dawn is a co-founder of Tone It Up, the leading women's fitness community, the founder of The Big Silence, the mental health nonprofit foundation, and host of The Big Silence Podcast, a leading mental health and self-development podcast. Karena has authored several books focused on fitness, wellness, and personal growth including New York Times bestseller Tone It Up: 28 Days to Fit Fierce, and Fabulous, Balanced and Beautiful: 5-Day Reset for Your Body, Mind, and Spirit, and The Big Silence: A Daughter's Memoir of Mental Illness and Healing. In her memoir, Karena shares her personal story of growing up with a mother suffering from severe mental health issues and schizophrenia, her own struggles with depression and addiction, and her path to healing and self-discovery. Karena has been featured on Good Morning America and Tamron Hall, and in People, Shape, Oprah, Parade, Business Insider, E!, and in Forbes for creating a “fitness empire.” She was also named on the Create & Cultivate 100 list honoring women who are masters in their field. She has also headlined the POPSUGAR Play/Ground Festival, has been a keynote speaker at the PoWer Up Women's Conference, is a regularly featured speaker and instructor for TED Women, and is a mindful meditation coach for Chopra Global. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

North Carolina Baseball continued its winning ways the past week, closing out an in-state rival in extras before bouncing back against upstart Boston College, winning Saturday's rubber match in comeback fashion, 8-7. Carolina's 27-5-1 record has the Heels ranked in the top six nationally and third in the ACC (11-4 in league play). Head coach Scott Forbes joins Tommy Ashley for their weekly conversation about what it took to beat the Eagles, the grind these middle of the season series take on a team and how pitching continues to power the Diamond Heels. Forbes discusses dealing with team and player discipline both on and off the field and looks head to this week's pitching matchups against Charlotte on Tuesday and down in Clemson this coming weekend. Founded in 1994, Inside Carolina is universally viewed as the authority on Tar Heel sports and recruiting. With relentless, unparalleled year-round coverage, and the largest online community of always-engaged UNC fans, the slogan is true: “There is no offseason at Inside Carolina.” **Call to Action:** **Subscribe:** Follow 'Inside Carolina' wherever you get your podcasts to never miss an episode! **Review:** Leave us a 5-star review on Apple Podcasts or Spotify to help us reach more Tar Heel fans! **Visit:** Explore http://www.InsideCarolina.com for breaking news, recruiting updates, and expert commentary on all things UNC sports.This show is brought to you by Inside Carolina, the No. 1 site for UNC sports coverage and community. Visit http://www.InsideCarolina.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Keith challenges the belief that all debt is bad and reframes it as a tool for building wealth when used intentionally.  He contrasts destructive consumer debt with productive investment debt, especially in real estate, and explains how inflation, long-term fixed-rate loans, and rental income can work together to grow net worth.  Keith explores the mindset shift from prioritizing safety and being debt-free to pursuing growth through leverage, highlights the opportunity cost of avoiding debt, and offers practical guidelines for using borrowing rationally rather than emotionally.  He also shows how modern economies and many wealthy individuals rely on strategic debt, positioning it as a key part of a more intentional, asset-focused version of the American Dream. Episode Page: GetRichEducation.com/600 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   welcome to GRE. I'm your host. Keith weinholder, there's bad debt, good debt and great debt. Are you using debt wisely, and are you ensuring that you stay in debt? Because debt is the American dream today, on get rich education milestone episode 600   Corey Coates  0:23   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 in every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:06   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:40   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  1:56   Welcome to GRE from Kennewick, Washington at Kennebunkport, Maine and across 188 nations worldwide. I'm Keith Weinhold, and you are inside get rich education. Yes, America's favorite slack jawed mammal on a microphone has got his act back on track, for your listening pleasure, since 2014 This is our 600th wealth building week in a row, you've been misled, not maliciously, not even intentionally, but somewhere along the way, a really expensive idea got planted inside your head, and it was once planted inside my head, that debt is bad, just blanketly bad, that the goal is to be debt free, that owing money to somebody else is something to escape as fast as possible. And look, I get it, if your mindset is in the old middle class consumer credit world like mine was for much of my life, debt feels heavy, it feels like risk, it feels like obligation, but the people telling you to avoid debt, they're the same people that never built much wealth now a reliance on 22% APR, credit card debt just To pay basic living expenses, because it's the only way that you could do it, merely making the minimum monthly payment that right there is the road to ruin. Why? Well, because the interest rate is high, because you have to pay it back yourself, and because it's unsecured, meaning that there's no collateral, and at the same time, the people quietly getting rich, what are they doing? They're using debt every single day. So debt is not the enemy, it's just the tool, and like any tool, it can build a house, or it can smash your thumb if you miss the nail. Well today we're going to separate the two, because if you understand this one concept, then you stop playing defense financially and start going on offense. In fact, I'll go further. Debt isn't the opposite of the American Dream used correctly. Debt is the American dream. Now, my turning point was really fueled when I made my first ever home, that $295,000 blue four Plex Building Two decades ago, with just my three and a half percent down payment. That meant that 96 and a half percent was borrowed. That's debt, and that fueled everything for me, and got the ball rolling on using that seminal four Plex to leverage even more debt and more property with 1031 exchanges and cash out refinances debt made that American dream free. Me because I could not have afforded $295,000 all cash back then. Now, a guest that we had on the show last year and the owner of a commercial lending company, Hannah Hannan, she recently talked about the virtues of debt. I met Hannah because we were both faculty members on last year's real estate guys Investor Summit at sea cruise. Well, Hannah went on a different cruise and saw in Jamaica that there were all these vacant and uncompleted houses just sort of weirdly stuck at different stages of construction. She asked the tour guide, why are these houses all abandoned? And and the tour guide answered, we don't have loans here in Jamaica. People have to work make money and then start the build, and then the build pauses while they make more money, and then they have to construct the next phase of the build as they go and go back to making more money like that. I mean, sheesh, that's awful. Can you imagine if you had to build a home or a rental property for yourself that way? Well, back here in the US, access to debt is what allows people to build wealth faster, especially in real estate, you can use other people's money control large assets, pay less in taxes and compound off a much smaller amount of capital. That's the difference. Debt availability is really good in the US compared to other nations, and that's the emphasis on the American part of today's episode. Debt is the American dream. Now, when it comes to the big misunderstanding, most people think that debt is really just one thing. They just lump it all like it's all bad, credit cards, car loans, student loans, mortgages. A lot of people, they really do. They just still throw it all into one mental bucket that's sort of labeled da, avoid that at all costs. I'm telling you, no way you cannot do that. I mean, this is like saying food is bad because candy exists. No, there's junk food and there's fuel. It's the same with debt. Consumer debt is a wealth killer. Investment debt is a wealth creator, and if you don't know the difference well, you end up avoiding the very thing that could move your life forward. Here's another way to think about it, debt doesn't make you poor. Using debt poorly makes you poor.    Keith Weinhold  7:36   In real estate, inflation is quietly paying your mortgage, even if you never made a principal payment at all. When you really understand this, it almost sounds too good to be true. Most people think inflation is just rising prices, and it is that, but they miss the other side of the equation. Inflation also shrinks debt, something I've been talking about for more than 10 years here. If you have a 30 year fixed rate mortgage, you're paying back that loan with future dollars that are worth less, and meanwhile, rents tend to rise, wages tend to rise, and asset values tend to rise, but your mortgage, it stays fixed. Inflation can't touch it, and that means that over time, your payment gets easier and easier to make. Oh, and then if you've got a tenant in place as well, oh, they're the one sending in the check for everything. And inflation is not just happening to you. It's now working for you. If you've got, say, a $500,000 mortgage loan, and inflation is 3% well, then inflation enriched you by $15,000 every single year. That's $1,250 a month just on this 500k mortgage loan. And if you've got an investment property rented out. You've even got the tenant paying down, oh, maybe $400 in monthly principal for you on the property, plus this $1,250 in inflation profiting, plus $100 of cash flow. This is $1,750 in monthly benefit before we've even added in your tax benefits and the appreciation potential. What made this all happen debt is what made it all a reality for you. When we talk about why the middle class fears debt, yeah, there is a mindset divide here. On one side, it simply says, get out of debt, stay out of debt and avoid risk. On the other we ask, How can I use that to acquire assets? So it's really like the first group is focused on safety and the second group is focused on growth, and after a while you have to ask bigger X. Potential questions like, do you want to live a life of safety, or do you want to live a life of growth? Now, I'm not knocking discipline, but there is a hidden cost to avoiding debt entirely. It's called opportunity cost. When you pay all cash, oh, well, then you lose leverage, you lose scalability, you lose tax advantages, and you often lose time. Hey, just like I would have by postponing my first four Plex purchase for, say, five plus years until I could have saved up all that money by myself. That's why playing it safe is often the riskiest move, because while you're sitting on the sidelines, inflation and rising prices are still in the game, and you've taken yourself out of the game. When we talk about the American dream, look, America was built on debt leverage.    Keith Weinhold  11:01   Zoom out for a second. This isn't just about you and me. America itself was built on debt. Railroads were financed with borrowed money that helped Cornelius Vanderbilt build his railroad empire in the 1800s in the 1900s highways were funded through government debt. Today, our entire suburbs are built on mortgages. Leverage didn't break the system. It built the system. So it's kind of ironic that today people are told the safest move is to avoid the very mechanism that built this modern economy that you and I are living inside every day. Debt is how things get done. Now, practically, yes, debt can absolutely wreck you if it's used poorly. So we think about some simple guardrails then favor fixed rate debt over variable match long term debt with long term assets, and you want to chiefly borrow for cash flowing or appreciating assets, and also stress test your deals assume that things won't go perfectly. So this certainly is not about being reckless. It's about being intentional. Debt should serve you, not the other way around. And now notice how I said to chiefly use debt for cash flowing or appreciating assets. I didn't say solely because you'll remember how last year, I talked to you about how I bought a new car for myself and financed as much as I was allowed, almost 100% debt. I had to make, like, a two or 3k down payment on the car because it was a special order. And once they start, you know, building it and customizing it for me, well, then they're at risk if they don't have a deposit, all right? Well, I found a way to make this car debt pretty good debt. Oh, and you might be thinking, oh, yeah, of course. Well, if you use it for business, you probably get some deductions that way. Oh, no, no. Business use totally a personal car, almost leveraged to the hilt, but it's not bad debt, and I'll tell you why. By the way, this isn't some high end exotic car. It's a BMW x3 SUV. It was like 53 or 55k and now how could I possibly call this good debt? Nope, I'm not running it out to other people or anything like that, because here, unlike income property, where a tenant pays it down, I do have to make these car payments myself. Well, in a word, the reason I did it this way is for the arbitrage. I got a fixed 3.99% interest rate for five years. Call it 4% Oh, I am almost certainly going to beat that by investing those dollars in real estate. So the 55k almost that I did not have to allocate to a car. Oh, well, that amount is enough for a down payment and closing costs on a cash flowing rental. That's probably going to pay me five ways with a total ROI that I expect to be multiples above the 4% interest rate, but the car's value depreciates. What about that debt on a depreciating asset? A car depreciates at the same rate whether it's bought all cash or all debt. It doesn't matter. Here is the better question, why tie up that much in a depreciating asset? 55k if I had paid all cash which I could have, I would have foregone returns and paid opportunity cost. Now, arbitraging car debt this way. That's not great debt. I don't put it in that category like real estate that pays for itself is and that is mostly because no tenant services. My personal car debt. For me, this car debt is just good debt, not great debt. Now how about some more guardrails? How can you keep yourself from going nuts and just trying to arbitrage everything. How would you know if you've gone too far? I mean, any person that's savvy with personal finance has to ask themselves a question, and that is always, what is the risk associated with this investment, or what is the risk associated with this debt, right? Because I already talked about the upsides of car debt this way. Well, the first risk is that I don't successfully arbitrage it. Rather than having the 55k sunk into the car, I have it invested elsewhere than say, it doesn't achieve a greater than 4% return. Well, the risk of that happening is small, maybe about a 10% chance. What's another big risk of leveraging car debt this way? Well, it's if you cannot make the monthly payment, which for me is about $1,050 a month, 1050 that's a comfortable payment. For me, if you can't make the payment that's called, you got yourself into an over leveraged condition. But for me, these risks are manageable. And this is applied thinking. This is clear eyed thinking, rational decision making, a level headed approach, a long term approach. It's common sense investing. Have a strategy and then invest your plan, not your emotions. Look paying off debt. That's often an emotional response, like when the debt is at a low interest rate and yes, understanding that debt is the American dream. Okay, this is still a pretty unconventional understanding, for sure, but it is pragmatism over emotions. When emotions go up, intelligence goes down. You can see that in a lot of places in your life. I can too. I think that a lot of the emotion happened to us when we were really young, perhaps age 12. And maybe you're saying, Oh, well, grandpa, he would not have arranged his finances this way. Grandpa wouldn't have leveraged all this real estate debt, and he sure wouldn't have thought that arbitraging car debt is savvy, but your grandpa was born before 1971 back when the dollar was still gold, backed if you're older now, your grandpa might have even been affected by living through the 1930s Great Depression. Our world does not work that way. Today, the dollar is no longer tethered to gold. It's just borrowed and lent into existence, and another Great Depression that's actually really unlikely. In the 1930s President Herbert Hoover refused to provide government support to prop up the economy, and sheesh today, any crisis is like immediately propped up by us printing a ton of dollars and then giving them out, just like covid stimulus checks and mortgage loan forbearance and all of that debt, debt, debt. Now I don't think that all of that is good, but you got to acknowledge that that's the world we live in today. If you're debt averse, because grandpa always said to stay out of debt, well then you know what you can take solace. Take comfort in the fact that today, ultimately, grandpa would have understood that the world changed, and he would want what is best for you.    Keith Weinhold  19:03   I'm get rich education. Host Keith Weinhold, this week, we're talking about why debt is the American dream on episode 600 with guidance that's practical, contrarian investor first and non emotional. Contrarian does not mean reckless. And by the way, just because something is mainstream, well, that doesn't necessarily make it bad, but in this case with debt, it often does. Here we're kind of back onto the old Mark Twain quote. Go out on a limb, that's where the fruit is. This is independent thinking for real world investors. It's where theory meets what actually works, and I'll discuss some specific actionable guidance for you before we're done today. But this is largely about ignoring the masses and following a clear incentive path. And what do the masses do? Now they kind of all gel together and get pumped up when they follow these debt free call in radio shows where the host advises the caller to always desperately retire debt at all costs. They'll even tell you work a second and a third job. You got to postpone vacations. They'll tell you to defer your life and go into lifestyle debt. Then in order to desperately stay out of financial debt, we're never going to get that time back. So just chill, take it easy with a lot of debt types inflation and sometimes tenants both passively pay it back for you. I mean, on these debt free call in radio shows, almost every time they give guidance, I kind of chuckle when I listen to this stuff. I sort of quietly ask myself, how would that path ever build wealth like when people are advised to retire 3% mortgage debt? Why dreadful sounding guidance like this happens is because it keeps irresponsible people from going over a cliff. That's all it serves to do. I mean, you're here listening to me because you're good with money, or you desire to be good with money and not give all your money away to creditors used intelligently. Debt isn't reckless. It's a tool, and it's one that lets you scale without trading every hour of your life for dollars. It seems to me that some of the groups of people that need to hear the debt is the American Dream message. They tend to be in a few groups. I need to be careful here, but I'm talking about groups like people with less financial education, engineers and women. It doesn't mean that people with less financial education are any less intelligent. And then when it comes to the engineering profession, you know that type of person tends to be unusually conservative, and I've worked for engineering firms in the past, so I wouldn't know this is somewhat of a paradox. Since engineers are the calculating types, you would think that they would have leverage and arbitrage figured out, and then women are a group that they tend to be more debt averse than most, and this is not a knock on women at all. In fact, women generally do a lot of things better than men do. I mean, I could go on and on there, like emotional intelligence and social awareness and relationship building and even multitasking and sticking to a plan, but I know couples where the husband does understand that it does not make a lick of financial sense to pay off the home, but he did it because the wife wants it so badly she deems that as security. But yeah, there was a time in my life where I thought that being millions of dollars in debt. Oh, that just sounded awful, like I thought that after graduating from college, but Oh, position well, with leverage in real estate, after a long time, you might get yourself where you're increasing your debt half a million bucks every year, but right alongside it, you're increasing your asset value 1 million bucks every year. Well, right there, since net worth is assets minus debt, you're increasing your net worth by a half million bucks a year because you have a big amount to leverage, because you've been a real estate investor for a long time. For example, debt made that American dream possible. But, yeah, the needling engineer type that's conventional and is like still the guy faithfully contributing to their 401 k which is locked up until their age, 59 and a half and keeps paying down debt. You know, they're the ones showing up to their engineering job in a pair of Dockers pants. I'm telling you, people that wear Dockers are not good debtors. I mean, do they still make stupid Dockers? I've got to look that up. Do those pants have pleats at the front or not? I don't even know.    Speaker 2  24:16   Levi's 100% cotton Dockers. If you're not wearing Dockers, you're just wearing pants.   Keith Weinhold  24:21   Oh jeez. And yeah, they still do make Dockers. I mean, the stereotypical needling engineer that dutifully contributes to a 401, K, he's got to have a complete dresser drawer full of stupid Dockers, no doubt.   Keith Weinhold  24:37   Hey, I can make a little fun of them, because I spent a lot of time in that world. I think it makes sense to contribute to a 401 K, by the way, but only up to the employer match amount. That way it's tax advantaged, and you're using other people's money one to one, but above that, oh, every dollar you lock inside a 401 k is $1 that can No. Longer leverage other people's money. That means no debt, no leverage, and a steep opportunity cost. Now to get a holistic picture here, we need to think through what are some reasons to pay down debt, or to pay off debt and completely retire it? Because there are some good reasons for doing that. I talked about credit cards earlier, student loan debt is also not good debt, because you must pay that debt, not somebody else, like a tenant, and now their interest rates are not as high as credit cards, but there's also no collateral with student loans. Maybe you could arbitrage it, like I did with my car, but student loan debt can't be discharged in bankruptcy. Like most other debt types, can you also want to pay off debt when an interest rate is working against you and not for you. Also, if you want to buy more property, but you need to lower your DTI in order to qualify with your mortgage loan underwriter that is lower your debt to income ratio before you take out another mortgage. Oh, well, that would be a reason, for example, to pay off a car loan. Another reason to pay off debt is if you're approaching retirement and you expect a decrease in your income, then you would want to revisit that here at GRE you might be structuring things to increase your income once you retire. That's its own discussion. They are some of the reasons to pay off debt. It makes sense sometimes, and with all those reasons, we've kept emotions out of it. But otherwise, yeah, bring on the good debt. Debt and loan are my two favorite four letter words the wealthiest people have the most debt. I've discussed that reality before on previous episodes, and I gave a lot of examples, like with Mark Zuckerberg and also with Jay Z and Beyonce, so I won't go into all that again. So therefore, let me discuss how, not only do the wealthiest people have the most debt, I mean, for example, I'm wealthier than I've ever been, and I simultaneously have the most debt that I've ever had. Not surprisingly, the wealthiest world nations have the most debt too. Let's look at it from the perspective of household debt as a percent of GDP. There are about 200 world nations, and sure enough, the US ranks pretty high 13th in this measure of household debt, the top 10 nations, counting them down from 10 to one is and look, they're all wealthy nations that have the most debt, Sweden, Denmark, Hong Kong, Norway, South Korea. Up to fifth is New Zealand. And then you've got the Netherlands at fourth, and then Canada, Australia, and number one is the nation that you probably think of as the most wealthy and stable in the entire world. It is Switzerland. They are number one in household debt per GDP, and then the poorest of the 200 world nations have the least debt and the highest interest rates and the least stable currencies. But see, the wealthy nations can borrow the most. These countries can borrow trillions because investors trust them. Their economies are productive and they can service the payments just like you see, say that I know you've got $5 million in debt. Just say that's true. All right. Well, now that's an interesting thing that I know about you, and now I can automatically deduce something else about you. I know that you must be pretty credit worthy for anyone to have even extended you that much credit. So a high debt level is a mark of creditworthiness. The richest people have the most debt and the richest nations have the most debt too. Debt is a contract with time. Here's the deeper idea, debt lets you pull future resources into today. It's financial time travel. But there is a catch. You need to deploy that capital into something that grows faster than the cost of borrowing. If you do that, you win. If you don't, then you just brought future problems into the present debt is time travel, and most people just waste the trip. That's why debt has a bad name. Debt Free surely is not the goal. But you know, even hitting a certain net worth or income mark is not an end goal. Their financial goal. But not the end. The end goal is genuinely living the best version of you. And in fact, let's listen to this together for a minute or two from the parallel truth. Are you really living? It's a little oversimplified, but this is quite a bit more substantive than civil engineers wearing Levi's 100% cotton Dockers. Don't be startled by the sound effects.   Speaker 3  30:23   If you really think working 50 years at a job you hate just to get a few years of so called Freedom makes sense, then I'm sorry to say, you have been brainwashed. This is not living. It's a trap. From the moment you're born, the system starts programming you. School doesn't teach you to think. It teaches you to obey, to sit still, follow orders and wait for permission. Then comes work, where your best years, your energy, your creativity, all get drained away to build someone else's dream. And they call that success. Retirement is the prize they dangle in front of you. Work hard now, they say, so one day you can finally rest. But by the time that day comes, your body's worn out, your fire's gone, and all those dreams you once had, they faded into routine. You traded your time for money and then your health to earn it back. And here's the cruel truth, that's not an accident. It's designed that way, a system built to keep you tired, broke and too distracted to notice what's really happening. They want you so busy surviving that you forget to actually live the scam is simple. They steal your youth when it's full of energy, passion and possibility, and then hand you back your freedom when you're too weak to use it. And the worst part, most people defend the very system that's enslaving them. They call it normal life. They laugh at anyone who questions it, because it's easier to believe the lie than to face the truth. But nothing about this is normal. It's just comfortable enough to stop you from revolting. They give you weekends, holidays and Netflix tiny doses of relief so you don't question the cage you live in. You were born to create, to explore, to build your own path, not to clock in and out until the day you die. The world doesn't need more workers. It needs more thinkers, more dreamers, more people brave enough to walk away from the illusion. So ask yourself, are you really living or just slowly dying inside a system that calls itself freedom?   Speaker 4  31:59   Yeah. Are you truly living or just existing with GRE plan, you can often retire in five to 10 years. So no debt isn't something to fear. It's something to understand. Because the difference between being stuck financially and moving forward faster than you thought possible, it often comes down to one thing, whether you avoid debt or you learn to use it, the American dream is not about being debt free. It's more about owning assets, leveraging wisely, and then letting time tenants and inflation do some of the heavy lifting for you, all of your life. Debt is the American dream, and I've got more on this for you today, coming up here on the show in future, GRE episodes, Rich Dad, Poor Dad. Author Robert Kiyosaki publicly states that he has $1.4 billion in debt, billion with a B, not because he's irresponsible, because he understands leverage and debt often entails a tax advantage with it too. Later this spring, Robert Kiyosaki returns to the show with me here. He's been one of our more recurrent guests over time. Next week, Redfin chief economist, Darrell fairweather, PhD, sits down with me here. Also a lot of other prominent guests lined up, like real estate influencer thatch Wynn will be here with me and lots of other great episodes coming up, including a lot of content that you wouldn't expect to hear that can make a real difference in your life. Be sure to follow or subscribe to the show and also tell a friend about the show today could very well be one of these paradigm shifting episodes that you want to share on social media. More straight ahead you're listening to debt is the American Dream On get rich education.    Keith Weinhold  33:50   Let me throw out a simple idea, sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns. It's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day housing, senior communities, essential properties, things tied to living and not trends, their freedom notes. Offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy, so you can ask questions and determine alignment before moving forward, while past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call. At freedom familyinvestments.com or text family to 66 866, text the word family to 66 866.    Keith Weinhold  35:12   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721 the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash, slash GRE, that's F, l, O, C, K, homes.com/gre   Tom Wheelwright  35:50   This is Rich Dad Advisor Tom wheelwright. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  36:02   You welcome back to get rich Education. I'm your host, Keith Weinhold its debt is the American dream on episode 600 now, just before taking the mic, about 30 minutes ago, I ate some raspberries. I looked at the package to see where they were grown Mexico. Someone in Mexico supplied them. There was a supply chain. Those raspberries were planted in rows with trellising grown, and then they need to be hand picked. They're highly perishable, and they need to be shipped a long way fast, therefore, I just simply had the exorbitant privilege of buying those raspberries from a lit refrigerated store shelf with my dollars. Well, effectively, a bank lent me those dollars. Most of my debt is real estate debt, where time, tenants and inflation service my debt for me. I mean, what an amazing world. I'm just here to control those flows, those flows of money between Mexican raspberry growers, for my property managers that manage my tenants and for the banks that provide the loan. I mean, gosh, debt really is the American dream. It made raspberries appear. This is a contrarian way of thinking, but it's calculated. It's unconventional, but it's first principles thinking, rather than emotions from grandpa. You know something I've said it before that. Hey, I'm proud that throughout my life I have never ridden the government dole. Once. Never have I done that. I've never accepted a subsidy, no covid stimulus checks. I've never accepted an unemployment check in my life, even though I could have been eligible one time. I'm proud of that, because otherwise taxpayers would have had to work for me and pay for me. But in a way, since so many of my mortgage loans are subsidized, I am riding the government dole to get 30 year mortgage money at a 7% interest rate, that's also tax deductible, so therefore maybe I'm paying 5% I mean, that's a really good deal, and the government backing makes banks want to provide lucrative loans to us, just like the FHA program that I personally began with on a fourplex, and Just like these first 10 Fannie, Mae, Freddie Mac backed investor loans that you can get for one to four unit properties. So although it's indirect, it's really like a government handout that we're getting. And what can we do when we can do our part in giving back by doing good in the world and providing good housing, not being slumlords. That's the path that we're on here and the future, it's always going to feel uncertain. Always, I'm encouraging you. You've got to plant the tree, you've got to take the leap. You've got to choose to believe that there is something worth building toward optimism is not about ignoring what's broken in the world. It's about deciding anyway to keep on going, and you're probably doing a lot right, working hard, earning, well, a little saving, but more investing. There's a problem that very few people talk about, labor income is taxed heavily, asset income is treated better, and then 401, K income, well, that doesn't even start arriving until you're about 60 or 70. And really, this is why a lot of high performing. Professionals eventually hit a wall. They make more money, but they don't feel much freer. The people who break out usually do one thing differently. They stop relying on one income source, and they start building income producing assets, and that's where I come in, you already know how to do things like budget and save. We all learned that quite a long time ago, and we've all heard the usual advice about maxing out your 41k waiting for years and just sort of hoping, and that might build a nest egg like that usually does turn into something, and it's better than nothing. It usually won't build outsized returns or freedom, though, and surely not while you're young enough to fully enjoy it. So get rich education is about a different path, building durable wealth through income, property, financial education and smarter leverage, certainly not day trading, certainly not get rich quick, just a proven framework for escaping overdependence on a paycheck, a generationally proven vehicle here and here you get the mindset and tactics to make generationally proven real estate a life changing investment because most people are Climbing the wrong mountain. A lot of smart professionals spend 30 years trying to save their way to freedom, but wealth usually grows faster when you own assets that produce income appreciate over time, offer tax advantages and can be financed with long term debt. That's how you get a lot of them. That is the difference between working hard and building leverage. So you can't out earn a broken wealth strategy.    Keith Weinhold  41:47   Most people earn income, but few people own income. You own the source of the income when you have rental property. A lot of smart professionals really learn that too late, Your salary alone doesn't even have the ability to make you wealthy, since wealth is freedom. So we use an abundance mentality to invest in assets that are scarce. Most people use a scarcity mentality, leading with loss aversion, to invest in something that's abundant and plentiful. So there is always opportunity out there in a market as big and as broad as the US residential real estate market. Where is that opportunity today? Well, I'll tell you that list prices rose 2% year over year to a median of 423k that's in the four week period that just ended according to Redfin. But notice I said that was the list price buyers haggled them down to about 389k that's really significant. It's really proof that sellers are willing to bend in today's markets. So therefore in most markets, I'm encouraging you to make an offer that's below the list price, as we know, available for sale property that is still scarce in a lot of the Northeast and Midwest, and supply is abundant in Texas and Florida. But here's the thing, although Florida inventory is higher now than it was pre pandemic over that six or seven year stretch, here's the new trend, and it's worthwhile to identify inflection points like this on a year over year basis. So looking at only the past one year, Florida inventory is now down 4% it's no longer going up. So it's possible that we've reached the peak of this new Florida supply. We could have hit the turning point now, and yet, builders are still buying down your mortgage rate to about 4% giving you that long term fixed rate on new builds. So I'm telling you, that's where the opportunity is now. As far as the rent side, nationally, I don't see rents going up significantly anytime soon, and that's for most everything, single family rentals all the way up to huge apartment buildings. Rent increases in the single family to fourplex space, they showed some real promise last spring, a year ago, but as we got into summer, they didn't really materialize. Now, although you get rent increases historically, it's never wise to buy and just assume that that is automatic. But I want to underscore the fact that you really should not count on a rent increase over the next year. So that's new builds.    Keith Weinhold  44:53   The other area ripe for opportunity. Here is burrs, buy, renovate, rent. Finance and repeat properties and among GRE listeners, burrs have been our most popular investment over the past two years. Yeah, Memphis, Little Rock, Birmingham and Kansas City, they are our hottest and most reliable burr markets, and we've really improved our burr operations since first helping you with those found the secret sauce, as far as helping you get the right provider that doesn't leave you hanging on the renovation, burrs are also good for you if you have fewer investment resources than what new build properties require. GRE coaching calls and our coaching program are completely free to help you with this now. Of course, our investment coaches listen to all the GRE episodes like you. They're aligned, and we have family guys that work here, like our investment coach Naresh. He has a wife and kids, and he's just the type of person that you want to see succeed in life and that you would enjoy working with over time. And we are all investors ourselves here, every one of us, so it doesn't hurt to set up a 30 minute consultation call to see if our GRE coaching program is right for you, some good, abundantly minded council for free. Our investment coaches have access to the best deals in real time. That alone is worth a connection. We're in constant communication with the top national providers in the best markets. So there might be an incentive today, like, say, a builder rate by down to 4% that didn't exist just two days ago or yesterday. So this is why investors are succeeding. They're also succeeding thanks to our recent Florida online live event. Connect with us to watch the replay and get in on these deals yourself. In fact, we have never seen so many incentives and price reductions in GRE history as we are right now. And see, here's the thing, when it comes to you making an offer below the list price, because our coaches work with other GRE listeners, they're going to know how low that seller is really going to go for you on that price. So that negotiation is some key information that you can learn. We have access to more than 200 deals nationwide, so contact our real estate investment coaches to get access and these burr properties can give you a super high ROI, because sometimes you can end up with as little as 10k or 20k of equity invested in an income producing single family rental. That's probably going to be 20k or more. And then with some of these developers that overbuilt in places like Florida, make that offer use good debt and take advantage of that interest rate in the fours. Buy low. And the reason that these new build deals provide positive income is because you buy at a lower purchase price overall, and you get a fixed rate in the fours, and you get a low property insurance rate, since they are new build properties, you don't need urgency right now so much as you need clarity, because there are opportunities, real ones, whether it's burrs in the Midwest or builder incentives in places like Florida, where you can Get those 4% rates. But the challenge isn't finding opportunity, it's knowing which one is right for you, and that's exactly what we help you do. And since our coaches are active investors themselves, they follow the same markets and the same providers and the same strategies that we talk about here on the show. So instead of guessing or going back and forth in emails, just get clear book, a quick call. It's free, it's 30 minutes, and it could save you months or years of going in the wrong direction. You can do that@greinvestmentcoach.com that's greinvestmentcoach.com the best thing you can do next is get aligned with the right opportunity. I'll chat with you in a week. I'm Keith Weinhold. Don't quit your Daydream.   Speaker 3  49:35   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 the.   Speaker 4  50:03   The preceding program was brought to you by your home for wealth, building, get richeducation.com

If your visibility strategy feels heavier than it used to… you're not imagining it. There is more content than ever, more noise, and more pressure to keep up. And yet, for many business owners, the results are not matching the effort. In Episode 485 of Amplify Your Success Podcast, I sit down with Michelle Pippin to talk about what's actually working right now and why so many traditional marketing approaches are quietly becoming effective again. Michelle brings a refreshing perspective on what happens when you step away from over-reliance on digital platforms and return to relationship-driven visibility. This is not about abandoning modern tools. It's about understanding where trust is built and how real connection translates into clients, referrals, and long-term opportunities. We talk about what it looks like to build momentum through conversations, partnerships, and proximity instead of constantly chasing attention. Michelle also shares how simplifying your approach can create more consistency and better results without requiring more output. If you've been feeling stretched thin trying to keep up with content, or questioning whether social media is the only path to growth, this conversation will give you a different way to think about visibility and where your next opportunities may come from.   Key Takeaways: [00:00] Why more content is not always the answer and how oversaturation is impacting visibility. [03:12] What "analog marketing" really means and why it is becoming relevant again. [06:45] The shift from algorithm-driven visibility to relationship-driven opportunities. [10:18] Why trust is built faster through direct connection than through content alone. [14:02] How referrals, partnerships, and conversations create more sustainable growth. [18:27] The hidden cost of relying too heavily on social media for client acquisition. [22:10] How to identify which visibility strategies actually align with your strengths. [26:54] What it looks like to simplify your marketing without losing momentum. [30:33] Why proximity to the right people often leads to the best opportunities. [35:08] How to create a visibility approach that feels more natural and effective.   About The Guest:  Michelle Pippin — a mother of three and wife of one — is the founder of Women Who WOW and creator of WOWx, the Visibility Gym for serious women entrepreneurs. Famous for her "NO EXCUSES… JUST RESULTS" approach, Michelle has built a reputation for helping experts create consistent, bankable visibility without performing for algorithms. Starting her business with just $50, she bootstrapped her way past seven figures while raising three kids and building a national movement now spanning every state and eight countries. Her strategies have been featured on Good Morning America, ABC News Now, Entrepreneur, Forbes, MoneyInc, and in her ongoing column syndicated nationally through BizJournals.com. Relentless, practical, profit-driven — and unapologetically old-school — Michelle teaches entrepreneurs to create visibility that compounds into clients, credibility, and cash. Connect With The Guest: Connect with Michelle on Facebook - https://www.facebook.com/bmpippin Follow Michelle on LinkedIn - https://www.linkedin.com/in/michellepippin/ Check out Michelle's Website For Some Great Resources - bmichellepippin.com   Resources Mentioned in This Episode: Get Michelle's Old School Playbook: https://www.bmichellepippin.com/oldschool/ FREE GUIDE & SCORECARD: Feel like the best-kept secret? My proven Un-Ignorable Expert Framework is your step-by-step guide to turning your expertise into consistent, high-value client attraction by borrowing authority-rich visibility streams.