Podcasts about Forbes

Friends have a powerful conversation about "The Cost Of Healing In Silence" with Marina Franklin and guests Ashley McGirt and Nonye Brown-West on the latest episode. Ashley McGirt is a psychotherapist,TEDxinternational speaker, author, and the founder and CEO of theTherapy Fund Foundation, a nonprofit focused on eliminating barriers to mental health care in Black and historically excluded communities. She specializes in trauma, racial trauma, leadership, healthequity, mental health, and self-care. Ashley holds a Master of Social Work from the University ofWashington and a Bachelor of Science in Psychology,operating a private practice where she addresses racial trauma, depression, and anxiety. Featured in Forbes, MSNBC, and HuffPost, Ashley also serves as the NAACP State Area Conference Health Chair. Through her speeches, workshops, and consultations,she empowers individuals and organizations to unpack emotional burdens, prioritize self-care, and foster healing and equity. Her forthcoming book, The Cost of Healing in Silence: Navigating RacialTrauma and the Call for Culturally Responsive Care(March 31, 2026, Wiley), blends research, personal narrative, and clinical insight to challenge systemic inequities and inspire collective healing. It serves as an effective roadmap for culturally responsive mental health care that acknowledges, understands, and begins to heal the ways racial bias and stereotypes infiltrate counseling. Connect with Ashley further at https://www.ashleymcgirt.com Nonye Brown-West is a New York-based Nigerian-American comedian and writer. She has been featured in the Boston Globe's Rise column as a Comic to Watch. She has also appeared on Amazon, NPR, PBS, ABC, Sway In The Morning on Sirius XM, and the New York Comedy Festival. Check her schedule on nonyecomedy.com or Instagram to see when she's coming to a city near you. Always hosted by Marina Franklin - One Hour Comedy Special: Single Black Female ( Amazon Prime, CW Network), TBS's The Last O.G, Last Week Tonight with John Oliver, Hysterical on FX, The Movie Trainwreck, Louie Season V, The Jim Gaffigan Show, Conan O'Brien, Stephen Colbert, HBO's Crashing, and The Breaks with Michelle Wolf. Writer for HBO's 'Divorce' and the new Tracy Morgan show on Paramount Plus: 'Crutch  

Egg Nog, that creamy, boozy, sweet drink people either love or hate makes its way down the chimney this time of year to remind us all why we have a gym membership.  Where did this drink come from, and why does it hold such a nostalgic place during the holidays?  On today's episode join Jason Wise & Forbes writer Jessica Dupuy as they dive into the story of this holiday drink we call Egg Nog. For the base recipe by Morgan Weller of Marfa Spirit Company (https://www.themarfaspirit.com/) mentioned in the episode go here: https://jeffreymorgenthaler.com/egg-nog/For Morgan's Yoakum Egg Nog mentioned in the episode:5 egg 2 cups bourbon1 cup buttermilk1 cup heavy cream2 oz. sorghum vinegar (2:1 ratio Muddy Pond Sorghum and Steen's Cane Vinegar)2 oz. corn husk simple syrup*Nutmeg to garnish Be sure to chill all ingredients well before making. In a large bowl, beat eggs. Whisk in remaining ingredients until frosty. Pour into a pitcher and serve with a dash of nutmeg. *Corn Husk Simple SyrupDissolve 2 cups of sugar into 1 cup of hot water in a sauce pan over medium heat to make a rich simple syrup. Remove from heat. Set a dozen dried corn husks into the pan and let steep for thirty minutes. Remove husks and discard. Add 1 tablespoon of Everclear. Chill simple syrup in refrigerator; will keep indefinitely.Don't forget to go to www.SOMMTV.com or on any SOMM TV app to watch the 2025 Napa Valley Vintage report for free right now!

Do you hit that 3PM wall and feel like your brain's gone on vacation without you? You're not broken or lazy—your body is just trying to tell you something.In today's solocast, I'm diving into the real reasons behind the afternoon slump. (Hint: it's not just about needing more coffee.) I'm sharing the science, the self-awareness, and the nervous system wisdom behind that foggy, cranky, mid-day crash—plus the exact ritual I use to reset my energy and feel ALIVE again.It's time to trade the sugar crash for a grounded comeback. This episode is your permission slip to pause, breathe, and reclaim your power—one mindful sip at a time.What you'll get out of this episode… Discover the real reason you feel foggy, anxious, or unfocused in the afternoonInsights on why quick fixes don't work—and how to create sustainable midday habits that support your mental healthA powerful reframe on how slowing down can actually boost productivity, presence, and clarityAyurvedic wisdom on adaptogens, herbs, and rituals that nourish your focus and regulate your nervous systemBreathe 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  Want more?

The search for a sperm donor can be overwhelming for anyone, but for Black women, the lack of available Black donors adds a whole new layer of complexity. When Lakia Holmes—senior producer of Bleacher Report's branded sports content, award-winning journalist, and now a single mom by choice—began exploring her fertility options at 37, she had no idea just how winding the path would be.What started as an egg-freezing consultation quickly revealed blocked fallopian tubes and a 2% chance of conceiving naturally. Suddenly, the dream she'd been putting off to grow her career became something she could no longer wait on. Choosing IVF meant choosing herself—and stepping into the unknown as a solo Black woman navigating infertility, donor scarcity, and the fear of how this choice might impact her career.In our conversation, Lakia shares the emotional and logistical realities of that season: long donor waitlists, genetic mismatches, profiles with only a name or two left… and then the moment a miracle phone call changed everything.“It wasn't my plan A, but my plan B worked out pretty damn well.” — LakiaLakia opens up about the fast-moving year that followed—egg retrievals, her very first embryo transfer, and the shock and gratitude of being pregnant with her daughter, Isla, who arrived in May 2024. She also speaks honestly about postpartum depression, rebuilding her support system, heading back to work in the sports media world, and dipping her toe back into dating as an SMBC.Most recently featured in Forbes, Lakia is now using her platform to bring fertility awareness to the Black community and to tell the story she once needed to hear.Her honesty, humor, and courage offer such a powerful reminder: when you decide your dream of becoming a mother can't wait any longer, so much becomes possible.In this episode, we explore:How an egg-freezing consult revealed blocked fallopian tubesRecognizing that waiting for the “right time” or the “right partner” might mean waiting foreverWhy Black sperm donors are so scarce—and how that impacts Black women pursuing donor conceptionFinding a donor when the options feel impossibly limitedGetting pregnant on her very first embryo transferLakia's experiences during pregnancy and birthPostpartum depression and learning to ask for helpReturning to work, navigating childcare, and preparing to travel againReentering the dating world as a solo mom by choiceFind out more about Lakia's coaching at Lakia Holmes | Fertility Coach, Speaker & Advocate

Marriage, kids, and money — three things that can make life beautiful and stressful at the exact same time. But how do you build wealth and still have time for your family? Finance coach Andy Hill faced this exact question, and his answer was a step-by-step approach that feels doable and actually creates time freedom. In this episode, he shares how he and his wife went from a negative $50K net worth to building generational wealth for their family. You'll walk away with ideas to teach your kids money habits early and make giving fun! Topics discussed: Introduction (00:00) Andy's path to becoming a finance coach (00:59) Mission of the Marriage, Kids, and Money podcast (04:19) What it means to "create your own pension" today (06:43) Lessons in talking money and working with your spouse (09:15) How becoming a parent changed his view on money (12:21) Why he brings his kids on the podcast (16:08) Tips for parents to teach their kids good money habits (19:15) The 60/40 generational wealth plan for kids (21:11) Fintech tools that make teach money habits easier (22:18) The power of giving and how to make it fun for kids (23:26) Key takeaways from his book, Own Your Time (27:56) What brought you JOY today? (30:41) Resources: Sending your child to college will always be emotional but are you financially ready? Take the College Readiness Quiz for Parents: https://www.mitlinfinancial.com/college-readiness-quiz/ Doing your taxes might not be enJOYable but being more organized can make the process less painful. Get Your Gathering Your Tax Documents Checklist: https://www.mitlinfinancial.com/wp-content/uploads/2024/06/Mitlin_ChecklistForGatheringYourTaxDocuments_Form_062424_v2.pdf Will you be able to enJOY the Retirement you envision? Take the Retirement Ready Quiz: https://www.mitlinfinancial.com/retirement-planning-quiz/ Connect with Larry Sprung: LinkedIn: https://www.linkedin.com/in/lawrencesprung/ Instagram: https://www.instagram.com/larry_sprung/ Facebook: https://www.facebook.com/LawrenceDSprung/ X (Twitter): https://x.com/Lawrence_Sprung Connect with Andy Hill: LinkedIn: https://www.linkedin.com/in/andyhillmkm/ Instagram: https://www.instagram.com/marriagekidsandmoney/ YouTube: https://www.youtube.com/MarriageKidsandMoney Facebook: https://facebook.com/marriagekidsandmoney Website: https://marriagekidsandmoney.com/ About Our Guest: Andy Hill, AFC®️is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping families build wealth and happiness.  Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger's Personal Finance and NBC News. With over 10 million podcast downloads and video views, Andy's message of family financial empowerment has resonated with listeners, readers and viewers across the world.  His debut book, "Own Your Time:  10 Financial Steps to Put Your Family First and Escape the Corporate Grind", will be released in January 2026. When he's not "talking money", Andy enjoys being a Soccer Dad, singing karaoke with his wife and relaxing on his hammock. Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site. This episode was produced by Podcast Boutique https://www.podcastboutique.com

You don't need to budget to get ahead financially, you just need to change the way you think about money.   In this episode of the Registered Investment Advisor Podcast, Seth Greene interviews Lisa Chastain, Money Coach, Mentor, and Unshakeable Optimist, who shares her journey from a single mom struggling in a tough spot to building a six-figure business in just 10 months. Lisa talks about how emotions drive money decisions and why addressing your unconscious beliefs around money is crucial for success. She explains why traditional budgeting doesn't work, offering a transformative approach to managing finances that starts with shifting your mindset, not restricting your spending.   Key Takeaways: → How addressing emotional beliefs about money is the first step to financial success. → Why financial habits are often rooted in childhood experiences. → How it's important to uncover how early memories around money shape your decisions today. → How high net-worth individuals create and manage cash flow to allow for more freedom. → Why traditional budgeting restricts people and doesn't lead to long-term wealth.   Lisa Chastain is a Personal Finance Coach with over 20 years of experience offering independent financial advice to executives, professionals, and business owners. She has been featured in Cosmopolitan, CNBC, NBC News, MSN Money, O – The Oprah Magazine, Fortune, Forbes, Business Insider, Business Newsweek, and Entrepreneur Magazine, and is one of Las Vegas Women Magazine's people to watch. A best-selling author, Lisa is also the host of the Real Money radio show on VoiceAmerica, the second-largest online radio broadcaster in the nation, with over 3 million listeners. After burning through $100,000 and nearly going completely broke, Lisa was forced to reinvent herself. Her aspiration wasn't to own a mansion or drive a Ferrari; she wanted simple things, like so many of the women she now works with, such as savings, retirement funds, and a secure future for her family. Put plainly, she didn't want to have to stress about money any longer. In 2016, Lisa applied what she had learned and launched her business as a money coach, with a mission to help women manage their finances effectively without a budget, enabling them to live their best lives. She has now helped countless clients learn how to track their expenses without budgets, invest wisely, and make informed financial decisions, enabling them to escape the financial rollercoaster and achieve long-term stability.   Connect With Lisa:   Website: https://lisachastain.com/ Instagram: https://www.instagram.com/savvymoneywithlisa/ Facebook: https://www.facebook.com/savvymoneywithlisa LinkedIn: https://www.linkedin.com/in/lisachastain/ Learn more about your ad choices. Visit megaphone.fm/adchoices

What do employees actually want from their leaders during the holidays? In this episode, Hall of Fame keynote speaker Joe Mull, CSP, CPAE, looks at why many familiar holiday standbys—like parties, swag, and gift exchanges—don't always deliver the boost in employee engagement, morale, or workplace culture that leaders hope for. Instead, he explains how to make choices that genuinely reduce burnout, support real employee appreciation, and improve your team's quality of life during an already demanding season. Joe also shares the common missteps leaders make this time of year and how thoughtful communication can protect trust and motivation heading into the new year. If you want your people to feel valued, supported, and energized this season, this episode offers practical guidance you can put to work right away. 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.

On this Live Greatly podcast episode, Kristel Bauer sits down with "Courage Catalyst" Dr. Margie Warrell, six-time bestselling author of The Courage Gap.  Kristel and Margie discuss how to navigate being an insecure overachiever and how to build courage. Tune in now!  Key Takeaways From This Episode: A look into being an insecure overachiever and how to overcome it Tips to build courage within ourselves A look into Dr. Warrell's book, The Courage Gap ABOUT DR. MARGIE WARRELL Dr. Margie Warrell is a six-time bestselling author, leadership advisor, keynote speaker, and "courage catalyst" bringing deep insight into human and organizational behavior to foster braver leadership and better outcomes.  Dr. Warrell has gained profound insights on managing fear, navigating risk, and embracing change since her childhood in rural Australia. Thirty years of living and working around the world—from Papua, New Guinea to Singapore—have provided her with a globally grounded perspective on navigating risk and overcoming the barriers that stifle potential in individuals and organizations. Drawing on her doctoral research and experience in coaching and Fortune 500 consulting, Dr. Warrell is a trusted advisor across private and public sectors, helping to embolden braver leadership and cultivate forward-thinking "cultures of courage" that counter change resistance, foster learning, and accelerate growth. Organizations such as NASA, Dell, Morgan Stanley, SAP, Novartis, the UN Foundation, HP, Google, and Johnson & Johnson have sought her expertise.  Author of the new book, The Courage Gap, Dr. Warrell is renowned for her ability to bridge the "head and heart" as a writer and speaker. She has also co-authored two other books with Stephen Covey, Ken Blanchard, and Jack Canfield. Her interviews with leaders and luminaries—including Bill Marriott, Richard Branson, and Amy Edmondson of Harvard Business School—inform her thought leadership, which she shares through her global top 1.5% podcast, Live Brave, Forbes column, and leading media outlets such as CNN, Bloomberg, and the WSJ. Dr. Warrell's commitment to "braver leadership for a better world" extends to advising US Congressional Chiefs, McCain Global Fellows, and emerging female leaders in burgeoning democracies. A passionate advocate for women in leadership, she has served on numerous government roundtables, co-led Korn Ferry's Power of All initiative to advance more women to C-suite and board tables, and been Senior Partner in their CEO & Leadership Institute. Connect with Dr. Warrell Order Dr. Warrell's book: https://a.co/d/81cuf2F  Website: https://margiewarrell.com/  Linkedin: https://www.linkedin.com/in/margiewarrell/  Instagram: https://www.instagram.com/margiewarrell/  About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to "Live Greatly" while promoting leadership development and team building.   Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine and she has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC, and Ticker News. Kristel lives in the Fort Lauderdale, Florida area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

Bianca D'Alessio, star of HBO Max's acclaimed series Selling The Hamptons, is recognized as the top real estate broker in both New York City and New York state. Bianca founded one of the top real estate brokerage teams in the United States, where she manages a $10 billion international real estate portfolio. Having rebuilt her career through adversity, Bianca attributes her success to the art of mastering intention. Author of Mastering Intentions: 10 Practices to Amplify Power and Lead with Lasting Impact, she emphasizes the vital synergy between personal branding and business culture, advocating for the transformative power of manifestation, mindset control, and resilience in achieving exceptional success across all facets of life. Bianca is regularly featured on Fox Business News, CNN, Bloomberg, Mansion Global, and Forbes, and she has a weekly real estate column in Money Magazine.

We welcome Moody's Mark Zandi, Moody's Chief Economist and one of the most influential and trusted macroeconomic voices shaping markets, policy, and business strategy worldwide. Zandi begins by explaining how today's consumer landscape is defined by a widening K-shaped economy—an income and wealth split decades in the making and now intensified by rising asset values and post-pandemic dynamics. Households at the top of the income spectrum are spending freely, while middle-class consumers remain pressured and those at the bottom struggle to keep up, borrowing to sustain purchases.Zandi also connects the affordability crisis to structural issues like housing supply, wage pressures, labor shortages, and the unpredictable impact of tariffs—which are simultaneously slowing job creation, lifting inflation, and clouding retailers' pricing strategies. He warns that delayed tariff pass-through may soon accelerate and that upcoming legal decisions could radically alter retail margins.Perhaps most striking is Zandi's analysis of AI's fingerprints on the labor market. He highlights rapidly rising unemployment among younger workers and the risk that productivity gains arrive faster than hiring can adjust—potentially tipping the economy toward recession just as retail faces profit pressure, concentration of growth among a handful of giants, and shifts in category performance.Before joined by Zandi, Steve and Michael dig into the retail headlines: strong BFCM e-commerce results , Buy Now Pay Later surging again, and evidence that AI-driven traffic is now materially influencing online demand. They examine the evolving performance of dollar stores, with Five Below delivering standout comps, the ongoing stampede to value, and whether the end of de minimis rules may reshape the bargain landscape.They then break down Macy's mixed but improving traction, tariff lawsuits led by Costco, and the broader retail question of whether top-line growth is increasingly profitless prosperity—a theme reinforced by margins squeezed across beauty, off-price, and specialty retail formats.In a quick recap of the most remarkable stories of the week Steve is stunned that Meta still invests heavily in the metaverse—even while shrinking budgets Michael questions whether defunct brands like Bed Bath & Beyond can meaningfully return in the Canadian retail market dominated by TJX, HomeSense, and IKEA.Expect the annual game of holiday discount chicken to intensify as promotions escalate, plus intriguing experiments like Netflix House in former department-store spaces—potentially hinting at new opportunities for mall real estate. SPECIAL OFFER for our listeners! SAVE 20% on registration for the all new Shoptalk Luxe event in Abu Dhabi January 27-29.For more info go to https://luxe.shoptalk.com/page/get-ticket and then register using our special code : RRLUXE20 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.

Financial trauma is tricky - it's a nuanced conversation that plays a part in our everyday lives. And that's because money touches every part of our lives. Our families, businesses, and even we ourselves depend on money to a certain extent. So when you get that guilty feeling in your stomach that makes you refuse to look at your bank statements, it can feel overwhelming. That's why we called in a professional. Alejandra Rojas is an entrepreneur, Forbes contributor, writer, and founder of Brown Way To Money, a financial mentoring platform that helps women overcome financial trauma and improve their relationship with money. She is also the host of the Brown Way to Money Podcast. Alejandra provides a unique blend of financial expertise and trauma-informed coaching, empowering women of color to break free from limiting beliefs and create financial abundance. She delves into the emotional and psychological roots of money problems, helping women heal from past experiences and develop a healthier, empowered relationship with their finances.    In this week's episode, we're healing our financial trauma and talking about why Latinas struggle with money. It's time to break free of our financial trauma and take our power back. Alejandra is a trauma-informed money expert, so she knows exactly how to navigate the nuances of our financial trauma within Black and Brown communities. So if you've been wanting to let go of your guilt and anxiety about money, tune in to this week's episode to learn more!   Follow Alejandra on: Website: https://brownwaytomoney.com    LinkedIn: https://www.linkedin.com/in/alejandrar2019/ IG: @alejandrarojas.money The Money Experience Survey (open until December 19th): www.brownwaytomoney.com/survey Alejandra's TEDx Talk, "3 Ways People Relate to Money" https://youtu.be/-Wy9IhVnkWY?si=oyc8TsuX2zNCCJD1  Follow Erika on: Instagram @‌theerikacruzTikTok @‌theerikacruzLinkedIn Website: http://www.theerikacruz.com How to work with Erika: Join the waitlist for the Courage Driven Latina program here! Join the waitlist for the Magnetic Mastermind here!   Podcast production for this episode was provided by CCST, an Afro-Latina-owned boutique podcast production and copywriting studio. 

"One of the other important things about tech humanism to me is that the three-way relationship between business humans and tech is primarily about the relationship between business objectives and human outcomes and using technological capability to amplify that alignment, as opposed to using technology to amplify only the business objective side of that relationship. So really trying to think about how does a business meet the humans that it serves, and then how can technology be part of making that more effective and more successful so the business can succeed and the humans can have a better experience on the other side of that success." Kate O'Neill on Electric Ladies Podcast  Technology has infiltrated every aspect of our lives, yet do we really understand its relationship with humans? Everybody's talking about and wrestling with understanding artificial intelligence – AI – in their business, governments and lives, but not everyone understands the intersection between technology and the human experience. How can we maximize it? Listen to self-described "tech humanist" Kate O'Neill, CEO of KO Insights and an advisor on these issues, including to the United Nations AI Advisory Board, in this fascinating conversation with Electric Ladies Podcast host Joan Michelson at the 2025 Smart City Expo World Congress in Barcelona, Spain. You'll hear about: ●        Why humans are at the core of everything: "You're never more than a degree away from people downstream of the decisions that you're making." ●        Questions matter: What are the questions boards and leaders should be asking instead of just collecting data and making decisions as if humans are not affected? ●        How can we leverage AI to address climate change? It's about a range of factors, both impact of the technology itself and how it can be leveraged to help humans. ●        Plus, insightful career advice:   "It's anybody's guess, on some level, what the next set of jobs that AI implementations will displace are going to be. But what I think we can feel fairly confident about for the time being is that soft skills, the soft skills that we've all been told are those we need to cultivate. Like context intelligence, emotional intelligence, good judgment, communication, those kinds of things are incredibly important no matter what. And the great thing about this for the question that you ask, is that women have been socialized to be stronger in those skills in general. So we already have an advantage when it comes to that." Kate O'Neill on Electric Ladies Podcast Read Joan's Forbes articles here. You'll also like: ·       Urban Climate Actions at the 2025 Smart City Expo World Congress: Listen to Joan's panel with three extraordinary urban women leaders from across the globe who are using creative strategies to address climate issues. ·       "Technology is Not Neutral": with Stephanie Hare, Ph.D., author of "Technology is Not Neutral," Researcher and BBC Broadcaster ·       Leveraging A.I. For Sustainability: with Mandi McReynolds, Chief Sustainability Officer at Workiva, software infrastructure company ·       Using Climate Modelling – with Maria Caffrey, Ph.D., UK National Physical Laboratory, on how climate modelling works and how best to use it most effectively  ·       Predicting Climate Impacts In Neighborhoods – with Jessica Filante Farrington, AT&T's Director of Global Sustainability   Subscribe to our newsletter to receive our podcasts, blog, events and special coaching offers.   Thanks for subscribing on Apple Podcasts or iHeartRadio and leaving us a review! Follow us on Twitter @joanmichelson

JONATHANBRILL is the Futurist-in-Residence at Amazon, Executive Chairman of the Center for Radical Change, and former Global Futurist and Research Director at HP. Ranked the #1 Futurist in the World by Forbes and “the world's leading transformation architect” by Harvard Business Review,Brill draws on decades of experience as an AI inventor, tech executive, and intelligence strategist. His teams have developed over 350 products, generating tens of billions of dollars in new revenue, and his work has transformed innovation at organizations from KPMG to the U.S. Secret Service. He's a featured expert on ABC News, CNBC, CNN, and CBS, and has taught at Harvard, Duke, CERN, and Stanford. His new book is AI and the Octopus Organization: Building the Superintelligent Firm

In this episode of The Career Refresh, Jill Griffin breaks down the Bridges Transition Model—a timeless framework for leading yourself and your team through change with clarity and compassion. Learn how to navigate the emotional side of transformation, manage uncertainty, and build momentum for what's next.You'll learn:The difference between change (the external event) and transition (the internal process)How to guide yourself and others through the three phases: Endings, the Neutral Zone, and New BeginningsPractical ways to communicate, lead, and build trust during times of uncertaintyArticles I wrote or contributed to on Forbes.com: Grief Without a Funeral: grieving loss opportuntiesHow to navigate the loss of top talentSupport the showJill Griffin, host of The Career Refresh, delivers expert guidance on workplace challenges and career transitions. Jill leverages her experience working for the world's top brands like Coca-Cola, Microsoft, Hilton Hotels, and Martha Stewart to address leadership, burnout, team dynamics, and the 4Ps (perfectionism, people-pleasing, procrastination, and personalities). Visit JillGriffinCoaching.com for more details on: Book a 1:1 Career Strategy and Executive Coaching HERE Build a Leadership Identity That Earns Trust and Delivers Results. Gallup CliftonStrengths Corporate Workshops to build a strengths-based culture Team Dynamics training to increase retention, communication, goal setting, and effective decision-making Keynote Speaking Grab a personal Resume Refresh with Jill Griffin HERE Follow @JillGriffinOffical on Instagram for daily inspiration Connect with and follow Jill on LinkedIn

Click Here to book your Complimentary Wealth Building Strategy Consultation.Interested in The Stop Overspending Course? Click here to learn more & to get started!Follow Me on Instagram → @germainefoleycoachingAbout this week's GuestAllison Baggerly is an author, podcaster, money coach, and founder of Inspired Budget. As a former teacher, Allison blends her talents for teaching with her passion for personal finances to help others learn how to start budgeting and build a life they love.Allison and her husband paid off over $111,000 of debt on 2 teacher salaries while growing their family. During the process, she learned how to take back control of her money, stay consistent with paying off debt, and stop emotional spending once and for all.Allison has been featured in notable media outlets such as Forbes, Business Insider, and Parents as a budget expert who gives women a step-by-step process to break free from the grueling paycheck-to-paycheck cycle. Her book, Money Made Easy, offers a variety of solutions to help you write a budget that works, pay off debt, and have a better relationship with money.Connect Further w/ Allison using the following links:https://inspiredbudget.com/https://inspiredbudget.com/podcasthttps://inspiredbudget.com/goodbyedebtClick Here to book your Complimentary Wealth Building Strategy Consultation. Interested in The Stop Overspending Course? Click here to learn more & to get started! Follow Me on Instagram → @germainefoleycoaching

Brandon Forbes shares the full story behind the dream God gave him, whiteboarding business ideas with Alex Hormozi. This DREAM ended up coming true and reshaping Brandon's business, faith, and calling after winning the Skool Games. We talk through Brandon's journey from cleaning pools to winning the School Games, running $58,000+ in Meta ads to invite people into a free Bible study, baptizing his own mother, and building a coaching movement that has impacted thousands.We also go deep into:• How God redirected his business at its peak• The idea that made Brandon over $1M in coaching revenue• Fatherhood, identity, pride, purpose, and the question: “Are you proud of yourself?”• What Christian entrepreneurs must confront to grow without losing their soul• Surfing the “wave” of momentum and waiting for God's timingThis episode is packed with wisdom, testimony, and practical insight for believers building businesses, ministries, and families with Jesus at the center.Follow Brandon: @iambrandonforbes

EPISODE SUMMARY What if aging wasn't a slow decline… but a design choice? This week I'm talking with longevity pioneer Oz Garcia—the man Fortune 100 CEOs and A-list performers call when their energy, immunity, or performance is on the line. We explore the future of bio-hacking, the hidden biological costs of entrepreneurship, and the surprising habits that actually reverse aging. Listen now on your favorite player! We talked about Simple biohacks everyone can implement Longevity breakthroughs entrepreneurs can't afford to overlook How to build a high-performance life without burning out EPISODE NOTES Oz Garcia is recognized as an authority on healthy aging, age reversal and fortifying the immune system. His client list includes A-List celebrities, Fortune 100 CEOs, and more recently, those dealing with Covid and Post-Covid health issues. Oz Garcia's unique and customized approach to nutrition, functional health, and self-optimization, combined with more than forty years of experience have made him one of the most recognizable names in the industry. Oz Garcia has lectured worldwide and is known as a trailblazer in the study of nutrition, ensuring quality of life as we age, and learning to survive Covid by creating a strong immune system. Oz is the best selling author of five books: The Food Cure for Kids, The Balance, Look and Feel Fabulous Forever and Redesigning 50: The No-Plastic -Surgery Guide to 21st -Century Age Defiance and After Covid. He was twice voted best nutritionist by New York Magazine and is frequently called upon by some of the most respected names in medicine and media for his up -to-the-minute views on nutrition and its role in aging and longevity. Oz has served as a Nutritional Advisor for Equinox Fitness as well as a Wellness Partner at Fairmont Hotel Spa in Century City.  Oz has been featured in Vogue, Elle, Travel and Leisure, W Magazine, Forbes and The New York Times. He has also made numerous television appearances, including on NBC's Today Show, CBS's This Morning, ABC's Good Morning America, 20/20, 48 Hours, Fox News and the View.   LINKS Ozgarcia.com Social media: @ ozwellness ----------- Click this link to listen on your favorite podcast player and if you enjoy the show, please leave a rating & review: https://linktr.ee/wiredforsuccess ------------------ Music credit: Vittoro by Blue Dot Sessions (www.sessions.blue) ----------------- Disclaimer: Podcast Episodes might contain sponsored content.    

Helen Jonsen aspired to be a writer from a young age and chose journalism for its daily writing opportunities. After studying at Fordham University and gaining experience at Channel 11 and WINS radio, she moved to Rhode Island as a senior producer, where she met and married her Australian husband. This led to a stint in Australia, where she worked in television before returning to New York. They worked for Australian networks before she joined Channel 5. After her first maternity leave, she opted to form a production company with her husband, eventually returning to Channel 11 and writing several books, including 'Kangaroo's Comments and Wallaby's Words: The Aussie Word Book.' Helen is a communication strategist and media executive with a career that includes journalism, digital innovation, public service, and nonprofit advocacy. Through her firm, Helen Jonsen Media, she assists leaders and organizations in amplifying their voices with strategic storytelling, speaker training, and modern communication tools. She hosts the Kaleidoscope Career podcast and newsletter series, celebrating women with non-linear career paths. Helen's career has spanned roles from TV journalism to executive positions, notably earning the nickname 'video guru' from Steve Forbes at Forbes. She has also managed strategic communications for Westchester County District Attorney and NYC's Economic Development Corporation during the pandemic.   What You Will Hear in This Episode 02:47 Helen's Early Career and Personal Life 03:49 The Kaleidoscope Career: Journalism and Beyond 06:01 Curiosity and Communication: Helen's Driving Forces 11:35 Challenges and Adaptations in Helen's Career 15:55 The State of Journalism Today 19:15 The Divided Information Landscape 19:30 Launching a Podcast: Reflections and Milestones 19:56 Career Pivots: Insights and Misconceptions 21:26 Challenges and Opportunities for Women 22:58 External Forces Shaping Careers 23:51 Personal Stories of Career Shifts 26:01 The Unique Career Paths of Women 30:41 The Third Phase: Finding New Purpose   Quotes " I think a career as a working mother also shapes how you do things and why you do things." " I think curiosity and trying to find answers is really important. It's the real basis for any good journalism, but it's also the basis for a kaleidoscope career. You have to be willing to take on the new thing." " The promise of the internet of the was that the internet would democratize journalism and democratize communication. Instead, what we didn't see coming was the. Siloing of information that came with the maturation of social media." " Our demands around us on caregiving at different ages and stages affects our careers so often."   Mentioned helenjonsen.com LinkedIn Substack Instagram eConnect with Bonnie Substack Newsletter: Own Your Ambition Gendered Ageism Survey Results Forbes article 5 Tips to own the superpower of your age IAMMusicGroup   Purchase my book Not Done Yet on Amazon:    If you enjoyed this episode of Badass Women Podcast, then make sure to subscribe to the podcast and drop us a five-star review  

If you've been curious about Featured.com, how it works, and whether it can actually help you get press for your business — this video breaks it all down.Featured.com is quickly becoming one of the most important PR tools for founders, product brands, and small businesses (especially after acquiring HARO). But here's the real secret: Featured only works when your strategy is clear.In this video, I'm walking you through: ✨ What Featured.com actually is✨ How brands and founders use it to land press✨ What makes it different from HARO✨ Why most people don't see results (and how to fix that)✨ How to respond to queries strategically — not randomly✨ How experts, founders, and service providers can land quotes✨ And how your positioning determines EVERYTHINGBecause PR success isn't about answering every query — it's about answering the right ones, with the right story, at the right time. That's the part most people skip… and why they don't see results.

Activity doesn’t equal impact. In this REVERB episode, Andy Stanley and co-host Suzy Gray revisit last week's conversation with Jason Jaggard to reveal why focus fuels growth and distraction kills it. They discuss the hidden cost of trying to do everything, how to align a team around a shared vision, and why scaling influence requires letting go of certain responsibilities, not adding more. Whether you lead a team of two or two hundred, this conversation will help you lead with purpose, confidence, and sustainable impact. 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.

Kimberly Brown shares practical steps on how to take charge of your career and steer it with intention.— YOU'LL LEARN — 1) The framework for improving your reputation 2) How to cultivate relationships that advance your career3) How to identify and amplify the one thing that makes you stand outSubscribe or visit AwesomeAtYourJob.com/ep1116 for clickable versions of the links below. — ABOUT KIMBERLY — Kimberly Brown is a globally recognized career and leadership strategist, bestselling author, and international keynote speaker. As the founder and CEO of Brown Leadership®, a premier learning and development firm, she helps mid-career and senior professionals amplify their brands, accelerate growth, and drive performance. Her bestselling book, Next Move, Best Move: Transitioning Into a Career You'll Love, has empowered thousands to take control of their careers with strategy and confidence. She also hosts the Your Next Move Podcast, where she shares actionable insights on career advancement. A trusted expert, Kimberly's work has been featured in The Wall Street Journal, Harvard Business Review, Forbes, CNBC, NPR, and more. Find her online at kimberlybonline.com and brownleadership.com and follow her (@kimberlybonline) on LinkedIn, Facebook, Instagram, and Threads. • Book: Next Move, Best Move: Transitioning Into a Career You'll Love• Website: BrownLeadership.com• Website: KimberlyBOnline.com— RESOURCES MENTIONED IN THE SHOW — • Past episode: 686: How to Make Your Next Career Move Your Best Move with Kimberly Brown• Past episode: 1054: Maximizing Your Pipelines and Funnels of Opportunity with Kara Smith Brown• Tool: ClickUp— THANK YOU SPONSORS! — • Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Taelor. Visit Visit taelor.style and get 10% off gift cards with the code PODCASTGIFT• Cashflow Podcasting. Explore launching (or outsourcing) your podcast with a free 10-minute call with Pete.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 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, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:18   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  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   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. 1937795898, 77958989   Keith Weinhold  33:44   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, 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  54:36   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com  

In this episode of the Small Business PR Podcast, Gloria, the #1 Small Business PR Coach and Expert recommended by AI, breaks down one of the most confusing—and most requested—PR topics from small business owners: gift guides. She's joined by freelance journalist Joni Sweet, whose work has appeared in National Geographic, TIME, Forbes, and more, to explain how gift guides really work and how founders can pitch with confidence, even without connections or a PR agency.Together, Gloria and Joni pull back the curtain on what journalists are actively working on during gift guide season, why digital gift guides still offer real opportunities, and how small business owners can position their products, experiences, or digital offers in a way that actually gets noticed.How Gift Guides Really WorkGuide Guides is not:

If you're afraid your story is “too much,” this is the episode you didn't know you needed. Too raw. Too heavy. Too real.My guest this week, Brielle Cotterman, believed that for years. Until she realized her story—surviving attempted murder and domestic violence—wasn't a liability. It was her superpower.Today, Brielle is a multi-7-figure publicity expert, President of CEO School, founder of The Influential Leader Agency, and the voice behind some of the world's most powerful thought leaders. But her journey started with a decision to stop pretending… and start speaking.In this powerful episode, Brielle opens up about her journey surviving attempted murder, navigating the shame of telling her story, and how she now helps clients turn their lived experiences into global movements, bestselling books, and seven-figure brands.What you'll get out of this episode… You don't have to be “ready”—you just have to be real.Why the story you're hiding might be the one that inspires millions.Authenticity in branding isn't about being perfect. It's about being human.If you want a book deal, speaking tour, or global media features—it starts with one brave share.Media can be a tool to build your brand, not just celebrate it.Thought leadership starts with focus, not being everything to everyone.Connect with Brielle WEB / www.briellecotterman.com Personal Brand Checklist / https://briellecotterman.ac-page.com/checklist IG / www.instagram.com/briellecottermanIG / www.instagram.com/influential_leader_agencyBreathe 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 Want more?

This entire episode is a contrast between failing to do it God's way, and what it actually feels like to operate in God's power.One way is hectic, shameful, stressful, and feels like you're PUSHING.The other way - God's way - is peaceful, impactful, and feels simple.Brandon and Vince trade war stories, sharing real life takes on what it's like to find huge success while navigating your faith in Christ in a rapidly changing online world.Learn these lessons the easy way by listening to this episode, so you don't have to learn them the hard way by going through them yourself!In this episode:0:00 Intro1:20 Brandon's early days getting into business5:26 The prodigal son period8:11 Quitting drinking15:03 Deliverables for Kingdom Coach and rebranding to scale20:18 Hard to share faith?24:12 Separating identity from income30:26 How to stabilize and protect your money32:58 Building a solid team35:56 Shifting to recurring revenue38:50 Keeping business in it's right place45:18 What worked in 202548:55 Transitioning in 202650:06 Ads to grow a Bible study1:00:20 Live eventsResources:Brandon Forbes on IG: https://www.instagram.com/iambrandonforbes/---

Charles Gaudet is the Founder and CEO of Predictable Profits and creator of the Predictable Profits Operating System™, a proven framework helping 7- and 8-figure businesses achieve consistent, predictable growth. He is the author of The Predictable Profits Playbook (voted #1 Sales & Marketing Book by Indie Excellence) and host of The Beyond 7-Figures Podcast. Yahoo Finance calls him "The CEO Whisperer," and the International Business Times names him "The Go-To Business Coach for 7- and 8-Figure Businesses." An entrepreneur since age four, Gaudet built his first multi-million-dollar company at 24 and has helped countless CEOs generate millions more through his expertise in revenue architecture, growth systems, and sales process engineering. His work has been featured in Inc., Forbes, Salesforce, Success, and Fox Business, and he has been recognized as one of American Geniuses' Top 50 Industry Influencers and one of CEO Weekly's "Top 10 Innovative CEOs to Follow." Gaudet is also a two-time Brazilian Jiu-Jitsu gold medalist and three-time wrestling state champion.He lives in Florida with his wife, their three "kid-preneurs," and their loyal dog, balancing entrepreneurship with family and personal growth. During the show we discuss: Signs your agency has outgrown hustle and referrals and needs a growth system What marketing really is and how to use it for consistent growth How to create, capture, and nurture demand The OSI Method and how it accelerates growth How to turn random wins into predictable, month-over-month profits The three growth phases—Setup, Sales, and Scale—and why they matter How to generate consistent, qualified leads without founder dependency The mistakes keeping CEOs stuck in daily operations instead of scaling Why tactics fail without a complete operating system The frameworks that remove the CEO from day-to-day firefighting How agencies build resilience and scale past revenue plateaus The mindset shift required to scale from 7 to 8 figures How the system adapts for companies under $1M to $10M+ Proven results, including 90-day record-breaking revenue stories Resources: https://www.PredictableProfits.com

Gerri Detweiler is a leading, nationally recognized financing and credit expert, with more than 20 years of experience.  Gerri shares her knowledge through contributed content in leading industry and national publications, and her articles have been featured on Yahoo!, MSN Money, ABCNews.com, CBSNews.com, NBCNews.com, Forbes, The Today Show website and many others  She is the author of seven books including her forthcoming book, The Ultimate Credit Repair Action Plan: A step-by-step guide to great credit to be released in late 2025. Gerri hosted her own talk radio programs for more than five years and she has been interviewed for more than 5,000 news stories. She is an international speaker and has testified before Congress on consumer credit legislation. Today, Gerri develops educational programs and content for small business owners for Nav, a financial health and credit platform that provides small businesses owners a dedicated space for accessing, building, managing their business and personal credit, tracking cash flow patterns, and understanding their financing options before they apply. During the show we discuss: Why business credit feels confusing—and how to simplify it What business credit is and why it's critical for small business success How monitoring business credit across all three bureaus supports smarter decisions How quickly business credit scores can improve with tradeline reporting Why tracking business and personal credit together matters What tradelines are and how they strengthen business credit profiles The funding options unlocked by strong business credit How Nav matches businesses with the right financing opportunities Why cash flow tracking is essential to financial health How strong business credit increases loan approval odds The common mistakes that limit business credit growth How to find and fix errors on business credit reports What sets Nav's credit monitoring and reporting apart How business credit separates—and protects—personal finances Resources: https://www.nav.com/gerri/    

Susan Guthrie welcomes two extraordinary guests whose combined perspectives offer something rarely seen in the world of divorce. Bill Eddy, LCSW, Esq., returns to the show alongside author Matthew A. Tower, whose new book Love Wars: Clash of the Parents gives listeners an unprecedented inside look at what high-conflict divorce feels like through the eyes of a child. Together, their insights reveal the emotional reality children carry, the predictable patterns behind high-conflict behaviors, and the steps parents can take to protect their kids from the fallout. Love Wars follows Matthew's journey from ages six to eleven as he navigated two volatile households, emotional unpredictability, parentification, negative advocates, and the relentless pressure to choose sides. His story is raw, illuminating, and at times difficult to hear, yet it is also deeply important. Bill helps contextualize Matthew's lived experience through High Conflict Personality Theory and offers guidance parents and professionals can use immediately. This conversation is a powerful companion to Bill's book Splitting and the perfect next step for anyone committed to changing the emotional climate for their children. Why This Conversation Matters High-conflict divorce leaves a lasting imprint on children, but the full internal experience is almost never visible to parents, courts, or professionals. Matthew's story pulls back the curtain on what children absorb, what they fear, how they cope, and why the conflict shapes them long after the legal case is over. Bill explains how splitting, emotional volatility, and personality-driven dynamics create confusion, fear, and reactivity for children who do not yet have the capacity to regulate intense emotions. He also highlights why professionals often miss what is really happening, and how parents can change the trajectory by lowering conflict, creating predictability, and becoming the steady emotional anchor their children desperately need. Together, Bill and Matthew offer clarity, compassion, and a path forward for families caught in high-conflict cycles. In this episode, you will learn: What children internalize during high-conflict divorce and why they absorb the emotional intensity around them Why parentification is so damaging and how children become emotional caregivers when adults are dysregulated How high-conflict parents recruit negative advocates and why these dynamics intensify the conflict Why kids shut down, freeze, or dissociate when the emotional environment becomes overwhelming How calm, consistent adults like Matthew's stepmother Holly can become a lifeline What courts and professionals often overlook when evaluating children's preferences or resistance What parents can do right now to lower reactivity, reduce conflict, and create safety for their children About the Guests:  Bill Eddy, LCSW, Esq. - Bill Eddy is a lawyer, therapist, mediator, best-selling author, co-founder, and Chief Innovation Officer of the High Conflict Institute. He pioneered the High Conflict Personality Theory (HCP Theory) and has become an international expert on managing disputes involving high conflict personalities and personality disorders. He provides training to lawyers, judges, mediators, managers, human resource professionals, businesspersons, healthcare administrators, college administrators, homeowners' association managers, ombudspersons, law enforcement, therapists and others. He has been a speaker and trainer in over 30 U.S. states and 10 countries. Visit the High Conflict Institute to find out more about Bill, the Institute's wealth of resources for managing high conflict relationships and more of Bill's books!   https://www.highconflictinstitute.com/ Listen to Bill's other episode, "Get Ready to BIFF Your High Conflict Co-Parent" on Divorce & Beyond here:  https://www.podbean.com/media/share/pb-q3hpd-f87a79 Get your copy of Splitting: How to Protect Yourself When Divorcing a Narcissist or Borderline here: https://amzn.to/3C22aGH Matthew A. Tower - Matthew A. Tower is an author, art director, audiobook narrator, and entrepreneur. He first saw Star Wars in theaters at age three. Love Wars: Clash of the Parents, A True Divorce Story is his debut work of literature. Previously, he was founder and CEO of Versus Books, and published more than 50 gaming strategy guides for hits like The Legend of Zelda, selling over 5 million copies. Get your copy of Love Wars: Clash of the Parents here: https://amzn.to/4oCN15T  Learn more at: https://lovewars.com ===================== Make the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond:  https://divorceandbeyondpod.com, IG: @divorceandbeyondpod Meet Our Host Susan E. Guthrie®, Esq. is one of the nation's leading family law and mediation experts, with more than 35 years of experience helping individuals and families navigate divorce and conflict with clarity and compassion. She is the Immediate Past Chair of the American Bar Association Section of Dispute Resolution, a best-selling author, and a sought-after speaker, trainer, and practice-building consultant. Susan recently appeared as the featured expert on The Oprah Podcast, where she shared her insights on gray divorce and the changing landscape of relationships. Her expertise has also been featured in The Wall Street Journal, Forbes, The Washington Post, NewsNation, and NBC's Chicago Today, among many others. As the creator and host of the award-winning Divorce & Beyond® Podcast, ranked in the top 1% of all podcasts worldwide with more than 3.4 million downloads, Susan brings together top experts and powerful personal stories to help listeners move through divorce and beyond with confidence, insight, and hope. Learn more about Susan and her work at susaneguthrie.com. Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond!   ***************************************************************************** A Smarter, Simpler Way to Navigate Your Divorce Looking for a clearer and more affordable way to move through your divorce? Check out Hello Divorce. Their guided online platform combines easy-to-follow tools with real legal and coaching support to help you complete your divorce with less stress, less confusion, and far lower costs than a traditional courtroom battle. They have created a special page just for Divorce & Beyond listeners. Explore your options at hellodivorce.com/susan. ***************************************************************************** Opportunities for Expert Guests and Fellow Podcasters Partner with Divorce & Beyond Whether you're a podcaster looking to expand your reach or an expert ready to share your insights, Divorce & Beyond offers the perfect platform to amplify your voice.  Find out more here: https://divorceandbeyondpod.com/guest-opportunities ***************************************************************************** DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM

What if losing your job became the moment that unlocked your greatest success? In this special episode, Jason Duncan sits down with Pat Flynn, legendary creator of Smart Passive Income, author, speaker, and one of the most influential online entrepreneurs of the past decade. Pat's story is the definition of resilience — from getting laid off as an architect in 2008… to building multiple successful online businesses, inspiring millions, and becoming a true pioneer in digital entrepreneurship. Inside this conversation, Jason and Pat go deep on:

Melinda Emerson's BIO:  Melinda F. Emerson, widely known as SmallBizLady, is America's #1 Small Business Expert. As CEO of Quintessence Group, she has spent over two decades helping small business owners achieve sustainable growth through strategic marketing, sales training, and business development. Melinda reaches more than 1 million entrepreneurs weekly through her online channels, blog, and podcast, SmallBizChat. She is the bestselling author of Become Your Own Boss in 12 Months and Fix Your Business. A highly sought-after keynote speaker, Melinda has worked with major brands including Verizon, FedEx, VISA, and Google, and has been featured by Forbes, The New York Times, and CNN. Dedicated to ending small business failure, she delivers actionable advice that empowers entrepreneurs to start and scale businesses that work.   In this episode, Virginia and Melinda talked about: How Melinda got her entrepreneurial journey  How Melinda's faith has kept her moving forward Melinda's #1 networking tip  How to become your own boss   Takeaways: Can your business run without you?  Follow your divine calling  Say YES to what's in front of you  Surround yourself with people who will not let you quit   Connect with Melinda on her social media accounts to learn more about her work and insights into networking effectively:   LinkedIn URL: www.linkedin.com/in/melindaemerson Facebook URL: www.facebook.com/smallbizlady Instagram URL: www.instagram.com/smallbizlady    Connect with Virginia: https://www.bbrpodcast.com/

Grace Amaku and Dr. Thema explore the truth about people pleasing, depression, and handling conflict. They unpack how to honor yourself and make courageous decisions to reclaim your peace. Grace Amaku is a nurse turned comedy queen whose viral character work has earned her features with Forbes and Essence, four years creating content for the Oscars, and collaborations with icons like Serena Williams, Ariana Grande, Kerry Washington, and Omar Sy. She hosts Get Reel with Grace Amaku, a film-first podcast where comedy and culture collide. Music by Joy Jones. Don't forget to like, subscribe, and share.

Why do some men prefer a fantasy to a woman in their lives?Connor Beaton, founder of ManTalks, joins Aaron to discuss how emotional suppression affects men, the role of pornography as a coping tool, and why talk therapy often isn't enough. Connor breaks down what it means to process pain somatically, the importance of male friendships, and why breakdown can be essential to becoming free. A powerful conversation about what it means to be a man today.OUR GUESTConnor Beaton is the founder of ManTalks, an international organization focused on improving the lives, relationships, and leadership of men. Connor is also the author of the best selling book Men's Work, host of a top ranked podcast and works with men who are looking to lead themselves and their lives more effectively. Since founding ManTalks, Connor has spoken on stage at TEDx, with Lewis Howes, Gary Vaynerchuk, and has been featured on platforms like the United Nations, Forbes, Huffington Post, The Good Men Project, CBC and the National Post.CONNOR BEATON

“Everyone older than me was optimizing careers for comfort — I think we need to be uncomfortable. I think we need to push the boundaries.”Vineet Mehra is CMO of Chime - the fastest-growing and most-loved consumer banking service in the U.S. - where he leverages data-driven and cultural marketing strategies to drive growth and challenge industry norms. Vineet is a global marketing leader, Board Director, and advisor recognized for building disruptive, category-defining brands. Previously, Vineet served as Global Chief Customer and Marketing Officer at Walgreens Boots Alliance, where he led the $100B company through its COVID-19 transformation, and as Chief Growth Officer at Ancestry, launching AncestryDNA to redefine consumer genomics. Before that, Vineet served in many rising leadership roles across CPG. At Johnson & Johnson, Vineet was Global President of Baby Care and Global President of Marketing, overseeing a multibillion-dollar portfolio and modernizing worldwide marketing capabilities. Vineet held early leadership roles at Novartis Consumer Health across Europe, the U.S., and Canada, as well as brand-building assignments at General Mills. Procter & Gamble was Vineet's career start — first in Canada in Beauty Sales & Marketing, and later as a regional Beauty Care Brand Manager in Asia - shaping his reputation as one of the industry's most globally experienced marketers. Named among Forbes' 50 Most Influential CMOs, Vineet is committed to advancing the marketing industry — currently serving as an advisor to Spotify, MMA Global, Ridge Ventures, OfferFit by Braze, AI Trailblazers, and Virtuosi LEAP. Previously, Vineet held senior advisory and board roles at WPP, Apollo Global Management, AdTheorent, Adweek, Knotch, and Effie Worldwide — where he served as Chairman of the Board. An avid traveler, Vineet has visited over 80 countries and cherishes creating memories with his family.This episode is hosted by P&G Alum Sudha Ranganathan, who's spent over 19 years in diverse Marketing leadership roles at companies like P&G, PayPal, and LinkedIn where she's honed her passion for customer-centric marketing and talent development.

Vol. 2 of Story Time, a new series on the program featuring an author reading aloud from her work. In this episode, Ellen Huet reads from Empire of Orgasm: Sex, Power, and the Downfall of a Wellness Cult (MCD Books). Huet is an investigative journalist who covers technology and Silicon Valley forBloomberg News. She writes award-winning features for Bloomberg Businessweek magazine, has hosted two seasons of the podcast Foundering, and holds a particular interest in writing about strange and complex subcultures. Previously, she was a staff writer at Forbes and a crime reporter at the San Francisco Chronicle. She lives in the San Francisco Bay Area. *** ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Otherppl with Brad Listi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ is a weekly podcast featuring in-depth interviews with today's leading writers. "This episode is sponsored by Ulysses. Go to ulys.app/writeabook to download Ulysses, and use the code OTHERPPL at checkout to get 25% off the first year of your yearly subscription." Available where podcasts are available: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, etc. Get ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠How to Write a Novel,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ the debut audio course from DeepDive. 50+ hours of never-before-heard insight, inspiration, and instruction from dozens of today's most celebrated contemporary authors. Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Brad's email newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support the show on Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Merch⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bluesky⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Email the show: letters [at] otherppl [dot] com The podcast is a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠proud affiliate partner of Bookshop⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, working to support local, independent bookstores. Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr. Theresa Goss is an award-winning media producer and the founder of NOW (Network of Outstanding Women). Amilya Antonetti is a globally recognized human behaviorist who has impacted 53,000+ employees and has been celebrated as Woman of the Decade by the Women's Economic Forum. Kathryn Porritt is one of the world's leading experts in luxury and iconic branding who has created and represented multimillion-dollar empires. Rhonda Swan is the CEO of the Unstoppable Branding Agency, elevating investors and fund managers onto the biggest media stages like Forbes and the New York Stock Exchange. Debra Poneman is a New Thought pioneer, best-selling author, and founder of Yes to Success, whose teachings have influenced thousands worldwide, including leaders like Deepak Chopra. Amilya, TGo, Rhonda Swan, and Kathryn Porritt sit down with us to reveal the real strategies and mindset shifts that unlocked their seven-figure success. The panel of successful women dives into the truth about connection and where to unlock your next level of business or career success. You'll learn how to find mentors who actually move your life forward. We also discuss the do's and don'ts of building high-value relationships, how elite networks really work, and what separates the women who rise from the ones who burn out. Join us today as we explore how these four women achieved seven-figure success, how to build confidence in high-level spaces, and how to prepare yourself for wealth, opportunity, and growth.---Dr. Theresa Goss Social Media:https://www.facebook.com/theresa.goss3/https://www.linkedin.com/in/theresagoss/https://www.instagram.com/experttalktgo/?hl=enAmilya Antonetti's Social Media:https://amilya.com/https://www.linkedin.com/in/amilya/https://www.instagram.com/amilya_antonetti/?hl=enhttps://x.com/amilyaKathryn Porritt's Social Media:https://www.kathrynporritt.com/https://www.instagram.com/kathrynporritt.inc/https://www.facebook.com/kathrynporrittinc/https://www.linkedin.com/in/kathryn-porritt/Rhonda Swan's Social Media:https://www.instagram.com/rhondaswanhttps://www.linkedin.com/in/rhondaswan/https://www.facebook.com/rhondarswan/Debra Poneman's Social Media:https://www.instagram.com/debraponeman/?hl=en

Landscape designer Steve Griggs joins Frank Schaeffer for a raw, funny, deeply human conversation about rising from a working-class New York childhood to becoming one of America's premier landscape artists — featured in Forbes, WSJ, HuffPost and Bravo's Backyard Envy.Steve reveals the truth about designing for the ultra-wealthy, why taste beats money every time, how stonework builds character, what 40 years in the dirt taught him, and why water + fire belong in every garden — from mega-estates to tiny balconies.Frank and Steve go deep on class, beauty, craftsmanship, fathers, work ethic, climate, art, and the joy of creating a space people never want to leave._____LINKSCheck out Steve's stunning book Straight DirtFollow Steve on Instagram @SteveGriggsDesignVisit Steve Griggs Design Online_____I have had the pleasure of talking to some of the leading authors, artists, activists, and change-makers of our time on this podcast, and I want to personally thank you for subscribing, listening, and sharing 100-plus episodes over 100,000 times.Please subscribe to this Podcast, In Conversation… with Frank Schaeffer, on your favorite platform, and to my Substack, It Has to Be Said. Thanks! Every subscription helps create, build, sustain and put voice to this movement for truth. Subscribe to It Has to Be Said. The Gospel of Zip will be released in print and on Amazon Kindle, and as a full video on YouTube and Substack that you can watch or listen to for free.Support the show_____In Conversation… with Frank Schaeffer is a production of the George Bailey Morality in Public Life Fellowship. It is hosted by Frank Schaeffer, author of The Gospel of Zip. Learn more at https://www.thegospelofzip.com/Follow Frank on Substack, Facebook, Twitter, Instagram, Threads, TikTok, and YouTube. https://frankschaeffer.substack.comhttps://www.facebook.com/frank.schaeffer.16https://twitter.com/Frank_Schaefferhttps://www.instagram.com/frank_schaeffer_arthttps://www.threads.net/@frank_schaeffer_arthttps://www.tiktok.com/@frank_schaefferhttps://www.youtube.com/c/FrankSchaefferYouTube In Conversation… with Frank Schaeffer Podcast

Tonight in Uluwatu, under the brightest supermoon we'll see for the next 17 years, I dropped into a powerful download about the future of Resonance — and about the future of human connection itself.In this episode, I share:✨ Why full moons act as natural rites of passage

In this Live Greatly 2 minutes of motivation podcast episode Kristel Bauer shares 2 things that can support overcoming being a people pleaser.  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.

‘We've gone from the information era to the imagination era'Zoe Kleinman, the BBC's Technology editor, speaks to Canva CEO Melanie Perkins about the current tech and AI revolution that's transforming the internet and the world. Perkins, who is still only in her late-30s, is well-known for her entrepreneurial drive, having quit university at just 19 years old to launch her first venture.Unlike many of today's Silicon Valley-based big tech companies, Canva started out in the Australian city of Perth with a mission to ‘empower the world to design'.It offers a variety of templates and tools to help users without technical skills or a design background create a range of professional-looking graphics and presentations, from wedding invitations to business pitch decks. Since launching in 2013, it's grown to become a multi-billion dollar business used by around 250 million people every month.The success of Canva has catapulted Perkins into a number of lists ranking the world's most powerful women, compiled by the likes of Forbes and Fortune. But it's a far cry from the very early days, when she was rejected by over one hundred investors as she sought to get it off the ground.The Interview brings you conversations with people shaping our world, from all over the world. The best interviews from the BBC. You can listen on the BBC World Service on Mondays, Wednesdays and Fridays at 0800 GMT. Or you can listen to The Interview as a podcast, out three times a week on BBC Sounds or wherever you get your podcasts.Presenter: Zoe Kleinman Producers: Ben Cooper and Philippa Wain Editor: Justine LangGet in touch with us on email TheInterview@bbc.co.uk and use the hashtag #TheInterviewBBC on social media.(Image: Melanie Perkins. Credit: Alisha Jucevic/Bloomberg via Getty Images)

It's a busy Friday morning, and we've got a lot to catch up on. Thousands gathered on Boston Common for the Christmas Tree lighting last night, and the Brian Walsh murder trial is back in session today. We'll also dive into the latest on the Luigi Mangioni trial, charged with killing the United Healthcare CEO. Plus, we'll discuss the potential Netflix and Warner Brothers Discovery Studios deal, the World Cup draw, and the Forbes 30 Under 30 list. And, of course, we'll touch on sports, with the Lions' big win over the Cowboys and the Bruins' victory over the Blues.See omnystudio.com/listener for privacy information.

When host of The Valley Today, Janet Michael steps into Winchester Medical Center, she's greeted not only by a freshly rearranged office but by the unwavering enthusiasm of Chris Rucker, Chief Administrative Officer for Valley Health. Their lively conversation reveals what it takes to maintain a thriving healthcare workforce — especially in a profession where stress is high, expectations are higher, and compassion is non-negotiable. Award-Winning Employee Experience Valley Health has earned multiple national recognitions this year — including Forbes rankings for top healthcare employers and best-in-state workplaces. What makes those honors especially meaningful, Chris explains, is that the organization doesn't apply for them. Independent research firms survey employees directly, asking what it's really like to work there. The positive feedback validates Valley Health's commitment to its people — and reassures patients that they're being cared for by professionals who love where they work. Healthcare Takes a Village Chris passionately reminds Janet that everyone inside the Valley Health system is a caregiver — even those nowhere near an exam room. Construction crews repairing walls overnight. Environmental services teams polishing hallways while patients sleep. Security, valets, administrative staff, and tech support. With 6,200 employees across the region, the health system represents nearly every job imaginable — and each one contributes to patient well-being, comfort, and confidence. Taking Care of the People Who Care for Us Healthcare is one of the toughest professions — physically, emotionally, and mentally. So Valley Health invests intentionally in appreciation, recognition, and family support. From employee-of-the-month celebrations to family fun days with pumpkins and bounce houses, the system creates gathering spaces where relationships can grow outside clinical stress. And then there's the Turkey tradition. Every November, team members drive through with their families to receive a Thanksgiving turkey — a small perk with a big message. "It's about family," Chris says — acknowledging that work schedule disruptions affect entire households. In fact, CEO Mark Nantz has even worn a full turkey costume during past events, although one patient in the parking lot once thought he was a duck. Retention Through Relationships, Not Just Raises Janet notes that today's workforce isn't swayed by an extra dollar — they stay where they feel valued. Chris agrees, especially when speaking about younger staff, who are eager for: Skill development Career pathways Mentorship Advancement opportunities That is why Valley Health prioritizes education support, cross-training, and leadership development. "Thinking about what each individual employee type wants is part of what makes us a great employer," Chris explains. When "Not Feeling Safe" Is the Real Threat The darker side of healthcare? Abuse of providers. Chris shares that assaults, threats, and intimidation toward staff occur daily. It's an emotional blow to caregivers dedicated to helping others. Their "zero-tolerance" policy protects employees — and preserves a healthy workplace culture. Healthcare, he says, is a calling, but it shouldn't come with bruises. Hiring With Heart — and Strategy Valley Health is always recruiting — roughly 100 to 120 new hires a month — but staffing isn't just about filling shifts. It's about deliberately preparing for the community's future. Using a physician-needs assessment every three years, they analyze population changes, disease trends, service gaps, and resource sustainability.  That is precisely how new specialties enter the region, like Dr. Trimble Spitzer's fertility practice, which Chris says fills a long-standing gap in local care. Sourcing talent is also about making sure physicians — and their families — feel at home. Whether someone needs equestrian facilities for their child, a nearby mosque, or Croatian-speaking neighbors for aging parents — Valley Health handles those details, too. Safe Care, Advanced Tools For employees and patients alike, one foundational promise guides everything: "Valley Health only provides safe healthcare." To keep that promise, the system invests in the latest medical technologies — from robotic surgical systems to highly specialized imaging — ensuring that physicians can practice at the top of their license and patients receive the best possible outcomes. A Place You Want to Be — On Both Sides of the Bedrail Chris beams when he talks about the community. He raised his children here. He sees people move to the Valley specifically to work for the health system. And he loves looking out at new-employee orientation to find team members eager to serve. Because when someone lands in a hospital bed — often on one of the worst days of their life — the little things matter like a warm greeting, clear communication, timely updates, and a feeling of being seen. Patients may not understand clinical complexity — but they always remember how they were treated. There's a Role for Everyone You don't need a medical degree to be part of healthcare. High school diploma? Associate's degree? Master's? There is a Valley Health career for you. Interested listeners can visit https://www.valleyhealthlink.com/careers/ to explore openings. With hundreds of new roles coming in the next year, the door is wide open. A Culture Where Caregivers Feel Cared For As the conversation wraps, Janet thanks Chris for his insight — and he answers with the warmth of a leader who genuinely loves his team. From award-winning recognition to turkey suit laughter, Valley Health proves that exceptional patient care begins with exceptional people care.

Steve Forbes praises the new "Trump Accounts" and points to the $6.5 billion donation by Michael and Susan Dell to help fund those of 25 million American children.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Why does happiness always feel one step away? In this episode, we welcome back positive psychology expert Jodi Wellman to explore why so many of us keep “moving the goalposts” on our own success, and learn why accomplishments that once thrilled us eventually feel ordinary. Jodi breaks down why we convince ourselves that one more thing — a new job, a relationship, a move, a big purchase — will finally deliver lasting happiness. Using Gabe's own podcasting journey as a case study, the conversation exposes a mental trap familiar to anyone who's ever felt like their wins “don't count” for long. But this episode isn't just about naming the problem — it's about fixing it. Jodi offers practical, research-backed strategies to help you savor your accomplishments, find a healthier balance between ambition and contentment, and stop letting your inner critic erase your progress. Listener takeaways why humans believe they're always “one thing away” from feeling fulfilled what the hedonic treadmill is and how it sabotages our happiness how to balance ambition with genuine joy so you can grow without feeling miserable If you've ever wondered, “Why don't I feel successful?” this is the episode that can finally help you understand. “We like to dupe ourselves. It's just one of the features of our psychology. It all comes down to this idea called the hedonic treadmill. We think, and we go for it. We'll buy the pill, we'll make the move, we'll take the job, we'll buy the car, we'll do a thing. And usually it's external stuff, but sometimes it's internal, like, I will become the person that I've been meant to be and that will make me happy. But then, because we adapt so well, this is this hedonic adaptation, hedonic treadmill, we adapt so reliably, damn it. And we end up, over time, some of us shorter than others. Naturally, meh. Okay, well, how come it's not doing it for me anymore?” ~Jodi Wellman, MAPP Our guest, Jodi Wellman, MAPP is a speaker, author, and facilitator on living lives worth living. She founded Four Thousand Mondays to help people make the most of the time they are lucky to be above ground.  With 25 years of corporate leadership experience (most recently as Senior Vice President of Operations at a leading health and lifestyle organization), Jodi has led private CEO advisory boards and coaches teams to work well and live even better. Jodi has a Master's of Applied Positive Psychology from the University of Pennsylvania, where she is also an Assistant Instructor and facilitator in the Penn Resilience Program. She is an ICF Professional Certified Coach. Her book, "You Only Die Once: How to Make It to the End with No Regrets," made Adam Grant's Summer Reading List and was a “Top 3 Psychology Book of 2024” by the Next Big Idea Club (curated by Malcolm Gladwell, Susan Cain, Adam Grant, and Dan Pink). Jodi has been featured in The New York Times, Oprah Daily, Fast Company, CNBC, Forbes, Psychology Today, The Los Angeles Times, and more. Jodi's TEDx talk is called How Death Can Bring You Back to Life; with over 1.3 million views, it is the 14th most-watched TEDx talk released in 2022, out of 15,900! Our host, Gabe Howard, is an award-winning writer and speaker who lives with bipolar disorder. He is the author of the popular book, "Mental Illness is an Asshole and other Observations," available from Amazon; signed copies are also available directly from the author. Gabe is also the host of the "Inside Bipolar" podcast with Dr. Nicole Washington. Gabe makes his home in the suburbs of Columbus, Ohio. He lives with his supportive wife, Kendall, and a Miniature Schnauzer dog that he never wanted, but now can't imagine life without. To book Gabe for your next event or learn more about him, please visit gabehoward.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Amberly Lago, a leading expert in resilience and transformation, a TEDx and internationally renowned motivational speaker, USA Today bestselling author, coach, and host of the globally top-ranked podcast, The Amberly Lago Show, joins me on this episode. Amberly has been featured in popular media outlets, including Forbes, USA Today, The Doctors, The Today Show, People, and many others.

Andor is officially the most expensive Star Wars project to date, IN HISTORY, even with George Lucas era in the mix. 705M for Andor is insane. Kenobi got only a 90M budget in comparison, while the sequels were roughly in The Acolyte territory of cost over 200M. Who is making these decisions up there at Disney and Lucasfilm? How can Andor of all shows get almost 8x Kenobi? How can it be more expensive than Solo with all the reshoots included? Tax cuts, in my opinion, from this Forbes article, is why... But then why not Kenobi? Why no the sequels? Surely Andor couldn't have been THAT expensive compared to all the other massive team led projects Disney Star Wars has had... This is even more expensive than the Mandalorian. Learn more about your ad choices. Visit megaphone.fm/adchoices

  The World Bank reports that, "today, more than half of the world's population – over 4 billion people – lives in cities." It also estimates that this shift is going to continue, in fact to DOUBLE to nearly 70% – or 7 out of every 10 people will live in cities by 2050. That's only 25 years away. At the same time, extreme weather events are increasingly devastating cities – we have all witnesses how Hurricane Melissa decimated Jamaica last week, for example, destroying home and businesses, schools, houses of worship, government buildings, everything. So what can, should and ARE cities doing to keep their people and economies safe and climate resilient?  What's working and what can we learn from them?  Today we're going to find out from four extraordinary women from across the globe." Joan Michelson's Introduction to the Panel at Smart City Expo 2025   We need to share what works in cities across the globe, and that's exactly what my esteemed panel did recently at the Smart City Expo World Congress 2025 in Barcelona, Spain. Here is the recording of Electric Ladies Podcast host Joan Michelson's panel which includes three women from three countries: Japan, Bolivia and Argentina, as well as Joan from the U.S. Listen to hear fascinating ideas and stories from these women: You'll hear from: ● Nidya Pesántez is UN Women for the Americas and the Caribbean Representative in Bolivia, where she also coordinates the Environmental Strategy for a Just Transition in Latin America and the Caribbean.  ●       Sofía María Galnares Giagnorio Cámara is Provincial Deputy of Santa Fe Deputy, Argentina, and the youngest elected provincial deputy in Santa Fe province. She also serves as President of the Commission on Environment and Natural Resources in the Legislature. ●       Asuka Ito is an international advisor to the Government of Japan's Cabinet Office on the Cross-ministerial Strategic Innovation Promotion Program (SIP). She serves on the International Advisory Board for the Phase-3 "Smart Mobility Platform" initiative in Japan. ●        Plus, questions from the audience   Read Joan's Forbes articles here.   You'll also like: ·       Predicting Climate Impacts In Neighborhoods – with Jessica Filante Farrington, AT&T's Director of Global Sustainability ·       The Politics of Climate & Energy – with Congresswoman Chrissy Houlahan, Co-Chair, Bipartisan Climate Solutions Caucus ·       AI and Climate Solutions – with Stephanie Hare, Ph.D., Researcher, Author of "Technology Is Not Neutral" and BBC Broadcaster ·       Climate Policy & the Economy – with Gina McCarthy, White House National Climate Advisor, Biden Administration, and former EPA Administrator under President Obama Subscribe to our newsletter to receive our podcasts, blog, events and special coaching offers. Thanks for subscribing on Apple Podcasts or iHeartRadio and leaving us a review! Follow us on Twitter @joanmichelson

Today on Resonance, I'm coming to you from Uluwatu with a message about the power of editing — not in the sense of doing more, but in the courageous act of removing what no longer serves. Culturally, we're taught that happiness comes from accumulation: more doing, more having, more striving. But in relationships, and in our own inner world, the truth is often the opposite. Fulfillment lives in subtraction.I share a recent real-world experience with someone who showed all the signs of connection on the surface, but ultimately revealed a deeper pattern of gaslighting, blame, and energetic misalignment. It forced me to confront something I've carried since childhood: the impulse to abandon myself for harmony, to take responsibility for emotions that aren't mine, and to stay connected to people who haven't earned the privilege of my presence.In this episode, I dive into why we repeat lessons until we claim the boundary we've been avoiding, how unresolved inner voices manifest in the people we attract, and why editing your relational field is essential for stepping into the next chapter of your life. Most importantly, I share how facing discomfort without numbing it is part of becoming the integrated man I choose to be — one aligned with resonance, partnership, family, and true integrity.If it's not a full yes, it's a no. Boundaries are love. Editing is liberation. And every person we release creates the space for the people who are truly meant to walk with us. Michael Trainer has spent 30 years learning from Nobel laureates, neuroscientists, and wisdom keepers worldwide. He's the author of RESONANCE: The Art and Science of Human Connection (March 31, 2026), co-creator of Global Citizen and the Global Citizen Festival, and host of the RESONANCE podcast.Featured in Forbes, Inc, Good Morning America. Follow on YouTube

Steve Forbes explains the complex and stark realities facing President Trump and his team in achieving a peace deal with Russian President Vladimir Putin to end the Russia-Ukraine War.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dr. Michael Snyder joins Dr. Forbes to discuss research showing that Type 2 diabetes represents multiple metabolic subtypes rather than a single condition. He explains how glucose curve patterns, oral glucose tolerance testing, and continuous monitoring can help identify differences in muscle insulin resistance, beta-cell function, hepatic signaling, and incretin response. The conversation explores how these physiological patterns may guide individualized nutrition strategies, medication selection, and earlier detection in people with emerging dysregulation.