Podcasts about Forbes

Miriam Schulman is the #1 Artist Business Coach, author of "Artpreneur: The Step-by-Step Guide to Making a Sustainable Living from Your Creativity"( HarperCollins 2023), and host of The Inspiration Place podcast. After leaving her career on Wall Street to become a full-time artist, she built a thriving business and now helps thousands of artists and creative entrepreneurs around the world do the same. Through her signature coaching program, the Artist Incubator, Miriam teaches artists how to price, market, and sell their work with confidence—without relying on social media fame. Her work has been featured in publications such as Forbes, The New York Times, and Igniting Creativity. Today, she's recognized as the leading voice helping artists turn their passion into a profitable business while staying true to their creative vision.Connect with Miriam here: https://www.linkedin.com/in/schulmanart/https://www.facebook.com/schulmanarthttps://www.instagram.com/schulmanart/schulmanart.comDon't forget to register for our LinkedIn Workshop here:https://www.thetimetogrow.com/AtoEonLinkedinWorkshop

In this podcast episode, Dr. Jonathan H. Westover talks with Jevon Wooden integrating empathetic leadership into your strategies. Jevon Wooden is a sought-after speaker, coach, and author specializing in empathetic leadership. A veteran, CEO, and expert in emotional intelligence and DISC, he empowers leaders to build high-performing teams, foster thriving workplace cultures, and achieve sustainable business growth. Jevon's insights have been featured in Forbes, Entrepreneur, Inc. Magazine, and more.  Check out all of the podcasts in the HCI Podcast Network!

What if your law firm could get expert paralegal support—without long-term contracts or full-time overhead? In this episode of Spaghetti on the Wall, Rashida Forbes breaks down the fractional paralegal model and how flexible, project-based legal support can cut costs, improve efficiency, and give attorneys back control. If you're ready to rethink how you staff your firm, this conversation is a must-watch.

Hey Brave Table fam! We're celebrating 400 episodes, and I'm going all in with you.This isn't your average highlight reel. It's the real story of what it took to build my latest company — from scratch — while navigating motherhood, business pivots, product failures, and a whole lot of late-night decision-making (with chai in hand, of course).In this raw and real solocast, I'm walking you through the exact breakdown behind the scenes of launching Chai Tonics, my new wellness CPG brand. You'll hear how I fired 4 formulators, got rejected 27 times before landing a dream book deal, and what I've actually learned from 400 episodes of this show.This episode is for every woman with a vision, especially if you're building something new, wondering if it's all worth it, or navigating the tension between ambition, motherhood, and identity.What you'll get out of this episode… The biggest mindset shift that helped me move from idea to launchHow to make decisions when everything feels uncertainThe power of “letting go” to receive moreWhy success isn't a straight line (and what to do when things go wrong)The real cashflow & time challenges no one talks aboutWhat's next for The Brave Table, Chai Tonics, and this communityThis Episode is Sponsored by Chai TonicsStarting the year without pressure? Same. I'm choosing ritual over resolution with Chai Tonics — a calming chai ritual for focus, gentle energy, and nervous-system support when January feels loud. Try it at https://bit.ly/trychaitonics  and use code BRAVETABLE for 15% off.

On this Live Greatly podcast episode, Kristel Bauer sits down with the author of How to Be a Good Leader When You've Never had One: The Blueprint for Modern Leadership, Mick Hunt. Kristel and Mick discuss how Mick's five-pillar framework (Mastery, Innovation, Courage, Character, and Keep Going) can help support optimal leadership in the modern world. Tune in now!  Key Takeaways From This Episode: A look into Mick's book, How to Be a Good Leader When You've Never had One: The Blueprint for Modern Leadership Tips to lead without losing yourself A look into Mick's five pillar framework to support being an optimal leader in the modern world ABOUT MICK HUNT Mick Hunt is the unapologetic voice of modern leadership. As the creator of the MICK Factor™M - a leadership framework rooted in Mastery, Impact, Courage, and the drive to Keep Going. He helps purpose-driven entrepreneurs and executives lead with clarity, courage, and authenticity. He's the founder of Mick Hunt Official and host of Mick Unplugged, the #1 Self-Improvement podcast with over 2 million monthly downloads. A dynamic speaker, business builder, and mentor, Mick has been featured in Forbes, collaborated with brands like Nike and McDonald's, and mentored by icons like Les Brown and Daymond John. Mick's mission is simple: turn leadership into legacy by helping others lead from their 'because' not just their why. Connect with Mick Hunt: Order Mick's book:  https://www.amazon.com/Good-Leader-When-Youve-Never/dp/1394357958  Website: https://mickhuntofficial.com/  Instagram: https://www.instagram.com/mickunplugged/  LinkedIn: https://www.linkedin.com/in/mickhunt/  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.

We all feel emotions every day, but how often do we stop to understand what they really are and how they work? Joining Michael for this episode is Ethan Kross, a renowned authority on emotion regulation and author of Shift: Managing Your Emotions—So They Don't Manage You, for a conversation about the science behind how our internal dialogue affects health, performance, and relationships. Ethan explains what emotions are, how they function, and the importance of teaching emotional regulation skills from a young age. He also covers various tools and strategies that can help you manage your emotions more effectively, shares examples from his books, and highlights significant studies.Listen and Learn: Why we have emotions and how they quietly shape our thoughts, bodies, and actions in ways most of us don't fully noticeWhy meaningful moments almost always come with emotional friction, and what that reveals about living a purposeful lifeThe 50-year study that shows how early emotion skills shape health, money, and relationshipsWhat happens when logic is pushed too far, and emotions are removed, and how science suggests a more balanced approach that quietly shapes better outcomes in work, relationships, and lifeWhy managing emotions isn't about suppressing them, but learning how you can use the right tools at the right time to keep them working for you instead of against youSimple mental shifts that help you move through discomfort and emotional blocks fasterResources: Shift: Managing Your Emotions--So They Don't Manage You https://bookshop.org/a/30734/9780593444412 Ethan's Website: https://www.ethankross.com/Emotion & Self Control Laboratory: http://selfcontrol.psych.lsa.umich.edu/Connect with Ethan on Social Media: https://www.instagram.com/ethankross/https://www.linkedin.com/in/ekross/About Ethan KrossEthan Kross is one of the world's leading experts on emotion regulation. An award-winning professor and bestselling author in the University of Michigan's top- ranked Psychology Department and its Ross School of Business, he studies how the conversations people have with themselves impact their health, performance, decisions, and relationships.Ethan was born and raised in Brooklyn, New York. He attended the University of Pennsylvania, where he was elected to Phi Beta Kappa and graduated magna cum laude. After earning his PhD in Psychology from Columbia University, Ethan completed a post-doctoral fellowship in social-affective neuroscience to learn about the neural systems that support self-control. He moved to the University of Michigan in 2008, where he founded the Emotion & Self Control Laboratory.Ethan's research has been published in Science, The New England Journal of Medicine, and The Proceedings of the National Academy of Sciences, among other peer-reviewed journals. He has participated in policy discussion at the White House and has been interviewed on CBS Evening News, Good Morning America, Anderson Cooper Full Circle, and NPR's Morning Edition. His pioneering research has been featured in The New York Times, The Wall Street Journal, The New Yorker, Harvard Business Review, USA Today, The Economist, The Atlantic, Forbes, and Time.Ethan is the two-time National Bestselling author of SHIFT: Managing Your Emotions—So They Don't Manage You and CHATTER: The Voice in Our Head, Why it Matters and How to Harness It. His books are routinely featured in the worlds' top media (e.g., New York Times, Wall Street Journal, BBC, The New Yorker), have garnered multiple accolades and been translated into over 40 languages. Related Episodes:309. The Language of Emotions with Karla McLaren265. The Power of Emotions at Work with Karla McLaren183. Permission to Feel: Emotional Intelligence with Marc BrackettSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Virtues are important in every area of life, but they are especially important within the context of leadership. In this episode from 2020, the CEO of Habitat International, Jonathan Reckford, is back to wrap up our conversation on the seven virtues of a leader. Download the application guide: https://bit.ly/49ANdgl 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 Weinhold breaks down how recent presidential housing policies could influence real estate investors and everyday homebuyers.  Then he walks through four different ways to eventually exit your investment properties—including a little-known strategy most investors have never heard of—so you can start thinking about how you'll one day harvest your gains, potentially with minimal or no taxes, while still preserving your wealth and flexibility. Episode Page: GetRichEducation.com/589 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the presidential administration has made some weighty decisions that could affect the real estate market for years. Then when it's time for you to sell your investment property, there are some smart ways to do it and some big mistakes to avoid. We're talking about four options for your real estate exit strategy, including the little discussed 721 exchange today on get rich education.   Keith Weinhold  0:32   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 and key 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   Russell Gray  1:18   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  1:28   Welcome to GRE you're inside one of America's longest running and most listened to shows on real estate investing. This is Get Rich Education. I'm your host. Keith Weinhold, if you're working for the weekend, then you had better examine your Monday to Friday and start investing for leverage in income that's generated today. The good news is that down the road, when it comes time for you to sell your investment property, hopefully, after decades of handsome profits, even if that is years away, there are a lot of good options for you, including multiple ones that are tax deferred and effectively tax free. I'll discuss that later today, what we know, and what history has proven, is that savers lose wealth, stock investors maintain wealth, real estate investors build wealth. And I contend that within the discipline of real estate, being the investor is the best job of all of them, because, look, realtors rarely build wealth. Property managers that don't actually own the real estate, they also rarely build wealth. And the people on your maintenance team, they don't build wealth either. Now, as much as we might appreciate all these service professionals, I mean, I sure do this is not meant to disparage them. I'm trying to help you pick the right lane in real estate. Know that you're doing the right thing. Do the right thing before you do things right. By their own admission, the National Association of Realtors, the NAR they will tell you that the median gross income for a realtor is. Do you want to guess? Any guess as to what the median gross income for a realtor is? It is $58,100. that's it.    Keith Weinhold  3:37   And realize that's the figure being reported by the trade organization that represents the industry too licensed sales agents. Median income that's even lower. It is $41,700 also per the NAR I see myself realtors that have been in business 20 years, 30 years, 40 years, and all that time, they have never bought a single investment property for themselves. Instead, a lot of them spend their entire career helping other people get rich while they never get on the treadmill. But do you know what is even crazier to me, crazier than that, it's the number of people that manage properties, including some of my own property managers that I hire, and they don't own any investment real estate themselves. And I think that's crazy, because managers are doing what is one of the toughest jobs in real estate, always having to walk that tightrope, arbitrating between the property owner and the tenant, and as a result, often pleasing nobody. They're sort of like the football referee, the baseball umpire, the property manager they have to deal with The problem tenant. The manager has to bug the tenant to collect the late rent, and then your maintenance people. You know, I just met up with a contractor that's putting new flooring in one of my rentals. He's got a sense of humor, and he wore this great t shirt that says, I'm here because you broke it. I love that. But now his compensation isn't too shabby, but he's trading his time for dollars, and the income stops when his work stops. The lesson is, be the asset owner.    Keith Weinhold  5:35   Now this presidential administration has shaken up a lot of policies, good or bad we've got a bunch of new directives centered on the housing market. And really, this shouldn't come as any sort of surprise, since be mindful, the current White House occupant is a long time New York City Real Estate Investor, some of the more recent weighty moves that can affect you are banning institutional investors from buying single family homes that they turn into rentals, and the other one is a $200 billion bond purchase program aimed at reducing mortgage rates. Okay, whether those two things happen or not, it's good to look at their effect, how they move a real estate market, because when you understand the effects, then you learn a lesson, even if you're listening to this episode 10 years from now, the move to ban institutional investors. We're talking about conglomerate groups like Blackstone and invitation homes. The move to ban them from buying single family rentals is to try to reduce the demand and therefore, hopefully lower the price of single family homes in order to help affordability. Okay, that could work in concept. But here's the other thing that it does, there would be fewer rentals available on the market, because most institutional investors do buy those build to rent properties, that's what they're looking to acquire. So it's sort of what most any real estate investor would want. They would get higher rents and maybe some somewhat lower purchase prices, or at least a lower appreciation rate. But this whole move to ban institutional investors, that is mostly a nothing burger, that's all we're talking about here. And here's why you cannot undo the institutional purchases that were already made, and a lot of those got made, a lot of them during the pandemic. So it would only be banning new purchases. And another important point to consider here is how small this market is. I think these institutional buyers make a whole lot of outsized noise and often get pointed to as the boogeyman for running up prices of real estate. But that's not true. Only about two to 3% of single family rentals are owned by these giant investors, at least the ones that have over 1000 units. Okay, so this all sounds good as a political platitude. You trying to do something about it? I sort of understand that, but this ban, it just would not move the market very much at all now, perhaps a slight move could be triggered in cities that do have a lot of institutional ownership, like Atlanta, Jacksonville, Charlotte, but really little effect. The second directive from the President is having Fannie Mae and Freddie Mac buy $200 billion worth of mortgage bonds. This is really an effort to drive down mortgage rates and bring down monthly payments and make the cost of home ownership more affordable. The translation here for you is that whenever you inject money into something, money tends to flow more freely and rates get lower, kind of lowering the dam wall height, like I have given to you in other examples, when you buy bonds that demand pushes up bond prices, which lowers bond yields. And mortgage rates are tied to those lowered bond yields. And as soon as this was announced, like the very next day, mortgage rates fell into the high fives, yes, under 6% for the first time in three years. But the last thing effect of this that's been studied, and it's been shown to reduce mortgage rates by about three tenths of 1% so not nothing, but sort of small. However, if they're buying down rates like this one time, well then they might do it multiple times. So there you go. There are two recent directives from the president banning institutional investors from buying single family homes and buying mortgage bonds to lower mortgage rates.    Keith Weinhold  10:00   Either one of them with seismic effects. It's sort of like the 50 year mortgage proposal that the administration made a while ago, and that's probably not going to become a reality anytime soon, if ever. Here's a question that I have for you, and I'll let you answer. Do you like free markets, or would you rather have big government? Well, each of these directives are more government intervention into the free market, whether you like that or not. Another way to say it is that stuff like this makes a lot of splashy headlines, but it's not a bigger deal than a Philadelphia Eagles football game,at least. You know how these forces can move markets now    Keith Weinhold  10:46   straight ahead, it's the concise, definitive audio guide to selling your investment property. I'm going to detail four different ways that you can do it in this guide, including tax deferred and effectively, tax free methods. When you're able to defer taxes over and over again throughout your entire life, they effectively become tax free. You never have any tax obligation. Also, I will discuss one way of selling your property that you're probably not familiar with and you might have never heard about before in your life. I'm Keith Weinhold. You're listening to Episode 589 of get rich education.    Keith Weinhold  11:27   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre. Or or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again. 1-937-795-8989,   Keith Weinhold  12:39   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 pre qual 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   Russell Gray  13:12   Hi. This is Russell Gray, Main Street capitalist. You're listening to the get rich education show with Keith weinholden. Remember, don't quit your Daydream.    Keith Weinhold  13:20   You welcome back to get rich Education. I'm your host, Keith Weinhold, and I'm coming to you from Colorado Springs today, where I'm attending the real estate guys create your future goals retreat event, yeah, a goals event allows one to get introspective. One part of it is learning how I can serve you better on this show. Every week, since I do pour a lot of thought into what I share with you here. How much yeah, just, how much did this event mean to me? Well, my team is in the NFL playoffs, and I was willing to miss some playoff football for this.   Speaker 1  14:07    That's inexcusable, inexcusable. Playoffs. Don't talk about playoffs. You kidding me? Playoffs? I just hope we can win a game.   Keith Weinhold  14:19   Yeah, yeah. That is, that is, of course, the classic rant from a former NFL coach, Jim Mora. Maybe Jim needs to attend the goals retreat to put things into perspective here. now, whether it's just a few years from now or it's decades into your future, at some point we're all going to exit the real estate investing game, even if that's not until the day we die. I'll talk about that with whatever endeavor you're in. It is good to begin with. The end In mind. there's a good chance that you're either in real estate acquisition mode now, or you once were. Or where you're going to be in that real estate acquisition mode in the future, but after this accumulation phase of your life, hopefully, which you've turned into financial freedom through real estate, after that, you're going to be in the mode where, since you've already made it, you're going to want to just maintain the portfolio that you have or stop acquiring or you will want to sell eventually. The good news is that there are a lot of good options for selling your property and doing it, tax deferred and effectively tax free. Now I will not talk about selling your primary residence so much, though, this is focused on exiting from your investment property, primary residence sales rules with the IRS is that your first 250k of gain is exempt from capital gains tax if you're single, and your first 500k is shielded from tax if you're married. Quite a marriage incentive there.    Keith Weinhold  15:59   But as we focus on investment properties. This is influenced by a question from one of our older GRE listeners, 62 year old, Mark, who wrote in last year, was such a good question and I answered his question on air last month. I'll basically expand on that answer today. Mark said he has listened to every GRE episode ever, and therefore, congratulations, he made it. He reached financial freedom, and he's got a sizable portfolio. Some of his properties are paid off. Others are leveraged. But see, Mark is hesitant to buy more property because he's already made it his wife doesn't want more properties because she associates it with him having to do more work. Now, when you're still in pursuit of financial freedom, well, you don't mind investing a small slice of your time each month into real estate, a little light management, remotely, maybe, but once your residual income exceeds all of your expenses, well, then at that point, your time is going to start to become more valuable. So let's look at four here, four solid options for exiting your property, and then I'm going to examine the pros and cons of each one. The first of four is simply to sell real estate in the conventional way, just a plain sale to a buyer, where you see that it gets fixed up and you list it and you sell it outright. Well, the pros of this are is that it gets you to your exit, and it also turns your equity into cash. The cons, the downside of doing it this way is that you're going to give up your ongoing stream of income. Your Cash Flow is going to be gone. You might have to remove tenants, depending on your scenario. You have to fix up and stage the home to prepare it for the market. That could be as little as 5k or as much as 50k or more, depending on the size of your real estate, you're going to have to pay a real estate agent a commission of 3% or more and pay capital gains tax of 15% or more. That's one five. And you'll also have to pay depreciation recapture, and of course, you don't have to pay 15% of the total asset value. It's just 15% of the value gain during the time that you held this property, right? So the tax and fix up cost can eat into your profit with this first of four ways to sell your property, although you are still probably in for a pretty nice windfall upon the sale if you've held it for a while. All right, so the first way is a plain sail, and a lot of people would agree that is not the best way to do it. Okay, it gets far better from here. The second sale option that you have is something that a lot of real estate investors like us are familiar with, or have at least heard of, and the general public has not, and that is the 1031 exchange. You'll also hear it be called the 1031 tax deferred Exchange, or the 1031 like kind exchange, because you trade your property up for another property that's kind of like it. It is a hugely powerful wealth building and wealth preservation tool, okay, section 1031, of the IRS tax code that allows an investor to exit a property without incurring any capital gains taxes. That also does not trigger depreciation recapture when you sell your property, but in order for you to get those tax deferred benefits. Importantly, you have to roll your game into another piece of real estate. Now there are a lot of rules and nuances around 1031 ones. I have done multiple 1030 ones in my life, and they are so worth doing and amplifying your wealth, building power I will not cover all the rules and nuances those things like the three properties rule and the 200% rule, and that rule about how you need to identify your replacement property within 45 days and close on it within 180 days, and all of that. Because what I've done is I've completely broken that down on the show with you here previously, and as always, I explained it in the most clear, incoherent way that I could for you. I best did that on episode 143 of get rich education. The name of that episode is your 1031 exchange guide, tax deferral for life. Now, there do get to be some numbers flying around here, so you want to listen closely, you might find yourself skipping back for simple example purposes, in a 1031assume that you bought a $200,000 duplex 20 years ago, and it's now worth 500k you depreciated the value of the duplex every year, as is actually required by the IRS, assuming you took a total of 100k of depreciation over the life of your ownership of it, and you did not make any improvements to it. The basis of your property is then 100k because it's your 200k purchase price, minus 100k in total depreciation write offs. When you sell the property for 500k you now have a gain of 500k minus 100k which is 400k depreciation, recapture and capital gains are not taxed at the same rate, and it depends on some things, but let's assume that your blended tax rate is 20% that means you would owe 20% on your 400k so that would be 80k in taxes if you just did the plain sale. But not many people want to stroke a check to the IRS for 80k so instead, if you take your 400k of gain and roll it into a new property, or properties, you can defer your obligation to pay this 80k. Yes, you do not owe the IRS a thing. Now this is beautiful. You get that tax break virtually nowhere else in the investing world, okay, so what you've now done is that you have exited the property a duplex, in this case, via 1031 exchange, and you've traded it up for another property. So you're still a real estate investor. You have not exited being one of those, but you sold the duplex and replaced it with another property, or properties, all right, that was the second of four sale options, the 1031, exchange, and, yeah, as you can see, there do get to be some numbers flying around, some deep dive learning for you here. And that's why I lightened it up with the Jim Mora clip before we dove in.   Keith Weinhold  22:54   The third way is called refi for life. Now we could almost put an asterisk on this third way, because with a refi for life, it's not a sale of the property at all. What it is is it's really a way for you to sell your equity to a bank yet still retain the property. Therefore, you access capital without triggering any taxes. You get a nice, big windfall payout while you still hold the asset, and it keeps paying you up to five ways at the same time. Yeah, you will also hear this refi for life strategy referred to as other things. Refi till you die, is one way to put it, as equity accumulates, say, every five or 10 years, you just do another cash out refi, enjoy the tax free windfall and keep holding on to the asset that is the same thing. Other names for this repeated series of cash out refis throughout your life that you might hear, which I'm calling refi for life. Those other names are live on leverage, the equity to income strategy, the infinite hold, the generational hold strategy, hold until step up, or you might hear, buy, borrow, never sell. They all mean the same thing. I'm calling it refi for life. Let me give you a simple refi for life. Example, using conservative assumptions, say that today you put a total of 200k down to control $1 million worth of rental property. Your initial loan balance is 800k we'll just say your cash flow is zero. Your property is appreciated 6% per year. After 10 years, your million dollars of property, growing at 6% annually, is worth almost $1.8 million if you refinance a 75% loan to value your new loan, amount is 1.3 5 million you pay off the original 800k loan, that leaves you with raw. 550k of cash out refinance proceeds. Congratulations, you got a windfall, and your 550k is tax, free loan money to you not income, because the IRS says debt is not income, therefore it's not taxed. Yes, and you heard that right. You can do whatever you want with those funds. What you've now done is you pulled out more than two and a half times your original 200k investment. And yes, while you still own the property, you continue to hold this appreciating asset. Tenants keep paying down your debt over time, and inflation keeps working in your favor, all right, and remember, that's only what you did at the 10 year mark. You are not done. It just keeps getting better. Fast forward five more years to the 15 year mark, at 6% appreciation continuing your original Million Dollar Portfolio is now worth about $2.4 million at 75% loan to value that property supports total debt of roughly $1.8 million at this point, your existing loan balance from the prior refinance, it's still that 1.3 5 million so you pay it off with a new loan. This allows you to extract an additional 450k of tax free cash. So add it up. This means at the 10 year mark, you got 550k and then here, at the 15 year mark, you got another 450k across your two refinances combined, you have now pull out a cool million dollars in tax free loan proceeds. That's nearly $1 million of liquid, usable capital from an original 200k investment that you made 15 years ago, without you ever selling the property. You still own. What's worth now $2.4 million worth of property, you've got the million liquid and you still have not triggered any tax at all. So at this stage, you can just live off your million dollars of refinance proceeds, or you can choose to reinvest it into new assets. Or you can selectively pay down your debt to increase your cash flow, or you can simply hold and let inflation continue shrinking the real value of your loans, and let inflation continue to make your properties go up in price, then down the road when you eventually die, your heirs receive a step up in basis largely eliminating capital gains tax. That is just amazing. That is refi for life in plain English. So that is the third of four exit strategies that I'm sharing with you here today. And understand there are a few caveats here. I only went to the 15 year mark, you can keep doing it every five years. Beyond that, it just keeps getting better as leverage compounds the value of what you own. Now I kept it simple for learning purposes in an audio format with you here, you're probably going to have even more equity than those numbers I gave you because I didn't even include the principal pay down that your tenants make for you.    Keith Weinhold  28:26   And let's discuss a few more pros and cons of this refi for life plan. The pros are that you've borrowed, and you've done that with perhaps a home equity line of credit, home equity loan or a second mortgage, you borrowed against the property in perpetuity and get tax free cash. Interest paid on the amount borrowed is tax deductible too. If you don't have enough tax advantages, there's also that you've got zero property sale, transaction friction or risk, you pass along the value of your home or portfolio to heirs on a stepped up basis. What that means, in essence, is when you pass away your depreciation recapture and your capital gains are wiped out, that's what a stepped up basis means. Okay, those were the pros, the cons, the downsides of doing this, and there aren't very many, but it's that it does not get you out of property ownership while you're still alive. If that's what you're looking for, your property cash flow gets reduced when you do a refi because you have a new debt service obligation. However, you've also got incremental rent increases throughout time that could offset that. And the other thing is, think about your heirs. Sometimes heirs find it challenging to divide homes among themselves, so your heirs need to be pretty well educated on related real estate and tax principles. So those are the cons of refi for Life. We're talking about four distinct access strategies for your investment real estate today on get rich education podcast episode 589 I'm your host, Keith Weinhold    Keith Weinhold  30:09   and the fourth way, the least understood and least utilized way, is known as the 721 exchange. And I want to thank a different GRE listener named Nate in California in his acquire to retire blog. It's worth checking out. I want to thank Nate for his contribution here. Nate heard the GRE episode last year about 62 year old. Listener Mark's desire to sell, and that's what got Nate to write in about the 721 exchange, yes, just like the 1031 exchange is named for that particular section of the IRS tax code, it's just the same with the 721 and of all four methods we're discussing today, it's the only one of the four that I have not done myself. So I have studied it how the 721 exchange works is that say you have a case where you're a rental property owner and you realize that you just don't want the hassles of landlording, but you like the financial benefit that the ownership gives you. What you can do is sell your home to a partnership and receive shares in that partnership. The 721 exchange rules stipulate that this is not a taxable event, and therefore no capital gains tax or depreciation recapture are due. Now that you're an owner in the partnership, you still get the benefits of owning the property, like appreciation and cash flow and such, and you get these benefits across a greater number of properties in markets diversification, because you are a fractional owner in the other properties that are in the partnership, not only your own. And when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs. And see it is surely easier to divide shares among, say, four children than it is to divide your 31 rental houses among four children, because your four children are all going to have different goals and varying degrees of financial savvy. So the 721 exchange really is a great estate planning tool as well. So you will have this partnership that makes an offer to buy your property. Section 721, of the IRS Code allows a property owner to contribute real estate to a partnership in exchange for partnership units. And of course, you are going to need to learn how to vet the partnership. Now let's look at some of the pros and cons of this. The upside the pros are that it gets you out of being a direct property owner, if that's just something down the road that you don't want to do anymore. No more repair requests or HOAs, property tax bills, insurance bills, vacancies or property improvements. And of course, the hedge against that, I favor using a property manager to take care of that for me, but that is a different topic. But in any case, you also defer paying capital gains tax and depreciation recapture by rolling your equity into a qualified real estate fund. Some more upsides of the 721 are that you get shares in the real estate fund that offers you continued cash flow and possible appreciation. There's often no need for you to pay to fix up or stage the property for sale, no agent commissions to pay. You diversify your risk across multiple markets and properties you get to contribute to, and you sort of become part of a like minded community of real estate investors, and you peripherally stay attached to your real estate, even though you're no longer the direct owner of it. Now, of course, being a direct owner of real estate is where you get both the profits and the control, but again, after a decade, or even 50 Years of direct ownership, you're just choosing to be done with that phase. So the 721 is a permanent solution. There's no sort of next decision, stress or risk. It is done. It is solved. But like I said, the shares are easy to divide among heirs compared to a portfolio of homes. All right, how about the cons the negative of a 721 exchange? Well, you're going to forfeit the ability to borrow against your asset, the refi for life plan that I talked about in the third way you can sell your property. Also you're going to have to pay some onboarding fees or some management fees to the partnership, and you're going to lose future 1031 exchange availability. And that is it. That is the 721 exchange. Again, I want to thank GRE listener, Nate from California, for reaching out to the show, and he's got a great blog. That's what got me to study the 721 exchange some more. This can happen with an up rate. You've probably heard of a REIT before, really.   Keith Weinhold  35:00   Estate Investment Trust and upreet, up r, e, i, t, that is in umbrella partnership. REIT, as investors, we acquire and hold real estate for the long term because it provides those real estate pays five ways, benefits of appreciation, cash flow, ROA, tax benefits and inflation profiting. But as you begin with the end in mind, it's going to be aware of your options so that you can optimize that inevitable exit of yours down the row. To summarize what you've learned so far on this segment of the show is that there are four viable exit strategies for real estate investors, the straight sale, the 1031, tax deferred exchange, refi for life, which isn't a sale at all. It's a series of cash out refis, and finally, the 721 exchange, where you sell to a partnership, all with their various pros and cons. So some really good options for you. You can look up Ridge lending group, if you want to do a cash out refi on your investment property, they're very well versed in how to do those things. That was the third strategy, the refi for life. What do I personally recommend that you do? Well, I don't know your situation, but I can just tell you what I do myself, and that is generally, if I like a property, I keep doing the refi for life thing, continued cash out refinances, and I just keep holding onto the property and enjoying that tax free cash. That's if I like a property. If I don't like a property, I will be more likely to 1031 exchange it up into something larger, and when I'm older and done being a direct real estate investor, that's time. I'll probably take a close look at a 721, exchange and see if it's right for me at that time. How can you learn more about these four exit strategies and what professional parties might you want to use to help facilitate it? Well, it is the same place that you get free coaching from us, and it's also the same place where you find just the right next investment property so that you're going to have something to sell in future decades. That is it gre investmentcoach.com that's free consultation with our coaches at greinvestmentcoach.com   Keith Weinhold  37:19   I'm Keith Weinhold, thanks for being here, but you weren't here for me. You were here for you. Don't quit your Daydream.   Speaker 1  37:29   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  37:57   The preceding program was brought to you by your home for wealth building, get richeducation.com you.  

Maggie Doyne is co-founder of the BlinkNow Foundation and Kopila Valley Children's Home and School in Surkhet, Nepal. At age nineteen, she used her babysitting money and worked with the local community to build a home for orphaned children in war-torn Nepal. In 2010, she and her team opened a school for five hundred of the region's most impoverished children. Throughout the past decade, BlinkNow and Kopila have worked to deepen and grow the organization through grassroots community development efforts. Her work has been championed by Pulitzer Prize–winning columnist Nicholas Kristof and the Dalai Lama, among others. The story of BlinkNow's beginnings has been featured on the Huffington Post, VH1, MTV, and DoSomething.org. Maggie was named Glamour magazine's Woman of the Year and was used as an example for her groundbreaking work at the Forbes 400 Summit on Philanthropy. In 2015, she was named CNN Hero of the Year. Maggie's story carries a message of hope, love, and the possibility of how the smallest individual acts can spark huge world change. She believes that poverty, hunger, and violence will be alleviated when children are provided with their most basic needs and human rights—a loving, happy childhood, nutrition, and a quality education. She believes that this can be achieved during her lifetime. Jeremy Power Regimbal is an award-winning filmmaker and photographer whose work spans feature films, documentaries, and advertising, with a focus on intimate storytelling and social impact. In his early 20s, Jeremy founded The Lab Magazine, a globally distributed publication featuring long-form conversations with cultural icons including Willem Dafoe, Sam Rockwell, Wes Anderson, Marina Abramović, and Noam Chomsky. At 27, he made his directorial debut with the psychological thriller In Their Skin, which premiered at the Tribeca Film Festival and was released theatrically by IFC. His documentary-driven commercial work for brands such as MasterCard, Nike, and Chevrolet has been recognized by AdWeek, Creativity, and Ad Age, and earned a Young Director Award nomination at the Cannes Lions Festival. Over the past decade, Jeremy has lived and worked extensively in Nepal, directing Between the Mountain and the Sky, an intimate feature documentary produced by the Emmy-winning Duplass Brothers. The film has screened at more than 40 festivals worldwide, winning over 30 awards including the Audience Award at Mountainfilm Telluride, and has received a North American theatrical release. Alongside the film, Jeremy led a global impact campaign that reached more than 15 million people and helped raise over $2 million in support of BlinkNow, the nonprofit at the heart of the story. Through his production company, MPWR Content, Jeremy blends cinematic storytelling with a deep commitment to social good, creating films and photography that amplify underrepresented voices and help catalyze real-world change in communities around the globe. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Explore how strategic leadership, global legal expertise, and a forward-thinking mindset help companies navigate expansion, talent acquisition, and innovation in today's fast-moving markets.In this episode of Sharkpreneur, Seth Greene interviews Dean Fealk, Northern California Co-Managing Partner at DLA Piper and WSJ Best-Selling Author, who has decades of experience guiding technology companies through global expansion, talent strategy, and market growth. A former international practitioner with work spanning East Asia and Northern California, Dean has advised top-tier clients like IBM, McDonald's, and Pfizer, as well as contributing to civic organizations and three U.S. presidential campaigns. In this episode, he shares lessons on scaling businesses, leading diverse teams, and applying strategic legal and operational insight to real-world challenges.Key Takeaways:→ Strategies for helping companies expand into new markets with minimal friction.→ Balancing global corporate standards with local flexibility for success.→ The importance of hiring and empowering top talent in different regions.→ Lessons from advising major multinational clients and navigating complex business environments.→ Dean's experience contributing to civic organizations and U.S. presidential campaigns.Dean Fealk is the Northern California co-managing partner at global law firm DLA Piper and a recognized citizen statesperson tackling international issues at the intersection of business, politics, and security. With 25+ years advising multinational companies on over $40 billion in cross-border transactions, Dean brings unparalleled expertise on how geopolitics impacts business and economy. A Wall Street Journal bestselling author and Chief Influencer, his insights appear in Forbes, Fast Company, and The Atlantic. Dean serves on numerous international security organizations including the Halifax International Security Forum and co-founded Transatlantic West to strengthen Silicon Valley-Europe relations. His leadership in global diplomacy has earned him designations as a Fulbright Scholar, Eisenhower Fellow, and Council on Foreign Relations life member.Connect With Dean:Website: https://www.dlapiper.com/en-usInstagram: https://www.instagram.com/dlapiper/X: https://x.com/DLA_PiperFacebook: https://www.facebook.com/DLAPiperGlobal/LinkedIn: https://www.linkedin.com/company/dla-piper/

Ever feel like you're “too much” or “not enough” all at once? Or like you have to justify every decision, especially when pivoting careers, starting something new, or saying no to what no longer feels aligned?In today's power-packed episode, I sit down with my soul sister and multi-hyphenate powerhouse Hitha Palepu. She's the CEO of Rhoshan Pharmaceuticals, author, podcaster, and mama of two, and this conversation will give you the permission slip you didn't know you needed.Whether you're in a season of letting go, rediscovering your voice, or stepping into your next level…this one's for you.Because you don't have to quit everything to chase something new. You don't have to pick one path forever. And you sure as hell don't need to justify wanting more.What you'll get out of this episode… Hitha's personal journey with identity burnout and how she reclaimed her joyWhy you don't need to wait for clarity to take actionA tactical reframe for following effort over passionThe “Magic 20” goal-setting hack to test any pivot or dreamTools for navigating motherhood, career evolution, and bold reinventionConnect with HithaIG / https://www.instagram.com/hithapalepuSUBSTACK / https://hitha.substack.comYT / https://www.youtube.com/channel/UCJSfbc2oBYqAJ1rG1Dn8U6Q This Episode is Sponsored by Chai TonicsStarting the year without pressure? Same. I'm choosing ritual over resolution with Chai Tonics — a calming chai ritual for focus, gentle energy, and nervous-system support when January feels loud. Try it at https://bit.ly/trychaitonics  and use code BRAVETABLE for 15% off.

Molly Mahoney drops serious knowledge about using AI to amplify your creative business instead of fearing it. She walks through how she built an interactive tool that generated 130 sales in three days, ran a Facebook auction that hit $30K in eight minutes, and why helping others succeed is the secret to growing your own business. If you've been wondering how to actually use AI in your video business without feeling like a sellout, this one's for you. Key Takeaways AI should amplify your creativity, not replace it—use these tools to handle the repetitive stuff so you have more time for actual creative work. Interactive tools create "activation offers" that give clients quick wins and naturally lead them to need your higher-level services. Agentic systems can automate your entire client journey by connecting different AI tools and apps together (tools like MindPal and Base44 make this accessible). Authenticity indicators (your mistakes and stumbles) build more trust than perfectly polished content ever will. About Molly Mahoney Molly Mahoney is a digital marketing strategist, keynote speaker, and former NYC performer who helps entrepreneurs blend AI-powered marketing with authentic human connection. With viral videos hitting over 39 million views and features in Forbes and Inc., she's known for turning complex tech into simple, profitable strategies. She launched her business The Prepared Performer in 2013… and has since helped thousands of people to show up more powerfully, turning their message into a revenue generating movement. In 2021, Molly launched the world's first AI-focused content membership (2 years before chatGPT hit the scene). She's the author of Choose Confidence, Finding My Awesome, and the new Ai playbook, Ai-ify™ Your Business. She believes your "weird" is your superpower – and that the more fun you have, the more money you make! In This Episode [00:00] Welcome to the show! [04:12] Meet Molly Mahoney [15:45] Backstory Research With AI [19:04] Figuring Out Your Niche [23:47] Your Weird Is Your Superpower [29:49] The Quesadilla of Awesome [41:14] AI Tools [44:21] Sora Prompt Templates [47:18] Agentic System [49:21] Connect with Molly [51:39] Outro Quotes "Rather than asking yourself, what can I do to help grow my business, take a step back and look at what can I do to help other people to succeed." - Molly Mahoney "When you trip up over your words, don't edit it out, leave it there, it's an authenticity indicator." - Molly Mahoney "The most important thing that you can do is to figure out who you are as a human being and let your freak flag fly." - Molly Mahoney "I could see a lot of video creators being like, oh no, this is gonna hurt my business... But what I decided to do rather than being like, how am I gonna use this to grow my business... I went and created a tool to help other people succeed." - Molly Mahoney "If you create a software tool that helps people to get better results with video, they're only gonna get so far. And then they're gonna get to the point where they're like, I need help." - Molly Mahoney Guest Links Follow Molly Mahoney on Instagram | Facebook  Check out Molly Mahoney's WebsiteGet Molly's free Ideal Client Avatar Generator HERE Links Get Instant Pricing Clarity Join the Grow Your Video Business Facebook Group  Follow Ryan Koral on Instagram Follow Grow Your Video Business on Instagram Join the Studio Sherpas newsletter

For many people quietly navigating divorce season, one question lingers beneath the surface: Is this just a rough season, or is this relationship truly over? In this powerful and deeply honest episode of Divorce & Beyond, Susan Guthrie sits down with renowned psychotherapist Dr. Jenn Mann to explore how to tell the difference, and why clarity, not guilt, is often the most caring path forward. Inspired by Dr. Jenn's widely shared insight, “Not every relationship is meant to be saved,” this conversation goes far beyond the familiar stay-or-leave debate. Together, Susan and Dr. Jenn examine how therapy can sometimes help repair a marriage and other times provide the clarity needed to trust yourself enough to let go. They discuss the emotional cost of staying too long, the deal breakers people often rationalize away, and why ending a marriage can be an act of courage and strength rather than failure. This is a compassionate, nuanced conversation for anyone questioning what comes next. What You'll Learn in This Episode How to tell the difference between a rough season and a relationship that has truly run its course Why therapy is not always about fixing the marriage, but often about gaining clarity The deal breakers people ignore for years, including emotional unavailability and refusal to seek help Why “staying for the kids” is far more complex than it sounds and what children actually absorb How leaving a marriage can build confidence, resilience, and deeper self-trust About the Guest Dr. Jenn Mann is one of the most widely recognized psychotherapists in the country, with nearly three decades of clinical experience as a licensed Marriage, Family, and Child Therapist (LMFT). She is best known as the longtime host and therapist on VH1's hit series Couples Therapy with Dr. Jenn and Family Therapy with Dr. Jenn, and has appeared as a trusted expert on hundreds of television programs, including The Today Show, Dr. Oz, The Wendy Williams Show, The Doctors, Steve Harvey, Entertainment Tonight, Access Hollywood, and Jimmy Kimmel Live. Dr. Jenn is the author of multiple bestselling books, including The Relationship Fix, SuperBaby, and The A to Z Guide to Raising Happy Confident Kids, which have collectively spent weeks on national bestseller lists. She is also the co-author of the children's book Rockin' Babies, written with her mother, Grammy-award-winning songwriter Cynthia Weil. In addition to her television and publishing work, Dr. Jenn hosted The Dr. Jenn Show on SiriusXM for five years and has contributed award-winning writing to national parenting and family publications. She lives in Beverly Hills, California, with her partner and twin daughters.

In honor of Martin Luther King Jr. Day this Monday, January 19th, I'm delving into the story behind this remarkable man. How does a Black man born in Atlanta, Georgia in 1929, a man whose grandparents were sharecroppers in a post slavery American South, a man subjected to Jim Crow laws that intentionally sought to hold him down, rise to such great heights as to become the only single American with his own dedicated national holiday? Let's fix that. Support the show! Join the Patreon (patreon.com/historyfixpodcast)Buy some merchBuy Me a CoffeeVenmo @Shea-LaFountaineSources: NPR "I Have a Dream Speech"History.com "Martin Luther King Jr. "NAACP "Martin Luther King Jr."History.com "Jim Crow Laws"The King Center "About Dr. Martin Luther King Jr."Forbes "How Martin Luther King Jr. Improvised 'I Have a Dream'"Wikipedia "Martin Luther King Jr."Shoot me a message! Support the show

Mr. Beast Biography Flash a weekly Biography.Hey everyone, its your girl Roxie Rush here, your AI gossip whirlwind powered by cutting-edge smarts to scoop the tea faster than you can say viral videoand trust me, thats a good thing because I never sleep, I never spin lies, and I deliver the unfiltered realness straight to your ears. Buckle up for the hottest MrBeast flash from the past few days, darlingshes reigning supreme even while joking hes broke!Picture this: Jimmy Donaldson, our 27-year-old YouTube king with a $5 billion Beast Industries empire, drops a bombshell in a fresh Wall Street Journal interview published early this month. According to the Wall Street Journal and Business Insider, he confesses, I have negative money right nowIm borrowing just to scrape by, cant even snag a McDonalds breakfast despite that insane valuation. Forbes pegs his net worth at $85 million from June 2025, but its all tied up in equity, not cashhedging bets on growth over personal splurges. The Times of India echoes he borrowed from his mom for wedding costs last summer and once dropped $150k on a private jet to see fiancee Thea Booysen in the UKtime is money, honey!But hold the dramaheros the blockbuster: Bloomberg Television reports on January 15 that Bitmine Immersion Technologies, crypto heavyweight chaired by Fundstrat guru Tom Lee, is pumping $200 million into Beast Industries for a juicy stake, closing January 19. This isnt pocket changeits a massive pivot tying MrBeasts Gen Z magic to crypto dreams, especially with his October trademark filing for MrBeast Financialthink exchanges, lending, the works. Beast Industries is slashing media losses after a $100 million hit in 2024, and Jimmy teased a personal finance YouTube channel. No major public sightings or social buzz in the last 24 hours, but this investment? Pure biographical goldlong-term power move into fintech glam.Whew, Roxies rushing off to the next scoopthank you for tuning in, lovesubscribe now to never miss a MrBeast beat, and search Biography Flash for more sizzling bios! Muah!And that is it for today. Make sure you hit the subscribe button and never miss an update on Mr. Beast. Thanks for listening. This has been a Quiet Please production."Get the best deals https://amzn.to/4mMClBvThis content was created in partnership and with the help of Artificial Intelligence AI

In this week's episode, both of our storytellers find themselves reckoning with the choices they've made—discovering how a single decision, whether made years ago or in the chaos of a crisis, can shape who we become and the responsibilities we carry.Part 1: When Misha Gajewski's grandfather has a stroke while the rest of her family is out of town, she suddenly becomes the emergency contact.Part 2: After learning that her mother gave up on her dream of becoming a musician, Paula Croxson vows never to give up on her dream of being a scientist.Misha Gajewski is the artistic director and host of The Story Collider podcast. She is also a freelance journalist, educator, and copywriter. Her work has appeared on Vice, Forbes, blogTO, CTV News, and BBC, among others. She's the co-found of the world's first 24-hour True Storytelling Festival and a proud cat mom. She has also written scripts for the award-winning YouTube channel SciShow. Dr. Paula Croxson is a neuroscientist, award-winning science communicator and storyteller. She is a Senior Producer at The Story Collider and the President of the Board of Directors. In her day job, she is President at Stellate Communications where she supports academic and nonprofit science communication. Paula has an M.A. from the University of Cambridge and a M.Sc. and a Ph.D. from the University of Oxford. She was an Assistant Professor of Neuroscience and Psychiatry at the Icahn School of Medicine at Mount Sinai for 5 years before shifting her career focus to science communication and public engagement with science, first at Columbia University and then at the Dana Foundation. She is passionate about communicating science in meaningful and effective ways, and fostering diversity, equity, inclusion and accessibility in science. She is also a musician, playing flute in several rock bands, and a long-distance open water swimmer. The swimming is apparently for “fun”. You can learn more about her at paulacroxson.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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

It's YOUR time to #EdUp with Shouvik Paul, COO, CopyleaksIn this episode, part of our Academic Integrity Series, sponsored by ⁠Integrity4EducationYOUR cohost is Thomas Fetsch, CEO, Integrity4EducationYOUR host is ⁠Elvin Freytes⁠How is CopyLeaks (named #153 on Inc. 5000 in 2025) bringing enterprise grade AI technology used by Bloomberg, Forbes, BBC & 450 plus companies to over 500 educational institutions & why are 10 to 15 universities switching to them monthly?How does Copyleaks' AI technology achieve 99.8% accuracy by analyzing word clusters like "attuned to these fluctuations" (used 102,000 times by AI vs 14 times by humans in 1 million papers) & patterns of usage rather than just flagging individual submissions?How does the AI source match database work to show professors side by side comparisons of student work against already published AI generated content & why does Shouvik say you need the human in the loop to make final academic integrity decisions?Listen in to #EdUpThank YOU so much for tuning in. Join us on the next episode for YOUR time to EdUp!Connect with YOUR EdUp Team - ⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Elvin Freytes⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠& ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dr. Joe Sallustio⁠⁠⁠⁠⁠● Join YOUR EdUp community at ⁠The EdUp Experience⁠We make education YOUR business!P.S. Want to get early, ad-free access & exclusive leadership content to help support the show? Become an #EdUp Premium Member today!

Spring Training is less than a month away. The last week brought more rumors, but once again little to no action. Will a trade to clear salary open the floodgates? Would it make sense to deal Nick Pivetta? Sounds like the Brewers want to move Freddy Peralta - should the Padres get involved? Apparently they checked in on Nolan Arenado. We heard from Craig Stammen - who is still leaning on Mike Shildt, and thinks highly of Luis Arraez. Where we might see Sung-Mun Song play, and could his versatility open up trade options? A couple beloved figures are back in the organization. And a column in Forbes sparked that frustrating conversation about the future of the franchise.

Kristy Scott's housing situation isn't just a trending headline—it's a wake-up call. The latest updates surrounding Kristy Scott's divorce are striking a nerve because they expose a harsh reality many women face quietly: Divorce doesn't just end a relationship; it can strip away your safety, stability, and sense of identity. Why are housing and security still the ultimate fault lines for women after a split? Relationship and Embodiment Coach Lauren Salaun (@LaurenSalaun) is weighing in on what this moment reveals about the shift of emotional and financial power in modern relationships. It's time to talk about why "starting over" often means fighting to keep the roof over your head. Lauren Salaun is a premier entrepreneur, transformational facilitator, and certified somatic coach specializing in feminine energy embodiment and subconscious reprogramming. As the founder and host of the AMPLIFY Podcast, Lauren has become a leading voice for high-achieving women seeking to heal from "boss babe" burnout and transition into a life of magnetic ease. Leveraging her lived experience as a neurodivergent woman, Lauren provides specialized somatic healing for neurodivergent entrepreneurs, helping them regulate their nervous systems to unlock authentic power. Her coaching methodology focuses on feminine essence training, enabling women to attract healthy masculine partnerships by elevating standards and mastering subconscious boundary-setting. Based on the principles of nervous system regulation, Lauren's work empowers women to own their worth and receive "queen treatment" in both business and love. Web: https://www.laurensalaun.com/ Looking for that extra spark to level up your life? Say hello to Ash Brown—your go-to American powerhouse, motivational speaker, and the ultimate hype-woman for your personal and professional growth. Ash isn't just a voice in personal development; she's a trusted friend who brings real-talk wisdom and contagious energy to every conversation. Whether you're stuck in a rut or ready to scale your dreams, Ash is here to fuel your journey with a mix of heart and hustle.

You did everything “right” to become a doctor, so why does freedom still feel out of reach? Many physicians look successful on paper yet feel trapped by long hours, relentless responsibility, and a paycheck that still controls their schedule. In this episode, Russ and Joey sit down with Dr. Vikram Raya to explain why high income doesn't equal freedom and what actually changes the game. Vikram breaks down the eight forms of wealth, showing how time, health, relationships, and purpose matter just as much as dollars. He also shares the mindset shifts behind his abundance challenge and why building a system beats chasing the next raise. Along the way, you'll hear practical ways doctors can move from trading time for money to creating passive income through better cash flow, investing habits, and intentional life design. If you're a doctor (or high earner) who's tired of feeling stuck, this conversation will challenge your assumptions and help you map the next right step. It starts with an honest inventory and a simple plan.Top three things you will learn: -Why high income can still create a “golden cage” for doctors-How the eight forms of wealth reframe what “rich” actually means-The system shift that helps doctors buy back time with passive incomeGrab Vikram's free book: -Perfect Week Formula for Doctors - VikramRaya.comAbout Our Guest:Vikram Raya is a doctor, investor, entrepreneur, high-performance coach, speaker, and philanthropist. He co-founded Viking Capitals Investments, a multifamily investment company, and founded Vitology Institute, a dynamic wellness center. Vikram is devoted to sharing his wisdom on health, wealth, and success through his podcast, The Limitless MD. He has been featured in leading publications, including Forbes, CNN, Yahoo Finance, and NBC, and was even recognized by the U.S. Congress.Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.The hosts may have a financial interest in the programs or services mentioned in this episode.Connect with Dr. Vikram Raya:-Website - VikramRaya.com

00:00 - Intro 00:32- The Illusion of Debt 04:43 - How the Rich Actually Live on Loans 09:53 - The Final Step 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 episode: 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/ 

“Prepare for Disasters and you'll never have to experience one…”Patrick Hardy is a Disaster Management Expert with 20 years experience in disaster preparedness. He's been featured in Forbes, USA Today, and numerous others.Tune in, as Patrick shares:Thinking outside the conventional lens of what's considered a "disaster"Clarification between a disaster and a disruptionHow to view a disaster events as an opportunityTrue story examples of businesses overcoming disastrous eventsApplying disaster prep principles and methods to adversities in our personal livesHow he became a "Trillionaire" :-)Patrick also explains what it means to 'design a disaster', as we discuss his book, "Design any Disaster: The Revolutionary Blueprint to Master your Next Crisis or Emergency"To learn more about Patrick's work and pick up a copy of his book, visit www.disasterpatrick.com. Also, please visit and subscribe to his YouTube channel, Disaster Patrick.SPONSOR AD: Conntap is the first PHYSICAL link-in-bio solution. You can now securely share your contact info with a simple tap or scan. Turn everyday interactions into opportunity by sharing what matters. Click the link below to get 25% off your first purchase by using the promo code “REDISCOVER”.https://goconntap.com/discount/REDISCOVER

Robert Khachatryan is the founder and CEO of Freight Right Global Logistics, a Los Angeles–based international freight forwarder. A lifelong entrepreneur, Robert began his business journey at age nine selling newspapers on the streets of Yerevan. A member of the Board of Advisors at USC's Randall R. Kendrick Global Supply Chain Institute, Robert founded Freight Right in 2007 during the global financial crisis with a vision to modernize freight forwarding through technology and execution excellence. Today, Freight Right is recognized as a leading innovator in logistics and a trusted launch partner for emerging supply chain technologies. Robert's insights have been featured in Bloomberg, Forbes, the Journal of Commerce, FreightWaves, and the Los Angeles Times, and he has spoken at leading industry events including TPM, FreightTech, and the USC Supply Chain Summit. In This Conversation We Discuss: [00:00] Intro[01:08] Taking the leap during economic uncertainty[03:45] Eliminating shipping delays that kill buyer intent[09:04] Building Ecommerce solution around freight hurdles[11:05] Callouts[11:16] Bridging commercial freight and ecommerce needs[13:29] Identifying hidden customer pain points early[15:45] Building an MVP from customer feedback[18:00] Rethinking traditional processes to reduce cost[20:41] Unlocking new markets with minimal effortResources:Subscribe to Honest Ecommerce on YoutubeInternational Freight Forwarder freightright.com/Follow Robert Khachatryan linkedin.com/in/khachatryanrobertIf you're enjoying the show, we'd love it if you left Honest Ecommerce a review on Apple Podcasts. It makes a huge impact on the success of the podcast, and we love reading every one of your reviews!

Change how you look at unsold inventory in this episode with Amrita Bhasin of Sotira, joining the show to break down how poor inventory forecasting is crushing CPG brands, why nearly a quarter of all retail and e-commerce inventory never sells, and how excess inventory liquidation has become one of the biggest supply chain challenges today! We dive deeper into how Sotira is using AI to power a tech-driven reverse logistics marketplace that connects sellers, buyers, and donation partners while protecting brand equity, enforcing expiration and regional compliance laws, and improving recovery rates, how integrated freight optimization APIs help control transportation costs, why mismanaged forecasting leads to millions in deadstock, and how smarter liquidation strategies can reduce waste, unlock tax benefits, and keep inventory moving.   About Amrita Bhasin Amrita Bhasin is the co-founder and CEO of Sotira, an award winning reverse logistics company that enables retailers, manufacturers and brands to discreetly monetize and donate unsold inventory.  Amrita was named to the 2026 Forbes 30 under 30 list and the 2025 Mayfield AI List. Amrita has been invited to speak on national and international broadcast networks including CBS, Fox, ABC, Scripps, and CGTN and has been profiled in Forbes, TechCrunch, and Business Insider. She is regularly quoted as an expert by leading publications such as Reuters, Bloomberg, Wired, Fortune, CNBC, Glossy, Huffington Post, Sourcing Journal, Reader's Digest, Modern Retail, AP, Yahoo Finance, and FreightWaves. Amrita has spoken about reverse logistics at leading conferences and trade shows such as TechCrunch Disrupt 2024, Home Delivery World 2025, HumanX 2025, ReTHINK Retail 2025 and Groceryshop 2025. Amrita was a delegate speaker at the 2025 One Young World Summit in Munich, Germany. She is an upcoming speaker at Manifest 2026 and Food Waste Summit 2026.  Amrita was a 1st place winner at Shoptalk 2025 and 1st place winner at Reverse Logistics Conference and Expo 2025. Amrita has been recognized by the State of California and Stop Waste for contributions to reducing enterprise waste via reverse logistics automation.   Connect with Amrita LinkedIn: https://www.linkedin.com/in/amrita-bhasin/  Website: https://www.sotira.co/  Email: amrita@sotira.co  

One of the biggest mistakes in personal finance is how quickly conversations turn into either/or debates. Invest or insure, trust the market, or play defense. Something is a scam, or it's the answer. The problem is, real financial progress rarely comes from choosing sides. It comes from using the right tools together instead of pretending one tool should do everything. This shows up clearly in the way people talk about retirement plans. People have strong opinions about 401(k)s, especially the idea that the match is a scam. But that argument falls apart once you actually slow down and look at how it works. That idea carries into the way people think about insurance. Insurance isn't an investment, and treating it like one creates bad expectations on both sides. But dismissing it because it's not an investment misses what it's actually designed to do. The more interesting question isn't "what's the return," but "what role does this play in the system?" Being dogmatic about any tool, whether it's a 401(k), insurance, or the market, usually leads to worse outcomes. In this episode, the author of The And Asset and founder of BetterWealth, Caleb Guilliams, returns. We dig into the idea of giving your dollars more than one job, how money can be safe and accessible at the same time, and boring on the surface, but incredibly useful when integrated correctly.  Things You'll Learn In This Episode  Why financial labels block better decisions We don't reject strategies because they fail; we reject them because of what they're called. How does labeling something "insurance," "investment," or "scam" stop you from seeing its true value? Why value matters more than rates of return Cost only feels expensive when the value isn't clear. What happens when you stop asking "what does this pay?" and start asking "how many jobs does my money do at once?" Changing your mind is a sign of financial maturity Rigid beliefs feel safe, but they often lead to bad advice. Why is the willingness to evolve a marker of credibility, not weakness? How AI will quietly replace most financial advice models What will happen when software can analyze, design, and optimize financial decisions faster and more accurately than most humans ever could?   About the Guest Caleb Guilliams is the author of "The and Asset", a podcaster, investor, speaker, and the founder and CEO of Better Wealth Solutions, a company committed to showing people how to be more efficient and control their money today while maximizing their future wealth potential. BetterWealth is a company that is fascinated with the idea of ordinary people being able to achieve extraordinary wealth. Caleb and his team have discovered proven strategies & principles that can empower anyone to create & protect real wealth. For more information, go to https://betterwealth.com/. Go to https://thewholelifesummit.com/2026  to learn more about the Summit and buy the book at https://betterwealth.com/bookstore.   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.   Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.    Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download).   Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

It's award show season again and that means it's time for the single most prestigious awards extravaganza - The Worldies!  The only award show that covers all the movies we talked about last year.  Also, the only awards show that celebrates movies made over 30 years ago.  Also, the only awards show with categories like, "The Best Film with Too Many Characters" and "The Anthony Perkins Award for Filthiest Shirt".Variety called it, "what's 'The Worldies' and get off my lawn"Entertainment Weekly said, "please stop calling me"Joining us to hand out these very prestigious awards are a few of our former guests and NWPPVIPs including:  Ryan Verril, our boss and host of the Disc-Connected Podcast Ali Davis, from ep. 127: THE FUNNY FARM Jason "Neumie" Neuman (NWPPVIP and host of the After These Messages Sketch Comedy Podcast Peter Fluet, from ep. 32: STAR CRYSTAL Chris Iannacone, co-host of the Get Me Another Podcast Greg Andersson, NWPPVIP and writer/editor for Forbes (see his work here) Dunbar Dicks (follow him here) We also rank our top 5 and bottom 5 from 2025 and discuss the year overall.  How much Deezan is too much Deezan?  We discuss.  A huge thanks to the guests we've had the opportunity to interview on this podcast, our guest presenters, and to all of you, our audience, for listening to the New World Pictures Podcast.  This was our best year yet, and we are looking forward to all that 2026 has to bring. For all the shows in Someone's Favorite Productions Podcast Network, head here:  https://www.someonesfavoriteproductions.com/

Melitta Campbell is an award-winning business coach, author, and international speaker specialising in helping female leaders and entrepreneurs unlock, communicate and step into their true value.With three decades of experience in communications, marketing and leadership across global organisations and entrepreneurial ventures, Melitta has developed her Value Whispering® Blueprint — a proven framework that empowers professionals to market themselves authentically, build influence without shouting, and create meaningful impact in their careers and businesses. Melitta helps leaders build not just credibility, but genuine belief in their ability to make a difference.She is host of the top 2% global podcast: The Art of Value Whispering, TEDx speaker, and author of A Shy Girl's Guide to Networking and her forthcoming book on Value Whispering (as well as multiple co-authored business titles). And her thought leadership has been featured in the media, including Forbes, Fast Company, and Thrive Global. Through her work and content, Melitta continues to inspire women to succeed, without being loud or pushy, but by embracing their true value.Her mission is simple: to show women that they don't need to be the loudest in the room to make the biggest impact. Download Melitta's First Chapter of Her Book: https://www.melittacampbell.com/chapter

Former Kansas City Chiefs offensive lineman Joe Valerio and Forbes.com writer Jeff Fedotin offer their thoughts on the playoffs. The Chiefs might not be playing, but they have plenty of connections with the teams in the field, including former players suiting up this weekend. Joe also shares why he roots against the Buffalo Bills. Agree or disagree with our thoughts? Let us know on X: @joevalerio73 and @JFedotin. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Big goals often feel out of reach when life throws setbacks your way. But what if the obstacles are actually shaping the path forward? In this episode, Bryan Sweet sits down with Randy Carver, CRPC®, CDFA®, President & CEO of Carver Financial Services, and author of Limitless, to talk about persistence, mindset, and defining personal meaning. Randy shares how early health challenges shaped his outlook, how failure can become fuel, and why clarity matters more than circumstances. The conversation explores vision setting, daily habits, leadership, and using purpose to create momentum in business and life. Key takeaways: How early adversity reshaped his mindset and influenced long-term motivation and persistence Why defining personal meaning matters more than tools, talent, or starting circumstances Practical habits that help maintain focus, discipline, and forward momentum each day Lessons on leadership, delegation, and building teams that scale beyond the individual How service, generosity, and purpose can guide decisions and future direction And more! Connect With Randy Carver: LinkedIn: Randy Carver Website: Carver Financial Services Connect With Sweet Financial Partners: 1 (507) 235-5587 meetingwithsweet.com Sweet Financial LinkedIn: Bryan Sweet Facebook: Sweet Financial Partners Get our book, “Dream Architecture,” here About Our Guest: Randy Carver was born in New York City, grew up in Baltimore, Maryland, and spent his teen years in Toronto, Canada. As a teenager, Randy started and ran several successful businesses, including a catering firm and two home renovation companies. He attended Oberlin College where he earned his degree in economics. Upon graduating in 1987, Randy opened a branch office for a regional brokerage firm in Mentor, Ohio. The office became one of the company's most successful within three years. In 1990, Randy founded Carver Financial Services to provide Personal Vision Planning® by offering clients unbiased investment information and a wide range of financial products and services through an international firm. He has offered securities through Raymond James Financial Services since 1990. Randy is a General Securities Principal (Series 24 license), Municipal Securities Principal (Series 53 license), holds Series 7 and Series 63 securities licenses, in addition to a series 31 futures license. He also holds a life, health, and annuity insurance license. Randy has earned the Chartered Retirement Planning Counselors CRPC® designation from the College for Financial Planning and is a Certified Divorce Financial Analyst® practitioner, having completed the certification from the Institute for Divorce Financial Analysts earning the CDFA® designation. Randy has taught accountancy board-approved continuing education courses for certified public accountants, as well as Supreme Court Commission on Continuing Legal Education-approved courses for attorneys since 1989. Randy has appeared as a commentator on FOX Business, CNN, Yahoo Finance, Bankrate, Cheddar TV, Newsmax, and Fox News. He has been featured in the New York Times, Barron's, Forbes, Financial Times, The News-Herald, Crain's Cleveland Business, the Toledo Blade and The Wall Street Journal. Barron's has named Randy Carver one of the top 1200 advisors in the United States and one of the top 10 in Ohio every year since 2010. Factors included in the rankings: assets under management, revenue produced for the firm, regulatory record, quality of practice, and philanthropic work. Click here to see all the awards he has received from Barron's, Forbes, Financial Times, etc. Randy lives in Kirtland Hills, Ohio, with his significant other, Christine, and their three dogs, Brutus, Mongo, and Thor. His daughter Cid is living in Tel Aviv, Israel. Randy is a licensed private pilot, flying for both business and pleasure, and pursues other eclectic hobbies ranging from gourmet cooking to riding motorcycles. The opinions voiced in The Dream Architect Life Podcast with Bryan Sweet are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what may be appropriate for you, consult with your attorney, accountant, financial or tax advisor prior to investing. Guests on the show are not affiliated with CWM, LLC. Investment advisory services offered through CWM, LLC, an SEC Registered Investment Advisor. Carson Partners, a division of CWM, LLC, is a nationwide partnership of advisors.

You're likely aware of the ongoing saga surrounding the ban on TikTok in the U.S., including the platform's brief offline period in January 2025. Have you ever wondered why restoring TikTok in the U.S. was one of the first actions President Trump took when he came to office? Why is this social media platform a top priority for some of the world's most powerful people? How did this tech giant become so wildly popular and a source of contention in international politics? Author of Every Screen on the Planet, Emily Baker-White, uncovers the answers. After working within big tech companies' policy departments, Harvard-trained lawyer and investigative journalist Emily Baker-White has now focused on how platforms like TikTok influence the world around us. In her book, she charts TikTok's rise from the Chinese founders' ambitions to its emergence as the world's most valuable startup with 1.6 billion users worldwide. Its power––and potential surveillance and propaganda tool for strongmen––came to a dramatic crescendo with its ban and tenuous resurrection in January 2025. Hear about the explosive reporting that actually caused TikTok to track Baker-White and led to an ongoing criminal investigation. Baker-White makes the case for how hawks in Congress have pushed the company to the brink while the U.S. government seeks backdoor access to observe and influence TikTok's data stream. Touching on politics, finance, business, and technology, she lays bare the stakes: The war for TikTok will either create a blueprint for autocrats to warp our information landscape or close the open internet as we know it. Emily Baker-White is a technology reporter at Forbes, where her TikTok coverage has won awards. A Harvard Law School graduate and former criminal defender, she previously led the Plain View Project, an investigation into police misconduct on Facebook, and covered TikTok for BuzzFeed News. Steve Scher is a writer, broadcaster, and interviewer. His children's book, The Moon Bear, came out in 2022. Over his 28 years on local public radio, he won awards for his incisive coverage of public affairs, breaking news and his beyond-the-headlines approach to issues. His in-depth interviews with award-winning authors, political leaders, scientists, artists and active citizens are noted for their intelligence and sensitivity. Most summers since 2009, he has taught a Communications Department class on interviewing at the University of Washington. Buy the Book Every Screen on the Planet: The War Over Tiktok Elliott Bay Book Company

The guys talked about a Forbes article talking about how the Padres new owner may have an opening to move the team. We talked about the NFL playoffs, Aztecs basketball, and talked with Evan Drellich of The Athletic.

Feeling the pull for a new chapter, but not sure what it looks like yet?In this solo episode, I'm bringing you five of the most powerful, soul-shifting conversations we had on the podcast in 2025 on what it really takes to manifest your dream life in 2026.These aren't just highlight reels. They're real stories from brave women who've walked through reinvention in all its messy, magical forms. And inside each one is a pivotal shift—a truth bomb, a lesson, a moment—that just might be what you need right now.Whether you're navigating a career pivot, a breakup, a rebirth, or just a quiet craving for more... this is your invitation to shed who you've been and step into the woman you're becoming.What you'll get out of this episode… Why reinvention starts with doing something bold before you feel readyHow to build confidence from your identity (not in spite of it)Why most people mistake reinvention for crisisWhat happens when you stop chasing goals and start receiving lifeThe real reason why you feel stuckDive Deeper Into These EpisodesEp #346: How One Solo Trip Changed Everything with Dr. Nabila Ismail (Apple | Spotify)Ep #368: The Truth About Age-Gap Love, Divorce & Reinvention with Caroline Stanbury (Apple | Spotify)Ep #385: What Miss America Never Told You: Colorism, Courage & Finding Love with Nina Davuluri (Apple | Spotify)Ep #296: Healing, Reinvention & Finding Love with Christine Hassler (Apple | Spotify)Ep #326: This Is Why You Feel Stuck (And What to Do When You're in the Void) (Apple | Spotify)This Episode is Sponsored by Chai TonicsStarting the year without pressure? Same. I'm choosing ritual over resolution with Chai Tonics — a calming chai ritual for focus, gentle energy, and nervous-system support when January feels loud. Try it at https://bit.ly/trychaitonics  and use code BRAVETABLE for 15% off.Breathe better with JASPRAs a mama healing from mold toxicity, air quality has become deeply personal for me. JASPR removes 97.1% of mold in just 1 hour. Use code BRAVE for $400 OFF: https://jaspr.co/brave Support your body with REJŪVMy go-to science-backed red light therapy for faster recovery, reduced soreness, and deeper repair. Try it today with code BRAVETABLE: Https://werejuv.com/?ref=NEETABHUSHANFollow along for more tips, community, and resources to brave a better you!YOUTUBE / @TheBraveTableIG / @neetabhushan IG / @thebravetable TIKTOK / @neeta.bhushanWEB / https://neetabhushan.comTo receive a free gift, email a screenshot of your 5-star review of The Brave Table to support@globalgrit.co

In this season premiere of The Data Chief podcast, host Cindi Howson sits down with three industry leaders to unpack what's next for AI, and the concrete moves data and AI leaders need to make in 2026—many of which are detailed in ThoughtSpot's Top Data & AI Trends of 2026 ebook.Get ready for a deep dive into:Agentic AI goes mainstream with Paul Baier, CEO and Co-Founder of GAI InsightsAI-ready data and the rise of the AI manager with Jennifer Belissent, Principal Data Strategist at SnowflakeScaling agents with trust and control with Rory Blundell, CEO of GraviteeConsider this your field guide to navigating AI in 2026.Key Moments:Agentic AI Goes Mainstream with Paul Baier, GAI Insights (1:50): Paul Baier, CEO and Co-Founder of GAI Insights, explains why enterprises that already have GenAI in production are pulling decisively ahead, how agentic AI is reshaping enterprise operating models, and why leadership alignment and AI literacy will determine winners in 2026.AI-Ready Data and the Rise of the AI Manager, Jennifer Belissent, Snowflake (19:16): Dr. Jennifer Belissent, Principal Data Strategist at Snowflake, breaks down why data quality, transparency, and governance remain the foundation of AI success, and why the next critical enterprise skill is learning how to manage AI agents as part of the workforce.Scaling Agents with Trust and Control with Rory Blundell, Gravitee (35:11): Rory Blundell, CEO of Gravitee, shares how the agentic era is redefining API integration, why most enterprises are stuck at early AI maturity stages, and how agent management and security frameworks will unlock real action in 2026.Key Quotes:“Yo u have to treat AI as a capability and not an IT project.” - Paul Baier“ Transparency as a requirement is not slowing down adoption. It's actually accelerating it.” - Jennifer Belissent“My prediction is that companies that adopt robust security frameworks in 2026 will be the companies that accelerate fastest.” - Rory Blundell MentionsGAI Insights' Corporate Buyers Guide to Enterprise Intelligence ApplicationsHarvard Business Review: GAI Insights' WINS FrameworkGravitee's AI Readiness CurveThoughtSpot's Top Data & AI Trends of 2026 ebookGuest Bios Paul BaierMr. Baier is the CEO and principal analyst at GAI Insights. Mr Baier co-authored 4 articles about enterprise GenAI that were featured in Harvard Business Review and MIT Sloan Management Review. He was appointed an Executive Fellow at Harvard Business School and is a Forbes contributor. He is a seasoned software entrepreneur with two decades of experience and multiple exits. Related to AI, he was VP of Product at First Fuel Software, an enterprise AI company for 5 years. He holds an MBA from Harvard and a BA from Kenyon College.Jennifer BelissentAs Principal Data Strategist, Jennifer advises Snowflake customers on data and AI strategy and best practices in building world-class organizations. Previously, she spent over a decade as a Forrester Analyst, and has held management positions in tech sales and marketing, designed urban policy programs, taught secondary school math as a Peace Corps volunteer, and earned a Ph.D. in political science from Stanford University and a B.A. in econometrics from the University of Virginia.Rory BlundellRory Blundell is the CEO of Gravitee. He joined the company in March 2020, first as Chief Revenue Officer, before becoming CEO in September 2020. Prior to Gravitee, Blundell led SnapLogic's EMEA expansion from a technical sales perspective, overseeing significant growth in EMEA revenues over three years. Prior to SnapLogic, he was the CEO and founder of Velinko, a UK software and consultancy company for the legal and accounting sectors. Hear more from Cindi Howson here. Sponsored by ThoughtSpot.

Becoming a better boss is not about quick fixes or one-time changes. In this episode, Hall of Fame keynote speaker Joe Mull, CSP, CPAE, reflects on what it really takes to grow as a leader over time and why employee commitment, engagement, and retention are shaped by the daily experience people have at work. Joe invites leaders to think more deeply about how learning, self-reflection, and relationships influence workplace culture, and why the role of the direct supervisor matters more than most organizations realize. Rather than offering shortcuts or surface-level tactics, this conversation focuses on the long view of leadership growth and the conditions that allow people to do their best work. If you want to create a workplace where people join, stay, care, and try, this episode offers grounded perspective on how better bosses are built. To subscribe to Joe Mull's BossBetter Email newsletter, visit https://BossBetterNow.com For more info on working with Joe Mull, visit https://joemull.com For more info on Boss Hero School, visit https://bossheroschool.com To email the podcast, use bossbetternow@gmail.com #transformativeleadership #workplaceculture #companyculture #talentretention #employeeengagement #employeeretention #bossheroschool #employalty Joe Mull is on a mission to help leaders and business owners create the conditions where commitment takes root—and the entire workplace thrives. A dynamic and deeply relatable speaker, Joe combines compelling research, magnetic storytelling, and practical strategies to show exactly how to cultivate loyalty, ignite effort, and build people-first workplaces where both performance and morale flourish. His message is clear: when commitment is activated, engagement rises, teams gel, retention improves, and business outcomes soar. Joe is the founder of Boss Hero School™ and the creator of the acclaimed Employalty™ framework, a roadmap for creating thriving workplaces in a new era of work. He's the author of three books, including Employalty, named a top business book of the year by Publisher's Weekly, and his popular podcast, Boss Better Now, ranks in the top 1% of management shows globally. A former head of learning and development at one of the largest healthcare systems in the U.S., Joe has spent nearly two decades equipping leaders—from Fortune 500 companies like State Farm, Siemens, and Choice Hotels to hospitals, agencies, and small firms—with the tools to lead better, inspire commitment, and build more humane workplace cultures. His insights have been featured in The Wall Street Journal, Forbes, Harvard Business Review, and more. In 2025, Joe was inducted into the Professional Speakers Hall of Fame (CPAE). This is the speaking profession's highest honor, a distinction granted to less than 1% of professional speakers worldwide. It's awarded to speakers who demonstrate exceptional talent, integrity, and influence in the speaking profession For more information visit joemull.com.

Kim is back with the blueprint behind her biggest year yet.In this episode, she breaks down the exact system behind one of the most successful quarters of her life, from six figures and Forbes 30 Under 30 to interviewing Vice President Kamala Harris, and why none of it “just happened.” It was positioning, structure, and a ruthless commitment to process.Kim introduces the concept of the Permission Gap, the space between what you say you want and what you actually believe you're allowed to have, and explains how self-worth quietly caps our goals before we ever start.Then she walks you, step by step, through her personal goal-setting framework: how to build a life vision and turn long-term plans into quarterly goals using her “3/6/9 Method.” From mindset to planning to accountability, this is the exact structure she uses to close the gap between her dreams and reality.Kim's Biggest Takeaway? Your goals reveal your self-worth. Your systems reveal your seriousness. And life meets you at your level of audacity.Book a Session: Life Vision & Quarterly Goals [https://richlittlebrokegirls.com/book]Episode Timeline & Chapters:[00:35] How I Had My Most Successful Year (Systems, Focus & Execution)[02:33] Why Goal Setting Requires an Abundance Mindset[07:51] Closing the Permission Gap (Self-Worth & Big Goals)[13:19] How to Set Life Goals (Creating Your Long-Term Vision)[18:54] How to Set Quarterly Goals That Actually Get Results[19:29] The 3/6/9 Method: My Quarterly Goal-Setting System[26:42] Confession Session: Friendship Boundaries & Confidence[31:54] Weekly Pick Me Up: Motivation & Abundance MindsetHost & Executive Producer: Kimberly BizuAdditional editorial support: Kelsey Freeman✨ You're Gonna Want to Subscribe to This:Drop us a 5-STAR review (with a compliment — we read them all: https://podcasts.apple.com/us/podcast/rich-little-brokegirls/id1648972716) Follow us (@richlittlebrokegrls) on Instagram for daily clips & chaos → [https://instagram.com/richlittlebrokegrls]Join the RLBG Community for exclusive events & LIVE girl talks → [https://richlittlebrokegirls.com/join] Stalk Kim on TikTok & Instagram (@kimberlybizu) for more unfiltered hot takes → [https://instagram.com/kimberlybizu & https://tiktok.com/@kimberlybizu]Shop Kim's favorites on ShopMy → [https://shopmy.us/kimberlybizu]

Report from Forbes paints a murky picture for the San Diego Padres if Joe Lacob were to buy the Padres. The Chargers and Patriots game was the only game not to see a TV ratings increase in the Wild Card round. The Rams are favored over the Bears in Chicago. Mike Tomlin is reportedly not going to take a head coaching in 2026. The Aztecs will face JMU in 2026.Support the show: http://kaplanandcrew.com/See omnystudio.com/listener for privacy information.

Approximately 77% of Americans express a desire to adopt ahealthier diet but encounter substantial barriers that prevent them from doingso consistently. In terms of overall wellness, a noteworthy 84% of U.S.consumers prioritize wellness in their daily lives, according to research byMcKinsey & Company and Forbes. **Lifestyle Changes for a Longer Life:** According to aForbes Health survey, many Americans are willing to make significant lifestylechanges to improve their healthy life expectancy:- 68% would give up fast food.- 65% would give up soda.- 62% would give up ultra-processed foods. Roseanne Schnell is a certified Dietitian Nutritionist withover 20 years of experience helping individuals and organizations achieveoptimal health through personalized nutrition, wellness coaching, andinnovative educational programs. Known for her dynamic and approachable style,Roseanne has successfully guided clients of all ages toward lastingimprovements in diet, fitness, and overall well-being. Her career includesleadership and client-facing roles at respected organizations such as TheVitamin Shoppe, Oceanside Pediatric and ProHealth, and the Personal TrainingInstitute. She has also established her own nutrition practice, providingmedical nutrition therapy, sports nutrition, and weight management servicesthrough in-office counseling, telehealth, and personalized house calls. As a passionate innovator in the wellness space, Roseannehas contributed to the formulation of cutting-edge GLP-1 support supplementsand authored *The Shed Comprehensive Nutrition Guide and Plan*. Sheconsistently exceeds growth and performance goals by combining her extensiveknowledge of nutrition science with exceptional relationship-building skills,earning recognition from company leadership for driving membership growth,increasing sales, and optimizing client outcomes.  Outside of her professional work, Roseanne enjoys fitness,gardening, cooking, and spending time outdoors with her family. She isdedicated to empowering others to use nutrition as a foundation for achievingtheir weight, health, and fitness goals, helping them transform wellness into asustainable lifestyle.  **Specialties:** Nutrition Education, Health Coaching,Sports Nutrition, Clinical Dietetics, Weight Management, Holistic Health, andSupplement Knowledge. For more information: https://www.tryshed.com

Maor Greenberg is the co-founder and CEO of Spacial, the AI-powered engineering partner delivering coordinated, permit-ready structural, MEP, and energy plans for residential construction. With over 19 years of experience as a builder and founder, Maor previously scaled Greenberg Construction, Greenberg Design Gallery, and VRchitects, earning Inc. 5000 honors and multiple design awards. At Spacial, he combines deep field experience with cutting-edge AI to reduce permitting friction and accelerate housing delivery. His work has been featured in Forbes, TechCrunch, and CTech, and he actively invests in forward-thinking AEC and AI startups.(01:33) - Maor's Journey to the US (02:54) - Challenges in Architectural & Engineering Processes(04:05) - The Pain Points Leading to Spatial AI (05:31) - Permitting Bottlenecks in Construction (06:05) - Design & Construction Integration Issues (08:24) - AI's Role in Streamlining Processes (09:29) - Success Stories & Milestones(15:07) - Shoutout: AmTrustRE's $217M Office Acquisition of 260 Madison(15:54) - Feature: Blueprint - The Future of Real Estate - Register for 2026 (17:02) - Standardized Pricing & Adoption (18:55) - Speed vs. Quality in Engineering (24:53) - Modular Housing (28:25) - Future Vision for Spatial AI (29:09) - Collaboration Superpower: Elon Musk

Send us a textMore great music from the world of piping as Gary takes you to Scotland, Canada, USA and Galicia.EYP Episode 131 PlaylistBack of the Moon with Mrs MacLean from Fortune's RoadRoddy MacLeod with Brigadier General Ronald Cheape of Tiroran, The Piper's Bonnet and Charlie's Welcome from The World's Greatest Pipers Volume 6.Milladoiro with Muniera de Chantada from Castellum Honesti Stuart Liddell with Lament for Alasdair Dearg MacDonnell of Glengarry from Garron Field Marshall Montgomery Pipe Band with A Wee Bit Out of the Ordinary, Blackley of Hillsdale, The Braes of Forbes, Willie Bacach MacLeod of Stornoway, The New Paradigm, Salute to Cap Caval, Susan MacLeod (waltz & jig), Donald McKillop, Mrs MacPherson of Inveran (jig) from Impact: Live at the Glasgow Royal Concert Hall. Susana Sevaine with Marcha Procesional dos Mato from Susana Seivane Andrew and Jack Lee with Murdo MacKenzie of Torridon, The Hen's March and The Braes of Mellenish from MidWest Highland Arts Fund Winter Storm 2007.  Ross Ainslie and Ali Hutton with Pongu from Symbiosis 1   Support the show

Dave Chatterjee, Adjunct Associate Professor at Duke University,  explains how scale, speed, and surprise are reshaping cyber threats and why many organizations remain dangerously reactive. He shares his Commitment-Preparedness-Discipline (CPD) framework along with ways that leaders can move beyond checkbox compliance by treating cybersecurity as a strategic business priority. Key Takeaways:  The three underestimated AI risks that leaders often overlook, and how AI must be used to defend against AI-driven cyber threats Why deepfake attacks represent a systemic risk at both the individual and organizational levels Practical steps individuals can take to reduce exposure to fraud, impersonation, and data loss How better cybersecurity hygiene creates trust, resilience, and competitive advantage Guest Bio: Dave Chatterjee, Ph.D., is a leading authority on cybersecurity strategy, governance, and AI security. As the creator of the Commitment-Preparedness-Discipline (CPD) framework, he helps organizations worldwide build resilient, high-performance security cultures. His recent work explores the convergence of artificial intelligence, cybersecurity, and business resilience, addressing challenges such as AI exploitation, deepfake manipulation, and the secure integration of intelligent systems. Dr. Chatterjee is the author of "Cybersecurity Readiness: A Holistic and High-Performance Approach" and the cybercrime-themed novel "The DeepFake Conspiracy", which illustrates the emerging risks and ethical dilemmas at the intersection of AI and cyber defense. His thought leadership has appeared in The Wall Street Journal, Forbes, USA Today, Business Insider, California Management Review, Business Horizons, MIS Quarterly, and Journal of Management Information Systems. As host of the acclaimed Cybersecurity Readiness Podcast Series, he has engaged leading practitioners, policymakers, and researchers in discussions on topics such as agentic AI, post-quantum readiness, and AI-driven threat detection. A trusted advisor to Fortune 500 firms and government agencies, Dr. Chatterjee delivers high-impact keynotes and moderates CXO panels worldwide, advancing dialogue on how to turn AI risk into organizational resilience. ---------------------------------------------------------------------------------------- About this Show: The Brave Technologist is here to shed light on the opportunities and challenges of emerging tech. To make it digestible, less scary, and more approachable for all! Join us as we embark on a mission to demystify artificial intelligence, challenge the status quo, and empower everyday people to embrace the digital revolution. Whether you're a tech enthusiast, a curious mind, or an industry professional, this podcast invites you to join the conversation and explore the future of AI together. The Brave Technologist Podcast is hosted by Luke Mulks, VP Business Operations at Brave Software—makers of the privacy-respecting Brave browser and Search engine, and now powering AI everywhere with the Brave Search API. Music by: Ari Dvorin Produced by: Sam Laliberte  

On Today's Episode –“Save Okefenokee Swamp From UNESCO Control,” Mark and Bonner talk about the 450,000 acres, designated as a wildlife refuge by President Roservelt, and located mostly in Georgia, but spreading as far south as Florida, that was nominated to become a UNESCO World Heritage Site, by the Biden Administration. Numerous GA. County commissioners and other concerned stakeholders who want to keep this wildlife refuge in American hands. Says one commissioner, "...more than anything, I don't like any organization that I would consider an entangling alliance. Many of the UNESCO members are adversarial nations. China, Afghanistan, Russia would sit around a table and potentially vote on what should be domestic issues....."Tune in for all the Funhttps://news.stanford.edu/stories/2018/11/stanford-scholar-examines-unescos-world-heritage-programBonner R. Cohen is a senior policy analyst with the Committee for a Constructive Tomorrow, where he concentrates on energy, natural resources, and international relations. He also serves as a senior policy adviser with the Heartland Institute, senior fellow at the National Center for Public Policy Research, and as adjunct scholar at the Competitive Enterprise Institute. Articles by Dr. Cohen have appeared in the Wall Street Journal, Forbes, Investor's Business Daily, New York Post, Washington Times, National Review, Philadelphia Inquirer, Detroit News, Atlanta Journal-Constitution, Miami Herald, and dozens of other newspapers in the U.S. and Canada. He has been interviewed on Fox News, CNN, Fox Business Channel, BBC, BBC Worldwide Television, NBC, NPR, N 24 (German language news channel), Voice of Russia, and scores of radio stations in the U.S. Dr. Cohen has testified before the U.S. Senate committees on Energy & Natural Resources and Environment & Public Works as well as the U.S. House committees on Natural Resources and Judiciary. He has spoken at conferences in the United States, United Kingdom, Germany, and Bangladesh. Dr. Cohen is the author of two books, The Green Wave: Environmentalism and its Consequences (Washington: Capital Research Center, 2006) and Marshall, Mao und Chiang: Die amerikanischen Vermittlungsbemuehungen im chinesischen Buergerkrieg (Marshall, Mao and Chiang: The American Mediations Effort in the Chinese Civil War) (Munich: Tuduv Verlag, 1984). Dr. Cohen received his B.A. from the University of Georgia and his Ph.D. – summa cum laude – from the University of Munich.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this Live Greatly podcast episode, Kristel Bauer sits down with cognitive scientist Dr. Maya Shankar to discuss her new book, The Other Side of Change: Who We Become When Life Makes Other Plans.  Maya is the creator and host of the award-winning podcast A Slight Change of Plans.  She appeared on National Geographic's Limitless with Chris Hemsworth and she was a former Senior Policy Advisor in the Obama White House.  Kristel and Maya discuss tips to build resilience and thrive amid tough changes and lots more. Tune in now!  Key Takeaways From This Episode: Why Maya wrote her book Why our brains resist change Strategies to build resilience  The importance of learning new things ABOUT DR. MAYA SHANKAR Maya holds a Ph.D. from Oxford, a B.A. from Yale, and completed a postdoc in cognitive neuroscience at Stanford. She founded and chaired the White House Social and Behavioral Sciences Team and later served as the first Behavioral Science Advisor to the United Nations. The New Yorker has profiled her, and she has appeared on NPR, CBS Mornings, The Today Show, and National Geographic's Limitless with Chris Hemsworth. She is also a former violin student of Itzhak Perlman at Juilliard. Connect with Dr. Maya Shankar: Order Maya's book:  https://www.penguinrandomhouse.com/books/729180/the-other-side-of-change-by-maya-shankar/ Website: https://mayashankar.com/  Instagram: https://www.instagram.com/drmayashankar/  LinkedIn: https://www.linkedin.com/in/drmayashankar/  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.

We put together a FREE Reading List of the 100 Books that helped us get rich: https://www.alux.com/100books 00:00 – Introduction 00:48 – They're Just Hoarding Money 01:58 – They Don't Pay Taxes 03:20 – They Got Rich by Exploiting the Working Class 04:37 – They Only Care About Profit 05:43 – I Work Just as Hard as Them and I'm Not Rich 06:59 – They Don't Deserve It Because They Got Lucky 07:54 – They Don't Pay Higher Salaries 08:49 – I Can't Afford a House Because of Them 09:50 – They Don't Give Away Their Wealth 10:52 – I Don't Understand What They Do 12:18 – They Don't Do Enough for the World 13:05 – Nobody Should Have a Yacht When People Are Starving 14:06 – They Control Everything 15:05 – I'm Poor and They're Rich, So Screw Them 16:00 – Workers Should Own the Means of Production 17:04 – Bonus: The 10-Second Test to See If Your Billionaire Hate Is Dumb or Fair 17:37 – 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/f5rt2qpvbfokAlux.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 episode: 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/

 01:38 – They're Disconnected From Reality 02:38 – They Have Too Much Control Over Public Discourse 04:09 – They're Meddling With Elections & Government05:24 – They Benefit From Monopolies 06:21 – They Pay Disproportionately Less Tax Than Their Employees 07:59 – Extreme Wealth Feels Mathematically Immoral 08:50 – Blame for Rising Living Costs 10:10 – Billionaire Philanthropy Looks Like Reputation Laundering 11:19 – Billionaires Are Into Some Weird Sh*t 12:16 – They Pay for Access to the Best of the Best 13:35 – Their Lifestyles Feel Wasteful in a World With Obvious Suffering 14:44 – They Benefit From Wars & Crisis 15:59 – They Crush Innovation or Policies That Threaten Their Wealth 16:55 – They Create Generational Wealth 17:57 – They Destroy the Planet for Profit and Your Brain for Engagement 19:36 – Bonus: Brave New World & Altered Carbon Humans 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/f5rt2qpvbfokAlux.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 episode: 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/

00:00 - Intro 00:23 - Savings with no end goal 02:09 - Avoiding all debt 03:38 - Playing defensive, all the time 05:47 - Waiting for certainty 07:08 - Treating income as an end goal 08:28 - Chasing discounts instead of increasing buying power 09:31 - Taking advice from people who aren't playing the same game 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/f5rt2qpvbfokAlux.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 episode: 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/

00:00 - Intro 00:25 - Cash is guaranteed to lose purchasing power 02:34 - Cash has no built-in growth mechanism 05:52 - Cash puts in you on the wrong side of the system 08:52 - Cash makes you overpay for safety 10:27 - Cash delays ownership transition 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/f5rt2qpvbfokAlux.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 episode: 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/

Steve Dennis and Michael LeBlanc open the first episode of 2026 with a clear-eyed look at the retail news shaping the year ahead. Holiday sales landed largely as expected. Online sales grew faster, but at a decelerating pace, reinforcing the continued centrality of stores—particularly as click-and-collect represented a meaningful share of holiday fulfillment. The hosts also dig into sector-level performance, noting continued softness in big-ticket home categories alongside strength in apparel, beauty, and sporting goods.Attention then turns to structural stress in retail. The looming Chapter 11 filing of Saks Global underscores the limits of debt-heavy consolidation strategies and the difficulty of rationalizing oversized store portfolios. Steve outlines why store closures, vendor confidence, and new leadership will be critical to any successful reorganization. The news segment closes with a sobering look at U.S. job growth, which has slowed sharply, particularly in retail and manufacturing. While unemployment remains low, constrained labor supply and weak hiring momentum raise important questions for 2026.From there, the episode shifts to a wide-ranging discussion with The Analysts, this time featuring Simeon Siegel, Senior Managing Director at Guggenheim Partners, and Sucharita Kodali, Vice President and Principal Analyst at Forrester. Reflecting on 2025, both describe a year marked by cognitive dissonance: record retail spending alongside low consumer confidence and wildly uneven outcomes. Rather than a simple “K-shaped” economy, Simeon argues that execution matters most, pointing to stark performance differences between retailers selling similar products to similar customers.The Analysts explore where market share is truly shifting, why off-price and value leaders continue to gain ground, and how e-commerce growth is normalizing as the channel matures. Sucharita explains why physical retail remains resilient in the U.S., while Simeon adds that rising friction—fees, returns, and fulfillment costs—has dulled some of e-commerce's original advantages. The conversation also tackles tariffs, AI, and technology hype. The episode concludes with Steve and Michael's perspectives on Amazon's surprising new physical retail stores plans and a possibly big Supreme Court ruling on tariff policy. 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 authro 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 the president and founder of M.E. LeBlanc & Company Inc, a senior retail advisor, keynote speaker and now, media entrepreneur. He has been on the front lines of retail industry change for his entire career. Michael has delivered keynotes, hosted fire-side discussions and participated worldwide in thought leadership panels, most recently on the main stage in Toronto at Retail Council of Canada's Retail Marketing conference with leaders from Walmart & Google. He brings 25+ years of brand/retail/marketing & eCommerce leadership experience with Levi's, Black & Decker, Hudson's Bay, CanWest Media, Pandora Jewellery, The Shopping Channel and Retail Council of Canada to his advisory, speaking and media practice.Michael produces and hosts a network of leading retail trade podcasts, including the award-winning No.1 independent retail industry podcast in America, Remarkable Retail with his partner, Dallas-based best-selling author Steve Dennis; Canada's top retail industry podcast The Voice of Retail and Canada's top food industry and one of the top Canadian-produced management independent podcasts in the country, The Food Professor with Dr. Sylvain Charlebois from Dalhousie University in Halifax.Rethink Retail has recognized Michael as one of the top global retail experts for the fourth year in a row, Thinkers 360 has named him on of the Top 50 global thought leaders in retail, RTIH has named him a top 100 global though leader in retail technology and Coresight Research has named Michael a Retail AI Influencer. If you are a BBQ fan, you can tune into Michael's cooking show, Last Request BBQ, on YouTube, Instagram, X and yes, TikTok.Michael is available for keynote presentations helping retailers, brands and retail industry insiders explaining the current state and future of the retail industry in North America and around the world.

Anxiety doesn’t always come from danger, it often comes from false needs. In this REVERB episode, Andy Stanley and co-host Suzy Gray reflect on last week’s conversation with Steve Cuss to explore how unseen anxieties shape leadership decisions. From perfectionism and control to approval-seeking, they discuss the triggers that cause leaders to power up or pull back under pressure. Andy shares practical insights on lowering the emotional temperature, choosing clarity when certainty isn’t possible, and leading with calm presence when everyone is looking for answers—so fear doesn’t set the direction. 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 two big themes shaping real estate investors' futures: Why more Americans are becoming "forever renters"—and how long-term lifestyle and demographic shifts (not just today's prices and rates) are quietly reshaping the demand for rentals. The growing conversation around eliminating property taxes—which states are making the most noise, and why the real issue isn't whether property taxes go away, but what would realistically replace them. Keith also zooms out for a quick year-end tour of major asset classes—from stocks and real estate to metals and crypto—so listeners can see where real estate fits in the broader investing landscape and what these shifts might mean for their wealth-building strategy. Episode Page: GetRichEducation.com/588 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, the Forever renter trend keeps getting embedded deeper into American culture. What's behind it? It's more than just finances. Then there's been more talk about eliminating property taxes, if they go away, what replaces them? And we'll discuss more today on get rich education.   Keith Weinhold  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   Corey Coates  1:12   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  1:28   Welcome to GRE from Jamestown, New York to Jamestown, North Dakota and across 108 nations worldwide. I'm Keith Weinhold, and this is get rich education. Most investments reduce your income until you can start drawing on it and paying taxes on it in your 60s. That's a lot of decades of living below your means. Here learn how to grow your means and invest in vehicles that pay you when you're young enough to enjoy it and pay you five ways tax advantaged. Hey, there's a big misunderstanding about the housing market taking place right now. Yes, today's higher cost of home ownership contributes to Americans renting longer, for sure, but let's not make the mistake of thinking this is a new phenomenon just because home prices moved higher or mortgage rates began normalizing again a few years ago, that's not what it's about Americans renting longer. That is a trend decades in the making, and it has had and will continue to have major implications on the rental housing market decades into the future, buying your first home at 25 that was your grandparents or maybe your parents. Today, it kind of goes like this in life's journey for the wannabe homeowner, First comes the gray hair, then comes the mortgage. Last year, we learned that the average first time homebuyer age in America has moved up to 40. Back in 1981 it was age 29 per the NAR. More specifically one's real estate journey, it basically now goes like this, rent, rent, rent, have roommates again, go back to renting, chiropractor, Bank of mom and dad, then a mortgage maybe.   Keith Weinhold  3:34   Yeah, the home ownership rate, it keeps falling among every age group, most sharply among 30 somethings. The translation here is that more renters are coming. For those in their 30s, the home ownership rate maxed out at 69% in 1980 it's fallen to just 47% today. Those that are older, for those in their 40s, the homeownership rate maxed out at 78% in 1982 it has fallen to just 62% today and so on. Every 10 year age group all the way to those age 80 plus, the homeownership rate has fallen for all of them over the decades too, every single age cohort. The home ownership rate has fallen over the decades, and that is all per the Census Bureau. I'll tell you why this forever renter trend just keeps strengthening in a moment. But if you don't own your home, here are your current housing options. You can live with your parents. Yes, welcome back childhood bedroom with those glow in the dark stars on the ceiling. Sadly, you can be homeless. That is really not good. Or the other option is you can rent something nice, new, modern, and energy eficient. The group in which home ownership has fallen the most are those 30 somethings. 20 somethings aren't even part of what the Census Bureau reported here. It fell most sharply in the 1980s and then again, after the great recession. And here's what I know you might be thinking because we have some of the smartest listeners around. I bet that during times that buying was cheaper than renting, the trend reversed. That's what you might be thinking. No, it didn't. Regardless of what is cheaper, over time, the home ownership rate just keeps falling despite those periods, whatever is cheaper renting or owning now the overall home ownership rate that's fallen just since 2023 from 66% down to 65% that might not sound like much, but a Full 1% drop there means 1.3 million new renters already, just since 2023 and now you might be thinking, well, this is like totally because home prices and mortgage rates have been higher since that time. They've been higher since 2023 you are, in fact, somewhat correct about the affordability on a median priced home today, which is around 420k, I mean a 10% down payment and closing costs, that means you're out of pocket, probably more than 50k and it's 100k plus for a 20% down payment. And this is often an insurmountable hurdle without financial help from the Bank of mom and dad. But this is all part of a longer, multi decade set of trends. And look, a lot of these trends don't have much of anything to do with finances. People are renting longer because Americans wait longer to marry and have kids, and this has persisted, whether economic cycles are good or bad, and certainly, regardless of what mortgage rate levels are, younger generations value flexibility. That's another reason people are renting longer. Also 30 somethings are just simply more comfortable with subscription models like renting. I mean, look at Netflix and Uber and Spotify. It's been decades since anyone actually bought DVDs or CDs. Yeah, renting is just sort of another subscription model. More. Boomers are also renting for convenience. They would rather play pickleball instead of mow a lawn. This is something that they figured out a while ago. Also higher consumer and educational debt keeps people renting. You've got buy now, pay later. Companies like Klarna that are booming and mortgage eligibility got sucked from souls when all this happened? Hey, I've got more a ton of reasons for why more and more people are renters today, and how this trend is your friend if you are a rental property investor.    Keith Weinhold  8:13   Also, let's be mindful when we broke the gold standard in 1971 asset prices took off like a Blue Origin launch, and wages stagnated. That makes it tough to patch together a down payment and look, there is still an antiquated notion out there that apartments especially are like replete with paper thin walls and one in every five units is a meth lab. Have you toured apartment buildings, fourplexes, duplexes and single family rentals built in the last 10 years? Sheesh. Great amenities. Expect to see granite countertops, patios, fenced yards, gyms, sometimes even pet spas at Class A apartments, washer, dryer in unit. I mean, that has been standard for a long time, LED lighting, smart locks, increasingly office nooks for remote workers. Those are the modern amenities that you find in a rental. So the bottom line here is that as Americans age, there is an elongated renter stage of life. It's not just prices or rates, it is lifestyle. And this is why, even when affordability improves, the homeownership rate should continue to drop. More rental demand is coming. So yes, an elongated renter stage, this forever renter, if you will. That is somewhat about finances, but it is more, and this shapes the landlordtenant landscape for decades. And of course, your advantage here at GRE is even if you live in a High Cost part of the nation, we know how to buy here, say, a brand new build to rent single family property in an investor advantage place like Indiana, Missouri, Alabama or Florida, and we get it for, say, 300k or so, and you get a tenant that will pay you rent for four years or more in a lot of cases. So we've been talking about where the rental demand is coming from. It is both a lifestyle choice and a financial consideration for your tenant. Now this forever renter trend, that's something that really matters if you are providing housing to people. But some real estate trends just move so slowly, so glacier like that, you can kind of get lulled to sleep, until one day you look up and a trend has crystallized like the one that I just described. Let's compare a trend like that to something that people think matters a lot, and this does matter, but its importance is overinflated, and that is, for example, the President's nomination of a new Fed chair this year, and how that's going to move the real estate market. No, not as much as people think, as we've learned here, mortgage rates actually don't have that much to do with home prices. And yes, mortgage rates do move. They are correlated with the Fed funds rate. Yes, they are. When one is high, the other will be high. When one is low, the other will be low. They just don't move in direct lockstep. Let's listen in to the remarks of one Donald John Trump on the matter, because he talks about housing here. This is about a minute long, and then I come back to comment when Trump says him, he is apparently pointing to Treasury Secretary Scott Besant, who was in the room at the time, but as you'll hear, he's not expected to be the Fed Chair selection.    Speaker 1  12:06   Have you started the interviews for the Fed chair? Yes. Who have you interviewed? Ithink I already know my choice well. I like to him, but he's not going to take the job very fast. You like Treasury better, right? Much better, sir. So we are talking to various people and the I mean, frankly, I'd love to get the guy currently, and they're out right now,but people are holding me back. He's done a terrible job, hurting housing a little bit. The truth is, we've been so successful, we've blown past his interest rate. Stupidity. He's been wrong. That's why I call him too late. He's too late. Jerome, too late. Powell, he was recommended to me by a guy that made a bad, you know, bad choice, and it's too bad. But despite that, it's having very little impact, because we have, you know, we have all of these things happening, but it has an impact on housing to a certain extent. He's a fool. He's a stupid man, but we have some very good people   Keith Weinhold  13:09   yeah. So this matters, but it's as much entertainment and almost comedy against a demographic trend like the Forever renter propensity, a calendar year recently ended. It's time to make a quick rundown of the overall investing landscape. Once in a while we do that. It's good to check the movement on other asset classes outside real estate. It's our asset class rundown for last year, the s, p5, 100 was up nearly 17% that's the third year in a row of double digit gains in the year that Warren Buffett stepped down as CEO of Berkshire Hathaway, there's a warning. The S and P Schiller price to earnings ratio soared above 40 for only the second time in history. That's an indicator that stocks are overvalued. The only other time that happened was during the.com bubble in real estate, single family home values were up about 2% per the NAR just over 1% per Kay Shiller, apartment building values were flat to a slight decline. There is no such thing as an official apartment building Price Index, CPI inflation, up almost 3% on the year. It now hasn't been at the Fed's target of 2% or lower for a calendar year since 2019 Yeah, it has run hot all that time. Last year, mortgage rates fell from 6.9% to 6.2% and then, as you would expect, the yield on the 10 year treasury note also fell from 4.6 to 4.2 The dollar fell hard with a thud down 9% its worst performance since 2017 WTI oil prices fell from 70 bucks to $58 that's an 18% decline, but really the story of the year among all asset. Classes is what happened with precious metals, gold up a staggering 68% over the past year, touching an all time high of about $4,500 silver, up about 155% leaving investors flabbergasted and slack jawed, touching an all time high of over $80 platinum and palladium had near triple digit gains the real price of gold. This means inflation adjusted even jumped to its all time high last year, significantly surpassing the previous peaks of 1980 2011, and 2020. Realized this. More than 80% of all the recoverable gold on earth has already been extracted. Silver has been the top performing major asset class. In fact, today, a little one ounce silver coin is worth more than a 300 pound barrel of oil. Sticking with the topic of metals, inflation finally killed a penny. The last one was minted in 2025 in Philadelphia, ending a continuous run of the US minting the penny since 1792 no more. Bitcoin was down 6% falling from 93k to 87k the NASDAQ is aiming for near round the clock trading. It currently trades 16 hours a day, five days a week. They are looking to go up to 23 hours a day, five days a week in the second half of this year. That's our year end asset class rundown    Keith Weinhold  16:34   coming up in future weeks of the get rich education podcast. I am going to do an episode on overpopulation versus underpopulation? Is the world over or underpopulated, and is the United States over or underpopulated? This obviously has huge implications for the housing market. Then on another episode, we're going to discuss a real estate axis strategy we've never discussed before, called the 721 exchange. Now you might have heard of the better known 1031 tax deferred exchange, but the 731 is different. When you get older as a property owner and you realize that you don't want the hassles of landlording anymore, you can sell your properties to a partnership. The 721 exchange dictates that this is not a taxable event, and therefore no capital gains taxes or depreciation recapture are due. Property owners still get the benefits of cash flow and the appreciation across a greater number of properties and markets, and it's a great estate planning tool as well. Yes, that's the 721, exchange. We are going to cover it here. When it comes to investment real estate, I guess we cover nearly everything that's coming up on a future episode. As for today, we're talking about property taxes, if they go away, what replaces them that comes up shortly? Visit get richeducation.com to learn more about how we help you and what we do, and to get connected with real estate. Pays five ways type of properties. Visit gre marketplace.com. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:23   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989,yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:34   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 pre qual 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    Jim Rickards  20:05   this is author Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:22   Welcome back to get rich education. Episode 588 for the 12th consecutive year here, I'm your host. Keith Weinhold, I look forward to perhaps meeting you in person this coming weekend, as I'll be attending the real estate guys create your future goals retreat event in Colorado Springs. You probably remember that we have had the events host and leader, Robert Helms, of the real estate guys on the show with us here several times in the past. What a class act I am spending a few extra days after the event in Colorado Springs to both look at local real estate in that market and climb the Manitou incline, that's this grueling climbing challenge up a slope of Pikes Peak. If you want to climb with me after the real estate guys event, bring your running shoes and I'll lead a group of us up there    Keith Weinhold  21:13   if property taxes go away, what replaces them? Realtor.com recently had a terrific article about this that you can look up the property tax revolt is spreading, but the replacement plan isn't let's look at the probability and possibility of eliminating property tax. Think about how property tax elimination would increase the value of your property well, because now every buyer could afford to pay more, since they won't have that property tax expense. And of course, if you were to remove property tax as a line item from your income and expense statement, your cash flow could double, triple, or even five or 10x depending on your current cash, on cash return. But that cash flow part is less likely because most efforts to eliminate the property tax, they focus on homes, primary residences. Well, several states have either active legislation efforts or these sort of informal grassroots movements to significantly cut down or just totally abolish property tax, but no state has fully eliminated them yet. The most prominent efforts are in five states, most notably Florida, where Governor Ron DeSantis has made the most noise about it. He proposed eliminating property taxes on homesteaded which are primary residence properties, and he aims for a constitutional amendment on the November ballot to achieve this, that is 10 months from now. And that proposal, it's still pretty early in the legislative stages, and the state is also considering property tax rebates in the meantime. Now, even if you own rental property, and property tax were only eliminated on primary residences, it would still cause the value of your property to boom pretty nicely, even if it didn't help the cash flow. The state that's made the second most noise is Ohio. A grassroots organization has called Citizens for property tax reform. They have actively campaigned to place a constitutional amendment on their ballot that would just totally abolish property taxes statewide. Third most is Kansas. They propose legislation and that aims to effectively bump up sales tax to replace property tax. The fourth out of five is North Dakota. Let's look at what they're doing following a failed 2024, ballot measure to just totally abolish the property tax outright. Well, there's a new proposal from the governor, and that seeks this phased out elimination for most homeowners over a decade. And see, North Dakota has a slightly better chance of pulling that off, because they can fund that from the state's Legacy Fund, that's their oil well fund, and then making the fifth most abolition of property tax noise is my home state of Pennsylvania. Lawmakers have introduced bills to eliminate all property tax. They also aim for a constitutional amendment to put that issue before the voters. So they are the five states that have made the most noise, and that's what their approach is.    Keith Weinhold  24:43   Now, seemingly for most of my life, homeowners and landlords have griped about property tax, saying it's the most ridiculous tax of them all, because you pay it year after year after year in perpetuity. And it just never goes away. Unlike other taxes that are just a one time tax, even if your property's mortgage is paid off, you still have a house payment, and that is largely due to property tax. Understand, though, that currently a lot of states give you a reduced property tax once you reach a senior age, usually age 65 plus some start as low as 61 but when it comes to eliminating the property tax, there's a part of the conversation that's really important, and it has been notably absent, and that is a novel solution to replace the lost revenue. And it gets rather interesting to look around and see where else the money might be raised if they eliminate property tax. See, and this is really important to understand, property taxes generate 70% of local revenue, up to 90% of school funding and 25% of all state and local tax revenue in aggregate in Florida. Okay, that's just in Florida those numbers, but a lot of states have a similar scenario, and in Florida, that comes out to about $50 billion a year. That is a big hole to plug, that is a big gap to fill, and it underlines both the burden homeowners are currently shouldering and how hard it's going to be to fill that gap with anything that's more stable or equitable, that's going to last as a funding source, yes, 90% of school funding. You heard that, right? If you talk to an old timer, you know sometimes you still hear an elderly person refer to property taxes as school taxes. So see, this question of, Do you want to abolish property taxes? One reason that's become louder and louder these past few years, and why you hear more about it is due to that increased affordability strain. That's why you're hearing more about it now the question, do you want to abolish property taxes? That is the wrong question. A grassroots push to AX the property tax that's gained traction, really, among some senior homeowners facing property tax bills that are as high as their mortgage. Once was last summer, for example, in Mahoning County, Ohio, the tax delinquency rate hit 18% almost one in five people having trouble paying their property tax, and that county had more than 70 million in unpaid property taxes. In some neighborhoods in Youngstown, as many as one in three homeowners were behind. And in Cuyahoga County, which is basically Cleveland, values jumped 32% on average after reassessments that fueled a $60 million dollar increase in past due balances this whole do we want to abolish property taxes? Question? You're going to see why that's the wrong question and why it's incomplete, because that slogan that skips the only part that really matters here, and that is, what is the replacement plan, realistically, taxpayers should be asked if, in lieu of property tax, they'd rather pay higher sales taxes or higher income taxes, or for those with no state income tax, like Texas or Florida, pay one for the first time. I don't like those answers. I wish governments would spend more efficiently, but that's not the angle that we're looking at here. Property taxes are the true lifeblood of local governments. I mean, they fund everything from public safety to roads to schools, and just because property taxes disappear, well that doesn't mean that the need for firefighters goes away, that the need for police officers goes away, or the infrastructure for public school systems is going to be gone, or the roads go away. So if property taxes are cut, then another revenue generating device has to emerge to keep services funded and running. And it's a little funny. I've been talking about certain states here. But of course, property taxes are exacted and assessed at the county and local level. And look, I mean, you know how the world works, you know what the nature of society is. As soon as someone has their income stream, they quickly grow into that lifestyle and the new larger spending pattern. So taking away an existing income stream or even reducing it a little, I mean, that can almost trigger outrage and protests, for example, the outcry that we had last year about cutting snap payments. But it works this way. With anything. I mean, sheesh. For the majority of Americans, if you cut their income even 10% they would struggle to survive. They would struggle to put food in the fridge. So these repeal the property tax campaigns, they often avoid the reality of the replacement math.    Keith Weinhold  30:19   Now, some states have taken a swing at replacing property tax revenue, but few, if any, have succeeded. Now, Nebraska lawmakers, what they did is they floated higher cigarette taxes as a way to fund a goal of cutting their property taxes by 40% I mean, nice try. But according to an analysis by the Tax Foundation, that tax base was far too small. I mean to tell you more about what a terrible miss. This example is Nebraska cigarette taxes. They raised about $52 million in 2024 while property taxes raised $5.3 billion that is 100 times more, not even close, even if you could raise more money in the short run, excise revenues like this cigarette tax, they're pretty volatile, and they often shrink as the demand ebbs and flows. So it really makes them a poor backbone for expenses that grow over time, and they don't eliminate the cost so much as concentrated. So what they do is they sort of shift this broad civic obligation funding all this stuff, police, fire, school, from homeowners onto a much narrower group, in this case, people who smoke. That is not going to work for Nebraska, all right, well, what about a bigger deal, like replacing it with sales tax? Well, they run into a different problem. Local economies are not built the same. You might have a sales tax heavy tourist County, well, they can raise far more money than an agricultural county. And Florida is a clear illustration. They have lots of tourism and lots of agriculture replacing property taxes with sales tax. That would require eye popping sales tax rates too. According to the Tax Foundation Florida statewide, they would have to go from 7% to over 15% sales tax in Florida. But it gets even worse, because counties with a thin sales tax base would have to charge over 32% sales tax. My gosh, that is not going to work, all right. Well, how about another big one? Let's have income taxes replace property tax in a lot of states. I mean, the income tax that's large enough to raise pretty meaningful revenue. But the trade off is that income taxes come with their own sort of economic and political distortions, and once they're added, you know, they rarely stay confined to the tidy swap that voters were promised. I mean, look at New Jersey. They adopted an income tax in the 1970s to provide property tax relief, but over time, that swap proved hard to manage and hard to enforce, and now today, New Jersey has one of the highest effective property tax and state income tax rates combined in the nation. So the point is that all these property tax replacement tools are just inherently piecemeal. Each tax or fee has like this different payer base or some different vulnerability. I mean, if tourism dips, for example, revenues could drop really fast. And the same is true if a regulated industry contracts, or if consumption patterns shift. And you know that volatility, that's manageable for some narrow program, but that is dangerous as the foundation for essential services like public safety and street maintenance and police and schools and fire. Well, how about forgetting all that? Let's just have the government then totally get out of providing public safety and not have the government provide street maintenance and have the government get out of schools. I mean, we used to have more private companies provide you with some of those services. We didn't even have a federal income tax at all until 1913 other than a temporary one to fund the Civil War. But all of that is a bigger topic that we are not going to get into today. The point is, instead of asking the question, do you want to abolish property taxes? The better question is, which replacement are you choosing and who pays for it? Because local costs come on, they're just not likely to shrink anytime soon. After all, all of this schools, fire and police departments, public works, divisions, they're all subject to the same inflation and the same rising costs as the rest of the economy is so the property tax is unpopular. As it is, it does have one functional advantage. It is tied to this immovable base of properties. It's collected locally, and it's designed to fund on going services. That is not to say that some homeowners don't need relief. Some of them clearly do. But eliminating property taxes, that just does not eliminate the underlying cost of government. All it does is reallocate it, and that reallocation can get messy, that shifts a bigger burden onto a smaller share of taxpayers, whether it's smokers, like it was in Nebraska, or whether it's rural shoppers like the Florida sales tax example, or doubly on working homeowners, like it is in the New Jersey income tax example. I have studied this, and I have not seen novel approaches that really keep communities funded without creating some new distortion somewhere else. But unfortunately, one thing that I have seen is this repeal rhetoric, and it makes these political platitudes all that want to just conveniently skip the replacement plan, but it all sounds good and popular when someone stands up there and says that they want to eliminate property taxes. So really the honest question on a ballot. It's not, do you want to abolish property taxes? The honest question is, are you willing to pay higher sales taxes or higher income taxes or adopt one for the first time and accept the distortions that those choices to create to eliminate the property tax? I'm not going to get into the political side of all this, because that's not what we do here. The bottom line is, though, that you're probably going to hear more about the property tax going away. It is unlikely, of course, as income property investors here, property tax is largely built into the rent. It is passed along to your tenant, and a small reduction would help you out, probably not so much on your cash flow side, since most of these proposals are only for primary residences, but even a small property tax reduction on primary residences that would boost all property values, even rental property in the one to four unit space. But you shouldn't expect much here. If property taxes are eliminated, there is just no easy and viable replacement. That's your answer today, if you represent a company that serves real estate investors get rich. Education has over 3 million IAB certified downloads and 5.8 million total listener downloads. You can learn more about advertising on the show at getricheducation.com/ad, that's get rich education.com/ad   Speaker 2  37:51   for the production team here at GRE, that's our sound engineer, bedroom jampo, who has edited every single GRE podcast episode since 2014 QC and show notes Brenda Almendariz, video lead, Binaya Gyawali, strategy Tallah Mugal, video editor, Saroza KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, Don't Quit Your Daydream.   Speaker 3  38:17   nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  38:45   The preceding program was brought to you by your home for wealth building, getricheducation.com